TABLE OF CONTENT

Key Highlights

  • The Swasthya Sathi scheme provides comprehensive health coverage up to ₹5 lakh per family per year. This flagship initiative is by the West Bengal Government.
  • The Swasthya Sathi card simplifies the process of receiving medical care. By presenting this card, beneficiaries can easily access a wide range of medical facilities and services without upfront payments.
  • A key feature of the Swasthya Sathi scheme is its digitalisation. Beneficiaries can check their Swasthya Sathi status online and access the Swasthya Sathi card hospital list through the official website and mobile app.

Simplifying Health Insurance with Swasthya Sathi Scheme in West Bengal

Health insurance is essential for protecting yourself financially and ensuring peace of mind. It covers medical expenses and provides security during health emergencies. In West Bengal, the need for health insurance is particularly significant due to the large population and varying access to medical facilities.

To address this need and make health insurance accessible and affordable, the West Bengal Government launched the Swasthya Sathi in December 2016. The objective of this scheme is to provide comprehensive health coverage to all residents of West Bengal.

This following write-up will explain the Swasthya Sathi scheme, how to apply for the Swasthya Sathi card, check the Swasthyasathi status online, and more.

What is Swasthya Sathi Scheme?

The Chief Minister of West Bengal launched the Swasthya Sathi scheme on 30th December 2016. It provides group insurance for citizens of West Bengal and health facilities to families, regardless of their financial condition. The main objective is to help residents get cashless treatments.

With the Swasthya Sathi card, families can access necessary medical services without upfront payments. This makes healthcare more accessible and affordable for everyone in West Bengal.

An Overview of Swasthya Sathi Scheme

The following table highlights the Fundamentals of the Swasthya Sathi Scheme -

Aspects Details
Launch Date 30th December 2016
Number of Applicants 2 crore families
Number of Beneficiaries 1.42 crore families
Inclusions Hospitalisation, Surgery, Maternity, Diagnostics
Pre-existing Conditions Covered from Day 1
Family Size Limit No limit
Annual Coverage Limit ₹5 lakh per family
Automatic Renewal Yes
Cashless Treatment Yes
App Availability Yes

Scope of Swasthya Sathi Scheme

The Swasthya Sathi covers every district of West Bengal, reaching around 2 crore families. This includes families of self-help groups, ASHA workers, ICDS workers, helpers, civil defense volunteers, civic volunteer forces, and certain categories of contractual employees.

Additionally, all beneficiaries of the Rashtriya Swasthya Bima Yojana and other eligible families based on SECC deprivation criteria are included. Currently, over 142 lakh families are eligible for the Swasthyasathi package.

From 1st December 2020, the government expanded the coverage to include all residents of the state, irrespective of caste, religion, affiliation, creed, or profession. The scheme has more than 2290 hospitals in its panel, and about 34 lakh people have been hospitalised under the scheme.

Key Features of Swasthya Sathi

The key features of Swasthyasathi package are listed below -
  • Comprehensive Health Coverage: The Swasthya Sathi provides health coverage for secondary and tertiary care up to ₹5 lakh per family. Now, families can access necessary treatments without financial stress.
  • Coverage for Pre-existing Conditions: All pre-existing medical conditions are covered under the Swasthya Sathi scheme.
  • No Family Size Limit: There is no limit on the size of the family covered. Every member of the family is eligible for health coverage under the Swasthya Sathi.
  • No Contribution Required: Beneficiaries do not need to contribute financially. The entire premium is borne by the state government to provide free health coverage for all eligible families.
  • Smart Card Transactions: The scheme operates using a Swasthya Sathi card. This smart card facilitates cashless transactions and is automatically renewed each year.
  • Paperless and Hassle-free Platform: It operates on a paperless, IT-based platform. This makes the process hassle-free and efficient for beneficiaries.
  • Quick Pre-authorisation: All medical procedures for Swasthya Sathi are 100% pre-authorised within 24 hours. This offers timely access to necessary treatments.
  • Graded Hospitals: Hospitals are graded based on facilities and services. This grading is approved by the Empowerment Committee to provide quality care for beneficiaries.
  • Cashless Coverage: The Swasthya Sathi scheme offers cashless coverage for consultations, diagnostics, medicines, food during hospitalisation, and post-discharge medicines for the same ailments. This comprehensive coverage reduces out-of-pocket expenses for families.
  • Extensive Package List: The Swasthya Sathi offers around 2092 packages with different rates adjusted by the Package Selection Committee.
  • SMS Updates: Beneficiaries receive SMS updates during hospitalisation and after discharge. This keeps them informed about their treatment and coverage.
  • Mobile App Support: A mobile app is available to help beneficiaries with queries, information sharing, and a one-touch feature for a 24x7 helpline. It gives easy access to support and information.
  • Transport Allowance: A transport allowance of ₹200 is provided at the time of discharge. Additional allowances are available for patients referred to state government-run hospitals.
  • Quick Claim Settlement: Claims are generally settled within 30 days. If there is a delay, interest is payable to the beneficiaries.
  • E-health Reports: E-health reports are provided at discharge. These reports are accessible to physicians for future consultations.
  • Monthly Analytical Reports: A monthly analytical report is disclosed in the public domain for review and suggestions from stakeholders. It aids in transparency and continuous improvement.
  • Online Grievance Monitoring: There is an online grievance monitoring mechanism. It uses machine intelligence and human intervention to spot unusual patterns like high admissions and unnecessary surgeries.
  • Interactive Website: An interactive Swasthya Sathi website features all important information and details online. This makes it easy for beneficiaries to access relevant information.
  • Hospital Coverage: Multiple hospitals provide treatment under Swasthya Sathi scheme. Swasthya Sathi card hospital list is given on the official website.

Also Read: West Bengal Health Scheme: Eligibility, Coverage, and Benefits

Inclusions of Swasthyasathi Package

The Swasthya Sathi scheme offers a comprehensive range of health coverages for the well-being of beneficiaries.

Here are the key inclusions provided by Swasthya Sathi scheme -

  • Hospitalisation Coverage
    • In-patient Hospitalisation: Coverage for expenses related to in-patient hospitalisation, including room charges, doctor fees, nursing charges, and medication costs up to ₹5 lakh per family per year.
    • Pre and Post-hospitalisation: Coverage for medical expenses incurred up to 1 day before hospitalisation and up to 5 days after discharge.

  • Day Care Procedures
    • Day Care Treatments: Coverage for specific medical procedures that do not require a full day's hospitalisation. This includes treatments like chemotherapy, dialysis, radiotherapy, and minor surgeries.

  • Maternity and Newborn Care
    • Maternity Benefits: Coverage for childbirth, including normal delivery, caesarean section, and treatment for complications arising from pregnancy.
    • Newborn Coverage: Automatic coverage for newborns from birth until the end of the policy year, including all necessary treatments.

  • Transport Allowance
    • Transport Allowance: Provision of ₹200 for transportation per hospitalisation, with an annual ceiling of ₹2000.
    • Diagnostic and Surgical Procedures
    • Surgical Procedures: Coverage for a wide range of surgical procedures, so that beneficiaries receive necessary surgical care without financial strain.
    • Diagnostic Tests: Coverage for diagnostic tests required for treatment, including X-rays, MRIs, CT scans, and laboratory tests.

  • Emergency Services
    • Emergency Ambulance Services: Coverage for emergency ambulance services for timely transportation to the hospital.

  • Additional Benefits
    • Prosthetics and Implants: Coverage for the cost of prosthetic devices and implants necessary for treatment.
    • ICU Charges: Coverage for Intensive Care Unit (ICU) charges.

Exclusions of Swasthyasathi Package

The Swasthya Sathi offers extensive health coverage, but certain conditions and treatments are excluded from the scheme.

Here are the primary exclusions -

General Exclusions

  • Conditions Not Requiring Hospitalisation: Treatments that do not require hospitalisation and can be managed through outpatient care.
  • Evaluation and Diagnostics: Expenses primarily for evaluation, diagnostics, and routine check-ups unless necessary for treatment of a covered illness.
  • Non-medical Expenses: Costs such as vitamins and tonics unless part of the treatment for a covered condition.

Specific Exclusions

  • Cosmetic and Dental Procedures: Cosmetic treatments, dental procedures, and surgeries for aesthetic purposes, including root canals and dental implants, unless required due to an accident.
  • Substance Abuse: Treatments related to illnesses or injuries resulting from drug, alcohol, or substance abuse.
  • Fertility Treatments: Any fertility-related treatments, hormone replacement therapy, and procedures related to sex change.
  • Vaccinations and Preventive Treatments: Routine vaccinations, inoculations, and preventive treatments unless required as part of the treatment for a covered illness.

Special Cases

  • Self-inflicted Injuries: Injuries or illnesses resulting from intentional self-harm or attempted suicide.
  • War and Nuclear Events: Health issues caused by war, invasion, or nuclear contamination.
  • Experimental Treatments: Any treatments or procedures that are experimental and not widely accepted as standard medical practice.

Maternity Exclusions

  • Voluntary Termination of Pregnancy: Expenses related to voluntary medical termination of pregnancy unless induced by an accident or required to save the life of the mother.
  • Short Hospitalisation Period: Hospitalisation for childbirth if the stay is less than 48 hours post-delivery.

What is a Swasthya Sathi Card?

The Swasthya Sathi card is an essential part of the Swasthya Sathi scheme provided by the West Bengal Government. It ensures that beneficiaries receive cashless and hassle-free healthcare services. The card simplifies the process of getting medical treatment without the need for upfront payments. Beneficiaries can access a wide range of medical services and treatments using this card.

Some of the notable features of Swasthya Sathi card are as follows -
  • Cashless Treatment: Facilitates cashless medical treatment at empanelled hospitals.
  • Smart Card Technology: Operates on a paperless and IT-based platform for ease of use.
  • Automatic Renewal: The card is automatically renewed each year for continuous coverage.
  • Online Application: Swasthya Sathi card online apply can be done on the official website of Swasthya Sathi.

Eligibility Criteria for Swasthya Sathi

The Swasthya Sathi provides health coverage to a wide range of residents in West Bengal. The eligibility criteria for obtaining a Swasthya Sathi card include -
  • Resident of West Bengal: The scheme is open to all residents of the state.
  • Self-Help Groups: Members of self-help groups are eligible.
  • ASHA Workers and ICDS Workers: Accredited Social Health Activists (ASHA) and Integrated Child Development Services (ICDS) workers and helpers qualify.
  • Contractual Workers: Certain categories of contractual employees are included.
  • Rashtriya Swasthya Bima Yojana (RSBY) Beneficiaries: Existing RSBY beneficiaries are covered.
  • Low-Income Families: Families meeting specific deprivation criteria based on the Socio-Economic Caste Census (SECC) are eligible.
  • Universal Coverage: From 1st December 2020, the scheme was expanded to cover all residents, irrespective of caste, religion, or profession.

Exemptions: While the scheme aims for universal coverage, certain groups may be excluded, such as high-income families and those already covered under other government health insurance schemes.

Documents Required for Swasthya Sathi Card

To apply for the Swasthya Sathi card under the Swasthya Sathi, applicants need to submit a set of essential documents.

Here are the required documents for registration -
  • Aadhaar Card: This serves as a primary proof of identity.
  • Photo ID Card: If Aadhaar is not available, any government-issued photo ID card can be used.
  • Domicile Proof: Legal domicile documents to confirm residency in West Bengal.
  • Ration Card: For families, the ration card helps verify family members.
  • Passport-size Photographs: Recent photographs of the applicant and family members.
  • Mobile Number: A registered mobile number for receiving SMS updates and notifications.
  • SECC ID: The Socio-Economic Caste Census ID, if applicable.

Also Read: Health Insurance 101: Guide on the Basics of Health Insurance

How to Apply for a Swasthya Sathi Card?

Swasthya Sathi card online apply under the Swasthya Sathi is a simple process. Here are the steps and methods to apply for the card.

Swasthya Sathi Card Apply Online Process

  • Online Application
    • Step 1: Visit the official Swasthya Sathi Online Application Portal (Swasthya Sathi).
    • Step 2: Select your district, block/municipality, and category (OBC, SC, ST, Others).
    • Step 3: Fill in the residential address, pincode, applicant's name, and details of the head of the family (HOF).
    • Step 4: Provide employment details if applicable and confirm if any family member receives government-sponsored health insurance or medical allowances.
    • Step 5: Add the details of all family members, including their Aadhaar number, ration card number, employment status, and mobile number.
    • Step 6: Upload necessary documents such as proof of identity, domicile proof, and photographs.
    • Step 7: Submit the application form and note the unique registration number (URN) provided.

  • Offline Application
    • Step 1: Collect Form-B from the nearest government hospital, ward office, Grama Panchayat, or village medical centre.
    • Step 2: Complete the form with accurate details of the family members and their respective documents.
    • Step 3: Submit the filled form along with required documents at the designated submission centres.
    • Step 4: You will receive an SMS with your URN, district code, and serial number.
    • Step 5: The Swasthya Sathi card will be delivered to you within a week from the date of submission.

  • Through Authorised Agents
    • You can also register for the Swasthya Sathi card through authorised agents located at ward offices, Grama Panchayats, or village medical centres. These agents will assist you in filling out the form and submitting it on your behalf.

How to Check Swasthyasathi Status Online?

Checking the Swasthyasathi status online involves a few steps.. Whether you want to verify your application status or ensure your card is active, you can do it conveniently from the comfort of your home.

Here’s a detailed guide on how to Swasthya Sathi status check online West Bengal -

Steps to Check Swasthya Sathi Status Online

  • Visit the Official Swasthya Sathi Website: Go to the official Swasthya Sathi website.
  • Access the Status Check Page: On the homepage, click on the ‘Apply Online’ option and then the ‘Swasthya Sathi - Check Your Registration Status’ tab.
  • Select Your District: From the dropdown menu, select your district. The options will include all districts in West Bengal such as Alipurduar, Bankura, Birbhum, and others.
  • Choose Your Search Criteria: You can search using different criteria like Family ID, URN (Unique Registration Number), or Aadhaar number. Select the appropriate option based on the details you have.
  • Enter Required Information:Input the necessary details as per your selected search criteria. Ensure the information is accurate to avoid any errors.
  • Submit the Details: Click on the "Submit" button to proceed. The system will then display your Swasthyasathi status.

Also Read: Medical Insurance: Compare Medical Insurance Plans in India

Alternative Method: Using the Mobile App

  • Download the Swasthya Sathi Mobile App: The Swasthya Sathi mobile app is available for Android users. Download it from the Google Play Store.
  • Log in to the App: Use your registered mobile number to log in.
  • Check Status: Navigate to the status check section within the app to view your application status and other details.

What is Swasthya Sathi App?

The Swasthya Sathi app is a mobile application designed to facilitate and enhance the accessibility of the Swasthya Sathi scheme launched by the West Bengal Government. This app, available for Android devices, provides a range of features aimed at simplifying healthcare access for beneficiaries.

Key Features of the Swasthya Sathi App

  • Real-Time Information: The app offers real-time uploading of e-health records, which can be accessed by physicians for better continuity of care.
  • SMS Alerts: Beneficiaries receive SMS alerts during hospitalisation and after discharge, keeping them informed about their Swasthya Sathi status.
  • 24x7 Helpline: The app includes a one-touch feature to connect directly to a 24x7 helpline for assistance.
  • Grievance Redressal: Users can raise grievances and seek resolutions through the app's online grievance monitoring mechanism.
  • Hospital Information: Provides details about empanelled private and public hospitals and helps users to find appropriate healthcare facilities.
  • Check Status: The Swasthya Sathi app also allows users to check their Swasthya Sathi status online and facilitates the Swasthya Sathi card online apply process.

Swasthya Sathi Card Hospital List

The Swasthya Sathi scheme includes a comprehensive list of hospitals that are graded based on the services they offer. The grades are as follows -

  • Grade A: Hospitals with top-tier facilities and extensive services.
  • Grade B: Hospitals offering a wide range of medical services.
  • Grade C: Hospitals providing basic medical services.
  • Grade R: Reserved for specialised hospitals focusing on critical care.
  • Critical Illness Package: Hospitals specialised in treating critical illnesses.
  • Implants (Orthopedics and Cardio): Facilities focusing on orthopaedic and cardiac implants.
  • Investigation Package (NABH and Non-NABH): Hospitals offering comprehensive diagnostic services, categorised based on NABH accreditation.

How to Access the Swasthya Sathi Card Hospital List?

To view the Swasthya Sathi card hospital list, follow these steps -
  • Visit the Official Website: Go to the Swasthya Sathi website.
  • Navigate to Active Hospital List: Under the "Hospital" section, click on "Active Hospital List."
  • Fill in the Form: Select your state, district, subdivision, hospital type, and hospital grade.
  • Download the List: After filling in the required details, submit the form to view and download the Swasthya Sathi card hospital list of empanelled hospitals.

Process for Swasthya Sathi Hospital Registration

Hospitals looking to register under the Swasthyasathi package can follow a structured process managed by the Swasthya Sathi Samiti, which oversees the scheme.

Here’s a detailed guide on how you can add your medical facility in Swasthya Sathi hospital list -

  • Visit the Official Registration Portal
  • Go to the Swasthya Sathi Hospital Registration page (Swasthya Sathi).

  • Fill in the Required Details:
    • Enter the CE License number and its status.
    • Select the state (West Bengal) and the district where the hospital is located.
    • Specify if the hospital is NABH accredited.
    • Choose the hospital type (private or public).

  • Provide Hospital Information:
    • Fill in the hospital name, category, sanctioned bed strength, ownership status, and other administrative details such as the owner or administrator's name and contact information.

  • Upload Necessary Documents:
    • Upload PDF copies of the NABH certificate and other required documents. Make sure that the filenames do not contain spaces.

  • Agree to Terms:
    • Certify that all provided information is accurate to the best of your knowledge. Acknowledge that any incorrect information can result in the hospital being delisted from the scheme.

  • Submit the Form:
    • After reviewing all entered information, submit the form. An OTP will be sent to your registered mobile number or email for verification.

  • Verification and Approval:
    • The submitted application will be reviewed by the Swasthya Sathi Samiti. Once approved, the hospital will be listed under the Swasthya Sathi.

  • Check Registration Status:
    • To check the status of your hospital registration, visit the Swasthya Sathi Hospital Registration Status page on the official website of Swasthya Sathi.

Cashless Claim under Swasthya Sathi

The Swasthya Sathi scheme offers a cashless claim procedure. Here is a detailed guide on how to proceed with cashless claims under the Swasthyasathi package.

Steps for Cashless Claims
  • Online Registration: When a patient arrives at an empanelled hospital, their details are registered online through the hospital's system.
  • Identity Verification: The patient's identity is verified using their Swasthya Sathi card. Fingerprints of the patient or any enrolled family member (in case of emergency) are checked to authenticate identity.
  • Balance Check: The system checks if the beneficiary has sufficient balance in their Swasthya Sathi card account to cover the treatment costs.
  • Pre-Authorisation Request: The hospital sends an online request for prior approval to the insurance company. This request includes all necessary details about the patient's condition and the required treatment.
  • Approval Process: The insurance company reviews the request and responds within 12 hours. The decision includes whether the requested procedure is covered under the Swasthya Sathi package.
  • Provisional Entry: Once approval is received, a provisional entry is made on the Swasthya Sathi card, blocking the claim amount for the procedure.
  • Treatment and Discharge: After treatment, the hospital makes a final entry on the Swasthya Sathi card, verifying the beneficiary's fingerprint again (or a family member's in case of death).
  • Electronic Payment: All payments are processed electronically. The hospital receives the payment within one month of submitting the electronic claim documents in the prescribed format.

Pre-Authorization for Non-Package Procedures For treatments not listed under specific Swasthyasathi package, the following steps are followed -
  • Request for Authorization Letter (RAL): The empanelled healthcare provider submits a RAL with detailed medical information to the insurance company's authorisation department.
  • Submission Timeline: For emergencies, the RAL must be submitted within 6 hours of admission. For planned admissions, it should be submitted 7 days prior.
  • Approval and Negotiation: The insurance company negotiates the package with the healthcare provider and issues an Authorisation Letter (AL) within 12 hours.
  • Manual Entry: Details are manually entered into the system if not available in the package list, including the authorisation number and the agreed package amount.
  • Payment and Settlement: Payments are made electronically to the hospital, and any discrepancies or additional charges are settled according to the insurance company's policies.

A Pillar of Health Protection in West Bengal

Health insurance is essential for providing financial security and access to healthcare. The Swasthya Sathi is a flagship initiative by the West Bengal Government. It provides comprehensive health coverage to all residents, highlighting the state's commitment to improving healthcare accessibility. This scheme significantly enhances public health and offers much-needed financial protection to families across the state.

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FAQS – FREQUENTLY ASKED QUESTIONS

  • What is the Swasthya Sathi Card ?

    The Swasthya Sathi card is a smart card provided under the Swasthya Sathi Scheme, helping beneficiaries to avail of cashless healthcare services at empanelled hospitals. It includes details of the cardholder and their family members.
  • How can I check the Swasthya Sathi Status of my application ?

    To check the Swasthyasathi Status of your application, visit the official Swasthya Sathi website and use the status check online West Bengal feature by entering your registered mobile number and URN.
  • How do I apply for a Swasthya Sathi Card online ?

    You can apply for the Swasthya Sathi Card online by visiting the official Swasthya Sathi website, clicking on the 'Apply Now' option, and filling in the necessary details.
  • Can I check the Swasthya Sathi Card status online ?

    Yes, you can do Swasthya Sathi Card status check online West Bengal by visiting the Swasthya Sathi website, selecting 'Check Status', and entering your registered details to view the current status.
  • Where can I find the Swasthya Sathi Card hospital list ?

    The Swasthya Sathi Card hospital list is available on the Swasthya Sathi website. Navigate to the 'Hospital' section, click on 'Active Hospital List', and select your district to view the list of empanelled hospitals.
  • What documents are required for Swasthya Sathi Card online apply ?

    For Swasthya Sathi card online apply, you will need an Aadhaar card, a photo ID, domicile proof, a ration card (if applicable), and passport-sized photographs of all family members.
  • How to check the Swasthya Sathi status check online West Bengal ?

    To perform a Swasthya Sathi card check online , visit the official website, navigate to the 'Check Status' section, and enter your URN and registered mobile number to view your status.
  • What benefits are covered under the Swasthya Sathi Scheme ?

    The Swasthya Sathi Scheme covers hospitalisation, surgeries, maternity benefits, diagnostics, and treatment for critical illnesses. The scheme provides up to ₹5 lakh per family annually for cashless treatments.
  • Is the Swasthya Sathi Card automatically renewed ?

    Yes, the Swasthya Sathi Card is automatically renewed each year for continuous health coverage without the need for beneficiaries to reapply annually.
  • How can I access the Swasthya Sathi mobile app and what features does it offer ?

    The Swasthya Sathi mobile app can be downloaded from the Google Play Store. It offers features like status check, hospital lists, claim tracking, and 24x7 helpline access.

 

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The information contained herein is generic in nature and is meant for educational purposes only. Nothing here is to be construed as an investment or financial or taxation advice nor to be considered as an invitation or solicitation or advertisement for any financial product. Readers are advised to exercise discretion and should seek independent professional advice prior to making any investment decision in relation to any financial product. Aditya Birla Capital Group is not liable for any decision arising out of the use of this information.

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You can create a unique ID on the Website for managing and transacting all financial and non financial transactions with ABC Companies. One ID enables you to have a single login ID for viewing and transacting all your product and service needs across ABC Companies. One ABC ID can be created by you on the Website or any of the webpage of ABC Companies (Account.ABC.com sign up page.) by using your e-mail Id and login credentials as registered with the respective ABC Companies while availing the products / services and completing the authentication procedure in the manner specified at the time of creation of One ID.

Once you have created ONE ID you can link and view all your financial products held with ABC Companies on single web page through verification / authentication procedure as applicable to your account/financial products held with the respective ABC Companies.  

You may choose not to create One ID in which case you will not be able to display all your products across ABC Companies on one page. In circumstances like duplicate email id/phone number you may not be able to create the One ID. In such circumstances you must contact the ABCL Affiliate with whom you have held the product/availed the services to enable update the email id/phone number.

 In case you forget the username or password, you can reset the same using the forgot username and password link available on the Website and completing the authentication procedure specified on the Website.    

MoneyForLife Planner

To help you for your money needs you can avail the facility of MoneyForLife Planner (‘MoneyForLife Planner/ Planner’). MoneyForLife Planner facility is powered by Aditya Birla Money Limited, a subsidiary of ABCL. MoneyForLife Planner provides an indicative assessment of your money needs based on the factors like income, age, family members and their future, your future money requirements and current lifestyle status as per details filled in by you on the online questionnaire. The Planner provides an indicative view about the generic investment opportunities available in the manner indicated by you. The results provided by the Planner are generic in nature and do not necessarily reflect the actual investment profile that you may hold and it is not necessary for you to act on it. The Planner provides a generic indication of your money needs to enable you to prioritize your investment needs which are rule based. Therefore, the search results displayed by the Planner cannot be construed to be entirely accurate / comprehensive.

No fee or consideration or economic benefit either directly or indirectly is associated for availing the assessment through MoneyForLife Planner and therefore it is not to be considered as an investment advice or financial planning and / or investment advisory services.

You agree and understand that use of MoneyForLife Planner does not assure attainment of your investment objectives and there is no assurance that the money objectives will be achieved, as the same is subject to performance of the securities, the forces affecting the securities market and your risk profile. You are advised to consult an investment advisor in case you would like to undertake financial planning and / or investment advice for meeting your investment requirements.

You also agree that risks associated with any investment would be entirely yours and you would not hold ABCL and/or ABC Companies or any of its employees liable for any losses that may arise on account of any investments under taken basis the use of MoneyForLife Planner.

All investment decisions shall be taken by you in your sole discretion. You are advised to read the respective offer documents carefully for more details on risk factors, terms and conditions before making any investment decision in any scheme or products or securities or loan product. All investments in any product / fund / securities etc. will be on the basis, subject to and as per the terms and conditions of the specific product’s / fund’s / security’s offer document, key information memorandum, risk disclosure document, product or sales brochure or any other related documents which are offered by the respective issuer of such product/securities. You can use execution platform/services with any third party as deem fit and proper, and there is no compulsion to use the execution services through this Website.

Not an Investment Advisor, Planner, Broker or Tax Advisor

The facilities on the Website are not intended to provide any legal, tax or financial or securities related advice. You agree and understand that the Website is not and shall never be construed as a financial planner, financial intermediary, investment advisor, broker or tax advisor. The facilities are intended only to assist you in your money needs and decision-making and is broad and general in scope. Your personal financial situation is unique, and any information and advice obtained through the facilities may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your advisor or other financial advisers who are fully aware of your individual circumstances. For more details, please also refer to the Legal Disclaimers provided on the Website.

Financial Solutions

We may provide you with various money solutions and options which are generally available basis your investment profile or those which are generally held by persons of similar investment profile. You authorize us to use/disseminate the information to provide the Financial Solutions however it is not necessarily for you to act on it. It only serves an indicative use of information which you may execute in the manner agreed by you.

Password Protection

You shall not be entitled to avail the facilities without the use of a user name and password. You are responsible for maintaining the confidentiality of your password and Account, and you shall not allow anyone else to use your password at any time. You are fully responsible for all activities that occur using your password or Account. You are requested to please notify www.adityabirlacapital.com immediately of any unauthorized use or access of your password or Account, or any other breach of security. The Website will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge.

Intellectual Property Rights

This Website contains information, materials, including text, images, graphics, videos and sound (“Materials”), which is protected by copyright and/or other intellectual property rights. All copyright and other intellectual property rights in these Materials are either owned by ABCL or have been licensed to Facilities Provider, ABCL / ABC Companies by the owner(s) of those rights so that it can use these Materials as part of this Website. Other than those Materials which belong to Third Parties, ABC Companies retains copyright on all Information, including text, graphics and sound and all trademarks displayed on this Website which are either owned by or licensed to by ABCL and/or used under license by ABC Companies.

You shall not (a) copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing copies), download, display, perform, reproduce, distribute, modify, edit, alter, enhance, broadcast or tamper with in any way or otherwise use any Materials contained in the Website. These restrictions apply in relation to all or part of the Materials on the Website; (b) copy and distribute this information on any other server or modify or re-use text or graphics on this system or another system. No reproduction of any part of the Website may be sold or distributed for commercial gain nor shall it be modified or incorporated in any other work, publication or web site, whether in hard copy or electronic format, including postings to any other web site; (c) remove any copyright, trade mark or other intellectual property notices contained in the original material from any material copied or printed off from the web site; link to this Website; without our express written consent.

No Warranty

Although all efforts are made to ensure that information and content provided as part of this Website is correct at the time of inclusion on the Website, however there is no guarantee to the accuracy of the Information. This Website makes no representations or warranties as to the fairness, completeness or accuracy of Information. There is no commitment to update or correct any information that appears on the Internet or on this Website. Information is supplied upon the condition that the persons receiving the same will make their own determination as to its suitability for their purposes prior to use or in connection with the making of any decision. Any use of this Website or the information is at your own risk. Neither ABCL and ABC Companies, nor their officers, employees or agents shall be liable for any loss, damage or expense arising out of any access to, use of, or reliance upon, this Website or the information, or any website linked to this Website.

No Liability

This Website is provided to you on an "as is" and "where-is" basis, without any warranty. ABCL, for itself and any ABC Companies and third party providing information, Materials (defined later), facilities, or content to this Website, makes no representations or warranties, either express, implied, statutory or otherwise of merchantability, fitness for a particular purpose, or non-infringement of third party rights, with respect to the website, the information or any products or facilities to which the information refers. ABCL will not be liable to you or any third party for any damages of any kind, including but not limited to, direct, indirect, incidental, consequential or punitive damages, arising from or connected with the site, including but not limited to, your use of this site or your inability to use the site, even if ABCL has previously been advised of the possibility of such damages. Any access to information hosted on third party websites of billers/banks/merchants/ABC Companies etc. is not intended and shall not be treated as an offer to sell or the solicitation of an offer to buy any product/offering of these ABC Companies or third parties.

The Facilities Provider or ABCL or ABC Companies shall have absolutely no liability in connection with the information and Material posted on this Website including any liability for damage to your computer hardware, data, information, materials, or business resulting from the information and/or Material or the lack of information and/or Material available on the Website. In no event shall ABCL or ABC Companies shall be liable for any for any special, incidental, consequential, exemplary or punitive damages for any loss, arising out of or in connection with (a) the use, misuse or the inability to use this Website; (b) unauthorized access to or alteration of your transmissions or data; (c) statements or conduct of any third party on the site; or (d) any other matter whatever nature relating to this Website.

Further, the Facilities Provider cannot always foresee or anticipate technical or other difficulties. The facilities may contain errors, bugs, or other problems. These difficulties may result in loss of data, personalization settings or other facilities interruptions. The Website does not assume responsibility for the timeliness, deletion, mis-delivery, or failure to store any user data, communications, or personalization settings.

The Facilities Provider, ABCL, ABC Companies and the providers of information shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained at this Website.

Manner of Use of Personal Information

All Personal Information including Sensitive Personal Information provided/related to you, shall be stored/used/processed/transmitted expressly for the Purpose or facilities indicated thereon at the time of collection and in accordance with the Privacy Policy. Other than those otherwise indicated and agreed by You, this Website do not collect or store or share your Personal Information. Aditya Birla Capital is the brand and accordingly all products and facilities are provided by respective ABC Companies as applicable. Therefore, for any of these Purposes, the Website will use ABC Companies their authorized third party vendors, agents, contractors, consultants or facilities providers (individually a ‘Third Party Service Provider’ and collectively, the “Third Party Service Providers”) and to that extent you understand and authorize the Facilities Provider to share/transmit such information to Third Party Service Providers. Such sharing of information will be solely for the purpose to fulfill / complete / authenticate your specific requests/transaction execution and for providing information about any ABC Companies product or facilities or services or for data analytics or to deliver to you any administrative notices, alerts or communications relevant to your Purpose (and which may include sending promotional emails or SMS or calls or any other mode permitted under law) or to analyze the usage and improve the facilities/solutions offered or for any research or troubleshooting problems, detecting and protecting against errors or to improve features, tailor the facilities on the Website to your interests, and to get in touch with you whenever necessary.

Except in the manner as stated in the Privacy Policy, the Website will not disclose your Personal Information with any affiliated or unaffiliated third parties,

You may receive e-mails /communications/notifications from the Third Party Services Providers regarding facilities updates, information/promotional e-mails/SMS and/or update on new product announcements/services in such mode as permitted under law.

Use of Website in India

This Website is controlled and operated from India and there is no representation that the Materials/information are appropriate or will be available for use in other locations. If you use this Website from outside the India, you are entirely responsible for compliance with all applicable local laws. There is no warranty or representation that a user in one region may obtain the facilities of this website in another region.

Information published on the Website may contain references or cross references to products, programs and facilities offered by ABC Companies/third parties that are not announced or available in your country. Such references do not imply that it is intended to announce such products, programs or facilities in your country. You may consult your local advisors for information regarding the products, programs and services that may be available to you.

In your use of the Website, you may enter correspondence with, purchase goods and/or facilities from, or participate in promotions of advertisers or members or sponsors of the web site, including those of ABC Companies. Unless otherwise stated, any such correspondence, advertisement, purchase or promotion, including the delivery of and the payment for goods and/or facilities, and any other term, condition, warranty or representation associated with such correspondence, purchase or promotion, is solely between you and the applicable ABC Companies and/or third parties.

You agree that Facilities Provider / ABC Companies has no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any other ABC Companies and/or third parties.

Third party websites

This Website may be linked to other websites (including those of ABC Companies) on the World Wide Web that are not under the control of or maintained by ABCL. Such links do not indicate any responsibility or endorsement on our part for the external website concerned, its contents or the links displayed on it. These links are provided only as a convenience, in order to help you find relevant websites, facilities and/or products that may be of interest to you, quickly and easily. It is your responsibility to decide whether any facilities and/or products available through any of these websites are suitable for your purposes. The Facilities Provider or ABCL is not responsible for the owners or operators of these websites or for any goods or facilities they supply or for the content of their websites and does not give or enter into any conditions, warranties or other terms or representations in relation to any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any external web site to which this web site includes a link infringes the intellectual property rights of any third party).

USE of APP

In case any facilities/services, access/dissemination of information or execution of transaction is done through use of any APP related to ABC Companies, the additional terms and conditions governing the Use of APP shall be applicable and to be read along these Terms of Use.

Postings and monitoring

The Facilities Provider or ABCL or ABC Companies does not routinely monitor your postings to the Website but reserves the right to do so if deemed necessary if it is related to the facilities offered on the web site and to comply with law. However, in our efforts to promote good citizenship within the internet community, if the Facilities Provider or ABCL or ABC Companies becomes aware of inappropriate use of the Website or any of its facilities, any information, opinions, advice or offers posted by any person or entity logged in to the Website or any of its associated sites is to be construed as public conversation only, and the Facilities Provider or ABC Companies shall not be liable or responsible for such public conversation. You agree that in such cases, we will respond in any way that, in our sole discretion, as deemed appropriate. You acknowledge that Facilities Provider or ABC Companies will have the right to report to law enforcement authorities any actions that may be considered illegal, as well as any information it receives of such illegal conduct. When requested, ABC Companies/Facilities Provider will co-operate fully with law enforcement agencies in any investigation of alleged illegal activity on the internet.

Submissions and unauthorized use of any Materials contained on this Website may violate copyright laws, trademark laws, the laws of privacy and publicity, certain communications statutes and regulations and other applicable laws and regulations. You alone are responsible for your actions or the actions of any person using your user name and/or password. As such, you shall indemnify and hold Facilities Provider, ABCL / ABC Companies and its officers, directors, employees, affiliates, agents, licensors, and business partners harmless from and against any and all loss, costs, damages, liabilities, and expenses (including attorneys' fees) incurred in relation to, arising from, or for the purpose of avoiding, any claim or demand from a third party that your use of the Website or the use of the Website by any person using your user name and/or password (including without limitation your participation in the posting areas or your submissions) violates any applicable law or regulation, or the rights of any third party.

We reserve the right to terminate access to this Website at any time and without notice. Further this limited license terminates automatically, without notice to you, if you breach any of these Terms of Use. Upon termination, you must immediately destroy any downloaded and printed Materials.

If you come across any breaches/violation or offensive material you must report to us at abc.secretarial@adityabirla.com

Use of Cookies

You agree and understand that the Website will automatically receive and collect certain anonymous information in standard usage logs through the Web server, including computer/computer resource-identification information obtained from "cookies" sent to your browser from a web server or other means as explained in the Privacy Policy.  

Facilities Changes and Discontinuation

The Website reserves the right to discontinue or suspend, temporarily or permanently, the facilities. You agree that the Facilities Provider/ ABC Companies will not be liable to you in any manner whatsoever for any modification or discontinuance of the facilities. The format and content of this Website may change at any time. We may suspend the operation of this Website for support or maintenance work, in order to update the content or for any other reason.

ABCL, ABC Companies, and its directors, employees, associates, or other representatives shall not be liable for any damages or injury, arising out of or in connection with the use, or non-use including non-availability of the Website and also for any consequential loss or any damages caused because of non-performance of the system due to a computer virus, system failure, corruption of data, delay in operation or transmission, communication line failure, or any other reason whatsoever. The Website will not be responsible for any liability arising out of delay in providing any information on the Website.

Compliance with the Law

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, programme, algorithm or methodology to access, acquire, copy or monitor the Website, or any portion of the Website.
  • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Website, other than the search engines generally available by third party web browsers
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Website or the facilities.
  • Attempt to decipher, decompile, disassemble, or reverse engineer any of the software, comprising or in any way making up a part of the Website or the facilities.
  • You agree not to use the facilities for illegal purposes or for the transmission of material that is unlawful, harassing, libelous (untrue and damaging to others), invasive of another's privacy, abusive, threatening, or obscene, or that infringes the rights of others.

Restrictions on Commercial Use or Resale

Your right to use the facilities is personal to you; therefore, you agree not to resell or make any commercial use of the facilities. In addition, the Website welcomes your feedback as a user of the facilities. Any feedback you provide will become the confidential and proprietary information of the Website, and you agree that the Website may use in any manner and without limitation, all comments, suggestions, complaints, and other feedback you provide relating to the Website. The Website shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to incorporation of such feedback into the Website or other Website software or facilities.

No Endorsements

All product and facilities marks contained on or associated with the facilities that are not the Website marks are the trademarks of their respective owners. The Website would require you to respect the same. References to any such names, marks, products or facilities of third parties or hypertext links to third party sites or information does not imply the Website’s endorsement, sponsorship or recommendation of the third party, information, product or facilities.

Promotional Offers

You may receive from time to time, announcement about offers with intent to promote this Website and/or facilities/products of ABC Companies (“Promotional Offers”). The Promotional Offer(s) would always be governed by these Terms of Use plus certain additional terms and conditions, if any prescribed. The said additional terms and conditions, if prescribed, would be specific to the corresponding Promotional Offer only and shall prevail over these Terms of Use, to the extent they may be in conflict with these Terms of Use. The Website reserves the right to withdraw, discontinue, modify, extend and suspend the Promotional Offer(s) and the terms governing it, at its sole discretion.

Charges for use of Website

There are no charges or fees to be paid by you for use of this Website. However, you are responsible for all telephone access fees and/or internet service fees that may be assessed by your telephone and/or internet service provider. You further agree to pay additional charges, if any levied by Third Party Service Provider(s), for the facilities provided by them through the Website (Additional Charges).

No Endorsement

You are advised to be cautious when browsing on the internet and to use good judgment and discretion when obtaining information or transmitting information. From this Website, users may visit or be directed to third party web sites. The Website makes no effort to review the content of these web sites, nor is the Website or its licensors responsible for the validity, legality, copyright compliance, or decency of the content contained in these sites.

In addition, the Website does not endorse or control the content of any other user and is not responsible or liable for any content, even though it could be unlawful, harassing, libelous, privacy invading, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable, or that it infringes or may infringe upon the intellectual property or other rights of another. You acknowledge that the Website does not pre-screen content, but that the Website will have the right (but not the obligation) in their sole discretion to refuse, edit, move or remove any content that is available via the facilities.

Electronic Communications

These Terms of Use and any notices or other communications regarding the Facilities may be provided to you electronically, and you agree to receive communications from the Website in electronic form. Electronic communications may be posted on the Website and/or delivered to your registered email address, mobile phones etc either by Facilities Provider or ABC Companies with whom the services are availed. All communications in electronic format will be considered to be in "writing". Your consent to receive communications electronically is valid until you revoke your consent by notifying of your decision to do so. If you revoke your consent to receive communications electronically, the Facilities Provider shall have the right to terminate the facilities.

Assignment

You shall not assign your rights and obligations under this Agreement to any other party. The Website may assign or delegate its rights and/or obligations under this Agreement to any other party in future, directly or indirectly, or to an affiliated or group company.

Legal Disclaimers

The information provided on or through the Website is for general guidance and information purposes only and they do not in any manner indicate any assurance or opinion of any manner whatsoever. Any information may be prone to shortcomings, defects or inaccuracies due to technical reasons. Certain information on Website may be on the basis of our own appraisal of the applicable facts, law and regulations in force at the date hereof.

The information (and opinions, if any) contained on the Website may have been obtained from public sources believed to be reliable and numerous factors may affect the information provided, which may or may not have been taken into account. The information provided may therefore vary (significantly) from information obtained from other sources or other market participants. Any reference to past performance in the information should not be taken as an indication of future performance. The information is dependent on various assumptions, individual preferences and other factors and thus, results or analyses cannot be construed to be entirely accurate and may not be suitable for all categories of users. Hence, they should not be solely relied on when making investment decisions. Your investment or financial decision shall always be at your own discretion and based on your independent research; and nothing contained on the Website or in any information would construe ABCL/ABC Companies or any of its employees/authorized representative as having been in any way involved in your decision making process. Any information and commentaries provided on the Website are not meant to be an endorsement or offering of any stock or investment advice.

Nothing contained herein is to be construed as a recommendation to use any product, process, equipment or formulation, in conflict with any patent, or otherwise and Facilities Provider / ABCL/ABC Companies makes no representation or warranty, express or implied that, the use thereof will not infringe any patent, or otherwise. Information on this Website sourced from experts or third party service providers, which may also include reference to any ABCL Affiliate. However, any such information shall not be construed to represent that they belong or represent or are endorsed by the views of the Facilities Provider or ABC Companies. Any information provided or sourced from ABCL Affiliate belongs to them. ABCL is an independent entity and such information from any ABCL Affiliate are not in any manner intended or to be construed as being endorsed by ABCL or Facilities Provider. The information does not constitute investment or financial advice or advice to buy or sell, or to endorse or solicitation to buy or sell any securities or other financial instrument for any reason whatsoever. Nothing on the Website or information is intended to constitute legal, tax or investment advice, or an opinion regarding the appropriateness of any investment or a solicitation of any type. Investment in the securities market and any financial instruments are inherently risky and you shall always assume complete and full responsibility for the outcomes of all the financial or investment decisions that you make, including but not limited to loss of capital. You are therefore advised to obtain your own applicable legal, accounting, tax or other professional advice or facilities before taking or considering an investment or financial decision.

No Solicitation

No Information at this Website shall constitute an invitation to invest in ABCL or any ABC Companies. These are meant for general information only or to meet statutory requirements or disclosures. ABCL or any of its employees are in no way liable for the use of the information by you, when making any decision or investing or trading through any investment vehicles or ABC Companies, or any other third party which may be engaged in offering of these services.

The information contained on this Website does not represent and should not be used to construe (i) the terms on which a new transaction would be entered into by ABCL or ABC Companies, (ii) the terms on which any existing transactions could be unwound by ABCL or ABC Companies, (iii) the calculation or estimate of an  amount that would be payable following an early termination of any past/existing transactions or (iv) the valuations given to any transactions by ABCL or ABC Companies in their books of account for financial reporting, credit or risk management purposes.

Statutory Disclosure

ABCL and ABC Companies are engaged in a broad spectrum of activities in the financial services sectors. You understand and acknowledge that Aditya Birla Money Limited (‘ABML’), Aditya Birla Finance Limited (‘ABFL’) and Aditya Birla Sun Life Asset Management Company Limited and trustees and sponsor of Aditya Birla Sun Life Mutual Fund (‘ABSLMF’) are group companies and ABML / ABFL also acts as a distributor of ABSLMF.  Any recommendation or reference of schemes of ABSLMF if any made or referred on the Website, the same is based on the standard evaluation and selection process, which would apply uniformly for all mutual fund schemes. You are free to choose the execution facilities in the manner deemed fit and proper and no commission will be paid by ABSLMF to ABML / ABFL if you choose to execute a transaction with ABSLMF on the Website, unless otherwise agreed by you and ABML/ABFL separately. Information about ABML/ABFL, its businesses and the details of commission structure receivable from asset management companies to ABML/ABFL, are also available on their respective Website.

Similarly Aditya Birla Money Insurance Advisory Services Limited and Aditya Birla Insurance Brokers Limited are insurance intermediaries and engaged in the distribution of Insurance Products and it may services may include products of Aditya Birla Sun Life Insurance Company Limited and Aditya Birla Health Insurance Company Limited. However there is no conflict on these services and commissions if any payable are in accordance of the extant regulations.

Force Majeure

The Facilities Provider, ABC Companies and any of its Third Party Service Providers shall not be liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond their reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, virus, other malicious computer code, hacking, labour disputes, riots, insurrections, civil disturbances, shortages of labour or materials, fires, flood, storms, explosions, acts of God, war, earthquake, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

Indemnification

You agree to protect and fully compensate Facilities Provider, ABCL, ABC Companies, subsidiaries, licensors, suppliers and facilities providers, employees, officers and directors, from any and all third party claims, liability, damages, expenses and costs (including but not limited to reasonable attorneys fees) caused by or arising from your use of the facilities, your violation of the Terms of Use or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

No Waiver

The Facilities Provider, ABC Companies or any of its third party service providers and processor bank/merchants etc. shall not be deemed to have waived any of its/their rights or remedies hereunder, unless such waiver is in writing. No delay or omission on the part of Facilities Providers and ABC Companies, in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Exclusive Agreement

You agree that these Terms of Use are the complete and exclusive statement of agreement supersede any proposal or prior agreement, oral or written, and any other communications between you and the Facilities Provider and its Third Party Service Providers or processor bank/merchants relating to the subject matter of these Terms of Use. These Terms of Use, as the same may be amended from time to time, will prevail over any subsequent oral communications between you and the Website and/or the processor bank.

Termination

Either party can terminate this Agreement by notifying the other party in writing. Upon such termination You will not be able to use the facilities of this Website.

Governing Law and Jurisdiction

The Website specifically prohibits you from usage of any of its facilities in any countries or jurisdictions that do not corroborate to all stipulations of these Terms of Use. The Website is specifically for users in the territory of India. In case of any dispute, either judicial or quasi-judicial, the same will be subject to the laws of India, with the courts in Mumbai having exclusive jurisdiction.

These Terms and Conditions are governed by and to be interpreted in accordance with laws of India, without regard to the choice or conflicts of law provisions of any jurisdiction. You agree, in the event of any dispute arising in relation to these Terms and Conditions or any dispute arising in relation to the Website whether in contract or tort or otherwise, to submit to the jurisdiction of the courts located at Mumbai, India for the resolution of all such disputes.

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