storyCard

Terms and Conditions

Disclaimer

This website (the “Website”) is the website of Prudential HCL Health Insurance Limited (“us” or “we”), [CIN: U65120MH2025FLC457866 Registered Address Suite 6, 48th Floor, Commerz III, International Business Park, Oberoi Garden City, Off Western Express Highway, Goregaon (East) Mumbai - 400063.].

Please read these terms of use of the Website carefully as by using the Website you agree to be bound by them. We reserve the right to vary these terms of use at any time and will post any variations here. You are advised to review these terms of use on a regular basis as you will be deemed to have accepted variations if you continue to use the Website after they have been posted. If you do not agree to abide by these terms of use you should not use the Website in any way.

Additionally, please note, we have received R1 approval from the regulator IRDAI as a preliminary regulatory approval. However, we are not yet offering or soliciting any insurance products or policies and will do so only after receipt of final registration and any other necessary authorizations. All information provided is for informational purposes only and does not constitute an offer or solicitation to purchase insurance.

Accessing the website

Prudential HCL Health Insurance Limited does not guarantee that the Website, or any content on it, will always be available or be uninterrupted. Access to the Website is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the Website without notice. We will not be liable to you if for any reason the Website is unavailable at any time or for any period.

You are responsible for making all arrangements necessary for you to have access to the Website.

You are also responsible for ensuring that any persons with access to the Website through your internet connection are aware of these terms of use, and that they comply with them.

By visiting this site, you agree to permit Prudential HCL Health Insurance Limited to communicate with you, from time to time, about its products and services.

You further agree that you shall not host, display, upload, modify, publish, transmit, update or share any information that;

  1. belongs to another person and to which you do not have any right;
  2. violates any law for the time being in force;
  3. impersonates another person;
  4. contains software virus or any other computer code, file or program designed to interrupt, destroy or limit the functionality of any computer resource;
  5. contains any material that is obscene, sexually explicit, or otherwise inappropriate under applicable laws and regulations, including but not limited to content that violates decency standards or may be harmful to minors;

Your login details

We have the right to disable any user accounts at any time if, in our reasonable opinion, you have failed to comply with any of the provisions of these terms of use and/or if we believe that your account is being used in an unauthorised or fraudulent manner.

If you know or suspect that anyone other than you has or is likely to access your user account, you must promptly notify us. Following such notification you may be required to set up a new account with a new email address. Your email id and other such personal data processed for generating, maintaining and providing your login details will be processed as per ourprivacy policy

Information we provide on the Website

Information published by us on the Website may be supplied by third parties. We take every care and precaution to ensure that information published on the Website is accurate when posted and regularly updated, but we do not guarantees or can be held liable for its accuracy or timeliness and we may change the information at any time without notice. You must not rely on the information on the Website and you acknowledge that you must take appropriate steps to verify this information before acting on it. Prudential HCL Health Insurance Limited disclaims all responsibility for any inaccuracy, error, falsity, omission and/or non-compliance in any material appearing on any linked site.

WE PUBLISH THE WEBSITE “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE WEBSITE, THE ACCURACY OF THE INFORMATION OR THE PRODUCTS OR SERVICES REFERRED TO ON THE WEBSITE (IN SO FAR AS SUCH WARRANTIES MAY BE EXCLUDED UNDER ANY RELEVANT LAW) AND TO THE EXTENT PERMITTED BY LAW, Prudential HCL Health Insurance Limited SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGE WHETHER DIRECT OR INDIRECT (INCLUDING, WITHOUT LIMITATION DIRECT OR INDIRECT LOSS OF PROFITS), CONSEQUENTIAL, SPECIAL OR OTHERWISE INCIDENTAL THAT MAY RESULT FROM USE OF THE WEBSITE HOWSOEVER ARISING

Nothing in these terms of use excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

Intellectual property rights

Prudential HCL Health Insurance Limited owns the copyright in the content published on the Website except where otherwise indicated by a third party's proprietary notice. Images, trademarks and brands are also protected by other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owners. Unless specifically prohibited by a notice published on any page, you may make a print copy of such parts of the Website as you may reasonably require for your own personal use provided that any copy has attached to it any relevant proprietary notices and/or disclaimers. All other use is prohibited.

Prudential HCL Health Insurance Limited is a joint venture company owned in part by an indirect subsidiary of Prudential plc of the United Kingdom. Prudential HCL Health Insurance Limited and Prudential plc is not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of business is in the United States of America or with the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the United Kingdom.

Viruses

We do not guarantee that the Website will be secure or free from bugs or viruses. You are responsible for configuring your information technology, computer programmes and platform in order to access the Website. You should use your own virus protection software.

You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Information Technology Act, 2000. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

Third-party websites

We are not responsible for the content of any other website from which you have accessed the Website or to which you may hyperlink from this website and cannot be held liable for any loss or damage you incur as a result thereof.

Data Protection

We are committed to protecting your personal data in accordance with the Digital Personal Data Protection Act, 2023 and applicable Indian laws. By using this website, you consent to the collection, processing, storage, and transfer of your personal data for legitimate business purposes, including service delivery, analytics, and legal compliance.

We implement reasonable security safeguards to protect your data from unauthorized access, disclosure, or misuse. You have the right to access, correct, or delete your personal data, and to withdraw consent at any time, subject to applicable laws.

For more details, please refer to our privacy policy

Force Majeure

We shall not be held liable for any failure or delay in performance due to events beyond our reasonable control, including but not limited to natural disasters, war, acts of government, pandemics, strikes, or internet outages. Such events shall suspend our obligations under these terms for the duration of the disruption.

Indemnity

You agree to indemnify, defend, and hold harmless Prudential HCL Health Insurance Limited, its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of:

  • Your use of the website or reliance on any health-related content;
  • Your violation of these Terms or applicable laws;
  • Any misrepresentation or misuse of information provided on the website.

General

These terms of use are governed by the laws of India and you agree that the Courts of India shall have exclusive jurisdiction in any dispute.

To the extent that any part of these terms of use is found to be invalid, unlawful or unenforceable by any court of competent jurisdiction such part shall to that extent be severed from the remaining terms all of which shall remain in full force and effect as permitted by law.