TERMS OF USAGE

By accessing this website and using its content, the user acknowledges that he/she has read and understood the following terms and conditions and agrees to be bound by them. The information, content and services contained in this website and the terms and conditions are subject to change at any time at the sole discretion of Star Health and without any prior notice. Any such revisions made shall be applicable to the user and therefore we advise the user to peruse these terms and conditions every time they use this web site. Further, by visiting this site, the user agrees to permit Star Health to communicate with the user. Therefore, please do not access, download materials from this web site, if you do not agree with these terms of use.

The User of this Website represents that he/she is legally competent to enter into a binding legal contract and agrees to be bound by the Terms and Conditions of use.

User agrees that he/she shall not copy, reproduce, reverse engineer, sell, redistribute, publish, unauthorized access into database, perform modify content/ information, transmit, license, create derivatives from, transfer or in any way exploit any part of any information, content, materials, services available from or through the website, except that which he/she may download for own personal, non-commercial use.

The User shall not use any technique, software, tool or code that would harm or affect all or any portion of the website or Services offered by Star Health. The User must use the site(s), the services and the information provided solely for his/her own personal use and must not make this information or any copies available to third parties without prior written consent. The services of this Website shall be available to Retail/corporate users.

During the use of website various other hyperlinks and extensions may pop-up, the user should be aware that browsing of these third-party websites may be subject to separate terms and conditions, information collection practices, and other provisions. Star Health neither endorses, nor is it responsible for any of the products, services, or content offered in any third-party sites and disclaims any liability or information provided through any other website and shall not be held responsible on account of any activity/ inactivity made based on the said information. Further, the User agrees to indemnify, defend and hold harmless Star Health from any liability, loss, claim and expense (including attorney’s reasonable fees) related to but not limited to their actions such as violation of this agreement.

The availability of the information and guidance as part of the website does not constitute a recommendation by Star Health, of any medical practice, particular medicine, or to buy any policy etc., discussed therein by Star Health. User shall be solely responsible for any decisions, which they arrive at after their own evaluation of the policies / products of Star Health and post consultation with any of their advisors.

Star Health shall not be liable for any damages arising from interruption, suspension or termination of the Website, including but not limited to direct, indirect, incidental, special, consequential or exemplary damages, whether such interruption, suspension or termination was justified or not, inadvertent or advertent. In no event shall our liability to user’s for all damages, losses and causes of action (whether in contract or tort, including but not limited to, negligence) exceed the amount paid by you, if any, for accessing the Website.

The trademarks, logos, slogans and service marks displayed on this website, whether registered and unregistered, are proprietary to Star Health. Unless expressly stated in writing, Star Health does not grant any authority, right or license to the user of the website to use or display any trademarks, logos, slogans and service marks displayed on this website. Star Health reserves its right to seek appropriate legal remedy for any violation or breach of any intellectual property rights including but not limited to unauthorized use of any trademarks, logos, slogans, service marks and contents of this website.

The website collects contact information such as user name, address, email address and other details as given in the registration page of our website. If user purchases a policy from us, we will collect the personal and financial information of user such as credit card number and expiration date through the payment gateway of the credit card company or the internet banking service of the user’s bank. The user agrees, understands and confirms that the credit card details provided by them for availing of services on Star Health shall be correct and accurate and the user shall not use any credit card which is not lawfully owned by them. The said information will not be utilized or shared by Star Health with any third parties unless required by law, regulation or court order. We value your privacy and will take utmost care and necessary steps to keep the information confidential.

Further, it is the obligation of the user to make the payment for premium through a legal proceed. However, if it is found that the premium has been paid through the proceeds of crime related to any of the scheduled offence listed in Prevention of Money Laundering Act, 2002, Star Health has the right to call for documents to establish the sources of funds. If user is found guilty by any competent court of law directly or indirectly governing prevention of money laundering in India, Star Health has right to cancel the insurance contract.

Star Health does not guarantee or warranty that there will be uninterrupted access to and/or use of the Payment and delivery Mechanism to the users. Further, Star Health and the Payment Gateway Service provider shall not be liable for any losses, damages that may be incurred by either directly or indirectly in respect of any loss of access and/or use or interruption in the use of the Payment Mechanism due to the Maintenance Services being performed on the same.

Star Health offers Tele-Medicine Facility which connects the user virtually to qualified medical practitioners for consultation on medical issues. It is a value added service provided to Customer/Visitor(s) soliciting opinion on the Line of Treatment. This facility operates through an In-house medical team consisting of qualified medical practitioners with IT enabled interactive Voice/Video/Chat medium compatible with mobile telephone technology. Star Health takes utmost care to maintain confidentiality of information/data furnished or medical records uploaded for this purpose. This online consultation is solely based on the information provided by the user and in absence of physical evaluation the provider/treating doctor may not be aware of certain facts that may limit or affect his or her assessment or diagnosis or the condition of the user or recommended treatment. The Advice obtained is not final and binding on users. Utilizing this service will not entitle a user to prefer a claim. The diagnosis made and medicines prescribed during online consultation are purely based on information provided by users. Hence, user are well advised to treat the consultation as an interim measure and consult their family physician or approach nearest hospital immediately for follow up. Star Health will not be in any way liable for any consequence that may arise.

This is a virtual platform whereby user opting for healthy life style can adopt wellness practices like taking automated health risk assessment to assess health risk, track health parameters using health calculators and tools, and track daily activity like walking to lead a healthy lifestyle. Additionally user opting for healthy lifestyle program is connected to a wellness coach from Star Health who will guide the user to improve the health through simple changes in Diet & Nutrition, easy exercises that keeps us active through small changes in our life style. This is a complimentary program that offers only guidance to managing health conditions and achieving wellness. The information and services offered are entirely educational and Star Health assumes no responsibility for any consequence relating directly or indirectly to any action the user takes based on the information provided, though utmost care is taken by Star Health to provide accurate information.

Star Health shall not be liable if any transaction does not materialize or may not be completed or for any failure on its part to perform any of its obligations under these terms and conditions or those applicable specifically to any services, if the same is prevented, hindered or delayed by a Force Majeure and in such case its obligations shall be suspended for so long as the Force Majeure event continues. "Force Majeure" means any event due to any cause beyond the reasonable control of the Star Health, including without limitations, sabotage, fire, flood, explosion, acts of god, civil commotion, strikes or industrial action of any kind, riots, insurrection, war, acts of government, faults or failures in telecommunication, unavailability of any communication systems, breach, or virus in the processes or payment or delivery mechanism, computer hacking, computer crashes, malfunctioning in the computer terminal or the systems getting affected by any malicious, unauthorized access to computer data and storage devices, destructive or corrupting code or program, mechanical or technical errors/failures or power shut down, etc.

The terms and conditions of the website are governed by and shall be interpreted in accordance with Indian laws.

The user agrees to the exclusive jurisdiction of the courts in Chennai in respect to any proceedings in connection with these Terms and Conditions of this Website.

If any provision of these Terms and Conditions is found to be unenforceable, such invalidity or unenforceability will not affect the other Terms and Conditions, which will continue to be in full force and effect.

Any disputes that might arise with regard to the interpretation of the terms and conditions under this agreement and/or to the contents stated in the Website and/or as to the determination of the rights and obligations of the users and the owner/associate of this Website herein shall be settled by way of referring such dispute to an Arbitral Tribunal governed by a sole arbitrator to be appointed by the Chairman of the company STAR HEALTH.