Terms and Conditions
These Terms and Conditions govern your use of EHRM Insurance's services. By accessing our services, you agree to comply with these terms.
Acceptance of Terms
By accessing or using EHRM Insurance’s services, including our website, mobile app, or insurance products, you agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using our services.
These terms apply to all users, including individuals, businesses, or other entities purchasing or inquiring about our insurance policies. We reserve the right to update these terms at our discretion, with changes effective upon posting on our website. Continued use of our services constitutes acceptance of the updated terms.
Our Services
EHRM Insurance provides a range of insurance products, including life, health, auto, property, and travel insurance, designed to meet the needs of individuals and businesses. Our services include:
- Policy Issuance: Offering tailored insurance policies based on your requirements.
- Claims Processing: Efficient handling of claims with a commitment to a 97% settlement ratio.
- Customer Support: 24/7 assistance via phone, email, or app for policy management and inquiries.
- Digital Tools: Mobile app and website for premium payments, claims tracking, and policy updates.
| Service | Description | Availability |
|---|---|---|
| Life Insurance | Term, whole life, and endowment plans | India and select global markets |
| Health Insurance | Individual and family floater plans | India, with cashless hospital networks |
| Auto Insurance | Comprehensive and third-party coverage | India |
User Obligations
As a user of EHRM Insurance’s services, you agree to:
- Provide Accurate Information: Submit truthful and complete details (e.g., medical history, financial information) during policy application or claims.
- Pay Premiums Timely: Ensure premiums are paid on schedule to maintain active coverage.
- Comply with Policies: Adhere to policy terms, including exclusions and conditions outlined in your insurance contract.
- Notify Changes: Inform us of changes in your contact details, health status, or other relevant information.
- Avoid Misuse: Do not use our services for fraudulent or illegal purposes.
Failure to meet these obligations may result in policy cancellation or claim denial.
- Verify all information before submission.
- Set reminders for premium payments.
- Review policy documents for terms and exclusions.
- Contact support for assistance with updates.
Limitations of Liability
EHRM Insurance strives to provide reliable services but is not liable for:
- Service Interruptions: Temporary unavailability of our website or app due to maintenance or technical issues.
- Third-Party Actions: Losses caused by third parties, such as hospital errors or payment gateway failures.
- Inaccurate Information: Issues arising from incorrect or incomplete information provided by you.
- Force Majeure: Events beyond our control, such as natural disasters or regulatory changes.
Our liability is limited to the amount of premiums paid for the affected policy, subject to applicable laws.
Termination of Services
We reserve the right to terminate or suspend your access to our services if you:
- Fail to pay premiums on time.
- Provide fraudulent or misleading information.
- Violate these Terms and Conditions or policy agreements.
- Engage in illegal activities related to our services.
You may terminate your policy by notifying us in writing, subject to the policy’s terms (e.g., cancellation fees, refund policies). Upon termination, coverage will cease, and no further claims will be processed.
Governing Law
These Terms and Conditions are governed by the laws of India. Any disputes arising from these terms or our services will be resolved under the jurisdiction of the courts in Mumbai, Maharashtra.
For questions or concerns, contact our support team:
- Email: ehrminsurance@ehrmsup.in
- Phone: 1800-123-4567 (Toll-free, 24/7)
- Address: EHRM Insurance, 1234 Business Park, Mumbai, Maharashtra, India
Last updated: June 20, 2025