Terms & Conditions

1. Acceptance of Terms

By accessing and using Riskkavach's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these terms, please do not use our services.

2. Service Description

Riskkavach Services Pvt Ltd provides:

• Travel insurance products and services
• Online doctor consultation services
• Claims processing and support
• 24/7 emergency assistance
• Travel-related information and resources

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into contracts
• Provide accurate and truthful information
• Comply with all applicable laws and regulations

4. Account Registration

When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

5. Insurance Policies

Policy Purchase

• All policy terms and conditions are detailed in your policy document
• Coverage begins only after payment confirmation
• Pre-existing medical conditions must be declared
• Age restrictions apply as per policy terms

Premium Payment

• Premiums must be paid in full before policy activation
• We accept various payment methods as displayed
• Failed payments may result in policy cancellation
• Refunds are subject to our cancellation policy

6. Claims Process

For insurance claims:

• Claims must be reported within specified timeframes
• All required documentation must be provided
• False or fraudulent claims will be rejected
• We reserve the right to investigate all claims
• Settlement is subject to policy terms and conditions

7. Online Doctor Consultation

Service Limitations

• Consultations are for advisory purposes only
• Not a substitute for emergency medical care
• Prescriptions are subject to local regulations
• We are not liable for treatment outcomes

Medical Disclaimer

The online consultation service is provided for informational purposes and should not replace professional medical advice, diagnosis, or treatment. Always seek immediate medical attention for emergencies.

8. Prohibited Uses

You may not use our services to:

• Violate any laws or regulations
• Transmit harmful or malicious content
• Impersonate others or provide false information
• Interfere with website functionality
• Attempt unauthorized access to systems
• Use automated systems without permission

9. Intellectual Property

All content on our website, including:

• Text, graphics, logos, and images
• Software and source code
• Trademarks and service marks
• Website design and layout

Is owned by Riskkavach and protected by intellectual property laws. Unauthorized use is prohibited.

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for information on how we collect, use, and protect your personal data.

11. Limitation of Liability

Riskkavach's liability is limited to the extent permitted by law. We are not liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Third-party actions or omissions
• Technical failures or interruptions
• Acts of nature or circumstances beyond our control

12. Indemnification

You agree to indemnify and hold harmless Riskkavach from claims, damages, or expenses arising from:

• Your use of our services
• Violation of these terms
• Infringement of third-party rights
• Your negligent or wrongful conduct

13. Termination

We may terminate or suspend your access to our services:

• For violation of these terms
• For fraudulent or illegal activities
• At our sole discretion with notice
• If required by law or regulation

14. Governing Law

These terms are governed by the laws of India. Any disputes will be resolved in the courts of Indore, Madhya Pradesh, India.

15. Modifications

We reserve the right to modify these terms at any time. Changes will be posted on our website with the updated date. Continued use constitutes acceptance of modified terms.

16. Severability

If any provision of these terms is deemed invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Contact Information

For questions about these terms, contact us:

• Email: legal@Riskkavach.in
• Phone: +91-12345-67890
• Address: Riskkavach Services Pvt Ltd, 123 Business Center, Vijay Nagar, Indore, MP - 452010

18. Emergency Situations

In case of travel emergencies:

• Contact local emergency services first (police, ambulance, fire)
• Then contact our 24/7 emergency helpline: +91-9876-543-210
• Keep your policy number and identification ready
• Follow instructions from our emergency response team