Your continued use of the facilities on this Website constitutes acceptance of the changes and an Agreement to be bound by Terms of Use, as amended.
No fee of whatsoever nature is to be charged for the use of this Website. If you do not agree with any of these Terms of Use, you may not use this Website. Authorisation to Facilities Provider. You have the option to withdraw the said consent in the manner specified under these Terms of Use.
Please also read the Privacy Policy for more information and details as provided on the Website. The Privacy Policy may be updated from time to time. Changes will be effective upon posting of the revised Privacy Policy on the Website. You can create a unique ID on the Website for managing and transacting all financial and non financial transactions with ABC Companies.
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. 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. 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.
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. 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. 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. 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. 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. 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. 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. 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,.
Use of Website in India. 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. 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. Third party websites. 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.
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.
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.
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. 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. Use of Cookies. Facilities Changes and Discontinuation. The Website reserves the right to discontinue or suspend, temporarily or permanently, 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. Similarly, under the Hospital Daily Cash plans, the basis of the claim is the 'number of days' hospitalised and not the actual expenses incurred.
Let's say, someone is holding Hospital Daily Cash plan for Rs per day. He is hospitalised for 3 days and the actual hospital bill amounts to Rs 25, Under the Hospital Daily Cash plan, which is a defined-benefit plan, the amount of claim will be equal to Rs 3, for the three days stay in hospital.
Further, health insurance plans aren't just restricted to non-life insurance companies. Even life insurers have health insurance offerings which are primarily defined-benefit in nature. So, Critical Illness plans or HDC can be offered by life insurers in the form of a separate policy or as a rider with a life insurance policy.
Under these plans, a portion of the premium goes towards medical coverage and the rest of the premium is invested in a fund that works similar to a mutual fund. What to do: Different health insurance plans cater to different health insurance needs of an individual. One can then look at topping it up with a critical illness plan which is a defined-benefit plan and thereafter a Hospital Daily Cash plan to meet incidental costs during hospitalisation.
But most importantly, adopt a healthy lifestyle to keep the ailments away. Mutual Funds. Term Insurance. Motor Insurance. Health Insurance. Save Tax. Tax slabs. Why you need to supplement 'indemnity' health covers with 'defined-benefit' health insurance plans.
Indemnity plans also include health insurance plans for family. Basic health insurance and family floaters come under indemnity insurance plans. These plans list down the different types of charges that will be reimbursed on making a claim. Some of the charges are:. Most plans do not include pre- and post-hospitalization charges. Hospitalization charges include room rent, nursing charges, medicines and other consumables during hospital stay. For example, a policyholder having a coverage of Rs.
Depending on the deductibles in the policy, he will get either the entire surgery cost or a percentage of the cost. The balance amount is available for a future claim during the policy duration. Indemnity plans require supporting or proof of expenses.
These bills need to be submitted to the insurance company at the time of making the claim. If the policyholder opts for cashless treatment , the hospital submits relevant supporting to the Insurance company.
Most indemnity policies have either one of these clauses, with regards to payment of compensation:. An indemnity health insurance plan lets you take treatment in any hospital.
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