These Terms & Conditions govern your access to and use of the UnbiasedCover website and the insurance-related information, comparison, assistance and support services made available through our platform.
Please read these Terms & Conditions carefully before using UnbiasedCover. By accessing our website, submitting an enquiry, requesting insurance assistance or otherwise using our services, you agree to be bound by these Terms & Conditions, together with our Privacy Policy and other applicable notices displayed on the website.
By accessing or using the UnbiasedCover website or voluntarily submitting information through our website, forms, telephone, email, WhatsApp or other communication channels, you acknowledge that you have read and understood these Terms & Conditions.
If you do not agree with these Terms, you should discontinue use of the website and related services.
UnbiasedCover provides insurance-related information, comparison assistance, advisory support, customer servicing assistance and other related services.
Depending on the service requested, we may help users understand insurance products, compare available options, communicate with relevant insurance providers or intermediaries and obtain assistance relating to an existing insurance policy or claim.
Availability of any insurance product, feature, premium, discount, benefit or service may depend on the insurer, eligibility, underwriting requirements and applicable policy terms.
Insurance comparisons, explanations and recommendations provided through UnbiasedCover are intended to help customers better understand available options.
A product that is suitable for one customer may not necessarily be suitable for another. Insurance requirements can vary based on factors such as age, health, family composition, occupation, financial situation, existing coverage and individual needs.
The insurance policy is issued by the respective insurance company. The insurer's official policy wording, schedule, terms, conditions, exclusions, underwriting decision and applicable regulations govern the insurance contract. Information displayed or explained on UnbiasedCover should be read together with the official insurer documentation.
We aim to provide clear and useful information. However, insurance products, premiums, features, network information, discounts, policy terms and other details may be changed by insurers or other relevant parties.
Customers should verify material product information against the latest official quotation, policy wording, benefit illustration, proposal documentation or other documents issued by the insurer before making a final decision.
Customers are responsible for providing complete, accurate and truthful information when requesting an insurance quotation or submitting a proposal or service request.
This may include information regarding:
Incorrect, incomplete or withheld material information may affect underwriting, policy validity, benefits or claim assessment in accordance with applicable policy terms and law.
Insurance premiums and quotations displayed or communicated may be indicative until confirmed by the relevant insurer.
Final premium may vary depending on underwriting, age, medical history, location, coverage selected, taxes or other factors applicable to the insurance product.
Where payment is processed through an insurer or third-party payment service, the terms and conditions of the relevant payment provider may also apply.
Submission of an insurance proposal, payment of a premium or receipt of a quotation does not by itself guarantee issuance of an insurance policy.
The relevant insurer may conduct underwriting and may request additional documents, medical examinations, declarations or other information before accepting, modifying or declining a proposal.
The final decision regarding policy issuance remains subject to the insurer's underwriting process and applicable terms.
UnbiasedCover may provide assistance in understanding claim procedures, documentation requirements, insurer queries and other claim-related processes.
Such assistance does not constitute a guarantee that a claim will be approved, paid in full or settled within a particular period.
Claims are assessed and decided by the respective insurance company in accordance with the policy wording, submitted documents, circumstances of the claim and applicable requirements.
Our claim assistance team can help customers understand communication, documentation and possible next steps, but the insurer remains responsible for the final claim decision.
Cancellation, refund, free-look, endorsement, modification and renewal of an insurance policy are subject to the terms of the respective insurance product, insurer requirements and applicable rules.
Where eligible, customers should submit cancellation or modification requests within the applicable time period and through the required process.
You agree to use the UnbiasedCover website only for lawful purposes and in a manner that does not interfere with the operation, security or availability of the website.
Users must not:
Unless otherwise stated, the UnbiasedCover brand, website design, original text, graphics and other original website materials are owned by or licensed for use by UnbiasedCover.
Third-party insurance company names, logos, trademarks and product names remain the property of their respective owners.
Website content may not be reproduced, republished, distributed or commercially exploited without appropriate permission, except where permitted by law.
Our website may contain links to insurer websites, payment services, social media platforms, maps and other third-party websites or services.
These services are operated independently and may have their own terms, privacy policies and practices. UnbiasedCover does not control the content or operation of independent third-party websites.
To the extent permitted under applicable law, UnbiasedCover shall not be responsible for losses arising solely from decisions or actions of independent third parties, including insurers, hospitals, payment providers or other service providers.
UnbiasedCover does not guarantee uninterrupted website availability, approval of an insurance proposal, a particular premium, continuation of any product feature or approval of an insurance claim.
Nothing in these Terms is intended to exclude or limit any right or liability that cannot lawfully be excluded under applicable law.
Information submitted through UnbiasedCover may be processed for insurance enquiries, customer support, policy assistance, claim assistance and other purposes described in our Privacy Policy.
Please review the UnbiasedCover Privacy Policy for additional information regarding the collection, use, sharing and handling of personal information.
We may update these Terms & Conditions from time to time to reflect changes in our services, business practices, website functionality or applicable requirements.
The revised Terms may be published on this page with an updated "Last Updated" date. Continued use of the website after an update will be subject to the then-current Terms.
These Terms & Conditions shall be governed by the applicable laws of India.
Subject to applicable statutory or regulatory rights and dispute-resolution mechanisms, disputes relating to the use of the UnbiasedCover website or these Terms shall be subject to the jurisdiction of competent courts in Kolkata, West Bengal.
If you have a question regarding these Terms & Conditions, an existing service request, a claim assistance enquiry or a complaint, please contact the appropriate UnbiasedCover support channel below.
We're here to help with your insurance-related queries.
1/17A, UnbiasedCover, Opposite Lenskart, Ashok Nagar, Tollygunge, Kolkata, West Bengal – 700040