Disclaimer

General Disclaimer

The information provided on AskBima (askbima.ai) is for general informational and educational purposes only. While we strive to keep the information accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

Not Financial or Medical Advice

Insurance Information

The content on this website:

• Is not personalized insurance advice
• Should not be construed as recommendations to buy specific policies
• Does not replace consultation with licensed insurance advisors
• May not account for your specific circumstances, health conditions, or financial situation

Medical Information

Any health-related information:

• Is for informational purposes only
• Is not medical advice
• Should not be used for diagnosis or treatment decisions
• Does not replace professional medical consultation

Accuracy of Information

Premium Quotes

• Premium amounts displayed are indicative estimates based on information you provide
• Actual premiums may vary upon underwriting and medical examination
• Insurers may apply loadings or decline coverage based on health declaration
• Quotes are subject to change without notice

Plan Features

• Coverage details are summarized for comparison purposes
• Complete terms are in the official policy document (policy wordings)
• Features may vary by insurer and plan variant
• Always read the policy document before purchasing

Claim Settlement Ratios

• Claim settlement ratios are based on publicly available IRDAI data
• Past performance does not guarantee future results
• Individual claim outcomes depend on various factors
• Ratios are updated periodically and may not reflect current data

Third-Party Information

Insurance Companies

Information about insurance companies, plans, and features:

• Is sourced from insurers, IRDAI, and public sources
• May not reflect real-time updates
• Should be verified with the insurer before purchase
• We are not responsible for insurer actions or representations

External Links

Links to external websites:

• Are provided for convenience only
• Do not imply endorsement of external content
• We are not responsible for third-party website content
• Users access external sites at their own risk

Limitation of Liability

Exclusion of Damages

To the fullest extent permitted by law, AskBima shall not be liable for:

1. Direct damages arising from use of information on this website
2. Indirect damages including lost profits, business interruption
3. Consequential damages from decisions based on our content
4. Claim rejections or policy disputes with insurers
5. Technical issues including website downtime or data loss

No Guarantee

We do not guarantee:

• Policy approval by any insurer
• Claim settlement or approval
• Accuracy of premium calculations
• Availability of any plan or feature
• Suitability of any plan for your needs

Regulatory Compliance

IRDAI Registration

AskBima is registered with the Insurance Regulatory and Development Authority of India (IRDAI) as a web aggregator. Our role is limited to:

• Providing information and comparison
• Facilitating connections with insurers
• Assisting in the buying process

We are not an insurance company and do not underwrite or issue policies.

Insurance Contract

• The insurance contract is between you and the insurer
• Policy terms are governed by the insurer’s policy document
• AskBima is not a party to the insurance contract
• All claims and benefits are subject to insurer’s terms

User Responsibility

By using this website, you acknowledge that:

1. You will verify all information independently before making decisions
2. You will read policy documents thoroughly before purchase
3. You understand that insurance involves terms, conditions, and exclusions
4. You will provide accurate information for quotes and applications
5. You will consult professionals for personalized advice

Investment and Tax Disclaimer

• Health insurance premiums may qualify for tax benefits under Section 80D
• Tax benefits are subject to prevailing tax laws
• Tax laws may change; consult a tax advisor for current provisions
• We do not provide tax advice

Changes to Disclaimer

We may update this disclaimer periodically. Changes will be posted on this page. Your continued use of the website after changes constitutes acceptance of the updated disclaimer.

Governing Law

This disclaimer is governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.

Contact

If you have questions about this disclaimer:

• Email: legal@askbima.com
• Address: Mumbai, Maharashtra, India

By using AskBima, you acknowledge that you have read, understood, and agree to this disclaimer.

Last updated: January 2026