Terms & Conditions

1. Accepting these terms

These terms apply to anyone who visits Bimaask.com or uses its calculators, forms or advisory service. By using the site, you agree to them. If you don't agree, please don't use the site. These terms should be read with our Privacy Policy.

2. What Bimaask does

Bimaask.com is operated by [REGISTERED ENTITY NAME] ("Bimaask", "we", "us"). We provide free premium calculators and educational content, and we connect people who ask for help with licensed advisors who can share quotes from partner insurers.

We operate as [IRDAI licence category], registration no. [XXXX], valid until [DATE]. [If Bimaask is not itself licensed, state the licensed intermediary it works with and the nature of the arrangement.]

We are not an insurance company. Policies are issued, priced and serviced by the insurer, and claims are decided by the insurer under its policy terms. Unless clearly stated, we are not affiliated with or endorsed by Life Insurance Corporation of India or any other insurer whose products are mentioned on this site.

3. Calculator results are estimates, not offers

Results from our calculators are indicative ranges based on typical market rates and the information you enter. They are not a quote, an offer of insurance or a promise of a price. Your actual premium depends on the insurer's underwriting, your medical history, inspections, documents, taxes and the features you choose.

4. Advice and your decisions

Our guides are general information. They don't take your personal situation into account and aren't legal, tax or financial advice. Our advisors will explain options and features, but the choice to buy, and which policy to buy, is yours. Before buying, read the policy wording, especially exclusions, waiting periods and claim conditions.

5. Your responsibilities

• Give true, complete and current information. Insurers can reject claims or cancel policies if information is wrong or hidden.
• Only submit details about other people, such as family members, if you have their permission.
• Don't use the site for anything unlawful, to submit false leads, to scrape data, or to disrupt our systems.
• You must be at least 18 years old to submit a request.

6. Payments

Using Bimaask is free. Premiums are paid directly to the insurer or through its authorised payment gateway, and receipts are issued in the insurer's name. Bimaask staff will never ask you to pay a premium into a personal bank account or UPI ID. If anyone does, please report it to us at once.

[Disclose how Bimaask is paid, e.g. commission or fees from insurers, as permitted by IRDAI regulations.]

7. Our content

The Bimaask name, logo, calculators, text and design belong to us or our licensors. You may use the site for your own personal, non-commercial purposes. You may not copy, republish or resell its content without our written permission. Insurer names and logos belong to their owners.

8. Links to other websites

We link to insurers, regulators and other websites for convenience. We don't control those sites and aren't responsible for their content or privacy practices.

9. Limits of our liability

We work hard to keep information accurate and the site available, but we can't guarantee that it will always be error-free or uninterrupted. To the extent permitted by law, Bimaask isn't liable for losses arising from reliance on estimates or general content, from an insurer's decision on a proposal or claim, or from events outside our reasonable control. Nothing in these terms limits any right you have under consumer protection law that cannot be excluded.

10. Complaints and grievance redressal

If you're unhappy with our service, we want to hear about it.

1. Contact us: email [grievance@bimaask.com] or call [NUMBER]. We'll acknowledge your complaint within [2] working days and aim to resolve it within [14] days.
2. Escalate: if you're not satisfied, write to our Grievance Officer, [NAME], at [ADDRESS].
3. About an insurer or a claim: you can complain to the insurer's grievance cell and, if it remains unresolved, use IRDAI's Bima Bharosa portal or approach the Insurance Ombudsman for your area.

11. Governing law

These terms are governed by the laws of India. Disputes will be subject to the exclusive jurisdiction of the courts at [CITY].

12. Changes to these terms

We may update these terms from time to time. The date at the top shows the latest version, and continuing to use the site after a change means you accept the updated terms.