Terms & Conditions – BimaCare
Effective Date: 5 September 2026
Last Updated: 5 September 2026
Welcome to BimaCare. By accessing or using our website, submitting an enquiry, requesting an insurance quote, or using our services, you agree to be bound by these Terms & Conditions. Please read them carefully before using our website or services.
1. About BimaCare
BimaCare provides insurance-related guidance, assistance, and support to help customers understand and explore suitable insurance solutions.
Our services may include assistance related to Life Insurance, Health Insurance, Motor Insurance, Travel Insurance, Home Insurance, and other insurance products.
2. Insurance Information
Information provided on our website is intended for general informational and guidance purposes.
Insurance products, premiums, coverage, exclusions, eligibility, benefits, policy terms, and conditions may vary depending on the insurance provider and the specific policy selected.
The final terms of an insurance policy are determined by the respective insurance company and the official policy documents.
3. Quotes & Premiums
Any quote, premium estimate, benefit illustration, or other information provided through BimaCare is subject to applicable insurer terms and eligibility requirements.
A quote should not be considered a guarantee of policy issuance or final premium until confirmed by the relevant insurance provider.
4. Customer Information
You agree to provide accurate, complete, and up-to-date information when submitting an enquiry, requesting a quote, purchasing a policy, or communicating with BimaCare.
Providing incorrect, incomplete, or misleading information may affect insurance eligibility, premium calculations, policy issuance, or claims.
5. Policy Purchase
BimaCare may assist customers in understanding and selecting insurance options. However, the issuance of an insurance policy is subject to the approval, underwriting, and terms of the respective insurance provider.
Customers should carefully review all policy documents, terms, conditions, exclusions, waiting periods, and applicable limitations before purchasing an insurance policy.
6. Claims Assistance
BimaCare may provide guidance and assistance during the insurance claim process where applicable.
However, claim approval, rejection, settlement amount, and processing timelines are determined by the respective insurance provider according to the applicable policy terms and conditions.
BimaCare does not guarantee the approval or settlement of any insurance claim.
7. Website Usage
You agree not to:
- Use the website for unlawful or fraudulent purposes.
- Submit false or misleading information.
- Attempt to gain unauthorized access to the website or its systems.
- Copy, reproduce, modify, or distribute website content without permission.
- Interfere with the security or functionality of the website.
- Use the website in a way that may harm BimaCare or its customers.
8. Third-Party Insurance Providers
BimaCare may work with or provide information about various insurance companies and their products.
Each insurance provider operates independently and has its own policy terms, conditions, eligibility requirements, underwriting procedures, and claim processes.
BimaCare is not responsible for changes made by third-party insurance providers to their products, premiums, coverage, or policies.
9. Payments & Fees
Where applicable, any service fees, processing charges, or other applicable charges will be communicated to the customer before the relevant service is provided.
Insurance premiums are generally determined by the respective insurance provider and may vary based on factors such as age, coverage, risk profile, location, policy type, and other applicable criteria.
10. Intellectual Property
All website content, including text, graphics, logos, images, designs, branding, and other materials, is owned by or licensed to BimaCare unless otherwise stated.
You may not reproduce, modify, distribute, or commercially use such content without prior written permission.
11. Website Availability
We aim to keep our website accurate, secure, and available. However, we do not guarantee that the website will always be available, uninterrupted, error-free, or completely free from technical issues.
We may modify, suspend, or discontinue any part of the website or its services without prior notice where reasonably necessary.
12. Limitation of Liability
BimaCare will make reasonable efforts to provide accurate information and assistance. However, we are not responsible for losses arising from:
- Incorrect information provided by a customer.
- Decisions made based solely on general information available on our website.
- Actions, decisions, or delays by an insurance provider.
- Rejection or non-settlement of an insurance claim by an insurer.
- Changes to insurance products, premiums, or policy terms.
- Temporary website or technical interruptions beyond our reasonable control.
13. Privacy
Your use of our website and services is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information.
14. Changes to These Terms
BimaCare may update these Terms & Conditions from time to time to reflect changes in our services, business practices, or applicable requirements.
The updated version will be published on this page with the revised Last Updated date. Continued use of our website after an update constitutes acceptance of the revised terms.
15. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India.
Any disputes arising in connection with these terms or our services shall be subject to the jurisdiction of the appropriate courts in Kolkata, West Bengal, unless otherwise required by applicable law.
16. Contact Us
For questions, concerns, service requests, or clarification regarding these Terms & Conditions, contact us:
BimaCare – Insurance Services
Address: Aryan Rishita, 3741, Nayabad,
P.S. – Panchasayar,
Kolkata – 700094,
West Bengal, India
Phone:
+91 759 5990 093
+91 759 5990 092
+91 759 5990 091
Email:
amachintya@gmail.com
support@bimacares.com
BimaCare aims to provide transparent insurance guidance and reliable customer support while helping customers make informed insurance decisions.
Note: This is general website-ready Terms & Conditions content. Because BimaCare operates in the insurance sector, the final version should be reviewed by a qualified legal professional before publication to ensure it accurately reflects the business structure, regulatory requirements, and services actually provided.
