Terms and Conditions

1. Agreement to Terms

By accessing and using Bharat Cover services, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, please do not use our services.

2. Insurance Services

Bharat Cover provides group health insurance and employee benefits solutions to businesses. Our services include:

• Group Health Insurance (GHI)
• Group Term Life Insurance (GTL)
• Group Personal Accident (GPA)
• Outpatient Department (OPD) Coverage
• Workmen Compensation Insurance

3. Eligibility

Our services are available to registered businesses and organizations seeking employee benefit solutions. Individual applications must be submitted through an employer or organization.

4. Information Accuracy

You agree to provide accurate, current, and complete information when submitting inquiries or applications. Any false or misleading information may result in termination of services or denial of claims.

5. Policy Terms

Specific insurance policies are subject to individual terms and conditions as outlined in the policy documents. These Terms and Conditions apply to the use of our website and inquiry services.

6. Pricing and Payment

Insurance premiums and pricing are determined based on various factors including number of employees, coverage type, and risk assessment. Final pricing will be provided in writing after assessment of your requirements.

7. Claims Process

All insurance claims must be submitted according to the procedures outlined in your policy documents. Claims are subject to verification and approval by the insurance provider.

8. Limitation of Liability

Bharat Cover acts as an intermediary between clients and insurance providers. We are not liable for any claims denied by insurance companies or disputes arising from policy coverage.

9. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Bharat Cover and protected by copyright laws. Unauthorized use is prohibited.

10. Privacy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use your information.

11. Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of modified terms.

12. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts in [Your City/State].

13. Contact Information

For questions regarding these Terms and Conditions, please contact us at: