• Home
  • Terms Of Product

MOST IMPORTANT TERMS OF PRODUCT

These most important terms of the product (“MITP”) set out a brief summary of the terms governing the various products available to the customers (“Customers”) of GP AarogyaHealthcare Technologies India Private Limited (“AarogyaKavach”) on its website (https://www.gpaarogya.com/) and the mobile application under the name of ‘Aarogya healthcare’ (together the “Portal”). By accessing the Portal or using the services provided by Aarogya healthcare’ in any manner whatsoever, the Customer agrees to be bound by these terms and the: (1) Aarogya healthcare’ terms of service; and (2) Aarogya healthcare’ privacy policy (collectively the “Terms”). If the Customer does not agree with these terms, the Customer should not access the Portal. The headings contained in these terms are for reference purposes only. The Customer should print a copy of these terms for their records. By agreeing to sign-up to the Portal, the Customer also hereby gives consent for availing the (i) OPD and other healthcare facilities by third party (ii) credit provided by financing partners (“Financing Partners”) for healthcare expenses (“Credit Facility”) ((i) and (ii) together the “Services”). The most important terms and conditions of the Services are set out here in.

The Services

By clicking on the ‘Accept & Continue’ button below, the Customer is hereby applying for the Card and/or the Credit Facility and is further agreeing to be bound by the Terms and the terms and conditions of the Bank and/or the Financing Partners. It is clarified that these MITP will only be applicable to the Customer to the extent the Customer is using a particular Service. So, if the Customer is using Services in relation to the Card only, the specific clauses relating to the Credit Facility only will not be applicable to the Customer. Similarly, if the Customer is using Services in relation to the Credit Facility only, the specific clauses relating to the Card only will not be applicable to the Customer. If the Customer is using the Card and the Credit Facility both, all the clauses will be applicable to the Customer.

2. Credit Facility

  • The Customers can avail of the Credit Facility (through the Financing Partners) for their healthcare expenses. This service is available to the Customer provided Aarogya Healthcare has partnered with the employer of the Customer or otherwise as per this Section.
  • Initially, the employer will provide data in relation to the Customer (on behalf of the Customer) as per the Terms and in accordance with the policies of the Financing Partner. The data collected will be handled as per the Terms and the policies of the Financing Partner. The Customer acknowledges and consent to the fact that their data may be shared by third parties (such as their employer, their organisation etc. if applicable) and such data shall be stored, retained and otherwise used or utilised by Aarogya Healthcarein accordance with its Terms.
  • After the data is gathered, the Customer is onboarded as a user on the Portal after undergoing the KYC verification as per the Terms. The Customer agrees and acknowledges that Aarogya Healthcaredoes not store, hold or otherwise retain any documents shared by the Customer as part of the KYC process. The Customer also explicitly agrees and acknowledges that the documents shared by the Customer as part of the KYC process can be used by the Financing Partners for conducting credit bureau checks or other checks for creditworthiness.
  • Basis the data, the Customer will be approved and offered a pre-approved amount by the Financing Partners (“Eligibility Amount”). To use this Eligibility Amount, the Customers will have to set up repayment mandates in Favor of Financing Partners (“Repayment Mandate”).
  • The Eligibility Amount is valid for 30 days post which it is re-calculated. (f) The Customer may draw down any portion from the Eligibility Amount, for which the Customer has to request for a draw down through the Portal. (g) When the Customer wants to draw-down a specific amount (each a “Loan”) from the Eligibility Amount, Janarogya Healthcarethrough its Platform conveys this demand to the Financing Partner and the Financing Partner responds with a Key Fact Statement, Sanction Letter and a Loan agreement.
  • The customer has to agree to the Key Fact Statement, Sanction Letter and execute the Loan Agreement digitally before the Loan can get disbursed to them.
  • Each draw-down will be considered a separate Loan and accordingly a separate loan agreement shall be executed between the Customer and the Financing Partner.
  • Aarogya Healthcarewill not be a party to the loan agreements executed between the Customer and the Financing Partner and Aarogya Healthcare specifically disclaims all liability, direct or indirect, incurring to either the Customer or the Financing Partner, as a result or any act or omission which results in a breach of any of the loan agreements or related documents (the “Financing Documents”).
  • The Financing Partner disburses the Loan into the hospital’s bank account directly (the same bank account which has been setup for the Repayment Mandate).

3.The Card

  • Aarogya Healthcarewill provide the Card to the Customer for its healthcare expenses.
  • Initially, the employer/Individual will provide data in relation to the Customer (or/on behalf of the Customer) as per the terms and the policies of the Bank. The data collected will be handled as per the terms and the policies of the Bank. The Customer acknowledges and consents to the fact the Customer’s data may be shared by third parties (such as their employer, their organisation etc. if applicable) and such data shall be stored, retained and otherwise used or utilized by Aarogya Healthcarein accordance with its Terms.
  • After the data is gathered, the Customer is onboarded as a user on the Portal after undergoing the KYC verification as per the Terms. The Customer agrees and acknowledges that Aarogya Healthcaredoes not store, hold or otherwise retain any documents shared by the Customer as part of the KYC process. The Customer also explicitly agrees and acknowledges that the documents shared by the Customer as part of the KYC process can be used by the Bank.
  • Basis the data, the Card is issued to the Customer. The employer of the Customer shares with Janarogya Healthcarean INR value up to which the Card can be loaded at an individual Customer level. Before each time the Customer wants to utilize the Card for a transaction, the Customer has to request that their Card be loaded with the desired amount. The Customer acknowledges and agrees that the Card issued by the Bank is not loaded through any credit facilities availed from the Financing Partners.
  • The Card can be utilized only in accordance with the Terms and the terms and policies of the Bank.

4. Fees, Interest and Charges

If the Customer uses the Services, the Customer may be charged non-refundable service charges or fee, details of which will be communicated to the Customer in the Financing Documents issued by the Financing Partner and/or any documents issued by the Bank or Aarogya Healthcarein relation to the Card.

The Customer is also responsible for any fees or other amounts that the Customer’s phone service provider charges, such as fees for SMS, data services, and any other fees that the Customer’s phone service provider may charge.

5. Entire Understanding

The MITP sets out the summary of terms governing various products available to the Customer through the Portal and by clicking on ‘Accept & Continue’ button below, the Customer is hereby agreeing to these terms and conditions, along with the terms and conditions in the following documents (as applicable):

  • Relevant Financing Documents executed with the Financing Partners.
  • Terms and conditions/privacy policy of Aarogya HealthcareFinancing Partners and/or the Bank.
  • Terms and Conditions available on the Aarogya HealthcarePortal
  • Privacy Policy of Janarogya Healthcare.

6. Confidentiality

The Customer hereto shall keep strictly confidential all information including but not limited to that which may be disclosed or confided to it by the other in the course of the performance of the obligations (“Confidential Information”) under this MITP. The Customer shall not disclose Confidential Information to any third party without prior approval of Aarogya Healthcare. This clause shall survive the termination of the Services. Information may not be considered as Confidential Information is the same is: (a) Already in public domain; (b) Required to be disclosed by the Customer under any laws, rules or regulations or pursuant to the order or direction, of any court, authority, tribunal or forum.

7. Change in Information

The Customer shall also inform Aarogya Healthcareof any change in the Customers mailing address. Further, the Customer shall also inform Aarogya Healthcareabout any change in the details such as name, telephone number, or mobile number. The Customer can update these details by submitting a request by emailing a info@gpaarogya.com.

8.Prohibition against Assignment

The functions, rights or obligations under the MITP shall not be assigned or delegated to any party or person by the Customer without the express prior written consent of Aarogya Healthcare. Any purported assignment or delegation is contravention of the terms under this MITP and shall be null and void.

9. Indemnity

The Customer shall indemnify and keep Aarogya Healthcare, its directors, officers, employees and agents indemnified of, from and against any cost, expenses, charges, which Aarogya Healthcareis required to incur or has incurred to defend any such claim, suit, demand, prosecution, proceedings, due to any act of omission or commission, fraud, negligence or default on the part of the Customer.

10. Force Majeure

Notwithstanding anything contained herein, Aarogya Healthcareshall not be liable to the Customer for any harm, loss, damage or injury caused due to causes beyond its control such as tide, storm, cyclone, flood, lightning, earthquake, fire, blast, explosion or any other act of God, war, rebellion, revolution, insurrection, embargo or sanction, blockade, riot, civil commotion, labour action or unrest including strike, lock-out or boycott, interruption or failure of any utility service, enemy action, criminal conspiracy, act of terrorism or vandalism, sabotage, hacking, unanticipated technological or natural interference or intrusion, loss or damage to satellites, loss of satellite linkage or any other data communications linkage, loss of connectivity or any other irresistible force or compulsion.

11. Service of Notice

Any notice or communication required to be given under this MITP shall not be binding unless the same is in writing and shall have been served by hand delivery against acknowledgement or by registered post at the [Corporate Office: Plot No.76,4-A,2nd Floor Office no.113, Lane No.04, metro pilar no.28 New Ashok Nagar New Delhi-110096. A notice is to be served to Aarogya Healthcareand to address recorded with Aarogya Healthcarein case notice is to be served to the Customer.

12. Contact

If the Customer has any questions about our policy or related dealings withAarogya Healthcareor would like further information about our services and practices, the Customer can contact Aarogya Healthcareat info@gpaarogya.com.This MITP must be read in conjunction with the other agreements Any grievance, with respect to the MITP, shall be addressed to info@gpaarogya.com.

13. Governing Language

  • In the event the Customer has any queries regarding the policy, including but not limited to reporting any violation of the MITP, kindly contact Aarogya Healthcare at:
  • Name: Sanjay Sharma Email: Sanjay.sharma@gpaarogya.com.
  • The Customer may address any grievances in respect of the MITP.

    • 14. Governing Law and Jurisdiction

  • The MITP and the services shall be governed by and construed in accordance with the laws of India and subject to the provisions of arbitration set out herein, the courts at Mumbai shall have exclusive jurisdiction in relation to any disputes arising out of or in connection with these Terms. (b) If any dispute arises between Aarogya Healthcareand the Customer in connection with or arising out of the validity, interpretation, implementation or alleged breach of any provision of the MITP, such dispute shall be referred to and finally resolved by arbitration in accordance with the Arbitration and Conciliation Act, 1996 for the time being in force, and which rules are deemed to be incorporated by reference in this clause. The dispute shall be resolved through arbitration by 1 (one) arbitrator and the seat and venue of the arbitration shall be Mumbai, India. (c) The language of the arbitration proceedings and of all written decisions and correspondence relating to the arbitration shall be English.
  • By acceptance of the MITP, the Customer agrees to be bound by the governing law and mechanism of dispute resolution above.

    • 15.Schedule of Charges

    You may also incur fees charged by Bank and/or Aarogya Healthcarein respect of issuance and/or usage of the Card as per the schedule of charges below:

    Description of Charges Amount

    • Re-issuance of Lost or Damaged Card INR 300
    • Additional Add / Supplementary on Cards (First Add On Card Free) INR 300
    • Aarogya Healthcareis changing the way Indians pay for their healthcare and bridging the gap of their actual healthcare expense and what their insurance pays for. Simplifying, Indian Healthcare.