Disclaimer

The information published on www.addvalueinsurance.com is provided by Add Value Insurance Broker Pvt. Ltd. for general informational and educational purposes.

The website may contain company information, insurance product descriptions, comparisons, news, regulatory updates, product launch announcements, customer reviews and claim-related experiences.

Although we endeavour to provide reliable and up-to-date information, the content may not always reflect the latest changes in insurance products, policy wording, premiums, regulatory requirements or insurer practices.

Visitors should independently verify important information before making an insurance decision.

All insurance coverage is subject to the terms and conditions of the policy issued by the relevant insurance company.

The policy wording, schedule, endorsements, exclusions, limits, waiting periods, deductibles, co-payments, sub-limits and other applicable documents determine the actual scope of coverage.

Summaries, examples, videos, articles and product comparisons on this website are not substitutes for the complete policy documents.

Where website content differs from the applicable policy documents, the contractual terms and applicable law will govern the insurance coverage.

Any reference to a claim approval, settlement, reimbursement or successful customer experience is illustrative of that particular case.

Claim decisions depend on several factors, including policy terms, coverage in force, waiting periods, exclusions, disclosures, medical records, supporting documents, admissibility and the insurer's assessment.

Past claim experiences do not guarantee future claim approval or settlement.

Add Value Insurance Broker Pvt. Ltd. endeavours to assist customers with claim-related communication and documentation within the scope of its services. However, the final claim decision rests with the insurer in accordance with the applicable policy and law, subject to available grievance and legal remedies.

Information comparing insurance products is intended to help visitors understand differences between available options.

Comparisons may be based on published product information available at the time of preparation. They may not cover every feature, limitation, exclusion, underwriting rule or individual eligibility requirement.

The suitability of a policy depends on the customer's needs, age, family circumstances, medical history, financial requirements, existing coverage and other relevant factors.

Visitors should obtain a personalised assessment where appropriate and verify the latest product documents before purchasing or renewing a policy.

Premiums, discounts, coverage limits, bonuses, add-on benefits, waiting periods and product features may be revised by insurers from time to time.

Any premium or benefit displayed on the website should be treated as indicative unless expressly identified as a current, insurer-confirmed quotation applicable to the particular customer and circumstances.

Product availability and features are subject to insurer underwriting, regulatory requirements and the terms applicable at the time of purchase.

The website may publish insurance news, market developments, regulatory announcements, educational articles and product launch updates.

Such information is intended to improve general awareness. It may be summarised or interpreted from publicly available sources and may not represent a complete statement of the applicable law, regulation or insurer position.

Visitors should refer to official regulatory notifications, insurer publications and other authoritative sources for confirmation of material developments.

Nothing on this website constitutes a substitute for professional legal, tax, medical or other specialist advice where such advice is required.

References to insurance companies, products, trademarks, logos, publications and other third-party materials are made for identification, informational or other lawful purposes.

Such names, trademarks and logos remain the property of their respective owners.

Their appearance on this website does not imply that the respective owner has approved every statement on the website or endorses any particular comparison, opinion or article, unless expressly stated.

Information obtained from third parties is subject to the accuracy and completeness of the source material.

Customer reviews and claim experiences reflect individual circumstances and opinions.

Outcomes may differ depending on policy conditions, disclosures, medical history, documentation, insurer assessment and other relevant factors.

Testimonials should not be treated as guarantees of service quality, claim approval, financial outcomes or future performance.

We aim to ensure that testimonials and claim-related content are used appropriately, with necessary permissions and reasonable safeguards for customer privacy.

We make reasonable efforts to maintain the website and provide useful information. However, we do not guarantee that the website will always be available, uninterrupted, error-free or free from technical issues.

Website content may be corrected, modified or removed as necessary.

To the extent permitted by applicable law, Add Value Insurance Broker Pvt. Ltd. shall not be responsible for losses arising solely from a visitor's reliance on general website information without independently verifying the relevant policy terms or obtaining appropriate advice.

Nothing in this Disclaimer excludes liability for fraud, wilful misconduct, negligence or any other liability that cannot lawfully be excluded or limited. Nor does this Disclaimer override the company's contractual obligations, applicable regulatory requirements or any mandatory rights available to customers.

For clarification about information published on this website, please contact:

Add Value Insurance Broker Pvt. Ltd.

• Email: teamaddvalue@gmail.com
• Contact/WhatsApp: +91 92119 42424
• Website: www.addvalueinsurance.com
• Registered Office: P-9, LGF, P Block, Malviya Nagar, New Delhi – 110017