Terms & Conditions

Last updated: 12 October 2026

1. Acceptance

By using this website or submitting an enquiry, you agree to these terms. If you do not agree, please do not use the website or its forms.

2. What this website is

This website provides information about insurance and about CoverBima’s assistance and consultation services. It is not a marketplace and does not process payments for insurance products. Insurance products are issued by the respective insurance companies, and all cover is subject to their policy terms and conditions.

3. No insurance advice, no guarantee

Information on this website, including answers given by the chat assistant, is general information only and is not insurance, legal, tax or financial advice for your specific circumstances. CoverBima is not the insurer and is not a party to your insurance contract. Claim assessment, admissibility, approval and settlement rest solely with the applicable insurer as per the policy terms. CoverBima does not guarantee claim approval or settlement.

4. Your responsibilities

• Provide accurate and complete information in forms, chats and consultations.
• Disclose all material facts to the insurer at proposal stage — non-disclosure can result in a claim being declined.
• Do not misuse the website, attempt to disrupt it, or submit unlawful or misleading content.
• Do not share passwords, one-time passwords, card details or original documents through this website.

5. Chat assistant

The assistant answers from a fixed knowledge base maintained by CoverBima and may not reflect the latest changes in a specific insurer’s policy wording or in applicable regulations. Answers are indicative only and should be verified against your policy and with the insurer. Registration details are handled as described in the Privacy Policy.

6. Fees

The initial consultation for individual and family requirements is free. For commercial or business engagements where the scope is larger, any applicable engagement terms are confirmed in writing before work begins.

7. Third-party content and links

Any references to insurers, products or third-party websites are for information only and do not constitute a recommendation or endorsement. We are not responsible for third-party content.

8. Limitation of liability

To the extent permitted by law, CoverBima is not liable for any indirect or consequential loss arising from use of this website or reliance on general information provided on it. Nothing in these terms excludes liability that cannot be excluded under applicable law.

9. Intellectual property

The content, layout and marks on this website belong to CoverBima or are used with permission, and may not be reproduced commercially without written consent.

10. Governing law

These terms are governed by the laws of India, and the courts at [city], India, will have jurisdiction, subject to any statutory rights you may have.

11. Grievances

Write to contact@coverbima.com with your name, contact number and the matter, and it will be reviewed. For matters concerning an insurance policy or claim, the insurer’s grievance redressal channel and, where applicable, the Insurance Ombudsman are the appropriate forums.