Terms and Conditions

Welcome to Prime Care Associates. These Terms & Conditions govern your use of our website and insurance advisory services. By accessing this website, submitting inquiries, or requesting consultations, you agree to comply with these Terms & Conditions.

Prime Care Associates provides insurance advisory and consultation services to help individuals and families understand and select suitable Life Insurance and Health Insurance products.

We work with trusted insurance providers, including:

• Tata AIA Life Insurance
• Niva Bupa Health Insurance

Prime Care Associates acts as an insurance advisor and facilitator. Policy issuance, underwriting decisions, premium calculations, and claim settlements are solely handled by the respective insurance companies.

To purchase insurance products through our advisory services, you must:

• Be at least 18 years of age.
• Provide accurate and complete information.
• Meet the eligibility requirements established by the respective insurance company.

Any insurance premium quotations, illustrations, or benefit summaries provided through our website or consultations are for informational purposes only.

Final premiums, benefits, exclusions, and policy terms are determined by the respective insurance provider after reviewing the applicant’s information.

Submitting an inquiry or application through Prime Care Associates does not guarantee policy approval.

All applications are subject to:

• Underwriting review
• Medical evaluation (if required)
• Documentation verification
• Insurance company approval

The final decision regarding acceptance or rejection of an application rests solely with the insurance company.

You agree to provide accurate, complete, and truthful information when submitting forms on our website.

Providing false, misleading, or incomplete information may affect your eligibility for insurance coverage and may result in application rejection by the insurance provider.

Information submitted through our website may be used for:

• Insurance consultations
• Policy quotations
• Customer support
• Policy servicing assistance
• Renewal reminders

Your information may be shared with authorized representatives of Tata AIA Life Insurance, Niva Bupa Health Insurance, or other relevant service providers strictly for insurance-related purposes.

Our website may contain links to third-party websites, including insurance providers.

Prime Care Associates is not responsible for the content, privacy practices, or services offered by third-party websites.

Prime Care Associates may provide guidance and support during the claims process.

However:

• Claim approval decisions are made solely by the insurance company.
• We cannot guarantee claim acceptance or settlement.
• Claim settlements are governed by the insurer’s policy terms and conditions.

All content on this website, including logos, text, graphics, and design elements, is the property of Prime Care Associates unless otherwise stated.

Unauthorized reproduction, distribution, or use of website content is prohibited.

Prime Care Associates provides information and advisory services in good faith.

We shall not be liable for:

• Policy issuance decisions
• Claim rejections
• Premium changes
• Coverage limitations
• Financial losses arising from insurer decisions

Users are encouraged to review all policy documents carefully before purchasing insurance products.

Insurance is subject to terms, conditions, exclusions, waiting periods, and underwriting guidelines established by the respective insurance company.

Please read all policy documents carefully before making any purchase decisions.

Prime Care Associates reserves the right to modify these Terms & Conditions at any time without prior notice.

Updated versions will be published on this website and become effective immediately upon posting.

These Terms & Conditions shall be governed by the laws of India.

Any disputes arising from the use of this website shall be subject to the jurisdiction of the competent courts in India.