Terms of Use & Disclaimer

Last updated: 29 June 2026 · Effective date: [EFFECTIVE DATE]

Draft for review. Replace every [BRACKETED] item with your real details, and have these terms reviewed by a qualified professional before publishing.

These Terms of Use ("Terms") govern your use of the PolicyMatch website operated by [BUSINESS / ADVISOR NAME] ("PolicyMatch", "we", "us"). By using this website, you agree to these Terms. If you do not agree, please do not use the site.

Insurance is the subject matter of solicitation. PolicyMatch is an advisor-led comparison service. We do not underwrite insurance and we do not sell policies directly on this website. Final terms, eligibility, and premiums are confirmed by a licensed advisor and the insurer at the time of sale.

1. What PolicyMatch is

PolicyMatch helps you compare health-insurance policies available in Kerala in plain language, and connects you with a licensed insurance advisor who can guide you and help you obtain a policy. We are an independent comparison and advisory facilitation service. We are not an insurance company, and we are not affiliated with or endorsed by any insurer named on this site.

2. Advisor licensing

Insurance solicitation and sale are carried out by a licensed advisor [ADVISOR NAME], registered with the Insurance Regulatory and Development Authority of India (IRDAI) under registration / POSP number [IRDAI REGISTRATION / POSP NUMBER]. The advisor may represent one or more insurers as permitted by IRDAI regulations.

3. Information is indicative, not an offer

The policies, features, waiting periods, and benefits shown are summaries prepared from insurers' Customer Information Sheets (CIS) and the IRDAI Master Circular on Health Insurance (2024). They are for general guidance only.
Premiums displayed are indicative estimates. Your actual premium depends on the insurer's underwriting and is confirmed before you buy.
Nothing on this site is an offer to sell or a guarantee that any policy will be issued to you.
Eligibility, acceptance of pre-existing conditions, and all claim decisions rest solely with the insurer under the policy wording.

4. Accuracy & the authoritative source

We take care to keep policy facts accurate, but products change and summaries may contain errors or become out of date. The insurer's official policy wording and Customer Information Sheet are the authoritative documents. Always verify details with the advisor and the insurer before making a decision. To the extent permitted by law, we are not liable for decisions made solely on the basis of information shown here.

5. Not financial or medical advice

PolicyMatch provides general information and comparison tools. It does not constitute personalised financial, tax, legal, or medical advice. You are responsible for assessing whether a policy suits your needs, and you should seek independent professional advice where appropriate.

6. Your responsibilities

Provide accurate and complete information. Incorrect details (such as age, conditions, or family members) can lead to wrong matches, loaded premiums, or claim rejection by the insurer.
Use the site only for lawful, personal, non-commercial purposes.
Do not attempt to disrupt, copy, scrape, or misuse the site or its data.

7. Contact & WhatsApp

When you ask to "Talk to an expert", you consent to a licensed advisor contacting you, including via phone or WhatsApp, about health-insurance options. Messages sent through WhatsApp are also subject to WhatsApp's own terms. How we handle your data is described in our Privacy Policy.

8. Third-party names & links

Insurer names, plan names, and logos are the trademarks of their respective owners and are used only to identify their products for comparison. Any third-party links are provided for convenience; we are not responsible for external sites' content or practices.

9. Limitation of liability

The site is provided "as is" without warranties of any kind. To the maximum extent permitted by law, PolicyMatch is not liable for any indirect, incidental, or consequential loss arising from your use of the site or reliance on its information. Nothing in these Terms limits any liability that cannot be excluded under applicable law.

10. Changes

We may update these Terms from time to time. The "Last updated" date shows when they last changed. Continued use of the site after changes means you accept the updated Terms.

11. Governing law

These Terms are governed by the laws of India. Subject to applicable law, the courts at [JURISDICTION CITY], Kerala shall have jurisdiction.

12. Contact

Entity: [BUSINESS / ADVISOR NAME]
Email: [CONTACT EMAIL]
Phone: [CONTACT PHONE]
Address: [REGISTERED ADDRESS]