Health EMI Network Card

HEMI Health Prime

Terms and Conditions

1. ELIGIBILITY

You need to fulfil the following criteria:

1. Citizen of India;
2. Residing in India; and
3. Attained the age of majority i.e., 18 years of age.

2. INTERPRETATION

• Any references to Teleconsultation (Online Consultation) Benefit, Preventive Health Check-up, Family Wellness Benefit should be read to be included as a part of this Terms and Conditions provided such benefits are included under the welcome kit of the Plan.

3. HOW THE PLAN WORKS/ BENEFITS UNDER THE PLAN

1. Benefits under the Plan comprises of
   • Teleconsultation (Online consultation) Benefit
   • Preventive Health Check-up
   • Family Wellness Benefit
2. Details of the various types of benefits and their utilization:

1. Teleconsultation (Online consultation) Benefit:

Definition: Consult with any doctor of choice listed on the Bajaj Finserv Health platform via video, audio, or chat channel.

Inclusions

• Teleconsultation with doctor of choice listed on the Bajaj Finserv Health platform subject to speciality& frequency of consultation mentioned in the offered Plan.
• This benefit can be availed by all members listed under the Plan.

Exclusions

• Consultation with the doctor is strictly limited to in-app/website video/audio/chat consultation, no in-clinic/physical consultation is allowed.
• Teleconsultation bene?t is not transferrable.
• No carry forward of any un-availed bene?t is allowed, even on re-purchase/renew of the Plan after 1 year.
• Bene?t is not redeemable against cash.

Claim Process

(Mode of Claim – Cashless at Bajaj Finserv health platforms- App and website)

Teleconsultation benefit can be utilized in the following ways:

I. Bajaj Finserv Health App

1. Start by downloading the Bajaj Finserv Health app.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Select tele consult benefit option.
5. Select the doctor of choice from the doctor list.
6. Select the date and time of choice.
7. Submit.
8. The customer will receive the link to join the call 15 mins before the consultation.
9. The doctor will join the call on the scheduled day and time.

II. Bajaj Finserv Health Website

1. Start by visiting bajajfinservhealth.in website.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Select tele consult benefit option.
5. Select the doctor of choice from the doctor list.
6. Select the date and time of choice.
7. Submit.
8. The customer will receive the link to join the call 15 mins before the consultation.
9. The doctor will join the call on the scheduled day and time.

Contact Us

For any queries please contact our customer service on 020-48562555 OR you can write us at customercare@bajajfinservhealth.in.

2. Preventive Health Check-up

Definition: It consists of a pre-defined set of 45+ lab tests aimed to identify and minimize risk factors in addition to detecting illnesses at an early stage.

Inclusions:

• Every Plan year you will have the option to undergo check up for a preventive health check-up package. It will be dependent on the Plan chosen by the customer.
• Only the adults under the Plan are eligible to take the health care tests. The tests will only be available at Bajaj Finserv Health Prime partner hospitals and labs which are getting updated on a regular basis.

Exclusions

• Preventive health check-up package cannot be availed outside the Bajaj Finserv Health Prime network.
• Home collection facility will available only at selected locations. For locations where home sample collection is not available, the customer will have to physically go and take the tests.
• Entire Lab test package will have to be consumed at one instance by any adult included in the Plan and not transferrable to any other member.
• No carry forward of any un-availed bene?t is allowed, even on re-purchase/renew of the Plan after 1 year.
• Bene?t is not redeemable against cash.

Claim Process

(Mode of Claim – Cashless at Prime network only)

Lab test package benefit can be claimed in the following ways:

I. Bajaj Finserv Health App

1. Start by downloading the Bajaj Finserv Health app.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Select Preventive Health Check-up benefit option.
5. Select the hospital/lab of choice.
6. Enter the date of redemption and confirm.
7. SMS with voucher link shared on the registered mobile number.
8. Share the voucher code to avail cashless Preventive Health Check-up benefit.

II. Bajaj Finserv Health Website

1. Start by visiting bajajfinservhealth.in website.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Select Preventive Health Check-up benefit option.
5. Select the hospital/lab of choice.
6. Enter the date of redemption and confirm.
7. SMS with voucher link shared on the registered mobile number.
8. Share the voucher code to avail cashless preventive Health Check-up benefit.

III. Emailing to Customer Service

1. Email to customercare@bajajfinservhealth.in.
2. Mention details like hospital/lab name, customer name, and date.
3. The customer care executive will call to confirm the customer’s identity using OTP.
4. SMS with voucher link shared on the registered mobile number.
5. Share the voucher code to avail cashless preventive health check-up benefit.

3. Family Wellness Benefit

Definition: Family Wellness Benefit is a combined benefit inclusive of OPD Benefit and Lab & radiology benefit.

• Doctor consultation benefit refers to consultation with a doctor with a minimum degree of MBBS, BDS, BAMS, or BHMS up to the benefit amount. In case any specific doctor speciality is offered in the Plan, you can only consult with a doctor of that specific speciality. In case no speciality is mentioned, you can consult any doctor of your choice.
• Lab and radiology benefit refers to the utilization of any pathology or radiology tests up to the benefit amount.

Inclusions:

• Consult with a doctor of your choice up to the benefit amount subject to a minimum degree of MBBS, BDS, BAMS, and BHMS (allopathic, dental, homoeopathic, and ayurvedic dental) subject to the doctor speciality offered in the Plan and submit the invoice for reimbursement. The invoice should clearly state doctor consultation fees, doctor name and speciality, doctor registration number, date of consultation, doctor stamp, and customer details for reimbursement.
• This benefit can be availed by all members listed under the Plan.
• The benefit amount can be claimed in a single visit or spread over multiple visits for doctor consultations to the extent of the value of bene?ts.
• Take any pathology or radiology test of choice from any lab and radiology centre and get it reimbursed up to the benefit amount. Lab or Radiology invoice with the amount, consumption date, and stamp should be clearly visible on the uploaded invoice for approval.
• This benefit can be availed by all members listed under the Plan.
• The benefit amount can be claimed in a single visit or spread over multiple visits for doctor consultations to the extent of the value of bene?ts.

Exclusions:

• Bene?t is not transferrable to anyone else, even to family members, if not covered under the Plan.
• No carry forward of any un-availed bene?t is allowed, even on re-purchase of bene?t after the expiry of 1 year.
• Bene?t is not redeemable against cash.
• Doctor consultation benefit cannot be clubbed with any other benefit.
• Reimbursements will not be made for any diagnostic procedures undertaken by the doctor.
• Bene?t is not transferrable to anyone else, even to family members, if not covered under the Plan.
• No carry forward of any un-availed bene?t is allowed, even on re-purchase of bene?t after the expiry of 1 year.
• Bene?t is not redeemable against cash.
• Lab & Radiology benefit cannot be clubbed with any other benefit.

Claim Process (OPD Benefit)

(Mode of Claim – Cashless at Prime network only)

Doctor consultation cashless benefit can be claimed in the following ways:

I. Bajaj Finserv Health App

1. Start by downloading the Bajaj Finserv Health app.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Click on Wellness benefit.
5. Select doctor consultation benefit option.
6. Select the hospital of choice.
7. Enter the date of redemption and confirm.
8. SMS with voucher link shared on the registered mobile number.
9. Share the voucher code to avail cashless doctor consultation benefit at respective hospital.

II. Bajaj Finserv Health Website

1. Start by visiting bajajfinservhealth.in website.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Click on Wellness benefit.
5. Select doctor consultation benefit option.
6. Select the hospital of choice.
7. Enter the date of redemption and confirm.
8. SMS with voucher link shared on the registered mobile number.
9. Share the voucher code to avail cashless doctor consultation benefit at respective hospital.

III. Emailing to Customer Service

1. Email to customercare@bajajfinservhealth.in.
2. Mention details like hospital name, customer name, and date.
3. The customer care executive will call to confirm the customer’s identity using OTP.
4. SMS with voucher link shared on the registered mobile number.
5. Share the voucher code to avail cashless doctor consultation benefit at respective hospital.

(Mode of claim - Open market reimbursement)

Doctor consultation benefit can be claimed in the following ways:

I. Bajaj Finserv Health App

1. Start by downloading the Bajaj Finserv Health app.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/Plan.
4. Select doctor consultation benefit option.
5. Enter the necessary details and upload the invoice.
6. Share bank account details and upload a cancelled cheque.
7. Submit the claim.
8. The claim will be reimbursed within 48 working hours directly in the bank account.

II. Bajaj Finserv Health Website

1. Sign-up on the Bajaj Finserv Health website.
2. Under my “Health Plans”, select the purchased product/Plan.
3. Click on Wellness benefit.
4. Select doctor consultation benefit option.
5. Enter the necessary details and upload the invoice.
6. Share bank account details and upload a cancelled cheque.
7. Submit the claim.
8. The claim will be reimbursed within 48 working hours directly into the bank account.

III. Emailing to Customer Service

1. Email to customercare@bajajfinservhealth.in.
2. Attach a scanned copy of the invoice with all details clearly visible.
3. Mention details like hospital/clinic name, patient name, and bill amount.
4. Share bank details (account number, bank name, IFSC, primary account holder name) and upload a cancelled cheque.
5. The claim will be reimbursed within 48 hours directly into the bank account.

Claim Process (Lab & Radiology Benefit)

(Mode of claim – Open market Reimbursement)

Lab & Radiology benefit can be claimed in the following ways:

I. Bajaj Finserv Health App

1. Start by downloading the Bajaj Finserv Health app.
2. Sign-up using the registered mobile number.
3. Under my “Health Plans”, select the purchased product/plan.
4. Click on Wellness benefit.
5. Select lab & radiology benefit option.
6. Enter the necessary details and upload the invoice.
7. Share bank account details and upload a cancelled cheque.
8. Submit the claim.
9. The claim will be reimbursed within 48 working hours directly in the bank account.

II. Bajaj Finserv Health Website

1. Sign-up on the Bajaj Finserv Health website.
2. Under my “Health Plans”, select the purchased product/Plan.
3. Select lab & radiology benefit option.
4. Enter the necessary details and upload the invoice.
5. Share bank account details and upload a cancelled cheque.
6. Submit the claim.
7. The claim will be reimbursed within 48 working hours directly into the bank account.

III. Emailing to Customer Service

1. Email to customercare@bajajfinservhealth.in.
2. Attach a scanned copy of the invoice with all details clearly visible.
3. Mention details like hospital/lab name, patient name, and bill amount.
4. Share bank details (account number, bank name, IFSC, primary account holder name) and upload a cancelled cheque.
5. The claim will be reimbursed within 48 hours directly into the bank account.

4. RELATIONSHIP

Neither these Terms and Conditions, nor the relationship created pursuant to these Terms and Conditions, nor any course of dealing between you and BFHL is intended to create, or shall create, an employment relationship, a joint venture, partnership or any similar relationship. You agree that you are not entitled to any of the rights or benefits afforded to BFHL employees.

5. DISCLAIMER OF LIABILITY

You hereby confirm that you understand and agree to the following:

1. BFHL does not provide any medical or diagnostic services. All the services under the Plan are provided by healthcare service providers (which include doctors/hospitals/diagnostic laboratories) as part of the Plan, and BFHL makes no express or implied representations or warranties about the services offered by the doctors/hospitals/diagnostic laboratories (“Service Providers”).
2. BFHL is a mere facilitator between you and the Service Providers. BFHL specifically disclaims all liability arising from the violation/contravention of any of the responsibilities by the Service Provider, including but not limited to deficiency in services provided by the Service Provider. BFHL, its affiliates or its employees will not be liable for any act of negligence, omission or misconduct by the Service Provider.
3. BFHL, in no manner, represents or warrants that Service Providers have adequate licenses or statutory recognition or authority under law to operate as Service Providers. You must conduct your own due diligence before consulting any Service Provider and/or relying/acting on the advice of any Service Provider, and BFHL specifically disclaims all liability resulting from the same.
4. In case of any deficiency/ inadequacy/inaccuracy in the services offered by any Service Provider, you will have to resolve such complaints directly with such Service Provider, and you hereby waive all claims against arising from the same against BFHL.

6. INDEMNITY

You agree to indemnify and hold harmless BFHL, its affiliates, group companies, associates, subsidiaries, holding company of BFHL, associates and subsidiaries of holding company of BFHL officers, directors, employees, consultants, licensors, agents, and representatives from any and all claims, losses, liability, damages, and/or costs (including, but not limited to, reasonable attorney fees and costs) arising from or related to (a) your use of the Plan; (b) your violation of these Terms and Conditions or any applicable law(s); (c) your violation of any rights of another person/ entity, including infringement of their intellectual property rights; or (d) your conduct in connection with the BFHL app /website.

7. LIMITATION OF LIABILITY

By using our Plan, you confirm that you understand and agree to the following:

1. The services availed by you from a healthcare service provider (“HSP”) (which inter alia include doctors/ hospitals/ diagnostic laboratories) via Bajaj Finserv Health are provided to you by the HSP you select, and not by BFHL.
2. BFHL makes no express or implied representations or warranties about its software or services and disclaims any implied warranties, including, but not limited to, warranties or implied warranties of merchantability or fitness/quality for a particular purpose or use or that it does not infringe any rights, including but not limited to any intellectual property rights. We do not authorize anyone to make a warranty on behalf of BFHL.
3. BFHL may or has entered into agreement with various HSPs, engaged in the healthcare services on principal-to-principal basis without any fiduciary relationship and shall not be directly or indirectly responsible for any act or omission of such HSPs. You are requested to make independent enquiries and assessments and rely on professional advice independently obtained before availing any service from any HSP.
4. BFHL only facilitates communications between you and the HSP and bears no responsibility for the quality and outcome of any such services obtained by you from the respective HSP.
5. BFHL does not provide any medical or diagnostic services. If you receive any medical advice from an HSP you have contacted through BFHL, you are responsible for assessing such advice, the consequences of acting on such advice, and all post-consultation follow-up action, including following HSPs instructions.
6. In the event that BFHL markets or promotes any services to you, please note that such services will be provided by the relevant HSP, and you are responsible for undertaking an independent assessment regarding the suitability of such services and such HSPs for your purposes. Marketing or promotion of services should be considered as being for informational purposes only and shall not constitute expert advice on the suitability of such services for your specific healthcare needs.
7. In no event, BFHL or its affiliates shall be liable to you for any special, indirect, incidental, consequential, punitive, reliance, or exemplary damages arising out of or relating to: (i) these Terms and Conditions, Website T&Cs and Privacy Policy; (ii) your use or inability to use the BFHL platforms; (iii) your use of any third-party services including services provided by any HSP you contacted through BFHL.
8. BFHL does not control or endorse the content, messages or information found in any services provided by HSPs and merely acts as an aggregator/facilitator. Therefore, we specifically disclaim any liability with regard to the products and services offered by HSPs and any actions resulting from your participation in such products and services, and you agree that you waive any claims against BFHL relating to same, and to the extent such waiver may be ineffective, you agree to release any claims against BFHL relating to the same.
9. BFHL expressly disclaims any liability arising out of the advertisements, usage or viewing of these products or services advertised on BFHL platforms or the (third party) content made available/hosted on the third-party sites.
10. BFHL takes no responsibility for advertisements or any third-party material posted on the BFHL Platform, nor does it take any responsibility for the products or services provided by advertisers. Any dealings that you have with advertisers while using the services on BFHL platforms, are between you and the advertiser, and you agree that BFHL is not liable for any loss or claim that you may have against an advertiser.

8. RIGHT TO DISQUALIFY

BFHL reserves the right to disqualify you from the benefits of the Plan immediately without giving any prior notice, if any fraudulent activity is identified (actual or suspected) as being carried out by you for the purpose of availing the benefits under the Plan or for any other reason including but not limited to breach of these Terms and Conditions or the Website T&Cs.

There should be no utilization of any benefits under the Plan for claiming refund upon cancellation.

9. MODIFICATION OF THESE TERMS AND CONDITIONS

BFHL reserves the right at any time, to add, alter, withdraw, modify or change or vary any or all the Terms and Conditions of the Plan at its discretion and the same shall be binding on you at all times. BFHL also reserves the right to discontinue the Plan without assigning any reasons or without any prior intimation whatsoever to you.

10. COMPLAINTS

1. In case of any complaints pertaining to the HSP or the services provided by them, please refer to the relevant HSPs website for grievance mechanism or connect with their customer support services for addressing the issue.
2. In case of any queries/assistance, in relation to any booking/reimbursement related issues, please reach out to BFHL on customercare@bajajfinservhealth.in.

11. JURISDICTION

Any dispute relating to the use of our services shall be subject to the exclusive jurisdiction of the Indian courts at Pune, Maharashtra.

12. GENERAL

1. Any term capitalized but not defined under this Terms & Conditions shall be read in conjunction with our Website T&Cs and Privacy Policy. Any personal data whether provided by you while availing services or benefits thereunder, or as a part of the reimbursement process, or collected automatically when you use services under the Plan, will be governed by our Privacy Policy.
2. The benefits provided under the Plan are subject to change at the sole discretion of the BFHL. You are requested to visit the website of BFHL for any update on the revised benefits.
3. The benefits available under this Plan are valid up to 365 days and any form of carry forward of un-utilized benefit is not allowed.
4. You agree and acknowledge that you are solely responsible for the accuracy/authenticity of the payment details provided by you, including but not limited to bank account details and any other information requested during the process of reimbursement and others.
5. You represent and warrant that you have the right to use payment information that you submit. You agree and acknowledge that BFHL shall not be liable/ responsible for any losses whatsoever, whether direct, indirect, incidental or consequential, including without limitation any losses due to delay in processing of payment instruction or any card related fraud.
6. Some clauses under these Terms & Conditions are generic in nature. Please read these Terms & Conditions in conjunction with the welcome kit and the product brochure.
7. You agree and acknowledge that any tax benefit under Section 80 C of the Income Tax Act, 1961 or Section 80 D of the Income Tax Act, 1961 (whichever applicable), will be capped at the deduction claimable under the applicable provisions of the Income Tax Act, 1961. Tax Benefits are liable to change due to changes in legislations or government notifications. For any tax related queries, please consult your tax advisor.
8. You agree and understand that we may share the data (including personal data) that you share with us with our partners for fulfilment of your benefits under the Plan.
9. You agree and acknowledge that for claiming reimbursement under the Plan (if applicable), you shall be required to submit the following documents (“Reimbursement Documents”)-
   1. In case of medical consultation- Prescription and invoice of such consultation;
   2. In case of lab, radiology, pathology or any other type of test- Invoice and report of such test; and
   3. Any other documentation (apart from the ones specified above) that may be required by BFHL.
10. Please note that the reimbursement mechanism under this Plan is subject to change at the sole discretion of BFHL. For any revised reimbursement policy (including but not limited to documentation requirement), please refer to our website/app.
11. Please note that we shall retain the Reimbursement Documents provided by you for compliance with applicable law.

COMMERCIAL CUM MOST IMPORTANT MOST IMPORTANT TERMS & CONDITIONS

I. CUSTOMER’S REPRESENTATIONS:

I hereby state, confirm, and agree as under:

1. I have applied for Health Existing Member Identification Card (hereinafter referred as “Health Existing Member Identification Card”), from Bajaj Finance Limited (“BFL”).
2. I hereby unconditionally acknowledge and accept that:
   1. The Health Existing Member Identification Card may be issued by BFL either in Electronic or Physical form.
   2. All particulars, information and details provided by me in relation to my application are true, correct and up to date and that I have not withheld any material information and I am obliged to keep BFL immediately updated of any change in the information provided by me in the Application Form.
   3. I shall submit all documents including KYC documents in such form and manner as may be required by BFL in relation to my Application Form and agree that:
      1. CKYC Consent:
         1. I hereby authorize BFL to verify/check/obtain/download/ upload/update/retrieve/receieve my KYC details from/with the CKYC Registry: (a) by verifying such details through the CKYC number (i.e., KYC Identifier Number- KIN) provided by me or (b) by obtaining such CKYC number/KIN, through details shared by me for the Application Form.
         2. I hereby consent for receiving information from Central KYC Registry and BFL through SMS/Email on the above registered number/email address.
      2. Aadhaar paperless Offline e-KYC Verification Specific Consent (OKYC):
         1. I hereby voluntarily consent and opt for, at my own discretion, to share the XML file containing my Aadhaar information to BFL/ its service providers and CIDR/UIDAI, for the purpose of establishing my identity and verification of the same under UIDAI guidelines or under any applicable law, as may be amended from time to time. Pursuant to the same, I hereby also expressly declare that I have been informed by BFL that:
         2. My XML file containing my Aadhaar details will be used for KYC (Know Your Customer) documentation, verification and due diligence, as permitted under applicable law for:
            • Availing financial facilities/ services from BFL immediately and/or in future, or
            • Cmmencement of any other relationships/ arrangement with BFL immediately and/or in future.
         3. During offline verification process, my information such as Name, Photo, Date of Birth, Email ID, Mobile Number, Age, Gender, and current address may be verified by BFL basis the Aadhaar details shared by CIDR/UIDAI,
         4. I shall share the Share Code or confirm on the auto populated share code, as the case may be, for successful XML file download and upload as contemplated under applicable law to complete my offline KYC process by verification of Aadhaar details,
         5. Identification through Aadhaar using Aadhaar paperless Offline e-KYC Verification is not mandatory and there are alternative options for completing my KYC process such as performing physical KYC by Submission of self-attested certified copies of officially valid documents in person, CKYC and V-CIP.
         6. I may be required to submit any other officially valid document (OVD)/ deemed to be OVD (DOVD) in place of Aadhaar;
         7. I further understand and acknowledge that the records and audit trail of the Aadhaar Offline identification and verification process may be used by BFL for evidentiary purposes, including for submission before courts/tribunals/mediators/ arbitrators or to any statutory or regulatory authority and I hereby expressly consent to the same;
      3. KYC through Video based Customer Identification Process (VCIP):

         If I opt for VCIP Mode, I hereby agree and acknowledge/authorise:

         1. That video-based KYC validation (“Video KYC process”) has been provided as an alternate method for establishing my identity with BFL
         2. That my KYC process will be completed by BFL, through Video KYC process, in accordance with the Master Direction-Know Your Customer (KYC) Direction, 2016, issued by Reserve Bank of India (“RBI”) as amended from time to time.
         3. All particulars, information and details to be provided by me in relation to this Video KYC process represent the true, correct and up to date information of myself in all respects.
         4. That Video KYC process shall include but shall not be limited to the following steps concluded by authorised officer of BFL:
            1. Capturing live photograph of the customer, along with live GPS co-ordinates (geo-tagging) of the customer undertaking the V-CIP and date time- stamp where such live photograph is being taken;
            2. Capturing clear image of Permanent Account Number (PAN) card. However, if Aadhaar card is permitted to be accepted as a documentary proof under law/regulation, the same will be obtained as contemplated under the prevalent law/regulation
            3. The PAN details will be verified from the verification facility of the issuing authority.
            4. Video recording of the interaction (for concluding Video KYC) will be stored by BFL in accordance with applicable law/regulation.
         5. I will be required to submit other officially valid document (OVD) / deemed to be OVD’s or such other documents as may be requested by BFL, as part of this Video KYC process;
         6. To have provided my express consent to BFL for verifying any or all the details/documents so provided by me.
         7. To complete the Video KYC process in full within the prescribed time and in case if I fail to complete the same for any reason whatsoever BFL shall have sole and absolute discretion to reject my loan/product application(s) and/or discontinue the service(s)/product(s) for which such KYC is mandated.
         8. That in case where KYC documents/details submitted by me during Video KYC process does not match with or if there are any discrepancy found therein after validation thereof with the original KYC documents/details updated by me, BFL shall have sole and exclusive right to reject my loan/product application(s) and/or discontinue the service(s)/product(s) for which such KYC is mandated.
         9. That if my Video KYC process could not be completed or if during the said process if I dropped midway due to technical, systematic or server errors/issues or other operational issues in that case I may be permitted to complete Video KYC process or I may be required to complete my KYC compliance by undertaking physical KYC validation process, by BFL and I undertake to complete the same and/or submit physical KYC.
         10. That, BFL does not guarantee continuous accessibility of the applications and shall not be held liable or responsible in any manner whatsoever in respect of any loss, damage that may be incurred by me due to any reasons (including but not limited to technical, systematic or server errors/issues, or any other issue occurred while undertaking Video KYC process and/or for reasons which are beyond reasonable control of the BFL).
   4. I hereby confirm that all the information and details including but not limited to financials/bank statements, KYC details provided/to be provided by me pursuant in support of my application or to be shared with any third party, including the Central KYC Registry, are true, correct and up-to-date. I have not withheld any material information that may be required by BFL. I undertake to immediately keep BFL updated of any change in the information provided by me, specifically KYC/CKYC details, Bank details, change of my address/co-ordinates etc. and in case any of the above information is found to be false or untrue or misleading or misrepresenting, I am aware that I shall be held liable for the same and I will not hold BFL liable for any consequences that may arise owing to any delay/lapse on the my part.
   5. I authorize BFL to use my existing details and KYC documents/data for KYC compliance, if any, for this application and in case of any changes in my registered KYC or bank account details, I shall update about the same & submit the updated KYC to BFL.
   6. I shall submit any/all documents, in such form and manner as may be required by BFL in relation to my application, including but not limited to details as may be required for completion of my KYC requirement by BFL. Further in case of any changes in my registered KYC or bank account details, I will promptly update such changes to with BFL.
   7. I shall make payment of applicable fee and/or charges as specified by BFL with respect to the Health Existing Member Identification  Card as more specifically detailed under Annexure I, below or such other/modified fee/charges as provided on BFL’s https://www.bajajfinserv.in/all-fees-and-charges
   8. I understand that the aforesaid fees and/or charges are subject to changes and are non-refundable and non-transferable.
   9. BFL has the sole and absolute discretion, without assigning any reasons to accept or reject my application for availing the Health EMI Card.
   10. I have read and understood the Master Terms and Conditions applicable to Loans for Consumer Durable, Digital, Life style products, Life care products/ service & Existing Member Identification  Cards (“Master Terms”) prescribed by BFL and available on website: https://www.bajajfinserv.in/ consumer-durables_master_t-and-c_english.pdf and understand the applicability of the same for issuance and usage of Health Existing Member Identification  Card at Selected Business Associates as defined herein below and hereby agree to be bound by the same at all times including any additions/amendments thereto from time to time.  I shall keep myself updated of any revisions in the Master Terms as may be communicated by BFL through any acceptable means of communications (as defined in the Master Terms).
   11. No insolvency proceeding or suit for recovery of outstanding dues or monies and or any criminal proceedings, have been initiated and/or are pending against me and that I have never been adjudicated insolvent by court or any other authority. I have not taken any action and no other steps have been taken or legal proceeding started by or against me in any court of law and/or in any other authority for appointment of a receiver, administrator, administrative receiver, Insolvency professional, similar officer with respect to any of my assets.
   12. I shall keep my credentials including the login id and password/PIN issued by BFL and/or reset by me (“Credential”) as confidential and not to share the same with any person/third party. Any use or misuse of the credentials including the transactions carried out using the credentials shall be at my sole risk & responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such use or misuse.
3. I authorize BFL:
   1. To exchange, share or part with all information relating to this application to credit bureaus/credit reference agencies, its group companies, financial institutions, Credit Information Companies (‘CIC’), NeSL, NSDL, Central KYC Registry (CERSAI) or any authorized third-party agency as BFL may deem necessary or appropriate for use or processing of the said information and shall not hold BFL (or any of its group companies or its/ their agents/representatives) liable for the use/sharing of the information as stated above.
   2. To seek/obtain any other information, relating to me, from any third party.
   3. To procure/avail my credit information report from CICs including CIBIL report and provide it to me by deducting applicable charges for the same.
   4. To share certain information related to Health Existing Member Identification Card, which may include my KYC and transaction details with its business associates (subject to confidentiality restrictions) for integrating the Health Existing Member Identification Card usage on such business associate’s website/ wallet, etc. as may be required for facilitating my use of Health Existing Member Identification Card.
4. If I opt to pay Health Existing Member Identification Card Fees through ECS/NACH mandate given by me in favour of BFL, I hereby provide my consent to debit my bank account registered with BFL for making such payment
5. I hereby expressly consent for paying a Loan Enhancement Fee, in case where BFL allows to approve the Loan transaction amount over and above my Health Existing Member Identification Card loan limit, as per its internal risk/credit policies and at its sole and absolute discretion. It is hereby clarified that payment of such fee would not enhance my overall Health Existing Member Identification Card loan limit. Further, I agree that payment of such fee would be added to the first EMI/monthly instalment of my Loan transaction.
6. The details provided in my Application for Health Existing Member Identification Card, together with all its contents, KYC documents, etc, may be submitted to:
   1. The subsidiaries and affiliates of BFL, any service provider/third party with reference to rendering services in connection with the product(s) availed by me and/or for promoting/marketing various products and services;
   2. to any Regulator, Court, Law enforcement agency, Quasi-judicial authority etc. on a need-to-need basis.
7. I hereby authorize group companies, affiliates and/or business associates of BFL and their respective representatives to send me communications regarding loans, insurance and their respective products and/or services (Collectively “Other Products”) through telephone calls/SMSs/emails/post/WhatsApp/bot/bitly, etc. including but not limited to promotional communications. I agree and understand that such Other Products if availed, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt to withdraw my consent to receive any telecommunication.

II. HEALTH EXISTING MEMBER IDENTIFICATION CARD TERMS

1. The Health Existing Member Identification Card is an Existing Membership Identification number used for authentication and is neither a credit card nor a stored value card.
2. The Health Existing Member Identification Card can be used for availing loans only at limited Life Care Counters (LCF) including Multi Specialty Hospitals (MSH), Non-MSH and diagnostic centres and such other counters for eligible treatments as may be decided by BFL at its sole discretion (“Selected Business Associates”). Updated list of Selected Business Associates, eligible treatments and benefits can be accessed through https://www.bajajfinserv.in/emi-network-multispeciality. This Health Existing Member Identification Card cannot be used for purchase on e-Commerce platforms and of retail (apparel, footwear, small appliances, travel, coaching classes, hotels, eyewear, accessories etc.), consumer durables, digital, lifestyle products, etc.
3. The Personal Guard Individual Accident Policy up to an amount of Rs.1,00,000 will be issued by M/s. Bajaj Allianz General Insurance Company (“BAGIC”) which will be valid for a period of one year from the date of issuance of the Health Existing Member Identification Card. The Terms and Condition as may be prescribed by BAGIC shall be applicable to the said Personal Accident Insurance Policy. Such Terms and Conditions as listed on BAGIC website: https://www.bajajallianz.com/features/car-insurance/personal-accident-cover.html shall be in addition and not in derogation of the Terms and Conditions mentioned herein. Any claims pertaining to the said Personal Guard Individual Accident Policy issued by BAGIC shall be directly taken up with BAGIC.
4. BFL may at any time, at its full discretion and without assigning any reason, decide to withdraw the Health Existing Member Identification Card service and/ or terminate any specific Health Existing Member Identification Card or reduce/cancel the loan limit assigned. Further BFL will have no liability to the Health Existing Member Identification Cardholder or any other person in this regard in any manner whatsoever. In the event of termination of Health Existing Member Identification Card/ withdrawal of Health Existing Member Identification Card services, the Personal Guard Individual Accident Policy or any other facility provided with Health Existing Member Identification Card services shall be immediately terminated.
5. For each valid transaction initiated and approved by the BFL on the Health Existing Member Identification Card, a new Loan account will be created by BFL, provided that BFL may at its sole discretion reject such transaction initiated through the Health Existing Member Identification Card. Further BFL may require additional documentations from the Customer for approving the said loan transaction.
6. BFL is not an issuer/provider of the third-party products purchased/services availed by me on Loan through the Health Existing Member Identification Card. The Selected Business Associates may run different offers for Health Existing Member Identification Card Customers. Such offers shall be subject to specific terms and conditions of such offers, which shall be in addition to the terms and conditions mentioned herein. Accordingly, BFL shall not be responsible for the quality or any assurances and/or representations made in relation to such products/services/offers provided by third parties. Further, BFL shall not be liable for any delay in delivery or no-delivery of product and Services and/or with respect to the quantity, quality, conditions, fitness, suitability or otherwise whatsoever of the product/services.
7. I acknowledge that, Health Existing Member Identification Card is NOT a payment instrument and NOT assignable to any person. I hold myself responsible for any use/misuse of the Health Existing Member Identification Card, and I shall be jointly and severally responsible for any liability that is incurred through such usage.
8. In the event of an unauthorized access to or use of Health Existing Member Identification Card, Health Existing Member Identification Cardholder shall immediately inform BFL and call or write to BFL’s Customer and request for blocking the Health Existing Member Identification Card.
9. BFL Customer Care Contact details:
   • For any grievances/queries, Customers can write to BFL at wecare@bajajfinserv.in or Customer can reach to BFL through https://www.bajajfinserv.in/reach-us
   • Health Existing Member Identification Cardholders may also call BFL Customer Care for any grievances/queries related to Health Existing Member Identification Card at 8698010101. This is not a toll-free number and normal call charges will be applicable.

III. CARD USAGE-:

1. The usage of Health Existing Member Identification Card at Selected Business Associates is subject to the terms and conditions mentioned in my Application and Master Terms accessible on https://www.bajajfinserv.in/emi-network-health-emi-card#1500928803164 as may be amended by BFL from time to time.
2. By using the Health Existing Member Identification Card, the customer may engage in the following transactions:
   1. to avail loan to pay their medical expenses on easy EMIs.
   2. enquire about the loan limit for availing loan for the eligible treatments at the Selected Business Associates as aforesaid.
   3. use it for identification/authentication of the Existing Bajaj Member.
3. To avail Loan for the treatment at Selected Business Associates, Health Existing Member Identification Card holder will need to follow the below mentioned procedure:
   1. share Health Existing Member Identification Card number or registered mobile number, at Merchant Counter or BFL’s branches or online platform online platform of BFL itself or of BFL partners.
   2. enter his/her specific number code/PIN or One Time Password (collectively “Transaction Code”) received on the registered mobile number and/or the registered email id of the customer.
4. Once the Customer identity is authenticated, the Health Existing Member Identification  Card holder will receive a SMS providing the Commercial Terms of the proposed Loan being offered (“Transaction SMS”) The customer shall convey his/her acceptance to the terms and conditions provided in the Transaction SMS by providing Transaction Code to BFL’s representative at the Selected Business Associates, Merchant counter or  BFL branch or  online platform of BFL itself or of BFL partners, as the case may be .
5. BFL would charge convenience fee and / or processing fees at its sole discretion on the Loan availed by customer using Health Existing Member Identification Card as amended from time to time and which will be communicated to the Customer through the Acceptable Means of Communication and shall be binding on the Customer.
6. The customer has given or shall give NACH mandate or any other Electronic Payment Instrument in favour of BFL covering all the Outstanding dues including fees, penalties, cost and other applicable charges in connection with any Loan availed. Further Customer shall forthwith issue fresh NACH/ mandate or Electronic Payment Instructions in favour of BFL, if there is any revision in his/her repayment schedule/ EMI.
7. Notwithstanding payment of instant activation fee by the Customer, this Health Existing Member Identification Card cannot be used at the Selected Business Associates as aforesaid, for availing the services as stipulated herein until successful registration of the NACH mandate/ Electronic Payment Instructions in favour of BFL, in such form and manner as may be acceptable to BFL.
8. BFL may at its sole and absolute discretion reject any Loan transaction/authorization initiated through Health Existing Member Identification Card by the Customer, for reasons including but not limited to:
   1. On the basis of BFL’s internal policies (i.e risk policies).
   2. On expiry/block of the Existing Member Identification Card.
   3. breach of NACH mandate/Electronic Payment Instrument repayment limit.
   4. breach of terms and conditions as specific under this Application Form or under the Master Terms.

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