Jio Insurance Broking Limited (“JIBL”) is a Direct Insurance Broker (Life & General) registered with the Insurance Regulatory and Development Authority of India ("IRDAI") under Registration No. 347, valid until 11/03/2028. JIBL also holds an Insurance Self-Network Platform (“ISNP”) license issued by IRDAI to operate its online insurance platform.

JIBL acts solely on behalf of customers and is not an agent, corporate agent, or representative of any insurer. All insurance products offered through its Platform (https://jioinsure.in/ or the JioFinance App) are underwritten by respective insurers.

JIBL facilitates the purchase and premium collection process but has no control over underwriting, issuance, or claim decisions—these are solely at the discretion of the insurer. JIBL does not endorse, rate, or recommend any specific insurance product or insurer. The information provided is solely for general informational purposes.

Purchasing insurance is completely voluntary and is not tied to any other service offered by JIBL or its affiliates. Product information displayed is based on data received directly from insurers and may be subject to change without prior notice. While JIBL strives for accuracy, it does not guarantee the completeness or timeliness of such information and disclaims all liability for decisions made based on this data.

JIBL does not underwrite insurance or guarantee returns. Customers are advised to read all policy documents—including sales brochures, customer information sheets, and policy wordings—before making a purchase. Insurance is subject to market risk and policy-specific terms and conditions.

Product-specific Disclaimers:

• Life Insurance: Benefits payable under life insurance policies are subject to terms and conditions including exclusions such as suicide within one year of policy inception, and misstatement of facts.
• Health Insurance: Coverage is subject to exclusions like pre-existing conditions (waiting periods apply), cosmetic surgeries, and treatments not medically necessary. Sub-limits and co-payments may apply.
• Motor Insurance: Claims may be denied due to driving under the influence of alcohol or drugs, using the vehicle for unlawful activities, or driving without a valid license. Voluntary and compulsory deductibles apply.
• Accident Insurance: Excludes self-inflicted injuries, injuries while under the influence of alcohol/drugs, or injuries sustained while committing a criminal act. Policy benefits are as per the terms and conditions of the plan.

Discounts:

All discounts, if any, are provided solely by the respective insurers as per their underwriting and pricing policies. JIBL, in its capacity as a registered insurance broker, does not provide or influence any discounts, nor does it endorse or promote any specific insurance product or insurer.

• Car and Bike Insurance: Discounts apply exclusively to the Own Damage Premium component. The final discount amount may vary depending on vehicle specifications, No Claim Bonus ("NCB") eligibility, insurer-specific criteria, and the registered geographical location of the vehicle.
• Term Insurance: A discount of up to 15% may be available on select term products. This comprises a 10% discount for online purchases and an additional 5% discount for salaried individuals. These discounts are subject to underwriting and insurer discretion.
• Use of the Term “Popular”: The term “Popular” is used for products that feature exclusive offerings from insurers or exhibit competitive pricing based on publicly available data and market trends. It does not imply IRDAI approval, endorsement, or recommendation.

For more details on rights, duties and claim processes, visit: www.policyholder.gov.in

JIBL, its employees, and partners are not liable for any loss or damage arising from reliance on information provided. Use of the platform is entirely at the customer’s discretion and risk.

All content is provided in good faith and for general informational purposes. JIBL respects intellectual property rights and any inadvertent issues will be rectified if brought to attention.

JIBL is not responsible for claim acceptance or rejection, which lies solely with the insurer. Customers are responsible for the authenticity of documents uploaded on the platform.

Commission or remuneration received by JIBL complies with IRDAI regulations. For more details, visit:https://irdai.gov.in/document-detail?documentId=3230806

Tax benefits, if any, are as per current laws and subject to change. Customers should consult an independent tax advisor. Under Section 41 of the Insurance Act, 1938, no person is permitted to offer or accept any rebate not officially allowed by the insurer. Violation may attract penalties.

JIBL does not engage in any form of inducement, coercion, or misrepresentation to solicit insurance business. Customers are encouraged to make informed decisions based solely on their needs and understanding of the policy features, risks, and exclusions.

JIBL has no influence over the pricing, terms, or features of the insurance products, which are entirely determined by the respective insurers.

Customers have a duty of disclosure and must reveal all relevant information while applying for, renewing, or modifying insurance. Misrepresentation or non-disclosure may result in claim denial or cancellation of the policy.

All insurance contracts are based on the principle of utmost good faith. Failure to comply may affect the validity of coverage. By using our platform, you consent to the collection, use, and sharing of your personal information with insurers and third-party service providers for the purpose of providing insurance products and services, in accordance with applicable laws and our privacy policy. Information shared by you may be disclosed to insurers and relevant service providers to process your insurance proposal and render associated services.

For any grievances or complaints, please contact us at customer.support@jioinsure.in or call us at 1800889873. We are committed to resolving your concerns promptly and in accordance with IRDAI’s grievance redressal guidelines.

As per IRDAI regulations, you are entitled to a free look period of [15/30] days from the date of receipt of the policy document to review the terms and conditions. If you disagree with any of the terms, you may cancel the policy within this period and receive a refund, subject to deductions as per the policy terms.

Our platform may contain links to third-party websites or content. JIBL does not endorse or assume any responsibility for the accuracy or reliability of such external resources.

By providing your contact information, you authorize JIBL to communicate with you via phone calls, SMS, emails, or other modes regarding insurance products and services, notwithstanding your registration with the National Do Not Call ("NDNC") registry.

Fraud Alert: IRDAI does not sell insurance policies or announce bonuses. Customers are advised not to fall prey to fictitious offers and to report suspicious communications to the concerned authorities or to law enforcement agencies.

Terms and conditions of Health insurance with upto 15% off

Campaign Overview This Campaign (“Offer”) is brought to you by Jio Insurance Broking Limited (“JIBL”), an IRDAI-licensed Direct Insurance Broker (Life & General), on the occasion of Mother’s Day. Under this limited-period offer, customers may avail up to 15% discount on select health insurance policies, as offered by participating insurance companies.

Campaign Period The Offer is valid from 9th May 2025 to 15th May 2025, unless withdrawn earlier at the sole discretion of JIBL.

Eligibility Criteria

• The Offer is open to individuals aged 18 years and above who purchase a qualifying health insurance policy via JIBL’s official platform (website/mobile app) during the Campaign Period.
• The offer is applicable only on select health insurance products from participating insurance companies.
• Discount is subject to underwriting approval by the respective insurance company.

Details of the Discount

• Upto 15% discount is provided by the participating insurer(s) on the base premium of the health insurance policy.
• The discount is applicable only on new policy purchases, not on renewals or porting of policies.
• Taxes and levies, if any, shall be charged as applicable on the discounted premium.
• JIBL does not offer any discounts or rebates directly; all discounts are offered by the insurer as part of their filed and approved product pricing.

Disclaimers

• Insurance is the subject matter of solicitation.
• JIBL is acting as a broker and not as an insurer. The underwriting, acceptance, and issuance of policies rest solely with the insurance company.
• Participation in this offer does not guarantee issuance of a policy. The decision to issue a policy lies solely with the insurer.
• Please read the policy wording and brochures of the respective product carefully before buying.
• The benefits, features, and terms of the insurance policies are governed by the product brochures and policy documents issued by the insurer.
• JIBL does not underwrite or assume any risk of the insurance products.

Limitation of Liability JIBL shall not be liable for any loss, damage, or claim arising out of or in connection with the use of the discount offer or the purchase of any insurance policy under this Campaign.

Governing Law and Jurisdiction These Terms and Conditions are governed by the laws of India. All disputes shall be subject to the exclusive jurisdiction of the courts of Mumbai, India.

Right to Modify or Withdraw Offer JIBL reserves the right to modify, suspend, or discontinue the Offer and/or these Terms at any time without prior notice.

Contact Details For any queries related to the Campaign, please write to us at customer.care@jioinsure.in.