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Miscellanous > Terms and Conditions > Privacy Policy
Apollo Munich Health Insurance Company Limited
This Privacy Statement covers the Website www.apollomunichinsurance.com ("Website"). Because this web site wants to show you its commitment towards your privacy, it has agreed to disclose its privacy practices.
We value and respect your right to privacy. In the process of your visit to the Website and operating the WebSite, we may become aware of information relating to you, including session information, contact information, financial information, information that is of a personal, confidential nature, etc. ("Information"). We are strongly committed to protecting your privacy online and have taken steps to protect Information.
If you are a Customer (as defined in the Website General Terms and Conditions, hereinafter "Terms"), to aid us in protecting your Information and privacy, you should maintain secrecy of your login ID and password, if any, provided to you in connection with your account with www.apollomunichinsurance.com.
Collecting your personal information

Apollo Munich Health may collect Information when you:

  • Access or browse the Website.
  • Request information from Apollo Munich Health 's Web site.
  • Use online tools and calculators.
  • Apply online for products.
  • Subscribe to online services.
  • Complete an online quiz, questionnaire, survey, form, etc.
  • Conduct transactions online.
  • Apply for a job online.

We collect “contact information” such as your name, address, and email address and other details as given in the registration page of our website. If you purchase a policy from us we will collect “financial information” such as credit card number and expiration date through the payment gateway of the credit- card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the financial information. We also collect information such as beneficiary name, address and your relationship to the beneficiary when you buy a policy from us. This is required to maintain a record of your beneficiary details for your insurance with us.

Use of your personal information

We will use the Information primarily for the following purposes:

  • Allow you to access specific account information
  • Providing customization: We may use the information provided by you to customize your visit to the Web Site by displaying appropriate content at our judgment and discretion
  • To send you information about products and services offered by Apollo Munich Health and its Affiliates (In the event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you.)
  • To contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and Apollo Munich Health through our newsletters.
Log Files

When you visit our Website, we gather ”session information” automatically and store it in log files, including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, clickstream data, etc.

We use this session information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site, to gather demographic information about our user base as a whole, etc. We generally do not link this automatically collected data to any personally identifiable information.

We would like to reiterate that this information is not shared with third parties, except as provided under “Disclosure of Information” clausebelow.

Use of Cookies

Apollo Munich Health uses General Cookies and Session Cookies. Cookies are parcels of text sent by our server to your computer and then sent back unchanged to our server each time you access our website. Cookies are used for authenticating, tracking user behavior, and maintaining specific information about users, such as site preferences or information of an online transaction in our website. Cookie is required to create and maintain a secure session. Our cookies do not have your confidential or personal information. Our session ID cookies would expire the moment you leave our website and are required if you want to buy a policy online from us.

The General HTTP Cookies of our website are only used to analyze how users move within our Web site.

Disclosure of Information

We will not disclose your Information to any person, unless acting under a good faith belief that such disclosure is necessary to:

  • Conform to any statutory or legal requirements or comply with legal process
  • Protect, enforce and defend our rights or property
  • Protect our interests or interests of Apollo Group Companies.

We may also use your Information for the purposes of providing you with any services and service-related activities. In this regard, it may be necessary to disclose your Information to one or more service providers of Apollo Munich Health .

We reserve the right to exchange, share or provide the Information relating to your personal and financial details and information with other Apollo Group Companies or Statutory Bodies as required, and you will not hold us and/or any other group companies of Apollo Group and their agents liable for use or sharing of the information.

Updating your personal information

If you need to update your Information or if there is any change in your Information, you may update the Information by making the change on our registration page or by emailing our Website team at customerservice@apollomunichinsurance.com or by contacting us by telephone or postal mail at the contact information listed on the Website. If you have any queries about this Privacy Statement you can contact us at the contact information listed on the Website.

Security

The security of your Information is important to us. When you enter sensitive financial information such as credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link http://en.wikipedia.org/wiki/Secure_Sockets_Layer

We follow generally accepted industry standards to protect the Information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we do not guarantee its absolute security.

Links to other sites

The Web Site may contain links to other sites and/or portals on the Internet. While we intend to link only to such sites that share our high standards and respect for privacy, we do not assure you or are responsible for the content or the privacy practices employed by such other sites.

Please be aware that websites that have links from our site may collect personally identifiable information about you. This privacy statement does not cover the information and disclosure practices of those web sites.

Changes in this Privacy Statement

We reserve the right to modify this privacy statement at any time by posting the updated privacy statement on the Website. If we materially change our privacy practices we will post a notice on our web site.


For More Information, please click here.

MOBILE CONNECT END USER LICENSING TERMS AND CONDITIONS AND PRIVACY NOTICE COMMON TERMS FOR AIRCEL, AIRTEL, IDEA CELLULAR, TATA DOCOMO, TATA INDICOM, TELENOR INDIA, VODAFONE INDIA WELCOME TO THE MOBILE CONNECT SERVICE (“MOBILE CONNECT” OR THE “SERVICE”) AND THANK YOU FOR CHOOSING TO USE THE SERVICE THE FOLLOWING MOBILE CONNECT END-USER LICENSING TERMS AND CONDITIONS AND PRIVACY NOTICE (“TERMS AND CONDITIONS”) APPLY TO YOU WHEN YOU USE THE SERVICE. YOUR USE OF THE SERVICE MEANS THAT YOU AGREE TO THESE TERMS AND CONDITIONS. PLEASE READ THIS DOCUMENT CAREFULLY. “YOU” AND “YOUR” SHALL REFER TO THE END USER OR SUBSCRIBER OF THE OPERATOR ACCEPTING THESE TERMS AND CONDITIONS. “WE,” “OUR” OR “US” SHALL REFER TO THE OPERATOR PROVIDING THE SERVICE TO YOUR SERVICE PROVIDER.


When you use the Service, You agree that:
  • The Service (which includes downloading and use of the Mobile Connect Service and App) is provided to You by Us, as Your selected Mobile Operator. The Terms and Conditions constitute a legal and binding agreement which governs Your use of the Service.
  • You are responsible for keeping confidential any passwords, personal identification numbers, passcodes or other security information that You use or receive in connection with the Service. Do not reveal Your security information to anyone else. We will not be responsible for any damages, costs, expenses and/or losses arising out of the unauthorized use of Your account.
  • We shall not provide You with any customer support or assistance with Your use of the Service.
  • We may collect and use personal or other information provided by You in order to provide You with the Service.
  • Mobile Connect is not a certified electronic signature service and does not purport to certify Your identity except the accuracy of a particular phone number. The Service cannot be used as a replacement for official personal identification or any other authentication means.
  • We shall immediately suspend or terminate Your access to the Service if You violate any of the Terms and Conditions. We will have no liability or obligation to You if we suspend or terminate Your access.
  • We are not responsible for any third-party services that You avail or access while using Mobile Connect. You access those services at Your own risk. You must contact the third-party service provider directly if you encounter any issues.
  • Third-party services may have their own terms and conditions, and third-parties may charge You for their services. It is Your responsibility to review and understand any third-party terms and conditions. We disown any liability arising out of or in connection with Your dealings or usage with the or of the third party service provider.
  1. Usage Rules
  2. You agree to use the Service in compliance with these usage rules and all applicable laws for the time being in force. We reserve the right to modify the usage rules at any time without your prior knowledge or consent. You are authorized to use the Service, and to download, install and use the Mobile Connect App, solely and exclusively for the purpose of using the Service in accordance with the Terms and Conditions. This authorization is exclusive to You and is not transferrable or assignable by You. You agree that You shall not attempt or assist another person to, violate, circumvent, reverse-engineer, decompile, disassemble or otherwise tamper with the Service. You agree that you shall infringe any copyright or any other Intellectual Property relating to or on connection with the Service and shall indemnify us and hold us harmless against any such infringement. "Intellectual Property Rights" means all worldwide (a) patents, patent applications, patent rights and discoveries or inventions (whether or not patentable); (b) rights associated with works of authorship, including copyrights, copyrights applications, copyrights restrictions, mask work rights, mask work applications and mask work registrations; (c) rights relating to the protection of trade secrets and confidential information; (d) rights analogous to those set forth herein and any other proprietary rights relating to intangible property; and (e) divisions, continuations, renewals, reissues and extensions of the foregoing (as applicable) now existing or hereafter filed, issued, or acquired. If any open source software is included in the Service, You agree to abide by the relevant open source license terms. You shall indemnify and hold Us and our predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives, and attorneys harmless from and against any and all losses, damages, costs and expenses (including reasonable attorneys’ fees) arising out of or relating to Your unauthorized use of the Services or for any breach of obligations set forth herein.
  3. Proprietary Rights.
  4. You agree that the Service, including but not limited to trademarks, user interface, scripts and software used to implement the Service, contains proprietary information owned by Us or our third-party service providers, and is protected by applicable Intellectual Property and other laws. All Intellectual Property rights in the Service belong to Us or certain third-parties and You shall not do anything to jeopardize, limit or interfere with such Intellectual Property rights. You acknowledges and agrees that the Services are protected by copyright, trade secret and other intellectual property laws. We retains all right, title and interest in and to the Services and all methodologies, know-how, processes, technologies, tools, devices, documentation, ideas or data and all derivatives thereof (including any and all Intellectual Property Rights and other proprietary rights embodied therein or associated therewith). These End User Licensing Terms and Conditions in no way conveys any right or interest in the Services other than a limited license to use it in accordance herewith.
  5. Use of your Personal Information and Your Privacy
  6. We value Your privacy and take the protection of your personal information seriously. We have created a Privacy Policy available at Our link below, [https://www.telenor.in/p/privacy-policy] to help You understand how We handle and deal with Your personal information, when You use our products and services, including the Service. By agreeing to these Terms and Conditions, You also agree to Our use of such information in accordance with Our privacy policy. Because We want Your experience to be as easy and convenient as possible, We also use cookies. A ‘cookie’ is a small text file placed on Your computer, tablet or mobile device. Our use of cookies can’t identify You personally and We don’t use them for advertising. We only use them to remember things such as your language preferences or settings for the Service, so You don’t have to do this each time you use the Service (which might be very annoying). To make it easy, We utilise a pre-checked ‘remember me’ box – just uncheck the box if You prefer not to be remembered, and definitely uncheck the box if You are using a shared computer or device. Your trust is important to Us, and We will not share or sell Your personal information or use it for direct marketing purposes. If you want to contact Us about how your personal information is used please do so by using the contact information contained at Our Privacy Policy link below[1]. We reserve the right to disclose any information provided by You to law enforcement authorities, Courts, government officials or other third-parties or as required under any applicable law for the time being in force, if We believe such disclosure is reasonably necessary or appropriate to enforce and/or verify compliance with any part of these Terms and Conditions, or for Us to comply with any legal process.
  7. Changes
  8. We may modify the Terms and Conditions at any time and impose new or additional terms or conditions on Your use of the Service without your prior knowledge and consent. Such modifications and additional terms and conditions shall be effective immediately and incorporated into these Terms and Conditions. Your continued use of the Service will be deemed acceptance thereof.
  9. Termination
  10. We may terminate these Terms and Conditions at any time, for any reason, including for convenience. If the Terms and Conditions are terminated by Us, You must immediately cease and desist using the Service and forthwith uninstall the Mobile Connect App.
  11. Disclaimer of Warranties; Liability Limitation
  12. WE DO NOT GUARANTEE, REPRESENT OR WARRANT THAT YOUR USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, AND YOU AGREE THAT FROM TIME TO TIME WE MAY REMOVE THE SERVICE FOR INDEFINITE PERIODS OF TIME, OR CANCEL THE SERVICE AT ANY TIME, WITHOUT NOTICE TO YOU. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR OWN RISK AND YOU ACKNOWLEDGE THAT WE ARE NOT RESPONSIBLE FOR ANY FAULTS OR ERRORS, INCLUDING LOSS, CORRUPTION OR MISUSE OF YOUR DATA. THE SERVICE IS PROVIDED "AS IS" AND “AS AVAILABLE” FOR YOUR USE WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF UNINTERRUPTED USE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. IN NO EVENT SHALL WE BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED TO THE USE OR PERFORMANCE OF THE SERVICES. IF IN ANY RELEVANT JURIDICTION THIS LIMITATION WOULD NOT BE LEGALLY UPHELD THEN OUR TOTAL LIABILITY SHALL IN NO EVENT EXCEED THE AMOUNT OF INR 1000 (INDIAN RUPEES ONE THOUSAND ONLY).
  13. GOVERNING LAW
  14. The Service is operated by Us from our offices in India. You agree to comply with all applicable laws, statutes, ordinances and regulations that apply to Your use of the Service. Provision and use of the Service shall be governed by and construed in accordance with the laws of India, without regard to conflict of law rules. You expressly agree that exclusive jurisdiction for any claim or dispute with Us, or relating in any way to your use of the Service resides, at Our option in the courts of Mumbai, Delhi or elsewhere in India. FOR AIRCEL USERS
FOR AIRCEL USERS
[1]: For Privacy Policy, please visit Privacy Policy
FOR AIRTEL USERS
[1]: For Privacy Policy, please visit airtel
FOR IDEA CELLULAR USERS
[1]: For Privacy Policy, please visit ideacellular
FOR TATA DOCOMO USERS
[1]: For Privacy Policy, please visit tatadocomo
FOR TATA INDICOM USERS
[1]: For Privacy Policy, please visit tataindicom
FOR TELENOR INDIA USERS
[1]: For Privacy Policy, please visit telenor
FOR VODAFONE INDIA USERS
[1]: For Privacy Policy, please visit vodafone
Disclaimer
Apollo Munich Health Insurance Co. Ltd.  Central Processing Center, 2nd & 3rd Floor, iLABS Centre, Plot No. 404-405, Udyog Vihar, Phase-III, Gurgaon - 122 016, Haryana Corp. Off: 1st Floor, SCF -19, Sector - 14, Gurgaon - 122 001, Haryana. Regd. Off: Apollo Hospitals Complex, Jubilee Hills, Hyderabad - 500 033, Telangana.  Toll Free: 1800 103 0555 Tel: +91 124 4584333  Fax: +91 124 4584111 Website : www.apollomunichinsurance.com Email: customerservice@apollomunichinsurance.com For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale. Tax benefits are subject to changes in tax laws. IRDAI Reg No.: - 131 • CIN: U66030AP2006PLC051760  
 
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