1. What Is Jaush Care?

Jaush Care is a membership-based wellness and healthcare-services platform operated by Jaush Marketing and Consultancy Pvt. Ltd. (“Jaush”, “we”, “us” or “our”).

Jaush Care is designed exclusively for eligible existing customers of Jaush BFSI and provides access to a combination of healthcare, wellness, assistance, savings and other services and benefits depending on the membership plan selected.

The services available through Jaush Care may include, depending on the applicable plan:

• Doctor consultations;
• Healthcare assistance;
• Health Guardian support;
• Discounts on eligible diagnostic services;
• Discounts on eligible medicines;
• Cashback on eligible services;
• Access to health-related financing facilities;
• Access to certain protection or benefit arrangements; and
• Other wellness and healthcare-related services.

3. Certain Plans May Include Access to Protection Benefits

Some Jaush Care plans may provide members with access to or eligibility for certain protection-related benefits, which may include benefits described as:

• Personal Accident benefits;
• Hospital Cash / Hospicash benefits;
• Vector-Borne Disease benefits; or
• Other protection benefits.

Where such a benefit involves an insurance product, insurance coverage or another regulated financial product, the underlying product is provided, issued, administered or facilitated by the relevant insurer, licensed/authorised intermediary, regulated entity or other legally authorised service provider, as applicable.

4. Role of Jaush Care

Depending on the particular service, Jaush Care may:

• Provide access to healthcare and wellness services;
• Facilitate access to participating service providers;
• Coordinate member requests;
• Provide membership administration;
• Provide customer support;
• Facilitate access to partner services;
• Provide Health Guardian assistance;
• Facilitate access to eligible financing opportunities;
• Facilitate access to protection benefits through appropriate partners; or
• Perform other administrative or platform functions.

The exact role performed by Jaush depends upon the specific service and applicable regulatory framework.

5. Third-Party Partners

Jaush Care works with or may make available services from various independent third-party providers.

Depending on the service, such providers may include:

• Doctors and healthcare professionals;
• Hospitals and healthcare networks;
• Diagnostic laboratories;
• Pharmacies and medicine providers;
• Technology and healthcare platforms;
• Insurance companies;
• Insurance intermediaries;
• Financial institutions and lenders;
• Payment service providers;
• Other regulated entities; and
• Other participating service providers.

Where a service is regulated under a specific Indian regulatory framework, the relevant regulated activity is performed by the applicable licensed/authorised entity to the extent required under law.

6. Insurance Products, Where Applicable

If an insurance-related benefit is made available through Jaush Care, the relevant insurance product, where applicable, is separate from the Jaush Care membership.

The following matters are determined by the applicable insurer and/or authorised intermediary, as applicable:

• Whether coverage is available;
• Eligibility;
• Premium or applicable charges for the insurance product;
• Policy terms;
• Coverage limits;
• Exclusions;
• Waiting periods;
• Deductibles;
• Claim documentation;
• Claim assessment;
• Claim approval or rejection; and
• Settlement of any eligible claim.

Jaush does not guarantee acceptance or settlement of any insurance claim.

7. No Guarantee of Insurance Coverage

Any amount displayed in connection with a protection benefit, including amounts such as:

• Up to ₹3 lakh Personal Accident benefit;
• Up to ₹15,000 Hospicash benefit;
• Up to ₹10,000 Vector-Borne Disease benefit; or
• Any other stated protection amount

represents the maximum potential benefit under the applicable arrangement and does not constitute a guarantee that the member will receive that amount.

Actual entitlement depends on the applicable product terms, eligibility, exclusions, limits, documentation and claim assessment.

8. No Insurance Advice by Jaush Care

Information displayed on Jaush Care relating to protection benefits is intended to explain the benefits available through the relevant arrangement.

Unless specifically stated otherwise and permitted under applicable law, such information should not be interpreted as:

• Insurance advice;
• A recommendation to purchase an insurance policy;
• A representation that a particular claim will be paid;
• A guarantee of coverage;
• A guarantee of policy acceptance;
• A guarantee of underwriting;
• A guarantee of claim settlement; or
• A substitute for the applicable insurance policy wording.

9. Policy Documents Prevail

10. Healthcare Services Are Not Insurance

Benefits such as doctor consultations, medicine discounts, diagnostic discounts, Health Guardian assistance, cashback, healthcare assistance and access to healthcare financing are not, merely because they are included in a Jaush Care membership, insurance coverage.

Such benefits are provided subject to the applicable Jaush Care plan terms and/or the terms of the relevant participating service provider.

11. Health-Related Financing Is Not Insurance

Where Jaush Care facilitates access to a health-related loan or financing facility, the financing is provided by the applicable lender or financial institution and is separate from the Jaush Care membership.

Jaush does not guarantee:

• Loan approval;
• A particular loan amount;
• A particular interest rate;
• A particular tenure;
• Loan disbursement; or
• Any particular lending outcome.

The lender independently determines eligibility and approval in accordance with its applicable policies, documentation requirements, underwriting criteria and law.

12. Third-Party Service Responsibility

Where a service is directly delivered by an independent third-party provider, the provider is responsible for the delivery of that particular service in accordance with the applicable terms and law.

Examples include:

• Medical consultations;
• Diagnostic testing;
• Medicine fulfilment;
• Insurance policy issuance;
• Insurance claim processing;
• Loan processing;
• Payment processing; and
• Other services independently provided by participating partners.

Jaush will, where appropriate, assist members in navigating or accessing the relevant partner service.

13. Jaush Care Does Not Replace Professional Advice

Jaush Care is intended to facilitate access to healthcare and wellness services.

Jaush Care does not replace:

• A qualified doctor;
• A hospital or emergency medical service;
• An insurance adviser or authorised insurance professional;
• A financial adviser;
• A lender or credit professional;
• A lawyer; or
• Any other regulated or qualified professional.

14. Membership Is for Eligible Existing Jaush BFSI Customers

Jaush Care is designed exclusively for eligible existing customers of Jaush BFSI.

Membership eligibility may be verified before or after purchase.

Jaush reserves the right to refuse activation or suspend a membership where the eligibility criteria are not satisfied, subject to the applicable Terms & Conditions and law.

15. “Up To” Means Maximum Potential Benefit

Any reference to “up to” a particular amount, percentage or benefit means the maximum potential benefit available under the applicable plan or partner arrangement.

For example:

• “Up to 30% discount” does not mean every medicine or diagnostic service receives a 30% discount.
• “Up to ₹3 lakh” does not mean every member is automatically entitled to ₹3 lakh.
• “Up to ₹15,000 Hospicash” does not mean ₹15,000 is automatically payable on hospitalisation.
• “Up to ₹10,000 Vector-Borne Disease benefit” does not mean ₹10,000 is automatically payable for every relevant illness.

The actual benefit depends on the applicable terms, conditions, eligibility, exclusions, limits and service-provider requirements.

16. No Representation of Guaranteed Outcomes

Jaush Care does not guarantee any particular:

• Medical diagnosis;
• Medical treatment outcome;
• Hospital admission;
• Insurance claim settlement;
• Loan approval;
• Financial outcome;
• Discount amount;
• Cashback amount; or
• Other third-party service outcome.

17. Promotional and Website Information

We make reasonable efforts to keep information on the Jaush Care website accurate and current.

However, benefits, service providers, pricing, availability and other features may change from time to time.

Before using a regulated product or service, customers should review the applicable product documentation and terms provided by the relevant authorised provider.

18. Regulatory Status of Partners

Where a service requires a specific licence, registration, authorisation or regulatory approval, Jaush intends to work with the relevant licensed/authorised/regulated service provider as applicable to that service.

The regulatory status of a particular provider is specific to that provider and the services it is authorised to provide.

Nothing on this website should be interpreted as representing that every Jaush Care partner holds every possible regulatory licence or authorisation.

19. No Insurance Company Representation

20. Relationship With Other Jaush Documents

This Disclaimer should be read together with:

• Jaush Care Terms & Conditions
• Jaush Care Refund & Cancellation Policy
• Jaush Care Privacy Policy

The applicable product, membership or service terms will govern the specific service being used.

21. Applicable Law

This Disclaimer is governed by the laws of India.

Nothing in this Disclaimer is intended to exclude, restrict or waive any statutory right or remedy that cannot legally be excluded, restricted or waived.

22. Consumer Protection

Jaush is committed to providing clear and accurate information about the nature of Jaush Care membership and the services available through the platform.

Nothing in this Disclaimer is intended to permit misleading representation of any service, product, benefit, provider, licence, registration, affiliation or regulatory status.

Customers retain all applicable statutory consumer rights and remedies under Indian law.

23. Contact Us