1. About Jaush Care

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

Jaush Care is currently intended exclusively for eligible existing customers of Jaush BFSI.

2. Acceptance of These Terms

These Terms constitute a legally binding agreement between you and Jaush Marketing and Consultancy Pvt. Ltd.

By clicking an acceptance button, checkbox or similar mechanism, completing a purchase, submitting a membership application, accessing the membership or using any Jaush Care service, you confirm that you accept these Terms.

If you do not agree with these Terms, you should not purchase or use the Jaush Care membership.

3. Eligibility

Jaush Care is available only to individuals who satisfy the applicable eligibility criteria communicated by Jaush.

Unless otherwise expressly permitted by Jaush, the primary member must:

• Be at least 18 years of age;
• Be an eligible existing Jaush BFSI customer;
• Provide accurate information;
• Have a valid mobile number and/or email address; and
• Meet any additional eligibility requirements applicable to the selected plan.

Jaush reserves the right to verify eligibility before activating or continuing a membership.

4. Nature of Jaush Care Membership

Jaush Care is a membership-based health and wellness platform that provides access to a combination of healthcare services, discounts, assistance, cashback and other benefits depending on the membership plan selected.

The precise benefits available to a member are determined by the plan purchased and the applicable benefit terms.

Jaush Care should not be interpreted as a promise that every healthcare service will be available at every location or through every provider.

Availability may depend upon participating service providers, geographic availability, technical availability, eligibility and applicable terms.

5. Membership Plans

Jaush Care may offer different membership plans, including plans currently marketed as:

• AROGYA
• VAJRA
• SUDARSHAN
• CHAKRAVYUH

Plan names, prices, benefits, eligibility, participating providers, features and availability may be changed from time to time subject to applicable law.

The benefits applicable to your membership are those displayed and accepted at the time of purchase, together with the applicable benefit terms.

6. Membership Fees and Taxes

The applicable membership fee will be displayed on the Jaush Care website or applicable purchase interface before payment.

Unless expressly stated otherwise, applicable taxes and statutory charges may be added to the displayed membership price.

The final amount payable will be displayed before you complete the payment.

Jaush may revise membership prices for future purchases or renewals. Any price change will not retrospectively alter the price already paid for an existing membership period.

7. Payment

Membership payments may be processed through third-party payment gateways or payment service providers.

You agree to provide accurate payment and billing information and to use a payment method that you are authorised to use.

Jaush is not responsible for delays caused solely by a payment gateway, banking institution or other third-party payment processor, although Jaush will reasonably assist in resolving genuine payment issues.

Membership activation is subject to successful receipt and confirmation of the applicable membership payment and completion of any required verification.

8. Cancellation and Refund Policy

8.1 How the 24-Hour Period Is Calculated

The 24-hour period begins from the date and time at which the payment is successfully recorded/confirmed by the applicable payment gateway or Jaush’s payment system.

The customer is responsible for submitting the cancellation request within the applicable 24-hour period.

A request made after expiry of the 24-hour period will ordinarily be treated as a late cancellation request and will not qualify for a voluntary refund.

8.2 Cancellation Request

Cancellation requests should be submitted through the official customer support channel:

A cancellation request should contain sufficient information to identify the membership and transaction, including the registered mobile number and transaction/order reference where available.

The time at which the cancellation request is successfully received by Jaush’s designated system or official support channel will be considered for determining whether the request falls within the 24-hour cancellation period, subject to reasonable verification.

8.3 Refund Processing

Where a cancellation is validly requested within the 24-hour period, Jaush will initiate the applicable refund after verification.

Refunds will ordinarily be processed to the original payment method used for the transaction, unless applicable law or the relevant payment provider requires another method.

The time taken for the refund to reflect in the customer’s account may depend upon the payment gateway, bank, card issuer, UPI provider or other financial institution.

8.4 No Voluntary Cancellation After 24 Hours

Once the 24-hour cancellation period has expired, the membership fee is considered non-refundable and the customer cannot voluntarily cancel the membership for the purpose of obtaining a refund.

This restriction applies irrespective of whether the customer has used all, some or none of the available membership benefits after the cancellation period.

8.5 Exceptions Required by Applicable Law

Nothing in these Terms is intended to exclude or restrict any right or remedy that cannot lawfully be excluded or restricted under applicable Indian law.

Without limiting the above, where applicable law requires a refund, cancellation, replacement, remedy or other relief because of a material deficiency, failure to provide a contracted service, material misrepresentation, unauthorised transaction or other legally recognised circumstance, the applicable statutory rights will continue to apply.

Any such request will be evaluated on its facts and in accordance with applicable law.

8.6 Duplicate or Erroneous Payments

If you believe that you have been charged more than once for the same membership transaction, please contact Jaush promptly with the relevant transaction details.

Verified duplicate payments will be addressed appropriately after transaction verification.

9. Membership Activation

A membership becomes active after successful payment confirmation and completion of any applicable eligibility or verification process.

Jaush may delay activation where:

• Payment has not been successfully confirmed;
• Required information is incomplete;
• Eligibility cannot be verified;
• Fraud or misuse is reasonably suspected;
• A technical issue affects activation; or
• Activation requires confirmation from a third-party provider.

10. Membership Period

Unless otherwise specified at the time of purchase, a Jaush Care membership is valid for the membership period displayed for the selected plan.

Membership validity begins from the activation date or such other date as specified at the time of purchase.

Membership benefits automatically cease upon expiry unless the membership is renewed.

11. Doctor Consultations

Where included in your plan, doctor consultations may be available subject to the applicable service provider’s availability and reasonable-use conditions.

“Unlimited consultations” means that no fixed numerical consultation limit is imposed under the applicable membership benefit, subject to reasonable use, provider availability, technical limitations and applicable service terms.

Jaush does not guarantee:

• A specific doctor;
• A specific consultation time;
• Immediate medical attention;
• A specific diagnosis;
• A particular medical outcome; or
• Availability of every medical speciality.

12. Medicines and Diagnostic Discounts

Where included in your plan, discounts on medicines and diagnostic services may be available through participating providers.

“Up to” discounts represent the maximum advertised benefit and do not mean that every medicine, test, provider or transaction will receive the maximum discount.

Actual discounts may vary depending on:

• Provider;
• Medicine or test;
• Location;
• Availability;
• Applicable exclusions;
• Provider-specific terms; and
• Applicable laws and regulations.

13. Health Guardian

Where included in your plan, the Health Guardian is intended to provide assistance in navigating available Jaush Care services and benefits.

The Health Guardian is not a substitute for a qualified medical professional, lawyer, financial adviser, insurer, lender or other regulated professional.

Health Guardian assistance does not constitute medical diagnosis, treatment, prescription or emergency medical advice unless expressly provided by an appropriately qualified professional through an applicable service.

14. Cashback

Where cashback is included in a plan, it will be governed by the applicable cashback terms displayed at the time of the relevant transaction.

Cashback may be subject to:

• Eligible services;
• Minimum transaction values;
• Maximum cashback limits;
• Participating providers;
• Validity periods;
• Verification requirements; and
• Fraud and misuse controls.

Jaush reserves the right to withhold or reverse cashback associated with fraudulent, duplicate, reversed, cancelled or otherwise ineligible transactions.

15. Health-Related Financing

Where Jaush Care provides access to or facilitates a health-related financing facility, such facility may be provided by an independent lender or financial institution.

Jaush does not guarantee:

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

All lending decisions remain subject to the applicable lender’s eligibility criteria, credit assessment, documentation, underwriting and applicable law.

The maximum financing amount advertised on the website represents a potential facility limit and does not constitute a guarantee that the member will receive that amount.

16. Protection Benefits

Certain Jaush Care plans may include or facilitate access to protection benefits such as Personal Accident benefits, Hospicash, Vector-Borne Disease benefits or other protection benefits.

Such benefits are subject to the applicable benefit terms, eligibility criteria, exclusions, waiting periods, deductibles, limits, documentation requirements and claim procedures.

Where a protection benefit is provided by an insurer or other independent provider, the terms of the underlying arrangement or policy will govern the applicable benefit.

17. “Up To” Benefits

Where Jaush Care uses expressions such as “up to ₹3 lakh”, “up to ₹15,000”, “up to ₹10,000”, “up to 30%” or similar wording, the stated amount or percentage represents the maximum potential benefit under the applicable plan and does not constitute a guaranteed payment, discount or entitlement for every customer or transaction.

Actual benefits may be lower depending upon the applicable terms, eligibility, limits, exclusions, provider and transaction.

18. Third-Party Services

Certain Jaush Care services may be delivered by independent third parties.

These may include:

• Doctors;
• Hospitals;
• Diagnostic laboratories;
• Pharmacies;
• Healthcare service providers;
• Insurers;
• Lenders;
• Payment gateways;
• Technology providers; and
• Other participating partners.

Jaush does not control every aspect of third-party service delivery.

Third-party services may be subject to separate terms, eligibility requirements, privacy policies and service conditions.

19. Service Availability

Jaush will make reasonable efforts to keep the Jaush Care platform operational and available.

However, uninterrupted availability cannot be guaranteed.

Services may temporarily become unavailable because of:

• Scheduled maintenance;
• Emergency maintenance;
• Technical failures;
• Internet or telecommunications failures;
• Third-party service interruptions;
• Cybersecurity incidents;
• Government directions; or
• Events beyond Jaush’s reasonable control.

20. Prohibited Use

You agree not to:

• Provide false or misleading information;
• Use another person’s membership without authorisation;
• Attempt to obtain benefits fraudulently;
• Manipulate cashback or promotional systems;
• Reverse engineer or interfere with the platform;
• Attempt unauthorised access to systems;
• Use automated systems to abuse the platform;
• Resell membership benefits without written authorisation;
• Use Jaush Care for unlawful purposes;
• Upload malicious code;
• Impersonate another person; or
• Engage in conduct that may damage Jaush, its customers or its partners.

21. Suspension or Termination

Jaush may suspend or terminate a membership where reasonably necessary because of:

• Fraud;
• Misrepresentation;
• Unauthorised use;
• Abuse of benefits;
• Violation of these Terms;
• Illegal activity;
• Security concerns;
• Regulatory or legal requirements; or
• Other circumstances where continued access creates a legitimate risk to Jaush, its customers or service providers.

Where termination occurs because of customer misconduct, fraud or breach, no voluntary refund will ordinarily be payable, subject always to applicable law.

22. Membership Non-Transferability

Unless expressly permitted by Jaush, a membership is personal to the registered member and may not be sold, transferred, assigned or otherwise provided to another person.

Family benefits, where included, may only be used by eligible family members in accordance with the applicable plan terms.

23. Intellectual Property

All content appearing on the Jaush Care website, including but not limited to logos, trademarks, text, graphics, photographs, illustrations, videos, software, layouts and designs, is owned by or licensed to Jaush unless otherwise stated.

You may not reproduce, modify, distribute, publish, transmit, sell or commercially exploit such material without prior written permission.

“Jaush”, “Jaush Care” and associated names, logos and branding are proprietary marks of Jaush or their respective owners.

24. User-Provided Information

You are responsible for ensuring that information provided to Jaush is accurate, complete and current.

Jaush shall not be responsible for consequences arising directly from materially inaccurate, incomplete, outdated or misleading information supplied by you.

25. Privacy

Personal data is handled in accordance with the Jaush Care Privacy Policy.

By using Jaush Care, you acknowledge that you have read the Privacy Policy and understand how personal data may be processed for the purposes described therein.

26. Disclaimers

Jaush Care provides access to healthcare-related services, benefits and assistance. It does not guarantee any particular medical, financial or healthcare outcome.

Information available through Jaush Care is intended for general informational and service-access purposes and should not be treated as a substitute for professional medical, legal, financial or other regulated advice.

Medical decisions remain between the member and the relevant qualified healthcare professional.

27. Limitation of Liability

To the extent permitted by applicable law, Jaush shall not be liable for indirect, incidental, consequential, special or exemplary losses arising from the use of the Jaush Care platform or third-party services.

This includes, where legally permissible, loss arising from temporary unavailability of a third-party service, delay by a third-party provider, failure of a payment gateway, internet interruption, or circumstances beyond Jaush’s reasonable control.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

28. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold harmless Jaush Marketing and Consultancy Pvt. Ltd., its officers, employees, representatives and authorised service providers from claims, losses, liabilities, damages, costs and expenses arising directly from:

• Your material breach of these Terms;
• Fraudulent or unlawful use of Jaush Care;
• Misuse of membership benefits;
• Unauthorised use of another person’s information or membership; or
• Materially false or misleading information supplied by you.

This clause does not require you to indemnify Jaush for losses caused by Jaush’s own fraud, wilful misconduct or liability that cannot legally be transferred to you.

29. Force Majeure

Jaush shall not be responsible for delay or failure to perform an obligation where such failure results from circumstances beyond its reasonable control.

These circumstances may include:

• Natural disasters;
• Floods;
• Earthquakes;
• Fire;
• Pandemics or epidemics;
• War;
• Civil unrest;
• Government restrictions;
• Telecommunications failures;
• Cyber incidents;
• Power failures;
• Payment-system failures; or
• Failure of critical third-party infrastructure.

30. Changes to Services

Jaush may modify, replace, suspend or discontinue individual features, providers or benefits where reasonably necessary due to operational, commercial, technological, legal, regulatory or third-party considerations.

Where a material change affects an existing membership and applicable law requires a particular remedy or notice, Jaush will comply with the applicable requirement.

31. Changes to These Terms

Jaush may update these Terms from time to time.

Changes may be made to reflect changes in:

• Services;
• Technology;
• Business practices;
• Third-party arrangements;
• Applicable law;
• Regulatory requirements; or
• Security requirements.

Material changes will be communicated through appropriate means where required by applicable law.

Your continued use of Jaush Care after the effective date of revised Terms constitutes acceptance of the revised Terms to the extent permitted by applicable law.

32. Electronic Communications

You agree that Jaush may communicate with you electronically through email, SMS, telephone, WhatsApp, website notifications or other permitted channels.

Electronic communications may include membership information, invoices, service notifications, support communications, security notices and legally required notices.

33. Notices

Notices to Jaush should be sent through the official contact details published on the website.

Notices to customers may be provided through the registered email address, mobile number, account interface, SMS, WhatsApp or other legally permitted communication method.

34. No Waiver

Failure by Jaush to enforce any provision of these Terms immediately does not constitute a waiver of its right to enforce that provision later.

35. Severability

If any provision of these Terms is found to be invalid, unlawful or unenforceable, that provision shall be modified or severed to the minimum extent necessary, and the remaining provisions shall continue to the extent permitted by law.

36. Entire Agreement

These Terms, together with the applicable Privacy Policy, Refund and Cancellation provisions, plan-specific benefit terms and other terms expressly incorporated into the membership purchase, constitute the agreement governing your Jaush Care membership, subject to applicable law.

37. Applicable Law

These Terms shall be governed by and interpreted in accordance with the laws of India.

Nothing in these Terms is intended to deprive a consumer of any mandatory statutory protection or remedy available under applicable Indian law.

38. Jurisdiction

Subject to any mandatory jurisdiction available to a consumer under applicable law, disputes arising between you and Jaush in relation to these Terms or the Jaush Care membership shall be subject to the jurisdiction of the competent courts and authorities having jurisdiction over the registered office of Jaush at Thane, Maharashtra.

Nothing in this clause prevents a consumer from exercising any statutory right to approach a competent consumer forum, authority or other adjudicatory body having jurisdiction under applicable law.

39. Grievance Redressal

If you have a concern regarding Jaush Care, you may contact our grievance team.

40. Contact Us