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Subscriber Agreement
CAREGURU is engaged in the business of facilitating access to medical
and para-medical healthcare products and services. This Agreement
sets out the terms and conditions pertaining to the provision
and use of such healthcare products and services. By ticking against
the "I Agree to the Terms and Conditions" check-box
and completing the registration process, you confirm that you
agree to be bound by all the terms and conditions of this Agreement
as well as the Beneficiary Agreement, which shall be read as a
part and parcel of this Agreement.
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1. |
Network |
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1.1 |
All healthcare services
and products are provided through a network of empanelled general
practitioners, specialists, hospitals, clinics, diagnostic centers,
etc. CAREGURU assures the Subscriber that all such service providers
have been selected with utmost care and after due review of their
expertise and skills. |
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1.2 |
There is no bar on the Subscriber
and/or the Beneficiaries or any of them from utilizing the services
of hospitals, general practitioners, specialists, hospitals, clinics,
diagnostic centers, etc., outside the network of such services
provided by CAREGURU. However, CAREGURU shall not be obliged to provide
any support services to the Beneficiary(s) and/or information
to the Subscriber in respect of such services outside the CAREGURU
network. |
2. |
Identity
Cards |
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2.1 |
Upon completion of the registration
process and upon execution of the Beneficiary Agreement, each
of the Beneficiaries will be provided with an Identity Card (ID
Card). |
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2.2 |
The Beneficiary/(ies) should
retain the ID Card carefully and produce the same on demand by
CAREGURU, its representatives, and/or any of the network service
providers in order to be entitled to receive specific services
subscribed for. |
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2.3 |
In the event of the Beneficiary's
failure to produce the ID Card on such demand, such Beneficiary
may not be entitled to the privileges of the CAREGURU services subscribed
for and the members of the network may offer their services on
their usual terms. The Subscriber may however approach CAREGURU for
replacement of lost/misplaced card, which would be done at a nominal
fee. |
3. |
Payments |
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3.1 |
All services and/or products
are being provided in the manner and on payment of certain specific
charges as described on the website. |
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3.2 |
Subscriber acknowledges that
the price and payment methods are available on the website and
that he / she is fully aware of it at the time of subscription.
Subscriber is also aware that CAREGURU may prospectively change the
specified prices and the payment methods from time to time. |
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3.3 |
Any charges incurred for hospitalization,
if at any time, before/during/after health checks covered under
the CAREGURU services, are incurred over and above the specific charges
mentioned on the website, and the Subscriber and/or the Beneficiaries
or any of them shall be liable for making provision for payment
of such amount over and above the said charges. CAREGURU shall not
be liable for any delay in treatment and/or for any other consequential
loss, harm and/or injury to the Beneficiary(s), due to the delay
in the receipt of the payments. |
4. |
Services
Guide |
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4.1 |
All Beneficiaries will be provided
with written instruction relating to the availability of services
and products, and the manner in which the same should be utilized.
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4.2 |
CAREGURU and/or the network members,
such as general practitioners, hospitals, clinics, specialists,
etc., or any of them shall not be liable for any harm, loss, injury,
etc., that may be suffered by the Beneficiary(s) as a result of
non-compliance with the instructions. |
5. |
Availability
Of Services |
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5.1 |
In the provision of and access
to all the healthcare services, CAREGURU will make its best efforts
to ensure that all the members of the network are available, at
their specified times, to the Beneficiary(s). For example, CAREGURU
will endeavor to fix an appointment with the required member of
the network at a time convenient to the Beneficiary(s). However,
if the required member is not available at the desired time, CAREGURU
will make a best faith effort to fix an appointment at a time
convenient to the Beneficiary(s). |
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5.2 |
However, CAREGURU will not be held
responsible for any harm, loss, injury, etc., that may be suffered
by the Beneficiary(s) due to non-availability of network members.
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6. |
Emergency
Requirements |
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6.1 |
CAREGURU’s services are limited
to diagnostic and preventive healthcare services. Beneficiaries,
during the term of their CAREGURU membership, are eligible to seek
emergency, inpatient, and outpatient medical services from the
member hospitals in the CAREGURU network, directly. Beneficiaries
may be eligible for special discounts with the member hospitals. |
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6.2 |
In the event of an emergency,
the Beneficiary is also free to seek medical assistance, directly,
from personnel or establishments outside the CAREGURU network. |
7. |
Physician
Calls |
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7.1 |
The Subscriber is entitled to
two phone calls with a physician per year for each beneficiary. |
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7.2 |
The Content of physician’s
phone calls are informational in nature is not intended to be
a substitute for professional medical advice, diagnosis, or treatment.
Users should always seek the advice of their physician or other
qualified health provider with any questions they may have regarding
a medical condition without delay. |
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7.3 |
Any information so rendered
is purely for the sake of information and does not constitute
medical advice. Please consult a specialist before acting on any
of the information. CAREGURU does not accept any liability or responsibility
for any damage caused by acting on such information. Also, CAREGURU
will take the best efforts to ensure that the expert can meet
the timings but assumes no responsibilities for delays caused,
if any, outside its control. |
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7.4 |
The information provided through
CAREGURU is not intended to replace medical or surgical diagnosis,
treatment, and management discussed by the user's Doctor. The
user is urged not to disregard medical advice or delays in seeking
medical attention because of or based on any information that
he/she may have read or received on the CAREGURU site. |
8. |
Information
To The Subscriber |
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8.1 |
CAREGURU will put up all information
relating to the medical history, records, etc., of the Beneficiary
on the website. |
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8.2 |
All such information will be
up-dated periodically to keep the Subscriber informed of the progress
concerning the medical condition of the Beneficiary. |
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8.3 |
However, it shall be the responsibility
of the Subscriber to access the website on a regular basis to
secure the information put up by CAREGURU. |
9. |
Authority
to Disclose Medical Information |
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9.1 |
The Subscriber hereby authorizes
CAREGURU and the members of its network, and further, assures CAREGURU
that he/she will secure the consent of the Beneficiary(s) to authorize
CAREGURU and the members of its network, to collect and disclose
all information and/or copies of records relating to the diagnostic
test results, medical history, records, condition of health, treatment,
costs, etc., of the Beneficiary(s) to the Subscriber. |
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9.2 |
The Subscriber hereby indemnifies
CAREGURU and the members of its network from any claim, loss, liability,
etc., that may be made by the Beneficiary(s) against CAREGURU and/or
any of the members of its network due to the disclosure of such
information to the Subscriber. |
10. |
Medical
and Para-Medical Support Services |
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10.1 |
As and when required by the
Subscriber and/or the Beneficiary(s), CAREGURU may assist the Beneficiary
in identifying medical and para-medical support services such
as hospitals, doctors, nurses, physiotherapists, etc. |
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10.2 |
However, CAREGURU's role will be
restricted to, merely, identifying such qualified medical and
para-medical service providers and to communicate their contact
details to the Beneficiary(s). |
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10.3 |
CAREGURU shall not, in any manner
whatsoever, be responsible for the selection, quality, accuracy
of services, costs, etc., of such medical or para-medical service
providers. |
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10.4 |
Further, CAREGURU shall not be
responsible for any loss, harm and/or injury that may be suffered
by the Subscriber and/or the Beneficiary(s) due to the use of
the services of such medical or para-medical service providers.
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11. |
Refunds
and Order Transfer Policy |
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11.1 |
An administrative cost of US$25
will be deducted / charged on all cancellations made within two
weeks after the time of placing the Order. No refund shall be
issued two weeks after the time of placing the order. |
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11.2 |
CAREGURU shall make a maximum of
six attempts to coordinate health check visits for each beneficiary.
After the above-mentioned six attempts, the beneficiary would
need to contact CAREGURU to schedule a health check. |
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11.3 |
The beneficiary has a maximum
of one year from the date the order is placed to avail CAREGURU services
under the plan. If the beneficiary does not avail the service
within one year, the service shall be forfeited with no refund.
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12. |
Transportation |
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12.1 |
Transportation service is provided
only within a 25 km radius of the partner hospital/facility chosen
for health checks. |
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12.2 |
The transportation service will
include two (2) pick up and a drop-off to the same location for
one paid-up subscription. |
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12.3 |
In the event the subscriber
purchases transportation service for the beneficiary and if the
beneficiary does not avail the transport provided by CAREGURU to
visit the partner hospital/facility in the Metropolitan areas,
for reasons best known to him/her, claims for refund of transport
component will not be entertained. |
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