One Vitamin a Day Keep Doctors Away

What is multivitamin?
A strip of multi vitamin tablets has become a favorite accompaniment on the breakfast table. Perceived to be healthy and beneficial, they are sometimes taken in self prescribed dosages. The availability of these pills over the counter only spurs one to believe they are safe and healthy. Let us explore the truth behind the multi vitamin pills and the effects of using them excessively.

Multi-vitamins are a combination of many different vitamins that are normally found in foods and other natural sources. They are used to provide vitamins that are not taken in through the diet. They are also used to treat vitamin deficiencies caused by illness, pregnancy, poor nutrition, digestive disorders, and many other conditions. They are undisputedly needed. But, vitamins given in high doses may also have effects that science is only beginning to understand.

Is pill popping safe?
In a test tube, cancer cells consume vitamin C to grow, and studies have shown far higher levels of vitamin C in tumor cells than are found in normal tissue.

The selling point of antioxidant vitamins is that they mop up free radicals, the damaging molecular fragments linked to aging and disease. But some free radicals are essential to proper immune function, and wiping them out may inadvertently cause harm.

This brings us to the question, are vitamins worth it? Several medical studies have failed to show that extra vitamins, at least in pill form, help prevent chronic disease or prolong life. It would certainly be helpful to think twice before you pop in those multi-colored pills of multi-vitamins to enhance your health. Never take more than the recommended dose of a multi-vitamin. Avoid taking more than one multi-vitamin product at the same time unless your doctor tells you to.

Side-effects of multi-vitamins
Taking similar vitamin products together can result in a vitamin overdose or serious side-effects.
Get emergency medical help if you have any of these signs of an allergic reaction on taking multi-vitamin tablets:

• hives
• difficulty breathing
• swelling of your face, lips, tongue, or throat

Other side-effects of multi-vitamins are:

• tooth staining
• increased urination
• stomach bleeding
• uneven heart rate
• confusion
• muscle weakness or limp feeling
• headache
• upset stomach
• unusual or unpleasant taste in your mouth

The alternative
Consider this: eating a small apple (100g) gives an antioxidant effect equivalent to taking 1500mg of vitamin C –-- so that is a mega-dose supplement. Dietitians, nutritionists and other experts are all agreed that apart from small groups of people in special medical circumstances, most of us don't need to take vitamins or food supplements. We can get what we need from a balanced diet.

One of the most important pieces of advice we can give is to increase your fruit and vegetable consumption. These are the foods that are nutrient rich, vitamin rich and mineral rich. It has been discovered that these foods contain far more than the classic vitamins and minerals we all know about. They contain many other plant substances, known as phytochemicals, which can’t be put in a bottle or made into a pill!

Taking vitamins and food supplements is neither good nor bad, but unnecessary for most of us. They should be treated like any other medicine and consumed only when necessary and prescribed by a physician or a doctor. It is better to rely on consuming a balanced and nutritious diet for good health and longevity.

Apollo DKV Health Insurance Plan

With Easy Health Insurance Plan

Easy Health Insurance Plans are designed in a way to suit your need and fit your pocket. They will not only guard you against the spiraling medical costs but will also guide you on the path of wellness, providing you a double protection of prevention and cover. The Easy Health Insurance Plans are available for Individuals (Easy Health Individual Health Insurance Plan) and Families (Easy Health Family Health Insurance Plan). These Plans manage you and your families health-related needs right from consultation, hospitalisation to the post-hospitalisation.

These policies are available on a cashless basis in over 4000 Network hospitals thus managing your expenses and providing hassle-free transactions. To let you decide on what policy suits your needs they come in three variants, which gives you a choice to decide your premium.

The Easy Health Insurance policies are power-packed with unique features like cash credited on daily basis on choosing shared accommodation, daily cash for accompanying an insured child, maternity expenses*, health check-up, spectacles, contact lenses, etc. and out-patient dental treatment**.

* waiting period of 6 years (Easy Health Individual Health Insurance Plan) and waiting period of 4 years (Easy Health Family Health Insurance Plan)
** waiting period of 3 years

With best-in-class benefits

	Wide options Choose from the wide choices of the sum insured starting from Rs 1 lac to 10 lacs.
	Portability A customer-friendly policy that ensures that you avail most of the accrued benefits when you opt for Apollo DKV’s Easy Health Insurance Plans.
	Pre-Hospitalisation and Post-Hospitalisation cover Takes care of medical expenses incurred before and after the hospitalization.
	Cumulative bonus Get special incentives on every renewal after a claim-free year.
	Tax benefits Get tax benefits for the premium amount under Section 80D of the Income Tax Act.

With wide choices

We offer three plan variants, to help you choose what’s best for your needs. The cover amount ranges from Rs. 1,00,000 to Rs. 10,00,000 according to the product variant you choose.

Standard Plan
A plan that is tailor-made especially to fit every one’s pocket. Starting at just Rs. 3/day. Health insurance was never so accessible before. Read more…

Exclusive Plan
Covers maternity, which makes it unique in its class. Starting at Rs. 3450 per annum…. Read more…

Premium Plan
Take e-opinion from our expert panel of doctors who will guide you through this critical time starting at Rs. 5700 per annum. Read more…

Terms of Renewal

• We offer life-long renewal unless the Insured Person or any one acting on behalf of an Insured Person has acted in a dishonest or fraudulent manner or any misrepresentation under or in relation to this policy or the Policy poses a moral hazard.
• Maximum Age –There is no maximum cover ceasing age in this policy. For Additional cover of Critical Illness maximum cover ceasing age in this policy would be 70 yrs.
• Waiting Period - The Waiting Periods mentioned in the policy wording will get reduced by 1 year on every continuous renewal of your Easy Health Insurance Plan.
• Renewal Premium- Renewal premium are subject to change with prior approval from IRDA.
• Sum Insured Enhancement – Sum Insured can be enhanced only at the time of renewal subject to no claim have been lodged/ paid under the policy. If the insured increases the sum insured one grid up, no fresh medicals shall be required. In cases where the sum insured increase is more than one grid up, the case shall be subject to medicals. In case of increase in the Sum Insured waiting period will apply afresh in relation to the amount by which the Sum Insured has been enhanced. However the quantum of increase shall be at the discretion of the company.

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Disclaimer
This is only a summary of the product features.The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions.Please seek the advice of your insurance advisor if you require any further information or clarification.

Know More About www.apollodkv.co.in

	1.1 Who is Apollo DKV Insurance Company Limited? It is a Health Insurance Company promoted by Apollo hospitals in collaboration with DKV (Deutsche Krankenversicherung AG), the leading Health Insurance Company in Europe.
	1.2 Who is DKV?
	DKV (Deutsche Krankenversicherung AG) is part of Munich Re Group, which is the largest Reinsurance Company in the world. DKV is the leading Health Insurance Company in Europe
	1.3 Who owns Apollo DKV?
	It is a 74:26 partnership between Apollo Hospitals and DKV.
	1.4 Where is the Head Office of Apollo DKV?
	The Head Office of Apollo DKV Insurance Company Limited is in Gurgaon. The address is: Apollo DKV Insurance Company Ltd., 10th Floor, Tower – B, Building No. 10, DLF Cyber City, DLF City Phase II, Gurgaon, Haryana, Pin 122002 Phone: +91-124-4584333 Fax: +91-124-4584111
	1.5 What is the Toll Free number of Apollo DKV?
	Toll Free number is 1800 102 0333
	1.6 How long is the policy valid for?
	The policy is valid for one year.
	1.7 Is the premium exempted from Income Tax?
	The premium is exempt under Section 80D of the IT, Premium up to Rs.15,000/- qualifies for tax benefit under Section 80D of Income Tax Act
	1.8 How can I indemnify or claim benefits under the policy?
	The expenses or benefits can be claimed or indemnified by reimbursement or by availing cashless services at the hospitals.
	1.9 Who is our Health TPA?
	FHPL is our TPA for retail customers
	1.10 How do I go about getting in touch with someone for insurance?
	Use the tool `Contact Us`.
	1.11 Would I have to fill the proposal form again at the time of renewal?
	No, you would not have to do so.
	1.12 Do I have to undergo any medical examination?
	Medical examination may be required in some cases, based on the sum assured and the age of the person.
	1.13 Do I have to undergo a medical check up every year?
	Medical check up is valid for 3 years if the insured renews it without a break and the sum assured remains the same.
	1.14 Who pays for the medical examination?
	“The proposed insured(s) has to pay the cost of pre-policy check up (PPC) medical examination & investigations to the doctor/diagnostic centre. We will co-ordinate the appointment with our empanelled doctor/diagnostic centre through our appointed TPA. On acceptance of your application and subsequent issuance of the policy, the actual expenses incurred towards the pre-policy check up (PPC) shall be *reimbursed to you subject to a maximum of Rs 300. *re-imbursement to be claimed from Apollo DKV insurance company Ltd along with the original bill
	1.15 What is a Family Floater plan?
	A Family Floater is a single policy that takes care of the hospitalization expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.
	2. Related to Pre-Sale Queries
	2.1 Who is a medical practitioner?
	Medical Practitioner is one who is engaged in the medical profession, who holds a degree/diploma of a recognized institution and is registered by the Medical Council of the respective state in India. It will include a physician, specialist and surgeon.
	2.2 What do you mean by Pre and Post hospitalization?
	Pre and Post hospitalization expenses - covered for all relevant medical expenses incurred 30 days prior to hospitalization and expenses incurred during 60 days after hospitalization. By RELEVANT EXPENSES we mean all expenses pertaining to the disease for which he/she is hospitalized, prior to hospitalization. For Example: A person maybe required to undergo certain tests to confirm the disease for which he is eventually hospitalized. The Doctor's consultation fees for this, the expenses on tests and medicines 30 days prior to hospitalization for that particular disease are covered. RELEVANT EXPENSES for post hospitalization 60 days after being discharged from the hospital, e.g. the subsequent follow up consultations with specialists, medicines and test expenses are covered.
	2.3 What do you mean by pre-existing disease or conditions?
	By pre-existing we mean disease or condition which are existing in a person before the acceptance of the risk. The insured or person buying the policy may or may not be aware of these conditions. These conditions may aggravate and lead to serious medical conditions in the future.
	2.4 How can I indemnify or claim benefits under the policy?
	The expenses or benefits can be claimed or indemnified by reimbursement or by availing cashless services at the hospitals.
	2.5 Is cashless facility available at all the hospital?
	The cashless facilities are available only at the hospitals which are on network.
	2.6 Are all the major corporate hospitals on network?
	Most corporate hospitals are part of our network.
	2.7 Will I get cashless at government institutions like AIIMS/TMH/ARMY Referral hospitals?
	No, this facility does not extend to government hospitals.
	2.8 What is the procedure for availing cashless benefit?
	When you are admitted to the network hospital you need to show the Apollo DKV Card to the treating doctor. The Network Hospital would contact the responsible TPA (Third Part Administrator, mentioned on the card) and fill up the pre-authorisation form. Then it would send the same to TPA with estimation of expenses. The TPA checks the policy conditions and sum-insured and approves the estimate.
	2.9 If I avail cashless facility, will you pay the entire amount or will I be required to bear part of the bill at the hospital?
	Yes, a part will have to be borne by you, if it consists of the inadmissible amounts that are listed in the Terms and Conditions.
	2.10 In case of cashless treatments, in whose favour are cheques settled or who gets the payments?
	The cheques are send to the hospital to whom approvals for cashless are given.
	2.11 What is Co-Payment?
	Insurance policies have a feature where the insured bears some part of the admissible cost of treatment.
	2.12 Will there be any payments or out of pocket expenses to be made to hospitals and how are they adjusted?
	Some hospitals ask for advance to be deposited at the time of admission, but before the cashless are approved by us. It is generally refunded back by the hospital once cashless is approved. Special expenses like telephone bills, extra bed, food and beverages for visitors, tests or medicines which are not part of line of treatment are to be borne by the insured and will be part of out of pocket expenses.
	2.13 How do I find out which doctors or hospitals are part of your network?
	You can get this information from the "Welcome Kit" which will come along with the policy. You can also call the toll free number provided in the insurance policy or have a look at the `Find a Network Hospital` tool at this Webpage.
	2.14 How do you claim a reimbursement?
	You have to submit all the original bills, discharge summary, documents, claim form and photocopy of the Apollo DKV ID card to the regional Third-Party-Administrator (TPA) office, mentioned on the ID card and the User Guide. The claim will be reimbursed only after verification of the records if the ailment/disease falls under terms and conditions of the policy. The condition is covered then, the claim will be reimbursed.
	2.15 Should the claim be submitted to Apollo DKV or to the responsible Third-Party-Administrator (TPA)?
	The claim documents should be submitted to the responsible TPA, mentioned on the ID card and the User Guide.
	2.16 What is a waiting period?
	A waiting period is the length of time the insured may have to wait before being eligible for Health Policy benefits.
	2.17 Why should I take a Family Floater Health Plan if I already have health insurance from my employer, or if my family and I are already covered by my corporate?
	Your employer will cover your medical expenses only as long as you are in his services. Tomorrow, you may change your job, retire, or even start something on your own. In all such cases you and your family will be stranded if a medical emergency arises and you have not arranged for an alternative health insurance policy. It is at this point of time that Family Floater Health Insurance policy will come to your rescue. Family Floater Health Insurance policy can also act as a supplement to your existing medical cover in case the cost of medical treatment is higher than your existing cover level.
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	2.18 Do you sell individual policies and group policies?
	We offer both, group and individual policies.
	2.19 What is the basic difference between individual and group health insurance coverage?
	An individual policy is purchased by you directly from us. With a Group Health Insurance Policy, the group is the master insured and the insurance company contracts with the group. Insurance certificates, issued to a participating member, acts as your policy. In addition, group health insurance often contains special coverage's that are not available or are very expensive on an individual basis. The purchasing power of the group makes this economically feasible.
	2.20 Why should I buy Overseas Travel Insurance?
	In some instances Overseas Travel Insurance is required to get a visa to travel to certain countries. Schengen country (many countries of Western Europe constitute the Schengen countries) consulates insist on having Travel Insurance with a minimum of $37,500 coverage. However even if insurance is not required for visa purposes, it is still prudent to purchase health insurance for the following reason: Health care costs in India are much less when compared to developed countries like the USA, Japan and European countries. In most of these countries medical care is not subsidized by the government, and medical bills can easily exceed thousands of dollars which patients have to pay by themselves. Most people in these countries have some form of Health Insurance; however these insurance policies are not available to visitors. Given this scenario, purchasing Travel Insurance can be viewed as a necessity.
	2.21 Why should I buy a critical illness cover?
	Just for your information, a study conducted in Toronto's leading cardiac emergency hospital showed, that 91% of the patients who were admitted with a heart attack would have qualified for a Critical Illness pay out Similarly, 75% of all stroke victims survive and 60% of stroke survivors are left with a disability With the medical profession now saving more and more people are prolonging their life. It's almost as important to get Critical Illness Insurance as life insurance
	3. Related to After Sales Queries
	3.1 How can I add my family members to my existing policy?
	At the time of renewing an Individual Policy or Floater Policy you can add dependants to your existing policy subject to necessary procedure and approval from us. You cannot add dependants in the middle of a policy except in the case of a new born baby or a newly married spouse. For product specific conditions kindly refer to the product brochures.
	3.2 I want to increase my sum insured. How do I go about it?
	The sum insured can be increased only at the time of renewal of the insurance policy, subject to necessary approval from us
	4. General Queries
	4.1 What is a ‘cashless’ claim?
	In a Cashless claim the insured do not have to pay any deposit or any fees for the covered services at the network provider. The charges for the covered services are paid directly by the insurer to the service provider through the process of ‘Authorisation’
	4.2 What is a reimbursement claim?
	In a reimbursement claim the insured has to pay upfront for the services of the provider and seek reimbursement from the Insurer for the covered services
	4.3 What is Authorisation?
	In an authorisation process the insured or the service provider seeks an approval and guarantee of payment from the insurer or it’s TPA for the covered services before the hospitalisation / service for planned treatment and during the course of Hospitalisation / service for emergency treatment
	4.4 What do I do in case of a cashless claim?
	In case of a planned treatment, use your member ID card at any of our network provider .The Network provider will send the authorisation request note to us or our TPA. If the treatment is covered the TPA or the Insurer will send an authority letter to the provider for cashless treatment, if the treatment is not covered the TPA or the insurer will deny the cashless treatment. However, the insured can still continue with the treatment and submit the claim for reimbursement which will be processed by the TPA on its merit. .
	4.5 How to make intimation?
	You can make claim intimation by informing us on our / TPA’s toll free number or in writing to us / TPA at any of our offices. You will be entitled for the benefit of Pre 60 days and Post 90 days of hospitalisation, if you intimate us 5 days in advance of the treatment.
	4.6 Are there any charges by the hospital, which are not reimbursable and hence have to be paid by me even after “Cashless Service” has been authorized for treatment in the network hospitals?
	Yes. There are quite a few charges, which are not reimbursable and have to be paid by you even though you have been authorized for “Cashless Service” at the Network Hospitals. Some of those charges are enumerated below:  Registration/Admission charges  Attendant/Visitor pass charges  Special nursing charges not authorised by the attending doctor  Service charges not forming a part of the room rent  Charges for extra bed for attendant etc.  Bed retaining charges  Charges for TV, Laundry etc.  Telephone/Fax charges  Food and Beverages for attendants and visitors  Toiletries etc.  Purchase of Medicines not related to the treatment  Stationery, Xerox or certifying charges. The above list is only indicative and not exhaustive
	4.7 Are cosmetic treatments or medical attention for cosmetic purposes covered?
	No. Cosmetic treatments (including any complications arising out of or howsoever attributable to any cosmetic treatments), aesthetic treatments, experimental, investigational or unproven procedures or treatments, devices and pharmacological regimens of any description are not covered. The treatment of obesity (including morbid obesity) and any other weight control programs, services, or supplies is not covered.
	4.8 Does Easy Health policy covers benefits if one suffers illness/disease or contract injury through accident either in India or outside India?
	Yes, Easy Health protection is available for illness/disease contracted anywhere in the World provided the treatment is availed in India.
	4.9 How will the payment of claim be made?
	All claims will be payable in Indian currency by check or bank transfer.
	4.10 What is TPA?
	TPA stands for Third Party Administration. The TPA referred to in your policy documents is your contact to us. TPA is working on our behalf and is providing you with all of the services which are promised in your policy. In case of an insured event you are supposed to contact the TPA for intimation, request for authorization and claiming of benefits.
	4.11 How does one get reimbursement for pre- and post-hospitalisation expenses under this scheme?
	Your policy allows reimbursement of medical expenses incurred towards the ailment/ disease for which hospitalisation was medically necessary prior to hospitalization and after discharge. Send all invoices in original with supporting documents along with a copy of the discharge summary to the respective TPA. TPA will scrutinize the claim and settle the invoices subject to the overall limit of the policy. The invoices must be sent to TPA within 10 days from the date of completion of treatment. If you inform us of your hospitalization at least 5 days before admission, we will extend the timeframe for pre- and post-hospitalization expenses reimbursement from 30 days to 60 days (pre-hospitalization) and from 60 days to 90 days (post-hospitalization).
	4.12 How does one get reimbursements in case of treatment in non-network hospitals?
	Cashless hospitalisation is available only in network hospitals. You are at liberty to choose a non-network hospital also. In case you avail of treatment in a non-network hospital (see the definition of a hospital), we will reimburse you the amount of bills subject to the policy taken by the policyholder. Note: Only expenses relating to hospitalisation will be reimbursed as per the policy taken. All non-medical expenses will not be reimbursed.
	4.13 What are the benefits of your health card?
	A health card mentions the contact details and the contact numbers of the TPA along with your policy details. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital.
	4.14 What if I also have or intend to buy a medical policy of any other insurance company?
	It’s your choice, but you would have to intimate us of the same and the concerned insurance company.
	4.15 How do I find out which Hospitals are part of a given insurance network?
	You can also get this information by calling the toll free number provided in the insurance policy or log on to our website for details.
	4.16 Should the claim be submitted with the insurance company or with TPA?
	Preferably at TPA.
	4.17 Is Health check up covered under this policy?
	The insured person is entitled every two years for reimbursement of the cost of a medical check-up (subject to 1% of the SI) conducted in a registered diagnostic center if the preceding two completed policy years have been claim-free.
	4.18 What are the Non payable items?

Apollo DKV Health Insurance

APOLLO DKV INSURANCE COMPANY LIMITED (APOLLO DKV), a company incorporated in India under the Companies Act, 1956.
Corporate Office:Apollo DKV Insurance Company Ltd, Masterpiece, DLF Golf Course Road,Sector-54,Gurgaon – 122002, Haryana, India.

Registered Office:Apollo DKV Insurance Company Ltd, Apollo Hospitals Campus,Jubilee Hills, Hyderabad - 500033, Andhra Pradesh, India.

The company has been registered under section 3 (2A) of the Insurance Act, 1938 (Act 4 of 1938) and is engaged in the business of general insurance.

TERMS AND CONDITIONS GOVERNING THE USE OF APOLLO DKV'S WEB SITE BY VISITORS AND CUSTOMERS (AS DEFINED HEREIN).

Copyright (c) Apollo DKV Insurance Company Limited. All rights reserved.

GENERAL 1A. Definitions
In this document the following words and phrases have the meanings set opposite them unless the context indicates otherwise:
Affiliate of Apollo DKV shall mean and include:
a. Apollo Hospitals Group Companies and DKV Group companies; or
b. any company which is the holding or subsidiary company of Apollo Hospitals Group Companies; or

c. a person under the control of or under common control with Apollo Hospitals Group Companies; or

d. any person, in which Apollo DKV has a direct or beneficial interest or control in 26% or more of the voting securities of such person.

For the purpose of this definition of Affiliate, "control" together with grammatical variations when used with respect to any Person, means the power to direct the management and policies of such Person, directly or indirectly, whether through the ownership of the vote carrying securities, by contract or otherwise howsoever; and "Person" means a company, corporation, a partnership, trust or any other entity or organisation or other body whatsoever.

Advisor means a general insurance agent attached to Apollo DKV, and who holds a license for being an Insurance Agent from the Insurance Regulatory and Development Authority, India (“IRDA”)

Bank Account refers to the Customer's account with any bank acceptable to the Company ("Approved Bank"), which may either be a current account, savings account, fixed deposit, term deposit or any other account facilities that the Approved Bank may offer from time to time.
Call Center means the call center set up by Apollo DKV to assist Customers of Apollo DKV with respect to various transactions and to furnish information etc.

Customer means a Policy Holder accessing the Web Site for obtaining information on Apollo DKV's insurance products, including access to all facilities that are or may be provided / offered to the Visitors and Customers from time to time on the Web Site.

Customer Password means the password or other means of authentication as Apollo DKV may specify from time to time provided to/required to be provided to the Customer, and using which the Customer may authorise transactions which shall include but shall not be limited to downloadable request for proposal and claim forms for various insurance products that are offered by Apollo DKV, etc. Apollo DKV may decide to permit other transactions or to discontinue existing transactions from time to time, further details of which shall be provided on the Web Site.

Company or Apollo DKV / We means Apollo DKV Insurance Company Limited, and shall include the successors and/or assigns of Apollo DKV.

Policy means the various insurance policies that Apollo DKV may offer from time to time.
Policy Holder means a person who purchases a Policy from Apollo DKV.

Terms or Terms and Conditions means the terms and conditions for use of the Web Site, as specified herein, by Visitors and Customers.

Transaction Password means the password, or other means of authentication as Apollo DKV may specify from time to time, that is provided by Apollo DKV to the Customer upon provision of which, the Customer would be able to authorise transactions specified by Apollo DKV from time to time, further details of which shall be provided on the Web Site.

Visitor means any person having access to the Web Site for general information about Apollo DKV and its products and other facilities offered from time to time on the Web Site.

Web Site means the portal located at the URL www.apollodkv.co.in

You/Your means the Visitor or Customer, as may be applicable.

In this document, all references to the Visitor or Customer in masculine gender shall be deemed to include the feminine gender and singular includes plural and vice versa and the word "includes" should to be construed as "without limitation".

1B. Applicability of Terms
These Terms and Conditions, in so far as they refer to the Visitor and Customer, form the agreement between such Visitor/Customer and Apollo DKV. By accessing the Web Site, the Visitor or Customer unconditionally acknowledges and accepts these Terms and Conditions.

1C. Right To Alter The Services
Apollo DKV reserves the right to add, amend, revise suspend or cancel in whole or in part any of the Website, services, etc., which are, or may become, part of the Web Site, without any prior notice to the Visitors or Customers, at any time and for any reason. Any addition, suspension, revision, amendment, cancellation or suspension shall be effective and binding on the Visitors and Customers. Apollo DKV may introduce new services in relation to the Web Site from time to time. The existence and availability of the new services will be notified on the Web Site as and when they become available and any revisions in the Terms and Conditions will take place in accordance with these Terms and Conditions.

2. TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE VISITORS
Acceptance of the Terms
By accessing the Web Site, the Visitor unconditionally acknowledges and accepts these Terms and Conditions.

Consulting Services
The availability of the information and guidance as part the Web Site does not constitute a recommendation by Apollo DKV, of any medical practice, particular medicine, or to buy any policies etc., discussed therein by Apollo DKV or any of their personnel. Visitor shall be solely responsible for any decisions, which the Visitor should arrive at after Visitor's own evaluation of the policies / products of Apollo DKV and his/her need for the same, and post consultation with any of Visitors advisors.. While adequate care would be taken to ensure completeness, accuracy, etc., of the information/services provided, neither Apollo DKV nor any of their personnel shall in any circumstance be liable for any loss or damage caused by a Visitor's reliance on information obtained through the Web Site. It is the sole responsibility of the Visitor to evaluate the completeness, accuracy or usefulness of any opinion, guidance or other content made available on the Web Site and the Visitor should consult his/its own legal counsel, business advisor, medical advisor and tax advisor as to the legal, business, medical, tax and related matters concerning any policies with respect to which guidance is sought or given at the website.

3. TERMS OF USAGE OF THE SITE WITH REFERENCE TO THE CUSTOMERS
Customer Password and Transaction Password
In the event that Apollo DKV has, or may from time to time, introduce or offer certain services on the Web Site which require authentication procedures, the Customer would be able to access such services by using the Customer ID and the Customer Password. By using the Customer ID and the Customer Password the Customer can authorise the transactions. The Customer may be provided a Transaction Password, which would enable the Customer to carry out such transactions as may be specified from time to time by Apollo DKV. The Customer would not be able to carry out the transactions without the use of the Transaction Password. The terms governing the Customer ID, Customer Password and Transaction Password are as follows:
Subject to the Terms, Apollo DKV shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are part of the Web Site using technology reasonably available to Apollo DKV. The Customer confirms and agrees that he will be the sole and exclusive owner and is the only authorised user of the Customer ID and the Customer Password and/or Transaction Passwords and accepts sole responsibility for use, confidentiality and protection of the Customer ID and the Customer Password and/or Transaction Passwords as well as for all transactions authorised by such password/s and shall ensure that the password/s is/are not revealed to any third party or recorded in any written or electronic form. If the Customer forgets /loses the Customer ID or the Customer Password/Transaction Password, or is otherwise desirous of a change in the said passwords, Customer can request for change of the password(s) by sending a written request to Apollo DKV at the address or notify the indicated telephone number of the Call Centre. On the receipt of such a request Apollo DKV shall discontinue the use of the old Customer Password and/or Transaction Password(s) and shall generate a new password(s) for the Customer, which shall be communicated to the Customer or require the Customer to procure a fresh means of authentication. However, the Customer shall be responsible and liable for all transactions that are carried out by the use of the Customer ID or the Customer Password/ Transaction Password, as the case may be, till the time of discontinuation of the current Customer ID or Customer Password or Transaction Password. Any transaction authorised by using the Customer ID and Customer Password / Transaction Password is deemed to be that of the Customer and Apollo DKV is not responsible for any mistake / error made by the Customer as to the nature of the transaction. If third parties gain access to the services offered through the use of the Customer ID and Customer Password/Transaction Password, the Customer shall be deemed to be responsible for the transaction and the Customer hereby indemnifies and holds harmless Apollo DKV against any liability, costs or damages arising out of such transaction or claims or suits by or against such third parties based upon or relating to such access and use. The Customer shall be solely responsible for (a) providing and maintaining the communications equipment (including personal computers and modems) and telephone or alternative services required at the Customer's end for accessing and using the Web Site or related services, and (b) for all communications service fees and charges incurred by the Customer in accessing the Web Site or related services. It is the Customer's responsibility to ensure that no unauthorised person has access to his computer or leave it unattended whilst accessing the Web Site. Apollo DKV would be entitled, at its sole discretion, to seek offline written or other confirmation from the Customer of any transaction as it may deem fit. The Customer shall promptly and immediately notify Apollo DKV in writing, delivered via e-mail and/or Registered AD, or notify through the indicated telephone number of the Call Centre on the Customer becoming aware of any loss, theft or unauthorised use of the Customer ID and/or Customer Password/Transaction Password; or any receipt by the Customer of confirmation of any transaction which the Customer did not authorise; or any inaccurate information in the Customer's account balances, securities positions, or transaction history. Whereupon Apollo DKV will investigate the matter and if possible or permitted, under the applicable laws or Company policies, cancel/modify any transaction or refund any portion of the amounts paid by the Customer, at the sole discretion of Apollo DKV. However notwithstanding anything herein, the Customer shall be fully liable for any transaction authorized by Customer Password or Transaction Password. Neither Apollo DKV nor any of their officers, directors, employees, Advisors, Affiliates or subsidiaries can or will have any responsibility or liability to the Customer or to any other person whose claim may arise through the Customer with respect to any of the circumstances described above. Under no circumstances shall Apollo DKV or anyone involved in creating, producing, delivering or managing the services which are part of the Web Site be liable for any direct, indirect, incidental, special or consequential damages that result from the use of or inability to use the services, or out of any breach of any warranty. In the event that the certifying authorities and other infrastructure contemplated under the Information Technology Act, 2000, for ensuring secure electronic records and secure digital signatures is notified by the concerned authorities and the infrastructure to enable the same is in place, Apollo DKV would have the right to require the Customers to authorise use, operate or otherwise authorise, the transactions by means of digital signatures or other means of authentication as Apollo DKV may require and/or discontinue the usage of the Customer Password and the Transaction Password. Subject to the Terms and Conditions, Apollo DKV shall take reasonable care to ensure the security of and to prevent unauthorized access to the services, which are being provided through the Web Site using technology reasonably available to Apollo DKV. 4. Authority to Apollo DKV
Apollo DKV may permit Customer to transact on the Website and where the Customer chooses to transact on the Website, the Customer irrevocably and unconditionally (a) agrees to the terms and conditions applicable to such transactions outlined on the web, and (b) authorises Apollo DKV to carry out his instructions, effecting such transactions in accordance with these Terms and such other terms as may be specified by Apollo DKV, and (c) agrees to discharge any of Customers obligations which may arise therefrom. Certain transactions would be effected only after the Customer authorises it by using the Customer/Transaction Password and Apollo DKV shall have no obligation to verify the authenticity of any such duly authorised transaction.

5. Evidence Of Transactions
In respect of any transactions which may be permitted by Apollo DKV via the Website from time to time, Apollo DKV's own records of such transactions, maintained through computer systems or otherwise, shall be accepted as conclusive and binding on the Customer for all purposes. More particularly, the record of Apollo DKV generated by the transaction(s), including the recording of the time of the transaction(s), shall be conclusive proof of the genuineness and accuracy of such transactions.

6. Legal Disclaimer
The Web Site is maintained by Apollo DKV and your use of the Web Site is subject to the Terms and Conditions and all applicable Indian laws. This Website is offered to you on the condition that you accept the Terms and Conditions contained herein, without modification or reservation of any of the terms, conditions and notices contained herein and by accessing and browsing this Website, you accept, without limitation or qualification, the Terms and Conditions and acknowledge that any other agreement between you and Apollo DKV governing your access/use to this Website are superseded and of no force or effect. This Web Site may contain links to other websites, web-pages and services also operated by Apollo DKV and / or its Affiliates (the "Apollo Sites"), and your use of each Apollo Site is also subject to the Terms and Conditions and other terms and guidelines, if any, contained within each such Apollo Site. In the event that any of the terms, conditions, and notices contained herein conflict with the Terms and Conditions or other terms and guidelines contained within any particular Apollo Site, then the Terms and Conditions and other terms and guidelines for such Apollo Site shall prevail. You hereby agree and confirm that you shall click on the links to, and familiarize yourself with the terms and conditions and other terms and guidelines found throughout this Web site and the Apollo Sites and abide by them if you choose to use the sites, pages or services to which they apply. You should assume that everything you see or read on the Website (including but not limited to directories, guides, news articles, opinions, reviews, text, photographs, images, illustrations, profiles, audio clips, video clips, trademarks, service marks and the like, (collectively "the Content")) is copyrighted/ protected by intellectual property laws unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on the Website, or without the prior written permission of Apollo DKV. Apollo DKV neither warrants nor represents that your use of materials displayed on the Website will not infringe patent, copyright or any intellectual property rights or any other rights of third parties not owned by or affiliated with Apollo DKV. The disclaimer as set forth herein is in addition to the legal disclaimer as specified in the website www.apollodkv.co.in
6. Terms and Conditions of Use
The Website is deemed to be accessed or in use by you when it is loaded in temporary or permanent memory of the computer (including any other device such as a mobile phone with internet browsing via GPRS facility, etc.) you are utilizing to access the Website.
7. Restrictions on Use
Unless expressly permitted by Apollo DKV, You agree not to use the Web Site except strictly for your personal use. You agree not to use this Web Site for any illegal purpose or in any manner inconsistent with these Terms and Conditions. You agree not to use, transfer, distribute or dispose of any information contained in the Web Site in any manner that could compete with the business of Apollo DKV or otherwise compromise or imperil the interests of Apollo DKV. You acknowledge that the Web Site has been developed, compiled, prepared, revised, selected and arranged by Apollo DKV and others (including certain other information sources) through the application of methods and standards of judgement developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and may also include trade secrets of Apollo DKV and such others. By accessing the Website, You agree to protect the proprietary rights of Apollo DKV and all others having rights in the Web Site or its content during and after the term of this agreement and to comply with all reasonable written requests made by Apollo DKV or its suppliers of content, equipment or otherwise to protect their and others' contractual, statutory and common law rights in the Web Site. You agree to notify Apollo DKV in writing promptly upon becoming aware of any unauthorized access or use of the Web Site by any party or of any claim that the Web Site infringes upon any copyright, trademark or other contractual, statutory or common law rights. You may download and retrieve data from the Web Site on your computer screen, print individual pages on paper, photocopy and store such pages in an electronic form on disk (but not on any server or other storage device connected to a network) for your exclusive personal use only. You further acknowledge that all the intellectual property in the Web Site continues to vest with us or our licensors, as applicable.
8. You shall not:
Reverse engineer, decompile, disassemble, copy, reproduce, distribute, modify, transmit, perform, publish or create derivative works from or in any way exploit any of the services or content, in violation of the Terms and Conditions or the laws of any country; or Create a database in electronic or structured manual form by systematically downloading and storing all or any part of the Web Site save and except such information as relates to your Policy, if you are a Customer; or Rent, lease, sell, sublicense, or lend your access to the Web Site; or Cache or permit caching by any person; or Do any act that violates our intellectual property in the Website; or Engage in any fraudulent, abusive or illegal activity, including but not limited to any prohibited activity outlined in the Information Technology Act, 2000, communication or solicitation designed or intended to fraudulently obtain the password or any private information of any use; or Use the Web Site to violate the security of any computer network, crack pass words or security encryption codes, transfer or store illegal material including threatening or obscene material or engage in any kind of illegal activity; or Run mail list or any form of auto-responder, or spam on the Web Site or any processes that are run or are activated while you are not logged on; or Any activity which results in manipulation, defacement, hijacking, hacking, etc., of the Website.

Although Apollo DKV reserves the right to monitor or review any facilities, if established or otherwise offered at the Web Site for discussions, chats, postings, transmissions, bulletin boards, and the like on the Website, Apollo DKV is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the Web Site. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. If you find that any such chat, posting, bulletin board, etc., is obscene, libelous, falsehood, inaccurate, etc., with regard to any person or personally affects you, you can immediately contact Apollo DKV with details of such matter, and Apollo DKV may (post their determination of the matter) take appropriate action. Apollo DKV will fully cooperate with any law enforcement authorities or court order requesting or directing Apollo DKV to share the details odf such postings, disclose the identity of anyone posting, or any such information or materials.

9. Access restriction
We reserve the right to restrict, partly or in whole, at our sole discretion and for any reason Apollo DKV may deem necessary, your access to the Web Site, including any portion thereof, without any prior notice or intimation.

10. Intellectual Property
We grant you the right to access this Web Site in accordance with these terms and conditions, and for no other purpose. Please note that the services and content on the Web Site, including but not limited to text, content, photographs, video, audio and graphics, are either the property of, or used with permission by, Apollo DKV and/or by Apollo DKV's licensors/suppliers and may be protected by applicable copyrights, trademarks, service marks, international treaties and/or other proprietary rights and laws of India and other countries. The trademarks, logos, slogans and service marks (collectively the "Trademarks") displayed on the Web Site, whether registered and unregistered, are proprietary Trademarks of Apollo DKV and others. Nothing contained on the Web Site should be construed as granting, by implication, estoppels, or otherwise, any license or right to use any Trademark displayed on the Web Site without the written permission of Apollo DKV or third party that may own the Trademarks. Your use of the Trademarks displayed on the Web Site, or any other content on the Web Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that Apollo DKV will aggressively enforce its intellectual property rights to the fullest extent permitted under the law, including the seeking of criminal prosecution. We shall be entitled to obtain equitable relief (including all damage, direct, indirect, consequential and exemplary), over and above all other remedies available to us, to protect our interests therein.

11. Links to third party web sites
This Web Site may contain links to websites operated by parties other than us. These links in this Website will let you leave www.apollodkv.co.in . Such links are provided for your convenience only and Apollo DKV does not control such websites, and is not responsible for their policies or content. Your use of such websites is subject to the terms of use and other terms and guidelines, if any, contained within each such website. In the event that any of the terms contained herein conflict with the terms of use or other terms and guidelines contained within any such website, then the terms of use and other terms and guidelines for such website shall prevail in regard to your use of such website. You agree to click on the links to, and familiarize with, the terms of use and other terms found in the sites to which this Web Site has links to, and abide by them.

The linked websites are not under our control and we are not responsible for the contents of any such linked website or any link contained in a linked website, advertisements appearing in or products offered by or any changes or updates to such websites. We are providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by us of the linked website.

12. Software Available on the Web Site
Software or information (if any) that is made available for use or download from this Web Site ("Software") is the copyrighted work of Apollo DKV and/or its licensors. Your use of the Software is governed by the terms of the end user license agreement (“License Agreement”), if any, which accompanies or is included in the Software. You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

13. Indemnification
You agree, at your own expense, to indemnify, defend and hold harmless Apollo DKV, its directors and employees, representatives, suppliers and Advisors (“Apollo DKV Indemnitees”), against any claim, suit, action or other proceeding brought against Apollo DKV Indemnitees, to the extent that such claim, suit, action or other proceeding is based on or arises in connection with the use of this Web Site, or any links therein, including, but not limited to :
Your use or someone else's use of your access to the Web Site; or Your use/operation or someone using/operating or conducting any transactions, where applicable; or A violation of the terms and conditions contained herein by you or anyone using your or any other computer; or A claim that any use of the Web Site by you or someone using your computer infringes any Intellectual Property Right of any third party, or any right of personality or publicity, is libelous or defamatory, or otherwise results in injury or damage to any third party; or Any deletions, additions, insertions or alterations to, or any unauthorized use of, the Web Site by you or someone using your computer; or Your use of any Software, in violation of the Terms and/or License Agreement; or Any misrepresentation or breach of representation or warranty contained herein made by you; or Any breach of any covenant or agreement to be performed by you hereunder; or

You agree to pay any and all costs, damages and expenses, including, but not limited to, reasonable attorneys' fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action or proceeding attributable to any such claim.

14. Disclaimer of warranties

You expressly agree that use of the Web Site is at your sole risk. The Web Site is provided on an "as is" and "as available" basis.

Except as warranted in these Terms and Conditions, we expressly disclaim all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy & completeness, and any warranties relating to non-infringement.

We shall not be responsible or liable for the authenticity, accuracy, completeness, errors, omission, typographic errors, disruption, delay, interruption, failure, deletion, defect of any information, research, reports, analysis, quotes etc in this Web Site or any part thereof.
We shall not incur any liability direct or indirect, to you or any third party, as a consequence of non-functioning of any equipment belonging to you, any third party or us. We shall not be responsible for any downtime of such equipment.

We do not warrant that access to the Web Site will be uninterrupted, timely, secure, or error free; nor do we make any warranty as to the results that may be obtained from the Web Site or as to the accuracy or reliability of the content contained therein.

We make no warranty regarding the transactions entered into through the Web Site. No advice or information, whether oral or written, obtained by you from or through the Web Site or any person shall create any warranty not expressly stated herein.

We shall not be liable for any action taken by you based on or relying on the information provided in or by the Web Site.

We will not be liable for any virus that may enter your system as a result of you using the Web Site. We make no guarantees to you or third parties that the content contained on the Web Site would be free from viruses, worms, Trojan horses, etc. . We will not be liable for any direct, incidental or consequential loss, which may be caused to you by such malware as a result of your use of the Web Site.

If you are dissatisfied with any portion of this Web Site or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue using the Web Site.

15. Use of "cookie" file features
Apollo DKV reserves the right to store information on a user's computer in the form of a "cookie" or similar file for purposes of modifying the Web Site to reflect users' preferences

16. Limitation of liability
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL APOLLO DKV, ITS EMPLOYEES AND DIRECTORS, ITS SUPPLIERS AND ITS THIRD PARTY ADVISORS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING PUNITIVE OR EXEMPLARY (INCLUDING, BUT NOT LIMITED TO, DAMAGES CAUSED BY ANY VIRUS, PERSONAL INJURY, LOSS OF PROFITS, DATA OR OTHER INTANGIBLE, BUSINESS INTERRUPTION, LOSS OF PRIVACY, OR ANY OTHER PECUNIARY LOSS), ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE/DELIVERY/PERFORMANCE OF THIS WEB SITE, WITH THE DELAY OR INABILITY TO USE THIS WEB SITE OR ANY LINKS OR ITEMS ON THE WEB SITE, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THIS WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEB SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHER WISE, OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND REPAIR & CORRECTION SERVICES OR RESULTING FROM THE USE OF THIS WEB SITE OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE WEB SITE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

YOU AGREE THAT WE SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM INTERRUPTION, SUSPENSION OR TERMINATION OF THE WEB SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, WHETHER SUCH INTERRUPTION, SUSPENSION OR TERMINATION WAS JUSTIFIED OR NOT, NEGLIGENT OR INTENTIONAL, INADVERTENT OR ADVERTENT. IN NO EVENT SHALL OUR LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE WEB SITE OR FOR OBTAINING A POLICY OR SERVICE FROM THE WEBSITE, AS APPLICABLE.

17. Modification of these Terms and Conditions
Apollo DKV has the absolute discretion to amend or supplement any of these Terms at any time and will endeavour to give prior notice of five days for such changes wherever feasible. The notice of modifications to the Terms shall be displayed on the Web Site. In the case where the Customer no longer wishes to use the Web Site on such new terms and conditions he/she is entitled to terminate his/her relationship in accordance with the termination clause in these Terms. On and from the date on which the notice of amendment, modification or supplement is notified by display on the Web Site, the Customer shall, by virtue of these Terms and without any further act, deed or writing on the part of any party, be deemed to have accepted the changed terms and conditions by his further use/access or visit to the Web Site.

18. Severability
If any part of these Terms and Conditions are determined to be invalid or unenforceable pursuant to applicable law, rule, administrative order or judicial decision by any court, or regulatory or self-regulatory agency or body, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then such invalidity or unenforceability shall attach only to such provision or condition and the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms and Conditions shall continue in effect as if any such invalid or unenforceable provision or condition was not contained herein.

19. Notices
Notices under these Terms may be given by Apollo DKV and the Customer in writing by delivering them by hand or by sending them by post to the last address given by the Customer and in the case of Apollo DKV to the contact address mentioned on the Web Site.

In addition, Apollo DKV may also publish notices of general nature, which are applicable to all Visitors or Customers in a newspaper or on its Web Site. Such notices shall have the same effect as a notice served individually to each Visitor or Customer.

In the case of hand delivery, cable, telex, facsimile notices or electronic communication, notices or instructions will be deemed served 7 days after posting or upon receipt as the case may be. Documents, which may be sent by electronic communication between the parties, may be in the form of an electronic mail, an electronic mail attachment, or in the form of an available download from the Web Site. Apollo DKV shall be deemed to have fulfilled any legal obligation to deliver to the Customer, if any such document is sent via electronic delivery at the electronic mail id last provided by the Visitor or Customer. Any instructions received from the Customer/Visitor by means of electronic delivery or by facsimile would be deemed to have been sent on paper.

20. Jurisdiction
This Agreement is subject to the laws of Republic of India, and in respect of any matter arising herein, the courts at Gurgaon shall have exclusive jurisdiction. Apollo DKV accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that the Web Site can be accessed by a Visitor or a Customer in a country other than India would not mean that the laws of the said country would govern these Terms and/or the Web Site operations of the Customer and/or the use of the Web Site by the Visitor or the Customer.

Apollo DKV offers Policies strictly in accordance with the IRDA regulations, as may be amended from time to time by IRDA . Before availing of any services or Policies, it shall be the sole responsibility of foreign residents including NRIs in foreign jurisdictions to ascertain/verify from Apollo DKV, whether the services available on the Web Site can be accessed and utilised in their respective jurisdictions.

21. Miscellaneous
You agree that no joint venture, partnership, employment, or agency relationship exists between us as a result of these Terms and Conditions or use of this Web Site.


Apollo DKV's performance under this agreement is subject to existing laws and legal process, governmental, court and law enforcement requests.


You acknowledge that any rights not expressly granted herein are reserved solely with Apollo DKV.


These Terms and Conditions constitute the entire agreement between us with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between us with respect to this Web Site.


The clause headings in these Terms and Conditions are for only for convenience and do not affect the meaning of the relative term.


Apollo DKV may sub-contract and employ Advisors to carry out any of its obligations under these Terms and Conditions. Apollo DKV may transfer or assign its rights and obligations under this contract to any Affiliate.


Apollo DKV shall try and ensure that all information that is provided on the Web Site with respect to policies / products are accurate in all respects and are kept up to date. However, Apollo DKV does not guarantee the timeliness, accuracy, completeness, reliability or content of the information and any changes that are made with respect to the same and the Visitor/Customer is required to check the accuracy of the same with the office of Apollo DKV.
All transactions, which cannot be carried out instantaneously, would be carried out during working hours either on the same day or on the next working day or such further period as may be determined and/or specified by Apollo DKV depending upon the time of logging of the transaction

All transactions that are carried out by the Customer at the Website, shall be subject to Government notifications, the rules, regulations and guidelines issued by the Insurance Regulatory and Development Authority, the Securities and Exchange Board of India, the Reserve Bank of India, and those of other regulatory bodies defining rules/regulations governing the offer of any service on the Web Site.

Apollo DKV may from time to time send to you by e-mail or otherwise, information relating to products and services offered by its Affiliates, general information related to financial and other services, life, health and general insurance products.
22. Contact
If you have any questions you may contact us at customerservice@apollodkv.co.in