Terms & Conditions

This website is owned and operated by Rinoj Thomas (IRDAI Certified Registered Insurance Advisor) under the brand Rinoj Cares Health And Wealth. Its purpose is to provide general information about insurance products and to help visitors get in touch for personalised guidance.

Rinoj Thomas operates as an IRDAI Certified Registered Insurance Advisor. All insurance policies are issued and underwritten by the respective insurance companies and are governed by the policy documents, IRDAI regulations and applicable laws of India.

While we make every effort to keep information on this website accurate and up to date, product features, premiums and eligibility criteria may change without notice. Please confirm all details with us or with the insurer before purchasing any policy.

We do our best to guide every claim to a smooth settlement and maintain a 99% cashless record, but final claim decisions rest solely with the insurance company as per the terms, conditions and exclusions of the underlying policy. We do not guarantee any specific claim outcome.

All content, images, videos, logos and design elements on this website are the property of Rinoj Cares Health And Wealth or their respective owners, and may not be reproduced without written permission.

Rinoj Cares Health And Wealth shall not be liable for any indirect, incidental or consequential loss arising from the use of this website, or from decisions made based on general information provided here without personalised consultation.

These terms are governed by the laws of India. Any disputes shall be subject to the exclusive jurisdiction of the courts of Kerala.

For any questions about these terms, please contact us at +91 97784 49776 or rinojthomas800@gmail.com.