Disclaimer

Last updated: July 1, 2026

1. General information only

The content published on FCL Insurance — including but not limited to blog articles, plan comparisons, category guides and FAQs — is provided for general informational purposes only. It is not intended to be, and should not be construed as, financial, legal, tax or professional insurance advice. Every individual's insurance needs are different, and you should evaluate any plan based on your specific circumstances.

2. Not a substitute for professional advice

While we strive to present accurate and helpful comparisons, nothing on this Platform should replace a conversation with a licensed insurance advisor, or a careful reading of the official policy wording, terms, exclusions and disclosures provided directly by the insurer before purchase.

3. Accuracy of third-party information

Premiums, coverage details, sum insured ranges, waiting periods and other plan features referenced on this Platform are sourced from publicly available information and data shared by our insurance partners. These details are subject to change at any time at the sole discretion of the respective insurer. FCL Insurance does not guarantee the completeness, accuracy or current validity of any third-party plan information at the time you view it. Always verify final terms directly with the insurer before purchase.

4. No guarantee of outcomes

FCL Insurance does not guarantee that any plan compared or recommended through the Platform will be approved, that claims will be settled in any particular manner, or that premiums quoted will remain unchanged at the time of purchase. Underwriting decisions, claim approvals and final pricing rest solely with the insurer.

5. Trademarks and brand references

Names such as Care Health, HDFC ERGO, ICICI Lombard, Axis Max Life, TATA AIG and Star Health are trademarks of their respective owners and are referenced on this Platform solely for comparison and informational purposes. Such references do not imply endorsement of FCL Insurance by these companies unless explicitly stated through a formal partnership disclosure.

6. External links

This Platform may contain links to third-party websites, including insurer portals. We are not responsible for the content, accuracy or privacy practices of any external website, and inclusion of a link does not imply endorsement.

7. Limitation of liability

To the extent permitted by applicable law, FCL Insurance, its affiliates, employees and partners shall not be held liable for any loss or damage arising from decisions made based on information presented on this Platform, including financial loss related to insurance purchases.

8. Questions about this disclaimer

If you have questions about this Disclaimer, please contact us at info@fclinsurance.com.