Terms and Conditions

Of IDDAssurance LLP (Website & Mobile Application)

Introduction

Welcome to the iddassurance.com website (“Website”) operated by IDDAssurance LLP, referred to as “IDDA” in this document. These Terms of Use (“Terms” or “Agreement”) govern your access and usage of the Website and the valuable services provided herein. By utilizing our platform, you acknowledge and agree to abide by these Terms of Use, as well as our Privacy Policy, which outlines how we handle your personal information.

IDDA takes pride in being the pioneer in addressing the gap of Mediclaim or insurance coverage in the Dermatology and Dentistry services. As a solution, we have established the Doctors Panel at pan India level to benefit the mass population. Our platform empowers Users by providing the liberty to select their preferred doctors based on qualifications, experience, reviews, and further offers the convenience of booking appointments online for derma or dentistry services.

We commit to adhering to the regulations set forth by the Medical Council of India (MCI) and the Dental Council of India (DCI). As per these regulations, we will not offer discounts to patients that violate the guidelines established by the respective councils. However, we strive to enhance access to oral care and skin care services by offering partial reimbursements on services rendered. Through this initiative, we aim to encourage individuals to prioritize their healthcare needs and provide them with valuable financial support for their treatments.

Additionally, we extend relevant subscription proposals that encompass specific details and benefits tailored to your individual healthcare needs. Our aim is to provide you with a comprehensive and rewarding healthcare experience through our Subscription Services.

Whether you seek general medical consultations or specialized treatments in Dermatology and Dentistry, IDDA is here to cater to your healthcare needs. We value your trust and strive to create a secure, transparent, and supportive ecosystem that puts your health and well-being first.

Please read these Terms of Use carefully to understand the conditions and responsibilities associated with using our website and services. Should you disagree with any part of this Agreement, we recommend refraining from accessing or using our website. Your continued use of the Website constitutes your consent to these Terms of Use and Privacy Policy.


Index :


  • Applicability of terms

    • The applicability of these terms extends to all Users who access the iddassurance.com or any of its subdomains website (“Website”) through any platform, whether it be web or mobile. Regardless of the mode of access, all Users utilizing the Website and the services provided by IDDA are bound by these Terms of Use (“Terms” or “Agreement”).


      These terms cover patients above 18 years of age seeking Dermatology and Dentistry treatment through the platform. For any person below 18 years of age (a child) accessing the Website and requiring medical treatment, their legal guardian or caregiver must provide explicit consent for the medical services. This explicit consent applies equally to doctors or consultants entering patient information on behalf of the minor patient.


      By accessing the Website through any platform, you acknowledge and agree to abide by these Terms of Use, as well as our Privacy Policy, which outlines how we handle your personal information. Whether you access the Website on the web or through a mobile device, your usage is governed by these terms and conditions. It is essential to read these Terms of Use carefully to understand the conditions and responsibilities associated with using our website and services. If you disagree with any part of this Agreement, we recommend refraining from accessing or using our website. Your continued use of the Website constitutes your consent to these Terms of Use and Privacy Policy.


      The Agreement's terms shall hold precedence over any oral or other written understandings that the User may have received or become aware of concerning the IDDA Services. By choosing to avail the Services, the User provides irrevocable, voluntary, and explicit consent to the terms laid out in the Agreement, and further acknowledges that any other understanding that may have been previously established with IDDA in any other form or manner is superseded.


      Should you disagree with the terms outlined in the Agreement, it is imperative that you promptly cease using your own account on the IDDA Services. Your continued use of the services implies your acceptance and adherence to the terms specified herein.

  • Nature of terms

    • The Nature of Terms for IDDA governs the usage of the Platform's services in compliance with applicable Indian medical laws. As a responsible healthcare intermediary, IDDA aims to provide a seamless and ethical healthcare experience for its users while adhering to the highest standards of medical ethics, patient safety, data protection, and consumer rights.


      The Nature of Terms for IDDA is established to ensure that all Users, including patients and healthcare practitioners, can confidently access and utilize the Platform in accordance with the prevailing Indian legal framework. By aligning with Indian medical laws, IDDA reaffirms its commitment to transparency, accountability, and legal compliance while delivering online healthcare services.


      Please read these Nature of Terms carefully to understand the conditions and responsibilities associated with using IDDA's services in India. As the legal and regulatory landscape may evolve, IDDA shall continuously adapt and update these terms to remain in harmony with the ever-changing Indian medical laws, ensuring a secure and trustworthy healthcare platform for all stakeholders. Your use of the Platform signifies your acceptance and adherence to these Nature of Terms for IDDA. If you have any concerns or queries, please do not hesitate to reach out to us for clarification.



      The laws relevant to governing IDDA's operations in India are:

      1. The Indian Medical Council Act, 1956: This Act regulates medical education, registration of medical practitioners, and their professional conduct. It sets the standards for medical practice in India.
      2. Drugs and Cosmetics Act, 1940: This Act governs the manufacture, sale, distribution, and import of drugs and cosmetics in India. It ensures the safety, quality, and efficacy of pharmaceutical products.
      3. Information Technology Act, 2000: Also known as the IT Act, this legislation addresses electronic commerce, digital signatures, and electronic records. It provides the legal framework for electronic transactions and data protection.
      4. The Personal Data Protection Bill (currently a draft): This proposed legislation aims to protect personal data and privacy rights of individuals in India. Once enacted, it will govern the collection, storage, and processing of personal data by entities like IDDA.
      5. Consumer Protection Act, 2019: This Act focuses on consumer rights and protection. It ensures fair practices by service providers and provides a mechanism for addressing consumer grievances in the healthcare sector.
      6. Advertising Standards Council of India (ASCI) Code: While not a law, ASCI is a self-regulatory body that sets standards for advertising practices in India, including those related to medical advertisements.

      It is important for IDDA to adhere to these laws and regulations to maintain compliance with Indian legal requirements, protect user data, uphold ethical medical practices, and ensure a safe and transparent healthcare platform for its users. Please note that legal and regulatory landscapes may change over time, and it is essential for IDDA to stay updated and compliant with any new or revised laws relevant to its operations in India.

  • IDDA Services and Use of Website

    • While some of the content and pages of the IDDA Website are accessible for free viewing, to access the majority of the contents or services provided by the Website, you will need to create an account on the IDDA platform. During the registration process, you will be required to complete a registration form and provide certain details such as name, age, date of birth, address, mobile number, email ID, etc. By creating an account, you expressly acknowledge that IDDA will rely on the information provided by you, and you hereby warrant that all the information furnished during the account creation is true and accurate.


      IDDA provides Services through the Website to facilitate customers/users in availing diagnostic test/packages or treatments facilities for dentistry and dermatology treatment. However, IDDA shall not be held liable for the accuracy, completeness, legality, or consequences of information or content posted by users or third parties on the website. Furthermore, while availing the Services, users/customers understand and accept the following:

      1. IDDA does not recommend or endorse any diagnostic test/packages mentioned on the Website.
      2. IDDA does not make any representations or warranties concerning the diagnostic labs/doctors/consultants and their treatments or the quality of the services provided by such entities.
      3. Users/customers will be responsible for choosing the services listed on the Website.

      IDDA is not responsible for any samples collected, tests conducted, or reports generated by the labs or any Doctors treatments and does not deal with any of the User's clients or patients managed through the Website. IDDA only provides Services to the User through the Website to connect doctor and patients. Users are required to use the Website and the materials provided therein only for purposes that are permitted by the Terms of Use and any applicable law, regulation, or generally accepted practices or guidelines in the relevant jurisdictions.


      Users may not access the Services for the purpose of monitoring their availability, performance, functionality, or any other benchmarking or competitive purposes.


      The user is granted a limited, non-exclusive, non-transferable right to access the IDDA website and use the Services solely for personal non-commercial use and in accordance with the permitted Terms of Use mentioned herein. If the user is barred from undertaking legally binding obligations under the Indian Contract Act, 1872, or is unable to provide 'Consent' as per the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules, 2011, the user is not eligible to register for, use, or avail the services available on the Website.


      IDDA will provide basic support for the Services to the User at no additional charge and, if purchased separately, upgraded support. IDDA will make reasonable efforts to make the Services available, except for planned downtime or any unavailability caused by circumstances beyond IDDA's reasonable control, including acts of God, acts of the government, flood, fire, earthquakes, civil unrest, acts of terror, strikes, or other labor problems, or internet service provider failures or delays. IDDA will provide the Services in accordance with applicable laws and government regulations. User alone shall be liable for User's dealings and interactions with doctors, clients or diagnostic centers and laboratories contacted or managed through the Website, and IDDA shall have no liability or responsibility in this regard. IDDA does not guarantee or make any representation regarding the correctness, completeness, or accuracy of the information or details provided by such clients, diagnostic centers, or any third party through the Website. The Services should not be used for emergency appointment purposes.


      IDDA may, at its sole discretion, suspend User's ability to use or access the Website at any time while IDDA investigates complaints or alleged violations of these Terms of Use or for any other reason. IDDA reserves the right to edit profiles of diagnostic centers for Package searches or doctors reimbursements plans to make them more suitable and affodable to company for Package searches on the Website. If Users find any wrong information on the Website in relation to such Users, they can correct it themselves or contact IDDA at contact@iddassurance.com immediately for such corrections. IDDA shall have no liability or responsibility in this regard. Users are encouraged to independently verify any information obtained from the website before making decisions or taking actions based on that information. If users believe that there is any incorrect or misleading information on the website, they are welcome to contact IDDA at contact@iddassurance.com to address the concern. IDDA assures to rectify the same within 7 (Seven) business days from the receipt of the concern.


      IDDA shall not be responsible for any losses, damages, or liabilities arising from the use or reliance on the information provided on the website.


      Join us on this transformative healthcare journey, and experience the convenience, accessibility, and excellence that IDDA Services have to offer. Your health is our priority, and we look forward to serving you with the utmost care and compassion.


      Services encompass the following features:

      1. Creation and Maintenance of “Health Accounts” and “Health Records”: Users can create and manage their personalized Health Accounts and Health Records on the platform.
      2. Search for Medical Practitioners: Users can search for Medical Practitioners based on various criteria, such as name, specialty, qualification, experience, geographical area, or any other criteria developed and provided by IDDA.
      3. Online Appointments: Users have the convenience of making appointments with Medical Practitioners online.
      4. Concessional Treatments: IDDA, in association with Practitioners on the Website, introduces additional benefits in the form of “Concessional Treatments” to create awareness among the masses and fulfil its social responsibilities.
  • User Account

    • A User Account on IDDA refers to a personalized profile created by an individual to access and utilize our healthcare services. By creating a User Account, you gain access to a range of features and benefits that enhance your healthcare experience. Here's a clear definition of the User Account terms for IDDA:

      1. Personalized Profile: Your User Account provides a personalized space where you can manage your health-related information, appointments, medical records, and other relevant details securely.
      2. Registration Process: To create a User Account, you will be required to complete a registration form, providing specific details such as your name, age, date of birth, address, mobile number, email ID, etc. The information you provide during the registration process should be true, accurate, and up-to-date.
      3. Subscription Benefits: Based on your User Account, you can avail of subscription-based services that cater to your specific healthcare needs. These may include appointment booking, access to medical reports, and historical appointment records.
      4. Termination of Account due to Payment Default:
        1. Subscription Payment Default: In the event that a user fails to make the required payment for their subscription on time, IDDA reserves the right to suspend or terminate the user's account. Such suspension or termination will be effective as of the date of the payment default.
        2. Payment for Medical Treatments: Users are required to fulfill the payment obligations for any medical treatments they have availed of through the IDDA platform. In the event of non-payment for medical treatments rendered by doctors through the platform, IDDA reserves the right to take appropriate actions, including suspending or terminating the user's account.
        3. Procedure for Termination: In the case of subscription payment default, IDDA will provide the user with a notice of the pending payment. If the user fails to rectify the payment default within 30 days, their account may be suspended or terminated.
        4. In the case of non-payment for medical treatments, IDDA will provide a notice of the outstanding payment to the user. If the payment is not made within 30 days, IDDA may take appropriate actions, which may include suspending or terminating the user's account.
        5. Consequences of Termination: Upon account suspension or termination due to subscription payment default, the user's access to the subscription-based features will be revoked until the payment is made.
        6. In cases of non-payment for medical treatments, if the user's account is suspended or terminated, they will lose access to the IDDA platform and its services until the outstanding payment is resolved.
        7. Legal Recourse for Unpaid Medical Treatments: In the event that a user fails to make the required payment for medical treatments received through the IDDA platform, IDDA reserves the right to initiate legal proceedings to recover the outstanding amount. This may include filing a suit against the user for non-payment of outstanding dues in the appropriate forum which might involve civil courts, consumer forums, or arbitration, depending on the circumstances.
        8. Please note that account termination due to payment default is at the sole discretion of IDDA. Users are advised to promptly address any payment-related issues to avoid suspension or termination of their accounts.
      5. Data Protection: IDDA prioritizes the security of your personal and payment information. We employ industry-standard measures to safeguard your data; however, you acknowledge that IDDA shall not be liable for any unauthorized access or use of your information.
      6. Subsequent Subscription: Upon termination of your account, you will not be eligible for reimbursement of any other services with IDDA. To continue availing our services, you will need to obtain a fresh subscription.
      7. Merging of Accounts: If an individual already possesses one Account and wishes to opt for another Account as part of a family plan, IDDA will merge the accounts accordingly. Similarly, in the vice versa scenario, where multiple Accounts need to be consolidated into one, the same will be applicable, ensuring a seamless experience for the Users on the platform.
      8. Need to pay online through IDDA Portal if required reimbursement facility

      In addition to the previously mentioned terms, we would like to inform you that as part of our subscription services, IDDA may store your bank account number or UPI ID or Credit/Debit card details for payment purposes. This information is essential to facilitate seamless and secure transactions for your subscribed services.


      We understand the importance of data privacy and security, and rest assured that we take every precaution to safeguard your sensitive financial information. IDDA adheres to industry-standard security measures and complies with relevant data protection regulations to ensure the confidentiality and integrity of your bank account details.


      Your bank account number or UPI ID will be securely stored on our platform and will only be used for the purposes of processing reimbursement payments. At no point will this information be shared, sold, or disclosed to any unauthorized third parties except Payment gateway or payment aggregator or bank.


      By creating a User Account and subscribing to our services, you consent to the storage of your bank account number for payment processing. If you have any concerns or questions about this process, please do not hesitate to reach out to our customer support team, and we will be happy to assist you. Your trust and satisfaction are of utmost importance to us, and we strive to provide you with a seamless and trustworthy healthcare experience at IDDA. For any queries or assistance related to your User Account, please feel free to contact our customer support team  contact@iddassurance.com


      By using our services, Users shall be bound by the terms and conditions of this Agreement. Any violation of these terms grants IDDA the right to take appropriate action against the User.


      Regarding shipping and delivery of reports, IDDA is committed to providing you with the best-in-class experience at every stage. Rest assured that we take all necessary precautions to ensure your reports reach you intact and in a timely manner. Your convenience and satisfaction are our top priorities throughout the process.

  • Payment and Fee Structure

    • At IDDA, we aim to provide a seamless and secure payment and billing experience for our Users. By availing our services, you agree to adhere to the following Payment terms:

      1. Payment Authorization: By availing our services, you authorize IDDA to charge the applicable fees to your selected payment method. These fees will be raised based on your subscription, which covers services such as online appointment booking, access to past medical reports, and historical appointments.
      2. Fee Structure: IDDA will generate invoices for the subscribed services, detailing the charges incurred for the specified subscription period. The invoices will be accessible through your User Account. The fee charged to the User for IDDA services is dependent on the specific Package that the User purchases and is not based on the actual usage of the Services. All fees mentioned on the Website are exclusive of applicable taxes.
      3. Payment Modes: Payment of fees can be made online through the secure facility provided on the IDDA Website. To process online fee payments, third-party support and services may be utilized. It is important to note that these third- party service providers are beyond the control of IDDA, and any loss or damage arising during this payment process shall not be the responsibility of IDDA. Alternatively, fees may be paid offline and collected either personally from the User or through other agreed-upon payment methods will not be liable for reimbursement.
      4. Each User/member is solely responsible for the timely payment of all applicable taxes, legal compliances, statutory registrations, and reporting. IDDA shall be responsible for its own income tax obligations and not for any other taxes.
      5. Default Payment:
        1. Subscription Payment Default: In the event that a user fails to make the required payment for their subscription on time, IDDA reserves the right to suspend or terminate the user's account. Such suspension or termination will be effective as of the date of the payment default.
        2. Payment for Medical Treatments: Users are required to fulfill the payment obligations for any medical treatments they have availed of through the IDDA platform. In the event of non-payment for medical treatments rendered by doctors through the platform, IDDA reserves the right to take appropriate actions, including suspending or terminating the user's account.
        3. Procedure for Termination: In the case of subscription payment default, IDDA will provide the user with a notice of the pending payment. If the user fails to rectify the payment default within 30 days, their account may be suspended or terminated.
        4. In the case of non-payment for medical treatments, IDDA will provide a notice of the outstanding payment to the user. If the payment is not made within 30 days, IDDA may take appropriate actions, which may include suspending or terminating the user's account.
        5. Consequences of Termination: Upon account suspension or termination due to subscription payment default, the user's access to the subscription-based features will be revoked until the payment is made.
        6. In cases of non-payment for medical treatments, if the user's account is suspended or terminated, they will lose access to the IDDA platform and its services until the outstanding payment is resolved.
        7. Legal Recourse for Unpaid Medical Treatments:In the event that a user fails to make the required payment for medical treatments received through the IDDA platform, IDDA reserves the right to initiate legal proceedings to recover the outstanding amount. This may include filing a suit against the user for non-payment of outstanding dues in the appropriate forum which might involve civil courts, consumer forums, or arbitration, depending on the circumstances.
      6. Please note that O once the subscription ends due to non-payment, the user will not be eligible for reimbursement for any other services with IDDA. A fresh subscription will be required to continue availing our services.
      7. Termination of Subscription: If the user membership/account is terminated due to payment default, the user's access to IDDA services will cease at the end of the current subscription period. The user will not be able to book appointments, access medical reports, or avail any other services until a new subscription is obtained.
      8. Currency and Exchange Rates: Prices and charges may vary based on your geographical location and applicable exchange rates. Any currency conversion fees or charges imposed by your payment provider will be your (User) responsibility.
      9. Security and Data Protection: IDDA takes data security seriously and employs industry-standard measures to safeguard your payment information. However, you acknowledge and agree that IDDA shall not be liable for any damages or losses arising from unauthorized access to or use of your payment information.
      10. IDDA reserves the right to modify the fee structure by updating the fee details on the Website. Such updates shall be considered as valid and agreed-upon communication between IDDA and the User.
      11. IDDA can change reimbursement structure for individual doctors which can be applied on next booking appointment and on new treatment everytime.
      12. For availing reimbursements need to pay online invoices.
      13. Terms of Reimbursement for patients:
        • For Individual Plan(Rs.999/- or Rs.499/-) & Family Plan(Rs.1599/- or Rs.799/-) subscriptions
          1. Short term multiple treatment reimbursements will be given according to applicable percentage on portal for particular treatments, or total cap of 30,000/- for multiple ST treatments will be spread equally across 12 months (it is 2500/-) whichever is lower, at the end of 30days cycle after every payment initiated.
          2. Long term treatment reimbursement will be given according to applicable percentage on portal or total cap of 30,000/- in the year equally divided for 2 long term treatments (it is 15,000/- each) till subscription ends, whichever is lower.
          3. Reimbursement will be eligible, if only payments are made online through IDDA.
          4. 10% processing and banking fees will be charged on your reimbursement amount.

        • For Free Subscription Plan
          1. For short term treatments, 50% of the reimbursements will be given depending on the reimbursement percentage mentioned on the website for each specific treatment or a max of Rs.2500 (whichever is lower) at the end of each 30 day cycle. The total cap being Rs.30,000.
          2. For long term treatments, 50% of the reimbursements will be given depending on the reimbursement percentage mentioned on the website for each specific treatment or a max of Rs.15,000 (whichever is lower) at the end of each 30 day cycle. This can be availed not more than two times a year.
          3. Reimbursement will be eligible, only if payments are made online through IDDA.
          4. 10% processing and banking fees will be charged on your reimbursement amount.
          5. Short Term treatments are those that may take a single or multiple visits but will typically conclude in a span of 6 months. Meanwhile, long term treatments are the ones that get extended over more than 6 months.

        • For Pro Plan(Rs.4999/-) subscription plans
          1. Short term multiple treatment reimbursements will be given according to applicable percentage on portal for particular treatments, or total cap of 60,000/- for multiple ST treatments will be spread equally across 12 months (it is 5000/-) whichever is lower, at the end of 30days cycle after every payment initiated.
          2. Long term treatment reimbursement will be given according to applicable percentage on portal or total cap of 40,000/- in the year equally divided for 2 long term treatments (it is 20,000/- each) till subscription ends, whichever is lower.
          3. Reimbursement will be eligible, if only payments are made online through IDDA.
          4. 10% processing and banking fees will be charged on your reimbursement amount.

      14. To process the payments efficiently, IDDA may require certain details of the User's bank account, credit card number, or other relevant payment information. Rest assured, IDDA will prioritize the security and confidentiality of this sensitive information.


        By using IDDA's services and making payments, the User agrees to adhere to the payment and fee terms mentioned above. Please ensure that you are aware of the payment process and fee structure before proceeding with any transactions on our platform. If you have any questions or concerns, our customer support team will be available to assist you.

  • Patient No-Show, Cancellation, and Re-scheduling

    Patient No-Show

    1. In the event of a 'Patient No Show ' (P.N.S), where the User fails to show up for a scheduled appointment with the Medical Practitioner without cancelling, rescheduling, or informing the Practitioner in advance, IDDA reserves the right to take necessary actions as a deterrent against misuse of the platform and to compensate for any loss of business hours incurred by the Practitioner and can charge the appointment charges to patients.
    2. A 'Patient No Show ' (P.N.S) is defined as any instance where a User, who booked an appointment using the IDDA Website's “Book Appointment” facility, does not attend the appointment without providing prior notice.
    3. Upon being marked as a 'Patient No Show' (P.N.S) by the Practitioner within 48 hours of the scheduled appointment, IDDA will send an email and SMS (“PNS Communication”) to the User, notifying them of the incident along with the reasons provided by the Practitioner.
    4. Following instances, at the sole discretion of IDDA, would not be considered as valid cases of 'Patient No Show' (“Valid PNS”):
      1. User does not respond with valid reasons to the PNS Communication within seven (7) days from the date of receipt.
      2. If the User responds to the PNS Communication with reasons such as:
        1. Forgot the appointment.
        2. Chose to visit another Practitioner/consulted online.
        3. Busy with other work; or such other reasons (which IDDA at its discretion decides to be a valid reason to not show up).
    5. Instances Considered as Valid Cases of 'Patient No Show' (“Valid PNS”):The following instances would be considered as valid cases of 'Patient No Show' (“Valid PNS”) at the sole discretion of IDDA:
      1. If the user responds with valid reasons to the PNS Communication within seven (7) days from the date of receipt.
      2. If the user provides reasons for not showing up that are not covered by the criteria mentioned above.

    Cancellation and Rescheduling

    1. If a User has booked a paid appointment and is unable to visit the Practitioner due to genuine reasons of sickness with a medical certificate, etc., and cancels or reschedules the appointment within 24 hours of the scheduled time, IDDA, at its sole discretion, may provide a refund of the payment made by the User at the time of booking. The refund will be processed within the next five (5) to six (6) business days in the original mode of payment used during booking. Please note that cancellation charges, if applicable, will be deducted, and the User may not be entitled to a complete refund. and If reason is not genuine or ay any of the PNS not considerable instances as mentioned above (d) section 6.d. then IDDA will not refund for paid appointment.
    2. If the User fails to cancel or reschedule an appointment 24 hours prior to the scheduled time, IDDA shall not issue any refund for the paid appointment cost.
    3. IDDA Doctors reserves the right to reschedule or cancel an appointment without prior notice. The time provided for consultation or treatment is indicative, and the actual time for availing the Services may vary based on the availability of dentists or dermatologists. Users/customers have the option to reschedule or cancel the service.
    4. If IDDA cancels or cannot confirm an appointment for any reason, the user/customer may request to reschedule the appointment within 15 (fifteen) days. Failure to reschedule the appointment within this period will render the user/customer ineligible for any refund or cancellation of the payment made to IDDA.
    5. Refunds will not be issued after 15 (fifteen) days from the date of payment to IDDA. However, if a written refund request reaches IDDA within 15 (fifteen) days, the entire amount paid (subject to a deduction of INR 150/- towards administrative charges) will be credited for any further purchase of a similar or higher value within a maximum of 30 (thirty) days from the date of cancellation.
    6. Refunds will not be issued after 15 (fifteen) days from the date of payment to IDDA. However, if a written refund request reaches IDDA within 15 (fifteen) days, the entire amount paid (subject to a deduction of INR 150/- towards administrative charges) will be credited for any further purchase of a similar or higher value within a maximum of 30 (thirty) days from the date of cancellation.
    7. The stated refund amount will be processed within 15 (fifteen) business working days from the date of cancellation, subject to all terms and conditions being successfully met. If the payment was made in cash to doctor directly then refund will not be processed,

    8. IDDA shall not be held responsible for any inconvenience or loss caused to the user as a result of such rescheduling or cancellation. Furthermore, IDDA reserves the right to refuse Service at any time without providing any reasons.

      It is essential for Users/customers to be aware of these terms regarding appointment rescheduling, cancellation and refunds. For any questions or concerns, please feel free to contact our customer support team, who will be available to assist you.


    Refunds and Liability

    1. Users will not be entitled to any refunds in cases where the Practitioner is unable to meet the User at the exact time of the scheduled appointment time, and the User is required to wait, irrespective of whether the User chooses to wait or not for medical services from the said Practitioner.
    2. In the event of any conflicts or disputes arising from Patient No Show, Cancellation, and Rescheduling matters, IDDA reserves the sole right to make the final decision. The total aggregate liability of IDDA, if any, with respect to any claims made herein shall not exceed INR 500 (Rupees Five Hundred Only).
    3. Users will be disabled from booking any further appointments on IDDA Website after five (5) Valid PNS incidents. However, if a User requests reactivation of their account and agrees to pay a penalty of INR 5100/- (Rupees Hundred Only), IDDA may consider reactivating their booking privileges. The aim is to encourage responsible use of the platform and to ensure fair access to healthcare services for all Users.

    Users are required to adhere to the respective healthcare professionals' policies regarding appointment cancellation, re-scheduling, and no-show. IDDA shall not be held responsible for any consequences arising due to the user's failure to comply with these policies.

  • Communication and Marketing

    • By signing up on IDDA, you acknowledge and consent to receive communication from IDDA, including but not limited to text notifications, text marketing offers, and health checkup reminders. This communication will be sent to the phone number provided during the signup process. You may receive these communications for updates, service- related information, or promotions. If you wish to opt-out from receiving marketing communications, you can do so by adjusting your communication preferences in your User Account settings or by contacting our customer support team  contact@iddassurance.comPlease note that even if you opt-out of marketing communications, you may still receive important service-related messages from IDDA.

  • Disclaimers and Warranties by Users

    • As a User of IDDA's Services, you acknowledge and agree to the following disclaimers and warranties:

      1. Content Accuracy and Reliability

        IDDA provides information and content related to medical practitioners, treatments, and health services for informational purposes only. While we strive to ensure the accuracy and reliability of the information, IDDA does not guarantee the completeness, correctness, or currency of the content available on the Website.

        Users are advised to exercise their own judgment and discretion while relying on any information obtained through IDDA's Services and should not solely rely on such information for making critical healthcare decisions.

      2. No Medical Advice

        IDDA's Services, including any information, content, or communication provided on the Website, do not constitute medical advice or a substitute for professional medical consultation, diagnosis, or treatment.

        Users are encouraged to consult qualified healthcare professionals, such as dentists, dermatologists, or other licensed medical practitioners, for personalized medical advice and treatment recommendations.

      3. User Responsibility

        Users are solely responsible for the accuracy and completeness of the information provided during the registration process and while using IDDA's Services. IDDA shall not be liable for any consequences arising from inaccurate or incomplete information submitted by Users.

        Users must ensure that they are above 18 years of age to avail themselves of the derma and dentistry services offered by IDDA. In the case of patients below 18 years of age, their legal guardian or caregiver must provide consent for the services.

  • Limitation of Liability

    • IDDA shall not be held liable for any damages, injuries, or losses arising from the use or inability to use IDDA's Services or the reliance on any content or information obtained through the Website. IDDA does not endorse or guarantee the quality of services provided by medical practitioners listed on the Website. Users are solely responsible for choosing their doctors and availing the services.

  • Non-transferrable right to use the services
    1. Your right to use the Services provided by IDDA is non-transferable. Any password or access granted to you to obtain information or documents from the Website is intended solely for your personal use and cannot be transferred to any other individual or entity.
    2. IDDA reserves the right to freely transfer, assign, or delegate all or any part of this Terms of Use, along with any rights and obligations contained herein. However, as a User, you are not permitted to transfer or assign your rights and responsibilities under this Terms of Use to any third party.
    3. This Terms of Use agreement shall remain binding upon and shall extend to the heirs, successors, and permitted assignees of both parties, namely IDDA and the User, ensuring the continuity of the obligations and benefits derived from this agreement for all parties involved.
  • Third-Party Services

    • IDDA may include links or advertisements to third-party websites or services for the convenience of Users. However, IDDA does not endorse or assume responsibility for the content or practices of such third-party websites or services. Users are encouraged to review the terms and privacy policies of third-party websites before accessing or using their services.


      By using IDDA's Services, you acknowledge and agree to abide by these aforementioned disclaimers and warranties provided in section 8 of these Terms and conditions. It is crucial for Users to exercise caution and seek professional medical advice when making healthcare decisions. If you have any questions or concerns, please contact our customer support team for assistance.

  • Confidentiality

    • By agreeing to receive IDDA Services, Users acknowledge and accept that they may gain access to non-proprietary, commercially sensitive information about IDDA, including but not limited to its business models, commercial terms, strategies, products, vendors, employees, and business partners (referred to as “IDDA Confidential Information”). In doing so, Users commit to maintaining strict confidentiality of the IDDA Confidential Information and agree not to disclose it to any person without obtaining prior written consent from IDDA.

  • Intellectual Property Rights

    • All Users acknowledge and agree that, apart from Registered Medical Practitioners (RMPs) and Establishments, IDDA extensively employs certain platforms, tools, programs, and digital resources collectively referred to as “IDDA Technology” to provide the IDDA Services. Users further recognize that all rights, title, and interests pertaining to the IDDA Technology, whether granted by law or otherwise, exclusively belong to IDDA or its licensors.


      Users undertake, agree, and confirm that they will diligently adhere to the terms of this Agreement while accessing and using the Website.

  • Termination

    • IDDA retains the sole and absolute discretion to suspend or terminate this Agreement, and consequently, the provision of IDDA Services, to any User without providing any reason whatsoever.


      IDDA reserves the right to suspend or terminate a User's access to IDDA Services at its discretion, if it reasonably believes that the User has violated the terms of the Agreement.


      IDDA reserves the right to suspend or terminate a User's access to the Website and Services with or without prior notice, and may also exercise any other legal remedy available, in the following cases:

      1. The User breaches any terms and conditions of the Agreement;
      2. A third party reports a violation of their rights resulting from the User's use of the Services;
      3. IDDA is unable to verify or authenticate any information provided by the User;
      4. IDDA has reasonable grounds to suspect any illegal, fraudulent, or abusive activity by the User;
      5. IDDA, at its sole discretion, believes that the User's actions may result in legal liability for the User, other Users, or for IDDA or are contrary to the interests of the Website.

      In the event of temporary suspension, indefinite suspension, or termination, the User shall not be allowed to use the Website using the same account, a different account, or re-register under a new account. Upon termination of an account due to the reasons mentioned above, the User shall no longer have access to data, messages, files, and other materials stored on the Website by the User. It is the User's responsibility to ensure continuous backup of any medical services rendered to comply with the User's record- keeping processes and practices.

  • Indemnity and Liability

    • Each User agrees and undertakes to indemnify, defend, and hold harmless IDDA, its directors, officers, employees, representatives, agents, shareholders, or affiliates (“Indemnified Parties”) from any loss, demand, claim, expense, or damage incurred or anticipated to be incurred by the Indemnified Parties due to (i) any breach of the Agreement by the User, and (ii) any violation of applicable laws, rules, regulations, or guidelines by any User in connection with their use of the Services.


      The Indemnified Parties shall promptly notify the User of any circumstances that could potentially lead to liability. However, such notification shall not act as a waiver of claims by the Indemnified Parties, should they fail to provide such notification. The Indemnified Parties are not restricted from taking any necessary steps in good faith to protect themselves against any liability or sanction that may arise if they had not taken such measures.


      In no event shall IDDA's total aggregate liability to a User for all damages, losses, and causes of action (whether in contract or tort, including negligence or otherwise) arising from this Agreement exceed the total amount paid by the User for availing IDDA Services.


      Users agree that they are solely responsible for any breach of their obligations under the Terms of Use and for any consequences (including any loss or damage suffered by IDDA) resulting from such breach.


      Users shall indemnify IDDA for any claims, losses, damages, or costs of any regulatory or court proceedings suffered by IDDA as a result of the User's breach under any applicable law.


      Users expressly acknowledge and agree that their use of the Subscription Services is at their sole risk, and the Subscription Services are provided on an “as is” and “as available" basis.


      The results of any search conducted by Users on the Website for Practitioners should not be considered an endorsement by IDDA of any particular Practitioner. Users engaging with a Practitioner to seek medical services do so at their own risk.


      Without prejudice to the generality of the above, IDDA is not involved in providing healthcare or medical advice or diagnosis, and therefore, it is not responsible for any interactions between Users and Practitioners. Users understand and agree that IDDA will not be liable for:

      1. User interactions and associated issues with the Practitioner;
      2. The ability or intent of the Practitioner(s) to fulfill their obligations towards Users;
      3. Any wrong medication or quality of treatment provided by the Practitioner(s), or any medical negligence on the part of the Practitioner(s);
      4. Inappropriate treatment or any type of inconvenience suffered by the User due to a failure on the part of the Practitioner to provide agreed Services;
      5. Any misconduct or inappropriate behavior by the Practitioner or the Practitioner's staff;
      6. Cancellation, no-show, or rescheduling of booked appointments, or any variation in the fees charged by the Practitioner.
  • Governing Law and Jurisdiction

    • By using the Website or the Services provided by IDDA, you agree that this Agreement and any contractual obligation between IDDA and the User shall be governed by the laws of India.


      In the event of any dispute, claim, or controversy arising out of or relating to this Agreement, including the determination of the scope or applicability of this Agreement to arbitrate, or your use of the Website or the Services, it shall be resolved through arbitration in India. The arbitration shall be conducted in accordance with the provisions of the Arbitration and Conciliation Act, 1996, and shall take place in Mumbai. The entire arbitration proceedings, including any awards, shall be conducted in the English language. The award rendered by the sole arbitrator appointed by IDDA shall be considered final and binding upon all parties involved.


      Notwithstanding the above Clause, except for matters subject to arbitration under Clause (ii), any disputes arising out of or related to this Agreement, your use of the Website or the Services, or the information to which it provides access, shall be subject to the exclusive jurisdiction of the courts in Mumbai.

  • Contact and Grievance Cell

    • If a User has any questions concerning IDDA, the Website, this Agreement, the Services, or anything related to any of the foregoing, IDDA customer support can be reached at the following email address:  contact@iddassurance.comor via the contact information available from the following hyperlink:  www.iddassurance.com.


      In accordance with the Information Technology Act, 2000, and the rules made there under, if you have any grievance with respect to the Website or the service, including any discrepancies and grievances with respect to processing of information, you can contact our Grievance Officer:
      Name: Mrs. Helen George Moses
      Email: contact@iddassurance.com
      Mobile: +91 77100 01004


      In the event you suffer as a result of access or usage of our Website by any person in violation of Rule 3 of the IG Rules, please address your grievance to the above person.

  • Severability

    • In the event that a court of competent jurisdiction or arbitral tribunal deems any provision of the Agreement unenforceable under applicable law, that particular provision shall be deemed excluded from this Agreement. Nonetheless, the rest of the Agreement shall continue to be valid and enforceable, as if the excluded provision was never part of it, and shall be interpreted in accordance with its remaining terms. It is important to note that, in such circumstances, the Agreement will be construed in a manner that gives effect to the intent and meaning of the excluded provision, to the maximum extent allowed and consistent with applicable law, as determined by the aforementioned court or arbitral tribunal of competent jurisdiction.

  • Waiver

    • Any failure or delay by IDDA in exercising its rights under these terms and conditions shall not constitute a waiver of such rights. No provision of this Agreement shall be deemed to be waived and no breach excused, unless such waiver or consent shall be in writing and signed by IDDA. Any consent by IDDA to, or a waiver by IDDA of any breach by you, whether expressed or implied, shall not constitute consent to, waiver of, or excuse for any other different or subsequent breach.

  • Miscellaneous

    • These Terms of Use constitute the entire agreement between IDDA and the User concerning the subject matter herein and supersede all prior or contemporaneous communications and proposals.


      Users may not assign or transfer any rights or obligations under these Terms without prior written consent from IDDA.


      IDDA shall not be liable for any delay or failure to perform its obligations under these Terms resulting from events beyond its reasonable control.


By using IDDA's Services, you acknowledge and agree to abide by these clauses. Please read these Terms of Use carefully and contact our support team if you have any questions or concerns.

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