This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Online Policy House.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: Rajasthan, India
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Online Policy House, accessible from http://onlinepolicyhouse.com/
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Phone number
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.
Our Service may give You the ability to delete certain information about You from within the Service.
You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.
Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, You can contact us:
No
No
Service TAT
1. Service TAT - Health
Online Policy House Insurance Web Aggregator Private Limited follows the below-mentioned service TATs as an ISNP according to Schedule I of the Insurance eCommerce regulations released by IRDAI on 1th July 2019 for selling online Health Insurance policies:
| The following table shows the turnaround timings for different services provided by the company to its policyholders: | ||
| Service Criteria | Maximum Turnaround Time (TAT in Calendar Days) | Service TAT Estimate (From the Given Date) |
| Written communication on acceptance/rejection of the proposal OR Request for additional requirements on the proposal | 15 days | Date of receipt of the proposal OR the date of receipt of any other requirement, whichever is later |
| Providing a copy of the accepted proposal form | 5 days | Date of acceptance of the proposal |
| Refund of proposal deposit post-cancellation of proposal | 15 days | Date of case decision/date of receipt of last necessary document/date of receipt of the cancellation request of the proposal, whichever is later |
| Requests for refund towards free-look cancellation, surrender and withdrawal; refund of proposal deposit; refund of outstanding proposal deposit, if any | 10 days | Date of receipt of a request/last necessary document, whichever is later |
| Acknowledgement of grievance | 5 days | Date of receipt of grievance |
| Resolution of grievance | 30 days | Date of receipt of grievance |
| Compliance of KYC norms | - | KYC is not required up to the premium payment of Rs. 50,000. However, for a premium above Rs. 50,000, PAN Card Number is required |
2. Service TAT - Life
Online Policy House Insurance Web Aggregator Private Limited follows the below-mentioned service TATs as an ISNP according to Schedule I of the Insurance eCommerce regulations released by IRDAI on 9th July 2019 for selling online Life Insurance policies:
| The following table shows the turnaround timings for different services provided by the company to its policyholders: | ||
| Service Criteria | Maximum Turnaround Time (TAT in Calendar Days) | Service TAT Estimate (From the Given Date) |
| Written communication on acceptance/rejection of the proposal OR Request for additional requirements on the proposal | 15 days | Date of receipt of the proposal or the date of receipt of any other requirement, whichever is later |
| Providing a copy of the accepted proposal form | 5 days | Date of acceptance of the proposal |
| Refund of proposal deposit post-cancellation of proposal | 15 days | Date of case decision/date of receipt of last necessary document/date of receipt of the cancellation request of the proposal, whichever is later |
| Requests for refund towards free-look cancellation, surrender and withdrawal; refund of proposal deposit; refund of outstanding proposal deposit, if any | 10 days | Date of receipt of a request/last necessary document, whichever is later |
| Acknowledgement of grievance | 5 days | Date of receipt of grievance |
| Resolution of grievance | 30 days | Date of receipt of grievance |
| Compliance of KYC norms | 45 days | Date of the transaction in the website |
3. Service TAT - Motor, Two Wheeler & Travel
Online Policy House Insurance Web Aggregator Private Limited follows the below-mentioned service TATs as an ISNP according to Schedule I of the Insurance eCommerce regulations released by IRDAI on 9th July 2019 for selling online General Insurance policies - Motor, Two Wheeler & Travel:
| The following table shows the turnaround timings for different services provided by the company to its policyholders: | ||
| Service Criteria | Maximum Turnaround Time (TAT in Calendar Days) | Service TAT Estimate (From the Given Date) |
| Written communication of decisions on the proposal/raising additional requirements on the proposal | 15 days | Date of receipt of the proposal or the date of receipt of any other requirement, whichever is later |
| Providing a copy of the accepted proposal form | 5 days | Date of acceptance of the proposal |
| Refund of proposal deposit post-cancellation of proposal | 10 days | Date of case decision/date of receipt of last necessary document/date of receipt of the cancellation request of the proposal, whichever is later |
| Requests for refund towards free-look cancellation, surrender and withdrawal; refund of proposal deposit; refund of outstanding proposal deposit, if any | 10 days | Date of receipt of a request/last necessary document, whichever is later |
| Acknowledgement of grievance | 5 days | Date of receipt of grievance |
| Resolution of grievance | 30 days | Date of receipt of grievance |
| Compliance of KYC norms | - | KYC is not required up to the premium payment of Rs. 50,000. However, for a premium above Rs. 50,000, PAN Card Number is required |
Procedure & Processes
HEALTH INSURANCE: Procedures, Processes & Timelines of Post-sales Servicing (As per Schedule III of Insurance e-commerce guidelines)
The following document contains complete details on the procedures, processes and timelines for post-sales servicing. To avail any of these services, you can directly send your request from your registered email id to us at support@onlinepolicyhouse.com
Issuance and crediting of the Policy document/Certificate of Insurance/Proposal form
Turnaround time is 15 calendar days from the date of receipt of complete documents.
Organizing medical checkup and submission of medical reports
As per the opted plan by the customer, the insurer may ask for medical check-ups. In case a medical check-up is required, the customer has to follow the next steps i.e. Schedule Medical (if applicable) after making the payment of the recently purchased online plan.
Issuance of endorsement
If the customer requests for any contractual changes (authorised by the plan/policy), an endorsement is issued to the customer approved by the insurer and made in the policy. To know about the types of changes and documents required, please refer to below sections of this page.
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of Policy Terms & Conditions/Details Change
Correction in Date of Birth (DOB): Correction in DOB implies a change or correction in the Date of Birth of the policyholder/life insured or nominee/beneficiary(s). To proceed with the request, the following documents need to be submitted to the insurer:
The turnaround time is 15 business days from the date of receipt of complete documents.
Increase in Sum Assured/Decrease in Sum Assured: In accordance with the policy contract, this request is permitted only at the time of renewing the policy. The following documents are required to process the request:
The turnaround time is 15 business days from the date of receipt of complete documents.
Correction of Gender: Correction of Gender means updating correct Gender in customer's policy. Documents required for the process are as follows:
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of Name/Address
Change of name: If the policyholder wishes to change or correct his/her name in the policy, then (s)he can place a request by submitting the following documents.
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of address: If the policyholder wants to change or correct his/her address in the policy, then (s)he can place a request by submitting the following documents:
The turnaround time is 15 business days from the date of receipt of complete documents.
LIFE INSURANCE: Procedures, Processes & Timelines for Pre-sales Solicitation of Insurance Policies
E-Quote generation on the digital platform: Once the customer fills up the basic details like DOB, gender, smoker/non-smoker category, cover amount and personal details - name, mobile and email ID, the E-Quote will be generated on the screen.
Plan selection & redirection to the product page: After the E-Quote generation, the customer can check and compare quotes from various insurance providers. Now, he/she can choose a plan as per insurance needs. The customer will then be redirected to the product page of the insurance company where he/she can go through all the details of the chosen plan and select riders accordingly.
Redirection to payment gateway: Customer is redirected to the payment gateway (PG) page to make the premium payment. Various payment options are available to pay the premiums of the policy, for example, via internet banking, debit card, credit card and e-wallets. One can also opt for an option to pay future renewal premiums available during the payment process. Upon successful payment, the customer is redirected to complete the next steps i.e. Fill Proposal form, Upload Documents & Schedule Medical (if applicable).
For any queries related to sales, the customer can call us on 1800.
LIFE INSURANCE: Procedures, Processes & Timelines for Post-sales Servicing of Insurance Policies
Filling up the proposal form: Underwriting of insurance proposals is done on the basis of disclosures by the policyholder/proposer in the proposal form. Therefore, the verification of details and authentication via OTP (One-time password) is mandatory in the proposal form.
Once the completion of payment and filling of the proposal form is done, a copy of the proposal form (PDF) along with the receipt of payment will be sent to the customer's registered email ID.
The proposal form journey consists of below sections:
Document Upload
In 'Upload Documents' section, the customer needs to upload a self-attested copy of the following documents:
Schedule Medicals
In 'Schedule Medicals' section, the customer is required to select a preferred date and time for medical check-ups. The medical check-ups can either be at the customer's residence or he/she will be required to visit the insurer's empanelled diagnostic centres. Details of these are available on the "Schedule Medical" page and in case of any changes, the customer will be informed accordingly.
Policy underwriting and the decision of policy issuance are made by the insurer. On issuance of the policy, policy papers will be sent to the customer at his/her registered communication address in the proposal form. Also, the soft copy of the issued policy will be sent to the customer's email ID by Online Policy House
Change of Policy Terms and Conditions/Details Change
Correction of Date of birth: Correction of DOB means a change or correction in the Date of Birth of the policyholder or nominee(s).
Documents required
The turnaround time is 10 days from the date of receipt of complete documents
Collection of renewal premiums and remittance to insurers
**For any service related queries, customer can contact us on 1800- or Email us at support@onlinepolicyhouse.com
| Process Timelines | |
| Process | Timeline |
| Filling up of proposal form | 45 Days |
| An electronic copy of proposal form and payment acknowledgement | 5 Days |
| One Time Password (OTP) for authentication of details mentioned in the proposal form | 10 Mins |
| KYC documentation | The Customer relationship team will follow upon completion of the proposal form |
| Medical scheduling | The Customer relationship team will follow upon completion of the proposal form |
| Acceptance of proposal form | 15 days post completion of documentation & medicals, if any |
| Refund | 15 days from the date of cancellation |
MOTOR & TWO WHEELER: Procedures, Processes & Timelines of Post-sales Servicing
The following document contains complete details on the procedures, processes and timelines for post-sales servicing. To avail any of these services, you can directly send your request from your registered email id to us at support@onlinepolicyhouse.com
Issuance and crediting of the Policy document/Certificate of Insurance/Proposal form : The turnaround time for issuance and crediting of policy is 7 calendar days from the date of receipt of complete documents by the insurer.
Organizing inspection and submission of video inspection report: As per the opted plan by the customer, the insurer may ask for medical check-ups. In case a medical check-up is required, the customer has to follow the next steps i.e. Schedule Medical (if applicable) after making the payment of the recently purchased online plan.
Issuance of endorsement: If the customer requests for any contractual changes (authorised by the plan/policy), an endorsement is issued to the customer approved by the insurer and made in the policy. To know about the types of changes and documents required, please refer to below sections of this page.
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of Policy Terms and Conditions/Details
Change/Correction of Date of Birth (DOB): Change/Correction of DOB means a change or correction in the Date of Birth of the policyholder or nominee/beneficiary.
Documents required:
The turnaround time is 15 business days from the date of receipt of complete documents.
Vehicles Details Change: Registration Certificate (RC) Premium (wherever applicable due to change in NCB, IDV, Ownership transfer, CC Fuel type, CNG addition, MFG year. Legal liability for the paid driver along with model and variant).
The turnaround time is 15 calendar days from the date of receipt of complete documents by the Insurer.
Change in Effective Date of Coverage: As per the policy contract, a customer can change the effective date of coverage on the basis of the previous policy year.
Documents required:
The turnaround time is 15 calendar days from the date of receipt of complete documents.
Change of Name/Address
Change of Name: If the policyholder wishes to change or correct his/her name in the policy, then (s)he can place a request by submitting the following documents:
Documents:
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of Address: If the policyholder wishes to change or correct his/her address in the policy, then (s)he can place a request by submitting the following documents:
Documents:
The turnaround time is 15 business days from the date of receipt of complete documents.
Change of Nomination: As per the policy contract, the policyholder may nominate any other person to whom the money secured under the policy shall be paid in the event of the death of the policyholder.
If the policyholder wishes to change the nominee(s) in the policy, then (s)he can place a request by submitting the following documents:
Documents required:
The turnaround time is 15 calendar days from the date of receipt of complete documents by the Insurer.
We have been in the business of insurance web aggregator for over a decade now and it has been our mission to provide the most comprehensive and user-friendly insurance comparison platform.
If you want to get updated news. Please enter your email for latest updates and offers.