By accessing or using the iCover platform, users agree to comply with these Terms & Conditions and enter into a legally binding agreement with iCover Policy & Claim Support Services Private Limited.

iCover provides insurance claim support, forensic advocacy, claim documentation audit, ombudsman liaison, settlement coordination, and related assistance services. Claim approval and settlement decisions remain solely under the discretion of the respective insurance company and policy terms.

Users must provide accurate information, genuine documents, valid contact details, and cooperate during claim verification and payment processing activities.

The ₹750 evaluation or assessment fee is non-refundable and covers professional claim analysis services. Success-based professional charges and additional processing fees will be governed as per the mutually signed Memorandum of Understanding (MOU).

All payments are processed through secure and authorized third-party payment gateway providers. We do not store complete debit/credit card or banking details on our servers. Users are responsible for providing valid payment information during transactions.

Due to the professional nature of claim audits and advocacy services, evaluation fees are strictly non-refundable. Other refunds or processing fee adjustments will be reviewed based on service stages, MOU terms, and company policies.

Claim approvals, settlements, and timelines are subject to insurance company policies, verification procedures, and applicable regulatory guidelines.

User information is securely collected, stored, and processed in accordance with our Privacy Policy and applicable data protection standards.

Users shall not submit false, misleading, or fraudulent documents, misuse the platform, attempt unauthorized access, or perform suspicious payment activities.

iCover is not liable for claim rejection, insurer decisions, third-party insurer insolvency, payment gateway failures, technical interruptions, or losses caused by inaccurate information or fraudulent documents submitted by users.

Submission of forged, manipulated, or inauthentic documents will result in immediate termination of services and advocacy support without any refund.

Our platform may integrate with insurance providers, hospitals, payment gateways, and other authorized third-party service providers for operational purposes.

We strive to maintain uninterrupted platform access; however, temporary downtime may occur due to maintenance, technical issues, or external service interruptions.

We reserve the right to modify or update these Terms & Conditions at any time without prior notice.