Legal

Terms and condition

Robinhood Insurance Broker Pvt. Ltd. operates the website http://www.OneInsure.com to provide consumers choice and an easy way to buy insurance products from multiple insurance companies. OneInsure or Robinhood is not an insurance company. The company is a licensed insurance broking company holding a broking license from the Indian insurance regulator, named Insurance Regulatory and Development Authority of India (IRDAI).

Our broking license number is IRDA / DB 407/08 Code No. 386.

Our participating insurance providers supply some of the information available on the website and therefore there may be inaccuracies in the website information, over which Robinhood has limited control. For details about any insurance policy, do contact our advisors or refer the brochure provided on the website of the insurance provider.

Robinhood does not warrant or guarantee the timeliness, accuracy, or completeness of the website information, or the quality of the results obtained from the use of the website.

To the maximum extent permitted by law, Robinhood has no liability in relation to or arising out of the website information and website recommendations. You are responsible for the final choice of your product and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a product or its terms, you should seek further advice from Robinhood or the relevant participating provider before choosing your product. Insurance is a subject matter of solicitation.

Robinhood may pass on your personal information to the relevant participating provider if you apply to purchase a product through www.oneinsure.com; however, Robinhood does not guarantee when or if you will actually acquire the product that you have chosen. Robinhood does not accept any liability arising out of circumstances where there is delay in receiving the product you have chosen.

Note that OneInsure only assists in collecting the premium instrument on behalf of the insurer you have chosen to buy the policy from; OneInsure itself does not collect any premium. The acceptance of the deposit as premium and final issuance of the policy is subject to the underwriting norms and discretion of the insurer whose policy you have chosen to buy, over which Robinhood has no control. Robinhood will ensure that the amount is refunded by the insurer in case there is no ultimate issuance of the policy.

By visiting our website and accessing the information, resources, services, products, and tools we provide, you agree to accept and adhere to the terms and conditions stated in this policy (hereafter referred to as "user agreement") along with the terms and conditions as stated in our Privacy Policy (refer to the Privacy Policy section for more information).

This agreement is in effect as of June 11, 2015.

We reserve the right to make timely changes to this user agreement without prior notices. We require you to accept the responsibility of reviewing this user agreement periodically to familiarize yourself with any modifications. Your continued use of this site after such modifications will constitute acknowledgment and agreement of modified terms and conditions.


Responsible Use and Conduct

By visiting our website and accessing the information, resources, services, products, and tools we provide for you, either directly or indirectly (hereafter referred to as "resources"), you agree to use these resources only for the purposes intended as permitted by:

  • The terms of this user agreement
  • Applicable laws, regulations, and generally accepted online practices or guidelines

Wherein, you understand that:

  • In order to access our resources, you may be required to provide certain information about yourself (such as identification, contact details, and so on) as part of the registration process, or as part of your accessibility to use the resources. You agree that any information you provide will always be accurate, correct, and up to date.

  • You are responsible for maintaining the confidentiality of any login information associated with any account you use to access our resources. Accordingly, you are responsible for all activities that occur under your account/s.

  • Accessing (or attempting to access) any of our resources through any means other than the means we provide is strictly prohibited. You specifically agree not to access (or attempt to access) any of our resources through any automated, unethical, or unconventional means.

  • Engaging in any activity that disrupts or interferes with our resources, including the servers and/or networks to which our resources are located or connected, is strictly prohibited.

  • Attempting to copy, duplicate, reproduce, sell, trade, or resell our resources is strictly prohibited.

  • You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by you, as explained above, and may incur criminal or civil liability.

  • We may provide various open communication tools on our website, such as blog comments, blog posts, public chat forums, message boards, newsgroups, product ratings and reviews, various social media services, and so on. You understand that generally we do not pre-screen or monitor the content posted by users on these various communication tools, which means that if you choose to use these tools to submit any type of content to our website, then it is your personal responsibility to use these tools in a responsible and ethical manner.

  • By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content that:

    • Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or explicit language

    • Infringes on any trademark, patent, trade secret, copyright, or other proprietary right of any party

    • Contains any type of unauthorized or unsolicited advertising

    • Impersonates any person or entity, including any http://www.OneInsure.com/ employee/representative

  • We have the right at our sole discretion to remove any content that we feel in our judgment does not comply with this user agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any third-party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal and consent to waive any claim against us.

  • We do not assume any liability for any content posted by you or any other third-party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn't violate or infringe on any third-party copyrights or trademarks, becomes the property of Robinhood Insurance Broker Pvt. Ltd., and as such gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display, and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our resources. All information provided as part of our registration process is covered by our Privacy Policy.

  • You agree to indemnify and hold harmless Robinhood Insurance Broker Pvt. Ltd. and its parent company and affiliates, and their directors, officers, managers, employees, donors, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees resulting from any violation of this user agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defense of any claim for which we are entitled to indemnification under this user agreement. In such an event, you shall provide us with cooperation as is reasonably requested by us.



Privacy

Your privacy is very important to us, which is why we've created a separate Privacy Policy in order to explain in detail how we collect, manage, process, secure, and store your private information. Our Privacy Policy is included under the scope of this user agreement. To read our Privacy Policy in its entirety, click here.


Limitation of Warranties

By using our website, you understand and agree that all resources we provide are "as is" and "as available". This means that we do not represent or warrant to you that:

  • The use of our resources will meet your needs or requirements

  • The use of our resources will be uninterrupted, timely, secure, or free from errors

  • The information obtained by using our resources will be accurate or reliable

  • Any defects in the operation or functionality of any resources we provide will be repaired or corrected

Furthermore, you understand and agree that:
  • Any content downloaded or otherwise obtained through the use of our resources is done at your own discretion and risk, and that you are solely responsible for any damage to your computer or other devices for any loss of data that may result from the download of such content.

  • No information or advice, whether expressed, implied, oral or written, obtained by you from Robinhood Insurance Broker Pvt. Ltd. or through any resources we provide, shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this user agreement.


Limitation of Liability

In conjunction with the limitation of warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Robinhood Insurance Broker Pvt. Ltd. will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages that may be incurred by you as a result of using our resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.


Copyrights/Trademarks

All content and materials available on http://www.OneInsure.com/, including but not limited to text, graphics, website name, code, images, and logos are the intellectual property of Robinhood Insurance Broker Pvt. Ltd. and are protected by applicable copyright and trademark laws. Any inappropriate use, including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited unless specifically authorized by Robinhood Insurance Broker Pvt. Ltd.


Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and resources with or without notice and for any reason, including, without limitation, breach of this user agreement. Any suspected illegal, fraudulent, or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the resources we provide will immediately cease, and we reserve the right to remove or delete any information that you may have on file with us, including any account or login information.


Governing Law

This website is controlled by Robinhood Insurance Broker Pvt. Ltd. from our offices located in the state of Maharashtra, India. It can be accessed by most countries around the world. As each country has laws that may differ from those of Maharashtra, India, by accessing our website, you agree that the statutes and laws of Maharashtra, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.

Furthermore, any action to enforce this user agreement shall be brought in the courts located in Maharashtra, India. You hereby agree to personal jurisdiction by such courts and waive any jurisdictional, venue, or inconvenient forum objections to such courts.


Guarantee

Unless otherwise expressed, Robinhood Insurance Broker Pvt. Ltd. expressly disclaims all warranties and conditions of any kind, whether expressed or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement.

Privacy policy

This Privacy Policy governs the manner in which OneInsure collects, uses, maintains, and discloses information collected from users of the www.oneinsure.com website. This Privacy Policy applies to the site and all products and services offered by OneInsure.


Personal identification information

We may collect personal identification information from users in a variety of ways, including but not limited to when users visit our site, register on the site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features, or resources we make available on our site. Users may be asked for, as appropriate, their name, email address, mailing address, phone number, and credit card information. Users may, however, visit our site anonymously. We will collect personal identification information from users only if they voluntarily submit such information to us. Users can always refuse to supply personal identification information, which may keep them from engaging in certain site-related activities.


Non-personal identification information

We may collect non-personal identification information about users whenever they interact with our site. Non-personal identification information may include the browser name, the type of computer and technical information about users' means of connection to our site, such as the operating system, the Internet service providers utilized, and other similar information.


Web browser cookies

Our site may use cookies to enhance user experience. Users' web browsers places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. Users may choose to change the settings of their web browser to refuse cookies or to alert you when cookies are being sent. If they do so, note that some parts of our website may not work properly.


How we use collected information

OneInsure may collect and use users' personal information for the following purposes:

  • To improve our customer service; the information provided by you helps us respond to your customer service requests and support needs more efficiently.

  • To personalize user experience, we may use information to understand how our users as a group use the services and resources provided on our site.

  • We may use feedback you provide to improve our products and services.

  • To process payments, we may use the information users provide about themselves when placing an order, only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide a service.

  • To run a promotion, contest, survey, or other site features to send users information they agreed to receive about topics we think will be of interest to them.

  • To send periodic emails.

We may use the email address to send user information and updates. It may also be used to respond to inquiries, questions, and/or other requests. If a user decides to opt in to our mailing list, they will receive emails that may include company news, updates, related product or service information, and so on. If at any time the user would like to unsubscribe from receiving future emails, we include detailed instructions to unsubscribe at the bottom of each email or the user may contact us via our site.


How we protect your information

We adopt appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of your personal information, username, password, transaction information, and data stored on our site. Sensitive and private data exchange between the site and its users happens over an SSL-secured communication channel and is encrypted and protected with digital signatures.


Sharing your personal information

We may use third-party service providers to help us operate our business and the site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission.


Third party websites

Users may find advertising or other content on our site that links the sites and services of our partners, suppliers, advertisers, sponsors, licensers, and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites found on our site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites that have a link to our site, is subject to that website's own terms and policies, and www.oneinsure.com cannot be held liable for any consequential loss or damages.


Changes to this privacy policy

OneInsure has the discretion to update this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page and send you an email. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You are required to acknowledge and agree that it is your responsibility to review this Privacy Policy periodically and make yourself aware of modifications.


Your acceptance of these terms

By using www.oneinsure.com, you accept the terms of this policy. If you do not agree with this policy, we request you to not use this website. Your continued use of the site following the posting of changes to this policy will be deemed your acceptance of those changes.


Shipping and Delivery policy

For any insurance product purchased via www.oneinsure.com, the insurance company will courier a hard copy of the policy documents within 15 – 21 days of the purchase of the policy after realization of the premium. Neither www.oneinsure.com nor Robinhood Insurance Broker Pvt. Ltd. is liable for non-delivery or late delivery of policy documents. However, Robinhood will coordinate with its insurance partners for timely delivery of the hard copy of the policy documents.

Refund and Cancellation policy

Refund Policy

In case of a refund due to a faulty transaction or cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit, as per the policy of the insurance provider you have bought the product from. www.oneinsure.com or Robinhood Insurance Broker Pvt. Ltd. cannot be held liable for any delay on account of the insurance provider in the case of such a refund.


Cancellation Policy

In case of a cancellation, the premium paid for an insurance product will be refunded via cheque or direct credit, as per the policy of the insurance provider you have bought the product from. www.oneinsure.com or Robinhood Insurance Broker Pvt. Ltd. cannot be held liable for any delay on account of the insurance provider in the case of such a refund.

Service TAT – Health

Every Insurance Self Networking Platform (ISNP) operating in India has to comply with Schedule I of the insurance e-commerce guidelines issued by IRDAI on March 9, 2017. In accordance, Robinhood Insurance Broker Pvt. Ltd. functions in-line with the following service turnaround times (TAT) for online sale of health insurance products:

Turnaround Times for Specific Undertakings

Service Required by Policyholders

Maximum Turnaround Time

Turnaround Time Calculated From

Proposal Related

· Written communication regarding acceptance/declination of a proposal

· Additional requirements raised on the proposal

As specified by your insurer

Date the proposal is received by the insurer OR date an additional requirement is raised

(whichever is later)

Copy of accepted proposal

As specified by your insurer

Date the proposal is accepted

Refund of proposal deposit

As specified by your insurer

Underwriting decision date OR date all necessary documents are submitted OR date of receipt of request for cancellation

(whichever is later)

Grievance Related

l Refund after free-look cancellation, surrender, and withdrawal

l Proposal deposit refund

l Outstanding proposal deposit refund

As specified by your insurer

Date of request OR last necessary document is received

(whichever is later)

Grievance acknowledgement

As specified by your insurer

Date the grievance is reported

Resolution of grievance

As specified by your insurer

Date the grievance is reported

Compliance of KYC norms

-

KYC is required only for premiums above 50,000

(PAN number is required)


Service TAT – Life

Every Insurance Self Networking Platform (ISNP) operating in India has to comply with Schedule I of the insurance e-commerce guidelines issued by IRDAI on March 9, 2017. In accordance, Robinhood Insurance Broker Pvt. Ltd. functions in-line with the following service turnaround times (TAT) for online sale of life insurance products:

Wherein, you understand that:

Turnaround Times for Specific Undertakings

Service Required by Policyholder

Maximum Turnaround Time

Turnaround Time Calculated From

Proposal Related

· Written communication regarding acceptance/declination of a proposal

· Additional requirements raised on the proposal

As specified by your insurer

Date the proposal is received by the insurer OR date an additional requirement is raised

(whichever is later)

 

Copy of accepted proposal

As specified by your insurer

Date the proposal is accepted

 

Refund of proposal deposit

As specified by your insurer

Date of case decision OR date all necessary documents are submitted OR date of receipt of request for cancellation

(whichever is later)

Grievance Related

l Refund after free-look cancellation, surrender, and withdrawal

l Proposal deposit refund

l Outstanding proposal deposit refund

As specified by your insurer

Date of request OR submission of last necessary document

(whichever is later)

 

Grievance acknowledgement

As specified by your insurer

Date the grievance is reported

 

Resolution of grievance

As specified by your insurer

Date the grievance is reported

Compliance of KYC norms

As specified by your insurer

Date of transaction on the website

Service TAT – Motor, Two Wheeler, and Travel

Every Insurance Self Networking Platform (ISNP) operating in India has to comply with Schedule I of the insurance e-commerce guidelines issued by IRDAI on March 9, 2017. In accordance, Robinhood Insurance Broker Pvt. Ltd. functions in-line with the following service turnaround times (TAT) for online sale of general insurance products, which includes travel, motor, and two-wheelers insurance:

Turnaround Times for Specific Undertakings
Service Required by Policyholder Maximum Turnaround Time Turnaround Time Calculated From
Proposal Related
  • Written communication regarding acceptance/declination of a proposal
  • Additional requirements raised on the proposal
As specified by your insurer Date the proposal is received by the insurer OR date an additional requirement is raised (whichever is later)
Copy of accepted proposal As specified by your insurer Date the proposal is accepted
Refund of proposal deposit As specified by your insurer Date of case decision OR date all necessary documents are submitted OR date of receipt of request for cancellation (whichever is later)
Grievance Related

l Refund after free-look cancellation, surrender, and withdrawal

l Proposal deposit refund

l Outstanding proposal deposit refund

As specified by your insurer Date of request OR submission of last necessary document (whichever is later)
Grievance acknowledgement As specified by your insurer Date the grievance is reported
Resolution of grievance As specified by your insurer Date the grievance is reported
Compliance of KYC norms

-

Date of transaction on the website

 

Health Insurance

Every insurance broker in India is required to comply with Schedule III of insurance e-commerce guidelines (post-sales servicing). The following are the procedures, processes, and timelines of post-sales servicing.

General TATs

Issuance and Crediting of the Policy Document / Certificate of Insurance / Proposal Form

Eligibility criterion: Receipt of all documents from policyholder

Turnaround time: As specified by your insurer.

Conducting Medical Check-ups and Submission of Medical Reports

If a medical check-up is required, the customer is re-routed to the next step after the payment is made; that is, the schedule medical option on the website.

Issuance of Endorsement

An endorsement is issued whenever contractual changes are requested by the policyholder and are made in the policy by the insurer. Turnaround time: As specified by your insurer.

Change of Policy Terms and Conditions/Details Change

Correction of Date of Birth (DoB)

Change of DoB request means a change or correction in the Date of Birth of the policyholder, life insured, or nominee/trustee.

Eligibility Criterion: Proof of date of birth.

Additional Premium (applicable on change of DOB)

Eligibility criterion: Submission of applicable documents.

Turnaround time: As specified by your insurer.

Increase or Decrease in Sum Assured

Allowed only at time of renewal.

Changes can be made after submission of the following documents:

  • Change request form
  • Required premiums
  • Medicals

Turnaround time: As specified by your insurer.

Correction of Gender

Updation of correct gender in customer’s policy. Changes can be made after submission of the following documents:

  • ID proof in which DoB is same as policy records
  • Premium (if applicable)

Turnaround time: As specified by your insurer.

Change of Name/Address

Change of Name

Changes can be made after submission of the following documents:

  • ID Proof in which DOB is same as policy records (DD-MM-YY order)
  • Name Change affidavit attested by first class magistrate (in accordance with state norms)

Turnaround Time: As specified by your insurer.

Change of Address

Changes can be made after submission of the following documents:

  • Self-attested address proof of new address

Turnaround time: As specified by your insurer.

Motor and Two-Wheeler Insurance

Every insurance broker in India is required to comply with Schedule III of insurance e-commerce guidelines (post-sales servicing). The following are the procedures, processes, and timelines for post-sales servicing of insurance policies.

Issuance and Crediting of the Policy Document / Certificate of Insurance / Proposal Form

Eligibility criterion: Receipt of all documents from policyholder.

Turnaround time: As specified by your insurer.

Organizing Inspection and Submission of Video Inspection Report

Once the inspection is done, the insurer decides whether to recommend insurance or not. If insurance is recommended, the process of premium payment and policy issuance ensues.

Issuance of endorsement

An endorsement is issued whenever contractual changes are requested by the policyholder and are made in the policy by the insurer.

Turnaround time: As specified by your insurer.

Change of Policy Terms and Conditions / Change in Details

Correction of Date of Birth (DoB)

Change of DoB request means a change or correction in the date of birth of the policyholder, life insured, or nominee/trustee.

Changes can be made after submission of the following documents:

  • DoB change form
  • Self-attested DoB proof
  • Premium (when applicable for change)
  • Signed copy of revised illustration

Turnaround time: As specified by your insurer.

Change in Vehicle’s Details

Changes can be made after submission of the following documents:

  • Registration certificate (RC)
  • Premium [could be required when there is a change in NCB (No Claim Bonus), IDV, ownership transfer, CC fuel type, CNG addition, manufacturing year, legal liability paid by driver, and model and variant change]

Turnaround time: As specified by your insurer.

Change of Name/Address

Change of Name

Changes can be made after submission of the following documents:

  • RC Copy
  • Previous year policy copy

Change of Address

Changes can be made after submission of the following documents:

  • Self-attested valid address
  • Proof of new address

Change of Nomination

policyholder is required to nominate a person to whom the money secured under the policy shall be paid in the event of death. This nomination is changeable.

Changes can be made after submission of the following documents:

  • A request letter mentioning the new nominee name, duly signed by the policyholder
  • Email from a registered email ID, stating name and relation of the nominee

Turnaround time: As specified by your insurer.

Life Insurance

Every insurance broker is required to comply with Schedule III of Insurance e-commerce guidelines (post-sales servicing). The following are the procedures, processes and timelines for pre-sales solicitation of insurance policies:

Digital Platform E-Quote generation:

Quotes are generated after submission of basic details.

Some of these required details include:

  • Name
  • Mobile number
  • Email ID
  • DoB
  • Gender
  • Term
  • Annual income
  • Declaration of being a smoker / non-smoker
  • Cover amount required

Plan Selection and Redirection to Product Page

Upon eQuote generation, the customer can check the quotes from various insurance companies and select any insurance company’s plan that the customer wishes to purchase. He will then be redirected to the product page of that insurer, which lists down all the details of the plan selected and gives options to select riders.

After generating an eQuote, a customer can check quotes from various insurance companies on the website, and for more details of the preferred plan, s/he will be redirected to the product pages (includes lists of all details that are required from the customer to complete sourcing of the policy before premium payment) of the selected insurer.

Access to Payment Gateway

Customers are redirected to a payment gateway (PG) page on which a premium payment can be made. Payments can be made through various payment options – Internet banking, debit card, credit cards, and eWallets.

These options are available on the payment page of the proposal form journey on our website. This might change from time to time. Apart from this, the standing instruction option is also available to pay future renewal premiums. Once the customer has completed the next steps [that is, fill the proposal form, upload documents, and schedule medicals (if applicable)], s/he will be directed to online payment.

Procedures, processes, and timelines for post-sales servicing of insurance policies

Filling of Proposal Form

Disclosures by a life insured / proposer is used for underwriting processes. Hence, it is mandatory to verify the details filled in the proposal form, which is authenticated through mobile OTP (one-time password) authentication.

On completion of payment and proposal form filling, a copy of the proposal form (PDF) is sent along with a payment acknowledgement to the customer’s registered email ID.

The proposal form will contain the following sections:

  • Personal Details - Name, contact details (telephone number, mobile number, email address), education, nationality, marital status, relation to life insured (if the life assured is different from proposer)
  • Address Details - Address, City, Pin Code
  • Employment Details - Salaried or self-employed, employer, designation, income, nature of duties
  • Insurance History - Details of existing insurance details
  • Nominee Details - Name and relation of nomination
  • Lifestyle and Well-being - Height, weight, and travel and adventure
  • Health - Medical disclosures of previous / ongoing investigations, diagnosis, or treatment
  • OTP (one-time password) Authentication - Customer’s mobile number is required for the sending of an OTP with a validity if 30 minutes
  • Review and Acceptance - All details/information provided by the customer can be reviewed on this page along with the proposal by the customer.

Documents to Be Uploaded

self-attested copy of the following documents are to be submitted:

  • Photograph
  • Identity proof
  • Age Proof
  • Address proof (communication and permanent address, if different from each other)
  • Income proof
  • Existing medical and medically-relevant reports (if any)

Schedule Medicals

A date and time is to be selected to schedule a medical test. It can be done at the customer’s residence or s/he may be required to visit the insurer’s regular diagnostic centre. This information is available on the medical page or will be informed to a customer accordingly.

Policy underwriting and policy issuance is made by the insurer. After issuance, a policy pack will be sent to the customer’s communication address by the insurer. A soft copy will be sent to a customer’s email ID by OneInsure.

Change of Policy Terms and Conditions / Change in Details

Correction of Date of Birth (DoB)

Change of DoB request means a change or correction in the date of birth of the policyholder, life insured, or nominee/trustee.

Changes can be made after submission of the following documents:

  • DoB change form
  • Self-attested DoB proof
  • Premium (when applicable for change)
  • Signed copy of revised illustration

Turnaround time: As specified by your insurer.

Collection of Renewal Premiums and Remittance to Insurers

  1. Select the insurer that premiums are to be paid to
  2. Input policy number
  3. Enter DoB of the life insured
  4. Pay amount through PG via Internet banking, debit card, credit card, or another option

Receipt will be sent to the registered email within a set number of days of the transaction, as specified by your insurer

Simplified Table with Process Timelines

Process Timeline
Proposal form filling As specified by your insurer
eCopy of proposal form and payment acknowledgement As specified by your insurer
One-Time Password (OTP) for authentication As specified by your insurer
KYC documentation The customer relationship team will complete this after completion and submission of proposal form
Medical scheduling The customer relationship team will complete this after completion and submission of proposal form
Acceptance of proposal form As specified by your insurer
Refund As specified by your insurer

OneInsure Disclaimers

  • Robinhood Insurance Broker Pvt. Ltd. is a fully licensed insurance broking company registered with the Insurance Regulatory and Development Authority of India (Code: 386).

  • On our web portal (www.oneinsure.com), all premiums are calculated at the insurer’s end and we just fetch the values to display on our portal. Extra premiums can be charged in the form of loadings via the insurer based on risk as suggested by the underwriting team.

  • Premium quotations are indicative. The premium rate charged to the customers may be different depending on factors such as occupation, overall health, and factors such as non-submission of documentary evidences.

  • Robinhood is not responsible for the display of incorrect premiums calculated by the insurer.

  • Robinhood is not responsible if payment fails on the insurer’s payment portal. In such cases, Robinhood can escalate your concern to the insurer.

  • Neither OneInsure nor Robinhood is liable for non-delivery or late delivery of policy documents. However, Robinhood will coordinate with its insurance partners for timely delivery of the hard copy of the policy documents.

  • Your insurance policy purchase request may be rejected by the insurer. Robinhood will assist in getting the refund back to you at the earliest.

  • Neither OneInsure nor Robinhood is liable if claim is denied by the insurer at a later stage, due to reasons like non-disclosure.

  • Rider premium rates (if applicable) have not been taken into account in calculating the base premium. For rider benefits, refer to rider policy Terms and Conditions.

  • For more details on risk factors and Terms and Conditions, Robinhood requests you to read the sales brochure of the particular plan carefully before concluding a sale.

  • By clicking on the "GET A CALL" button, I accept the terms and conditions & authorize OneInsure representatives to contact me (via Call/SMS/Email).

THANK YOU!