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Payment and Refund Policy

This Payment and Refund Policy sets out the terms and conditions on the basis of which we UNITED HOSPITAL A UNIT OF UBHCS PVT LTD will process payments and refunds.

This Payment and Refund Policy sets out the terms and conditions on the basis of which we UNITED HOSPITAL A UNIT OF UBHCS PVT LTD, a company duly incorporated under the provisions of the Companies Act, 2013, having its registered office at 4th Floor, No 27, Shivadarshni Apts, Besides Safina Plaza, Infantry Road, Bangalore, India (collectively, “UNITED HOSPITAL A UNIT OF UBHCS PVT LTD”, “Company”, “we”, “us” or “our”), will process payments and refunds for transactions carried on UNITED HOSPITAL A UNIT OF UBHCS PVT LTD through your use of the website (collectively referred to as the “Platform”)] while availing services made available to you over the Platform (the “Services”). UNITED HOSPITAL A UNIT OF UBHCS PVT LTD may assign, transfer, and subcontract its rights and/or obligations under this Payment and Refund Policy to any third party, as it may deem fit, and you shall continue to be bound by this Payment and Refund Policy in the event of such assignment or transfer. This policy shall apply for the United Wellness Members availaing the Emergency Cover of Rs 1 Crore

a. Payment

  1. You may use any payment service, like UPI, internet banking or debit or credit cards for making payments for availing any of the Services over the Platform (“Fees”). You shall be directed to our third party payment aggregator/gateway partners such as PayU, Paytm, PhonePe, CRED Pay, Juspay, Amazon Pay (“Payment Aggregator(s)”) once you proceed to make payment of the Fees. Once re- directed to the Payment Aggregator, you agree to be bound by the terms and conditions and privacy policy prescribed by the third party payment gateway/aggregation partner, basis which, the transaction shall take place. We will share your details with the Payment Aggregator as per the terms of our privacy policy and the same shall be processed in accordance with the respective Payment Aggregator’s privacy policy as may be made available to you by such Payment Aggregator.
  2. United Hospital shall not be liable in any manner whatsoever, if incorrect or inaccurate details (including those concerning credit or debit card(s)) are provided by you for making the payment of the Fees or if you use a credit or debit card which is not lawfully owned by you or if you permit a third party to use your password or any other means of accessing your bank account or credit card or debit card. Please note that neither we nor the Payment Aggregator will be monitoring your use of any payment channel and you are required to use the payment modes at your sole option and risks.
  3. The Payment Aggregator may block any card number, account numbers, group of cards or transactions from any specific blocked or blacklisted customer cards, accounts, group of IP addresses, devices, geographic locations as deemed fit.
  4. The Payment Aggregator and banks reserve the right to reject payments with respect for any order including for suspicious and unlawful transactions, potential or actual fraud, suspicious activities, card authentication and authorization issues, over payment made due to mathematical errors or any other issue.
  5. UNITED HOSPITAL A UNIT OF UBHCS PVT LTD shall keep the financial information confidential at all times and shall not utilize and share the same with any of the third parties unless it is a third party consented to by you and/or required by law, regulation or court order.
  6. UNITED HOSPITAL A UNIT OF UBHCS PVT LTD shall not be liable for the rejection of any authorization request placed by you for payment of the Fees, by any bank, payment gateway, Payment Aggregator, or other relevant third party, for any reason including but not limited to risk management, suspicion of fraudulent, illegal or doubtful transactions, use of blacklisted/banned cards or pursuant to applicable laws, rules or regulations or any instructions from (or contained in) any guidelines or instructions by the Reserve Bank of India or any internal policies, etc., of such bank, payment gateway or other relevant third party. Your data will be processed in accordance with the relevant Payment Aggregator’s privacy policy and terms, which you should comply with, as applicable.

Refund and Cancellation Policy

  1. Refunds for all eligible cancellations are issued through the payment method used at the time of purchase, except for cash payments made under the Pay on Delivery mode of payment.
  2. You will not receive cash refunds in connection with a card sale.
  3. In case upon Free Heart & Other Check-Up the United Wellness Member is found to have pre-existing Heart disease or is a Stroke patient or has Acute Gastroenteritis or Appendicitis or other diseases which as per terms & conditions render him or her ineligible for Rs 1 Crore Emergency Cover then the paid subscription/premium amount shall be refunded and Emergency Cover cancelled. Provided that once on-boarded after a Free Heart & Other Check Up, the Emergency Cover shall remain valid even if these diseases are later contracted.
  4. If the Pre-Check establishes that the subscriber is ineligible due to pre-existing conditions, the entire subscription amount of ₹3,588 (inclusive of applicable taxes) shall be refunded. Provided that if prior to completion of the Pre-Check, the subscriber avails any Accident/Trauma emergency treatment, no refund shall be payable, and the subscription shall stand terminated upon such free pre-check revealing the ineligibility.
    One can also cancel the subscription within 15-days if one has not availed any benefit of the treatment or taken Free Heart & Other Check-up
  5. The Rs 1 Crore Emergency Cover once approved to an eligible member after Free Heart & Other Check-Up is not refundable.
  6. Refunds cannot be processed to third-party accounts. The name on your UNITED HOSPITAL A UNIT OF UBHCS PVT LTD Account should match with the name of the bank account holder.
  7. Refunds will only be made against genuine and trackable cancellation requests generated by you by emailing the request to our backend team on the email id given (info@unitedhospital.in) Refund request against delays, nature of advice obtained, efficacy of treatment, health outcomes of consultation will not be entertained.
  8. Eligible refunds may be processed within 30 working days from the receipt of a request from you. All communications with regards to refund should be sent to info@unitedhospital.in.
  9. Once processed, the refunded amount will be credited to the customer’s account within 15 to 20 days.
  10. UNITED HOSPITAL A UNIT OF UBHCS PVT LTD reserves the right to modify / implement a new pricing structure at any time prior to billing you for your initial payment of the Fees or for future payments of the Fees.
  11. Any email in this regard should be sent to the designated email ID (info@unitedhospital.in).