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Legal Terms & Conditions

These terms and conditions outline the rules and regulations for the use of united Health Lumina website, located at www.unitedhealthlumina.com The Terms and Conditions contained herein shall apply to any person ("User") using the services of United Health Lumina Pvt. Ltd. and / ("united Health Lumina") for making healthcare subscription plan payments through an online payment gateway service ("Service") offered by Payment Gateway Service provider, through United Health Lumina website i.e. www.unitedhealthlumina.in . Each User is therefore deemed to have read and accepted these Terms and Conditions.

Service Description

United Health Lumina offers Yearly Subscription Plans to provide Primary Care Services. When you purchase a subscription plan. United Health Lumina reimburses you the amount of the Primary Care Services at the fixed price of the subscription after verifying the receipt amount and medical prescription of the service provider. United Health Lumina is not an insurance company and offers Yearly Subscription Plans to provide OPD Primary Care Services only. The Services can be accessed and used through our platform called United Health Lumina or the website www.unitedhealthlumina.com. United Health Lumina does not provide the following services on its own. Customer recommends contacting verified Doctors and diagnosis on its own.

  • 1. GP Consultation

  • 2. Specialist Consultation (Ophthalmologist, Gynecologist, Pediatrician, Dietician, Dental, Others)

  • 3. Diagnosis (including any pre-employment, post-employment and annual check-ups)

  • 4. Services (Doctors and Nutritionists)

  • 5. Doctors, Nurses, Physiotherapists

  • 6. Yoga and meditation

  • 7. Vaccinations (Influenza, Pneumonia, Hepatitis B and Typhoid)

  • 8. Health Risk Assessment

Note - United Health Lumina also works with corporate and insurance brokers to provide subscription plans of primary care services. If any broker is found to be selling or has sold the subscription plan in a wrong manner, then after investigation, the company can cancel the customer's amount for up to 365 days.

Personal Information

  • 1. The User agrees that, to the extent required or permitted by law, united Health Lumina and/ or the Payment Service Provider(s) may also collect, use and disclose personal information in connection with security related or law enforcement investigations or in the course of cooperating with authorities or complying with legal requirements.

  • 2. The User agrees that any communication sent by the User vide e-mail, shall imply release of information therein/therewith to united Health Lumina. The User agrees to be contacted via e-mail on such mails initiated by him/her.

  • 3. In addition to the information already in the possession of united Health Lumina and/or the Payment Service Provider(s), united Health Lumina may have collected similar information from the User in the past. By entering the Website the User consents to the terms of united Health Lumina information privacy policy and to united Health Lumina continued use of previously collected information. By submitting the User's personal information to united Health Lumina, the User will be treated as having given his/her permission for the processing of the User's personal data as set out herein.

  • 4. The User acknowledges and agrees that his/her information will be managed in accordance with the laws for the time in force.

Governing Law and Dispute Resolution

These Terms and Conditions shall be governed by the provisions of Indian law and shall be subject to the exclusive jurisdiction of courts situated at greater Noida, Uttar Pradesh, India. In the event of any dispute, controversy or claim arising out of relating to, or in connection with these Terms and Conditions and Privacy Policy, or the formation, existence, negotiation or interpretation of these Terms and Conditions and Privacy Policy (Dispute), the representatives of United Health Lumina and the User shall amicably resolve the Dispute in good faith, as soon as either party is apprised of the existence of a Dispute. In the event United Health Lumina and the user are unable to resolve the Dispute within 30 days of them commencing discussions to amicably settle the dispute, the Dispute shall be referred to be resolved through arbitration. The arbitration proceedings shall be conducted in accordance with provisions of the (Indian) Arbitration and Conciliation Act, 1996. These Terms and Conditions and the rights and obligations of the parties shall remain in full force and effect pending the award in such arbitration proceeding.

Debit/Credit Card, Bank Account Details

  • 1. The User agrees that the debit/credit card details provided by him/her for use of the aforesaid Service(s) must be correct and accurate and that the User shall not use a debit/ credit card,that is not lawfully owned by him/her or the use of which is not authorized by the lawful owner thereof. The User further agrees and undertakes to provide correct and valid debit/credit card details

  • 2. The User may pay his/her dues to HealthAssure by using a debit/credit card or through online banking account. The User warrants, agrees and confirms that when he/she initiates a payment transaction and/or issues an online payment instruction and provides his/her card/bank details:

    • i. The User is fully and lawfully entitled to use such credit / debit card, bank account for such transactions;

    • ii. The User is responsible to ensure that the card/ bank account details provided by him/her are accurate.

    • iii. The User is authorizing debit of the nominated card/ bank account for the payment of dues selected by such User along with the applicable Fees.

    • iv. The User is responsible to ensure sufficient credit is available on the nominated card/ bank account at the time of making the payment to permit the payment of the dues payable or the bill(s) selected by the User inclusive of the applicable Fee.

Payment Gateway Disclaimer

The Service is provided in order to facilitate access to view and pay dues online. united Health Lumina or the Payment Service Provider(s) do not make any representation of any kind, express or implied, as to the operation of the Payment Gateway other than what is specified in the Website for this purpose. By accepting/ agreeing to these Terms and Conditions, the User expressly agrees that his/her use of the aforesaid online payment Service is entirely at own risk and responsibility of the User.

Limitation of Liability

  • 1. united Health lumina has made this Service available to the User as a matter of convenience. united health lumina expressly disclaims any claim or liability arising out of the provision of this Service. The User agrees and acknowledges that he/ she shall be solely responsible for his/her conduct and that united Health lumina reserves the right to terminate the rights to use of the Service immediately without giving any prior notice thereof.

  • 2. united Health lumina and/or the Payment Service Providers shall not be liable for any inaccuracy, error or delay in, or omission of (a) any data, information or message, or (b) the transmission or delivery of any such data, information or message; or (c)any loss or damage arising from or occasioned by any such inaccuracy, error, delay or omission, non-performance or interruption in any such data, information or message. Under no circumstances shall the united Health lumina and/or the Payment Service Providers, its employees, directors, and its third party agents involved in processing, delivering or managing the Services, be liable for any direct, indirect, incidental, special or consequential damages, or any damages whatsoever, including punitive or exemplary arising out of or in any way connected with the provision of or any inadequacy or deficiency in the provision of the Services or resulting from unauthorized access or alteration of transmissions of data or arising from suspension or termination of the Services,

  • 3. united Health lumina and the Payment Service Provider(s) assume no liability whatsoever for any monetary or other damage suffered by the User on account of

    • (i) the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Payment Gateway or Services in connection thereto, and/or

    • (ii) any interruption or errors in the operation of the Payment Gateway

  • 4. The User shall indemnify and hold harmless the Payment Service Provider(s) and united Health lumina and the respective officers, directors, agents, and employees, from any claim or demand, or actions arising out of or in connection with the utilization of the Services.

  • 5. The User agrees that united Health lumina or any of its employees will not be held liable by the User for any loss or damages arising from your use of or reliance upon the information contained on the Website, or any failure to comply with these Terms and Conditions where such failure is due to circumstance beyond united Health lumina reasonable control.

Miscellaneous Conditions

  • 1. Any waiver of any rights available to united health Lumina under these Terms and Conditions shall not mean that those rights are automatically waived.

  • 2. The User agrees, understands and confirms that his/her personal data including without limitation details relating to debit card/ credit card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and that united health Lumina or the Payment Service Provider(s) have no control over such matters.

  • 3. Although all reasonable care has been taken towards guarding against unauthorized use of any information transmitted by the User, united health Lumina does not represent or guarantee hat the use of the Services provided by/ through it will not result in theft and/or unauthorized use of data over the Internet.

  • 4. united health Lumina, the Payment Service Provider(s) and its affiliates and associates shall not be liable, at any time, for any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communications line failure, theft or destruction or unauthorized access to, alteration of, or use of information contained on the Website.

  • 5. The User may be required to create his/her own User ID and Password in order to register and/or use the Services provided by united health Lumina on the Website. By accepting these Terms and Conditions the User agrees that his/her User ID and Password are very important pieces of information and it shall be the User' sown responsibility to keep them secure and confidential. In furtherance hereof, the User agrees to:

    • i. Choose a new password, whenever required for security reasons.

    • ii. Keep his/her User ID & Password strictly confidential.

    • iii. Be responsible for any transactions made by User under such User ID and Password.

The User is hereby informed that united health Lumina will never ask the User for the User’s password in an unsolicited phone call or in an unsolicited email. The User is hereby required to sign out of his/her united health Lumina account on the Website and close the web browser window when the transaction(s) have been completed. This is to ensure that others cannot access the User's personal information and correspondence when the User happens to share a computer with someone else or is using a computer in a public place like a library or Internet cafe.