Disclaimer

Please read this disclaimer carefully before relying on any information, quote, or answer provided through the SmartTech AI Insurance Advisor platform (the "Service"), operated by SmartTech Insurance Brokers LLP.

We are a broker, not an insurer

SmartTech Insurance Brokers LLP is licensed by the Insurance Regulatory and Development Authority of India (IRDAI) as a composite insurance broker (Insurance Broker Life & General License No. 731). We arrange and advise on insurance products issued by third-party insurance companies. We do not underwrite risk, issue policies, or guarantee claim outcomes — those remain the responsibility of the insurer named in your policy.

AI-generated content is informational, not advice

Responses from the AI chat assistant are generated automatically and, where possible, grounded in the insurer's own published policy documents. They are intended to help you understand and compare products in general terms. They are nota substitute for professional financial, legal, tax, or medical advice, and should not be treated as a personal recommendation to buy a specific product. The AI may occasionally misstate, omit, or misinterpret a policy detail — always verify any coverage detail against the insurer's official policy wording before making a decision.

Quotes and premiums are indicative, not final

Any premium, sum-insured option, or plan comparison shown by the Service is an estimate based on the information supplied at the time and the insurer's published rates or live quotation system. It is subject to the insurer's own underwriting, terms and conditions, and may change before a policy is actually issued. A quote shown here is not an offer of insurance and does not bind any insurer or SmartTech Insurance Brokers LLP.

No guarantee of accuracy or availability

We make reasonable efforts to keep the information in the Service accurate and up to date, including the documents used to ground AI answers, but we do not warrant that it is complete, current, or error-free at all times. Insurer product features, premiums, and terms can change without notice on the insurer's end. The Service, including any live automated quote retrieval, may be temporarily unavailable or delayed for reasons outside our control.

Third-party names and trademarks

Insurer and product names, logos, and trademarks referenced in the Service belong to their respective owners and are used solely to identify and describe the products we help you compare. Their appearance does not imply endorsement of SmartTech Insurance Brokers LLP by that insurer, or vice versa.

External links

The Service may reference or link to insurers' own websites or hospital network locators. We are not responsible for the content, accuracy, or availability of any third-party website.

Limitation of liability

To the fullest extent permitted by law, SmartTech Insurance Brokers LLP shall not be liable for any loss, damage, or decision arising from reliance on information, a quote, or a comparison provided through the Service. This disclaimer should be read together with our Terms of Use and Privacy Policy.

Contact us

If you spot information that looks incorrect or out of date, please tell us at support@smarttechinsurance.co.in or +91 72001 08873 (Mon–Sat, 9:00–19:00 IST).