Effective Date: July 2026
Welcome to CGMS India.
By accessing or using this website, you agree to comply with these Terms & Conditions. If you do not agree, please discontinue use of the website.
Website Purpose
CGMS India provides insurance-related educational content, insurance guidance, comparison information, financial awareness articles, premium calculators, and assistance in connecting users with suitable insurance solutions.
The information provided is for general informational purposes only.
User Responsibilities
By using this website, you agree to:
- Provide accurate information while submitting inquiries.
- Use the website only for lawful purposes.
- Not attempt to damage, hack, or interfere with website functionality.
- Not misuse any calculators or online tools.
Intellectual Property
All content including text, graphics, logos, calculators, images, icons, website design, and downloadable resources are the intellectual property of CGMS India unless otherwise stated.
Unauthorized copying, reproduction, or redistribution is prohibited.
Insurance Advice
Information available on this website should not be considered legal, tax, investment, or financial advice.
Insurance recommendations may vary depending on age, income, health condition, financial goals, and insurer underwriting guidelines.
Users should carefully read the official policy brochure before purchasing any insurance product.
Premium Calculators
Premium calculators available on this website provide estimated values only.
Actual premiums may differ based on:
- Medical history
- Age
- Occupation
- Rider selection
- Insurance company underwriting
- GST and applicable charges
Third-Party Links
Our website may include links to insurance companies or other external websites.
We are not responsible for their content, services, or privacy practices.
Limitation of Liability
CGMS India shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on any information provided.
Modifications
We reserve the right to modify these Terms & Conditions at any time without prior notice.
Continued use of the website constitutes acceptance of the updated Terms.
Governing Law
These Terms shall be governed by the applicable laws of India.
Any disputes shall be subject to the jurisdiction of the competent courts in India.