Terms & Conditions

1. Introduction

Bonchi Healthcard is a healthcare discount membership program designed to provide affordable access to healthcare services across India. The program is operated by Bonchi Care.

• Service Provider: Bonchi Care
• Service Type: Healthcare Discount Membership Program
• Service Areas: Bihar, Jharkhand, Odisha (expanding to other regions)
• Contact: info@bonchicares.in | +91 8084001385

2. Nature of Service

What Bonchi Healthcard Offers:

• Discounts on doctor consultations (up to 40%)
• Discounts on medicines (10-20%)
• Discounts on hospitalization and surgical procedures (20-35%)
• Access to partner hospitals, clinics, diagnostic centers, and pharmacies
• 24×7 emergency and ambulance support coordination
• Online appointment booking assistance
• Member-exclusive healthcare benefits

What Bonchi Healthcard Does NOT Offer:

• Reimbursement of medical expenses
• Direct payment of hospital bills
• Insurance coverage or claims
• Guaranteed availability of specific treatments
• Medical advice or treatment services

3. Membership Validity

Your Bonchi Healthcard membership is valid for 5 Years from the date of activation.

• Activation: Membership becomes active upon successful registration and payment
• Validity Period: 5 years (60 months) from activation date
• Card Status: You can check your card validity status through our app or website
• Renewal: Members will be notified before expiration with renewal options
• Grace Period: No grace period after expiration; benefits cease immediately
• Non-Transferable: Membership is personal and cannot be transferred to another person
• Family Plans: If applicable, family member details must be provided during registration

4. Eligibility and Registration

Who Can Register:

• Any Indian citizen aged 18 years or above
• Parents/guardians can register minors (below 18) as family members
• NRI (Non-Resident Indians) visiting India may register

Registration Requirements:

• Valid mobile number for verification
• Email address
• Complete name and address
• Date of birth
• Aadhaar number (optional, for identity verification)
• Acceptance of Terms & Conditions and Privacy Policy

Account Verification:

• We may require identity verification before activating your membership
• You must provide accurate and truthful information
• False or fraudulent information may result in membership termination

5. User Responsibilities

As a Bonchi Healthcard member, you agree to:

• Provide Correct Details: Ensure all registration information is accurate and up-to-date
• Update Information: Notify us of any changes to your contact details or personal information
• Secure Your Account: Keep your login credentials confidential and secure
• Do Not Misuse the Card: Use the membership only for legitimate healthcare services
• Carry Your Card: Present your Bonchi Healthcard or digital card when availing discounts
• Identity Verification: Cooperate with identity verification requests from healthcare partners
• Comply with Partner Policies: Follow the terms and policies of partner healthcare facilities
• Report Issues: Inform us immediately of any card misuse or unauthorized access
• Respect Healthcare Professionals: Maintain professional conduct at partner facilities
• No Fraud: Not engage in any fraudulent activities or attempts to abuse the system

6. Partner Network and Discounts

How Discounts Work:

• Discounts are available only at partner hospitals, clinics, diagnostic centers, and pharmacies
• Discount percentages may vary by partner and service type
• You must present your valid Bonchi Healthcard to avail discounts
• Partner facilities may require identity verification
• Discounts are applied at the time of billing

Partner Network:

• We maintain partnerships with a wide network of healthcare providers
• Partner list is available on our website and app
• Partner network may change; we will update members of significant changes
• Not all services may be available at all partner facilities
• Partner facilities operate independently and have their own terms

Discount Limitations:

• Discounts cannot be combined with other offers or insurance benefits
• Some premium services or treatments may not be eligible for discounts
• Emergency services pricing follows partner facility policies
• Discounts are subject to partner availability and policies

7. Fees and Payment

Membership Fees:

• Membership fee is a one-time payment for the 5-year validity period
• Fees are clearly displayed before registration
• All fees are in Indian Rupees (INR)
• Payment must be made through authorized payment methods
• Transaction fees (if any) will be clearly communicated

Payment Methods:

• Credit/Debit Cards
• UPI (Unified Payments Interface)
• Net Banking
• Digital Wallets
• Other authorized payment gateways

Payment Security:

• All payments are processed through secure, encrypted payment gateways
• We do not store your credit/debit card information
• Payment confirmation will be sent via email and SMS

9. Data Use and Privacy

Your privacy is important to us. Please refer to our Privacy Policy for detailed information on how we collect, use, and protect your personal data.

Key Points:

• Data Collection: We collect only necessary information for service delivery
• Aadhaar Verification: Aadhaar is used ONLY for identity verification, not for any other purpose
• No Third-Party Sharing: We never share your personal data with third parties for marketing
• Data Security: All data is encrypted and stored securely
• Partner Sharing: Only membership verification details are shared with healthcare partners
• User Rights: You have rights to access, correct, and delete your data

10. Service Availability and Limitations

Service Availability:

• Services are available in Bihar, Jharkhand, and Odisha (expanding to other regions)
• Partner facility availability varies by location
• We strive for 99.9% app and website uptime but do not guarantee uninterrupted service
• Scheduled maintenance will be notified in advance when possible

Limitations:

• Bonchi Care is not responsible for the availability or quality of services at partner facilities
• Discounts depend on partner agreements and may change
• Some healthcare services may not be available under the membership
• We do not guarantee specific treatment outcomes
• Emergency services are subject to partner facility availability

11. Termination and Suspension

Bonchi Care reserves the right to suspend or terminate your membership under the following circumstances:

Reasons for Termination:

• Fraud or Misuse: Using the card fraudulently or for unauthorized purposes
• False Information: Providing false or misleading information during registration
• Violation of Terms: Breaching any terms and conditions
• Abusive Behavior: Misconduct towards healthcare partners or our staff
• Illegal Activities: Using the service for illegal purposes
• Multiple Accounts: Creating duplicate accounts to abuse benefits

Termination Process:

• We will notify you of the reason for termination via email
• You may appeal the decision within 15 days
• No refund will be provided upon termination for policy violations
• Terminated accounts cannot be reactivated

Voluntary Cancellation:

• You may cancel your membership at any time by contacting us
• No refund will be provided for voluntary cancellation
• You can request deletion of your personal data (subject to legal requirements)

12. Liability and Disclaimer

Medical Services Disclaimer:

Limitations of Liability:

• Medical Treatment: We do not provide medical advice, diagnosis, or treatment
• Healthcare Quality: Partner facilities are responsible for the quality of their services
• Medical Outcomes: We are not liable for treatment results or complications
• Partner Actions: We are not responsible for actions or negligence of partner facilities
• Service Interruptions: We are not liable for temporary service unavailability
• Third-Party Content: We are not responsible for third-party websites or services linked from our platform

User Responsibility:

• You are responsible for your own healthcare decisions
• Always consult qualified healthcare professionals for medical advice
• Verify treatment costs and procedures with healthcare facilities before proceeding
• Keep copies of all bills and documentation

Maximum Liability:

• Our total liability to you for any claims shall not exceed the membership fee paid by you
• We shall not be liable for indirect, incidental, or consequential damages

13. Intellectual Property

All content, trademarks, logos, and intellectual property associated with Bonchi Care and Bonchi Healthcard are owned by or licensed to Bonchi Care.

• Trademarks: "Bonchi Care," "Bonchi Healthcard," and related logos are trademarks of Bonchi Care
• Content: All website, app, and marketing content is protected by copyright
• Restrictions: You may not copy, reproduce, distribute, or create derivative works without permission
• App Usage: The Bonchi Care app is licensed for personal, non-commercial use only
• Feedback: Any feedback or suggestions you provide may be used by us without compensation

14. Dispute Resolution and Governing Law

Governing Law:

• These Terms & Conditions are governed by the laws of India
• Any disputes shall be subject to the exclusive jurisdiction of courts in Bihar, India

Dispute Resolution Process:

• Step 1 - Contact Us: First, contact our customer support to resolve the issue
• Step 2 - Formal Complaint: If unresolved, submit a written complaint to info@bonchicares.in
• Step 3 - Mediation: We may suggest mediation for amicable resolution
• Step 4 - Arbitration: Disputes may be referred to arbitration as per Indian Arbitration Act
• Step 5 - Legal Action: As a last resort, disputes may be taken to court

Grievance Officer:

• For grievances or complaints, contact: info@bonchicares.in
• Phone: +91 8084001385
• We aim to respond to all grievances within 7 business days

15. Changes to Terms & Conditions

Bonchi Care reserves the right to modify these Terms & Conditions at any time:

• Changes will be posted on this page with an updated revision date
• Significant changes will be notified via email or app notification
• Continued use after changes constitutes acceptance of new terms
• If you do not agree with changes, you may cancel your membership (no refund)
• We encourage you to review these terms periodically

16. Force Majeure

Bonchi Care shall not be liable for any failure to perform due to circumstances beyond our reasonable control, including:

• Natural disasters (earthquakes, floods, pandemics, etc.)
• War, terrorism, civil unrest
• Government actions or regulations
• Internet or telecommunication failures
• Partner facility closures due to emergencies
• Any other events beyond our control

17. Third-Party Services

Our platform may contain links to third-party websites or services:

• We do not control third-party websites or services
• We are not responsible for their content, privacy policies, or practices
• Access to third-party services is at your own risk
• We do not endorse third-party products or services unless explicitly stated

18. Acceptance of Terms

What Constitutes Acceptance:

• Creating a Bonchi Care account
• Purchasing a Bonchi Healthcard membership
• Using the Bonchi Care app or website
• Presenting your Bonchi Healthcard at partner facilities
• Clicking "I Agree" during registration

If You Do Not Agree:

• Do not register for or use Bonchi Healthcard services
• Contact us to cancel your membership before activation for a full refund
• Do not present your card at partner facilities