Terms & Conditions

Effective Date: 27August 2019

Vital, a product of Lifefront Cover Private Limited is providing services on https://getvital.in for healthcare financing. The focus of the organisation lies on collaboration of technology and health insurance industry to bring simplification, accessibility and personalisation to the customer. Vital or Lifefront Cover Private Limited is by no means an insurance company. We have been registered as a certified corporate agent with the Insurance Regulatory and Development Authority of India (IRDAI).

IRDAI Registration Number:


Valid till:

August 26, 2022

CIN Number:


The information available on Vital website is given by our insurance providers and therefore, we do not guarantee its reliability and validity. In this regard, Vital cannot be held liable in relation to any website information and recommendations. You as a consumer while using the website is responsible for the final choice of product and is suggested to read all the information given before taking any action. In case of queries or doubts regarding any product or related terms and conditions, you can gain clarity from Vital or the concerned participating provider.

If you purchase any product from getvital.in, we may share your personal information with the concerned participating provider. However, Vital is not liable in case of any delay that may arise in acquiring the product chosen.

It is important to note that Vital is collecting premium on behalf of the concerned insurance provider.The acceptance of premium and final policy issuance is subject to the underwritten norms and discretion of the insurance company. In case of policy issuance, Vital ensures that the amount paid is refunded by the insurer.

I agree and consent to receive all communications at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, I further authorise Company to share/disclose the information to any third party service provider or any affiliates, group companies, their authorised agents or third party service providers.

Vital reserves the right to change this user agreement without any notice. As an informed customer, you acknowledge and agree that it is your responsibility to review this agreement from time to time to familiarize yourself with any alterations. Your regular use of this site after any alterations will constitute acknowledgement and agreement of the updated terms and conditions.

Responsible Use and Conduct

Vital related information, resources, services, products, and tools as provided on the website and accessed by you are on agreeable terms and conditions to be used directly or indirectly only for the purposes permitted by:

a. the terms of this User Agreement, and

b. applicable laws, regulations and generally accepted online practices or guidelines

Where you as a user understand that:

  • In order to access Vital resources, you may be asked to provide certain information about yourself (such as personal and contact details, etc.) for registration, or for your ability to use the resources. You agree that all information provided will always be accurate and updated.
  • You will be held accountable for maintaining the confidentiality of login information associated with any account you use to access our resources. Accordingly, you are responsible for all activities that occur under your accounts.
  • Accessing or attempting to access any of our resources by any unfair means is strictly prohibited. You agree not to access (or attempt to access) any of our Resources through any automated, unethical or unconventional means.
  • Engaging in any activity that disrupts or interferes with our resources including the servers or networks where resources are located or connected, is strictly prohibited.
  • Any attempt to copy, duplicate, reproduce, sell, trade, or resell our resources is strictly prohibited.
  • We may provide various open communication tools on our website, such as blog comments, blog posts, public chat, forums, message boards, newsgroups, product ratings and reviews, various social media services, etc. You understand that generally we do not pre-screen or monitor content posted by users of these various communication tools, which means that if you use these tools to submit any type of content on our website, then it is your personal responsibility to use these tools in a responsible and ethical manner. By posting information or otherwise using any open communication tools as mentioned, you agree that you will not upload, post, share, or otherwise distribute any content which:

a. Is illegal, threatening, defamatory, abusive, harassing, degrading, intimidating, fraudulent, deceptive, invasive, racist, or contains any type of suggestive, inappropriate, or has explicit language;

b. Infringes on any trademark, patent, trade secret, copyright, or other proprietary rights of any party;

c. Contains any type of unauthorized or unsolicited advertising;

d. Impersonates any person or entity, including any https://getvital.in

  • We hold the right at our sole discretion to remove any content that we feel does not comply with this User Agreement, along with any content that we feel is otherwise offensive, harmful, objectionable, inaccurate, or violates any third party copyrights or trademarks. We are not responsible for any delay or failure in removing such content. If you post content that we choose to remove, you hereby consent to such removal, and consent to waive any claim against us.
  • We do not assume any liability for any content posted by you or any other third party users of our website. However, any content posted by you using any open communication tools on our website, provided that it doesn’t violate or infringe on any third-party copyrights or trademarks becomes the property of Lifefront Cover Private Limited and as such, gives us a perpetual, irrevocable, worldwide, royalty-free, exclusive license to reproduce, modify, adapt, translate, publish, publicly display and/or distribute as we see fit. This only refers and applies to content posted via open communication tools as described, and does not refer to information that is provided as part of the registration process, necessary in order to use our resources. All information provided as part of our registration process is covered by our privacy policy.
  • You agree to indemnify and hold harmless Lifefront Cover Private Limited and their directors, officers, managers, employees, donors, agents, licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this User Agreement or the failure to fulfill any obligations relating to your account incurred by you or any other person using your account. We reserve the right to take over the exclusive defence of any claim for which we are entitled to indemnification under this User Agreement. In such event, you shall provide us with such cooperation as is reasonably requested by us.


Your privacy is very important to us, that is why we’ve created a separate Privacy Policy to explain in detail how we collect, manage, process, secure, and store your private information. Our privacy policy is included under the scope of this User Agreement. To read our privacy policy in its entirety, click here

Limitation of Warranties

By using our website, you understand and agree that all Resources we provide are “as is” and “as available”. This means that we do not represent or warrant to you that:

  • The use of our Resources will meet your needs or requirements.
  • The use of our Resources will be uninterrupted, timely, secure or free from errors.
  • The information obtained by using our Resources will be accurate or reliable, and
  • Any defects in the operation or functionality of any Resources we provide will be repaired or corrected.

Furthermore, you understand and agree that:

  • Any content downloaded or otherwise obtained through the use of our Resources is done at your own discretion and risk, and you are solely responsible for any damage to your computer or other devices for any loss of data that may result from accessing such content.
  • No information or advice, whether expressed, implied, oral or written, obtained by you from Lifefront Cover Private Limited or through any Resources we provide shall create any warranty, guarantee, or conditions of any kind, except for those expressly outlined in this User Agreement.

Limitation of Liability

In conjunction with the Limitation of Warranties as explained above, you expressly understand and agree that any claim against us shall be limited to the amount you paid, if any, for use of products and/or services. Lifefront Cover Private Limited will not be liable for any direct, indirect, incidental, consequential or exemplary loss or damages which may be incurred by you as a result of using our resources, or as a result of any changes, data loss or corruption, cancellation, loss of access, or downtime to the full extent that applicable limitation of liability laws apply.


All content and material available on https://getvital.in/ including but not limited to text, graphics, website name, code, images and logos are the intellectual property of Lifefront Cover Private Limited and are protected by applicable copyright and trademark law. Any inappropriate use including but not limited to the reproduction, distribution, display or transmission of any content on this site is strictly prohibited, unless specifically authorized by Lifefront Cover Private Limited.

Termination of Use

You agree that we may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement. Any suspected illegal, fraudulent or abusive activity may be grounds for terminating your relationship and may be referred to appropriate law enforcement authorities. Upon suspension or termination, your right to use the resources we provide will be immediately ceased, and we reserve the right to remove or delete any information that you may have on record with us, including any account or login information.

Governing Law

This website is controlled by Lifefront Cover Private Limited from our office located in Delhi, India. It can be accessed by most countries around the world. If any country has laws that may differ from those of Delhi, by accessing our website, you agree that the statutes and laws of Delhi, without regard to the conflict of laws and the United Nations Convention on the International Sales of Goods, will apply to all matters relating to the use of this website and the purchase of any products or services through this site.

Furthermore, any action to enforce this User Agreement shall be brought in the federal or state courts located in Delhi, India. You hereby agree to personal jurisdiction by such courts, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.




I agree and consent to receive all communications at the mobile number provided, even if this mobile number is registered under DND/NCPR list under TRAI regulations. And for that purpose, I further authorise Company to share/disclose the information to any third party service provider or any affiliates, group companies, their authorised agents or third party service providers.