Terms of Use

  • Generic Terms and Conditions

    All the terms and conditions inscribed hereunder, together with the privacy policy available at www.iho.in/privacystatement.php (“Privacy Policy”), voucher-specific terms and conditions (“Voucher T&Cs”), any other policies that may be notified from time to time and any disclaimers that may be available on the website www.iho.in (“IHO Website”),  shall constitute the agreement (the “Agreement” or “Terms of Use”) between Indian Health Organisation Private Limited (“IHO”), (CIN U85100DL2008PTC184571) a company incorporated under the Companies Act, 1956 of India, having its registered office at 213-B, Okhla Industrial Estate Phase-III, New Delhi-110020 and the registered individual user who has a valid and existing membership  of IHO’s product/coupon/voucher/package or any other service provided by IHO (“Services”)  (“IHO Member” or “you”).   If you are accessing and using the Services through IHO’s mobile application, then this Agreement will continue to apply to such access and use as well. In addition, there may be additional terms (such as the terms imposed by mobile application stores) which will govern the use of the mobile application.  IHO and you may also be referred to together as “Parties” or individually as “Party” in course of the Agreement.

  1. By using any of the Services, you agree to these Terms of Use and you agree to be bound by these Terms of Use and use the Services in compliance with these Terms of Use. PLEASE READ THESE TERMS OF USE CAREFULLY. IF YOU DO NOT AGREE TO BE BOUND BY (OR CANNOT COMPLY WITH) ANY OR ALL OF THE TERMS OF THE AGREEMENT, DO NOT CHECK/CLICK THE "I AGREE" BOX, DO NOT COMPLETE THE REGISTRATION PROCESS, AND DO NOT ATTEMPT TO ACCESS OR USE ANY SERVICES. You expressly represent and warrant that you will not use these Services if you do not understand, agree to become a party to, and abide by all of the Terms of Use. Any violation of these Terms of Use may result in legal liability upon you. Nothing in these Terms of Use should be construed to confer any right(s) to any third party or any other person.
  2. vHealth helpdesk can be contacted anytime from 8 am till 8 pm on all days, except national holidays. It may be noted that some of the Services may not be available on Sundays. vHealth  helpdesk contact number is 1800 103 4466.
  3. It is hereby declared that vHealth is not a merchant, manufacturer, or provider of medical services, save for its provision of virtual health services. vHealth makes no express or implied representations or warranties about the description, quality, fitness for any particular purpose, productiveness, or any other matter in relation to Services and disclaims any implied warranties, including, but not limited to, warranties or implied warranties of merchantability or fitness for a particular purpose or use or non-infringement. In addition to this vHealth also does not authorize anyone to make any warranty on vHealth’s behalf. vHealth and the third party provider of any medical services to you, which you access in conjunction with using the Services (“Medical Service Provider”) reserve the right to revise their charges at any time.
  4. SERVICES OFFERED BY VHEALTH ARE NOT HEALTH INSURANCE POLICIES. The Services provides vHealth Members with discounted services through Medical Service Providers at certain locations and access to vHealth virtual health services. The benefits provided through the Services are not applicable if you claim insurance benefits on the medical services provided.
  5. The Medical Service Providers are independent entities / professionals in private practice and are neither employees nor agents of vHealth and/or its parents, subsidiaries or affiliates. vHealth does not recommend or suggest any particular Medical Service Provider or promote any particular Medical Service Provider's name or practice. Further, vHealth does not make any representations or warranties with respect to Medical Service Providers or the quality of the healthcare services they may provide. vHealth shall not be responsible for any breach of service or service deficiency by any Medical Service Providers.
  6. You shall not deliberately use the Services in any way that is unlawful or harms vHealth or Medical Service Providers, their directors, employees, affiliates, distributors, partners, service providers and/or other vHealth Members. If vHealth suspects any illegal, wrongful or fraudulent activity, then notwithstanding any other rights vHealth may have, vHealth reserves the right to inform the relevant government or law enforcement authorities. vHealth will cooperate in all investigative procedures or requests for access / information initiated by any such government or law enforcement authorities.
  7. vHealth reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any error or omissions in, any component of, or term relating to, the Services or any voucher issued to you by vHealth and update information from time to time.
  8. By using any of the Services, you hereby unconditionally give your consent, subject to the provisions of applicable law, for vHealth to contact you by telephone, SMS or any other mode in relation to the Services as well as for promotion of its services and products; irrespective of the fact that your mobile number may be registered with DND/DNC registry. It is your responsibility to ensure that the contact details provided by you is correct
  9. Coupons / voucher /offers / services issued to you by vHealth as part of the Services SHALL UNDER NO CIRCUMSTANCES BE REDEEMEDABLE FOR CASH AT ANY TIME
  10. Any voucher offered by vHealth may be issued in such manner and form, whether paper, electronic or otherwise, as vHealth deems fit. The right to utilize the voucher shall vest with an active vHealth member, subject to a condition that the voucher is utilized before its expiry date. In exceptional cases, some vouchers/ offers/services may be redeemed by/ made available by customers who are not vHealth Members; subject to the sole discretion of vHealth. In such case, the non vHealth Member is deemed to have agreed and accepted the terms and conditions of the Agreement
  11. 11. Any advice provided by any Medical Service Provider or thevHealth virtual health service shall depend solely on the completeness and accuracy of the information provided by you. Neither vHealth nor any Medical Service Provider shall be responsible for any damage, whether physical, emotional, psychological or financial, caused to you due to any improper/unintended use of the Services, any coupon issued to you or any of the benefits available thereunder, which includes but is not limited to the misinterpretation of the advice given by any Medical Service Provider or vHealth’s virtual health service to you
  12. The Service offered by vHealth and Medical Service Provider are provided on “As Is” and “As Available” basis and  may be subject to certain limitations Consequently in no event shall vHealth and/or any Medical Service Provider be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages, including lost business/revenue/profit/goodwill or damages arising from your use or unavailability of the Services and/or any other the services offered to you byvHealth in any manner whether or not vHealth has been warned of the possibility of such damages or could have reasonably foreseen such damages. You shall not be entitled to specific performance of any of the Terms. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction and, regardless of the form of the action, will at all times be limited to the aggregate of amount received from you by vHealth for the Services in the 12 months preceding the cause of action. You specifically agree and understand that neither vHealth nor any Medical Service Provider is liable to you for any content or illegal conduct of any third party and that you alone accept such risk of harm
  13. The views and suggestions expressed by Medical Service Providers in the course of providing the Medical Services shall in no manner be construed as an endorsement by vHealth. vHealth shall not be responsible in any manner whatsoever for any act, omission, treatment, diagnosis, advice, view, suggestion or opinion, whether medical or non-medical, professional or non-professional of any Medical Service Provider for any reason whatsoever
  14. vHealth is entitled, without any liability whatsoever, to refuse, limit, suspend, vary or discontinue the provision of any of the Services at any time for any reasonable cause as vHealth may deem fit.
  15. Notwithstanding the aforesaid, the provision of medical services by any Medical Service Provider and any matter relating thereto including but not limited to the manner and the form in which the medical services may be made available to you by any Medical Service Provider may be altered, withdrawn, modified or changed at any point of time. You agree to be bound by any such modifications.
  16. The Terms of Use, any Specific Service Terms, the Medical Service Providers’ own terms of service and the Services may periodically change, thus you are hereby requested to call our customer service call center or visit our website to check these before making an appointment with any Medical Service Provider.
  17. MEMBERSHIP TERM: Once the initial membership fee and any enrollment, processing or other fee is paid by you and received by vHealth, you will become an vHealth Member and will be entitled to the Services during from such date until the date of expiry stated on the vHealth membership card which will be sent to you CANCELLATION : If a member wishes to cancel/terminate his/her vHealth membership, he may do so by calling vHealth or sending an email within first 14 days of receiving the welcome kit from vHealth and the amount paid by the member shall be refunded by the way of electronic transfer or account payee cheque.
  18. RENEWAL OF MEMBERSHIP: Members may be informed by vHealth about expiry of membership at least one month in advance of their membership card expiry date. It is the responsibility of the member to ensure that vHealth receives the payment for renewal of membership at least two weeks prior to the membership card expiry date. vHealth is not responsible and assumes no liability for any suspension or cancellation of your access to the Services in the event your renewal payment is delayed or if vHealth is unable to process or cash-in your payment cheque. In case of dishonoured cheques, a penalty may be charged. Your access to the Services will be suspended from the expiry date on your current membership card until vHealth receives full payment for your membership for the next year.
  19. RENEWAL CHARGES: The charges for renewal can be confirmed from a month before the expiry date of your membership by calling the vHealth helpdesk number. All benefits of the Services will cease upon the expiry of your membership until you successfully renew.
  20. LOST CARD: In case of loss of membership card, for any reason whatsoever, vHealth will issue you with a duplicate membership card at a charge of Rs. 100 /- per card (plus the applicable taxes). The tenure of the membership will remain as specified in the initial membership card, and will also be stated on the replacement card.  You will be solely responsible for any activity that is undertaken through your membership until you report your lost card to vHealth help desk.
  21. COMPLAINTS: vHealth Members are advised to address their complaints, if any, to our representatives through the contact number or email id provided on the vHealth Website. However if you are not satisfied with the representatives response(s), you may write to us at our corporate office address or mail us at customerservice@iho.in. An vHealth Member’s rights or duties under these Terms of Use may not be assigned or delegated without the prior express written consent of vHealth.
  22. vHealth reserve the right to modify the Terms of Use at any time without giving you any prior notice. Any additional terms and conditions, disclaimers, privacy policies and other policies applicable to general and specific areas of these Services or to particular Services are also considered part of these Terms of Use. By agreeing to these Terms of Use, you also agree to the specific terms of use of the specific Services, which are available at vHealth.io.
  23. THIRD PARTY LINKS: You may be provided with links on the vHealth website that directs you to third party websites / applications / content or service providers, including advertisers and e-commerce websites (collectively “Third Party Websites”). Links to such Third Party Websites are provided for your convenience only. Please exercise your independent judgment and prudence when visiting / using any Third Party Websites via a link available on the Website. Should you decide to click on the links to visit such Third Party Website, you do so of your own volition. Your usage of such Third Party Websites and all content available on such Third Party Websites is subject to the terms of use of the respective Third Party Website and vHealth is not responsible for your use of any Third Party Websites. vHealth does not endorse any Third Party Websites that you may be directed to from the vHealth Website.
  24. INTELLECTUAL PROPERTY: VHEALTH respects the intellectual property rights of others, and it expect the same from you. All the content on vHealth website as well as the product/coupon/voucher/package is protected by applicable intellectual property laws. All intellectual property in and to the vHealth website, any software, techniques and processes used in connection with the website, and the product/coupon/voucher/package belongs exclusively to vHealth or its licensors. Through your use of the website, by no means are any rights impliedly or expressly granted by vHealth to you in respect of such works. vHealth and/or its licensors assert all proprietary rights in and to all names and trademarks contained on the website as well as the product/coupon/voucher/package. Notwithstanding the generality of the foregoing, the name, “Indian Health Organisation” and “Aetna” are the trademark and copyright (or any other intellectual property right) of vHealth and/or its licensors. Any use of the vHealth’s trademarks or copyright, unless otherwise authorized in a written agreement, will constitute an infringement upon the trademark and copyright (or any other such intellectual property right) of vHealth and may be actionable under the applicable laws. When you use the vHealth website in accordance with this Agreement, a limited royalty-free right is granted to you by vHealth for personal and non-commercial use in India for the time that you are vHealth Member. Unless explicitly stated herein, nothing in this Agreement shall be construed as conferring on you any license to intellectual property rights, whether by estoppel, implication, or otherwise. You hereby agree not to reproduce, modify, sell, distribute, mirror, frame, republish, download, transmit, or create derivative works of the vHealth, in whole or in part, by any means. You must not remove or modify any copyright or trademark notice, or other notice of ownership on vHealth website as well as the product/coupon/voucher/package.
  25. REPRESENTATIONS AND WARRANTIES: You hereby represent and warrant that 
    a) You are 18 years of age or older and that your use of the Services shall not violate any applicable law or regulation; In case a minor person (i.e. individual less than 18 years of age) obtains Services as part of your vHealth Membership, then You  will 
    (i) ensure that the minor person observes and complies with the Terms of Use and
    (ii) assume full liability for any non-compliance or violation of the Terms of Use by the minor in a way that any  non-compliance or violation by the minor person shall be deemed to have been committed by You.
    b) All information you submit is complete and accurate and that you agree to maintain the completeness and accuracy of such information;
    c) You will use the Services solely for your personal and non-commercial use; and
    d) You will not use the Services in any way that is unlawful, or harms any person or entity.
  26.  INDEMNIFICATION: You hereby indemnify, defend, and hold vHealth, vHealth’s distributors, agents, service providers, partners, representatives and other vHealth Members, and each of the foregoing entities' respective officers, directors, owners, employees, agents, representatives, harmless from and against any and all losses, damages, liabilities and costs arising from (i) your use of the Services (ii) your breach of provisions of this Agreement and (iii) any negligent or intentional wrongdoing or omission on your part.
  27. TERMINATION: vHealth reserves the right, in the event it finds out in its sole discretion that you breached the Agreement, to suspend and / or terminate your access to and use of Services with or without notice to you. Any suspected illegal, fraudulent or abusive activity may be grounds for suspending and / or terminating your access to and use of Services. Upon suspension or termination, your right to use the features on the vHealth website as well as to utilize the product/coupon/voucher/package shall immediately cease. vHealth shall not be liable to you or any third party for any refund of the membership fees or claims or damages arising out of any suspension or termination of your access to and use of Services or any other actions taken by vHealth in connection with such suspension or termination.
  28. GOVERNING LAW AND DISPUTE RESOLUTION: Any dispute, claim or controversy arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of this Agreement to arbitrate, or to the Services, shall be determined by arbitration in India, before a single arbitrator. Arbitration shall be conducted in accordance with the Arbitration and Conciliation Act, 1996. The venue of such arbitration shall be New Delhi, India. All proceedings of such arbitration, including, without limitation, any awards, shall be in the English language. The award shall be final and binding on the Parties. However, the Parties shall have the right to apply to a court of competent jurisdiction to obtain interim injunctive relief in respect of any dispute, pending resolution of such dispute in accordance with the Agreement.
  29. GENERAL PROVSIONS:
    a. Severability. If any provision of this Agreement is held by a court of competent jurisdiction or arbitral tribunal to be unenforceable under applicable law, then such provision shall be excluded from the Agreement and the remainder of the Agreement shall be interpreted as if such provision were so excluded and shall be enforceable in accordance with its terms; provided however that, in such event the Agreement shall be interpreted so as to give effect, to the greatest extent consistent with and permitted by applicable law, to the meaning and intention of the excluded provision as determined by such court of competent jurisdiction or arbitral tribunal.
    b. Notices. All notices and other communications required or permitted hereunder shall be in writing, in the English language, and shall be sent by e-mail or or mailed by prepaid internationally-recognized courier, or otherwise delivered by hand or by messenger, addressed to such Party's address as set forth below or at such other address as the Party shall have furnished to the other Party in writing in accordance with this provision:

    If to vHealth:
    i.  at vHealth’s service email id i.e. customerservice@iho.in;
    ii. by sending physical mails at 213-B, Okhla Industrial Estate, Phase-III, Delhi-110020

    If to you:
    i. at the email address provided by you to us when you registered as a vHealth Member or as updated from time to time by notifying vHealth
    c. Waiver. No term of the Agreement shall be deemed waived and no breach excused, unless such waiver or consent shall be in writing and signed by the Party claimed to have waived or consented. Any consent by any Party to, or waiver of a breach by the other, whether expressed or implied, shall not constitute consent to, waiver of, or excuse for any other different or subsequent breach.
    d. Complete Understanding. The Agreement contain the entire understanding of the Parties, and there are no other written or oral understandings or promises between the Parties with respect to the subject matter of the Agreement other than those contained or referenced in the Agreement.
    e. Force Majeure. vHealth shall not be liable for any deficiency or delay in Service caused by circumstances beyond vHealth’s reasonable control, including without limitation, acts of God, acts of government, floods, fires, earthquakes, civil unrest, acts of terror, strikes or other labour problems, internet service provider failures or delays, or denial of service attacks.
    f. Conflict. In the event there is any conflict between the terms set out in these Terms of Use, the Privacy Policy, Voucher T&Cs and any other policies applicable to Services, the following order of prevalence shall apply: (i) the Terms of Use (ii) the Privacy Policy (iii) Voucher T&Cs (iv) any other policies applicable to Services.
  • Terms of Use : Tele / Video Consultation services (Virtual health services)
  1. vHealth may have to collect your identifiable health information including physical, physiological and mental health condition, and medical records and history as part of vHealth virtual health services. The use of your sensitive personal information which includes your health information will be governed vHealth’s Privacy Policy. When you click or check on the ‘I accept’/ ‘I agree’ tab at the time of registering or otherwise provide your personal information, you specifically consent to vHealth’s Privacy Policy.
  2. vHealth does not endorse or influence control over any particular branch of medicine, theory, opinion, viewpoint or position on any topic
  3. You understand and agree that any interactions and associated issues with the healthcare practitioners over an audio-visual medium, such as in the case of vHealth’s virtual health services, has inherent limitations as compared to physical consultation such as: without limitation:
    a) In some instances the information transmitted may be of insufficient quality to allow for appropriate medical or health care decision making by the health care practitioner (i.e., poor resolution images, etc.) ;
    b) There may be delays in evaluation or treatment could occur due to failure of the electronic equipment;
    c) In some instances a lack of access to all of your medical records may result in adverse drug reactions or allergic reactions or other judgment errors;
    d) The health care practitioner may, in his or her sole discretion and professional judgment, determine that telemedicine services are not appropriate for some or all of your treatment needs and, accordingly, may elect not to provide telemedicine services to you through vHealth virtual health service.

    If you decide to use vHealth’s virtual health service, you do so in full awareness of such limitations.
  4. vHealth has undertaken basic due diligence at the time of engaging a healthcare practitioner for its virtual health service such as checking his/her medical council registration. vHealth does not warrant that the healthcare practitioners engaged for the purpose of providing virtual health services shall be possessed of any particular skill or qualification other than what is expressly communicated to you by vHealth.
  5. You hereby agree that you shall strictly adhere to the advise and instruction received by you under the virtual health services.
  6. You shall inform, or arrange to inform, vHealth help desk as soon as possible if a medical emergency develops or in the unfortunate event of death.
  7. You agree that vHealth may record, save and store all tele-consultations / instant messaging chat consultations / text messages / audios / videos / transcripts / prescriptions / email and hard copy correspondences with you for record purposes and produce these as evidence if required before or directed by a court of law.
  8. You agree that vHealth may record, save and store all tele-consultations / instant messaging chat consultations / text messages / audios / videos / transcripts / prescriptions / email and hard copy correspondences with you for record purposes and produce these as evidence if required before or directed by a court of law or as allowed under the Privacy Policy
  9. Before using virtual health services, you agree that you are aware and understand that:
    a) Virtual health services are not intended to replace existing primary physician relationship.
    b) Medical services rendered by health care practitioners under virtual health service are subject solely to their professional judgment.
    c) There is no guarantee that a prescription will be given to you. The health care practitioner may prescribe medications when medically indicated in their sole professional judgment.
    d) No Schedule X drugs (i.e. psychotropic and other mind altering drugs) shall not be prescribed to you because of their potential for abuse.
    e) Use of vHealth virtual health service is not for emergencies. You will not use vHealth’s virtual health services for medical emergencies except when no other alternative is available. vHealth hereby clarifies that its virtual health services is not intended to support medical emergency cases.
  10. VHEALTH DISCLAIMS ANY REPRESENTATION AND/OR WARRANTY AND/OR LIABILITY FOR (I) THE SECURITY, RELIABILITY, QUALITY, TIMELINESS, AND PERFORMANCE OF THE VIRTUAL HEALTH SERVICES (II) ACCURACY OR COMPLETENESS OF THE PROFESSIONAL OPINION OF HEALTHCARE PRACTITIONERS WHO INTERACT WITH VHEALTH MEMBERS AS PART OF VIRTUAL HEALTH SERVICES (III) TIMELY TRANSMISSIONS OF DATA.
  11. VHEALTH EXPRESSLY DISCLAIMS ANY LIABLITY ARISING OUT OF ANY PRE-EXISTING MEDICAL CONDITION, ANY ADVERSE DRUG REACTION, MEDICAL PROCEDURE RELATED CONDITION THAT IS NOT CONNECTED TO VHEALTH, NEGLIGENCE OR MISCONDUCT OF HEALTHCARE PRACTITIONER ENGAGED BY VHEALTH FOR VIRTUAL HEALTH SERVICES.
  • Terms of Use : Diagnostic services

  1. For availing certain health check facilities you need to comply with certain conditions as directed
  2. Payment to the concerned lab shall be made directly by you at the time of availing the concerned health check profile (s), unless otherwise agreed upon between you and the concerned lab. It is pertinent to note that the MRP of the test under different profiles may differ from laboratories to laboratories, and accordingly, the savings on each profile may differ depending on the MRP of each profile. vHealth shall have the right to revise the prices of the profiles set out in the vHealth’s Health Membership without giving any prior notice for the same.
  3. Once the appointment is confirmed, you are required to undergo all the tests mentioned in the selected profile at the desired laboratory. You are further requested to hand over the profile leaf at the desired laboratory before availing of the Medical Services. Each profile test shall be done in accordance with the test defined on profile voucher as A or B. The responsibility of collecting the test reports shall be on you pursuant to the redemption of voucher, and the same shall be collected from the concerned laboratory, where the test was conducted.
  4. It is hereby clarified that the confirmation for the appointment for availing of the Medical Services or home collection facility is subject to the availability and time of the Medical Service Provider. In the event of non-availability of home collection facility for a given package is not available in your city/ location; you may be required to visit the laboratories nearest to your location as per the address provided by vHealth helpdesk. You shall not be entitled to any concession on the fees pertaining to the Medical Services in case the home collection facility (for the purpose of receiving such Medical Services) is availed by you. You shall be required to pay any amount ranging from Rs. 50/- (Rupees fifty only) to Rs. 200/- (Rupees two hundred only) to the referred lab/lab technician depending on the distance of the laboratory from the collection area.
  • Terms of Use : Healthcare @ Home services

    The vHealth Healthcare@home services shall enable you to avail certain healthcare related services from any specialist pursuant to their visit to your house depending upon your requirements and/or medical diagnosis as well as the type of the medical services being provided by the Service Provider, subject to the specialist’s availability (hereinafter collectively referred to as “Services”).


  1. Nursing pricing shall be based on the gravity of the case/ illness. The grade of illness can range from Grade 1 to Grade 4, depending upon the level of severity.
  2. To avail of the vHealth Healthcare@home services, you shall be required to contact vHealth by calling the relevant help-desk number (“vHealth Helpdesk”) between 8 am and 8 pm on all days, except national holidays and public holidays.
  3. You hereby agree that the payment shall be made through debit card/ credit card to the Service Provider, and the same shall be credited into the bank account designated by the Service Provider before availing vHealth.
  4. Once the request for the appointment is generated by you, vHealth shall call you to confirm the appointment within 24 (twenty four) [working] hours from the receipt of the request for such appointment with the concerned Specialist. Once the appointment is confirmed, the Specialist shall visit at the address provided by you to vHealth while fixing the said appointment.
  5. Any of the offers for availing of the Services cannot be clubbed with any existing offers and schemes or with any other offers or schemes provided by IHO, at any given point of time. It is hereby clarified that the confirmation for the appointment for availing the Services shall at all times be subject to the availability of the Specialist(s).
  • Terms of Use : EMI Facility

  1. Interest rate/ processing fee charged by the credit card holder’s credit card issuing bank is to be borne by the credit card holder only.
  2. All applicable interest/processing fee charges are levied by the credit card’s transactional bank, vHealth has no accountability whatsoever, on the levied charges.
  3. In case of cancellation, vHealth’s cancellation policy will be applicable, and in case of approval of cancellation, vHealth shall only refund the vHealth product’s standard amount & shall not be responsible for reversing or refunding any interest /processing fee charged by the credit card holder’s credit card issuing bank.
  4. The EMI amounts displayed is of tentative nature in lieu of approximate calculation. The actual EMI amount as per selected tenure might vary as per interest charged by the credit card issuing bank(s), & vHealth shall not bear any and all accountability for any such change in interest / processing fees charged by the credit card issuing bank for any transaction done for purchase of vHealth’s product(s).
  • Contest Name: Independence Day Offer

    Part – A- Terms & Conditions:

  1. By participating in this Contest, You agree to be legally bound by and abide by the below stated terms & conditions (T&C). You confirm and acknowledge that you have read, understood and agreed to conform to these Terms and Conditions. If you do not agree to these terms & conditions, please do not participate in this Contest. Indian Health Organisation Pvt. Ltd., (hereinafter referred to as ‘vHealth’ which term shall include Indian Health Organisation Pvt. Ltd. and its permitted assigns reserves the right to amend, modify, change, add or terminate these terms and conditions or discontinue this Contest without any further notice.
  2. This contest is valid from 11th August, 2017 at 00:00:00 hours till 18th August, 2017 at 23:59:59 hours (both days included), hereinafter referred to as “Contest Period”. This Contest shall not be applicable for the participants of the states where any such activity is expressly prohibited by Law, as applicable.
  3. This offer is exclusively for active and valid vHealth Members.
  4. This offer is valid ONLY FOR making NEW vHealth app registrations from mobile.
  5. vHealth shall in no case whatsoever be liable to any vHealth Member not being able to avail the offer due to any circumstances whatsoever.
  6. 2 lucky winners will be announced by 25th August, 2017. Two lucky winners will get a iPad Mini & a Home Theatre respectively. (hereinafter referred to as Prize/Gratification”).
  7. Once the lucky winners are announced, KYC process will need to be completed by such lucky winners
  8. vHealth reserves the right to disqualify any vHealth Member and/or registration from participation in this offer.
  9. Winner shall be announced by vHealth in its sole discretion.
  10. vHealth shall have the sole discretion to exclude any vHealth Member from participating in the Offer without any obligation to furnish any notice and/or reason
  11. The quality and make of the Home Theatre to be given to the lucky winners shall be at the sole discretion of the vHealth.
  12. The prize/gift is not transferable, exchangeable for cash or any other items.
  13. By participating in the Offer, the vHealth Member is deemed to have accepted and agreed to be bound by these Terms and Conditions and any other instructions, terms and conditions that vHealth may issue from time to time.
  14. vHealth shall also make two(2) attempts within 48 working hours after completion of announcement period to contact the winner on their registered Mobile Number (as per vHealth’s records) to inform about the gratification and further process of claiming the gratification.
  15. The gratification will be forfeited and the winner agrees to surrender the gratification
  1. a. The winner does not get contacted within 48 working hours
  2. b. The winner does not claim the gratification and/or fails to submit all necessary documents within 7 (Seven) working days of being contacted by the vHealth.
  3. Post  selection  of  winner(s),  the  results  will  be  published  on  mentioned on vHealth’s website.well as the product/coupon/voucher/package.
  • Part – B- Terms & Conditions:

  1. The participation in the Contest is open only for the Contest Period and the Contest is open to all Indian citizens of 18 years of age or above. Further, to participate in contest the participant needs to be a valid IHO members.
  2. The residents of the state of Tamil Nadu (as per Tamil Nadu Prize Scheme (Prohibition) Act 1979) and wherever else prohibited by Law, shall not be entitled to participate in this contest as applicable.
  3. Employees of IHO (including their family members) and of their group companies, affiliate or associate companies, shall not be eligible for any of the gratifications under this Contest. In case it comes to the knowledge of IHO that any winner is an employee of IHO or their family member, IHO reserves the right to forfeit the gratification.
  4. In addition terms and conditions mentioned at https://iho.in/terms shall apply.
  5. By participating in this Contest, participants have given us the right to use your name and photograph and for the purpose of this Contest including announcing your name as eligible participant on social media, IHO platform, or in public domain.
  6. By participating in the Contest, participants consent to the following information available on IHO platform and their concerned vendors and/or published or otherwise communicated to in any media that IHO may deem fit, for the purpose of winner’s announcement: name, mobile phone number, score and/or photograph. IHO may, at their discretion, choose not to disclose the identity of the selected winner(s) to other participants unless expressly mentioned herein. The participants also consent to the information being shared by IHO with its affiliates and service providers and to the information being processed and stored in the servers of IHO or its service providers, inside or outside India.
  7. Participants acknowledge and agree that all copyright and trademarks and all other intellectual property rights in the SMS content, WAP/APP, Website and all material or content related to the Contest shall remain, at all times, owned by IHO. All material and content contained is made available for participant’s personal  and  non-commercial  use  only.  Any other  use  of  the material/ content on the platform and/ or any information disseminated by SMS or any other means of communication is strictly prohibited.
  8. Subject to any applicable law (a) All warranties of any kind whatsoever, whether express or implied, are hereby expressly DISCLAIMED including, but   not   limited   to,   meeting   of   the   participant's   requirements  or aspirations, timeliness, security, the results or reliability of the Contest, delay in sending or receiving the SMS for participating in the Contest, delay in time taken or recorded for answering a question under the tie- breaker process, or the delivery, quality, quantity, merchantability, fitness for use or non-infringement in respect of any goods, services, benefits or awards acquired or obtained through the Contest or any transactions effected through the Contest; (b) The participant expressly agree that his/her participation in the Contest is at his/her sole risk and is governed by the T&C herein; and (c) No advice or information whether by representations, oral, written or pictorial derived from the platforms including but not limited to websites/ SMS, shall be construed to mean the giving of any warranty of any kind.
  9. The gratification(s) under this Contest are neither assignable nor transferable under any circumstance, unless specifically provided hereunder. All the gratifications shall be subject to such other T&C as may be applicable to specific gratification and shall have to be duly complied with by the winner(s).
  10. The gratification(s) to the winner(s) shall be given subject to compliance with all applicable statutory legislations, processes and formalities in connection with the gratification(s) and on production of all such documents/papers as may be required by IHO before accepting the delivery of the gratification. Any failure on the part of the winner(s) to comply with directions issued by IHO for claim of gratification shall entitle IHO to forfeit the gratification(s) or roll the gratification over to the next eligible winner(s), at their sole discretion.
  11. Any participant providing any incorrect information or concealing/withholding any information from IHO with intent to participate and/or be chosen as the winner(s) of the Contest will automatically be disqualified from participating in it and being chosen as the winner(s) of the different categories of gratification. Such act of providing incorrect information or concealing/withholding any information, including without limitation incorrect declaration of information relating to name, age, identity, address, mobile connection of Operator number, domicile etc, by the participant or dispute with the platform, shall entitle IHO to disqualify him/her without any further intimation.
  12. The participants shall indemnify and keep indemnified IHO and their officers, directors, employees, customers, affiliates and agents harmless from and against any and all claims, losses, suits, proceedings, action, liabilities, damages, expenses and costs (including attorney’s fees and court costs) which IHO may incur, pay or become responsible as facilitator as a result of breach or alleged breach of the representations or obligations of the Participants under the T&C hereunder, any failure by the participants to comply with applicable law and any third party claim in respect of misuse of any information of a third party. IHO shall have the right to defend themselves, pursuant to this Clause, at the cost of the participants. IHO or their respective affiliates shall not be responsible for any direct, indirect, incidental, special, punitive or consequential damages, including loss of profits, incurred by the winner(s) or any third party, in connection with the Contest. It is expressly provided that transaction shall be between Participant & IHO only.
  13. All incidental costs, taxes or levies related to the gratification(s), if any, shall be exclusively borne by the winner(s), including but not limited to TDS, gift tax (if any), Insurance and any other taxes applicable by the Central, State or Municipal government. The participant/s who have won the gratifications have to make their own  arrangements  for  travel,  accommodation  to  claim  the  gratification  (if applicable); IHO shall not be responsible for the same or any cost of travel and accommodation incurred by any of them.
  14. The participants and Winner(s) hereby irrevocably authorize IHO and its owners, affiliates, subsidiaries, associates to use the data gathered during and/or after the Contest in respect of the Participant (including but not limited to name and photograph) in any of its communications including marketing promotions and advertisements. By participating in the contest, participant/s confirms to waive the applicability of rules and regulations of the National Do Not Call Registry and agrees to receive updates and promotional messages / SMS / Email / Call for current and future contests from IHO.
  15. This Contest is subject to force majeure circumstances including without limitation, floods, natural disasters, war, act of terror, political unrests, technical snags, act of God, change of laws or any circumstance beyond the reasonable control of IHO (“Force Majeure Event”). IHO shall not be liable for any delay or adverse effect caused to this Contest there under as a result of a Force Majeure Event. IHO shall intimate the suspension of Contest caused as a result of such Force Majeure Event to the participants within reasonable time.
  16. This  Contest  is  subject  to  guidelines/  directions  issued  by  any  applicable competent authority (Government or otherwise) from time to time.
  17. IHO shall not be responsible for any claims arising out of technical failures before, during the Contest or after the completion including but not limited to any technical failures in the mobile connectivity, delay in sending or receiving the SMS for participating  in  the  Contest,  any  action  that  has  been  initiated,  actioned  or completed through his/her mobile phones, failure of servers or the failure to provide the correct score updates or any failures arising out of technical snags or resultant inability of the participant.
  18. IHO reserves the right to extend, cancel, discontinue, prematurely withdraw, change, alter or modify this Contest or any part thereof including the eligibility criteria, the T&C and gratification at their sole discretion at any time during its validity as may be required including in view of business exigencies and/or changes by a regulatory authority and/or statutory changes and/or any reasons beyond their control and the same shall be binding on the participant.
  19. Failure by IHO to enforce any of their rights at any stage does not constitute a waiver of those rights. Further, IHO may assign any of its rights within the Contest to any party without prior intimation to participants.
  20. IHO does not make any commitment, express or implied to respond to any feedback, suggestion and/or queries of the participants.
  21. IHO shall also not be liable for  any  defect  in  the  Prize  so  offered  to  the  Winner  under  this  Contest  (as applicable). The winner further understands that the goods provided as prize will carry  manufacturer’s  guarantee  and  in  case  of  any  deficiency  in  the  goods, participant will contact the manufacturer only (as applicable).
  22. The Prize is subject to availability and same can be replaced in form of the 70% equivalent amount of winning prize in form of Cash vide Cheque / Demand Draft only at sole discretion of IHO.
  23. The winners understand and agree that IHO, its owners and affiliates, shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal loss or injury that may be suffered (including loss of life), to a Winner and/or any third party, directly or indirectly, by use or non-use of the Prize.
  24. Apart from the entitlement to the Prize, the winners or their legal heirs/ successors/ representative will have no other rights or claims against IHO, its owners and affiliates. Maximum aggregate liability of IHO shall not exceed value of the concerned prize in case of any dispute, in pursuance to the terms and conditions herein.
  25. The  winner(s)  understand  and  agree  that  acceptance  of  the  Prize  by  them, constitutes grant of permission to the facilitators to click photographs of the winner and use the winner’s names, photograph, preferences (likes and dislikes), voice and comments for advertising and promotional purposes in any media worldwide, only for the purposes of advertising and trade without any additional compensation whatsoever to the winners. The participant/winner hereby provides his/ her irrevocable  consent  for  sharing  /submission  of  his/her  personal  information  to IHO, and subsequent use by IHO of such information for lawful purposes as per its discretion.
  26. Post  winner(s)  declaration  and  completion  of  their  announcement  and  further process as the case may be if IHO finds that the declared winner(s) are wrong then IHO reserves the right to declare the correct winner(s) again and cancel the gratification of winner(s) declared earlier.
  27. Any dispute arising out of this offer and terms & conditions of this Contest shall first be attempted to be resolved amicably through negotiations. In the event, amicable settlement fails, the dispute shall be referred to Mediation. The venue of Mediation shall be at Delhi.
  28. These Terms and Conditions are subject to Indian law and the exclusive jurisdiction of the Courts in Delhi.
  • Contest Name: Rakhi Special Offer

    Part – A- Terms & Conditions:

  1. The participation in the Contest is open only for the Contest Period and the Contest is open to all Indian citizens of 18 years of age or above. Further, to participate in contest the participant needs to be a valid IHO members.
  2. The residents of the state of Tamil Nadu (as per Tamil Nadu Prize Scheme (Prohibition) Act 1979) and wherever else prohibited by Law, shall not be entitled to participate in this contest as applicable.
  3. Employees of IHO (including their family members) and of their group companies, affiliate or associate companies, shall not be eligible for any of the gratifications under this Contest. In case it comes to the knowledge of IHO that any winner is an employee of IHO or their family member, IHO reserves the right to forfeit the gratification.
  4. In addition terms and conditions mentioned at https://iho.in/terms shall apply.
  5. By participating in this Contest, participants have given us the right to use your name and photograph and for the purpose of this Contest including announcing your name as eligible participant on social media, IHO platform, or in public domain.
  6. By participating in the Contest, participants consent to the following information available on IHO platform and their concerned vendors and/or published or otherwise communicated to in any media that IHO may deem fit, for the purpose of winner’s announcement: name, mobile phone number, score and/or photograph. IHO may, at their discretion, choose not to disclose the identity of the selected winner(s) to other participants unless expressly mentioned herein. The participants also consent to the information being shared by IHO with its affiliates and service providers and to the information being processed and stored in the servers of IHO or its service providers, inside or outside India.
  7. Participants acknowledge and agree that all copyright and trademarks and all other intellectual property rights in the SMS content, WAP/APP, Website and all material or content related to the Contest shall remain, at all times, owned by IHO. All material and content contained is made available for participant’s personal  and  non-commercial  use  only.  Any other  use  of  the material/ content on the platform and/ or any information disseminated by SMS or any other means of communication is strictly prohibited.
  8. Subject to any applicable law (a) All warranties of any kind whatsoever, whether express or implied, are hereby expressly DISCLAIMED including, but   not   limited   to,   meeting   of   the   participant's   requirements  or aspirations, timeliness, security, the results or reliability of the Contest, delay in sending or receiving the SMS for participating in the Contest, delay in time taken or recorded for answering a question under the tie- breaker process, or the delivery, quality, quantity, merchantability, fitness for use or non-infringement in respect of any goods, services, benefits or awards acquired or obtained through the Contest or any transactions effected through the Contest; (b) The participant expressly agree that his/her participation in the Contest is at his/her sole risk and is governed by the T&C herein; and (c) No advice or information whether by representations, oral, written or pictorial derived from the platforms including but not limited to websites/ SMS, shall be construed to mean the giving of any warranty of any kind.
  9. The gratification(s) under this Contest are neither assignable nor transferable under any circumstance, unless specifically provided hereunder. All the gratifications shall be subject to such other T&C as may be applicable to specific gratification and shall have to be duly complied with by the winner(s).
  10. The gratification(s) to the winner(s) shall be given subject to compliance with all applicable statutory legislations, processes and formalities in connection with the gratification(s) and on production of all such documents/papers as may be required by IHO before accepting the delivery of the gratification. Any failure on the part of the winner(s) to comply with directions issued by IHO for claim of gratification shall entitle IHO to forfeit the gratification(s) or roll the gratification over to the next eligible winner(s), at their sole discretion.
  11. Any participant providing any incorrect information or concealing/withholding any information from IHO with intent to participate and/or be chosen as the winner(s) of the Contest will automatically be disqualified from participating in it and being chosen as the winner(s) of the different categories of gratification. Such act of providing incorrect information or concealing/withholding any information, including without limitation incorrect declaration of information relating to name, age, identity, address, mobile connection of Operator number, domicile etc, by the participant or dispute with the platform, shall entitle IHO to disqualify him/her without any further intimation.
  12. The participants shall indemnify and keep indemnified IHO and their officers, directors, employees, customers, affiliates and agents harmless from and against any and all claims, losses, suits, proceedings, action, liabilities, damages, expenses and costs (including attorney’s fees and court costs) which IHO may incur, pay or become responsible as facilitator as a result of breach or alleged breach of the representations or obligations of the Participants under the T&C hereunder, any failure by the participants to comply with applicable law and any third party claim in respect of misuse of any information of a third party. IHO shall have the right to defend themselves, pursuant to this Clause, at the cost of the participants. IHO or their respective affiliates shall not be responsible for any direct, indirect, incidental, special, punitive or consequential damages, including loss of profits, incurred by the winner(s) or any third party, in connection with the Contest. It is expressly provided that transaction shall be between Participant & IHO only.
  13. All incidental costs, taxes or levies related to the gratification(s), if any, shall be exclusively borne by the winner(s), including but not limited to TDS, gift tax (if any), Insurance and any other taxes applicable by the Central, State or Municipal government. The participant/s who have won the gratifications have to make their own  arrangements  for  travel,  accommodation  to  claim  the  gratification  (if applicable); IHO shall not be responsible for the same or any cost of travel and accommodation incurred by any of them.
    The participants and Winner(s) hereby irrevocably authorize IHO and its owners, affiliates, subsidiaries, associates to use the data gathered during and/or after the Contest in respect of the Participant (including but not limited to name and photograph) in any of its communications including marketing promotions and advertisements. By participating in the contest, participant/s confirms to waive the applicability of rules and regulations of the National Do Not Call Registry and agrees to receive updates and promotional messages / SMS / Email / Call for current and future contests from IHO.
  14. This Contest is subject to force majeure circumstances including without limitation, floods, natural disasters, war, act of terror, political unrests, technical snags, act of God, change of laws or any circumstance beyond the reasonable control of IHO (“Force Majeure Event”). IHO shall not be liable for any delay or adverse effect caused to this Contest there under as a result of a Force Majeure Event. IHO shall intimate the suspension of Contest caused as a result of such Force Majeure Event to the participants within reasonable time.
    This  Contest  is  subject  to  guidelines/  directions  issued  by  any  applicable competent authority (Government or otherwise) from time to time.
  15. IHO shall not be responsible for any claims arising out of technical failures before, during the Contest or after the completion including but not limited to any technical failures in the mobile connectivity, delay in sending or receiving the SMS for participating  in  the 
  16. Contest,  any  action  that  has  been  initiated,  actioned  or completed through his/her mobile phones, failure of servers or the failure to provide the correct score updates or any failures arising out of technical snags or resultant inability of the participant.
  17. IHO reserves the right to extend, cancel, discontinue, prematurely withdraw, change, alter or modify this Contest or any part thereof including the eligibility criteria, the T&C and gratification at their sole discretion at any time during its validity as may be required including in view of business exigencies and/or changes by a regulatory authority and/or statutory changes and/or any reasons beyond their control and the same shall be binding on the participant.
  18. Failure by IHO to enforce any of their rights at any stage does not constitute a waiver of those rights. Further, IHO may assign any of its rights within the Contest to any party without prior intimation to participants.
  19. IHO does not make any commitment, express or implied to respond to any feedback, suggestion and/or queries of the participants.
  20. IHO shall also not be liable for  any  defect  in  the  Prize  so  offered  to  the  Winner  under  this  Contest  (as applicable). The winner further understands that the goods provided as prize will carry  manufacturer’s  guarantee  and  in  case  of  any  deficiency  in  the  goods, participant will contact the manufacturer only (as applicable).
  21. The Prize is subject to availability and same can be replaced in form of the 70% equivalent amount of winning prize in form of Cash vide Cheque / Demand Draft only at sole discretion of IHO.
  22. The winners understand and agree that IHO, its owners and affiliates, shall not be liable for any loss or damage whatsoever that may be suffered, or for any personal loss or injury that may be suffered (including loss of life), to a Winner and/or any third party, directly or indirectly, by use or non-use of the Prize.
  23. Apart from the entitlement to the Prize, the winners or their legal heirs/ successors/ representative will have no other rights or claims against IHO, its owners and affiliates. Maximum aggregate liability of IHO shall not exceed value of the concerned prize in case of any dispute, in pursuance to the terms and conditions herein.
  24. The  winner(s)  understand  and  agree  that  acceptance  of  the  Prize  by  them, constitutes grant of permission to the facilitators to click photographs of the winner and use the winner’s names, photograph, preferences (likes and dislikes), voice and comments for advertising and promotional purposes in any media worldwide, only for the purposes of advertising and trade without any additional compensation whatsoever to the winners. The participant/winner hereby provides his/ her irrevocable  consent  for  sharing  /submission  of  his/her  personal  information  to IHO, and subsequent use by IHO of such information for lawful purposes as per its discretion.
  25. Post  winner(s)  declaration  and  completion  of  their  announcement  and  further process as the case may be if IHO finds that the declared winner(s) are wrong then IHO reserves the right to declare the correct winner(s) again and cancel the gratification of winner(s) declared earlier.
  26. Any dispute arising out of this offer and terms & conditions of this Contest shall first be attempted to be resolved amicably through negotiations. In the event, amicable settlement fails, the dispute shall be referred to Mediation. The venue of Mediation shall be at Delhi.
    These Terms and Conditions are subject to Indian law and the exclusive jurisdiction of the Courts in Delhi.


These Terms of Use were last updated on: May 23, 2017