Firstly, with the membership of this health card you will be eligible for pre-negotiated discounts with a variety of service providers like Hospitals, Pharmacies, Labs and other healthcare service providers There won’t be any paper work or exclusions from pre-existing health conditions you just have to pay for the services you receive at a substantial discount, With this “HLC Health Card “Health card you can enjoy unlimited access to the services and service providers in our network as often as you wish to. We also encourage you to use them as often as necessary ,You can start using your “HLC Health card” as soon as you receive it.

You will receive a personalized “HLC Health card” Membership Kit along with your Health card at your mailing address. This kit includes Membership card and an Information Guide that describes the benefits and use of this card. , Only the card holder family can enjoy the benefits of this card.

If in case you feel that you haven’t received an appropriate discount for any service from the participating service provider, Contact us immediately so that we will make sure that you are reimbursed for the very same. , You can call at our call center. A directory of nearby service providers is provided to you in your Information Guide.

Important ! Even if you find a service provider by using Option 1, we recommend that you must call the appropriate member service number to verify the service provider’s current participation in the plan.

We will invite that service provider to join our network and discuss participation guidelines. If the service provider agrees on it, we’ll send him our application and credentialing information. If the service provider fits in our criteria, then it takes almost four weeks to complete application and credentialing process.

Your “HLC Health card” is useful. Inform us immediately in case you lost your card.


“HLC” Health card variety of health care services and solutions through different service providers to the customers. Our “HLC Health Card” offers one of the most extensive consumer-driven healthcare saving programs for common people, corporate and society. HLC Health Card price is depending upon the plan.

HLC health card offers a variety of Healthcare solutions including:

Personalized Health Care Solutions Pharmaceutical solution Wellness products and service Clinical Diagnostic Management systems. Health care plans. . Health care Networks.


“HLC Health card” is a health discount card to avail UPTO 40% Discount for hospital Clinic health diagnostics pharmacy’s and other healthcare service Praviders including online medical report data storage service assistance.

You can start using yor HLC Health Card as soon as you receive it. Only the card Holder family can enjoy the benefit of this card.

This is not an insurance plan. Firstly with the membership of this health card you will Be eligible for pre-negotiated discount with a variety of service providers like hospital, Pharmacies. Lab health and other healthcare service providers.

There won’t be any paper work or exclusions form pre-existing health conditions you Just have pay for the services you receive at substantial discount.

You will receive a personalized HLC Health card membership kit along with your health Card at your mailing address. This kit includes membership card and information guide that describes the benefits and use of this card.

HLC Health Card will not give you discounts on your co-payment because it is not an Insurance plan. This card only discounts the retail price of the presriotion. So it depends Whether your current insurance plan covers the particular prescription drug you need or Not. If not. Then certainly you can present your HLC Health Card and can get discount to Which you are entitle to.

We will invite service providers to join our network and discuss participation guidelines. If the service provider fits in our criterial. Then we’ll send him our application and cre- Dentialing information. Wich takes almost four weeks to complete application and cre- Dentialing process.

Terms and Conditions


The terms and conditions listed below govern the way you use this website or application or any other relevant content that you use through this website including subdomains and applications. This website is the property of HLC. Herein after, the terms we and us refer to HLC exclusively. We have the full rights to change the terms and conditions at any time without providing any notice to you. The changes to the terms and conditions can be viewed at the website at any time. By simply using the website, it indicates you have agreed and accepted the terms and conditions that are applicable concerning the use of the website. If you are not agreeable to the mentioned terms and conditions, you can stop using the website by accessing it or otherwise.


1. Medical advice disclaimer All the content present in the website such as text, audio, video, images, illustrations, graphics, visuals and other copy text are for informational purpose only. It doesn’t replace professional medical consultation, diagnosis, treatment or other types of recommendations. If you have medical conditions, you should always get the advice from qualified medical and health care professionals. All your questions can be appropriately answered with concern only by qualified medical professionals. HLC or the website content or associated service providers don’t endorse or recommend any medical tests, physicians, medical products or other products, procedures, opinions or any other information. Relying on the information presented by HLC, website, content providers or visitors to the website should be done at your own risk. HLC doesn’t hold any responsibility for the effects caused after using the information provided.


2. Proprietary Rights HLC is the sole proprietor with all the exclusive rights, title and interest related to the website and all of its contents such as audio, video, visuals, photographs, graphic, text, copy, software, titles, flash files and all types of media. HLC has all the copyrights, trademark rights, patent rights, database rights, moral rights, sui generis rights, and all types of intellectual property rights for the website, all types of content, code, data, materials and application. Using the website doesn’t grant you any type of ownership on content, data, code, materials or any other type of content on the website.

3. Limited License You can view the content on the website and access the content using your personal computer, laptop, tablet, smartphone or any other device unless otherwise indicated in the terms and conditions. You can make single copies or print the content of the website only for internal and personal use. The limited license provides you freedom to use the website content and services only for personal and non-commercial purposes.


4. Prohibited Use HLC strictly prohibits the use of content, data, code and materials in the website for any commercial or promotional distribution, publishing or exploitation of the website unless you have obtained prior written permission from concerned authorized personnel from HLC or otherwise from others holding applicable rights. You are only allowed to use the content in the way that is explicitly allowed in the terms and conditions. You cannot download, display, post, publish, copy, distribute, reproduce, transmit, modify, broadcast, transfer, sell, create derivative content, or exploit any code, content, data or materials in any way other than the ways expressly allowed in the terms and conditions. By using the website, you are agreeing to the fact that you are not allowed to change, alter, delete, edit, or remove any content with the purpose of changing the meaning or appearance of the content, code, data or other materials. This prohibited use also extends to all types of content including trademarks, logos, trade names, service marks or any other type of proprietary content or proprietary rights notices. You also agree that you have no ownership rights after using and downloading any copyrighted material available on the website or application. If you intentionally or otherwise us the content of the website including content, data, code or materials in ways except stated obviously in the terms and conditions, you violate copyright and other laws in India and other countries. For any unauthorized use of the content on the website, you are subjected to liability according to applicable Indian laws as well as laws of other countries.


5. Trademarks The Trademarks including trademarks, logos, service marks and trade names displayed on the website or on the content of the website are registered. The registered and unregistered trademarks of HLC and others present on the website or content cannot be used with services, products or other content that are not related to the associated or sponsored right holders. You cannot use the trademarks in any way that can cause confusion among users. You are not allowed to use the trademarks in any manner that discredits the right holders or portrays different meaning other than intended. All the trademarks appearing on the website, services and applications that are not owned by HLC are properties of the respective owners. The content present on the website explicitly discourages use of trademark displayed on the website without obtaining necessary written permission from HLC or other third parties with the ownership of trademarks. Any misuse or mishandling of trademarks owned by HLC or other parties present on the website or on any website services is strictly prohibited.


6. User information While using our website and services, we may require some personalized information, collectively called as User Information. HLC collects information and use the information to enhance customer experience. The user information used by HLC website and services is in accordance with the privacy policy of the website. By using the website and providing user information, you got to agree and acknowledge that you are responsible for the accuracy of the information.


7. Submitted materials Unless you receive specific request from the HLC website or services, we do not want any confidential, proprietary, or secret information or material through website, email or other means. Any information you share with us such as creative works, ideas, demos, suggestions, methods, concepts, systems, plans, designs, techniques, plans or other materials will be deemed not confidential or secret. The above said information submitted or sent to us will be used in accordance with the privacy policy of the website. This policy also applies to other types of content sharing such as submission or post to chat rooms, survey responses, message boards, comments on blogs or messages sent through email. When you submit information or materials to us, you agree that (i) You own the submitted materials and no other parties have any rights over the material and the moral rights for usage of submitted materials are waived (ii) You provide us and our affiliates to use your submitted materials in any form, technology, media, upcoming technologies and we have royalty free, worldwide, unrestricted, perpetual, non-exclusive, irrevocable, fully transferable, sub licensable and assignable rights along with license to copy, use, edit, modify, reproduce, adapt, publish, create derivative works, translate, perform, display , distribute and incorporate in any other work as required by HLC. We are not liable to maintain and store the submitted material and we have full rights to delete or destroy submitted materials fully or partially according to our requirements at any time without needing to notify you.


8. Prohibited user conduct You agree and warrant that you don’t engage in prohibited user conduct while using HLC website and various services. The prohibited user conduct includes, but not limited to (a) impersonating other person or entity or misrepresenting your affiliation with any entity or person (b) inserting your own advertising or branding or using third party advertising, branding or promotional content in the content, materials or services (c) using, redistributing, exploiting or republishing the content or service for promotional or commercial purposes (d) attempting to get unauthorized access to other computing systems using the website. We strictly prohibit users from (i) involving in spidering, database scraping, screen scraping, harvesting email address, wireless addresses or other personal information or contact information (ii) obtaining list of users or other information automatically from the website or using the services of the website including without any restriction any information present on any server or database associated with the website or services (iii) using HLC website or services to damage, interrupt, overburden, disable or impair the website or services (iv) sending unsolicited messages or flooding the servers with requests (v) using the website or services by violating intellectual property or proprietary or legal rights of HLC or concerted third parties (vi) using the website, features or services, violating any applicable law in India and other countries. We also prohibit the users from attempting, encouraging or supporting any attempt to circumvent, decrypt, reverse engineer, alter, interfere or use the website or services or content to make any unauthorized access. By using the website, you agree that you will not damage, overburden, disable or impair the website or services. You also agree that you don’t interfere with other party’s use and prevent enjoyment of the website and services. Users are strictly prohibited from using any method to obtain information or content that is not publicly available through the website and services offered.


9. Public forums From time to time and at the discretion of HLC, messaging services, chat services, bulletin boards, message boards, forums, blogs and other such services may be made available on the website. The public forum including the posts and comments are not monitored to ensure completeness, accuracy, timeliness or thoroughness and the information in the public forums are not medical advice or recommendation from the website. The information shared in public forums should not be relied upon and you should always consult with one or more qualified health professionals to get remedies for your problems. Along with the rules and regulations that we insist on using a particular service, you agree that you will not upload, transmit, post, distribute or publish any data to the website or services that (i) prevent, restrict or control any other user from using the website and services (ii) come under unlawful, fraudulent, threatening, harassing, abusive, defamatory, libelous, offensive, obscene, vulgar, profane, pornographic, indecent or sexually explicit content (iii) lead to, encourage or conduct a criminal offense or cause civil liability or violate any local, state level, national or international law (iv) plagiaries, violate, or infringe the various rights of other third parties including but not limited to copyright, trade secret, trademark, contract, confidentiality, patent, privacy rights, or proprietary right (v) contain spyware, malware, virus or any other harmful component, (vi) contain advertising, embedded links, chain letters, or pyramid schemes (vii) contain misleading or false information, endorsement or statements of fact. By using our public forums, you also willfully agree that you don’t impersonate any other entity or person whether it may be fictitious or actual including any person or entity from HLC. You also agree that you won't offer to sell or by any product or service through your submissions to the forums. You are fully liable for the content you post and any other consequences that may arise due to your activities in the forums.


10. Right to monitor and editorial control HLC has all the rights without any obligation to monitor and review all the materials, data, content posted to the website or services or features by other users. HLC is not liable for any materials posted by the users of the website or services. HLC has all the rights to disclose any user information as it may be required by law, government request, or regulation. HLC also has all the rights to edit, remove or refuse to post any information or materials in whole or in part if the content or material violates terms of use, policies or applicable law. HLC is at sole discretion to determine whether the content is objectionable. HLC also has all the rights to limit certain features of the forums or restrict access to forums in whole or in part without any notice or penalty. HLC is at sole discretion to determine whether you breach the guidelines of the forums as stated above, in our terms and conditions or applicable law. HLC is not liable to issue any prior notice for the right to control the content posted in forums.


11. Private or sensitive information on public forums The comments and posts submitted to the forum may be recorded and stored in internal servers of HLC or anywhere else on the internet. The information in the public forums are accessible without any restriction for a long time even outside of HLC website, services and forums. By posting in the forums, you agree that you have no control over the access of information in the forums. You are responsible for all the information you submit to the forums and thus, you must be selective and careful while disclosing any personal information about yourself or others. We strongly recommend that you don’t reveal important, proprietary, sensitive or confidential information in your comments or posts in our public forums.


12. Linking to HLC website You agree that when you link from any other website to HLC website, the HLC website will open in a new browser window with full version HTML of the HLC website including all the formatting. You are strictly prohibited from using any in-line linking with any image hosted on the HLC website or services. By using this website, you agree that you will not use or download images hosted on the website for any other purpose; it’s not permissible to post images from HLC website to another website. When you include link to HLC website, you agree that you will not use the links in any way that can frame, surround or obfuscate the pages and content of HLC website. We have all the rights under law to insist you to discontinue linking to HLC website or completely prevent your linking to HLC website from any website after providing written notice.


13. Indemnification By using the website, you are agreeing to indemnify, defend and release HLC and associated affiliates, officers, directors, agents and employees from all the claims, liabilities, costs and expenses including the cost of attorney. This is in such a scenario, when you place or transmit message, content, software, information or other materials of HLC website or breach of violation of the law or terms and conditions due to your usage. HLC has all the rights to exercise defense and control of all matters indemnified by you and you also agree to cooperate with the’ HLC defense.


14. Orders for products and services Our HLC website visitors and registrants may get some product offers from us. You agree that you are above 18 years of age when you place an order with us. You’ll not argue with regards to paying the full price of the products using the credit card, debit card or other payment methods made available by HLC website and services. You also agree to pay all the necessary taxes to complete your purchase. Aside from the above mentioned terms and conditions, certain products may have additional terms and conditions which will be made available to you at the time or purchase or download. By purchasing the products from HLC website, you are agreeing to all the terms and conditions given on the website.


15. Third party websites HLC website has various incoming and outgoing links with third party websites. By using the website, you agree and acknowledge that HLC can't be held responsible for the content, information, products, advertising, services, code or other materials which are available through linked third party websites even though the websites may be run by the affiliates of HLC. The presence of links in our website should not be considered as sponsorship or endorsement of the third party websites. The linking doesn’t mean that the content, information, products, services, code, advertising or other materials is associated with HLC website. HLC is not liable for any links (1) from other website to HLC website (2) from HLC website to other websites. HLC doesn’t provide any guarantee regarding the standards of any information present in the linked websites. HLC doesn’t warrant or represent the truthfulness and compliance of the information in the third party websites. HLC is not responsible to ensure country or state law, compliance with copyright or other laws of intellectual property for the content present in the linked websites. By using the third party website links, you agree that you rely on the content of the third party websites at your own risk and you are responsible for all the consequences of using the third party websites.


16. Copyright agent We respect the various intellectual property rights of the work of others and we expect the users of the HLC website, features and services also respect the intellectual property rights. If you believe that you find that your work is copied constituting copyright infringement and used in HLC website, please contact the HLC agent with your name, address, telephone number and email address along with the following details:


Description of the work that you believe is copied leading to copyright infringement. Description of the location of the original material. A statement of belief from you that the dispute is not authorized by any agent, law or copyright owner.


Physical or electronic signature of the person who is authorized to take action against the copyright infringement.


17. Disclaimer of warranties The website including all the services, content, functions and materials without limitation is provided ‘as is’ and ‘as available’ without any kind of warranty either implied or expressed. This website is provided without any warranty for information, data processing services, data, uptime, uninterrupted access, any availability warranty, displayability, playability, precision, correctness, accuracy, completeness, thoroughness. This website is presented without any warranties of title, merchantability, non-infringement, or fitness for any specific purpose. We disclaim any and all of such warranties, implied or expressly stated. We are not responsible for any warranty ensuring that the website or features, services, functions, materials or content available on the website is timely, uninterrupted, secure, without any mistakes or defects will be corrected. We don’t provide any warranty that the website or services will meet all the user requirements. The advice, information or results you get whether oral or written from us through the HLC website will not create any warranty unless it is expressly stated otherwise. HLC is not responsible or liable for any damages caused by viruses or other software that may affect your equipment or device while using the website, downloading data, materials, text, video, audio, or images from the website. If you are not satisfied or happy with the website or services, we urge you to stop using the website immediately.

We take measures to ensure correctness of information posted on the website. We also try to update the website frequently. We have all the rights to modify, change, edit or remove any information on the website without prior notice or warning. HLC can't be held responsible for the correctness, reliability, or accuracy of any information, advice, opinion or statement available on the website. Also, HLC doesn’t endorse or assume responsibility for defamatory, offensive, indecent, obscene, infringing or unlawful posts made by anyone using the website other than the authorized HLC employees or spokesperson who act in their official capabilities. This also extends to the acts of other users of the website without any limitation. By using the website, you agree that you are completely responsible for evaluating accuracy, usefulness, and completeness of any opinion, information, advice or any other type of content available on the website. If you want specific information, advice, opinion or other content related to health, financial, or lifestyle, we urge you to seek the help and suggestion of professionals in the industry.

Befamore processing a sale or purchase of any investment or security, we strongly advise you to consult with a financial professional or broker to ensure that pricing information and other content are correct. We are not liable for your investment decisions or results of investment decisions taken based on the information or content provided in the website. No content on the website can be assumed to be investment advice. HLC is not a registered investment advisor or broker or dealer of any kin. We don’t give specific investment advice and we don’t endorse or recommend any product.

Without any restriction or limitation, HLC and the suppliers, affiliates, and licensors are not responsible for any warranty of products or services that can be ordered or purchased from the website. We disclaim any support for warranty. By using the website, you agree that HLC will be waived from all warranties and representations present in the service or product literature, frequently asked questions (FAQ) documents or any other content present on the website or information obtained while corresponding with HLC or the agents. All products and services made available through the website are only available ‘as is’ unless otherwise the sales agreement or license explicitly state the exceptions when you enter into a contract with HLC or suppliers or licensors.

18. Limitation of liability Under no circumstances including various factors such a negligence, omission and other reasons, HLC, officers, directors, agents, employees, service providers or content of the website (all of which will be collectively termed as ('Protected Entities') can be held liable for any special, indirect, direct, punitive, exemplary, consequential or incidental damages that may be caused either directly or indirectly from the use of the website or inability to use the website or materials, content, data and functions associated with the HLC website and services. HLC is not responsible for lost sales, lost business, or any other damages and loss even though the use of protected entity may be provided with warning for any kind of damage. In some areas of jurisdictions, the limitation and exclusion of liability for consequential and incidental damagers are not allowed. In such cases, the above said limitations may not be applicable for some users. Under no circumstances the protected entity can be held liable for any loss or damage associated with connection with any website content, posted content, transmitted, exchanged or received content executed by any other person or on behalf of any person or through the HLC website. Under no circumstances, the total aggregated liability to you of all the protected entities for all losses, damages and cause of action (whether stated in contract or otherwise, including negligence or other reasons) that happened using the terms and conditions or use of the website can exceed the total amount if applicable paid to HLC by you for using the website, services, features or purchase of products using the website.


19. Photosensitive seizers Seizures can happen to a very small number of people when they are exposed to certain visual contents such as patterns, flashing lights or any other visual images that can be seen in video games or other online or electronic content on any website. Even those with no known medical history of seizures or epilepsy can have some kind of undiagnosed condition that can result in photosensitive epileptic seizures when exposed to certain visual images or electronic content or video games. The symptoms of these seizures include confusion, disorientation, lightheadedness, momentary loss of consciousness or awareness, twitching of eyes or face, changing vision, shaking of arms or legs, body jerking, etc. HLC is not responsible if the website, content or other materials triggers photosensitive seizures even if you have not been diagnosed for it before. If you experience any of the above mentioned symptoms or any other unknown symptoms while using the website or if you or anyone in your family has a history of epilepsy or seizures, you must stop using the website immediately and get professional help from a doctor.

20. Applicable laws Our website is controlled, operated and maintained from our various offices in India. The website, content, materials and data may not be appropriate or available in some locations. When you access the website, you agree that you access it at your own will and acknowledge that you will be held responsible for complying with local laws. All the parties of HLC associated with these terms and conditions will be waived of their respective rights to any trial by any jury.

21. Termination HLC reserves all the rights to change, suspend, terminate, end, or discontinue any part of the website or services at any time without any notification. HLC also has all the rights to suspend, restrict or terminate your access to website, features or services if any party belonging to the website believes that you have breached our terms and conditions or applicable associated laws or for any other reason without any liability or notice. HLC has a termination policy that allows termination in suitable circumstances of the usage of the website privileges by users who are repeatedly known to infringe intellectual property rights.

22. Changes to terms of use HLC has all the rights to modify, change, add or delete any of the terms and conditions as whole or in part at its discretion at any time. The changes in terms and conditions will become effective as and when it is posted on the website. When you continue to use the website after making changes to the terms and conditions, you automatically agree that you accept and agree the new changes to the terms and conditions.

23. Miscellaneous All the above mentioned terms and conditions and the relationship between the website users and HLC will be governed by the laws of India without any regard to any kind of conflict of provisions of the law. By using the website, you agree that any action that may arise due to the terms and conditions can be heard in the suitable court in the state of Karnataka, India. You also agree that you will submit to the exclusive and personal jurisdiction of the various courts in Mysore, Karnataka, India. Even though we fail to implement, enforce or exercise any provision or right in the terms and conditions, it doesn’t waive you of the provision or right. If any particular provision of the terms and conditions is considered to be invalid by a court of suitable competent jurisdiction, the parties agree that the court will cater to the needs of the parties as reflected and mentioned in the provision. At the same time, all the other provisions and rights of the terms and conditions will continue to be enforced with full force.