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Indian Medical Association, Bengal StateIMA Bengal Protection
My Benefits

Terms of use

Last updated 11 September 2026

These terms govern your use of IMA Bengal Protection, a member protection initiative of IMA Bengal State. By using the platform you accept them.

What this platform is

IMA Bengal Protection helps IMA Bengal State members find and arrange professional protection. It is an information and facilitation service. It is not an insurer and it does not underwrite anything.

  • IMA Bengal State runs the initiative and holds the membership list.
  • "CoverYou" is a brand name of Alexa Insurance Broker Private Limited, an IRDAI-registered Direct Broker (General and Life), Registration No. 825. It arranges professional indemnity insurance for members.
  • CoverPrime provides a professional risk-management service. A CoverPrime membership is a service contract, not an insurance contract.
  • The insurance policy is underwritten by an IRDAI-regulated insurer.

IMA Bengal State has entered into a formal agreement with CoverYou (Alexa Insurance Broker Private Limited) for the arrangement of professional indemnity insurance for its verified members, and a separate arrangement with CoverPrime for risk-management plans. Both arrangements are governed by their own written agreements and are independent of your individual insurance or service contract. Nothing on this platform makes IMA Bengal State a party to your insurance contract. Your use of this platform is also governed by our Privacy Notice, which forms part of these terms.

Who can use it

The protection offered here is for verified IMA Bengal State members. We check the membership number and mobile you give us against the list the Association holds. If we cannot match it, the Association reviews it before you can proceed.

Quotes, proposals and when cover starts

  • A quote shown here is indicative. It is based on what you tell us and on the insurer's current rates.
  • Submitting a proposal is not the same as being insured. The insurer decides whether to accept it.
  • Cover begins only when the insurer confirms acceptance and your payment has been realised, from the date the policy document states. Not before.
  • We do not show any cover as active until payment is confirmed.

What you must tell us accurately

An indemnity proposal rests on what you disclose. You are responsible for the accuracy of your speciality, qualifications, registration, experience, the facilities at your establishment, and your claims and insurance history. An insurer may reduce or decline a claim, or void the policy, if a material fact was wrong or withheld. If something changes, tell us.

Payments and refunds

Payments are collected through a payment gateway on behalf of the insurer or the service provider. Refunds, cancellation and the free-look period follow the policy document and the insurer's own terms, not these terms. Refunds or cancellation of a CoverPrime service-contract fee are governed by the CoverPrime membership terms provided at the time of enrolment.

Complaints

For a problem with the platform, contact IMA Bengal State or the helpline numbers shown in the footer. For a complaint about an insurance policy, the insurer's grievance process and the IRDAI Bima Bharosa system apply. For a complaint about the broking service, the grievance process of CoverYou (Alexa Insurance Broker Private Limited, IRDAI Registration No. 825) applies. Insurers and brokers are required to acknowledge a complaint immediately and resolve it within 14 days. If you do not receive a resolution within this period, or are unsatisfied with it, you may escalate to the IRDAI Bima Bharosa portal (bimabharosa.irdai.gov.in) or the Insurance Ombudsman.

What we do not promise

We take care that the information here is correct, but we do not warrant that the platform will be uninterrupted or error-free. Nothing here is legal, tax or medical advice. Where a policy document and this platform differ, the policy document governs.

Limitation of liability

To the maximum extent permitted by law, IMA Bengal State, CoverYou and CoverPrime shall not be liable for any indirect, incidental or consequential loss arising from use of this platform. Nothing in this clause limits your rights under the insurance policy, applicable consumer-protection law, or any right that cannot lawfully be excluded.

Governing law

These terms are governed by the laws of India, and the courts at Kolkata, West Bengal shall have exclusive jurisdiction over any dispute arising out of or in connection with your use of this platform. Your insurance proposal, policy or the professional indemnity cover arranged through CoverYou is governed separately by the terms of the relevant proposal form and policy document issued by the insurer and CoverYou, which may specify a different governing law and jurisdiction. Similarly, any CoverPrime risk-management service you avail is governed by the CoverPrime service agreement provided to you at enrolment, which may specify its own jurisdiction.

Changes

We may revise these terms. The current version is always the one published here.