Insurance Disclaimer

General information

Information on this website is intended to improve understanding of insurance and does not constitute a binding offer, policy, guarantee of coverage, or guarantee of claim payment. Product features and examples are summaries; the insurer's current approved product documents and issued policy govern coverage.

Quotations and underwriting

Premiums and terms are provided by insurers and may depend on underwriting information, inspection, medical or financial evidence, KYC, claims history, risk controls, taxes, and insurer acceptance. A quotation does not create coverage. Coverage begins only in accordance with the insurer's written confirmation and policy documents.

Comparisons and recommendations

Comparisons are prepared from information available to Zenisk, including client requirements and insurer responses. Similar benefits may differ in definitions, limits, waiting periods, sub-limits, exclusions, and claim conditions. Clients should review the complete product and policy documents before selection.

Claims

Zenisk may assist with claim notification, documentation, and coordination. Claim assessment and settlement remain subject to the insurer's decision under the policy terms and applicable law. Claims support does not guarantee admission or payment of a claim.

No rebate or improper inducement

Zenisk does not offer rebates or inducements prohibited under applicable insurance law. Premium should be paid only through authorised channels against appropriate acknowledgement.

Financial, tax, medical, and legal matters

General insurance information is not a substitute for independent financial, tax, medical, engineering, or legal advice. Tax treatment and regulatory requirements may change and depend on individual circumstances.

Fraud awareness

Zenisk will never ask for your password, OTP, card PIN, or internet-banking password. Verify unexpected payment or document requests using the contact details published on this website.