At CareBharat Insurance, we operate with the highest ethical standards, ensuring compliance, professionalism, and customer trust in all our services. Our Code of Conduct sets clear expectations for employees, partners, and stakeholders, reinforcing a culture of integrity, accountability, and excellence.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Integrity & Transparency: All interactions with customers, partners, and regulators must be honest and transparent.
✔ Confidentiality & Data Protection: Customer data must be handled securely and in compliance with data privacy laws.
✔ Compliance with Laws & Regulations: Adherence to IRDAI guidelines, financial regulations, and legal mandates is mandatory.
✔ Customer-Centric Approach: Always prioritize customer needs, fair treatment, and unbiased advisory services.
✔ Fair Business Practices: No misleading advertisements, false promises, or unethical business tactics.
💡 Tip: Upholding high ethical standards ensures customer trust and long-term business success.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Act Professionally: Maintain courtesy, respect, and professionalism in all interactions.
✔ Avoid Conflicts of Interest: Disclose any personal or financial interests that may interfere with business decisions.
✔ Ensure Accuracy: Provide truthful, clear, and complete information to customers.
✔ Report Violations: Immediately report any unethical practices or policy breaches.
💡 Tip: Following ethical guidelines protects both employees and customers from potential legal risks.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Clear Policy Explanations: Customers must receive full disclosure of policy benefits, exclusions, and terms.
✔ No Pressure Sales: Sales agents must not engage in coercion, false urgency, or aggressive selling tactics.
✔ Claims Transparency: The claim process must be explained clearly, ensuring fairness in approvals and rejections.
✔ Grievance Handling: All customer complaints must be addressed promptly and professionally.
💡 Tip: Fair customer treatment leads to better retention and a strong reputation.
Every CareBharat Insurance team member must follow these fundamental principles:
✔ IRDAI Regulations: Compliance with Insurance Regulatory and Development Authority of India guidelines.
✔ Insurance Act, 1938: Governing all insurance practices in India.
✔ Consumer Protection Act, 2019: Ensuring consumer rights & fair trade.
✔ Prevention of Money Laundering Act (PMLA), 2002: Preventing fraud & illegal financial transactions.
💡 Tip: Failure to comply with laws may result in penalties, license suspension, or legal actions.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ No Misleading Ads: All promotional content must be truthful, factual, and compliant with IRDAI guidelines.
✔ Proper Representation of Policies: Customers must be given complete product information, including exclusions.
✔ Respect Customer Privacy: Marketing communication must be non-intrusive and respectful.
✔ No Unsolicited Spam Calls or Emails: Communication should only be sent with customer consent.
💡 Tip: Ethical advertising builds brand credibility and prevents legal disputes.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ No Kickbacks or Bribery: Employees must not accept gifts, commissions, or incentives for policy approvals.
✔ Anti-Money Laundering (AML) Compliance: All transactions must be screened and reported per financial regulations.
✔ Whistleblower Protection: Employees can report ethical violations anonymously without fear of retaliation.
💡 Tip: Strict financial integrity prevents regulatory fines and reputational damage.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Equal Opportunity Employment: No discrimination based on gender, religion, caste, or disability.
✔ Harassment-Free Workplace: Strict actions against bullying, discrimination, or workplace harassment.
✔ Workplace Confidentiality: Employees must not share confidential company or customer data.
✔ Health & Safety Compliance: All workplace locations must follow safety protocols & regulations.
💡 Tip: A respectful and inclusive workplace increases employee productivity and morale.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Secure Handling of Customer Data: Personal & financial data must be encrypted & stored securely.
✔ Limited Access Policy: Only authorized personnel can access sensitive information.
✔ Compliance with Cybersecurity Laws: We adhere to Data Protection Laws & IRDAI guidelines.
✔ No Unauthorized Sharing: Customer information must not be shared with unauthorized third parties.
💡 Tip: Always verify customer identity before sharing policy details.
📌Every CareBharat Insurance team member must follow these fundamental principles:
✔ Verbal & Written Warnings: For minor infractions.
✔ Suspension or Termination: For serious breaches of ethical conduct.
✔ Legal Action & Reporting to Regulators: In cases of fraud, corruption, or criminal offenses.
💡 Tip: Employees should report policy violations immediately to avoid disciplinary consequences.
📌Every CareBharat Insurance team member must follow these fundamental principles:
📞 Ethics Helpline: [CareBharat Ethics Hotline Number]
📧 Email: ethics@carebharat.com
🌐 Website: CareBharat Insurance Code of Conduct
💡 Tip: Reports can be made anonymously, and whistleblowers are protected from retaliation.
✔ CareBharat Insurance operates with integrity, fairness, and compliance with all regulations.
✔ Employees, partners, and stakeholders must adhere to ethical business practices.
✔ Customers are treated fairly, ensuring transparent policy communication & service excellence.
✔ Strict action is taken against fraud, corruption, and ethical misconduct.
✔ Data security, workplace respect, and compliance with laws are top priorities.
👉 For full details, refer to our official Code of Conduct document or contact our compliance team. ✅📜
At CareBharat Insurance,we uphold the highest standards of professionalism and ethics in all our operations.
Our Code of Conduct serves as a comprehensive guide, ensuring that our team consistently delivers exceptional service while adhering to regulatory requirements and ethical practices.
1. Integrity and Honesty:
o We commit to conducting all business activities with the utmost integrity, ensuring transparency and honesty in our interactions with clients, partners, and regulators.
2. Client Confidentiality:
o Protecting client information is paramount. We ensure that all personal and sensitive data is handled with strict confidentiality and in compliance with applicable data protection laws.
3. Professional Competence:
o Our team is dedicated to maintaining a high level of professional knowledge and expertise. Continuous training and development are encouraged to stay abreast of industry trends and regulatory changes.
4. Compliance with Laws and Regulations:
o We strictly adhere to all relevant laws, regulations, and guidelines set forth by regulatory bodies, ensuring that our practices are always in full compliance.
5. Fair and Ethical Marketing:
o All marketing and promotional activities are conducted fairly and ethically, providing accurate information without misrepresentation.
6. Conflict of Interest:
o We proactively identify and manage any potential conflicts of interest, ensuring that client interests are always prioritized.
7. Accountability:
o Every team member is accountable for their actions, ensuring that responsibilities are met with diligence and professionalism
8. Respect and Non-Discrimination:
o We foster a workplace culture of mutual respect, promoting diversity and prohibiting any form of discrimination or harassment.
9. Accurate Record-Keeping:
o Maintaining precise and truthful records of all transactions and interactions is essential, ensuring transparency and accountability.
10. Social Responsibility:
o We are committed to contributing positively to society, engaging in practices that promote environmental sustainability and community well-being.
For a detailed understanding of our Code of Conduct, we encourage you to review the full document available on our official website. Should you have any questions or require further clarification, please do not hesitate to contact our customer support team.
