Terms and Conditions

Last updated: 24/09/2026

Who Operates the Site and Acceptance of the Terms

mediavoxra operates this website as a provider of health insurance services based in Singapore. By accessing or using this site you agree to be bound by these Terms and Conditions. If you do not agree you must not use the site. These terms form a binding contract under Singapore law between you and mediavoxra.

Eligibility and Permitted Use

You must be at least 18 years old and legally capable of entering into contracts under Singapore law to use this site. You may use the site only for lawful purposes related to obtaining information about health insurance products or submitting enquiries through the contact form. Commercial use without prior written consent is prohibited.

Prohibited Conduct

You must not upload or transmit any material that is defamatory, obscene, infringing or harmful. You must not attempt to gain unauthorised access to the site, interfere with its operation or use it to distribute malware. Violations may result in immediate termination of access and reporting to relevant Singapore authorities.

Accounts, Submissions or User Content

The site does not require user accounts for basic browsing. When you submit information through the contact form or any blog comment feature you grant mediavoxra a non-exclusive licence to use that content for responding to your enquiry or improving services. You remain responsible for the accuracy of any information you provide.

Ownership of Site Content, Trademarks and Permitted Limited Use

All content on the site including text, graphics and logos is owned by mediavoxra or its licensors. You may view and print content for personal non-commercial use only. Any other reproduction or distribution requires prior written permission. Trademarks must not be used without authorisation.

Third-Party Services and Links

The site may contain references to third-party insurance providers or services. These are provided for information only and do not constitute endorsement or guarantee of quality. mediavoxra is not responsible for the content or practices of any third-party sites.

Availability, Changes, Suspension and Termination

mediavoxra strives to maintain continuous availability but does not guarantee uninterrupted access. The site may be suspended for maintenance or due to circumstances beyond its control. mediavoxra may terminate or restrict access at any time for breach of these terms.

Disclaimers Subject to Mandatory Consumer Law

Information on the site is provided for general guidance only and does not constitute personalised insurance advice. Health insurance products are subject to underwriting and policy terms. Nothing in these terms excludes liability for death, personal injury caused by negligence or any other liability that cannot be excluded under Singapore law including the Unfair Contract Terms Act.

Limitation of Liability

Subject to mandatory rights, mediavoxra total liability arising from use of the site is limited to the amount paid by you for any insurance product in the preceding twelve months. mediavoxra is not liable for indirect or consequential losses including loss of data or profits.

Indemnity

You agree to indemnify mediavoxra against any claims, losses or expenses arising from your breach of these terms or misuse of the site, except to the extent caused by mediavoxra negligence.

Governing Law, Courts and Consumer Dispute Rights

These terms are governed by the laws of Singapore. Any disputes shall be resolved in the courts of Singapore. You may also have rights under the Consumer Protection (Fair Trading) Act to seek redress through the Small Claims Tribunal or other statutory mechanisms where applicable.

Severability, Waiver, Changes, Contact Route and Last-Updated Date

If any provision is found invalid the remaining terms continue in full force. Failure to enforce any right does not constitute a waiver. mediavoxra may update these terms from time to time with the current version posted on the site. For questions contact [email protected], 1800 248 8000 or 1 Finlayson Green, Singapore 049246. This document was last updated on 24/09/2026.