BCare Lite Terms & Conditions

BCare Lite is a comprehensive healthcare service offered by MILVIK Mobile Pakistan (Private) Limited ("BIMA", "MILVIK", "we", "our", or "us"). The Service provides Subscribers with access to 24/7 telemedicine consultations, specialist consultations and referrals, diagnostic support, medicine support, and other healthcare services through BIMA's approved healthcare network.

All healthcare services under BCare Lite & BIMA Family Telemedicine services begin with a consultation with a BIMA Doctor, who will assess the Subscriber's condition and determine the appropriate clinical pathway and eligible benefits.

The following benefits are available during an active subscription, subject to the applicable annual and quarterly limits:

Note: Quarterly limits cannot be carried forward to subsequent quarters. Annual limits apply across the active subscription year.

BCare Lite operates under a managed healthcare model. Every healthcare event must originate with a consultation with a BIMA Doctor to ensure high clinical quality and optimal care management.

The following services, procedures, and items are strictly excluded from benefit eligibility under BCare Lite:

Eligibility Criteria

• The Subscription is available to eligible customers aged 18 years and above.
• Subscription benefits are available only while the Subscription remains active and applicable subscription charges are successfully collected.
• The Subscription is strictly non-transferable and may only be used by the registered Subscriber.

Service Subscription Period

• The Service remains active for as long as the subscription is successfully renewed.
• Benefits automatically become unavailable if the subscription expires or cannot be successfully renewed.
• BIMA reserves the right to suspend or terminate any subscription in cases of fraud, misuse, misrepresentation, or violation of these Terms.

An affordable and comprehensive Family Telemedicine service designed for your family's overall well-being.

• 24/7 Unlimited Teleconsultations: Qualified doctors available round-the-clock via dedicated helpline 042 111 11 9878.
• Specialist Doctor Access: Appointment-based consultations with Expert Nutritionists, Gynecologists, Pediatricians, and Mental Health Experts.
• Health Screening: Comprehensive health reviews including medical history, lifestyle analysis, risk assessments, and personalized doctor recommendations.
• Regular Health Tips: Tailored guidance sent to your mobile device for daily healthy living.
• Doorstep Discounted Medicines: Delivery of medicines with up to 10% discount.
• Doorstep Lab Sampling: Home sample collection with discounted diagnostic tests (up to 40% discount).
• Personalized Wellness: Custom diet & workout plans and one-on-one coaching from mental health experts.
• Family Health Access: Shared health management for your family members.

General Agreement

This agreement is between you and Milvik Mobile Pakistan (Pvt.) Limited (company number 90585). By accessing or using BCare Lite, you agree to these Terms and Conditions. We may update these terms periodically, and continued use constitutes acceptance of updated terms.

Services Provided

MILVIK facilitates real-time medical consultations with licensed physicians ("BIMA Doctors") via telephone, video, SMS, or apps. MILVIK facilitates access to Providers (hospitals, labs, pharmacies) but does not interfere with the independent medical practice or professional judgment of BIMA Doctors.

Primary Care Physician Relationship

Consultations with BIMA Doctors are not intended to replace your existing relationship with a primary care physician or serve as a permanent medical access point. Always seek follow-up or emergency care as advised.

Medication Policy

• Subject to applicable law, BIMA Doctors may recommend appropriate medication. MILVIK does not guarantee medicine availability, safety, efficacy, or quality from third-party pharmacies.
• Recommended medication is solely for your personal use (or for a child under 18 supervised by a parent/guardian).
• You agree to read product labels carefully prior to administration.

Privacy & Intellectual Property

• Communications: You consent to receiving SMS, email, and app notifications regarding your healthcare.
• Records & Quality: Medical records are retained in compliance with law. Calls may be recorded for quality assurance.
• IP Protection: MILVIK copyrights, trademarks, and trade secrets may not be copied, distributed, or used commercially.

Fair Usage & Benefit Changes

BIMA reserves the right to audit unusual or excessive service usage and suspend or terminate accounts in cases of commercial exploitation, fraud, or abuse. BIMA may modify provider networks, support limits, or terms with prior notice via SMS, email, or app.

Tele-health involves healthcare delivery via interactive audio/video technology where patient and doctor are in different locations. While tele-health offers convenience and accessibility, subscribers acknowledge potential inherent limitations:

• Information Quality: Poor call audio or low image resolution may occasionally hinder complete clinical evaluation.
• Technical Delays: Network or electronic system failures outside BIMA's control may disrupt service availability.
• Medical History Gaps: Incomplete disclosures or unavailable past medical records may increase risk of drug interactions or diagnostic limitations.
• Security: While robust encryption protocols are enforced, no electronic transmission over public networks can guarantee absolute immunity from security breaches.
• Doctor Discretion: BIMA Doctors reserve the right to determine that tele-health is unsuitable for specific conditions and direct patients to physical facilities.

We strive to maintain the highest standards of customer satisfaction. If you have feedback or wish to lodge a complaint, please reach out to us promptly:

Liability & Governing Law

MILVIK is responsible for foreseeable direct losses caused by a breach of these terms, but is not liable for indirect, incidental, special, or consequential damages.

These terms are governed exclusively by the laws of the Islamic Republic of Pakistan, and courts in Pakistan retain sole jurisdiction over any claims.

The following rules apply to all promotional campaigns, contests, and lucky draws administered by Milvik Mobile Pakistan Private Limited:

1. 1. Campaign Organizer

   Campaigns are organized and administered by Milvik Mobile Pakistan Private Limited.

2. 2. Campaign Period

   Each campaign runs for the duration specified in its official announcement. BIMA reserves the right to extend, modify, suspend, or terminate campaigns at its discretion.

3. 3. Participant Eligibility

   • Must be a resident of Pakistan aged 18 years or above.
   • Must hold an active subscription to the applicable BIMA product.
   • Must have successfully completed subscription payment during the campaign period.
   • Must maintain a valid, active JazzCash Mobile Wallet registered in their own name where cash prizes are disbursed via JazzCash.

4. 4. Subscription & Charging

   Subscription charges follow the product price plan. Only subscribers with successful recurring payments during the campaign window qualify for prize eligibility.

5. 5. Winner Selection

   Winners are selected via a fair, transparent selection mechanism determined by BIMA. BIMA's decision regarding winner selection is final and binding.

6. 6. Prize Conditions

   Prizes may include cash rewards credited to JazzCash Mobile Wallets, gift vouchers, or announced rewards. Winners must possess an active JazzCash account in their name.

7. 7. Winner Notification

   BIMA will attempt to contact winners up to three (3) times via registered mobile numbers. If unreachable after 3 attempts, the winner may be disqualified and an alternate winner selected.

8. 8. Verification & Disqualification

   BIMA reserves the right to verify participant identity and subscription status. Providing false information, manipulating entries, or violating terms will result in immediate disqualification.

9. 9. General & Governing Law

   Participation constitutes full acceptance of these Terms. Governed by the laws of Pakistan. Invalidity of any single provision shall not affect the remaining clauses.