TERMS AND CONDITIONS
|
|
- Harry Burns
- 5 years ago
- Views:
Transcription
1 TERMS AND CONDITIONS More4U are value-added services that You have access to in addition to Your insurance policy benefits. It does not represent a contract between You and Old Mutual. More4U is brought to You by independent service providers and may be withdrawn, changed or cancelled at any time. You can access More4U if You have an Old Mutual Group Schemes Policy or are a Principal Member or Dependant of a Principal Member of a Burial Society or Group Funeral Solutions Scheme underwritten by Old Mutual. Funeral Support is only available to Life and Funeral Plan policyholders. Growplan or Reversionary Bonus policies do not qualify for More4U. Old Mutual Swaziland ( and Old Mutual Namibia ( policyholders must contact their local branch for information on the value added services that apply to them. You can access these value adds by dialling the More4U helpline on Definitions: You means the Policyholder or the Principal Member of a group policy. Terms and Conditions Page 1
2 EMERGENCY MEDICAL SUPPORT You, your spouse/partner, dependent children and lives covered under the policy can access Emergency Medical Support. A medical emergency means any injury or illness that threatens human life and needs immediate medical attention in order to try and save a life. You will have access to the More4U Emergency Medical Support helpline 24 hours a day, 365 days a year. A More4U operator will be required to verify your personal information. Only the initial emergency medical response will be at no cost to you, any additional medical assistance will for your own account. Emergency Medical Support is subject to the terms and conditions of its independent service provider. EMERGENCY MEDICAL EVACUATION Emergency Medical Support offers you urgent assistance should you find yourself in a medical emergency. When you contact the More4U helpline, the operator will find out the facts of your medical emergency and offer urgent assistance. A qualified medical operator will offer the following: Emergency pre-arrival instructions A professional medical operator will give information or instructions to the person calling to enable them to help the affected person until a medical team arrives at the scene. Emergency Medical Team Depending on the circumstances, an emergency medical team will be sent to the scene by road or by air, whichever is most appropriate. Advanced Life Saving Resuscitation Once the medical team arrives on the scene, the emergency medical team will perform the necessary advanced lifesaving resuscitation and will stabilise the affected person. Transportation of affected person If it is necessary the affected person will be transported to the closest medical facility that can offer medical assistance. Terms and Conditions Page 2
3 TRANSPORTATION TO A MEDICAL FACILITY If the emergency is life threatening, or if the emergency condition requires it, the affected person will be transported by road or air, whichever is most appropriate, to the closest hospital or medical facility that can help with that particular emergency. If the affected person needs specialised care, and the medical facility they were transported to cannot help, then the affected person will be transported by road or air to a hospital or medical facility that can provide the specialised medical assistance. Terms and Conditions Page 3
4 TRAUMA ASSAULT AND HIV SUPPORT You, your spouse/partner, dependent children and lives covered under the policy can access Trauma Assault and HIV Support. A Traumatic Event means exposure to or experience of the following: Disasters (Natural & Unnatural) Death Vehicle accidents Assaults: physical, sexual or psychological, or Being a witness to an event that caused someone harm. You will have access to the More4U Trauma Assault And HIV Support helpline 24 hours a day, 365 days a year. A More4U operator will be required verify your personal information. Trauma, Assault and HIV support is subject to the terms and conditions of its independent service provider. TRAUMA & ASSAULT ASSISTANCE Trauma, assault and HIV support offers access to medical and psychosocial support by trained medical professionals in the event that you experience or are involved in a traumatic event. The More4U operator will assess the facts of your traumatic experience and offer assistance. You could be referred for face-to-face counselling to a medical professional on the More4U network. HIV INFORMATION AND REFERRALS Trauma, assault and HIV support provides support and counselling for You, your spouse/partner, dependent children and lives covered under the Policy, if you are infected or affected by HIV/AIDS. Trauma, assault and HIV support provides You with information, education, support and lifestyle coaching by trained medical and psychosocial professionals. More4U will refer You to appropriate facilities and medical professionals. When You contact More4U, You will be assisted by a trained medical professional who will conduct an assessment to determine the best response to Your situation. Terms and Conditions Page 4
5 SHORT-TERM ANTIRETROVIRAL TREATMENT TO REDUCE THE LIKELIHOOD OF HIV INFECTION If You are exposed to HIV through an accident or rape, Trauma, assault and HIV support provides access to short-term anti-retroviral treatment to reduce the likelihood of HIV infection after potential exposure. The treatment includes the following: Access to telephonic trauma and HIV/AIDS counselling A referral to a medical professional. Three blood tests per incident: the first one immediately after the event, the second at 6 weeks after the event, and the third blood test, 3 months after the event. If the result after the first blood test is positive, no further tests will be done. If You are HIV negative, You are provided with: A 30-day starter pack of anti-retroviral medication A 7-day course of Sexually Transmitted Infections (STI) medication, in the case of rape A morning-after pill to prevent pregnancy, in the case of rape 24-hour access to the HIV counselling centre for information, advice and support. If You are HIV positive, You are provided with: 3 consultations with a medical professional per incident A 7-day course of STI medication A morning-after pill to prevent pregnancy in the case of rape. When You contact More4U, a registered medical professional will assess your situation to determine the most appropriate response. Terms and Conditions Page 5
6 HEALTH AND WELLBEING SUPPORT You and the lives covered under the Policy can access the Health and wellbeing support. Health and wellbeing support is available 24 hours a day, 365 days a year. The More4U operator will be required to verify your personal information. Health and wellbeing support is subject to the terms and conditions of its independent service provider. ANNUAL HEALTH SCREENINGS Health and wellbeing support provides You with access to online information & resources. Health and wellbeing provides health screenings at Your closest medical centre at discounted rates. The screenings will include: Flu inoculation HIV/AIDS counselling and testing Health Risk Assessments(such as blood pressure and BMI screenings) TB Screenings. Terms and Conditions Page 6
7 LEGAL WELLNESS You, your spouse, dependent children and lives covered on the Policy have access to Legal Wellness. Legal Wellness is available 24 hours a day through More4U. Only the first 30 minutes of a face-to-face consultation will be at no additional cost to You. If your consultation is longer than 30 minutes, the additional time will be for your own account. The attorney will inform You when your consultation has gone overtime. The More4U operator will verify your personal information. Legal Wellness is subject to the terms and conditions of its independent service provider. LEGAL ASSISTANCE Legal Wellness provides legal assistance in general South African law such as civil, criminal, labour, conveyancing, tax, financial advice and family law. Legal Wellness is provided by qualified attorneys. More4U will direct your question to a qualified attorney. The attorney will: Provide legal advice Send You a standard legal document Where necessary, refer You to an attorney on the More4U network, closest to You, for a 30 minute face-to-face consultation at no additional cost to you. LEGAL DOCUMENTS Through the legal document offering, You will have access to: A Small Claims Court kit (including guidelines as to whether a matter falls within the jurisdiction of the Small Claims Court) A Domestic Workers Agreement A Maintenance Kit. FACE TO FACE LEGAL CONSULTATION During the 30 minute consultation, the attorney may draft a letter of demand or make one telephone call on Your behalf. If your consultation is longer than 30 minutes, the additional time will be for your own account. The attorney must inform you when your consultation has gone overtime. Terms and Conditions Page 7
8 FINANCIAL WELLNESS You and your spouse/partner have access to Financial Wellness. Financial Wellness is available, through More4U, Monday to Friday from 8am to 5pm. Financial Wellness is not available on Saturdays, Sundays and public holidays. You will have to accept the terms and conditions before Financial Wellness can generate and request a credit report from the Credit Bureaus. Legal fees associated with the management of Garnishee orders will be for Your own account, which means You will have to pay out of Your own pocket. A More4U operator will have to verify your personal information. Your Credit reports will be ed or SMSed to you on a quarterly basis. Financial Wellness is subject to the terms and conditions of its independent service providers and is subject to change, cancellation or withdrawal. FINANCIAL OR CREDIT STATUS MANAGEMENT Financial Wellness offers you access to: Your credit score from each credit bureau Your credit score compared with other South Africans Information on how to improve Your credit score Financial Wellness can provide You with a holistic view of Your current financial habits in order to help You plan and manage Your finances better. ADVICE ON FINANCIAL WELLNESS (INCLUDING CREDIT SCORES AND THE MANAGEMENT OF GARNISHEE ORDERS) Financial Wellness offers you access to a credit coach who can help You: Manage your debt and credit Complete a debt assessment, activity assessment, budget, applying for new credit, and help with the removal of a blacklisting Explain and answer questions pertaining to Your credit report Advise on how to use of tools and services that they offer Analyse debt and restructure existing agreements if required Refer you to affordable attorneys Refer You for debt counselling or consolidation Refer You to Old Mutual s On the Money financial education workshops. Terms and Conditions Page 8
9 Financial Wellness is offered in the following languages: English Zulu Xhosa Tswana Sotho Sepedi Shangaan Venda Afrikaans. MANAGEMENT OF GARNISHEE ORDERS Financial Wellness provides Garnishee Management which will validate the correctness of the Garnishee Order and where possible, will renegotiate the amounts paid to the credit provider. Financial Wellness will contact the relevant HR department, the credit provider, or attorney involved, in order to evaluate all Garnishee orders and assess the best way forward. Once a signed power of attorney is received with copies of all Garnishee Orders under Your name, the credit coach will: Complete a financial assessment with the You and establish details of how the order was served and whether it is lawful. Renegotiate payment terms and finally issue a court order to amend, set aside or rescind the Garnishee Order. Legal fees associated with resolving a Garnishee Order matter, will be for Your own account. Terms and Conditions Page 9
10 FUNERAL SUPPORT You and the lives covered under the Funeral and/or Life Plans can access Funeral Support. Funeral support is available through More4U 24 hours a day. A More4U operator will verify your personal information. You will need to provide: Your name and contact details The deceased s name and identity number The Old Mutual policy number The address where the death occurred. The body will only be transported if the distance between the place of death and the place of burial is more than 50 km. If You use your own money to make funeral arrangements that are available under Funeral Support, you will not be compensated, and More4U will not be liable for these costs. Funeral Support is subject to the terms and conditions of its independent service provider. FUNERAL SUPPORT Funeral Support helps: Transport the body (body repatriation) Interpret policies Obtain a death certificate Refer you to a psychologist or psychiatrist where needed Refer you for counselling where your child has passed away. Terms and Conditions Page 10
11 FUNERAL RELATED DISCOUNT VOUCHERS Discount vouchers for public and private transport; groceries, airtime and funeral related products. Availability: Limited to claim stage Description: Access to discount vouchers for transport, groceries, airtime and funeral related products. You/Your: A Policyholder who qualifies to access discounts under More4U Operating hours: Monday to Friday from 7am to 7pm Saturdays from 8am to 12pm (Excluding public holidays) More4U facilitates access to a range of discount vouchers for: Buses, taxis and flights Groceries and airtime Funeral-related products (for example coffins, tombstones and other funeral related products). The discounts are only available, through More4U, at claim stage. The More4U operator will verify your personal information. Shopping vouchers can only be used at the point of sale. The vouchers cannot be exchanged for cash. Funeral products, on which a discount voucher will be used, must be paid for in full before the funeral. The discount voucher can only be used once. An original voucher must be presented at point of sale for some discount vouchers. Only one voucher may be used per claim. The offer cannot be used together with any other special offer or promotion. The More4U operator will explain to you how to use the discount voucher and will send you an or SMS (within 24 business hours) which either delivers the voucher or the voucher code. In cases where You are required to produce proof of payment before receiving a discount voucher, You will need to send through the proof of payment via fax or , and the discount voucher will be effective within 24 business hours from when they receive the proof of payment. Terms and Conditions Page 11
12 You will be required to identify yourself at point of sale. The discounts are subject to availability and to the terms and conditions of the independent service providers. HOW TO ACCESS THE DISCOUNT VOUCHERS Phone the More4U contact number. Select the appropriate option. A More4U operator will verify your personal information. Request the discount voucher either directly or after requesting information from the More4U operator. The More4U operator will explain the relevant terms and conditions and or fax you the voucher or request that you collect it. Terms and Conditions Page 12
TERMS AND CONDITIONS
TERMS AND CONDITIONS More4U are value-added services that You have access to in addition to Your insurance policy benefits or when You take out a loan. It does not represent a contract between You and
More informationFINANCE TURTLE MEMBER BENEFITS
FINANCE TURTLE MEMBER BENEFITS FOR ALL YOUR FINANCIAL NEEDS UNDER ONE SHELL! To minimise the impact of every day challenges FINANCE TURTLE provides our members with practical benefits designed to add value,
More informationACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES
ACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES WELCOME TO ELIXI MEDICAL INSURANCE PURPLE PLAN - PRIMARY AND HOSPITAL CARE Elixi Medical Insurance aims to make private healthcare
More informationcare 4u 24hr GREENLIGHT CARE 4U a single call that can save time, effort, heartache or even a life.
24-hour assistance, advice and support for when life happens. 0860 61 62 63 a single call that can save time, effort, heartache or even a life. care 4u 24hr As the person covered under a standalone GREENLIGHT
More informationMY CARE 4U GUIDE. *For the latest available offers please call
MY CARE 4U GUIDE *For the latest available offers please call 0860 61 62 63 YOUR HOME PAGE As a valued Old Mutual GREENLIGHT customer, you automatically qualify for GREENLIGHT CARE 4U a wide range of value-added
More informationX X X X X X X. X Take Me Home. X HIV & Trauma Counselling X X X X. A. Welcome to Help Me
A. Welcome to Help Me Help Me is fast becoming one of the leading emergency services brands in South Africa. We are pleased to provide you with the following terms and conditions. For your applicable services,
More informationYou always get something out.
SURANCE You always get something out. funeral plan policy SURANCE Welcome to the OUTsurance Life family. This document and your schedule is the contract between you and us. Please note that throughout
More informationalternative no
0860 200 002 alternative no. 083 789 9932 Thank you for joining the Help assistance programme exclusively designed for clients of Echelon Private Client Insurance. For a nominal contribution each month,
More informationDeath Claim form Application for a death claim
Death Claim form Application for a death claim Where to get more help Ask your Sanlam adviser or broker to assist you Visit your nearest Sanlam office Call Sanlam Death Claims Call Centre at (021) 916
More informationMerit List. Congratulations to the following Independent Brokers who came out tops at the end of September 2014:
rokerbuzz brokerbuzz brokerbuzz brokerbuzz brok zz brokerbuzz brokerbuzz brokerbuzz brokerbuzz b erbuzz brokerbuzz brokerbuzz brokerbuzz brokerbu rokerbuzz brokerbuzz brokerbuzz brokerbuzz brok zz brokerbuzz
More informationACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES
ACCESS TO THE HIGHEST QUALITY PRIMARY HEALTHCARE AT AFFORDABLE PRICES WELCOME TO ELIXI MEDICAL INSURANCE BLACK PLAN - PRIMARY AND HOSPITAL CARE Elixi Medical Insurance aims to make private healthcare affordable
More informationSGIC Motor Insurance Premium, Excess, Discounts & Helpline Benefits Guide SA
1 SGIC Insurance Premium, Excess, Discounts & Helpline Benefits Guide This SGIC Insurance Premium, Excess, Discounts & Helpline Benefits Guide should be read with the SGIC Insurance Product Disclosure
More informationDot not submit your application if you do not agree to or thoroughly understand our Terms and Conditions.
TERMS AND CONDITIONS The following websites are divisions of The Finance Turtle Group a registered company in the Republic of South Africa with Registration number: 2009/171156/23; www.loans4africa.co.za
More informationMOTOR INSURANCE PREMIUM, EXCESS, DISCOUNTS & HELPLINE BENEFITS GUIDE
MOTOR INSURANCE PREMIUM, EXCESS, DISCOUNTS & HELPLINE BENEFITS GUIDE 1 This NRMA Insurance Premium, Excess, Discounts & Helpline Benefits Guide should be read with the NRMA Insurance Product Disclosure
More informationVALUE ADDED SERVICES FROM A COMPANY YOU CAN TRUST
VALUE ADDED SERVICES FROM A COMPANY YOU CAN TRUST Beneficiary Companion Travel Assistance Identity Theft Value Added Services from Europ Assistance The benefits of doing business with Kansas City Life
More informationStill Waters Counseling, Consulting, and Psychological Services Initial Contact Information Sheet Testing
Initial Contact Information Sheet Testing Name: DOB: Date of Contact: Home Address: Phone numbers / Leave message? : Method for Reminder Messages: Phone: E-mail: Emergency Contact: Name of person Phone
More informationPOLICY SCHEDULE BUSINESS TRAVEL
BUSINESS TRAVEL POLICYHOLDER and/or any other affiliated body and/or institution and/or institution and/or associations (now existing or hereinafter acquired, formed, taken over or incorporated) and associated
More informationProduct reference guide
Aon Risk Solutions Product reference guide Empowering clients with our unique Structured Portfolio Solutions AonProtect Employee travel pack Empower results with medical emergency assistance, helpline
More informationPERSONNEL POLICY SUPPLEMENT LAO PDR NATIONAL STAFF
PERSONNEL POLICY SUPPLEMENT 1. HOURS OF WORK AND OVERTIME... 3 2. LOCAL HOLIDAYS... 3 3. SALARY POLICY... 3 3.1 PAY PERIOD (FORM IN WHICH STAFF SALARY WILL BE PAID)... 4 4. HOST COUNTRY TAXATION... 4 5.
More informationInsurance Cover Summary Corporate Travel Staff
Arthur J. Gallagher & Co (Aus) Limited ABN 34 005 543 920 AFSL 238312 Insurance Cover Summary Corporate Travel Staff Flinders University Contact Details: Arthur J. Gallagher 180 Greenhill Road Parkside
More informationSanlam Reality Access offers you more!
Sanlam Reality Access offers you more! Reality Access All Fedhealth members automatically get FREE membership to Sanlam Reality on the Reality Access membership option. On this membership option, you will
More informationAmerican Express Worldwide Travel Accident Insurance Certain limitations and exclusions apply.
Worldwide Travel Accident Insurance: Worldwide Travel Accident Insurance provides accidental death or dismemberment insurance while traveling on a common carrier, (plane, train, ship or bus) when the entire
More informationApplication Form. Debt Review. We have started new beginnings for more than South Africans and your new beginning starts here.
Debt Review Application Form We have started new beginnings for more than 25 000 South Africans and your new beginning starts here. So well done for doing that and welcome to DebtSafe. Here s a quick reminder
More informationMECHANICAL OR ELECTRICAL BREAKDOWN
a s s i s t 0860 747 247 S T R A T E G I C I N S U R A N C E S Y S T E M S ROADSIDE ASSIST SIS Assist is there for you 24 hours a day, 7 days a week and 365 days a year, not only for mechanical and electrical
More informationWe help you prepare for a dignified send off, allowing you and your family to focus on what matters most.
We help you prepare for a dignified send off, allowing you and your family to focus on what matters most. The loss of a loved one is a difficult and emotional time for family members left behind. The high
More informationScottish Infected Blood Support Scheme. Guidance on Support and Assistance Grants
Scottish Infected Blood Support Scheme Guidance on Support and Assistance Grants Introduction The Scottish Infected Blood Support Scheme (SIBSS) will be managed by NHS National Services Scotland and has
More informationZurich Travel Assist. A familiar standard of care in an unfamiliar place
Zurich Travel Assist A familiar standard of care in an unfamiliar place A global approach to well-being More Americans are journeying across the country and around the globe and travelers are often presented
More informationINFORMATION FORM. Page 1 of 17
INFORMATION FORM Page 1 of 17 Client Information and Acknowledgment of Informed Consent to Treatment Therapist: Neila Senter, LPCC, is a licensed independent counselor engaged in the private practice of
More informationMazwe Assist Funeral Plan and Assistance Cover
Mazwe Assist Funeral Plan and Assistance Cover **MEMBER SURNAME: FIRST NAMES: EMAIL ADDRESS: POSTAL ADDRESS: IDENTITY NUMBER: OCCUPATION: TELEPHONE NUMBER: CELL PHONE NUMBER:.DEPENDENTS ENTRY AGE 0-21
More informationYOUR ALL-IN-ONE INSURANCE SOLUTION
YOUR ALL-IN-ONE INSURANCE SOLUTION INSURANCE WITH A DIFFERENCE At Old Mutual Insure, our mission is to provide our clients with superior insurance solutions to protect their assets. That s why we re delighted
More informationThe NHS Business Services Authority manages the England Infected Blood Support Scheme.
England Infected Blood Support Scheme Guidance on support and assistance grants Introduction The NHS Business Services Authority manages the England Infected Blood Support Scheme. In this document you
More informationYou & Your Workplace An overview of the terms of employment at Stockholm University
Human Resources Office You & Your Workplace An overview of the terms of employment at Stockholm University Changes until May 2018 1 1 GENERAL RULES... 3 1.1 EMPLOYMENT... 3 1.2 TEMPORARY EMPLOYMENT...
More informationStaff Care Solutions. Quality, affordable healthcare solutions for the low-income market
Staff Care Solutions Quality, affordable healthcare solutions for the low-income market Why the need for low-income healthcare solutions? Access to healthcare is an integral component to an employee s
More informationFamily Benefit LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE
Family Benefit LIFE INVESTMENTS HEALTH CORPORATE PROPERTIES ADVICE Grief is in two parts. The first is loss. The second is the remaking of life. - Anne Roiphe 1 / LIBERTY CORPORATE FAMILY BENEFIT Family
More informationFEEL SAFE AND SECURE ON THE ROAD.
Group Benefits FEEL SAFE AND SECURE ON THE ROAD. Employee Travel Assistance Program Feel at home when you re away. Sometimes even the best laid travel plans go awry. And when you re away from home and
More informationand Accident Insurance Program Life ACT NOW! For the Employees and Families of State Street > Enrollment Without Proof of Good Health
For the Employees and Families of State Street Life and Accident Insurance Program ACT NOW! > Enrollment Without Proof of Good Health > Tobacco/Non-Tobacco User Rates > High Levels of Coverage Available
More informationMechanical and electrical breakdown
ROADSIDE ASSISTANCE These services are available 24/7/365 days and cover call-out and one hour but exclude parts which are for the member s account. An Edgars Club member whose account is in good standing
More informationTravel Assistance. Security That Travels With You. Standard Insurance Company
Travel Assistance Security That Travels With You Standard Insurance Company Standard Insurance Company is licensed to issue insurance in all states except New York. If you made a list of things that were
More informationVoyage Assistance. Travel coverage that never takes a holiday
Voyage Assistance Travel coverage that never takes a holiday When you travel for business or pleasure, your Chambers of Commerce Group Insurance Plan continues to work for you. The Plan s Extended Health
More informationThe Swedish State s Erasmus Mundus Insurance
The Swedish State s Erasmus Mundus Insurance Insurance Terms and Conditions, 1 January 2010 DNR 899-13401-09 All students in Sweden are currently covered by the personal injury insurance (the general student
More informationFAMILY FUNERAL PLAN CLASSIC
FAMILY FUNERAL PLAN CLASSIC Maximum age at entry: 65 Retirement age: 60 or 65 Age next birthday at entry or increase in benefits 18-50 51-60 61-65 FUNERAL PLANS FAMILY - PLAN A 3 000 28.00 34.00 44.00
More informationSuncorp Life Protect. Product Disclosure Statement Prepared: 20 February 2015 Effective: 30 March 2015
Suncorp Life Protect Product Disclosure Statement Prepared: 20 February 2015 Effective: 30 March 2015 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect. Suncorp
More informationTravel Assistance. Security That Travels With You. Standard Insurance Company The Standard Life Insurance Company of New York
Travel Assistance Security That Travels With You Standard Insurance Company The Standard Life Insurance Company of New York Standard Insurance Company is licensed to issue insurance in all states except
More informationMy Bundle: your flexible benefits
: your flexible benefits Welcome is your dedicated flexible benefits programme. It allows you to choose benefits to suit you, your family and your budget. You can choose your benefits online by logging
More informationIMARDA ASSIST PRODUCT PORTFOLIO IMARDA ASSIST PRODUCT PRICING
IMARDA ASSIST PRODUCT PORTFOLIO IMARDA ASSIST INDIVIDUAL CLIENT RATE INCLUDING or EXCLUDING VEHICLE TRACKING SERVICE Medical Assistance Access ( Client to pay for stabilization and evacuation services
More informationFAS Fee-paying students
Page 1 (12) Terms and conditions 01/01/2018 Serial no.. 01/01/2018 Page 2 (12) Contents Content 1 Scope, definitions and deductible... 4 1.1 Who does the insurance apply to?... 4 1.2 Where and when does
More informationTravel Assistance Program
ACE American Insurance Company (A Stock Company) Philadelphia, PA (Herein called We, Us, Our) ATTENTION In the event of a medical emergency call ACE s Travel Assistance Services immediately 24-Hour Access
More informationSurvivors. b e n e f i t s g u i d e
Survivors b e n e f i t s g u i d e About this guide This guide explains the WSIB s benefits and services for dependants of workers who have died as a result of a work-related disease or injury. In addition
More informationKey Information Pack. Online ISA
Online ISA Key Information Pack Post Office Money Online ISA is provided by OneFamily. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK. postofficemoney.co.uk Key Features of
More informationAll other times, including holidays, a telephone call-in service is provided
Worldwide Financial Services Common Carrier Trip Cancellation/Trip Interruption: Worldwide Financial Services Common Carrier Trip Cancellation/Trip Interruption Insurance reimburses the actual Non-Refundable
More informationGet FREE Travel Insurance Coverage with your HSBC Platinum Visa Credit Card
Get FREE Travel Insurance Coverage with your HSBC Platinum Visa Credit Card As an HSBC Platinum Visa Credit Card holder, you get an exclusive Travel Insurance Coverage when you pay for your travel fares
More informationAppendix B VACATION. Purpose Annual paid vacation is for the purpose of rest and relaxation intended to benefit the employee s health and efficiency.
VACATION Purpose Annual paid vacation is for the purpose of rest and relaxation intended to benefit the employee s health and efficiency. Eligibility Employees are eligible for paid vacation after completing
More informationOLD MUTUAL SUPERFUND PRESERVER
OLD MUTUAL SUPERFUND PRESERVER MEMBER GUIDE BEING A PRESERVER MEMBER SHOWS YOUR COMMITMENT TO YOUR FINANCIAL FUTURE! Preserver allows you to continue your Old Mutual SuperFund Membership, even though you
More informationBY AND BETWEEN THE AND THE. INTERNATIONAL UNION OF OPERATING ENGINEERS, LOCAL 501, AFL-CIO (hereinafter Union )
MEMORANDUM OF UNDERSTANDING FOR JOINT SUBMISSION TO THE CITY COUNCIL REGARDING THE USE OF UNION HIRING HALL FOR TEMPORARY USE OF OPERATING ENGINEERS (MOU 62) BY AND BETWEEN THE CITY OF LOS ANGELES ON BEHALF
More informationBasic and Supplemental Life and AD&D Insurance
Basic and AD&D Insurance Benefit Highlights State of Arizona What is Basic and AD&D Insurance? The State of Arizona provides, at no cost to you, Basic Life Insurance in an amount of $15,000. Supplemental
More informationOverseas study protection plan claim
Overseas study protection plan claim Important notice If we accept this form, it does not mean we are taking legal responsibility for your claim. If we ask for any documents as proof or a report, you will
More informationCIGNA INTERNATIONAL MEDICAL BENEFITS ABROAD PROGRAM
Medical Benefits Abroad The Cigna International Medical Benefits Abroad Program gives you access to medical coverage for emergencies, urgent care and other health-related services for unexpected illnesses
More informationChristina Agustin, MD Board Certified in Adult Psychiatry 1 Lake Bellevue Drive, Suite 101 Bellevue, WA Phone Fax:
Christina Agustin, MD Board Certified in Adult Psychiatry 1 Lake Bellevue Drive, Suite 101 Bellevue, WA 98005 Phone 425-301-9869 Fax: 866-546-1618 Welcome to my practice. I look forward to meeting with
More informationLifeMap Assurance Company PLUS PROGRAM ASSISTANCE PROGRAM DESCRIPTION
LifeMap Assurance Company PLUS PROGRAM ASSISTANCE PROGRAM DESCRIPTION A comprehensive program providing You with 24/7 emergency medical and travel assistance services when You are outside Your Home Country
More informationLEGACY PROTECTION PLAN APPLICATION
LEGACY PROTECTION PLAN APPLICATION Plan Number: P N New application Plan amendment CUSTOMER INFORMATION I SECTION A: PERSONAL DETAILS Title & full names: Smoking status: Smoking n-smoking Highest education:
More informationSTANDARD TORT CLAIM FORM PLEASE TYPE OR PRINT IN INK
STANDARD TORT CLAIM FORM PLEASE TYPE OR PRINT IN INK General Liability Claim Form Pursuant to Chapter 4.92 RCW, this form is for filing a tort claim against the Public Utility District No. 3 of Mason County.
More informationBereavement Benefits 1
Bereavement Benefits 1 Bereavement Benefits This leaflet has been produced by the National Association of Funeral Directors, in conjunction with the Department for Work & Pensions, to offer bereaved people
More informationSuncorp Life Protect. Product Disclosure Statement
Suncorp Life Protect Product Disclosure Statement Prepared on: 1 June 2018 Effective date: 23 July 2018 Important information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect. Suncorp
More informationIncome Travel Claim Submission Procedure
Income Travel Claim Submission Procedure Step 1 - Print the claim form. Step 2 - Complete the claim form and refer to the claim matrix for supporting documents required. Step 3 - Get the authorized personnel
More informationCOUNTY OF ONONDAGA INFORMATION REGARDING INDIGENT BURIAL ASSISTANCE
COUNTY OF ONONDAGA DEPARTMENT OF SOCIAL SERVICES ECONOMIC SECURITY Child Support Day Care Fair Hearings Fraud HEAP Medicaid SNAP Systems Temporary Assistance JOHN H. MULROY CIVIC CENTER 421 MONTGOMERY
More informationStudent Health Insurance Orientation for International Students Autumn 2018
Student Health Insurance Orientation for International Students Autumn 2018 Questions we will answer today: General overview of U.S. systems Health insurance: Why it exists and how it works Health care
More informationA guide to your benefits
Basic and Optional Group Term Life Insurance and Basic and Optional AD&D Insurance A guide to your benefits You've made a good decision in choosing Anthem Life Plan Sponsor: Southern State Community College
More informationTERMS & CONDITIONS. A range of services to deal with the inconveniences in the aftermath of a home robbery or vehicle hijack.
TERMS & CONDITIONS 1. PRODUCT DESCRIPTION: AMAZING CALL Panic Alert Each member of the family (up to 5 in all) receive a panic facility (either LBS or an App on a smartphone) which gives them 24/7 access
More informationSavings that grow with you
CASH ISA Savings that grow with you Choose a Cash ISA Post Office Money ISAs are provided by OneFamily. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK. PostOfficeMoney.co.uk
More informationCaravan & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide
& Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide This RACV & Trailer Insurance Premium, Excess, Discounts & Aussie Assist Benefits Guide should be read with the RACV & Trailer
More informationWHAT TO DO WHEN A LOVED ONE PASSES CHECKLIST
Coping with the passing of a loved one is difficult. ARTA has provided the following checklist of things to consider while going through this very difficult time. Please note that while most of the contact
More informationEMERGENCY ROADSIDE ASSISTANCE
EMERGENCY ROADSIDE ASSISTANCE Reg No: 2000/027673/06 WELCOME TO THE SAFIRE EMERGENCY TOWING SERVICES AND MEDICAL ASSIST ACCESS PROGRAMME. SAFIRE OFFERS MEMBERS FULL PEACE OF MIND IN THE EVENT OF A ROADSIDE
More informationInternational Payment Service Terms and conditions
International Payment Service Terms and conditions Welcome to the International Payment Service (the Service) from Link Market Services Limited. This document, together with your Application and Account
More informationA guide to your inherited ISA allowance
A guide to your inherited ISA allowance We re here for you We re so sorry to hear your partner has passed away. And we re here to help you in any way we can. This leaflet will tell you everything you need
More informationKey Information Pack. The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK.
Key Information Pack The AA ISA is provided by OneFamily. Money in this AA ISA is deposited with Bank of Ireland UK. 1 Key Features of the AA ISA The AA ISA is provided by OneFamily. Money in this AA ISA
More informationTerms of Reference. Protection, Care and Support of Children and Families Living with HIV, Consultancy
Terms of Reference Protection, Care and Support of Children and Families Living with HIV, Consultancy Location: NYHQ Language(s) Required: English, French is an advantage Travel: Yes, as required Duration
More informationPaying for care. An information guide for people living in Surrey
Paying for care An information guide for people living in Surrey 2 Surrey County Council About this booklet Paying for care is a very complicated subject. This Easy Read booklet is very long but we felt
More informationTUNE PROTECT TRAVEL - AIRASIA *(For policies underwritten by Tune Protect Malaysia (Tune Insurance Malaysia Berhad K)) CLAIM FORM
TUNE PROTECT TRAVEL - AIRASIA *(For policies underwritten by Tune Protect Malaysia (Tune Insurance Malaysia Berhad 30686-K)) IMPORTANT NOTICE: To enable us to process your claim as quickly as possible,
More informationApply Online For Social Security Benefits
Apply Online For Social Security Benefits Apply Online For Social Security Benefits Why should I apply for benefits online? Applying for benefits online offers several advantages, among them: You apply
More informationMEDEX Plus. A travel medical benefit for you. Brought to you by:
MEDEX Plus A travel medical benefit for you Brought to you by: When planning for your international trips, have you thought about what you would do if an emergency occurs? How would you find a hospital?
More informationCancellation Insurance. Insurance Terms and Conditions 722
Cancellation Insurance Insurance Terms and Conditions 722 Valid from December 1st, 2018 Contents 1. Cancellation Insurance Page 3 2. Holiday compensation Page 3 3. Peace of mind package Page 3 4. General
More informationSavings general terms and conditions
Savings general terms and conditions Effective from 31 August 2018 Savings general terms and conditions 1 The agreement for your account is comprised of these Terms and Conditions, the document containing
More informationFuneral Grant Application
Funeral Grant Application CLIENT NUMBER (of person applying) Please read this before you start A funeral grant may help with some of the funeral costs of someone who has died. You may get a Funeral Grant
More informationKey Information Pack
Online ISA Key Information Pack Post Office Money Online ISA is provided by Family Investments. Savings in Post Office Money cash ISAs are deposited with Bank of Ireland UK PostOfficeMoney.co.uk Key Features
More informationCLUB GUIDE RISK MANAGEMENT
CLUB GUIDE 06 6.1 INSURANCE It is vital that surf lifesaving clubs protect their assets with adequate insurance. Surf Life Saving Western Australia has arranged an insurance program to provide benefits
More informationZurich Travel Assist. A familiar standard of care in an unfamiliar place
Zurich Travel Assist A familiar standard of care in an unfamiliar place Make yourself at home anywhere in the world Zurich Travel Assist is a medically based travel assistance program that focuses on providing
More informationCRIME VICTIMS COMPENSATION APPLICATION
CRIME VICTIMS COMPENSATION APPLICATION STATE OF ILLINOIS COURT OF CLAIMS STATE OF ILLINOIS ATTORNEY GENERAL COMPLETE ALL SECTIONS TO THE BEST OF YOUR ABILITY. SEE INSTRUCTIONS FOR INFORMATION ON FILLING
More informationPolicyholder: NES Global Talent Holdings Limited Policy Number: ACO146P32758
Guide to Global Medical Assistance & Treatment Insurance 2014/15 in Mexico Policyholder: NES Global Talent Holdings Limited Policy Number: ACO146P32758 The Global Medical Assistance & Treatment (GMAT)
More informationFrequently Asked Questions (FAQ) e-term Takaful Cover
Frequently Asked Questions (FAQ) e-term Takaful Cover PART A: GENERAL QUESTIONS ABOUT THE PLAN & HOW TO GET STARTED 1. What is e-term Takaful Cover? e-term Takaful Cover is a family takaful regular contribution
More informationfirst direct Travel Money
first direct Travel Money Terms and Conditions Terms and Conditions first direct Travel Money is provided by first direct, a division of HSBC UK Bank plc. HSBC UK Bank plc is incorporated in England and
More informationStaff Care Solutions Employer Guide Quality, affordable healthcare solutions for the low-income market
Staff Care Solutions Employer Guide 2019 Quality, affordable healthcare solutions for the low-income market Why the need for low-income healthcare solutions? Access to healthcare is an integral component
More information2017 Benefits Overview
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions 2017 Benefits Overview (Updated July 2017) January 2017 Welcome! We are very excited at the possibility of having
More informationTUNE PROTECT TRAVEL INSURANCE BY AIRASIA MALAYSIA CLAIM FORM *(For policies underwritten by Tune Insurance Malaysia Berhad only)
TUNE PROTECT TRAVEL INSURANCE BY AIRASIA MALAYSIA CLAIM FORM *(For policies underwritten by Tune Insurance Malaysia Berhad only) IMPORTANT NOTICE: To enable us to process your claim as quickly as possible,
More informationKILROY Plus Cancellation Insurance Terms and conditions UK
KILROY Plus Cancellation Insurance Terms and conditions 70141-UK Valid from April 1, 2018 Consider this when you read the terms and conditions: 1. The terms and conditions should be read together with
More informationTORT CLAIM FORM PACKET
TORT CLAIM FORM PACKET Please carefully read all of the information in this packet before completing and presenting your Tort Claim Form. Documents Contained in the Tort Claim Form Packet Instructions
More informationBlue Sky Tours Holiday Protection
Blue Sky Tours Holiday Protection Frequently Asked Questions General Questions Why should I purchase the Blue Sky Tours Holiday Protection? Is there help while I m traveling? When is payment for the plan
More informationImmediate Family Member Application
CRIME VICTIM ASSISTANCE PROGRAM Immediate Family Member Application The Crime Victim Assistance Program (CVAP) provides benefits to Immediate Family Members of an injured or deceased victim of violent
More informationTOURING CARAVAN LEGAL EXPENSES INSURANCE POLICY WORDING DEFINITIONS TERMS OF COVER
Important Notice: If your policy start date is on or after 1 st October 2013, pages 37-48 of the enclosed Caravan Guard policy booklet have been replaced by the below Arc Legal Expenses policy. This cover
More informationDATE: December 13, 2016 TO: Subscribers SUGGESTED DISTRIBUTION: Commissioners; TA Directors; Housing/Homeless Services Directors FROM: Cheryl Contento, Deputy Commissioner Division of Shelter Oversight
More informationCASH ISA SAVINGS CASH ISA SAVINGS. Terms and Conditions. Cash ISA. Clockwork Regular ISA Saver. Cash Junior ISA. Help to Buy: ISA
CASH ISA SAVINGS CASH ISA SAVINGS Terms and Conditions Cash ISA Clockwork Regular ISA Saver Cash Junior ISA Help to Buy: ISA Contents Save with confidence 2 GENERAL TERMS AND CONDITIONS Cash ISA 3 Opening
More information