Common use of Emergency Treatment Clause in Contracts

Emergency Treatment. If the treatment requires an emergency admission, the member may not be able to contact us beforehand. Do, however, ask somebody to contact us as soon as possible and make sure that, when the member is admitted to hospital, the hospital is given the member’s membership card and proof of identity so that it can contact us straight away. While you are having treatment In any event, if a member is receiving treatment in any part of our hospital within our international directory of hospitals the member must always identify himself/herself as a member to ensure that his eligible treatment enjoys the advantages of our negotiated rates. Failure to do this may expose you/the member to additional costs which you/the member will have to bear. Please note that AXA reserves the right to recover from you/the member any ineligible expenses it has incurred on behalf of that member under this policy. Members can visit our website at xxx.xxx.xxx.xx to obtain a printable claim form if they need one or call our Health Customer Care Centre at the number shown on the reverse of your membership card. Members must take a claim form with them (also available from our website) and make sure it is filled in and signed by themselves and the medical practitioner treating such member and send back to us as quickly as possible, giving us all the information we request. Only original receipted invoices can be accepted with your claim. A fully completed claim form will ensure that the claim will be processed promptly. An incomplete or unsigned claim form may delay settlement of the claim and in some cases may lead to the claim form being returned to you/the member for completion. It may be necessary for us to obtain a medical report from the attending medical practitioner. If the medical practitioner does not respond quickly to such a request the claim may be delayed. For treatment where the member is seeking our pre-authorization, such authorization must be received from us, in writing, prior to treatment commencing. A copy of that authorization must be included in the member’s subsequent claim. Please note that, for reimbursement claims, we will only consider claims made within ninety (90) days of treatment being received. Any bills, together with your completed claim form, should be sent to: AXA Insurance Pte Ltd 0 Xxxxxxx Xxx, #00-00 XXX Xxxxx, Xxxxxxxxx 000000 Claim reimbursement will be paid in the same currency unless we have previously agreed otherwise in writing. If we agree to reimburse benefits to a member in a different currency, we will send you our written confirmation in advance, with the exchange rate used stated. Any exchange costs incurred will be payable by the member and will be subtracted from any payment made to the member in respect of such a claim. Claims incurred in any other currency will be converted using the spot rates prevailing at the time we assess the claim. What we expect from you The member must tell us on the claim form if they think any of the cost can be claimed from anyone else or under another insurance policy or source (such as but not limited to any Xxxxxxx’x Compensation policy). If so, then: • if another insurance policy is involved we will only pay for the excess of the amount recovered from such other insurance policy; or • if benefits are claimed for treatment to a member whose injury or medical condition was caused by some other person (the “third party”), we will pay only those benefits the member can claim under the policy (unless these are covered by another insurance policy, when we will only pay our proper share of the benefits). However, in paying those benefits we obtain both through the terms of the policy and by law a right to recover the amount of those benefits from the third party. In this case the following shall apply:

Emergency Treatment. If the treatment requires an emergency admission, the member may not be able to contact us beforehand. Do, however, ask somebody to contact us as soon as possible and make sure that, when the member is admitted to hospital, the hospital is given the member’s membership card and proof of identity so that it can contact us straight away. While you are having treatment In any event, if a member is receiving treatment in any part of our hospital within our international directory of hospitals the member must always identify himself/herself as a member to ensure that his eligible treatment enjoys the advantages of our negotiated rates. Failure to do this may expose you/the member to additional costs which you/the member will have to bear. Please note that AXA reserves the right to recover from you/the member any ineligible expenses it has incurred on behalf of that member under this policy. Members can visit our website at xxx.xxx.xxx.xx to obtain a printable claim form if they need one or call our Health Customer Care Centre at the number shown on the reverse of your membership card. Members must take a claim form with them (also available from our website) and make sure it is filled in and signed by themselves and the medical practitioner treating such member and send back to us as quickly as possible, giving us all the information we request. Only original receipted invoices can be accepted with your claim. A fully completed claim form will ensure that the claim will be processed promptly. An incomplete or unsigned unsigne d claim form may delay settlement of the claim and in some cases may lead to the claim form being returned to you/the member for completion. It may be necessary for us to obtain a medical report from the attending medical practitioner. If the medical practitioner does not respond quickly to such a request the claim may be delayed. For treatment where the member is seeking our pre-authorization, such authorization must be received from us, in writing, prior to treatment commencing. A copy of that authorization must be included in the member’s subsequent claim. Please note that, for reimbursement claims, we will only consider claims made within ninety (90) days of treatment being received. Any bills, together with your completed claim form, should be sent to: AXA Insurance Pte Ltd 0 Xxxxxxx Xxx, #00-00 XXX Xxxxx, Xxxxxxxxx 000000 Claim reimbursement will be paid in the same currency unless we have previously agreed otherwise in writing. If we agree to reimburse benefits to a member in a different currency, we will send you our written confirmation in advance, with the exchange rate used stated. Any exchange costs incurred will be payable by the member and will be subtracted from any payment made to the member in respect of such a claim. Claims incurred in any other currency will be converted using the spot rates prevailing at the time we assess the claim. What we expect from you The member must tell us on the claim form if they think any of the cost can be claimed from anyone else or under another insurance policy or source (such as but not limited to any Xxxxxxx’x Compensation policy). If so, then: • if another insurance policy is involved we will only pay for the excess of the amount recovered from such other insurance policy; or • if benefits are claimed for treatment to a member whose injury or medical condition was caused by some other person (the “third party”), we will pay only those benefits the member can claim under the policy (unless these are covered by another insurance policy, when we will only pay our proper share of the benefits). However, in paying those benefits we obtain both through the terms of the policy and by law a right to recover the amount of those benefits from the third party. In this case the following shall apply:

Emergency Treatment. If the treatment requires an emergency admission, the member may not be able to contact us beforehand. Do, however, ask somebody to contact us as soon as possible and make sure that, when the member is admitted to hospital, the hospital is given the member’s membership card and proof of identity so that it can contact us straight away. While you are having treatment In any event, if a member is receiving treatment in any part of our hospital within our international directory of hospitals the member must always identify himself/herself as a member to ensure that his eligible treatment enjoys the advantages of our negotiated rates. Failure to do this may expose you/the member to additional costs which you/the member will have to bear. Please note that AXA reserves the right to recover from you/the member any ineligible expenses it has incurred on behalf of that member under this policy. Members can visit our website at xxx.xxx.xxx.xx to obtain a printable claim form if they need one or call our Health Customer Care Centre at the number shown on the reverse of your membership card. Members must take a claim form with them (also available from our website) and make sure it is filled in and signed by themselves and the medical practitioner treating such member and send back to us as quickly as possible, giving us all the information we request. Only original receipted invoices can be accepted with your claim. A fully completed claim form will ensure that the claim will be processed promptly. An incomplete or unsigned claim form may delay settlement of the claim and in some cases may lead to the claim form being returned to you/the member for completion. It may be necessary for us to obtain a medical report from the attending medical practitioner. If the medical practitioner does not respond quickly to such a request the claim may be delayed. We do not pay for medical reports. For treatment where the member is seeking our pre-authorization, such authorization must be received from us, in writing, prior to treatment commencing. A copy of that authorization must be included in the member’s subsequent claim. Please note that, for reimbursement claims, we will only consider claims made within ninety (90) days of treatment being received. Any bills, together with your completed claim form, should be sent to: AXA Insurance Pte Ltd 0 Xxxxxxx Xxx, #00-00 XXX Xxxxx, Xxxxxxxxx 000000 Your premiums are payable in Singapore Dollars. Claim reimbursement will be paid in the same currency unless we have previously agreed otherwise in writing. If we agree to reimburse benefits to a member in a different currency, we will send you our written confirmation in advance, with the exchange rate used stated. Any exchange costs incurred will be payable by the member and will be subtracted from any payment made to the member in respect of such a claim. Claims incurred in any other currency will be converted using the spot rates prevailing at the time we assess the claim. We shall not be liable for any bank charges or credit charges. What we expect from you The member must tell us on the claim form if they think any of the cost can be claimed from anyone else or under another insurance policy or source (such as but not limited to any Xxxxxxx’x Compensation policy). If so, then: • if another insurance policy is involved we will only pay for the excess of the amount recovered from such other insurance policy; or • if benefits are claimed for treatment to a member whose injury or medical condition was caused by some other person (the “third party”), we will pay only those benefits the member can claim under the policy (unless these are covered by another insurance policy, when we will only pay our proper share of the benefits). However, in paying those benefits we obtain both through the terms of the policy and by law a right to recover the amount of those benefits from the third party. In this case the following shall apply:

Emergency Treatment. If the treatment requires an emergency admission, the member may not be able to contact us beforehand. Do, however, ask somebody to contact us as soon as possible and make sure that, when the member is admitted to hospital, the hospital is given the member’s membership card and proof of identity so that it can contact us straight away. While you are having treatment In any event, if a member is receiving treatment in any part of our hospital within our international directory of hospitals the member must always identify himself/herself as a member to ensure that his eligible treatment enjoys the advantages of our negotiated rates. Failure to do this may expose you/the member to additional costs which you/the member will have to bear. Please note that AXA HSBC Life reserves the right to recover from you/the member any ineligible expenses it has incurred on behalf of that member under this policy. Members can visit our website at xxx.xxx.xxx.xx xxx.xxxxxxxx.xxx.xx to obtain a printable claim form if they need one or call our Health HSBC Life Customer Care Centre at the number shown on the reverse of your membership card. Members must take a claim form with them (also available from our website) and make sure it is filled in and signed by themselves and the medical practitioner treating such member and send back to us as quickly as possible, giving us all the information we request. Only original receipted invoices can be accepted with your claim. A fully completed claim form will ensure that the claim will be processed promptly. An incomplete or unsigned claim form may delay settlement of the claim and in some cases may lead to the claim form being returned to you/the member for completion. It may be necessary for us to obtain a medical report from the attending medical practitioner. If the medical practitioner does not respond quickly to such a request the claim may be delayed. For treatment where the member is seeking our pre-authorizationauthorisation, such authorization authorisation must be received from us, in writing, prior to treatment commencing. A copy of that authorization authorisation must be included in the member’s subsequent claim. Please note that, for reimbursement claims, we will only consider claims made within ninety (90) days of treatment being received. Any bills, together with your completed claim form, should be sent to: AXA Insurance Pte Ltd HSBC Life (Singapore) Pte. Ltd. 00 Xxxxxx Xxxxxxxxx, Xxxxxx Xxx Financial Centre Tower 0 Xxxxxxx Xxx, #00-00 XXX Xxxxx00, Xxxxxxxxx 000000 Claim reimbursement will be paid in the same currency unless we have previously agreed otherwise in writing. If we agree to reimburse benefits to a member in a different currency, we will send you our written confirmation in advance, with the exchange rate used stated. Any exchange costs incurred will be payable by the member and will be subtracted from any payment made to the member in respect of such a claim. Claims incurred in any other currency will be converted using the spot rates prevailing at the time we assess the claim. What we expect from you The member must tell us on the claim form if they think any of the cost can be claimed from anyone else or under another insurance policy or source (such as but not limited to any Xxxxxxx’x Compensation policy). If so, then: • if another insurance policy is involved we will only pay for the excess of the amount recovered from such other insurance policy; or • if benefits are claimed for treatment to a member whose injury or medical condition was caused by some other person (the “third party”), we will pay only those benefits the member can claim under the policy (unless these are covered by another insurance policy, when we will only pay our proper share of the benefits). However, in paying those benefits we obtain both through the terms of the policy and by law a right to recover the amount of those benefits from the third party. In this case the following shall apply: