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 Identifying yourself as an AXA member 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. Claim forms for reimbursement claims 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. Where to send your claims 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 Currency 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 is given as an emergency admission, the member then you may not be able to contact us beforehand. Do, Do however, ask somebody to contact us as soon as possible and make sure that, when the member is you are admitted to hospital, the hospital is given the member’s your membership card details and proof of identity so that it they can contact us straight away. While Paying claims for out-patient treatment If you are having have out-patient treatment, most providers will ask you to pay for your treatment Identifying yourself as an AXA member and then make your claim to us. In any eventthis case, 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 you will need 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. Claim forms for reimbursement claims 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 complete a claim form and return this to us along with them (also available a legally issued itemised invoice and receipt of payment. We will make payment to you for the cost of any eligible treatment. If your treatment or part of it is deemed ineligible, we will not reimburse those costs. The information required when you make a claim When you want to make a claim let us know and we will send you a claim form, or you can download this from our website) and xxxxx://xxx.xxxxxxxxxxxxx.xxx.xx/useful_forms You must make sure it the claim form is filled in fully completed and signed by themselves the attending physician and the medical practitioner treating such member Patient’s declaration 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 consent (section 4) fully completed claim form will ensure that and signed by yourselves. If you fail to do so, we have the right not to process the claim will be processed promptlyuntil we receive your declaration and consent. An incomplete or unsigned U connect - your easiest way to claim form may delay settlement of the You can also upload your claim documents through xxxxx://xxxxxxxx.xxxxxxx.xxx.xx/en/login. U connect is a web tool where our clients can create an account 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 claimupload their claims electronically anywhere at any time. Please note that, for reimbursement claims, we will note: We only consider claims made within ninety (90) 90 days of treatment being received. Where If we need more detailed information, we may request it in the following ways: • We may need your medical practitioner to send us more details about your claims Any bills, together with medical condition. Your medical practitioner may charge you for providing this information. This charge is not covered under your completed claim form, should be sent to: AXA Insurance Pte Ltd 0 Xxxxxxx Xxx, #00-00 XXX Xxxxx, Xxxxxxxxx 000000 Currency Your premiums are payable in Singapore Dollarspolicy. Claim reimbursement will be paid in the same currency unless we • We may have previously agreed otherwise in writing. If we agree to reimburse benefits ask a medical practitioner 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 advise us on the claim form if they think any of the cost can be claimed from anyone else medical facts or under another insurance policy or source (such as but not limited to any Xxxxxxx’x Compensation policy)examine you. 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”)In these cases, we will pay only those benefits for the member can medical practitioner. If you do not give us information we ask for, we may not be able to assess your claim under the policy (unless these are covered by another insurance policy, when we will only and so may not be able to pay our proper share of the benefits)it. 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 Please note: We do not accept invoices from the third party. In this case the following shall apply:medical services agencies.

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 Identifying yourself as an AXA HSBC Life member 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. Claim forms for reimbursement claims 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. We do not pay for medical reportsmedicalreports. 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. Where to send your claims 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 Currency 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 Identifying yourself as an AXA member 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. Claim forms for reimbursement claims 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. 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. Where to send your claims 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 Currency 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: