Common use of Expert opinion on Critical Illness Clause in Contracts

Expert opinion on Critical Illness. You may choose to secure a second opinion from Our Network of Medical Practitioners, if an Insured Person is diagnosed with the covered Critical Illness during the Policy Period. The expert opinion would be directly sent to the Insured Person. Any claim under this benefit shall not impact Cumulative Bonus. You understand and agree that You can exercise the option to secure an expert opinion, provided: (a) We have received a request from You to exercise this option. (b) That the expert opinion will be based only on the information and documentation provided by the Insured Person that will be shared with the Medical Practitioner (c) This benefit can be availed once by an Insured Person during a Policy Year and once during the lifetime of an Insured Person for the same Illness. (d) This benefit is only a value added service provided by Us and does not deem to substitute the Insured Person’s visit or consultation to an independent Medical Practitioner. (e) The Insured Person is free to choose whether or not to obtain the expert opinion, and if obtained then whether or not to act on it. (f) We shall not, in any event be responsible for any actual or alleged errors or representations made by any Medical Practitioner or in any expert opinion or for any consequence of actions taken or not taken in reliance thereon. (g) The expert opinion under this Policy shall be limited to covered Critical Illnesses and not be valid for any medico legal purposes. (h) We do not assume any liability towards any loss or damage arising out of or in relation to any opinion, advice, prescription, actual or alleged errors, omissions and representations made by the Medical Practitioner. (i) For the purpose of this benefit covered Critical Illnesses shall include – - Cancer of specific severity - First Heart Attack of specified severity - Open Chest CABG - Open Heart Replacement or Repair of Heart Valves - Coma of specified severity - Kidney Failure requiring regular dialysis - Stroke resulting in permanent symptoms - Major Organ/Bone Marrow Transplant - Permanent Paralysis of Limbs - Motor Neurone Disease with permanent symptoms - Multiple Sclerosis with persisting symptoms All Claims under this benefit can be made as per the process defined under Section VII.15.

Expert opinion on Critical Illness. You may choose to secure a second opinion from Our Network of Medical Practitioners, if an Insured Person is diagnosed with the covered Critical Illness during the Policy Period. The expert opinion would be directly sent to the Insured Person. Any claim under this benefit shall not impact Cumulative Bonus. You understand and agree that You can exercise the option to secure an expert opinion, provided: (a) We have received a request from You to exercise this option. (b) That the expert opinion will be based only on the information and documentation provided by the Insured Person that will be shared with the Medical Practitioner (c) This benefit can be availed once by an Insured Person during a Policy Year and once during the lifetime of an Insured Person for the same Illness. (d) This benefit is only a value added service provided by Us and does not deem to substitute the Insured Person’s visit or consultation to an independent Medical Practitioner. (e) The Insured Person is free to choose whether or not to obtain the expert opinion, and if obtained then whether or not to act on it. (f) We shall not, in any event be responsible for any actual or alleged errors or representations made by any Medical Practitioner or in any expert opinion or for any consequence of actions taken or not taken in reliance thereon. (g) The expert opinion under this Policy shall be limited to covered Critical Illnesses and not be valid for any medico legal purposes. (h) We do not assume any liability towards any loss or damage arising out of or in relation to any opinion, advice, prescription, actual or alleged errors, omissions and representations made by the Medical Practitioner. (i) For the purpose of this benefit covered Critical Illnesses shall include – - Cancer of specific severity - First Heart Attack of specified severity - Open Chest CABG - Open Heart Replacement or Repair of Heart Valves - Coma of specified severity - Kidney Failure requiring regular dialysis - Stroke resulting in permanent symptoms - Major Organ/Bone Marrow Transplant - Permanent Paralysis of Limbs - Motor Neurone Disease with permanent symptoms - Multiple Sclerosis with persisting symptoms All Claims under this benefit can be made as per the process defined under Section VII.15.