Optional Benefit 2:International Second Opinion Clause Samples

Optional Benefit 2:International Second Opinion. In the event that the Insured Person is diagnosed with any Major Illness / Injury during the Policy Year, then at the Policyholder’s / Insured Person’s request, the Company shall arrange for a Second Opinion from a Medical Practitioner anywhere in the world It is agreed and understood that the International Second Opinion will be based only on the information and documentation provided to the Company which will be shared with the Medical Practitioner and is subject to the conditions specified below: (i) This Benefit can be availed only once by an Insured Person during the Policy Year; (ii) The Insured Person is free to choose whether or not to obtain the Second Opinion and, if obtained under this Benefit, then whether or not to act on it; (iii) This Benefit is for additional information purposes only and does not and should not be deemed to substitute the Insured Person’s visit or consultation to an independent Medical Practitioner. (iv) The Company does not provide a Second Opinion or make any representation as to the adequacy or accuracy of the same, the Insured Person’s or any other person’s reliance on the same or the use to which the Second Opinion is put. (v) The Company does not assume any liability for and shall not be responsible for any actual or alleged errors, omissions or representations made by any Medical Practitioner or in any Second Opinion or for any consequences of actions taken or not taken in reliance thereon. (vi) The Policyholder or Insured Person shall hold the Company harmless for any loss or damage caused by or arising out of or in relation to any opinion, advice, prescription, actual or alleged errors, omissions or representations made by the Medical Practitioner or for any consequences of any action taken or not taken in reliance thereon. (vii) Any Second Opinion provided under this Benefit shall not be valid for any medico-legal purposes. (viii) The Second Opinion does not entitle the Insured Person to any consultation from or further opinions from that Medical Practitioner. (ix) For the purpose of this Benefit only: Major Illness / Injury means one of the following only: 1. Benign Brain Tumor 2. Cancer 3. End Stage Lung Failure 4. Myocardial Infarction 5. Coronary Artery Bypass Graft 6. Heart Valve Replacement