Common use of Second Opinion Clause in Contracts

Second Opinion. In certain cases, the insurance covers consultation with a relevant medical specialist if you: • Have a life-threatening or particularly serious disease or injury. • Are faced with the choice of receiving particularly risky treatment, which may be life-threatening or result in permanent injury. If we consider that you should be offered a second opinion, we will refer you to a relevant medical specialist in the public or private healthcare system. If you are facing a difficult decision or if there is uncer- tainty regarding your diagnosis or form of treatment, we offer advisory consultation with our doctors and nurses by telephone. This also applies if two doctors disagree about your diagnosis or form of treatment (third opinion).

Second Opinion. In certain cases, the insurance covers consultation with a relevant medical specialist if you: • Have a life-threatening or particularly serious disease or injury. • Are faced with the choice of receiving particularly risky treatment, which may be life-threatening or result in permanent injury. If we consider that you should be offered a second opinion, we will refer you to a relevant medical specialist in the public or private healthcare system. If you are facing a difficult decision or if there is uncer- tainty uncertainty regarding your diagnosis or form of treatment, we offer advisory consultation with our doctors and nurses by telephone. This also applies if two doctors disagree about your diagnosis or form of treatment (third opinion).