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Overseas Mediclaim Policy Terms & Conditions
Definitions
In the event of any claim/s becoming admissible under this Scheme the Company will pay to the Insured Person the amount of such expenses as would fall under different heads mentioned below and as are reasonably and necessarily incurred thereof by or on behalf of such Insured Person. But not exceeding the Sum Insured in aggregate mentioned in the schedule hereto:
The following definitions apply throughout this insurance :
INSURED PERSON is that person named in the Overseas Mediclaim Policy Schedule, for whom the appropriate premium has been paid.
HERITAGE: is HERITAGE Health Services Privated Limited, who
provides assistance to the insured person whilst in India. Their
registered and head office address is MC Lead House, 3,Netaji,Subhas
Road, Kolkatta - 700 001, Tel:(033)248 2411 Fax:(033)248 0482,E-mail:hftl.calcutta
vsnl.com,The frontline office address is unit 28,Ground Floor,T.V.Industrial
Estate, Hind Cycle Road(Behind Glaxo), Worli, Mumbai - 400 025. India.
Tel:(022)492 6255 Fax:(022)498 0926 E-mail :heritagehealth.vsnl.net.
MERCURYis Mercury International Assistance and Claims Limited who provide
emergency assistance and claims administration services. Their
address is P.O. Box 673, Brighton, Sussex BNI 4EZ, England
MEDICAL ADVISORS are Medical Practitioners appointed by 'Mercury'.
PHYSICIANmeans a person legally qualified to practice in medicine or surgery
including other legally qualified medical practitioner duly licensed
by their respective jurisdiction which person is not a member of the
Insured Person's family.
MEDICAL RELATED EXPENSES REASONABLY AND NECESSARILY INCURRED means
expenses that in the opinion of the treating Physician and Mercury
are medically necessary in order to maintain life and/or relieve immediate
pain or distress for illness/disease/accident first manifested/occurring
during the period of insurance.
PERMANENT TOTAL DISBLEMENT: means a condition wherein the insured
person is permanently,totally and absolutely disabled from engaging
in any employment or occupation of whatsoever description.
LOSS OF EYE means the total and irrecoverable loss of sight
from one or more eyes.
>b>LOSS OF LIMB means the loss of a hand or foot by permanent physical
severance at or above the wrist or ankle including total and permanent
loss of use of a hand or foot.
CHECKED BAGGAGE means the baggage handed
by the Insured Person and accepted by an Airline for an International
flight for transportation in the same aircraft as the Insured Person
and for which the airline has provided a baggage receipt.
VALUABLESmeans photographic, audio, video, computer, telecommunications and
electrical equipment, telescopes, binoculars, spectacles, sunglasses,
antiques, watches, jewellery, furs and articles made of precious stones
and metals.
Period of Insurance
This insurance is valid from the First Day of Insurance and expires on
the last day of the number of days specified in the Overseas Mediclaim
Policy schedule or on return to India whichever is earlier.
Extension of the period of insurance is automatic for the period not exceeding
7 days, and without extra charge, if necessitated by delay of public
transport services beyond the control of the Insured person.
When injury/illness/accident covered under this policy is contracted during
the policy period and treatment for same commences during the policy
period and continues beyond the expiry date of this policy, only emergency
expenses would be paid up to 45 days from the date of expiry of the
policy provided the insured is medically incapable to travel. 'Mercury'
must be notified immediately as soon as it is known that insured is
unfit to return to India. If any new illness/injury/accident is contracted
beyond the expiry date of the policy, treatment for same would not
be covered.
General Conditions Applicable to all Sections
The conditions below apply throughout this insurance. Failure to comply
with them maybe prejudicial to a claim.
The policy will be valid only if the insured journey commences
within 14 days of the First Day of Insurance as indicated in the
policy schedule. Cancellation of the policy may be done ONLY in cases where a journey is not
undertaken and ONLY on production the Insured person's PASSPORT
as a proof that the journey has not been undertaken. Any request
for cancellation will be entertained not less than 14 days after
the First Day of Insurance as indicated in the policy schedule.
Such cancellation will be subject to deduction of cancellation
charges by the underwriters as applicable.
It is a condition precedent to liability hereunder that in the event
of any occurrence likely to give rise to a claim under this insurance,
that the insured person, or his representative, must notify 'Mercury'
immediately. The insured person or his representative should quote
to 'Mercury' as much information concerning the illness, accident
or occurrence as is available, including the name of the treating
doctor, name and telephone number of the hospital, the OMP policy
number and it's date of issue. For non-emergency claims 'Mercury'
should be contacted upon return to the Republic of India and a claim
form obtained. This document, together with invoices, travel documents
and any other relevant details must be sent to 'Mercury', clearly
stating under which section of this policy a claim is being made.
Please note that if medical treatment has been received, medical certificates
showing the nature of the injury or illness together with all bills,
and receipts if already paid should be forwarded to 'Mercury'. In
no event should a claim be notified to 'Mercury' later than 31 days
after the end of an insured trip.
Insurers shall be fully and completely subrogated to the rights of the insured
person against parties who may be liable to provide indemnity or make
a contribution in respect of any matter which is the subject of a
claim under this insurance. The insured person further agrees to co-operate
fully with insurers in seeking such indemnity or contribution including
where appropriate insurers instituting proceedings at their own expense
against such parties in the name of the insured person.
The insurers may require the insured person to furnish at his own expense
all certificates, information, proofs or other evidence of claims.
The insurers may approach any physician who may have treated the insured
person, and the insured person must co-operate in this respect.
No person shall admit liability or make any offer or promise of payment without
the express written consent of the insurers.
The insured person shall take all reasonable and proper care to safeguard
against accident or illness or loss of or damage to his property,
as if this insurance was not in force. Failure to do so will prejudice
the insured person's position under this insurance.
The insured person may not transfer his interest in this insurance. However,
the legal representatives of the insured person shall have the right
to act for the insured person who is incapacitated or deceased.
This insurance does not operate beyond a period of 180 days continuous
absence from the Republic of India specifically agreed by insurers.
This policy and the Overseas Mediclaim Policy Schedule shall be read together
as one contract and any wording or expression to which a specific
meaning has been attached in any part of the Overseas Mediclaim Policy
and Schedule shall bear such specific meaning wherever it may appear.
Dispute resolution clause and procedure:
This contract of insurance includes the following dispute resolution
procedure which is exclusive and a material part of this Contract
of Insurance.
Nature of Coverage: This policy is not a general health insurance
policy. Coverage under the medical expense section of this insurance
is intended for use by the Insured person in the event of a sudden
and unexpected sickness or accident arising when the Insured is
outside the Republic of India.
Pre-existing Exclusion: This Policy is not designed to provide
an indemnity in respect of medical services, the need for which
arises out of a pre-existing condition.
Pre-existing Condition: Any sickness for which the insured person
has sought medical advice or has taken medical treatment in the
preceding 12 months prior to the commencement of travel.
Prior Consultation: Any medical services or series of services
with a cost of greater than US$ 100 shall not be covered by this
policy unless the Insured person consults with 'Mercury' in the
manner set out in the important condition number 1.
Choice of Law: The parties to this insurance policy expressly
agree that the laws of the Republic of India shall govern the
validity, construction, interpretation and affect of this policy.
Arbitration: Any claim, controversy or dispute of any kind or nature arising out
of or relating to this Contract on Insurance or breach thereof, or
to the construction, existance, interpretation, meaning or validity
thereof or to the operation or performance thereunder, involving any
of the parties, or anyone claiming the rights of any party to this
contract shall be by arbitration in the Republic of India in accordance
with the provisions of the Indian Arbitration Act, 1940 as amended
from time to time and for the time being in force, and it is the intent
and purpose of the parties hereto, to make the submission to arbitration
or any dispute or controversy arising out of this condition precedent
to any legal or equitable action or proceeding of any nature.
Any claim under this Policy that is fraudulent, or if fraudulent means
are used to secure payment of benefits under this policy, then such
action shall render this policy null and void and all claims hereunder
shall be forfeited.
No sum payable under this policy shall carry interest.
In the event of the insured person's death, Insurers shall have the right
to carry out a post mortem at their expenses.
Any claim which has not been conclusively proven and the amount thereof
substantiated shall not be payable.
General Exclusions Applicable to all Sections
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No claim will be paid where the Insured Person :
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is travelling against the advice of a Physician; or
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is receiving or on a waiting list for specified medical treatment
declared in the Physician's report or certificate; or
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is travelling for the purpose of obtaining treatment; or
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has received a terminal prognosis for a medical condition.
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No claim will be paid arising from suicide, attempted suicide or wilfully
self inflicted injury or illness, mental disorder, anxiety, stress
of depression, venereal disease, alcoholism, drunkenness or the
abuse of drugs, or any loss arising directly or indirectly from
any injury, illness, death, loss, expense, or other liability attributable
to HIV (Human Immunodeficiency Virus) and/or any HIV related illness
including AIDS (Acquired Immune Deficiency Syndrome) and/or any
mutant erivative or variation there of however caused.
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No claim will be paid arising from the Insured Person taking part in
Naval, Military or Air force operations.
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No claim will be paid arising from War, invasion, acts of foreign enemy,
hostilities (Whether war be declared or not), civil war, rebellion,
revolution, insurrection, military or usurped power or confiscation
or nationalisation or requisition of or destruction of or damage
to property by or under the order of any government or local authority.
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This insurance does not cover any claim arising from the loss or destruction
or damage to any property whatsoever or any loss or expenses whatsoever
resulting or arising there from or any consequential loss directly
or indirectly caused by or contributed to by or arising from
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ionising radiation or contamination by radioactivity from any nuclear
waste from the combustion of nuclear fuel; or
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the radioactive, toxic, explosive or other hazardous properties
of any explosive nuclear assembly or nuclear component thereof.
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No claim will be paid which arises from the Insured Person engaging
in Air Travel unless he or she flies as a passenger on an aircraft
properly licensed to carry passengers. For the purpose of this exclusion,
Air Travel means being in or on, or boarding an aircraft for the
purpose of flying therein or alighting there from following a flight.
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No claim will be paid arising from the participation of the Insured
Person in winter sports, mountaineering (where ropes or guides are
customarily used), riding or driving in races or rallies, caving
or potholing, hunting or equestrian, skin diving or other underwater
activity, rafting or canoeing involving white water rapids, yachting
or boating outside coastal waters (2miles),further no claim will
be paide in case Inusured
Person participates in professional sports or any other hazardous
sports unless specifically covered as an
extension of the policy.
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professional sports or any other hazardous or potentially dangerous sport for
which the Insured Person is either untrained, not physically fit
or using improper equipment.
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No claim will be paid for losses arising from accidents on two wheeled
motorised vehicles unless at the time of the accident the driver
is duly qualified, is in possession of a current full International
driving license and the driver is wearing a safety crash helmet,
or losses arising from accidents on two wheeled motorised vehicles
over 50cc.
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No claims will be paid for losses arising directly or indirectly from
manual work or hazardous occupation, self-exposure to needless peril
(except in an attempt to save human life), or if engaging in any
criminal or illegal act.
SECTION-A Personal Accident
The insurance will pay as hereinafter mentioned:
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If at any time during the covered trip, the insured person shall sustain
any bodily injury resulting soleley and directly from accident caused by
violent and visible means, then the insured person or his legal personal representative(s), as the
case may be will be paid, the capital mentioned against Personal Accident
in the Schedule of this policy,if such injury shall within twelve calendar months of occurance be the
sole and direct cause of:
death of the insured person.
- permanent Total Disablement (as defined in the policy)of the insured person.
- total and irrecoverable loss of both eye or two limbs or of one eye and one
limb.
Provided always that the policy will not pay under more than one of the foregoing sub clauses in respect of the same accident. No claim will be paid for
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More than US$ 2,000 in respect of death if the insured person's age is
under 16 age to be calculated at the time of effecting this insurance.
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Any claim in excess of the amount stated in the Schedule in respect
of any one Insured Person.
SECTION-B Medical Expenses and Repatriation
Nature of Coverage:
This policy is not a general health insurance policy. Coverage
under the medical expense section of this insurance is intended by the Insured
person in the eventof a sudden and unexpected sickness or accident arising
when the insured person is outside the Republic of India.This
insurance will pay up to the limit of cover shown in the Schedule in
total for the Insured Person in respect of covered medical related expenses,
reasonably and necessarily incurred outside the Republic of India by
the Insured Person suffering bodily injury, sickness, disease or death
during the period of Insurance.
Notwithstanding the above, if 'Mercury' recommends that continued treatment
in India is appropriate, the policy is extended to cover medical expenses
incurred in India as specified in covered expenses described below,
provided that expenses will only be paid at the usual and customery
level for such services, and further provided that expenses will only
be paid for treatment incurred within the 90 day period immediately
following the first manifestation of the bodily injury, sickness or
disease.
Covered Expenses:
The following are payable only if the expenses relats to covered sickness/injury/disease or death.
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Expenses for physician services, hospital and medical services and local
emergency medical transportation.
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Up to US$ 225 per occurrence for dental services for the immediate
relief of dental pain only. However, dental care rendered necessary
as a result of a covered accident shall be subject to the limit
of cover and deductible stated in the policy schedule.
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Expenses for physician ordered emergency medical evacuation, including medically
appropriate transportation and necessary medical care en route,
to the nearest suitable hospital when the Insured Person is critically
ill or injured and no suitable local care is available, subject
to the prior approval of the Medical Advisors. In extreme emergencies
in remote areas where Mercury cannot be contacted, the medical evacuation
must be reported to the first available physician and the nearest
Indian Consulate.
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Expenses for medical evacuation, including transportation and medical care
en route to a hospital in the Republic of India or the Insured Person's
normal place of residence in the Republic of India when deemed medically
advisable by the Medical Advisors and the attending physician.
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If the Insured Person dies outside the Republic of India, the expenses
for preparing the air transportation of the remains for repatriation
to the Republic of India or up to an equivalent amount for a local
burial or cremation in the country where the death occurred. All
expenses must be approved by Mercury before the remains are prepared
for transportation to the Republic of India or for local burial
or cremation
Specific Conditions:- (Applicable to Section - A Medical expenses and repartriation)
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Medical,dental and transportation related claims will not be paid except
at the usual customary and reasonable level of charges for such
services;
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All medical evacuation or transportation of remains must be approved
in advance by 'Mercury' and their Medical Advisors.
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No claim will be paid in respect of expenses for treatment which could
reasonably be delayed until the Insured Person's return to the Republic
of India. The question of what can or what cannot be reasonably
delayed will be decided jointly by the treating physician and the
Medical Advisors.
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No claims will be paid that is less than the deductible stated in the
Schedule. The deductible shall apply to each insured event and shall
be borne by the Insured Person.
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No claim in respect of cosmetic surgery will be paid, unless such cosmetic
surgery is rendered necessary as a result of a covered accident.
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No claims will be paid in respect of routine physical examination or
any other examination where there is no objective indication of
impairment of normal health.
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No claim will be paid in respect of medical treatment and related services
obtained within the Republic of India except as stated under Covered
Expenses.
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The insurance will not cover pregnancy of the Insured Person including
resulting childbirth, miscarriage, abortion or complication of any
of these.
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Restricted Cover: In the event that the proposer is unable to present himself
or herself for medical examination where called for by the Insurance
Company, the limit of indemnity under this insurance is reduced
to US$ 10000 in respect of and limited to the expenses for physician
services, hospital physician and medical services and local emergency
transportation. Such limit applies to medical expenses incurred
through illness or disease only.
SECTION-C Loss of Checked Baggage
This insurance will pay up to the limit of cover shown in the Schedule
in the event of the insured Person suffering a total loss of Baggage
that has been checked by an International Airline for an International
flight. The insurers reserve the right to replace or pay the intrinsic
value of any lost article.
Specific Conditions:
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The amount payable in respect of any one article, pair or set is limited
to the amount stated in the Schedule.
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In the event of loss of property whilst in the custody of an airline,
a Property Irregularity Report (PIR) must be obtained from the
airline immediately upon discovering the loss which must be submitted
to 'Mercury' in the event of a claim hereunder.
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No partial loss or damage shall become payable. However, total loss
or damage of an individual unit(s) of baggage shall not be construed
as falling within this exclusion.
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No claim will be paid for items valued in excess of US $ 100 without
proof of ownership. Such proof shall be presented to Mercury in
the event of a claim hereunder.
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No claim will be paid for valuable items as defined. Such items should
at all times be carried by the Insured Person and not packed as
part of checked baggage.
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Any recovery from an airline under the terms of the Warsaw Convention
shall become the property of insurers.
SECTION-D Delay of Checked Baggage
This insurance will pay up to the limit of cover shown in the Schedule
for the necessary emergency purchase of replacement items in the event
that the Insured Person suffers a delay of more than 12 hours from
the scheduled arrival time at the destination for delivery of Baggage
that has been checked by an International Airline for an International
outbound flight from the Republic of India.
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A non-delivery certificate must be obtained immediately from the
airline which must be submitted to 'Mercury' in the event of a
claim hereunder.
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Proof of purchase must be provided for all items reimbursed under this
section.
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Any payment under section D shall be offset against any claim ultimately
payable under section C.
SECTION-E Loss of Passport
In the event of the Insured Person losing their Passport, this insurance
will pay up to the limit of cover shown in the Schedule for the
reimbursement of actual expenses necessarily and reasonably incurred
by the Insured Person in connection with obtaining a duplicate or
fresh passport.
No claim will be paid that is less than the deductible stated in
the Schedule. The deductible shall apply to each insured event and
shall be borne by the Insured Person.
No claims shall be paid for :
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Loss or damage to passport due to delay or from confiscation or detention
by customs, police or other authority.
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Theft which is not reported to any appropriate police authority within
24 hours of discovery and an official report obtained.
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Loss or theft of passport left unattended by the Insured Person unless
located in a locked hotel room or apartment and an appropriate
sized safety deposit box was not available for use by the Insured
Person.
SECTION-F Personal Liability
This insurance will pay up to the limit of cover shown in the Schedule
if the Insured Person in his or her private capacity becomes legally
liable to pay for accidental bodily injury to Third Parties or accidental
damage to Third Party Properties, arising from an incident during
the covered trip.
Specific Conditions:
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No claims will be paid that is less than the deductible stated
in the schedule. The deductible shall apply to each insured
event and shall be borne by the Insured Person. However, the
deductible shall only apply to claims in respect of Third Party
Property Damage.
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No claims shall be paid arising from Employers or Contractual Liability.
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No claims shall be paid arising from liability to any members of
the Insured Person's family, travelling companion, friend or
colleague.
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No claims shall be paid for any liability arising directly or indirectly
from or due to :
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animals belonging to the Insured Person or in their care, custody
or control
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any wilful, malicious or unlawful act
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pursuit of a trade, business or profession, employment or occupation
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ownership,possession or use of vehicles, aircraft, watercraft, parachuting,
handgliding, hot air ballooning or use of firearms
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legal costs of any proceedings that result from any criminal or
illegal act
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insanity,the use of any alcohol, drugs (except as medically prescribed)
or drug addiction
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the supply of goods or services
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any form of ownership or occupation of land or buildings (other
than occupation only of any temporary residence).
Mandatory
This insurance will pay up to the limit of cover shown in the Schedule
if the Insured Person in his or her private capacity becomes legally
liable to pay for accidental bodily injury to Third Parties or accidental
damage to Third Party Properties, arising from an incident during
the covered trip.
PLEASE MAKE SURE YOU READ AND FULLY UNDERSTAND THIS DOCUMENT BEFORE
YOU TRAVEL FROM THE REPUBLIC OF INDIA. FAILURE TO FOLLOW THE
INSTRUCTIONS GIVEN COUND RESULT IN REJECTION OF ANY CLAIM THAT MIGHT
BE MADE.
THE OVERSEAS MEDICLAIM POLICY PROVIDES INDEMNITY FOR EXPENSES INCURRED
FOR MEDICAL TREATMENT FOR ILLNESS, DISEASES CONTRACTED OR INJURY
SUSTAINED DURING OVERSEAS TRAVEL AND WHICH IS NECESSARY TO BE UNDERTAKEN
IMMEDIATELY.WITHOUT WHICH THE INSURED IS NOT ABLE TO LEAVE THE OVERSEAS
COUNTRY UNDER MEDICAL ADVICE, PERSONAL ACCIDENT COVER. LOSS
OF PASSPORT,LOSS OF PASSPORT, LOSS OF BAGGAGE, DELAYED BAGGAGE AND PERSNAL LIABILITY.
NEITHER THE INSURERS NOR 'CORIS SHALL BE RESPONSIBLE FOR THE AVAILABILITY,
QUALITY OR RESULTS OF ANY MEDICAL TREATMENT OR THE FAILURE OF THE
INSURED TO OBTAIN MEDICAL TREATMENT.
IN THE EVENT THAT THE PROPOSER IS UNABLE TO PRESENT HIMSELF FOR MEDICAL
EXAMINATION WHERE CALLED FOR BY THE INSURANCE COMPANY, THE LIMIT
OF INDEMNITY UNDER THIS INSURANCE IS REDUCED TO US$ 10,000 IN RESPECT
OF AND LIMITED TO THE EXPENSES FOR PHYSICIAN SERVICE, HOSPITAL PHYSICIAN,
AND MEDICAL SERVICES AND LOCAL EMERGENCY TRANSPORTATION. SUCH
LIMIT APPLIED TO MEDICAL EXPENSES INCURRED THEROUGH ILLNESS OR DISEASE
ONLY.
THE PERSON NAMED IN THE OVERRSEAS MEDICALAM POLICY SCHEDULE IS THE PERSON
INSURED BY THIS POLICY IT HAS BEEN ISSUED BY UNITED INDIA INSURANCE
COMPANY LIMITED AND PROVIDES COVER AGAINST PHYSICIAN, HOSPITAL
EXPENSES AND OTHER SPECIFIED MEDICAL RELATED EXPENSES INCURRED OUTSIDE
THE REPUBLIC OF INDIA
THE LIMIT OF COVER IS AS SPECIFIED ABOVE/OVERLEAF AS IS APPROPRIATE
AND IS SUBJECT TO THE STATED "DEDUCTIBLE" THE COVER IS
SUBJECT TO CERTAIN CONDITIONS AND EXCLUSIONS WHICH ARE FULLY SET
OUT IN THIS POLICY.
IN THE EVENT THE COST OF THE TREATMENT IS LESS THAN THE DEDUCTIBLE,
PLEASE OBTAIN PAYMENT DIRECT FROM THE PATIENT
IN THE EVENT THE COST IS GREATER THAN THE DEDUCTIBLE, PLEASE VERIFY
COVERAGE BY:
A)
OBTAINING PERSONAL IDENTIFICATION - PASSPORT FROM PATIENT
AND
B) CONTACTING
CORIS INTERNATIONAL who provides emergency assistance and claims
and mini stration sertivces, Their address is 8, Rue Auber,
75009 Paris, FRANCE. TEL: +33(0)141 61 23 07,FAX:+(0) 142 66 26 90. E-mail: ops@coris.fr
CLAIM INSTRUCTIONS
CALL FOR EMERGENCY ASSISTANCE
IT IS A CONDITION PRECEDENT TO LIABILITY HEREUNDER THAT IN THE EVENT
THAT AN INSURED PERSON SUFFERS SERIOUS ILLNESS OR INJURY OR IS IN
ANY EVENT TO BE HOSPITALISED THE INSURED PERSON OR HIS REPRESENTATVIE
MUST CONTACT CORIS OR INJURY OR ISIN ANY EVENT TO BE HOSPITALISED
THE INSURED PERSON OR HIS REPRESENTATIVE MUST CONTACT CORIS IMMEDIATELY
FOR EMERGENCY ASSISTANCE OR ADVICE THE INSURED PERSON OR HIS REPRESENTATIVE
SHOULD QUOTE TO 'CORIS' AS MUCH INFORMATION CONCERNING THE ILLNESS
OR ACCIDENT AS IS AVAILABLE, INCLUDING THE NAME OF THE TREATING
DOCTOR, NAME AND TELEPHONE NUMBER OF THE HOSPITAL, THE COMPLETE
OVERSEAS MEDICLAIM POLICY NUMBER IN FULL AND ITS DATE OF ISSUE.
CLAIMS:
Notwithstanding anything contained herein stated to the contrary it is hereby agreed
and declared that wherever the term and expression M/s. Mercury
appears it should be read / replaced by M/s. Coris International
and address of Coris International is as under:
Coris
International,
8, Rue Auber, 75009 Paris, France,
Tel: +33(0) 1 41 61 23 07
Fax: +33(0) 1 42 66 26 90
Email:ops@coris.fr
scope of Cover:Western, Central and eastern Europe,
Africa
Coris UK
15-17 Jockey's Fields
WCIR 4BW, LONDON,
Tel: 44 1252 740 310
Fax: 44 1252 740 110
Email:job@inter-group.co.uk
Scoe of Cover: UK and Ireland
Emergency
Phone No.33(0(1 41 61 23 07)Paris,France
Coris America
6710 Main St., suite # 234
Miami Lakes, FL33014
Toll Free number: (USA) 1877 536 7264
Fax: 1 305 371 5693
Email:corisusa@ao.com
Scope of Cover: Canada, Central and South America
It is further agreed and declared that wherever the term or expression
M/s . Tower Assistance / Tower Mumbai appears, it shall be reeplaed
by M/s. HERITAGE HEALTH SERVICES PVT LTD. who will provide asistant
to the insured person whilst in India through their Office siturated
at the following address:-
Mumbai Front Office
Unit 28, Ground Floor,
T.V. Industrail Estate, (Behind Glaxo)
Hind Cycle Road,
Worli, Mumbai - 400 025.
Tel: ++91 22 492 6225
Fax: ++91 22 498 0926
Email:heritagehealth@vsnl.net
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