General Conditions

1. take all reasonable steps to prevent accidents, loss and damage;
2. on the discovery of any event which may give rise to a claim under this insurance:
   1. notify the Company in writing of this fact as soon as possible, but no later than 30 days from the date of the Accident; and
   2. contact the Medical Claims Helpline in the event of an insured incident which may give rise to a claim under this insurance for any costs likely to exceed to total of US$1,00 before the Insured Person arranges for hospitalization or treatment of any kind, in order to obtain prior authorization; and
   3. furnish the Company with any information that may be required in connection with such a claim (Physician's Statement, policy report, etc.)
3. submit to medical examination as often as may be required in connection with any claim, and agree that necessary medical information is made available to the Company.

If any claim under this Policy is in any respect fraudulent, or if any fraudulent means or devices be used by the Insured and/or an Insured Person or anyone acting on their behalf, to obtain any Benefit under this Policy, or if any bodily Injury be occasioned by willful act or with the connivance of the Insured and/or an Insured Person, this Policy shall be rendered null and void, and all Benefits shall be forfeited.

Applicable Law & Jurisdiction - All claims arising out of this insurance shall be governed by the Laws of Guernsey, Channel Islands, United Kingdom whose courts alone shall have jurisdiction in any dispute hereunder.

Entire contract - Changes - The Policy, the applications and any attachments constitute the entire contract between the Insured Person and the Insurer. No agent may change it in any way. Only an officer of the Insurer can approve a change. Any such change must be shown in, or attached to, the Policy.

Time Limit on Certain Defenses - In the absence of fraud, all statements made by an Insured Person shall be deemed representations and not warranties. No such misstatements will be used by the Company to void the coverage or deny a claim that starts two years after the Certificate effective date, unless contained in a written instrument signed by the Insured Person a copy of which must be furnished to the Insured Person or his beneficiary.

Assignment - No Benefit may be assigned, charged or given by way of security, and the Company will not accept or be affected by any notice of trust, charge, lien, assignment or other dealing with or relating to this Policy.

Beneficiary - The beneficiary is the last person named in writing by the Insured Person and recorded by or on behalf of the Company. The beneficiary can be changed at any time by sending a written notice to the Company. The beneficiary's consent is not required for this or any other change unless the designation of the beneficiary is irrevocable.

Clerical Error - A clerical error in record keeping will not void coverage otherwise validly in force, nor will it continue coverage otherwise validly terminated. Upon discovery of the error an equitable adjustment of premium shall be made.

Policy Termination - The Policy may be terminated by the Insurer giving written notice at least 30 days in advance of such termination. All individuals covered at that time will continue to be covered to the end of the period of coverage for which they enrolled and for which premiums have been paid. Termination of the Policy will not affect any claims that commence prior to the termination.

Conformity with Law - If any provision of the Policy is contrary to any law to which it is subject, such provision is hereby amended to conform thereto.