The Beneficiary must give the Company advance notice of any intended in-patient treatment. This will give the Company the opportunity to advise the Beneficiary whether the costs of the intended in-patient are covered in full under the Policy.

1. The Company may ask the Beneficiary to provide it with such information by the completion of such forms as the Company may require from time to time.

2. For a claim to be payable hereunder, all treatment must be undertaken:
on the referral of the General Practitioner; and given by and under the control of a Specialist for the purpose of curing an Acute Medical Condition.

3. Payment of the Policy Benefits will be made at the discretion of the Company either:
to the Insured or the Member, as the case may be, or
to the person or company who has provided the treatment; or
in the event of the Insured's or Member's death, as the case may be, the Executors of the relative Estate.

4. To qualify for the nursing at home benefit, all home nursing must immediately follow a period of in-patient or day-care hospital treatment covered by the Policy; be approved by a Specialist as being medically necessary; must be for skilled nursing care which would otherwise be provided on an In-patient basis in hospital; must be on a full-time basis (i.e. at least 7 hours a day ); must be given by a qualified nurse under the direction of a Specialist.

5. The policy benefits are only payable for eligible treatment received during the period for which the required premium has been paid.

6. Claims can only be considered for payment once the Beneficiary has provided us with all the necessary information and documentation we require.

7. Invoices for treatment will only be considered for payment providing they are:

- the original documents; and
- sent to us within 3 months of the expense being incurred .

9. The Beneficiary must advise us if any of the Policy Benefits claimed for under the Policy can also be claimed from a third party or under another Insurance Policy.

If the expenses can be claimed under another Insurance Policy, then we will only pay our proportion of the total amount of those expenses which are eligible for payment under this Policy; from a third party, we will pay the Beneficiary, the amount of benefit to which they are entitled. We will then be subrogated of the Beneficiary's right to recover from the third party the amount of benefit we have paid. In these circumstances, the Beneficiary, must

1. tell us as soon as reasonably possible that the expenses being claimed for are due to the fault of a third party and provide us with those details which the Company may require; and,

2. do everything we may reasonably and practically require to ensure that the benefits are recovered from the third party.

Note: Full policy wordings are available on request.

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