Page 318 - Ebook health insurance IC27

The Insurance Times

and the cover provided by the Policy Schedule, the table of Benefits, the Membership
Certificate, Member's Guide and Directory of Hospitals and any endorsements or
addenda thereto. All of which are deemed incorporated in this contract."

Or,

"This policy is a contract the Insurance Company (the company), and the policyholder
named in the Certificate of Insurance (the Certificate).

The information provided to the company by or on behalf of the policyholder and/or the
insured members in the application form and any addenda thereto is the basis of this
contract and is deemed to be incorporated herein.

The cover provided shall be determined by reading the rules defined herein together
with the Certificate issued to the policyholder. Any cover not shown in the Certificate is
not provided. Please examine the policy and the Certificate carefully to make sure the
required protection has been provided.

In consideration of the payment of the required premium and upon the receipt of Proof
of Claim, the company will pay the policyholder up to the limits shown on the Schedule
of Benefits for medical or other covered expenses incurred during the period of insurance.

Benefits are payable either to the insured member (at the request of the policyholder) or
to the policyholder, whose official receipt shall be a valid discharge of the company's
liability to pay in respect thereof.

The company's liability is limited in amount to the limits shown on the Schedule of
Benefits. The overall maximum limit stated on the schedule is the maximum amount

322 Guide for Health Insurance