SINGLE HEALTH INSURANCE PROVIDERS

The Individual Health Insurance care agreement entered into by the company and the Member named in the contract. The membership applicant signed by the member and any duly authenticated annex, rider or endorsement attached hereto constitute the entire contract between the parties. No statement promise or inducement made by any party, agent or representative, unless contained herein, shall be valid or binding. The contract between the parties shall take effect on the date of issue indicated herein, upon approved by the company health insurance of the membership application and issuance of the health care insurance agreement signed by an authorized official of the insurance company. In consideration of the payment of the contract price and other applicable fees if any, and subject to the terms and conditions stipulated in the agreement. The Health Insurance Company guarantees to provide the health care benefits and other rights and privileges.

The provider has the membership privileges and medical expense benefits at its accredited hospital, clinic, or laboratory to be administered by its accredited physician, specialist or dentist upon the written authorization and under the direction of its medical director or the authorized representative. The member may avail a medical expense benefits or in patient benefits and special procedures, who`s the member suffers an illness or injury. The health insurance company shall provide and/or pay for the actual cost of the following health services. These will cover the hospitalization benefits, emergency care and special diagnostic and laboratory procedures.

The cost of the health insurance company services to be provided and/or pay for the hospitalization, emergency care and special procedures under medical expense benefits shall be accumulated and shall not be allowed to exceed the maximum amounts of coverage. In maximum annual coverage, the amounts are separately for the periods before and after the date of maturity. The maximum amount of coverage for every unrelated illness or injury suffered by the member within each year and the corresponding maximum daily room rate shall depend on the number of units purchased by the member and shall be determined. If the member shall exceed the maximum annual coverage before the date of maturity, the health insurance company shall not pay for or advance the excess. Likewise, if the room chosen by the member has a rate or classification higher than the maximum amount, the company shall not be liable for the difference, any excess, including incremental charges for the other health services resulting from the higher classification, shall be for the account of the member. It shall be the responsibility of the member to settle directly all excess charges before his discharge.

Funding from the equalization pool is distributed to health insurance companies for each person they insure under the required policy. This source helps the single, public entity which would provide health care financing, which in wealthy nations is typically extended to all citizens or legal residents. Health insurance companies are dedicated to helping people achieve health and financial security. In which all health personnel and health facilities, including doctors and hospitals, work for the government and draw salaries from the government.

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