Why Choose MediRoaming Travel Health Service?

MediRoaming is first of its kind and unique travel health care solution for Non Resident Bangladeshis (thereby NRBs) during their visit to Bangladesh. Together with LabAid group Health Services, MediRoaming offers dedicated Video Telehealth and in person medical care. We have on demand consultation when you need or you can prepare better by subscribing travel cover for the duration of your trip. At MediRoaming, we know how you feel when your kids and family members become unwell, so that we developed a service where you can travel Bangladesh with peace of mind.

The Purpose Of The Product Disclosure Statement (PDS)

The PDS provides information to help you understand this travel health policy, compare cover and make an informed decision about whether to buy a policy. Please read the PDS carefully to ensure it provides the cover you need. If you have any questions please contact us.

The PDS details :

• The benefits - read these together with the options to vary cover;
• Obligations in relation to Your duty of disclosure;
• Definitions of 'words with special meaning' where they are used in the policy and
• What is and isn't covered. When you purchase a policy, keep a copy of this PDS and the Certificate of Insurance we will give you in a safe place for future reference

Money Back Guarantee

You can cancel or change Your policy at any time before You leave Home. If You cancel this policy for any reason within the cooling off period which is within 15 working days (excluding public holidays) of the date of purchase, We will give You Your money back.

Our money back guarantee ensures a refund of the full price unless You have already :

• Made a claim under the policy or
• Departed on Your Journey

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MediRoaming Services for NRBs

This is only a summary of the benefits provided. Please read the PDS carefully to understand what this policy covers. Importantly, please note that conditions, exclusions, limits and sub-limits apply.

Options To Vary Cover

On-Demand Single Consultation :

When you are in Bangladesh, you can book an appointment or consult immediately with a specialist Bangladeshi General Practitioner (GP) from Australia, UK, USA, Canada. You have the option to visit our medical Facility in Dhaka or through video Telehealth consultation. In either case you will have a video consultation with Bangladeshi GP from above mentioned countries. A Bangladeshi local doctor may be, not essentially always will be involved in the consultation.

Travel Cover :

Travel cover is for duration of your travel and pre purchased for situations when you need medical consultations. If you buy Travel cover after arriving in Bangladesh, there will be a waiting period of 72 hours before you can use the services. Travel cover provides numbers of medical consultations, pathology and imaging tests, follow up, 24/7 help line, health concierge and should you need hospital admission and other medical services, Travel cover will assist and coordinate your care.

Family Travel Cover :

Family cover is Travel cover that is for a family of 2 adults and 2 kids (up to the age of 16yrs) at an affordable price. Each member of family cover would enjoy full individual services for Travel cover. Members will be treated as individual policy holders. Services are not interchangeable between the policy holders.

How to see the Doctor

• You can visit the MediRoaming Consult centre located at Gulshan LabAid, Dhaka or
• You can do only Video Telehealth from your location

Generally but not essentially always, a Bangladeshi local doctor will assess you first however you will ALWAYS be consulted by a Specialist Bangladeshi GP from Australia/UK/USA/Canada.

Currency

In Australian/US dollar or equivalent other currency as published in our website

Excess fees - We do not charge any excess fees

Information To Know Before You Buy

Who is MediROaming?

MediRoaming is a joint health care service by Medical Roaming Australia and LabAid group Bangladesh.

Medical Roaming Australia PTY LTD (ABN 676030103) is an initiative by Bangladeshi Doctors around the world and Tech entrepreneurs to help NRBs to receive standard, consistent, reliable health care advices when they travel to Bangladesh.

LabAid Group is renowned Bangladeshi health care services with group of companies in business like health care, pharmaceuticals, financial, education, agros etc. LabAid has 4 hospitals, 30 diagnostic centres and numbers of clinics across the country.

Who is NRB (Non Resident Bangladeshi)

A Non-resident Bangladeshi (NRB) implies a Bangladeshi citizen living abroad with valid status. This could either be as a foreign country's permanent resident, Citizen or with a valid work permit.

Medical conditions and service limitations

MediRoaming provides medical consultations for all age, sex, for new or pre existing medical conditions. However Telehealth may not be appropriate for all situations. We strongly suggest to seek local emergency care for acute medical emergencies like (but not limited to) heart attack, stroke, severe bleeding, life threatening injuries etc. MediRoaming reserves the full rights to decide the type of medical conditions and time of consultations to be provided.

MediRoaming is not travel health insurance.

Medical consultation may only take place if you are physically present in Bangladesh.

You may will need internet connection and electronic devices like smart phone, tablet, laptop, computers for your consultations. It is your responsibility to have these available at the time of consultation.

Additional Policy Information

The iservices We offer You is set out in the PDS and Policy Wording. It is important that You are aware of the :

• limits on the cover provided
• Words With Special Meaning found in the Policy Wording and
• maximum benefit limits shown in the Benefits Table

Change Of Terms And Conditions

From time to time and where permitted by law, We may change parts of the PDS. We will issue You with a new PDS or a Supplementary PDS or other compliant document to update the relevant information except in limited cases.

Your Duty Of Disclosure

You have a legal duty of disclosure to Us whenever You apply for, or change a policy. What You must tell Us You have a general duty to tell Us everything that You know, or could reasonably be expected to know, is relevant to Our Services.

If You do not tell Us If You do not answer Our questions honestly or do not properly disclose to Us, We may refuse to provide service and may refuse to refund or may cancel the policy. If You act fraudulently in answering Our questions or not disclosing to Us, We may refuse to provide service or treat the policy as never having existed.

Your general duty is limited for new policies When You apply for a new policy Your duty of disclosure applies, but You do not need to tell Us something unless We specifically ask You about it. However, You must be honest in answering any questions We ask You. You have a legal duty to tell Us anything You know, and which a reasonable person in Your circumstances would include in answering the questions. We will use the answers in deciding whether to serve You and anyone else who is covered under the same policy, and on what terms.

Who needs to tell Us

It is important that You understand You are disclosing to Us and answering Our questions for Yourself and anyone else You want to be covered by the policy.

Code Of Practice

All Medical consultations and services will be provided by the rules and standard of practices set by BMDC (Bangladesh Medical and Dental Council).

How Various Factors Affect The Amount Payable

We consider a number of factors in calculating the total Amount Payable. The following is a guide on these key factors

Type of policy - Single on demand or Travel Cover

Type of Consultations - Scheduled appointment or Urgent care

Payment method - currency, Credit card fees

Your Privacy

In this Privacy Notice the use of "we", "our" or "us" means MediRoaming Partners and the service providers, unless specified otherwise.

Why Your personal information is collected

We collect Your personal information (including sensitive information) for the purposes of:

• identifying You and conducting necessary checks;
• determining what services or products we can provide to You and/or others;
• issuing, managing and administering services and products provided to You and/or others including claims investigation, handling and payment; and
• improving services and products, e.g. training and development of representatives, product and service research, data analysis and business strategy development. MediRoaming Partners also collects Your personal information for the purpose of providing special offers of other services and products that might be of interest to You.

How Your personal information is collected

We may collect Your personal information through websites from data You, or Your family member/representative, input directly or through cookies and other web analytic tools, via email, by fax, by telephone or in writing. We collect personal information directly from You unless:

• You have consented to collection from someone else
• Tt is unreasonable or impracticable for us to do so or
• the law permits us to collect from someone else. We also collect additional personal information from other third parties to provide You with our services and products. If You provide personal information to us about another person You must only do so with their consent and agree to make them aware of this Privacy Notice.

Who we disclose Your personal information to

We may disclose Your personal information to other parties and service providers for the purposes noted above. The other parties and service providers include:

• LabAid group health services;
• Medical providers
• Our lawyers and other professional advisors
• Our related companies and other representatives or contractors who we have hired to provide services or to monitor the services provided by us or our agents, our products or operations; and/or
• We may need to disclose personal information about You to other parties and service providers, some of whom may be located in overseas countries. Who they are may change from time to time. Generally these recipients will be located in the overseas countries You travelled to over the duration of Your policy and Your claim. These recipients would usually be service providers, such as medical providers, providers of travel related services, investigators, assessors and facilitators or our related entities that carry out services on our behalf in relation to Your policy and Your claim.

We may not always be able to take reasonable steps to ensure that these recipients comply with the Privacy Act. Some of the countries where these recipients are based may not offer the same protection or obligations that are offered by the Act in Australia. By acquiring the services and products from us You agree that You may not be able to seek redress under the Act, or from us and/or from the recipients in overseas countries, or to the extent permitted by law.

Your choices

If You choose not to provide Your personal information and/or choose not to consent and/or withdraw Your consent to the use and disclosure of Your personal information set out in this Privacy Notice at any stage, we may not be able to provide our services or products or manage and administer services and products to You and/or others.

Resolving Complaints

We are committed to resolving Your complaint fairly. If You think We have let You down in any way, or Our service is not what You expect (even if through one of Our representatives), please let Us know so We can put You in contact with someone who can help resolve the complaint.

You can talk to us over the phone or write to us.

We will listen to You, consider the facts and respond to You within 15 working days. If We need more information or more time is needed to respond to Your complaint properly We will contact You to agree an appropriate time frame to respond.

If You are unhappy with Our response, please tell Us.

We will undertake a separate review of the matter. Provided We have them information We need this review will be completed within 15 working days; and

If You are not satisfied with the resolution, then Your complaint will be referred to the Dispute Resolution Officer. We will send You Our final decision within 45 days from the date You first made Your complaint. We expect Our procedures will deal fairly and promptly with Your complaint.

Words With Special Meaning In this PDS

The following words have the following meaning: "We", "Our", "Us" means MediRoaming Pty ltd.

"You", "Your", "Yourself" means the people listed as adults on the subscription and includes Accompanied Children.