MEMBER TERMS AND CONDITIONS

PLEASE READ THESE MEMBER TERMS AND CONDITIONS CAREFULLY BEFORE ENROLLING AS A MEMBER.

MEMBER BENEFITS ARE MADE AVAILABLE ON THE BASIS OF THESE MEMBER TERMS AND CONDITIONS.

YOUR ENROLLMENT AS A MEMBER, INCLUDING WITHOUT LIMITATION, PAYMENT OF THE APPLICABLE MEMBERSHIP FEE, SIGNIFIES YOUR ACCEPTANCE OF THESE MEMBER TERMS AND CONDITIONS.

You must review this page periodically to review the Member Terms and Conditions because they govern the relationship between Navigate Health International (“Navigate”) and you.  Navigate may modify these Terms and Conditions at any time at its discretion by updating this posting.

Parties:

These Member Terms and Conditions constitute a binding legal agreement between Navigate and you ("Member" or "you") upon your acceptance of these terms and conditions by enrolling in Navigate's service ("Service" as further described below).  Navigate's obligations to you are conditioned on your payment of the appropriate fee.

Description of Service:

Navigate will provide you, an English-speaking Member, with the Service, which means medical care coordination services, including related translation services, while you are living in or visiting Florence, Italy.  The Service consists of the following elements, provided by staff including U.S.-trained and licensed medical staff, which may be accessed via telephone 24 hours a day, 7 days a week:

1. Emergency assistance

Emergency assistance is provided within the city of Florence or within 20 kilometers of the city of Florence (the “Service Area”).

• In-person coordination services for medical emergencies
  

• Logistical coordination of emergency-related care
  

• Assistance with communicating with family members, relatives, friends, and educational institution(s), as applicable, about your condition and about treatment and transportation options presented by treating clinicians
  

• Assistance with making emergency travel arrangements for family members
  

• Coordination of post-hospital care
  

• Assistance with insurance claims and billing
  

• Legal referrals
  

Assistance in case of emergency outside the Service Area

If you are in need of assistance as a hospital inpatient, admitted on an emergency basis, in Tuscany, but outside of the Service Area, we will provide coordination and other assistance as outlined above, except that such services shall be provided by telephone.  In-person services shall be provided within 48 hours, if needed.

If you are in need of assistance in a hospital elsewhere in Italy, outside of the Service Area, admitted on an emergency basis, our services shall be limited to arranging for (1) a transfer to a hospital in Florence (and thereafter services will be provided as in the case of a hospital admission in Florence) or (2) a medical evacuation to your home country, and, in either case, communicating with family members, relatives, friends, and educational institution(s), as applicable, about your condition and about treatment and transportation options presented by treating clinicians.

2. Non-emergency assistance

Non-emergency assistance is provided within the city of Florence only.

• Recommendations of local primary care and specialist physicians
  

• Assistance with making medical appointments
  

• Personal accompaniment to medical visits
  

• Translation of critical medical records
  

Navigate is not a health care provider, transportation services provider or an insurance company

NAVIGATE DOES NOT PROVIDE, OFFER OR PAY FOR HEALTH CARE SERVICES, HEALTH INSURANCE, TRAVEL INSURANCE OR MEDICAL TRANSPORTATION SERVICES.  MEMBER, ON MEMBER’S BEHALF AND ON BEHALF OF ANY PARTY CLAIMING UNDER MEMBER, RELEASES NAVIGATE FROM ANY AND ALL POTENTIAL RESPONSIBILITY OR LIABILITY RELATING TO OR ARISING FROM MEMBER’S NEED FOR OR USE OF HEALTH CARE SERVICES, HEALTH INSURANCE, TRAVEL INSURANCE AND/OR MEDICAL TRANSPORTATION SERVICES.

3. Pre-existing Conditions

If a member purchases a plan with the knowledge of having a pre-existing condition which is certain to require two (2) or more accompanied standard medical visits (e.g. pregnancy, dialysis, etc.), said member is responsible for paying a language accompaniment fee for any appointments made after the first appointment with non-English-speaking physicians. Language accompaniment fees vary from 15-20 Euro per hour and are payable directly to the interpreter. Care coordination (appointment-making, consultations with Medical Director, and all assistance relating to an emergency) is covered by the member fee and will incur a zero cost.

TAXES: The end user is responsible for any and all applicable sales tax obligations.

Privacy statement:

As an essential part of our commitment to you, Navigate maintains the privacy of personally identifiable health information (“Health Information”) about you which is released to us (e.g., in the course of our providing services to you while in Florence), in accordance with applicable law.  For purposes of the Privacy portion of the Terms and Conditions “you” and “your” refer to an individual who has become a Navigate member.

These terms and conditions outline our privacy practices with respect to your Health Information, and also lets you know, among other things, how Navigate may use and disclose Health Information about you, and how you may request restrictions on our use and disclosure of your Health Information.

Uses and Disclosures of Health Information: Navigate may use Health Information in order to facilitate treatment by health care providers, payment, transportation, and/or and communication with you, your family, relatives, friends and other individuals involved in your care (including, for example, representatives of your educational institutions(s) if your travel to the Florence area is as a visiting student), in most cases without any further written permission.

Use and Disclosure of Health Information Without Your Authorization: Navigate may use or release Health Information without your further written authorization, or opportunity to object in certain situations, including:

• For Navigate's use in facilitating your treatment by health care providers, payment for treatment, transportation, and/or and communication with you, your family, relatives, friends and other individuals involved in your care;
  

• To a health care provider or other entity for the treatment, health care operations or payment activities of the provider or entity that receives the information (such as a hospital or insurance company); 
  

• For health care fraud and abuse detection or for activities related to compliance with the law;
  

• To a family member, other relative, or close personal friend or other individual involved in your care (including, for example, representatives of your educational institutions(s) if your travel to the Florence area is as a visiting student); 
  

• For judicial and administrative proceedings as required by a court or administrative order, or in some cases in response to a subpoena or other legal process;
  

• For law enforcement activities in limited situations, such as when there is a warrant for the request, or when the information is needed to locate a suspect or stop a crime;
  

• For military, national defense and security and other special government functions;
  

• To avert a serious threat to the health and safety of a person or the public at large;
  

• For workers’ compensation purposes, and in compliance with workers’ compensation laws;
  

• To coroners, medical examiners, and funeral directors for identifying a deceased person, determining cause of death, or carrying on their duties as authorized by law;
  

• If you are an organ donor, we may release Health Information to organizations that handle organ procurement or organ, eye or tissue transplantation or to an organ donation bank, as necessary to facilitate organ donation and transplantation;
  

• For research projects, but this will be subject to strict oversight and approvals and Health Information will be released only when there is a minimal risk to your privacy and adequate safeguards are in place in accordance with the law;
  

• We may use or disclose Health Information about you in a way that does not personally identify you or reveal who you are.
  

Any other use or disclosure of Health Information, other than those listed above will only be made with your written authorization, (the authorization must specifically identify the information we seek to use or disclose, as well as when and how we seek to use or disclose it).

Member Rights:

As a member, you have a number of rights with respect to the protection of your Health Information, including:

The right to request that we restrict how we use and disclose your Health Information that we have about you, or to restrict the information that is provided to family, friends and other individuals involved in your health care. But if you request a restriction and, in our reasonable judgment, the information you asked us to restrict is needed to provide you with emergency treatment, then we may disclose the Health Information to a health care provider to provide you with emergency treatment.

Jurisdictional issues:

Unless otherwise specified, the Materials are presented solely for the purpose of promoting Navigate's services. Navigate makes no representation that materials, products or services depicted in the site are appropriate or available in all locations. These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, in the United States of America, without giving effect to any principles of conflicts of law. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject matter herein and shall not be modified except by an online update, or by a writing signed by both parties.  (Last updated August 18, 2008)

Refund and Cancellation Policy:

Clients may cancel their subscription and obtain a full refund up to two (2) weeks before the subscription start date. The notification of the change must come in writing (email, fax, post) no later than two (2) days before subscription start date.

Clients canceling two weeks or less before the subscription start date will receive a 50% refund.

Clients notifying Navigate of a change in travel plans may postpone their subscription up to one year from the subscription start date with no additional fee or incurred penalty. The notification of the change must come in writing (email, fax, post) prior to the coverage start date.

Contact information:

Navigate Health International

Via Michele Mercati 59r

50139 Florence, Italy

USA Toll-free phone and fax: (866) 377 3848

Italian phone (dialing from Italy): 055 4627276

Italian phone (dialing from Italy): 055 461 880

Email us

Last Updated: October 23, 2008