Adapt

Agreement to the Terms of Use

By accessing this website, you represent that you have read, understood and accepted these Terms of Use. IMF Trustees Limited reserves the right to change these Terms of Use at any time, and you agree that each visit you make to this site shall be subject to the current guidelines. You agree to use the Service for lawful purposes only, and in a manner which does not infringe the Rights of, or restrict or inhibit use or enjoyment of the Service by any other persons and it must not be used to impersonate others or in a manner which conceals identity.

Changes to the Terms of Use

As we continually seek to improve our website, we may modify these Terms of Use from time to time. Please check these Terms of Use periodically for changes.

Purpose and use of this website

This website is intended to inform the public about the ADAPT Expatriate Health Plans.

Jurisdiction

New Zealand law governs and New Zealand courts have exclusive jurisdiction.

Links from this website:

Within our website you will find some links to other websites provided for your convenience. These websites are not affiliated with IMF Trustees Limited or the ADAPT Program, Inc, neither of which has any control over the websites, or any material or information which may be obtained from these websites and no warranties or representations are made regarding the information contained on these websites.

Links to this website

If you would like to link to any part of our website please contact us.

Disclaimer

We will do our best to ensure that the website is available to you when you need it, free from viruses and unauthorised access. Unfortunately we can't and don't accept responsibility for any consequences if this is not the case. If you use our website inappropriately or maliciously you will indemnify us for anything that happens to us as a result of or in connection with your actions.

Code of Ethics

This Code of Ethics is the basis of the self-regulatory procedure voluntarily adopted by IMF Trustees Limited as a provider of international health plans to expatriates.In agreeing to abide by this Code, IMF Trustees Limited is mindful of its responsibilities to members of the public, to ensure there are clearly defined protections and means of redress.

The purpose of observance of this Code is to ensure those persons promoting, marketing, selling, and administering this health coverage do so in a responsible manner and comply with all other applicable rules of law.

Advertising must:

	Include the name of the provider
	Identify the general nature of the health plan
	Not be misleading or give unrealistic expectations.

Promotional Materials:

	Must include contact details of the parties involved in the promotion.
	Testimonials must be relevant, and factual.
	Must not be misleading or give unrealistic expectations.
	Benefit descriptions, terms, and conditions must be clearly stated.

Premiums

	Prospective plan holders shall be given written details of the premium required for a particular health coverage in conjunction with the “Money back Guarantee” offer.
	Where advertisements or promotional brochures give premium details for any policy, such details shall be representative of the premiums generally applicable to that policy.

Telemarketing

	All telephone marketers must clearly disclose their identity and state the purpose of their call at the commencement of the call.
	All documents confirming the contact must contain means for the consumer to contact the telemarketing person making the call.
	The caller must provide the recipient with a clear opportunity to refuse any appointment or offer. A definite refusal must be accepted. People must not be subjected to harassment either through high pressure selling tactics or excessive attempts to persuade them to change their minds.
	Telephone calls to private homes should only be made at reasonable times, normally between 8.30 am and 8.00 pm, unless the caller is justified in believing that a call at another time would be more convenient and acceptable.

Comparative Advertising

Comparative advertising is advertising that promotes the advertiser's own products by comparing and contrasting its products against those of a competitor or competitors. It is acknowledged that comparative advertising imposes higher ethical standards than merely promoting one's own product. This method of advertising will ensure that it is factually accurate about its own product and about any representations it makes about a competitor's product. In addition, this method of advertising must ensure that it does not mislead by omission, either about the advantages of a competitor's product or the disadvantages of its own product.

Quotation Process

A written description of the health coverage must be provided to the client. On acceptance of a proposal the provider must provide a complete written description of the policy that includes the following information:

	The name and address of the health provider issuing the coverage;
	The premiums and Cash-Back savings deposit to be paid;
	The frequency of the payments;
	A description of the policy’s benefits;
	A general statement of the circumstances which may restrict or invalidate the receipt of benefits by the policyholder;
	A statement describing the circumstances that will cause the coverage policy to terminate;
	The duration of the “Money back Guarantee” period.

The Health Plan Application form must include:

A declaration for the prospective client requiring the client to affirm:

  a.That the client is signing on behalf of all family members included on the
     application; and
  b.That the client has disclosed the state of health of all persons included in the
     application; and
  c.That the client has disclosed whether any person included in the application is
     suffering from any pre-existing condition.

Certificates of Coverage

Once IMF Trustees Limited has received a completed application form from a prospective client and has decided to accept the risk, then the provider will provide a coverage certificate to the client. This certificate shall include the following information:

	A unique membership or contract number to identify the client; The name and address of the client and other family members included in the policy;
	The date from which cover commences;
	Any conditions from which all cover is excluded;
	Any pre-existing conditions from which the planholder or other family member are suffering, for which cover is excluded or accepted.
	A client will also receive either on the certificate of coverage or on an accompanying document:
	A customer service telephone number for the provider;
	The address of the provider for claims;
	Details of the procedure for making a claim.

Money-Back Guarantee

	A “Money back guarantee” will apply from the date the full written coverage description has been received by the client, for a period of 30 days. A coverage description sent by post to a client will be deemed to have been received by the client on the third day after the date of posting.
	A “Money back guarantee” must permit the client to cancel the coverage at any time during the 30-day period and receive promptly a full refund of all amounts paid in respect of the coverage.
	Any client who is in receipt of a “Money back guarantee” must also be given written information as to any restrictions or limitations on cover which apply to their particular contract, e.g. acceptance or exclusion of cover for pre-existing conditions or duration of waiting periods if any.
	The lodging of a claim by a planholder within the “Money back guarantee” period shall be deemed to be acceptance of the coverage offered.

Requirements for Employees and Representatives

IMF Trustees Limited will bring this Code to the attention of their employees and representatives and will require their agreement to comply with the Code as a term of either their employment or as a condition of doing business with them, and must comply with the provisions of the Code as it applies to the provider in terms of the information they are required to give the potential client.
Representatives and employees must observe the following at all times:

	Be fully aware of the content of this Code and fully comply with it;
	Act with care, diligence and honesty in all dealings with clients and prospective clients.
	Immediately identify themselves when making contact with a prospective client.
	Ensure that, as far as possible, any health coverage proposed is suitable to the needs of the prospective client;
	Give advice only on those matters in which they are competent, and seek or recommend other specialist advice if this seems appropriate;
	Treat all information supplied by the prospective client as completely confidential to himself or herself and to the provider to which the business is being offered;

Claims Procedures

The claims procedure will be fully explained to a potential client at the time he or she takes out health coverage, including:

	The time period in which any claim must be received.
	The likely time period that processing any claim will take
	Procedure for submitting and documenting claims

Policy Changes

Health coverage is normally an annual agreement, the terms of which may be updated and altered from time to time. In compliance with this Code, IMF Trustees will advise a client in advance of any changes affecting his or her policy before the changes are due to take effect .

Complaints Procedure

Complaints must in the first instance be lodged with IMF Trustees Limited. If a member of the public considers that their complaint has not been treated in accordance with the Code, and resolved satisfactorily by the provider, then the complaint may be referred to mediation under New Zealand law.