care@cognatehealthorganisation.com

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This cancellation and refund policy ("Policy'') governs the cancellation of your membership with COGNATE HEALTH SERVICES PRIVATE LIMITED, a company incorporated under the Companies Act, 2013 of India, having its corporate office at Plot No- Y 9-10 2nd Floor Vipin Garden Main Nazafgarh Road Near-:Metro Pillar No-801 New Delhi-110059 ("COGNATE HEALTH SERVICES'') and of the membership card issued by COGNATE HEALTH SERVICES ("Healthcare Package Membership''), as well as the refund of the fees paid by you towards purchase of such Preventive Health Care Plan ("Membership Fees'').

In the event that you wish to cancel the Healthcare Package Membership and your membership with COGNATE HEALTH SERVICES, you shall be required to intimate the same to COGNATE HEALTH SERVICES by calling COGNATE HEALTH SERVICES inbound or by sending an email to within 14 (fourteen) days of receipt of the Healthcare Package Membership by you. You shall further be required to return the Healthcare Package Membership and all documents and other items provided to you along with the Healthcare Package Membership ("Healthcare Package Membership Welcome Pack'') by mailing the aforesaid to COGNATE HEALTH SERVICES C/O Cancellation Department at Plot No- Y 9-10 2nd Floor Vipin Garden Main Nazafgarh Road Near-:Metro Piller No-801 New Delhi-110059.

(I) Discontinue the Healthcare Package Membership issued to you and your membership with COGNATE HEALTH SERVICES with immediate effect; and (ii) Issue a refund of the amount paid by you as Membership Fees. On Cancellation as aforesaid, COGNATE HEALTH SERVICES shall intimate you of the fact of such Cancellation and shall inform you of the method of refund of your Membership Fees. Such Cancellation shall be subject to the following terms: Cancellations shall be considered only if (i) a valid request is made in this regard within 14 (fourteen) days of receipt of the Healthcare Package Membership by you, and (ii) the entire Healthcare Package Membership's Welcome Pack is returned to COGNATE HEALTH SERVICES within 14 (fourteen) days of receipt of the cancellation request as aforesaid. For calculation of the aforesaid periods, the records of dispatch, delivery and communications available with COGNATE HEALTH SERVICES shall be considered final.
(II) No cancellation shall be carried out if the Healthcare Membership purchased under any celebratory / festive offer, or any special / discounted offer of any kind whatsoever.
(III) No cancellation shall be carried out if you have purchased the Healthcare Package Membership under any interest free easy monthly installment (EMI) option offered by COGNATE HEALTH SERVICES.

No cancellation shall be carried out if you have in any way availed any of the benefits available under the Healthcare Package Membership prior to confirmation of cancellation by COGNATE HEALTH SERVICES. In the event a request for cancellation is received by COGNATE HEALTH SERVICES after dispatch of the Healthcare Package Membership's Welcome Pack to you, COGNATE HEALTH SERVICES shall deduct an amount of Rs. 1,000 (Rupees one thousand only) or 10% of the membership fee whichever is higher from your membership fees and only the balance shall be refunded to you as part of the cancellation. In the event a request for cancellation is received by COGNATE HEALTH SERVICES after a positive welcome call to you, COGNATE HEALTH SERVICES shall refund up to a maximum of 50% of the membership fee of your membership fees only. All cancellations as approved by the COGNATE HEALTH SERVICES's management as per their discretion shall ordinarily be processed within 30 days of receipt by COGNATE HEALTH SERVICES of the Healthcare Package Membership's Welcome Pack. In case of no contact post approval, the 30 days may get extended.

In the event the entire Healthcare Package Membership's Welcome Pack is not received by COGNATE HEALTH SERVICES within 14 (fourteen) days of receipt of a valid request for cancellation by COGNATE HEALTH SERVICES, COGNATE HEALTH SERVICES shall deduct an amount of Rs. 2,500/- (Rupees two thousand five hundred only) or up to 50% of the membership fee whichever is higher from your Membership Fees and only the balance shall be refunded to you as part of the cancellation. Credit of the membership fees to your bank account / credit card account upon cancellation and refund by COGNATE HEALTH SERVICES shall be as per policies and timelines followed by the banks involved and COGNATE HEALTH SERVICES shall not be responsible for any delays in this regard. You are understood to have read and agree to abide by this Agreement. All information in this communication is correct & updated as per March-2017 and is subject to change at the discretion of COGNATE HEALTH SERVICES. This agreement shall form an integral part of the terms and conditions governing the use of the Healthcare Package Membership available www.cognatehealth.in

The Terms & Conditions of the COGNATE HEALTH SERVICES's Healthcare Package Membership's Card, the doctors empanelled with COGNATE HEALTH SERVICES & the offers made on the COGNATE HEALTH SERVICES's Healthcare Package membership card may periodically change. We hence request you to check for these changes on the website or by calling us on our help line numbers on a regular basis. An COGNATE HEALTH SERVICES Member is defined as an individual who has a valid and current COGNATE HEALTH SERVICES's Healthcare Package Membership Card issued by Cognate Health Services Pvt Ltd. Usage of the COGNATE HEALTH SERVICES's Healthcare Package Membership Card by the card holder (COGNATE HEALTH SERVICES Member) implies that the card holder agrees to the following terms and conditions of service & other terms as incorporated herein and understands that these terms govern the use of COGNATE HEALTH SERVICES's Healthcare Package Membership. All COGNATE HEALTH SERVICES members are understood to have read (on their own behalf and on behalf of their dependents/family/other members) the following terms and conditions and agree to abide by these Terms of Use. Cognate Health Services reserves the right to modify, alter or otherwise update these Terms at any time and all cardholders agree to be bound by such modifications and/ or updates. Members are entitled to receive certain free and subsidised services from Medical Professionals / Organisations / Institutions / Pathology Labs / Radiology Labs / Others, who have done so for the cause of promoting high quality & affordable health care in India (i.e. for societal cause & not for promoting their practice in any way). In order to receive medical services at the subsidised fee, a member must present his / her membership card to the medical service provider / others before services are rendered & agree to the applicable fee accordingly. Members must pay the medical service provider directly at the time of Service unless otherwise agreed upon between medical service provider and the member. If a member wishes to confirm the current fee for a particular dental or medical service, he / she should first contact the helpdesk number of COGNATE HEALTH SERVICES for guidance. MEMBERSHIP TERM: Once the initial "Membership Fee'' and any enrollment, processing or other fee is paid and received, a member will be entitled to the subsidised medical services during the membership period as defined by the expiry date given on the face of the CognateHealth Services's Healthcare Package Membership (from the date of activation) or as otherwise stated on the valid / active COGNATE HEALTH SERVICES's Healthcare Package Membership. RENEWAL OF MEMBERSHIP: Members may be informed at least one month in advance before their membership card expiry date. It is the responsibility of the member to ensure that COGNATE HEALTH SERVICES receives the payment for renewal of membership renewal at least two weeks prior to the membership card expiry. COGNATE HEALTH SERVICES is not responsible and assumes no liability for any disruption of service in case the payment gets delayed or the payment cheques are dishonored. In case of dishonored cheques, a penalty will be charged.

The membership card services will remain suspended till the realization of the payment. RENEWAL CHARGES: The charges for renewal can be confirmed by calling the COGNATE HEALTH SERVICES helpdesk number a month in advance of the expiry date. Kindly note that any treatments being offered at subsidised rates will not be offered at these rates by the medical practitioner, as soon as the card validity has lapsed. LOST CARD: In case of loss of membership card, a duplicate membership card may be issued at the nominal charges of Rs. 100 /- (plus the applicable taxes). The tenure of the membership will remain as specified in the initial membership card.

Complaints

COGNATE HEALTH SERVICES's Healthcare Package Members are advised to address their complaints, if any, to our representatives. They are there to help you out. However if you are not satisfied, you may write to us at our corporate office address or mail us at service@Cognatehealthorganisation.com. The member's rights or duties under this agreement may not be assigned or delegated without the prior express written consent of COGNATE HEALTH SERVICES. Member agrees that he / she will use his / her package or program membership only for his / her personal benefit or for the benefit of his / her family members/others who have individual COGNATE HEALTH SERVICES's Healthcare Package Membership Cards for themselves (in case of family or couple plan). The Member is responsible for paying Dental & Medical Service Providers and / or vendors / others for all services rendered unless otherwise agreed upon by the Member and Medical / Dental / other Service Provider or vendor. COGNATE HEALTH SERVICES is in no way responsible for the dental / medical / other services provided by a Medical / Dental practitioner or vendor. The COGNATE HEALTH SERVICES's Healthcare Package Membership card provides the member access to a network of voluntarily participating medical professional / dentists & other medical practitioners / vendors who are independent practicing professionals. Participating providers are independent contractors in private practice and are neither employees nor agents of COGNATE HEALTH SERVICES'S HEALTHCARE PACKAGE and / or its parents, subsidiaries or affiliates ("CognateHealth Services Pvt. Ltd''). The

availability of any particular provider cannot be guaranteed, and provider network composition is subject to change without notice. COGNATE HEALTH SERVICES HEALTHCARE PACKAGES does not provide medical, dental or any other treatment and is not responsible for outcomes. All medical, dental and / or other health care services is the responsibility of the treating Medical / Dental Service provider, to be carried out in consultation with the member. Selection of the Medical / Dental Service provider is finally the responsibility of the Member and is not based on any representations or recommendations by COGNATE HEALTH SERVICES. The medical & dental (& other vendors) have agreed to offer their services at subsidised fee for the cause of increasing health awareness, specifically preventive health care & nowhere does it construe that the empanelled doctors and professionals are doing so for commercial reasons. The term "Subsidised Fee'' means a service that is available to a member at a lower cost from fees normally charged by the provider and for which the member is solely financially responsible. The member understands that all payments to providers are due and payable at the time of service. In order to access reduced fee services, the member must present his / her membership & ID card to the provider's office at the time of his / her appointment. The COGNATE HEALTH SERVICES empanelled doctor shall offer the subsidised rates on treatments and procedures managed and serviced by empanelled doctor directly (& not necessarily by other doctors, visiting or consulting doctors etc.) & within the empanelled clinic premise and not for any further treatment, check or service required elsewhere. It may not be necessary that all services, tests, medical fields, doctor types are covered by the COGNATE HEALTH SERVICES. COGNATE HEALTH SERVICES's Healthcare Package Membership Card & the empanelled doctors may not be able to provide subsidised service on select procedures, i.e. the subsidised services may not be offered on all treatments and procedures offered by empanelled practitioner/clinic or laboratory. Any existing offer or package at the clinic or planned by practitioner may not be clubbed and the practitioner may offer only one of the offers (either offer on COGNATE HEALTH SERVICES membership card or existing packages) or on those services. The member should clarify all rates and fees before going forward for any consultation or treatment with the COGNATE HEALTH SERVICES empanelled medical practitioners & shall also clarify the subsidised rates in advance (& all other details about the treatment or checkup or test, etc.) & be satisfied about the same before starting the treatment. COGNATE HEALTH SERVICES shall not participate or be responsible for any dispute on the same (related to rates and subsidised rates once the treatment has started & costs have been incurred). If a particular medical practitioner does not offer the subsidised rates as per the COGNATE HEALTH SERVICES member's satisfaction, the member should contact COGNATE HEALTH SERVICES Helpdesk numbers & COGNATE HEALTH SERVICES will refer the member to other medical practitioners empanelled with COGNATE HEALTH SERVICES. COGNATE HEALTH SERVICES will not be responsible for providing any compensation to the COGNATE HEALTH SERVICES member for the charges levied by the medical practitioner empanelled with COGNATE HEALTH SERVICES. COGNATE HEALTH SERVICES IS NOT A MERCHANT, MANUFACTURER, OR PROVIDER OF THE DENTAL & MEDICAL SERVICES. COGNATE HEALTH SERVICES DOES NOT GIVE ANY WARRANTY, EXPRESS OR IMPLIED, AS TO DESCRIPTION, QUALITY, FITNESS FOR ANY PARTICULAR PURPOSE, PRODUCTIVENESS, OR ANY OTHER MATTER, FOR ANY SERVICES OR MERCHANDISE PURCHASED OR RECEIVED BY A MEMBER FROM A MEDICAL PRACTITIONER, PATHOLOGY LAB / RADIOLOGY LAB/ PROVIDER OR VENDOR THROUGH HIS / HER CARD MEMBERSHIP. IN THE EVENT THAT ANY PRODUCT OR SERVICE PURCHASED OR RECEIVED BY A MEMBER IS DEFECTIVE, OR OTHERWISE UNSATISFACTORY, THE MEMBER WILL DEAL DIRECTLY WITH THE PROVIDER, SELLER, MERCHANT, VENDOR OR MANUFACTURER OF THE PRODUCT OR MEDICAL / DENTAL SERVICE FOR ANY REPAIR, EXCHANGE, REFUND OR SATISFACTION OF CLAIM. COGNATE HEALTH SERVICES & the Medical Practitioners who are part of the COGNATE HEALTH SERVICES's Healthcare Package Membership network reserve the right to revise their charges at any time. each, for himself / herself, and on behalf of any family member who uses the services under the COGNATE HEALTH SERVICES's Healthcare Package hereby forever releases, acquits and discharges each of COGNATE HEALTH SERVICES's Healthcare Package and its employees, officers, directors, agents and affiliates from any and all liabilities, claims, demands, actions and causes of action that such member or his / her legal representative(s) may have by reason of any damage or personal injury sustained as a result of or during the course of the use of any medical / dental service / Other services. COGNATE HEALTH SERVICES's Healthcare Package Membership offered by CognateHealth Services Pvt. Ltd is not health insurance policies. The membership card provides subsidised services through its empanelled doctors at certain health care centers. The membership card holder is obligated to pay for all health care services from those Medical / Dental service providers who have contracted with COGNATE HEALTH SERVICES's Healthcare Package Membership for providing services under the empanelment agreement. This T&C and the relationship between you and COGNATE HEALTH SERVICES will be governed by the laws as applicable in India. Any disputes will be handled in the competent courts of New Delhi, India.

Important Refund Note

» In case no contact is established with the member(s) by COGNATE HEALTH SERVICES’ central retention team for membership cancellation request, the cancellation process will be put on hold till further contact can be established.
» Cancellation/ refund will be processed only upon receipt / return of the purchased membership kit (unused) by COGNATE HEALTH SERVICES.
» In case there are multiple ongoing dialogues between COGNATE HEALTH SERVICES and the member(s), there may be few instances wherein the time-frame committed for resolving a case may take longer than committed previously.

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