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Business Terms |
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of Our Home Page and Site By using the "information highway" of Internet, Omni can share available information with you on various International Medical Insurance and HealthCare plans obtained from a number of sources around the world. It also is meant to provide readers with an easy timesaving method of requesting and receiving basic data on plan premium rates, plan terms, application criteria and OMNI's rapid response assistance to obtain firm quotations and placements of coverage. In addition we strive to provide speedy assistance on document delivery, claim matters, policy changes, renewals and access to policy administrative procedures to include all necessary forms. Our intent is to be as close to you as an electronic EMAIL on all account inquiries no matter where in the world you may be located and to be able to provide information periodically to you on new competitive products, services and ideas. Territorial Limitations OMNI Capital and OMNI Expat Benefits Association (HK) specialize in Brokerage of personal insurance lines for Expatriates and International Citizens around the world. The specific jurisdiction of all policies serviced through OMNI fall under the law and practice of the country that each underwriting company's insurance contract is registered in. Buyers may have some restrictions within their country of full-time residence on the purchase of insurance from an insurance company located in a country other than their country. Expatriates on temporary assignment away from home may have little choice except to secure competitive adequate international cover from an overseas source specializing in such. OMNI makes every attempt to assist in the arrangement of suitable insurance cover in the customer's country of permanent full-time residence upon return to their home and with an insurance company located in their home country. Applying for a Quotation or an Insurance Policy On our OmniCap website we provide a generic and dynamic "Request for Quotation" form to obtain from OMNI comparative and "indicative" International HealthCare Plan benefit and premium quotations, all on-line. With the information carefully and truthfully supplied by inquirers to us on this form, OMNI can quickly present those plans that we feel best meets the client's requirements to include benefit descriptions and premium prices. Frequently we are asked to review existing plans in comparison to others plus answer outstanding questions that exist or have existed which created reason for a planholder to seek information on other plans. In many cases after answering all questions a change is rarely made. Once planholders clearly understand their plan entitlements and obtain instruction on how best to deal with matters regarding claims and policy inquiries, they often find no reason to change. Furthermore existing planholders are offered the opportunity to appoint OMNI as their "Broker of Record" on-line so further assistance can easily and quickly be obtained. This is a no-cost service. OMNI has provided links to all International HealthCare Plan companies handled that have operational websites. This allows our site visitors to obtain full plan details and plan company information directly from our list of plan suppliers. As all parties must work very carefully together for best results, we encourage clients to communicate freely with OMNI or to optionally know how to easily communicate with their plan company directly if they feel it necessary or useful. OMNI has provided convenient easy-to-use inquiry forms that can be completed and submitted on our website. You may also use inquiry forms linked to the other listed items shown on our easy to view dropdown menus. Completing the inquiry form will allow OMNI to gather required underwriting submission information from you. All plan company application forms are available and will be sent to clients through email with attachments. They may be downloaded, completed and returned by Fax or Email to OMNI. Insurance company's firm premium offers will be forwarded to you when made available. Your submission of an inquiry through OMNI does not bind you to complete an insurance purchase. Once an offer is accepted by you indicate so by Fax or Email to OMNI but, in addition, you MUST return your originally signed application form to us by Post or Courier as required for the insurance company's records. If requested due to the urgency of your purchase, a temporary insurance company-issued binder will be provided whilst awaiting final delivery of your policy. Inquiry Response, Quotation Delivery, Policy Document/s & Claim Settlement OMNI will make its best efforts to return to you via Email our quickest response possible to all inquiries considering time zone differences and OMNI's current 6-day workweek. Email is checked throughout each workday by OMNI staff. Purchasers are asked to additionally provide their telephone number, fax number and full address that we can use to assure delivery should failure or delay of Email exist. As OMNI's Email site is not considered secure, those very confidential requests requiring special handling should be done through telephone, fax, registered post, personal messenger or document courier. A secure site for OMNI is anticipated in the future. OMNI has no control over the timeliness of the various insurance companies' delivery of quotes, policies or responses to other inquiries you have made through us. However, we have selected very carefully each insurance company that we deal with based on their expected delivery of excellent products and services with an understanding and agreement between us that they are to expedite all prospect and client matters in a timely and competitive fashion. Any complaints should be directed immediately to the attention of the President of OMNI for immediate action. Expect a timely report to you to follow on the disposition of the matter. Verbal instructions to OMNI should be avoided if at all possible. In special situations, verbal instructions to us may be received but should be followed in written form from clients or prospective clients to insure accurate action taken by OMNI. Contract of Insurance You May Purchase Unless confirmed to you through OMNI as a firm offer from the respective underwriting insurance company all initial policy/plan quotations, terms, conditions and other wordings provided by OMNI are to be considered presented in incomplete, brief and indicative form subject to receiving an underwriter's firm offer. OMNI will provide all applicants with the respective insurance company's final and firm offer once received. All policies are contracts for insurance. They contain the full legal insurance contract wordings that each purchaser should read completely and carefully upon receiving their policy/s. Now you know the ways you can deal with the OMNI Group to obtain what we hope is valuable information on personal and group HealthCare plans that can be compared to any others anywhere. If we can not meet or beat your current plan service or terms we will be the first to recommend that you do not make a change at all to us. In fact, if you have a better service or plan from another company, we are interested in knowing so because OMNI continues to search for new competitive products to include in our portfolio of select offerings to customers. |
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OMNI is an active member of: American Chamber, Canadian Chamber, European
Chamber, Australian-New Zealand Chamber, Lighthouse Club, Le Club, British Business Association. |
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