Terms of Your Even Plan
This document ("Agreement"), together with any specific declarations or information
provided by You ("You/Your"), sets out the basis on which You may avail the healthcare andwellness features under Your "Even Plan", a service that is provided to You by Even
Healthcare Private Limited ("Company/We/Us/Our"), having its corporate office at No. 1335,
11th Cross Rd, Stage 3, Indiranagar, Bengaluru, Karnataka 560038 - India.
INTRODUCTION:
We help You access various healthcare and wellness services to improve Your health andwell-being and prevent situations leading up to any hospitalisation ("Managed Care"). Our
doctors and in-house specialists, as approved or empanelled with Us ("Even Doctors"), will
provide best-in-class curated programmes, teleconsultations and video consultations.
You have subscribed to the Even Plan and its services are available to You on Our website
and Our mobile application ("Even App") if You have paid the applicable monthly/yearlysubscription ("Membership Fees").
Under Your Even Plan, You can:●access various Managed Care services by becoming an Even Care member;●

along with Managed Care, avail an optional cover for outpatient services ("OPD")
under the group insurance policy obtained by Us for You from an Indian insurancecompany ("Insurance Partner"), by becoming an "Even Lite" member;●

along with Managed Care, avail an optional cover for in-patient hospitalisation ("IPD")
and day care services under the group insurance policy obtained by Us for You froman Indian insurance company ("Insurance Partner"), by becoming an "Even
Essential" member;●

along with Managed Care and the OPD group insurance cover, avail an optional
cover for in-patient hospitalisation ("IPD") and day care services under a separate
group insurance policy obtained from an Insurance Partner, by becoming an "EvenPlus" member.

Under Your Even Plan (for Even Lite, Even Essential and Even Plus members), We provide
You facility of a wide network of doctors, specialists, hospitals and other healthcare
providers ("Healthcare Partners"), empanelled with Our Insurance Partner. The Health Care
Partners will provide You best-in-class facilities in India, and come highly recommended. An
overview of the benefits and terms of our plans can be found on our Website even.in as well
as at https://even.in/files/Even-Plans-Overview.pdf.
In consideration of the above, the Company and You (collectively referred to as "Parties")
agree as follows:
OUR SERVICES
1.1

Your Even Plan will commence on the date on which this Agreement is sent to You("Effective Date") and will be valid for the period of the advance payment, if any, or
until cancelled.

Terms & Conditions – Even Membership1.2Managed Care: The Managed Care features of Your Even Plan will provide You
access to medical consultations with Even Doctors to improve Your health andwell-being and prevent situations leading up to any hospitalisation. The Managed
Care facility is available to all the Even Plan members i.e. Even Care, Even Lite,
Even Essential and Even Plus members.

1.3

OPD: If You are an Even Lite or Even Plus member, then along with Managed Care(i.e. the Even Care membership), You will also receive cover for cashlessconsultations, treatments and examinations from Healthcare Partners, which do not
require hospitalisation and day care treatment.
The OPD services remain subject to the terms, conditions and exclusions of theinsurance policy, which are linked to here:
https://even.in/files/Even-Plans-Overview.pdf, as well as on the Certificate ofInsurance ("COI") issued to You after membership activation.

1.4

IPD: If You are an Even Essential or Even Plus member then along with theManaged Care membership, You will also receive health cover for treatments
requiring hospitalisation and day care services from Our Insurance Partner (for Even
Plus you will additionally receive OPD insurance cover). IPD and day care services
provided to You under Your Even Essential or Even Plus Plan will include cashless
hospitalisation facility from a wide network of doctors and hospitals in India andcertain day-care procedures (which do not need You to stay at the hospital overnight)
from Healthcare Partners.
The IPD services remain subject to the terms, conditions and exclusions of theinsurance policy, which are linked to here:
https://even.in/files/Even-Plans-Overview.pdf, as well as on the Certificate ofInsurance ("COI") issued to You after membership activation.

INSURANCE COVER
1.5

The sum insured for the insurance is available on a sharing basis for any one or all(for Even Lite/Even Essential/Even Plus members who are in the same Evenaccount) for all claims arising during the coverage period (i.e. it is a "floater"), and is
not issued to You exclusively on a per individual basis.

1.6

In the event that any document or information is required from You in processing any
claim under the group insurance policy by the Healthcare Partner or the Insurance
Partner, You shall co-operate and provide the same to Us.

1.7

While we provide You access to the insurance cover, by acting as a group
administrator, We do not underwrite the same or assume any risk thereunder. Claims
under the group insurance policy may be intimated to Us for coordination, but all
claim processing and decision will be by the Insurance Partner directly.

1.8

The premium amount payable towards such insurance cover is determined by the
Insurance Partner, and is included in the cost of Your Even Lite/Even Essential/Even
Plus membership. You may view the premium amount paid by You, and passed on to
the Insurance Partner by Us, on the payment page during your Even onboarding
process.

Terms & Conditions – Even Membership1.9

Any dispute or query related to any claim or terms of the insurance policy will be
addressed by Us with Our Insurance Partner and We will not be liable to You in thisregard. If the dispute is not resolved by Us, You may reach out directly to Our
insurance partner.

PROCESS AND PROCEDURES
1.10

For availing the Managed Care services under Your Even Plan, You are required tohave access to the Even App. Upon subscribing, You will be able to log into Your
Even Plan account which can be accessed on the Even Website and App and be
used to avail Managed Care services.

1.11

For availing the insurance benefits, Even Lite/Even Essential/Even Plus members willneed their Certificate of Insurance, or alternatively, their group insurance details
available on the Even Website and/or App.

1.12

Normally, all services under Your Even Plan will be available in a cashless manner at
the concerned facility and may be accessed through the Even App (for Managed
Care and OPD services) or the TPA/insurance desk (for IPD services), as available atsuch Healthcare Partner’s facility. In case of Even Lite, Even Essential and Even Plus
members, where services are not available on a cashless basis, You may claim areimbursement upon providing supporting documentation to Us or Our Insurance
Partner. This may typically be due to:(a) A medical emergency faced by You, which may be included under Your Even
Plan once Even Doctors are able to assess the treatment taken;(b) Us/Insurance Partner needing to further assess Your request;(c) Technical reasons faced by Us, Insurance Partner or the TPA.
Please note that if a reimbursement is requested without having first sought
pre-approval, through Even, by Even's Insurance Partner, and not for one of thereasons above, the reimbursement request may be denied.

1.13

The broad procedure for availing any features under Your Even Plan is as follows:
Step 1: You are required to book a consultation with Even Doctors on the Even App
or Website for their preliminary advice/prescription. In accordance with Your medical
condition, symptoms and the Even Plan taken by You, Even Doctors will recommend
You for a relevant Managed Care service or OPD/IPD service.
Step 2: Upon receiving such recommendation,(a)

Even Care/Even Lite/Even Essential/Even Plus members, will avail
teleconsultation covered under the Managed Care from recommended Even
Doctor.

(b)

Even Lite, Even Essential and Even Plus members may additionally avail
OPD/IPD (depending on the selected plan) services from the Healthcare
Partner recommended by Us or Our Insurance Partner.

Step 3: For availing OPD/IPD service at the approved Healthcare Partner. You may
avail the treatment by visiting the selected facility and approach the TPA/insurance
desk and provide supporting documentation in case of IPD services, or, in case of
OPD services and where pre-approval is granted, initiate claim settlement throughTerms & Conditions – Even Membershipthe Even App. Before using any further OPD/IPD services, You shall be required tosubmit all required proofs, consultation etc, on the Even App or directly to theInsurance Partner. It is recommended to always coordinate with Even prior to any
medical procedure or claim in order to simplify the claims process and thecommunication with the Healthcare and Insurance Partners.
RIGHTS AND DUTIES OF THE PARTIES
Please note that the Parties have the following rights and obligations under this Agreement:
1.14

For the purpose of determining Your eligibility for the Even Plan, We reserve the rightto require You to undergo medical tests, and You shall extend all reasonable
cooperation with Us in this regard.

1.15

The final decision in relation to whether and where any specific OPD/IPD service
may be available to You through Your Even Plan, shall be made by Our Insurance
Partner, per its sole discretion.

1.16

At the time of availing the Managed Care services under Your Even Plan, if You are
not satisfied with the consultation of Even primary care doctors, You are allowed totake second opinion from up to two super-specialists doctors for the same healthissue without unnecessary repetition of same tests and prescription, provided Even
has full discretion to reject Your request for this purpose. These consultations will
only be covered if you have opted for a plan containing full OPD cover.

1.17

We are not responsible for the outcome or result of any treatments, or the quality ofcare provided by any Healthcare Partner. Additionally, by way of this Agreement orotherwise, we do not assume or shall be deemed to assume any liability towards any
loss or damage arising out of or in relation to any opinion, advice, prescription,
procedure, actual or alleged errors, omissions and representations provided or madeby any doctors or any other personnel at any Healthcare Partner, other than those of
Even Doctors.

1.18

We do not have a principal agent relationship, partnership, joint venture relationshipor any similar arrangements with any of the Healthcare Partners or with Our
Insurance Partner.

1.19

We reserve the right to revise the admission and renewal criteria and/or Membership
Fees for the Even Plan, as well as the choice of Insurance Partner, per Our sole
discretion. We will provide You with an advance notice of 30 days before
implementing such a change. In such an event, You may be required to undergo
additional tests recommended by an Even Doctor.

1.20

We reserve the right to update, modify or remove any specific Managed Care service
or OPD service or IPD service or Healthcare Partner available to You, at Our
discretion.

1.21

We cannot guarantee that Our services will be available in any language other thanEnglish. Support for other languages is provided on a best effort basis, as available
from time to time.

1.22

All calls, SMS or instant messaging communications, and medical consultations(whether conducted in-person or over call/telemedicine) between You and Even or its

Terms & Conditions – Even Membershipsubsidiaries and representatives will be recorded for quality, training, and compliancepurposes.
TELEMEDICINE TERMS AND CONDITIONS
1.23

Telemedicine involves the use of electronic communications to enable healthcare
providers at different locations to share individual patient medical information for the
purpose of improving patient care.
Providers may include primary care practitioners, specialists, subspecialists,
physiotherapists, dieticians, psychologists and healthcare providers.
The information may be used for diagnosis, therapy, follow-up and/or education.
The information may include any of the following:● patient medical records;● medical images;● live two-way chat, audio and video;● output data from medical devices, audio and video files.

1.24

The electronic systems used will incorporate network and software security protocols
to protect the confidentiality of patient identification and imaging data and will include
measures to safeguard the data and to ensure its integrity against intentional orunintentional corruption.

1.25

Even Members book telemedicine consultations or video consultations (on their own
or with the help of Even’s support team) and join these willingly. The act of joining theconsultation implies consent from the member. All video consultations (except thosewith psychologists) are recorded as per National Medical Commission and Ministry of
Health and Family Welfare, Telemedicine guidelines.

1.26

You understand that the laws that protect privacy and the confidentiality of medical
information also apply to telemedicine, and that no information obtained in the use oftelemedicine which identifies you will be disclosed to researchers or other entities
without your consent.

1.27

You understand that you have the right to withhold or withdraw your consent to theuse of telemedicine in the course of your care at any time. If you continue to use theportal, then your consent is implied.

1.28

You understand that you have the right to ask for and review all information obtained
and recorded in the course of a telemedicine interaction, and may receive copies ofthis information for a reasonable fee.

1.29

Your doctor will explain to you various treatment options available to you. You canmake an informed decision along with your doctors, based on what suits you better.

1.30

You understand that telemedicine may involve electronic communication of yourpersonal medical information to relevant medical practitioners who may be located indifferent parts of the world.

Terms & Conditions – Even Membership1.31

You understand that it is your duty to inform an Even
physician/specialist/physiotherapist/dietician/psychologist/healthcare provider ofelectronic interactions regarding your care that you may have with other healthcare
providers.

1.32

You understand that you may expect the anticipated benefits from the use oftelemedicine in your care, but that no results can be guaranteed or assured.

MEMBERSHIP FEES
1.33

You are required to pay Your Membership Fees (which includes the relevant groupinsurance premium for Even Lite, Even Essential and Even Plus members) for Your
Even Plan in advance. Details of the available payment schedules, prices, andpayment options for any Even Plan are specified on even.in.

1.34

The duration of any Even Plan and cover under Our Insurance Partner's groupinsurance policy (for Even Lite, Even Essential and Even Plus) shall be limited to theperiod for which Membership Fees is received in advance, including by way ofmonthly instalments or otherwise.

CANCELLATION OF MEMBERSHIP
1.35

We will provide You a no-questions-asked refund of Your Even Plan in the first 15
days of your first subscription to Your Even Plan, including any Membership Fees
paid towards Even Care and the group insurance under Even Lite, Even Essential
and Even Plus. You may please review the terms and conditions of Your Even Plan
and the Certificate(s) of Insurance, as applicable, during this period. If any Managed
Care services are availed or insurance benefits claimed during this period (for Even
Lite, Even Essential and Even Plus plans), there will be no refund of the respective
component of Your Membership Fees.

1.36

Apart from the foregoing, You may, at any time, during the validity of the Even Plan,choose to opt-out of the Even Plan (and/or Our Insurance Partner's group insurance
policy, for Even Lite, Even Essential and Even Plus plans) by intimating Us in writing.
Consequently, We will cancel Your Even Plan (and/or insurance policy, for Even Lite,
Even Essential and Even Plus) and provide a refund in the manner set out on yourEven-issued
Plandocument(anoverview
can
be
found
here:
https://even.in/files/Even-Plans-Overview.pdf) and in accordance with Our Insurance
Partner's terms and conditions.

1.37

If it is discovered that any information provided by You at the time of subscribing
Even Plan or during the Even Plan was untrue, inaccurate, incomplete, suppressedor not disclosed (wilfully or otherwise) or in the event of any dishonest or fraudulent
activity being discovered by Us or Our Insurance Partner then Your Even Plan andinsurance cover may be cancelled, without refund. You shall extend all reasonable
cooperation with Us or Our associates (including any third-parties involved in theinvestigation) in this regard. If you refuse to disclose information in Your possession
or to cooperate with an investigation we will reserve the right to terminate yourMembership without refund.

1.38

We reserve the right to cancel Your subscription to the Even Plan, and permanently
suspend access to any Managed Care services with no refund of the Membership

Terms & Conditions – Even Membership

Fees. However, Your group insurance cover(s) with Our Insurance Partner may
continue to be active for the remainder of its term provided the terms and conditionsof the insurance cover(s) have not been breached. Your Even Plan may beterminated without refund in the following cases:(a) if You are convicted under the Indian Penal Code as the perpetrator of acrime, during the tenure of Your Even membership.
(b) In case of persistent non-adherence with the treatment prescribed by any
consulting doctor, where We find this may lead to long term impairment ofYour health, or in case You refuse to carry out any medical tests orinvestigations that may be required by Us which may help Us establish thestate of Your health.
(c) In case of verbal or physical abuse, harassment and/or threats towards any
member of the Even staff, or any Even collaborators (including Our
Healthcare, Insurance, and investigation Partners).
(d) In case of persistent misuse of our services, including but not limited to lastminute cancellations, no-shows, booking excessive or unnecessary
appointment slots.
1.39

Any failure to pay the Membership Fees on time will result in cancellation of Your
Even Plan, after a grace period of 30 days. Until such payment of Your outstanding
amount, no requests for access to any Managed Care services shall be accepted. If
no payment is received within such a 30 day grace period, Your subscription will
lapse and Your Even Plan shall be cancelled (alongside any group insurance policy
issued by Our Insurance Partner).

1.40

On cancellation of Your membership by either Party, the validity of any login oraccess credentials for the Even App and Website for accessing any services related
to the Even Plan also immediately stand cancelled.

CONFIDENTIALITY
1.41

We agree to keep all Your information confidential, subject to the terms of thisAgreement. We shall not, without obtaining Your written consent, disclose suchinformation, including any medical information, to any third parties except Healthcare
Partners and Our Insurance Partner and for any purposes other than for Even’s
internal research and scientific assessment and those contemplated under thisAgreement. This obligation shall not extend to any information that is already in the
public domain or which We are under an obligation to disclose pursuant to theapplicable law or orders of any court or governmental or regulatory body.

1.42

Our Insurance Partner and Healthcare Partners may use Your information, includingYour medical information, for their clinical purposes, subject always to applicable law
in force.

GENERAL TERMS & CONDITIONS
1.43

Dispute Resolution: This Agreement is subject to Indian law. The courts in
Bengaluru shall have the exclusive jurisdiction over any disputes or differences
arising under or in relation to this Agreement.

Terms & Conditions – Even Membership1.44

Assignment: You shall not assign any of its rights and obligations under thisAgreement, except with Our prior written consent.

1.45

Notices: Any notice, request, demand, approval, consent, or other communication
under this Agreement shall be delivered in writing.

1.46

Force Majeure: Notwithstanding anything to the contrary in this Agreement, We or
Our Healthcare Partners shall not be liable by reason of any failure or delay in theperformance of any duties and obligations under this Agreement if such failure ordelay is caused by natural disasters, strikes, lock-outs, embargoes, war, riots, civilcommotion, any orders of governmental, quasi-governmental or local authorities, or
any other similar cause beyond Our control and without any fault or negligence of
Our own.

1.47

We shall inform You and keep You updated in the event of any changes to Your Even
Plan, Our operations, or any other changes relevant to Your subscription of the Even
Plan. All up to date information about Our services can be accessed on the Even App
and Our website at even.in.

DECLARATIONS
I hereby understand and agree that by consenting to purchase this Even Plan, I have readand understood the contents of this Agreement, and freely provide the declarations below:
1.48

All the information and declarations provided to Even Healthcare Private Limited aretrue, accurate and complete to the best of my knowledge and information, and that I
have read the terms of this Agreement and agree to be bound by them.

1.49

By opting for the Even Plan membership, I freely consent to Even Healthcare Private
Limited seeking and the relevant hospital or such similar provider, establishment, or
clinic (who at any time has attended to me in the past or present concerning anythingwhich affects my physical and mental health) providing Even with my medical
information and records for the purpose of reviewing my eligibility to the Even Plan
and the provision of any services thereunder.

1.50

I grant Even Healthcare Private Limited permission to verify my identity through my
Aadhaar number and other Government issued identification and obtain access to
my credit score from any credit information company, in accordance with applicable
law.

1.51

I authorise Even Healthcare Private Limited to process, use, store, disclose andtransfer any information, including medical information, as is made available by me or
the relevant hospital or such similar provider, establishment, or clinic, for the sole
purpose of providing and improving its services, fulfilling its contractual obligations tome, billing, conducting background screening, investigations, claims assistance for
my insurance, and carrying out any other activity related or incidental thereto, subject
always to the requirements under the Information Technology Act 2000 or any otherapplicable law in force.

1.52

By opting for the Even Plan membership, I hereby give my informed consent for theuse of telemedicine in my medical care. I confirm that I have read and understood theinformation provided above regarding telemedicine. I hereby authorise
physicians/specialists/physiotherapists/dieticians/psychologists/healthcare providers

Terms & Conditions – Even Membershipat Even Healthcare Private Limited to use telemedicine in the course of my diagnosis
and treatment.

Even Healthcare Private Limited

END OF DOCUMENT

Terms & Conditions – Even Membership