These Terms (as defined below) govern your use of this Site (as also defined below). By continuing to use this Site you signify your acceptance of these Terms (as we may amend at any time without notice).
‘Aetna International’ means any company or branch which is part of the Aetna International Inc. group of entities, further details of which are set out below under the heading ‘About Aetna’.
‘Partner site’ means a website of one of our insurance partners.
‘Site’ means aetnainternational.com, a website owned and operated by Aetna International.
‘we’, ‘us’ and ‘our’ means Aetna International.
‘you’, ‘your’ and ‘yours‘ means you, the person(s) accessing this Site.
About this website
This Site is a portal, or gateway, to the healthcare products and services we (or our insurance partners) offer in various locations worldwide.
Our insurance partners
We are authorised and regulated to provide healthcare products and services in certain jurisdictions but not others. In such other jurisdictions we may have a relationship with a local insurer which can offer healthcare products and services to you. Such products and services may bear our brand and/or the brand of our insurance partner.
This Site contains links to the Partner Sites. The terms and conditions of the Partner Sites, as well as the healthcare products and services they offer, may differ from those in this Site and you should read them carefully.
Product terms and conditions
Each of our (or our insurance partners’) healthcare products and services are subject to their own terms and conditions and local laws and regulations (‘Product Terms and Conditions’). You should read the Product Terms and Conditions carefully. If the Product Terms and Conditions conflict with these Terms or any Partner Site's terms and conditions, the Product Terms and Conditions shall prevail.
The information contained on this Site and any Partner Site is for information purposes only. We do not provide legal, financial or other advice via this Site.
Availability of this Site
We may wholly or partially suspend, withdraw or change the content, including layout, of this Site or of any healthcare products or services available via this Site at any time.
We also reserve the right at any time to immediately suspend the provision of all or any part of this Site to you and/or block your access to this Site.
Information or opinions contained on this Site do not constitute investment advice or an offer to sell or a solicitation, or offer to buy, any securities or financial instruments. Our operation of this Site does not constitute an offer of any healthcare products or services provided by us.
Should you seek to rely in any way whatsoever upon any information contained on this Site, you do so at your own risk.
Before you make any decision or take any action that might affect your personal finances or business, you should always consult a suitably qualified professional adviser.
Availability of healthcare products and services
Not all the healthcare products and services that you may be able to view via this Site are available in all jurisdictions. The provision of such products and services is subject to relevant local laws and regulations. Depending on your location, such laws and regulations may prohibit you from buying our healthcare products and services in that jurisdiction.
We offer the information, healthcare products and services on this Site only in jurisdictions whose law permits us to do so. We do not offer such information, products and services where legally prohibited.
Third party websites
Access to any other websites linked to this Site (including without limitation any Partner Site) is at your own risk and we expressly disclaim any and all liability related to such other websites.
Whilst we have taken reasonable steps to ensure the accuracy, currency, availability, correctness and completeness of the information and materials contained on this Site, we provide such information and materials on an “as is”, “as available” basis. We do not warrant the accuracy, adequacy or completeness of such information and materials, and expressly disclaim liability for errors or omissions in such information and materials. To the extent permitted by law, we exclude any warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose or use. Use of this Site is at your sole risk.
Exclusion of our liability
To the extent permitted by law, we shall not be liable for any damage, loss or liability (whether arising in contract, tort, including negligence, or otherwise) arising out of or in connection with:
- your use of this Site;
- your use or inability to use the information, healthcare products and/or services on this Site at any time and for any reason;
- any error in the provision of this Site;
- any computer virus or other bug transmitted through this Site;
- any inaccurate or out-of-date information published on this Site;
- your failure to comply with any law or regulation that is applicable to you;
- any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure to this Site or your use or attempted use of it; or
- your reliance on any information published on this Site. We may publish information on this Site that may not be appropriate for your specific purposes or circumstances.
The above exclusions apply to any damage which is direct, indirect, special, incidental or consequential or consists of loss of profits, business, opportunity or data.
We shall not be liable to you for any loss you suffer due to any event or circumstances beyond our reasonable control which leads to this Site being wholly or partly unavailable such as, but not limited to, technical breakdown, strikes or other industrial action (whether or not involving our employees) or communications or power failure.
All of the above exclusions apply even if you have advised us of the possibility of the above types of damage, loss or liability.
It is your sole responsibility to:
- protect and back up your data and/or equipment;
- undertake reasonable and appropriate precautions against any computer virus or other destructive materials or elements; and
- ensure that your computers and your access to this Site are adequately secured against any unauthorised users.
Where you access password-protected sections of this Site it is your responsibility to:
- keep the security details which you use to access this Site secure at all times;
- ensure that you shred or otherwise dispose of securely any documentation containing personal or account details.
Your use of this Site – you may not use this Site or permit others to use this Site:
- in any way (including via electronic means) and for any purpose which is unlawful, defamatory or libellous, offensive, abusive, indecent, menacing or threatening or in any way breaches any intellectual property rights or obligations of confidence;
- to cause annoyance, inconvenience or needless anxiety to any other person or in any other way which is in violation of any applicable law or regulation in any jurisdiction in the world; or
- to introduce a virus or other disruptive material or element or otherwise disrupt or impair this Site or any communication service.
Links to this Site
Neither you nor any other party may use any part of this Site on any other website, or link any other website to this Site, without our prior written permission. We are not responsible for the set-up or maintenance of any link from a third party website to this Site.
Internet and e-mail communications
We cannot guarantee that messages sent over the internet (including via e-mail) are completely secure as they are subject to possible interception, monitoring, delay, loss or alteration.
We are not responsible for any such messages or such breaches of security. We are not liable to you or anyone else for any damages or otherwise in connection with any messages sent by you to us or any third party or any messages sent by or appearing to be sent by us or any third party to you over the internet (including via e-mail). You should not include any sensitive or confidential information in such messages.
Our monitoring of communications
To help us improve our service and in the interests of security, we may monitor and/or record communications (whether over the internet, telephone or otherwise) between you and us.
Records and transaction terms
Our records, unless shown to be wrong, will be evidence of your dealings with us in connection with this Site.
You agree not to object to the admission of our records as evidence in any legal proceedings because such records are not originals, are not in writing, or are documents produced by a computer.
You agree to us holding information regarding your use of this Site. This includes an audit trail of each time you access this Site and information which you have added, amended or deleted.
It is our policy to retain documents for business effected on your behalf in electronic or paper format for a minimum of 6 years. Thereafter, we may destroy documents without further reference to you.
It is possible for claims to be made long after a policy has expired for certain types of insurance. It is therefore important that you keep your policy documentation safely, and in accordance with statutory requirements.
Intellectual property and trademarks
This website, including but not limited to text, content, photographs, video, audio and graphics, and all material in their arrangement is protected by copyrights, trademarks, service marks, international treaties and/or other proprietary rights worldwide.
We own or license the trademarks, service marks, trade names, logos, designs, and sounds associated with this Site unless otherwise stated. You agree to abide by all applicable copyright, trademark, and other laws, as well as any additional copyright notices or restrictions contained in this Site.
All present and future rights in and to trade secrets, patents, copyrights, trade names, trademarks, service marks, databases, know-how and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to this Site shall, remain our sole and exclusive property. We reserve all present and future rights in and title to information on this Site (including without limitation the right to exploit any portions of such information over any present or future technology).
You may imprint, copy download or temporarily store extracts from this Site.
Copying by you. You may print, copy, download or temporarily store extracts from this Site for your personal information or use or to help you use our healthcare products and services. You may not alter anything contained on or obtained from this Site in any form. Any other use is prohibited unless you first get our prior written permission.
Restrictions on use. You may not use the contents of this Site for any illegal purpose or in any manner inconsistent with these Terms. You agree to use this Site solely for your personal use and benefit or that of your organisation, and not for resale or other transfer to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute or dispose of any information contained in this Site in any manner that could compete with our business.
You may not reverse, distribute, publish or modify any information on this Site, upload to or store the information in a database, create derivative works from, transmit or in any way exploit any part of the website or information contained within it. Information including analyses and presentations contained within this Site may not be re-circulated, re-distributed or published without our prior written consent. You may not offer any part of the contents of this Site for sale or distribution over any medium including television or radio broadcasts, computer networks or the internet without our prior written consent.
No part of this Site may be used to construct a database of any kind or stored (whether in its entirety or in part) in databases for access by you or any third party.
Linking and framing. We prohibit unauthorised hypertext links to this Site, and the framing of any materials available through this Site. We reserve the right to disable any unauthorised links or frames and specifically disclaim any responsibility for the contents of any other internet sites linked to this Site. From this Site we may provide information or hyperlinks to other websites or pages provided by other parties. Your use of other parties’ sites may be subject to their own terms and conditions. Please read them carefully.
Our logo, Aetna, and all other trademarks, service marks, trade names, logos, domain names, URLs and icons (‘Marks‘) appearing on this Site, registered or not, are our property or the property of one of the Aetna Inc. group of companies. Nothing on this Site grants you any right or licence to use any of the Marks on this Site without the our prior written permission. Your unauthorised use of the Marks may violate trademark and other laws.
We will maintain all information gathered from you in connection with your use of this Site or any Partner Site in accordance with applicable privacy policies disclosed for this Site or any of the Partner Sites.
We may, as a result of your interaction with this Site, hold and process personal information obtained about you when you access this Site and use it for servicing our relationship with you, to provide you with products and services, to evaluate the effectiveness of this Site, to assess your financial needs, to conduct our business, to provide you with better customer services and for statistical analysis.
We may also use your information for fraud prevention and audit purposes. If you give us false or inaccurate information and we suspect fraud, we will record this and act on it accordingly.
We may also in connection with the above and the provision of this Site transfer your personal data to other members of our group of companies and/or third parties in jurisdictions inside or outside the European Union where there may be less stringent data protection laws. However, wherever it is held and processed, your personal data will be protected by strict security standards which we, our staff and any third parties are subject to and will only be used in accordance with our instructions.
By agreeing to these Terms you agree to us using such data as described and transmitting it to others as stated above. We may contact you to ensure that you have received any information we have requested from you.
From time to time we may advertise our healthcare products and/or services and those of other companies in the Aetna group and also those of other parties on this Site. If, in relation to other agreements between you and us, you have asked us not to send you any marketing material (or if you do so in the future), you agree that this restriction will not apply to these electronic advertisements and consent to receiving them when accessing this Site.
Contacting each other
If we need to contact you in relation to your use of this Site, we may contact you by e-mail, telephone or post, or by such other methods as may be developed.
We will use the latest details you have given us to make such contact. We will inform you if any of our contact details change by posting a notice on this Site. Please tell us if your name, address, telephone, e-mail or any other details change.
Should you wish to contact us, please refer to the Contact Us menu which can be found on each page of this Site.
If you contact us via e-mail, you cannot assume that it has reached us until we return an e-mail acknowledging receipt.
Further information and written details about our products and services are available from any of our offices and on this Site. You may also obtain details by writing to using the Contact Us details provided on this Site or by contacting your usual contact person, if you have one.
We may from time to time participate or provide information on social media to inform, assist and engage with our members and other users. Please note the following general terms which relate to our social media channels or pages:
- We may monitor and record comments and posts made on these channels about us in order that we can improve our services.
- We are not responsible for any information posted on such channels other than information that we have posted. We do not endorse any such social media or any information posted on them by third parties or other users.
- We do not offer financial services or products and our operation of such social media channels, pages and accounts does not constitute an offer of any products or services provided by any of our entities.
- When you engage with us via social media your personal data may be stored on that social media site's servers, which are outside our control and may be inside or outside the EU. Any information posted to such sites may be accessed and read by the general public.
- We will not discuss member’s plans or individual circumstances on such sites.
- We will not ask you to share personal, secure member or account or security information via social media sites and you should not post such information on those channels.
- We regularly update and monitor our social media accounts and welcome feedback and ideas submitted via these channels.
- We do not guarantee to read or reply to all messages sent to our social media accounts.
This Site is not intended to be used by minors.
These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) are governed by and are to be interpreted in accordance with the laws of England and Wales.
You agree that that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute which may arise in connection with these Terms or their subject matter or formation (including non-contractual disputes or claims) or your use of this Site.
Each of the Partner Sites or our healthcare products and/or services accessible through this Site may have different governing laws. Please read these carefully.
The information in this Site is based on our understanding of current law at the present time. Future changes in legislation and practice could affect the information on this Site.