The use of our Sites and the on-line services offered through the Sites are governed by this Agreement. You must be 18 years old or older to use our Sites. Unless otherwise indicated, any new products, services, Content (as defined below) or software added to our Sites will also be subject to this Agreement, effective upon the date of any such addition. All capitalized words used in the Agreement shall have the meanings set forth herein.
The purpose of this website and our other Sites is to provide you with information about insurance options and other products and services that may be available to you based upon information you have provided to us, and to provide you with an opportunity to interact with other users (our “Services”). Our Services include, among other things, providing you with comparative insurance rates from licensed international insurance providers that contract with BrokerFish. The information and materials provided on our Sites are for general reference purposes only and will not describe all the terms and conditions applicable to the insurance products and services you may be interested in. The premium rates shown on our Sites are for quoting purposes only, are not an offer of coverage, may not be current, and are not guaranteed. Final premium rates will be determined by the insurance company and are based on individual circumstances. As a result of underwriting, final premium rates may differ from quoted premium rates.
BrokerFish does not issue insurance contracts or bind coverage directly. We do not provide insurance, tax or financial advice nor do we guarantee that any of the agents, brokers and/or insurance companies that we will forward your information to will provide you coverage. All coverages are subject to the terms and conditions in insurance policies issued by our partners. Coverage and availability will vary from country to country and your individual circumstance.Use of Our Services
Your right to access and use BrokerFish.com and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use BrokerFish.com for lawful purposes.
Your access and use of BrokerFish.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of BrokerFish.com or other actions that BrokerFish, in its sole discretion, may elect to take.
See our Intellectual property statement.
The links from this Site to other websites are provided for your information and convenience only. The Company and its affiliated divisions does not assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation. While we do attempt to review the links that we provide, BrokerFish does not review or monitor all such links. Some websites may be outside your country and subject to different regulators and rules. A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents or any products or services advertised or distributed through that website. The Company its subsidiaries, divisions, affiliates and representatives believes that the links which are provided to other publicly accessible websites, webpages, newsgroups and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Without the written consent of the Company no person and no website may make a link to this Site, whether to its homepage or to any internal page.
No framing of this Site or any of its pages is permitted without the expressed written permission of BrokerFish.
The Sites provide certain features which enable users to upload content, which may include text, photos, or any other content submitted by you or other users through the Sites, including any User Information ("User Submissions"), and provide for the hosting, reproduction, distribution, transmission, public performance, and public display of such User Submissions. User Submissions are displayed for informational purposes only and are not controlled by BrokerFish. You understand that all User Submissions are the sole responsibility of the person from whom such User Submission originated. This means that you, and not BrokerFish, are entirely responsible for all User Submissions that you upload, post, e-mail, transmit or otherwise make available through the Sites. This also means that BrokerFish is not responsible to you for User Submissions submitted by other users of the Sites.NO OBLIGATION TO PUBLISH
BrokerFish makes no representations that it will publish or make available on the Sites any User Submissions, and reserves the right, in its sole discretion, to refuse to allow any User Submissions on the Sites, or to remove any User Submission at any time with or without notice. Without limiting the generality of the preceding sentence, BrokerFish complies with the Digital Millennium Copyright Act, and will remove User Submissions upon receipt of a compliant takedown notice.LICENSE GRANT BY YOU TO BROKERFISH
You retain all of your ownership rights in original aspects of your User Submissions. By submitting User Submissions to BrokerFish, you hereby grant BrokerFish and its affiliates, sub-licensees, partners, designees, and assignees of the Sites (collectively, the "BrokerFish Licensees") a worldwide, non-exclusive, fully paid-up, royalty-free, perpetual, irrevocable, sub-licensable, and transferable license to use, reproduce, distribute, modify, transmit, publicly display, and publicly perform your User Submissions and adaptations thereof for any purpose, and to collect, combine, aggregate, and analyze, data related thereto, in each case, in connection with the operation and promotion of the Sites.USER SUBMISSIONS REPRESENTATIONS AND WARRANTIES
You are solely responsible for your own User Submissions and the consequences of posting or publishing them. In connection with User Submissions, you affirm, represent, and warrant that: (1) you own, or have the necessary licenses, rights, consents, and permissions to use and authorize BrokerFish to use all patent, trademark, copyright, or other proprietary rights in and to any and all User Submissions to enable inclusion and use of User Submissions in the Sites in the manner contemplated by these Terms of Service, and to grant the rights and licenses set forth above, and (2) your User Submissions, BrokerFish's or any BrokerFish Licensee's use of such User Submissions pursuant to these Terms of Service, and BrokerFish's or any of BrokerFish Licensee's exercise of the license rights set forth above, do not and will not: (a) infringe, violate, or misappropriate any third party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (b) slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person; (c) violate any applicable law or regulation; or (d) require obtaining a license from or paying fees or royalties to any third party for the exercise of any rights granted in these Terms of Service.ADDITIONAL GRANTS
You grant the BrokerFish Licensees the right to use your name and/or likeness and/or any name and/or likeness that you submit in connection with your User Submissions (including any photo you may submit) if they should choose, without compensation or need for your prior approval, or to exercise any of the rights licensed by you hereunder, in connection with your name, a fictional name or persona, or without any attribution at all. You also agree to irrevocably waive (and cause to be waived) any claims and assertions of moral rights or attribution with respect to any of your User Submissions. You hereby grant the BrokerFish Licensees a non-exclusive, perpetual license to print, publish, broadcast and use, worldwide, in any media and at any time, your name, and any picture, voice, likeness, and/or biographical information you submit to BrokerFish for promotional or commercial purposes without any prior approval or additional compensation.MONITORING
The Company and its subsidiaries, divisions, affiliates or representatives is not obligated to monitor any submissions or transmissions to or through this Site or any website to which this Site links or that links into this Site. The Company and its subsidiaries, divisions, affiliates or representatives, however, reserves the right to monitor the same, including any chat rooms, forums or similar website features. You acknowledge that no obligation of any kind shall be attached to such information and that by submitting or transmitting such information, no confidential, contractually implied or other relationship is created between you and the Company.
The Sites may be used only for lawful purposes by individuals authorized to use the Sites and Services. You are responsible for your own communications and transmissions. You are responsible for the consequences of your communications and transmissions. VIOLATIONS OF SYSTEM OR NETWORK SECURITY MAY RESULT IN CIVIL OR CRIMINAL LIABILITY. WE WILL INVESTIGATE OCCURRENCES AND MAY INVOLVE, AND COOPERATE WITH, LAW ENFORCEMENT AUTHORITIES IN PROSECUTING THE USER OR USERS WHO ARE INVOLVED IN SUCH VIOLATIONS.
By using the Services you agree not to:
Through links, postings, articles, or other elements of the Sites, you may be informed of or receive access to third party services, products, offers, promotions, features, websites, resources, information and the like (referred to herein as “Third-Party Services”). While we strive to provide information regarding reputable and competent product and service providers, you acknowledge and agree that we are not responsible for the availability, quality, or performance of Third-Party Services, and we do not endorse and are not responsible or liable for any content, advertising, representations, opinions, advice, services, products, or other materials that you may receive through such Third-Party Services. BROKERFISH IS NOT LIABLE FOR THE ACTS, ERRORS, OMISSIONS, REPRESENTATIONS, WARRANTIES, BREACHES OR NEGLIGENCE OF ANY SUCH THIRD PARTY SUPPLIERS OR FROM ANY PERSONAL INJURIES, DEATH, PROPERTY DAMAGE, OR OTHER DAMAGES OR EXPENSES RESULTING THEREFROM.
The Sites may also contain hyperlinks to websites operated by Third-Party Service providers or other parties other than BrokerFish. Such hyperlinks are provided solely for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Further, it is up to you to take precautions to ensure that whatever links you select or software you download (whether from the Sites or other websites) is free of such items as viruses, worms, Trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites.
Permission must be granted by us for any type of link to the Sites. To seek our permission, you may write to us at the address below. We reserve the right to deny any request or rescind any permission granted by us to link through such other type of link, and to require termination of any such link to the Sites, at our sole discretion at any time.
If you elect to open an on-line account through any of our Sites, we will be able to provide you with access to password protected portions of the websites. In order to open an on-line account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form, and choose a password and user name. You are entirely responsible for maintaining the confidentiality and security of your password and account and for any and all activities that occur under your account. BrokerFish will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by BrokerFish or other third party due to someone else using your account or password. You may not use anyone else's account at any time, without the prior express permission of that account holder.
BrokerFish reserves the right, at its discretion, to change, modify, add, or remove the terms of this Agreement at any time by posting the amended Agreement to the Sites. Please check back periodically for changes to the Agreement. You agree that you will continue to be bound by this Agreement, however and whenever it is updated, revised, supplemented, modified, or amended. Your continued use of the Sites after the modified Agreement becomes effective constitutes your binding acceptance of such changes. Except as stated elsewhere, amendments to the Agreement will automatically be effective thirty (30) days after initially posted on the Sites, provided however that any dispute that arises under the Agreement shall be resolved according to the terms of the Agreement in place at the time the dispute arose. In the event that a change materially alters your rights or obligations, BrokerFish will use commercially reasonable efforts to notify you of the change, such as by posting a notification to the home page of the Site, or sending a notification to you at the address we have on file for you, if any.
BrokerFish reserves the right, at its sole discretion, to change, modify, add, or remove features of the Sites and to suspend or discontinue any aspect of the Sites at any time without notice to you, including Content (as defined below), hours of availability and graphics. We will not be liable to you or any third party for doing so. We may impose rules for and limitations on use of the Sites or restrict your access to part, or all of the Sites without notice or penalty. We have the right to change these rules or limitations at any time in our sole discretion.
THE SITES INCLUDING THEIR CONTENT AND MATERIALS ARE PROVIDED BY BROKERFISH ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED AS TO THE OPERATION OF THE SITES OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THE SITES, INCLUDING BUT NOT LIMITED TO, QUOTATIONS PROVIDED BY INSURANCE PROVIDERS, ACCESS TO DATA, DATA PROCESSING, ACCURACY, USEFULNESS OF CONTENT OR LOSS OF INFORMATION. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, BROKERFISH EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, WITH RESPECT TO THIS SITE INCLUDING, BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. BROKERFISH DOES NOT WARRANT OR REPRESENT THAT THE FUNCTIONS OR OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE, ITS SERVERS OR ANY E-MAIL SENT FROM BROKERFISH ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES IS AT YOUR SOLE RISK. ANY LINKS TO OTHER WEB SITES ARE PROVIDED SOLELY AS A COURTESY. THEY ARE NOT INTENDED TO NOR DO THEY CONSTITUTE AN ENDORSEMENT BY BROKERFISH OF THE LINKED MATERIALS. BROKERFISH WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THE SITES, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES, EVEN IF BROKERFISH IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN PARTICULAR, WE MAKE NO WARRANTY THAT THE CONTENT OF THE WEBSITE IS ERROR-FREE AND TIMELY WITH ALL UPDATES.
YOU AGREE THAT ALL ACCESS AND USE OF THE SITE AND ITS CONTENTS IS AT YOUR OWN RISK. BY USING THE SITE, YOU ACKNOWLEDGE THAT BROKERFISH SHALL NOT BE LIABLE (WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE) FOR ANY DIRECT, INDIRECT, INCIDENTAL, COMMON LAW, STATUTORY, REGULATORY, CONSEQUENTIAL, COMPENSATORY, PUNITIVE, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR ACCESS TO OR USE OF THE SITE (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) INCLUDING, BUT NOT LIMITED TO, ANY LIABILITY ASSOCIATED WITH ANY VIRUSES WHICH MAY INFECT YOUR COMPUTER EQUIPMENT. CONTENT, SOFTWARE AND TOOLS ON THE SITE PROVIDE YOU WITH ESTIMATES THAT MAY BE DIFFERENT THAN ACTUAL VALUES.
BrokerFish will hold you fully liable in all claims and losses resulting from your use or misuse of the Sites, including, but not limited to any activity related to account information (i.e. user name, password, health information, etc.). You agree to defend, indemnify and hold BrokerFish, its affiliates and their respective employees, directors, partners, contractors, officers, trustee, and other third parties assisting in the operation of the Sites, harmless from and against all claims, liabilities and expenses (including attorney's fees) that may arise from or relate to your use of the Sites, any account set up in connection with the Sites, User Information, your User Submissions (including without limitation any claims from third parties that your User Submissions violate or infringe the intellectual property, publicity, or privacy rights of such third party), violation of the rights of others and/or breach of this Agreement.
This Agreement, and your relationship with BrokerFish under this Agreement, shall be governed by the laws of Malaysia without regard to its conflict or choice of legal provisions. Any dispute with BrokerFish, or its officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the small-claims court and must be commenced within one (1) year after the claim or cause of action arose.
We are authorized and regulated by the Labuan Financial Services Authority (FSA). Granted under the Labuan FSA, we are legally authorized to arrange insurance contracts between customers around the world and international health insurance companies. Our license deems that we are only authorized to provide "administrative insurance services" and not other insurance services such as underwriting. Our insurance brokerage code is BS200863. The Authority publishes annually, no later than 31 March of each year a list of all existing insurance licensees as at 31st December of the preceding year and their license numbers in the "Gazette", and if any license is issued, revoked or surrendered, subsequent to such publication, the Authority shall cause to be published in the Gazette as soon as practical a revised list of all existing insurance licensees and their license numbers. Therefore verification that BrokerFish is a member of the Labuan FSA can be checked by obtaining a copy of the Labuan Gazette or by contacting the Labuan FSA on +6 087 591200. Alternatively you may email or write to them at the following address: Labuan Financial Services Authority (Labuan FSA), Level 17, Main Office Tower, Financial Park Complex, Jalan Merdeka, 87000 Labuan F.T., Malaysia.
A binding contract shall arise between the customer and the insurance company in relation to each international health insurance policy sold by BrokerFish. The insurance company will ratify and confirm if required the sale of the international health insurance policy following notification of that the customer’s application has been accepted by the insurance company and will supply and deliver the Product/Service to the Visitor in accordance with the terms stated in the insurance policy contract.
Amongst other legally binding rules, we are required by law to comply with the Labuan FSA “Conduct of Business" statement relevant to an offshore insurance broker:
Additionally, there are other regulations which we draw your attention to that we are required to comply with:
Further information regarding the rules and regulations that BrokerFish must comply with are detailed within the Labuan Financial Services and Securities Act 2010.
If you send BrokerFish or its employees any ideas for features, modifications, enhancements, refinements, products, technologies, content offerings, promotions, strategies, or product/feature names, or any related documentation, artwork, computer code, diagrams, or other materials ("Feedback"), then regardless of what your accompanying communication says, the following terms shall apply. By sending Feedback to BrokerFish, you agree that:
If you wish to register a complaint then please contact use below:
U0215 Jalan Bahasa, 87014,
Labuan FT, Malaysia.
Tel: +60 (0)3 2011 6900
Effective Date: 01/01/2016
This privacy statement describes how BrokerFish LLC collects and uses the personal information you provide on our Web site: www.brokerfish.com. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.
BrokerFish stresses its privacy and security standards to guard against identity theft and provide security for your personal information. We regularly re-evaluate our privacy and security policies and adapt them as necessary to deal with new challenges.
BrokerFish has received Trust Guard's Privacy Seal signifying that this privacy statement and our practices have been reviewed for compliance with the Trust Guard program viewable on the validation page available by clicking the Trust Guard seal. The Trust Guard program covers only information that is collected through this website www.brokerfish.com, and does not cover information that may be collected through software downloaded from the website.
We also collect the following information from you:
We use this information to:
You may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails or you can contact us at BrokerFish LLC, Brighton Place, U0215 Jalan Bahasa, 87014, Labuan FT, Malaysia or alternatively click here to contact us by email or telephone.
We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties.
These third parties are prohibited from using your personal information for any other purpose. We may also disclose your personal information:
We BrokerFish and our marketing partners, affiliates, or analytics or service providers (not used presently), use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, tracking users’ movements around the website, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual and aggregated basis.COOKIES
We use both session ID cookies and persistent cookies. We use session cookies to define user sessions. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. We use persistent cookies to associate some of our users with affiliate partners. We use session cookies to define user sessions. A session ID cookie expires when you close your browser. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.TRACKING TECHNOLOGIES & THIRD PARTY COOKIES
Our third party partners employ clear gifs (a.k.a. Web Beacons/Web Bugs), images, and scripts that help them better manage content on our site. We do not tie the information gathered to our Customers' or Users' with personally identifiable information.
As is true of most Web sites, we automatically gather information about your computer such as your IP address, browser type, referring/exit pages, and operating system and store it in log files. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We do not link this automatically-collected data to personal information.
We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.
Third parties with whom we partner to provide certain features on our website or to display advertising based upon your web browsing activity also use HTML5 to collect and store information.
Various browsers may offer their own management tools for removing HTML5
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
If you have any questions about security on our Web site, you can contact us at BrokerFish LLC, Brighton Place, U0215 Jalan Bahasa, 87014, Labuan FT, Malaysia or alternatively click here to contact us by email or telephone.
Our Web site includes Social Media Features, such as the Facebook Like button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy statement of the company providing it.
Our Site includes links to other Web sites whose privacy practices may differ from those of BrokerFish LLC. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.
Our Web site offers publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us here. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
If you choose to use our referral service to tell a friend about one of our blog posts, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. BrokerFish does not store this information and uses it for the sole purpose of sending this one-time email.
With your consent we may post your testimonial along with your name. If you want your testimonial removed please contact us at BrokerFish LLC, Brighton Place, U0215 Jalan Bahasa, 87014, Labuan FT, Malaysia or alternatively click here to contact us by email or telephone.
To review and update your personal information to ensure it is accurate, or if you no longer desire our service, you may correct or delete it by contacting us at BrokerFish LLC, Brighton Place, U0215 Jalan Bahasa, 87014, Labuan FT, Malaysia or alternatively click here to contact us by email or telephone. We will respond to your request within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your information to provide you services contact us via the information above. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your inquiries) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.
You can contact us by email or write to us at the address below:
U0215 Jalan Bahasa, 87014,
Labuan FT, Malaysia.
Tel: +60 4296 6491
BrokerFish LLC owns the Site, any information we learn or generate using the Site and use behavior on the Site, and everything available on the Site except User Content. BrokerFish is a registered service mark of BrokerFish LLC. Other service names or marks presented on the Sites are service marks of BrokerFish LLC. or its affiliates, except for those of insurance carriers, brokers, agents, industry organizations, service providers and educational institutions, which are service marks of their respective entities. The names, trademarks, service marks and logos of BrokerFish and any of the insurance companies represented by BrokerFish may not be used by you in any advertising or publicity, or otherwise to indicate our sponsorship of or affiliation with any third-party product or service, without BrokerFish's prior express written permission. The Content (as defined below) presented on BrokerFish.com is that of BrokerFish, and not necessarily that of the participating insurance carriers. The Content presented by insurance carriers, brokers, agents, industry organizations, service providers and educational institutions, is solely that of the respective entity providing the Content.
All text, software (including source and object codes), data, information, visual, oral or other digital material, and all other content of any description available on our website or included in any Services we offer (collectively, the “Content”), and all worldwide copyrights, trademarks, service marks, patents, patent registration rights, trade secrets, know-how, database rights and all other rights in or relating to the Content (collectively, the “Intellectual Property”) are owned by BrokerFish, its affiliates or third parties who have given BrokerFish permission to use it.USER LICENSE
Subject to your full and ongoing compliance with all the terms and conditions of this Agreement, BrokerFish hereby grants you a personal, non-exclusive, non-transferable, non-sub-licensable, license to access and make personal use of this website. Except as otherwise permitted in this Agreement you may not use, download (other than page caching), upload, reproduce, reuse, sell, supplement, delete, transmit, post, redistribute, used to create a derivative work or otherwise used for public or commercial purposes or modify the Sites, or any portion of them. The permission granted does not include any resale or commercial use of the Sites or their Contents; any collection and use of any information, product listings, descriptions, or prices; any derivative use of the Sites or their Contents; or any use of data mining, robots or spiders, or similar automatic / manual device or data gathering and extraction tools to monitor or copy our pages or the content contained herein without prior expressed written permission. No portion of the Sites may be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including Content and other images, text, page layout, or form) of the BrokerFish brand, BrokerFish or its affiliates without ours or their express written consent. You may not use any meta-tags or any other "hidden text" utilizing any of BrokerFish 's name(s) or service marks. Any unauthorized use terminates any permission granted by BrokerFish. You further agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted on our Site.
You may download information from our Sites and print out a hard copy for your personal use provided that you keep intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from the Sites, in whole or in part, including any text, images, audio, and video in any manner. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by BrokerFish in writing. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.
Neither BrokerFish nor its affiliates warrant or represent that your use of any Content or any other materials displayed on this website will not infringe on any rights of third parties.
You may only use the Content and the Intellectual Property, access our Sites and use any services we provide through our Sites solely as expressly permitted in this Agreement and for no other purposes.COPYRIGHT OWNERS
If you are a copyright owner or an agent thereof, and you believe any content submitted to and hosted on the Sites infringes your copyrights, then you may submit a written takedown notice that complies with the Digital Millennium Copyright Act (or any other applicable copyright law), as amended (‘DMCA’) to BrokerFish with the following information:
Please consult your legal counsel to confirm these requirements and your compliance therewith. It is BrokerFish's policy to respond to notices of alleged infringement that comply with the DMCA and similar applicable copyright law.
Notifications and counter-notifications regarding claimed infringement can be sent to BrokerFish as follows: Attention: Copyright Notices, BrokerFish, Inc., a Points Health Group company, by electronic mail at [email protected]. For clarity, only DMCA notices should go to the Designated Copyright Agent. Any other feedback, comments, requests for technical support or other communications should be directed to BrokerFish customer service through [email protected].COPYRIGHT STATEMENT
©2016 BrokerFish LLC, Inc. All Rights Reserved.
This web site and all of its content are owned and operated by BrokerFish LLC, a Points Health Group company. The insurance services described on this web site are provided by BrokerFish LLC. BrokerFish LLC is a Labuan, Malaysia resident insurance agency. BrokerFish LLC is also licensed as a non-resident insurance broker, or otherwise authorized to transact business as an insurance broker, in a number of other countries.
DO NOT CANCEL YOUR CURRENT INSURANCE POLICY UNTIL YOU RECEIVE YOUR NEW CHOSEN POLICY START DATE, AND HAVE READ, UNDERSTOOD, AND AGREED WITH ITS TERMS AND CONDITIONS. PAYING ATTENTION TO THE POLICY START DATE, TOTAL PREMIUM TO PAY, ITS WAITING PERIODS, BENEFIT LIMITS, DEFINITIONS, EXCLUSIONS, OPTIONS AND DEDUCTIBLE.GENERAL
It is important to make a full disclosure of any requested information at application, including any related medical history. An insurer may request additional information to assess an application, and the underwriter may apply special terms, a premium loading or decline the application;
These products are designed to meet the general demands and needs of a typical customer who is concerned about obtaining some insurance protection from the high cost of unexpected medical costs overseas. These products are provided on a non-advised basis (unless you have consulted with one of our qualified consultants) and may not be suitable for all customers’ demands and needs. Further details of the benefits can be found in the policy wording;
BrokerFish has summarized insurer's benefits for information purposes only. Please read the policy wording for details regarding its eligibility requirements, coverage terms and conditions, cancelation terms and procedure and pre-existing condition exclusions carefully before purchasing coverage. Policy brochures and wordings are available to download and upon request;
Insurance companies reserve the right to change the terms of a policy upon notification;
The insurance contract you are purchasing is construed under the law of the insurer’s registered and regulated jurisdiction. Please see policy wording for details;
The insurer is regulated and authorised by its registered jurisdiction. Please see policy wording for details;
This notice does not form part of the terms and conditions of your policy.PREMIUMS
* Monthly premiums quoted are estimates only. Your actual premium may change due to your medical history, your underwriting type, any chosen options, your payment frequency, payment method, local taxes, your preferred area of cover, and if the insurer changes their premiums before your policy start date;
Late or Unpaid premium instalments can result in your policy cover being suspended or cancelled. It is important to update your insurer with any new card details as soon as possible. A late payment may require a policy to be re-underwritten; resulting in new terms being applied to the policy or it may be refused to be accepted.
Your policy renewal premium may increase due to medical inflation. This can depend upon the cover level, policy currency and your resident country, and is affected by factors including the rising cost of medications, development of new technologies and treatments, lifestyle factors of members such as obesity and rising cancer rates and life expectancies;LOCAL COMPLIANCE
The policy you chose may not satisfy the visa or other immigration law requirements of your country of residence. Please note that it is your responsibility to ensure that you are compliant with the statutory health insurance requirements of your country of residence, and we recommend you seek independent, expert advice on this matter before taking out a contract via us. If resident in Saudi Arabia or the UAE, claims settlement may need to be paid to a bank account in another country;
US Nationals & Affordable Care Act (Obamacare): Significant provisions of the US Patient Protection and Affordable Care Act ("PPACA") came into effect on 1st January 2014. These provisions include a mandate requiring US citizens to hold qualifying health insurance coverage. Please note that your International Health plan may not satisfy the requirements imposed on US citizens under the PPACA. The extent to which the provisions of the PPACA affects US citizens living abroad will depend upon your personal circumstances. We are unable to offer advice regarding the legal and/or financial implications of the PPACA and you may therefore wish to make enquiries with the appropriate authorities in the US or take advice from a US financial or legal advisor;
Germany Residents: The cover provided by your chosen insurer is suitable if your stay in Germany is temporary, or serves a temporary purpose. It is not suitable for residents of Germany. We recommend you seek independent, expert advice on this matter before taking out a contract via us. Please note that it is your responsibility to ensure that you are compliant with the statutory German health insurance requirements. Note we have a German Resident compliant policy so call us directly about this;AREA OF COVER
Please pay careful attention to the Area of coverage you are selecting when applying for a policy. Some insurers exclude certain countries from elective treatment, and limit accident and emergency treatment to a certain number of days per trip or during a policy year. The plan provides health coverage at your choice of medical provider within your chosen Area of Cover;
There may be conditions on the policy and its renewal regarding cover in the USA, or if you are in the USA when applying for the policy. Please review these eligibility conditions and any associated conditions prior to purchase.APPLICATION
Do not apply for a policy until you have read its current supporting policy documents;
The applicant must complete the application. You are solely responsible for its accuracy and completeness. It is important to make a full disclosure of any requested information at application, including any related medical history and to answer all the appropriate questions to help prevent any delay in processing. An insurer may request additional information to assess an application, and the underwriter may apply special terms, a premium loading or decline the application;
The applicant must make any investigation necessary to assure accuracy of all statements for all family dependents including minors on the application, including verifying any statements relating to a family dependent age 18 or over with them so that full and accurate information is provided. The applicant accepts full legal and financial responsibility for the information provided on the application. In addition, if any dependent minors does not reside with the applicant, the custodial parent or guardian must complete the health related questions for them and sign the application to accept legal responsibility for complete disclosure of their health information. Should the responsible adult not be a natural parent, please submit supporting papers authorizing guardianship;
If your application is approved, any intentional misstatements or omissions may result in future claims being denied and the plan being rescinded from its inception date;
Please use ages of members to be insured according to your planned policy start date;
Dependent children may be required to apply separately from a certain age, even if in full-time education;
Your insurance will become effective if the application is approved as applied for, the appropriate premium is provided, and any other specific conditions are met. No benefits are payable if the application is rejected, and the processing of a premium payment does not constitute approval of an application or create a policy;
If accepted the application becomes part of an agreement between yourself and the insurance provider;
Should an insurer require additional information to be provided as part of the underwriting process, the applicant is responsible for any fees the medical provider charges to release these to the insurer;
BrokerFish has no authority to promise coverage or to modify the terms or underwriting of the policy for the applicant;FRAUD
Any person who knowingly and with intent to defraud or deceive any insurance company submits an insurance application or statement of claim containing any false, incomplete or misleading information may be subject to civil or criminal penalties, depending upon applicable law.AUTHORIZATION
The submission of an application often authorises a medical practitioner to share your family medical information with the insurance provider regarding past or present medical or mental conditions, or any examinations or treatments. This is to help the insurance provider assess the applicationUNDERWRITING
To minimize any application underwriting time, please check the application does not omit or provide incomplete information regarding the applicant’s weight and height, date of birth, supporting comments regarding medical information, complete mailing address;
For non-Fast-Apply policies, the underwriting process can take from 10 days up to 60 days depending upon the details;
If a child is born to the participant the child often has to be registered within 31 days. Children other than new-born must go through underwriting.EFFECTIVE DATE
Do not cancel your current insurance policy until you receive your new chosen policy start date, and have read, understood, and agreed with its terms and conditions. Paying attention to the policy start date, total premium to pay, its waiting periods, benefit limits, definitions, exclusions, options and deductible;
Requesting an effective date does not guarantee underwriting to be completed before the date requested.BILLING DATES
You will be charged according to the insurer’s terms. This can be the 1st of each month (if paying monthly), or the 1st of the payment frequency month. Other insurers may bill according to the payment frequency from the effective start date of your policy.MEDICAL PROVIDERS
Some insurers may list medical providers on their websites, which is for information purposes only, and is not a recommendation. We accept no responsibility or liability for your use of their information. Insurers do not guarantee availability of a medical provider, and direct-billing arrangements with medical providers can change without notice. Please check with your insurer and medical provider regarding their direct-billing arrangements prior to treatment;CANCELING
To cancel a policy mid-policy year, please read the policy wording relating to this. Many insurers do not allow you to cancel a policy during the policy year; however some insurers allow you to submit a cancelation form during the policy year, however they may charge an admin fee for cancelling the policy mid-policy year;RENEWAL
At renewal, please reference the insurer's information relating to changes to the policy, including its benefits, administration procedures, exclusions, definitions or new options. Family members may have crossed to a higher age bracket, resulting in a higher than expected premium increase;
Your insurer may automatically renew your policy as per their policy wording; however some insurers request you submit confirmation of this point by email or an online form prior to the renewal date. To cancel a policy at renewal the insurer may request you write to them directly prior to your renewalCONDITION
In no event shall BrokerFish have any liability to the applicant if the application is not approved, and neither shall any coverage exist nor shall the applicant be entitled to any benefits unless and until their application is approved by the insurance provider.
BrokerFish LLC is registered in Labuan, Malaysia (company number LL06640) under the Labuan Companies Act 1990. BrokerFish’s operations are regulated and supervised by the Labuan Financial Services Authority (LABUAN FSA) License Number BS200863 and are subject to the legislation of the Labuan Financial Services and Securities Act 2010.
LABUAN FSA was established as a single regulatory agency on 15th February 1996 and is responsible for the supervision of activities and operations of the financial services industry in Labuan. This regulation includes the following safeguards:
All insurance quotes and products are offered through BrokerFish, LLC, a Labuan, Malaysia registered insurance broker (Labuan FSA. BS200863) which is licensed as a non-resident broker or otherwise authorized to transact business as an insurance agency in other jurisdictions. Collectively, BrokerFish (and/or an officer of BrokerFish) are licensed in good standing in the following countries.
|JURISDICTION||GEOGRAPHIC LICENSING||REGULATOR||LICENSE NUMBER|
|Labuan, Malaysia||Worldwide Non-Admitted Policy Sales||Labuan Financial Services Authority||BS200863|
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