Terms & Conditions

Terms of Your SteppHealth 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 and wellness features under Your "SteppHealth Plan", a service that is provided to You by SteppHealth Private Limited ("Company/We/Us/Our"), having its corporate office at Wework Vaishnavi, Bellandur, Bangalore, Karnataka, 560103.

INTRODUCTION: We help You access various healthcare and wellness services to improve Your health and well-being and prevent situations leading up to any hospitalisation ("Managed Care"). Our doctors and in-house specialists, as approved or empanelled with Us ("Family Doctors"), will provide best-in-class curated programmes, teleconsultations and video consultations. You have subscribed to the SteppHealth Plan and its services are available to You on Our website if You have paid the applicable monthly/yearly subscription ("Membership Fees").

Under Your SteppHealth Plan, You can:

• access various Managed Care services by becoming an "SteppHealth Ahead" member;

• along with Managed Care, avail an optional Wellness benefit for in-patient hospitalisation ("IPD") and day care expenses for cancer treatment by becoming an "SteppHealth Up" member;

• along with Managed Care, avail an optional wellness benefit for out-patient hospitalisation ("OPD") , for cancer treatment by becoming an "SteppHealth Plus" member;

Under Your SteppHealth Plan (for SteppHealth Up and SteppHealth Plus members), We provide You facility of a wide network of doctors, specialists, hospitals and other healthcare providers ("Healthcare Partners"), empanelled with Stepphealth's network of providers for cancer treatment. 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 SteppHealth.com as well as at https://SteppHealth.com/files/SteppHealth-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 SteppHealth 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 – SteppHealth Membership

1.2 Managed Care: The Managed Care features of Your SteppHealth Plan will provide You access to medical consultations with SteppHealth Doctors to improve Your health and well-being and prevent situations leading up to any hospitalisation. The Managed Care facility is available to all the SteppHealth Plan members i.e. SteppHealth Ahead, SteppHealth Up and SteppHealth Plus members.

1.3 OPD: If You are an SteppHealth Up member, then along with Managed Care (i.e. the SteppHealth Ahead membership), You will also be reimbursed for consultations, treatments and examinations from Healthcare Partners for cancer treatment, which do not require hospitalisation and day care treatment. The OPD services remain subject to the terms, conditions and exclusions of the SteppHealth Plan, which are linked to here: https://SteppHealth.in/files/SteppHealth-Plans-Overview.pdf

1.4 IPD: If You are an SteppHealth Up or SteppHealth Plus member then along with the Managed Care membership, You will also be protected from costs of treatment requiring hospitalisation and day care services for cancer treatment. IPD and day care services provided to You under Your SteppHealth Up or SteppHealth Plus Plan will include hospitalisation costs reimbursement facility from a wide network of doctors and hospitals in India and certain day-care procedures (which do not need You to stay at the hospital overnight) from Healthcare Partners for cancer treatment. The IPD services remain subject to the terms, conditions and exclusions of the SteppHealth plan, which are linked to here: https://SteppHealth.in/files/SteppHealth-Plans-Overview.pdf.

IPD and OPD Wellness benefit

1.5 The limit for the wellness benefit is available on a individual basis for any one or all (for SteppHealth Ahead/SteppHealth Up/SteppHealth Plus members who are in the same SteppHealth account) for all hospitalisations arising during the membership period, and is 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 reimbursement settlement under the SteppHealth plan, You shall co-operate and provide the same to Us.

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Membership

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

1.8 In case of SteppHealth Ahead, SteppHealth Up and SteppHealth Plus members, where services are not available on a cashless basis, You may claim a reimbursement upon providing supporting documentation to Us. This may typically be due to:

1. A medical emergency faced by You, which may be included under Your SteppHealth Plan once SteppHealth Doctors are able to assess the treatment taken;

2. Us needing to further assess Your request;

3. Technical reasons faced by Us. Please note that if a reimbursement is requested without having first sought pre-approval, from SteppHealth, and not for one of the reasons above, the reimbursement request may be denied.

1.9 The broad procedure for availing any features under Your SteppHealth Plan is as follows:

Step 1: You are required to book a consultation with SteppHealth Doctors on the SteppHealth Website for their preliminary advice/prescription. In accordance with Your medical condition, symptoms and the SteppHealth Plan taken by You, SteppHealth Doctors will recommend You for a relevant Managed Care service or OPD/IPD service.

Step 2: Upon receiving such recommendation, (a) SteppHealth Ahead/SteppHealth Up/SteppHealth Plus members, will avail teleconsultation covered under the Managed Care from recommended SteppHealth Doctor. (b) SteppHealth Ahead, SteppHealth Up and SteppHealth Plus members may additionally avail OPD/IPD (depending on the selected plan) services from the Healthcare Partner recommended by Us.

Step 3: For availing OPD/IPD service at the approved Healthcare Partner. You may avail the treatment by visiting the selected facility and connect with SteppHealth and provide supporting documentation in case of IPD services, or, in case of OPD services and where pre-approval is granted, initiate payment settlement through the SteppHealth Website. Before using any further OPD/IPD services, You shall be required to submit all required proofs, consultation etc, to SteppHealth. It is recommended to always coordinate with SteppHealth prior to any medical procedure or claim in order to simplify the claims process and the communication with the Healthcare Partners.

RIGHTS AND DUTIES OF THE PARTIES

Please note that the Parties have the following rights and obligations under this Agreement:

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

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

1.12 At the time of availing the Managed Care services under Your SteppHealth Plan, if You are not satisfied with the consultation of SteppHealth primary care doctors, You are allowed to take second opinion from up to two super-specialists doctors for the same health issue without unnecessary repetition of same tests and prescription, provided SteppHealth 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.

1.13 We are not responsible for the outcome or result of any treatments, or the quality of care provided by any Healthcare Partner. Additionally, by way of this Agreement or otherwise, 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 made by any doctors or any other personnel at any Healthcare Partner, other than those of SteppHealth Doctors.

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

1.15 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.

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

1.17 All calls between You and SteppHealth will be recorded for quality, training, and compliance purposes. Terms & Conditions – SteppHealth Membership

TELEMEDICINE TERMS AND CONDITIONS

1.18 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.

1.19 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 or unintentional corruption.

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

1.21 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 of telemedicine which identifies you will be disclosed to researchers or other entities without your consent.

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

1.23 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 of this information for a reasonable fee.

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

1.25 You understand that telemedicine may involve electronic communication of your personal medical information to relevant medical practitioners who may be located in different parts of the world.

1.26 You understand that it is your duty to inform an SteppHealth physician/specialist/physiotherapist/dietician/psychologist/healthcare provider of Terms & Conditions – SteppHealth Membership electronic interactions regarding your care that you may have with other healthcare providers.

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

MEMBERSHIP FEES

1.33 You are required to pay Your Membership Fees (SteppHealth Ahead, SteppHealth Up and SteppHealth Plus members) for Your SteppHealth Plan in advance. Details of the available payment schedules, prices, and payment options for any SteppHealth Plan are specified on SteppHealth.com.

1.34 The duration of any SteppHealth Plan (for SteppHealth Ahead, SteppHealth Up and SteppHealth Plus) shall be limited to the period for which Membership Fees is received in advance, including by way of monthly instalments or otherwise.

CANCELLATION OF MEMBERSHIP

1.35 We will provide You a no-questions-asked refund of Your SteppHealth Plan in the first 15 days of your first subscription to Your SteppHealth Plan, including any Membership Fees paid towards

SteppHealth Ahead, SteppHealth Up and SteppHealth Plus. You may please review the terms and conditions of Your SteppHealth Plan, as applicable, during this period. If any Managed Care services are availed or wellness benefit is claimed during this period (for SteppHealth Ahead, SteppHealth Up and SteppHealth 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 SteppHealth Plan, choose to opt-out of the SteppHealth Plan by intimating Us in writing. Consequently, We will cancel Your SteppHealth Plan (for SteppHealth Ahead, SteppHealth Up and SteppHealth Plus) and provide a refund in the manner set out on your SteppHealth-issued Plan document (an overview can be found here: https://SteppHealth.in/files/SteppHealth-Plans-Overview.pdf).

1.37 If it is discovered that any information provided by You at the time of subscribing SteppHealth Plan or during the SteppHealth Plan was untrue, inaccurate, incomplete, suppressed or not disclosed (wilfully or otherwise) or in the Event of any dishonest or fraudulent activity being discovered by Us then Your SteppHealth Plan may be cancelled, without refund. You shall extend all reasonable cooperation with Us or Our associates (including any third-parties involved in the investigation) 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 your Membership without refund.

1.38 We reserve the right to cancel Your subscription to the SteppHealth Plan, and permanently suspend access to any Managed Care services with no refund of the Membership Fees. Your SteppHealth Plan may be terminated without refund in the following cases:

(a) if You are convicted under the Indian Penal Code as the perpetrator of a crime, during the tenure of Your SteppHealth 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 of Your health, or in case You refuse to carry out any medical tests or investigations that may be required by Us which may help Us establish the state of Your health.

(c) In case of verbal or physical abuse, harassment and/or threats towards any member of the SteppHealth staff, or any SteppHealth collaborators (including Our Healthcare, and investigation Partners).

(d) In case of persistent misuse of our services, including but not limited to last minute 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 SteppHealth Plan, after a grace period of 15 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 15 day grace period, Your subscription will lapse and Your SteppHealth Plan shall be cancelled.

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

CONFIDENTIALITY

1.41 We agree to keep all Your information confidential, subject to the terms of this Agreement. We shall not, without obtaining Your written consent, disclose such information, including any medical information, to any third parties except Healthcare Partners for any purposes other than for SteppHealth’s internal research and scientific assessment and those contemplated under this Agreement. 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 the applicable law or orders of any court or governmental or regulatory body.

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.

1.44 Assignment: You shall not assign any of its rights and obligations under this Agreement, except with Our prior written consent. Terms & Conditions – SteppHealth Membership

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 the performance of any duties and obligations under this Agreement if such failure or delay is caused by natural disasters, strikes, lock-outs, embargoes, war, riots, civil commotion, 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 SteppHealth Plan, Our operations, or any other changes relevant to Your subscription of the SteppHealth Plan. All up to date information about Our services can be accessed on the SteppHealth App and Our website at SteppHealth.in.

DECLARATIONS

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

1.48 All the information and declarations provided to SteppHealth are true, 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 SteppHealth Plan membership, I freely consent to SteppHealth 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 anything which affects my physical and mental health) providing SteppHealth with my medical information and records for the purpose of reviewing my eligibility to the SteppHealth Plan and the provision of any services thereunder.

1.50 I grant SteppHealth 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 SteppHealth to process, use, store, disclose and transfer 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 to me, billing, conducting background screening, investigations, and carrying out any other activity related or incidental thereto, subject always to the requirements under the Information Technology Act 2000 or any other applicable law in force.

1.52 By opting for the SteppHealth Plan membership, I hereby give my informed consent for the use of telemedicine in my medical care. I confirm that I have read and understood the information provided above regarding telemedicine. I hereby authorise physicians/specialists/physiotherapists/dieticians/psychologists/healthcare providers at SteppHealth Healthcare Private Limited to use telemedicine in the course of my diagnosis and treatment. Terms & Conditions – SteppHealth Membership SteppHealth Healthcare Private Limited

END OF DOCUMENT Terms & Conditions – SteppHealth Membership