1. Scope of Services
The App provides access to healthcare and wellness services facilitated by SANAD Assist through selected Service Providers, including but not limited to:
- Teleconsultation with licensed doctors.
- Optional Second Medical Opinion (SMO) from external specialists.
- Optional Home Country Treatment (HCT) / Medical Tourism facilitation for treatment outside your current country of residence.
- Chronic Disease Management (CDM).
- Digital Health Assessments (where applicable).
Services are delivered in accordance with your insurance plan or membership benefits. Some services may be free for eligible members; others may be charged on a pay-per-use basis.
2. Clinical Oversight
- All consultations are conducted by licensed healthcare professionals exercising independent clinical judgment.
- For SMO and HCT/Medical Tourism, SANAD Assist acts as a facilitator and is not responsible for clinical outcomes or decisions made by external specialists or hospitals.
- Providers may recommend in-person care when deemed necessary.
- Prescriptions are issued only when medically justified and in line with applicable regulations in the Provider's jurisdiction.
- Teleconsultation services are not available directly to patients under the age of legal medical consent in their jurisdiction. A parent or legal guardian must provide consent and be present (or immediately available) during any consultation with a minor. Where local laws restrict or prohibit remote care for minors, services will not be provided.
3. Data Sharing & Privacy
By using the App, you consent to:
- Secure sharing of your medical records, reports, and relevant personal data with selected Providers, external specialists, or hospitals, including across borders, to deliver the requested services.
- Use of your data for service delivery, quality assurance, and operational purposes, in accordance with applicable privacy and data protection laws.
- Retention of your data for as long as legally required or operationally necessary for service delivery.
4. Payments & Charges
- Eligible members may access certain services at no additional cost, as determined by SANAD Assist.
- Optional services such as SMO, HCT, specialist consultations, travel, accommodation, or treatment costs are your responsibility unless covered by a valid Guarantee of Payment (GOP) from your insurer.
- Payments must be made via approved secure channels before service initiation, unless otherwise agreed.
- VAT/taxes may apply as per local laws.
5. Refund Policy
- Refunds (if applicable) will be processed to the original payment method.
- Services provided through your insurance or employer plan are covered as per their terms.
- Additional services (e.g., subscriptions, second opinions) may require direct payment.
- Paid services are non-refundable once delivered.
- If a service is unused and cancelled within 7 days, a partial refund may be processed (excluding bank or transaction fees).
- No refund is available for services involving third-party coordination after initiation.
- Costs already incurred for services rendered (e.g., consultations, document processing) are non-refundable.
6. Use of the App
- You are granted a non-exclusive, limited license to use the App for personal healthcare purposes.
- Commercial misuse, reverse engineering, or unauthorized access is prohibited.
- Compatibility with all devices is not guaranteed.
7. Third-Party Services
- Your device manufacturer, network provider, or payment gateway may apply separate terms and fees, which are your responsibility.
8. Limitation of Liability
- SANAD Assist and Service Providers are not liable for delays, connectivity issues, or service interruptions beyond their control.
- Recommendations for SMO or HCT are advisory; the decision to proceed rests solely with you.
9. Governing Law
- These Terms are governed by the laws of the Kingdom of Bahrain. Disputes are subject to the exclusive jurisdiction of local courts.
10. Acceptance of Terms
- By registering on the App or using any service, you confirm that you have read, understood, and agreed to these Terms & Conditions.