Art 22. Cover by third parties
22.1 Where there is cover by another insurance policy or healthcare plan, this must be disclosed to the Company when claiming reimbursement, and the cover under this insurance shall be secondary to any such other insurance policy or healthcare plan.
22.2 In these circumstances, the Company will co-ordinate payments with other companies and the Company will not be liable for more than its rateable proportion.
22.3 If the claim has been covered in whole or in part by any scheme, program or similar, funded by any Government, the Company shall not be liable for the amount covered.
22.4 The policyholder and any insured person undertake to co-operate with the Company and to notify the Company immediately of any claim or right of action against third parties.
22.5 Furthermore, the policyholder and any insured person shall keep the Company fully informed and will take any reasonable steps in making a claim upon another party and to safeguard the interests of the Company.
22.6 In any event, the Company shall have the full right of subrogation.
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