NACHP TERMS AND CONDITIONS

1. Member understands that NACHP is not an insurance company or program. Accident Benefit, Hospital Indemnity, Accident Disability & Critical Illness payments are made by the administrator for the insurance company issuing the blanket coverage to Members.

2. NACHP provides savings to its members on services through a number of sources. The current list of benefits may be modified through additions or deletions. Postings on our website or e-mails, will keep members up to date on benefits and other pertinent information.

3. Payments for the NACHP PowerPlan are due in advance. Payments will be drafted on or about the due date. If you choose to cancel your program, it is your responsibility to make sure that a written request (EMAIL, FAX OR LETTER) for cancellation IS sent to NACHP at least 30 days prior to the anniversary of your effective date in order for your account not to be charged for additional fees.

4. Member hereby appoints, National Alliance of Consumers and Healthcare Professionals (NACHP) Secretary, or failing this person, an alternate Director, as proxy holder for and on behalf of the member with the power of substitution to attend, act and vote for and on behalf of the member in respect of all matters that may properly come before the meeting of the members of NACHP and at every adjournment thereof, to the same extent and with the same powers as if the undersigned member were present at the said meeting, or any adjournment thereof. Annual meetings are to be held in Missouri.

5. NACHP reserves the right to terminate any enrollment or deny eligibility in the program for lack of payment to NACHP. Returned checks, insufficient notices on bank drafts or denial by the member's credit card company for payment of the membership fee is deemed to be evidence of non-payment by a member. There will be a $25.00 charge to be reinstated in the program after such denial and at the sole discretion of NACHP. Member must wait 6 months before he or she can reapply for membership once membership has been terminated.

6. In the event of any dispute, member agrees to resolve said dispute solely by binding arbitration that shall be governed by the laws of the state of Missouri and enforceable at Chesterfield, St Louis County.

7. Membership cancelled within the first 30 days of the enrollment date may be eligible for refund if a written cancellation request is sent to NACHP. The administrative fee is not refundable. Approved refunds will be processed approximately 30 days after cancellation.

8. Membership is effective on the 1st OR 15TH of the month following membership acceptance by NACHP.

Member Agreement:

By signing and initialing membership enrollment form, Member expresses desire to become a member of the National Alliance of Consumers and Healthcare Professionals. Member acknowledges that the plans ARE NOT COMPREHENSIVE INSURANCE, but membership includes certain limited supplemental insured coverage's. Membership benefits are not a replacement for health insurance coverage nor are they intended as a substitute for health insurance coverage. Membership fees may change for all members, but not individually, with notification.