The following terms and conditions shall govern the provision of medical assistance to You (the “Member”) in terms of the agreement entered into between Pre-Secure and SES.

Pre-Secure and SES recommend that qualifying customers do not cancel any existing medical insurance covers or arrangements that they might have without first seeking professional advice.

Pre-Secure and SES recommend that qualifying customers do not cancel any existing medical insurance covers or arrangements that they might have without first seeking professional advice.

You will be able to call SES on the designated number (737), and SES will respond, in a Medical Emergency, with an Ambulance Response Service.

1. The Ambulance Response Service is available in Lusaka only.
2. SES will only respond up to a radius of 50km from the central post offices, as the crow flies.
3. Any calls made by You to SES will be billed at normal rates by the caller’s network provider.
4. This service is based on availability which shall be monitored through a Triage method.
5. All calls made by SES to You are paid for by SES.
6. Ambulance will only respond to a valid Pre-Secure client.
7. This service is available to the member and his or her immediate family (definition parents, spouse, parents of spouse, children.
8. Family and friends visiting you and is on your property when the incident took place will also be entitled to ambulance response

1. As the Assistance provided by this agreement is to be rendered by SES on behalf of Pre-Secure to You, Pre-Secure shall not be liable to You for loss or damage of whatsoever nature sustained by You as a result of the failure, for whatsoever reason, of SES to render Assistance in terms of this agreement timeously or at all or as a result of the manner in which such Assistance may be rendered by or on behalf of Pre-secure or from any other cause whatsoever, including negligence, omission and willful default.
2. Pre-secure shall not be liable to You for the loss and damage caused or attributed to the negligence (whether gross or otherwise), wrongful acts and/or omissions of any of the Doctors, paramedics, nursing staff or other health care professionals or other persons, whether or not being in the employment of SES, who may provide direct or indirect services to You in terms of this agreement.
3. Neither Pre-secure nor any person required to render Assistance hereunder shall have any liability to You, your heirs or executors, arising out of the failure to render Assistance or any delay in the rendering of such assistance, where such failure or delay is caused by vis major, force majeure, adverse weather conditions, strikes, lockout, labour disputes or unrest, riot or civil commotion and/or the refusal of a governmental/provincial or local authority to grant or allow the use of its services or facilities or where local laws, regulations or functionaries limit the capacity of SES or any person to render such Assistance.
4. Compliance by You with the terms and conditions of this agreement shall be a condition precedent to any entitlement to Assistance hereunder.
5. Pre-secure and SES shall not be liable in terms of this agreement for consequential loss of any kind.
6. You shall not be entitled to cede, transfer or assign any of your rights to Assistance in terms of these standard conditions.
7. Pre-secure and SES may, in consultation and by agreement, amend any of these terms and conditions at which time such amendment shall become effective and binding on You. Such amendment shall not constitute a novation of the terms hereof.
8. These terms and conditions contain the entire agreement between You and Pre-Secure and neither party shall be bound by any undertakings, representations or warranties not recorded herein.
9. No indulgence, latitude or extension of time either party (the grantor) may grant or show to the other shall constitute a novation of the terms and conditions, nor shall it in any way prejudice the grantor or preclude the grantor from exercising any of his rights in the future.
10. Pre-secure has the right, at its discretion, to cancel or remove this service with 30 days notice
11. The headings appearing in this agreement have been used for reference purposes only and shall not affect its interpretation.
12. Unless the context clearly indicates the contrary intention, words importing -
1. any one gender shall include the other;
2. the singular shall include the plural and vice versa;

• "Acute Illness" shall mean any sudden and unforeseen deterioration of health which may in certain circumstances be potentially life threatening.
• "Ambulance response" The response to a emergency with a fully equipped ALS or ILS ambulance to the scence of the incident
• "Bodily Injury" shall mean any accidental, sudden, unforeseen and severe or violent Physical Injury which is potentially life threatening and occurs at an identifiable time and place.
• "Doctor(s)" shall mean a person who:
• is a registered medical practitioner, duly qualified and licensed to practice medicine;
• is acting within the scope of his/her license;
• "Emergency Care" means the rescue, evaluation, treatment and care of an ill or injured person in an emergency or medical crisis situation and the continuation of treatment and care during the transportation of such person to, or between, health establishments.
• "Emergency Care personnel" means persons registered with HPCZ as Emergency Care officers who provide Emergency Care to the person, with level of skill as Advanced Life Support, Intermediate Life Support and Basic Life Support.
• " “First Aid" is the assistance given to any person suffering a sudden illness or injury, with care provided to preserve life, prevent the condition from worsening, and/or promote recovery.
• "HPCZ" is the Health Professions Council of Zambia
• "Medical Emergency" shall mean any incident resulting in Bodily Injury or Acute Illness as defined herein, where, in the opinion of SES, the Member requires urgent ambulance response, hospitalisation and/or treatment.
• "SES" Specialty Emergency Services
• "SES Guide lines" shall mean any treatment and, which has been set up and approved by SES for both primary healthcare and emergency medicine.
• "Triage" means the process of determining the priority of patients based on the severity of the condition.