When you use and/or download information, software or documents from these websites, you expressly agree to the following conditions:

The offers on the website are intended exclusively for Novartis associates. Consultation is provided according to objective criteria, based on the information received from you. You bear sole responsibility for the final decision whether or not to conclude an insurance agreement.

These web pages serve to communicate information. They do not constitute offers in the legal sense. They are designed and developed to the best of our knowledge, but there is no guarantee that the information, software, documents or other details conveyed on these pages are correct and complete. For binding information, please refer to the relevant regulations, policies and general insurance conditions.

We do not accept any liability for any direct, indirect or consequential losses arising from the use of software, information or material on our website or from links to other websites.

Otherwise the same legal disclaimers apply to these web pages as to the Novartis website