Privacy Policy

Care Health Insurance is committed to protecting your privacy and ensuring confidentiality of your information. Care Health collects information in accordance with applicable laws and takes all necessary precautions to preserve the integrity and prevent any corruption, loss, damage or destruction of the data and information. This privacy policy provides information on how we collect, use, disclose your personal information. It also provides information on your rights.

Collection of Information

Personal Information (PI)

• Name
• Age
• Date of birth
• Gender
• Contact information (phone number, Email ID, address)
• National identifiers
• Professional information
• Information about how you use our website, apps or other technology, including IP addresses or other device information, location information, time
• Health score: behavioural data or any other assessment provided by third parties such as aggregators or similar third party as permitted under applicable law
• Information about how you use our product & services
• Any information included herein about your family members/beneficiaries

Sensitive Personal Information (SPI)

• Password in encrypted data
• Financial information such as Bank account, credit card, debit card or other payment instrument details
• Physical and mental health condition
• Medical records and history

Note: Personal Information & Sensitive Personal Information shall hereinafter collectively be referred to as “Information” and is saved in an encrypted data format.

Mode of collection of data

From Customer

• Proposal form/any other form for our product & services
• When customer contacts us or receives a communication from Care Health
• During claim processes
• During usage of our services or visit to our website

From others

• Hospitals/Network providers/TPA
• Our Service Providers

Purpose & Usage of your Personal information (PI)

• To provide, maintain and monitor the services/usage of our services or to identify if you are eligible for our services
• For verifying your identity, KYC evaluation, risk assessment, anti-fraud checks, or any other checks required to authenticate and authorize the use of our service by you
• To perform statistical research and analysis so that we can monitor, improve or develop products, services, websites and apps
• To develop and carry out marketing activities and to show you information that is of interest to you, based on our understanding of your preferences
• Efficiently manage our relationship/ interaction with you
• Understand user behaviour and characteristics
• Validate information for underwriting, claim processing & investigations
• We may use ‘cookies’ (Cookies are small data files that a website stores on your computer) for storing visitor preferences, profiling visitors and tracking visitor behaviour on our website
• To improve browsing experience on our website, app as well to optimize & personalize your use of our website or digital products
• Contact you via email, call, SMS or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates, informative communication related to functionalities, special offers, products or contracted services, including security updates, when necessary
• Receive statistical insights & reports based on your information from our service providers

All mentioned actions shall be taken only if we believe they are necessary or appropriate under applicable law. These will comply with legal processes and will respond to any statutory, regulatory or government authority.

Purpose & Usage of your Sensitive Personal Information (SPI)

• For underwriting, claim processing & investigations
• To enable you to make payment or receive refund

Sharing or disclosure of Personal Information

• Banking Partner, Payment Gateway or aggregator
• Credit rating agencies or other financial entity
• Our affiliates or Group Company
• Service Providers
• Regulatory/ Statutory or Government authority, Courts and Tribunals

Sensitive Personal Information

• Banking Partner, Payment Gateway and Payment aggregator
• Service Providers
• Regulatory/ Statutory or Government authority, Courts and Tribunals

Data Security for collected Information

We assure you that Care Health Insurance has a comprehensive information security program and related policies that contain managerial, technical, operational and physical security control measures. These are commensurate with the information assets being protected in the nature of business. We further assure you that whenever we share your information with any third party, we ensure the party handles your information in accordance with all relevant privacy laws, and solely for the purpose as mentioned in this policy.

Authorization for use of your Information

When you visit to our website/mobile app, you authorize us to process your information for the purpose mentioned herein above, to use and disclose any information collected or available with us to such entities mentioned hereinabove.

If you provide the Information of any person other than you, we assume that you have their consent to share this information with us.

If you do not provide us with the Information we reasonably require, we may be unable to provide you with the offer, information, products or services (as the case may be) that you have requested.

Care Health assures you that the company or any person on its behalf, holding your information shall not retain that information for longer than is required for the purpose for which the information may lawfully be used or is otherwise required under any applicable law.

Your rights

You have an option to review & update the information you have provided.

Health Data

We use the Fit SDK from Google (more information can be found here), i.e. an open platform that allows users to control their fitness data. We process and collect the step data through Google Fit SDK with the consent of the user. After connecting to Google Fitness, the user can see his/her step data in a graphical format and the app starts automatic collection of step data from Google Fitness. Data is collected until the user turns off the step counter functionality, logs out of his/her user account in the app, or deletes the app.

Care Health Insurance also collects your Google User Data in the Method and Scope described below –

Google User Authentication – Care Health Insurance asks you to authenticate your Google User Account using your Google User credentials, through Google’s Authentication API which ensures complete security and confidentiality. Authenticating your Google User Account for/with Care Health Insurance is optional and at your discretion.

Note that, in the absence of this Authentication, Care Health Insurance will not have the respective user data.

Google User Data –Care Health Insurance collects the following data from your Google Account:

• Data as available in your Google Account.
• All your information in Care Health Insurance is accessible only to YOU, no other entity has access to this information.
• We handle Google Fit data in accordance with Google Fit Terms of Service and Google API Services User Data Policy. To view, Google Fit Terms of Service go to https://developers.google.com/fit/terms
• To view, Google API Services User Data Policy go to https://developers.google.com/terms/api-services-user-data-policy

Data Deletion

We keep all your data secure. If you want to delete your data from our data storage, please write to us at customerapp@careinsurance.com