Care Health Insurance is committed to protect your privacy and ensuring the confidentiality of your information. This Privacy Policy outlines how we collect, use, process, and protect your personal data in accordance with the applicable laws. We collect information in accordance with applicable laws and take all necessary precautions to preserve the integrity and prevent any corruption, loss, damage, or destruction of data and information. This Privacy Policy applies to all the information we collect from you through the website - www.careinsurance.com operated by Care Health Insurance from which you are accessing this Privacy Policy, or through mobile applications made available by Care Health Insurance.
Definitions
- Personal Data: Any data about an individual who is identifiable by or in relation to such data.
- Data Principal: The individual to whom the personal data relates (you, the customer).
- Data Fiduciary: Care Health Insurance, as the entity determining the purpose and means of processing personal data.
- Data Processor: Any entity that processes personal data on behalf of Care Health Insurance.
Information We Collect
We collect the following types of personal data:
- Personal Information: Name, address, contact details (phone number, email address), date of birth, gender, and other identifiers.
- Sensitive Personal Information: As per applicable laws. Sensitive Personal Information may include financial information (bank account details, credit card information), health data, biometric data (if collected), but not limited to any other data categorized as sensitive under applicable laws.
- Health Data: Information related to your health conditions, medical history, treatments, and diagnoses, necessary for providing insurance services.
- Health tracking application Data: (If applicable) Step data collected through health tracking data.
- Other Information: Any other information you provide to us or that we collect with your consent, or as permitted/required by law.
How We Collect Your Data
We collect your data through the following means:
- Directly from you: When you fill out application/proposal forms, interact with our website/mobile app, contact our customer service, or otherwise provide information to us.
- Automatically: When you use our website/mobile app (e.g., through cookies and similar technologies, IP addresses, device information).
- From Third Parties: (e.g., hospitals, health tracking application data).
Purpose of Processing
We process your personal data for the following purposes:
- To provide you with insurance products and services.
- To process your applications, claims, and renewals.
- To communicate with you regarding your policy, updates, and offers.
- To improve our products and services.
- To comply with legal and regulatory requirements.
- To prevent fraud and ensure security.
- To personalize your experience.
- To analyze health and fitness data (if applicable) to offer customized wellness programs or discounts.
- Any other purpose that we may notify you of from time to time.
Lawful Basis for Processing
We process your personal data based on one or more of the following lawful basis:
- Consent: Where you have given us explicit consent to process your data for a specific purpose (e.g., collecting step data via health tracking application).
- Contract: Where processing is necessary for the performance of a contract with you (e.g., providing insurance coverage).
- Legal Obligation: Where processing is necessary to comply with a legal obligation (e.g., regulatory reporting).
- Legitimate Interests: Where processing is necessary for our legitimate interests or the legitimate interests of a third party, provided that your interests and fundamental rights do not override those interests.
Data Security
Care Health Insurance has implemented 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 to protect your personal data from unauthorized access, use, disclosure, alteration, or destruction. We use encryption, firewalls, and other security measures to safeguard your data.
Data Sharing and Disclosure
We may share your information with the following categories of recipients:
- Third-Party Service Providers: Who provide services to us, such as IT support, data analytics, marketing, and claims processing. We ensure these providers have appropriate data protection measures in place.
- Regulatory Authorities: As required by law.
- Other Insurance Companies: For fraud prevention and risk assessment purposes.
- Hospitals and Healthcare Providers: For claim processing and verification.
- Reinsurers: For reinsurance purposes.
- In litigation, investigations, and other legal matters where the data is pertinent.
- Investigating security incidents.
- Auditors
Children Data
- Our website and mobile application are not intentionally designed for or directed at children under 18. We never knowingly collect information about anyone under 18, except when providing insurance services as per instructions of policy holder.
- We will not process personal data in a way that could harm the child's well-being.
- We will not track children's behaviour or use targeted advertising.
Log Files
- We automatically collect and store certain data in log files when you use our service, including IP addresses, browser type, ISP, referring/exit pages, operating system, date/time stamp, and clickstream data.
- We use this non-identifiable information to analyze trends, administer the Care Health website and mobile application, track user movement, and gather demographic data.
- IP addresses are linked to personally identifiable information to customize your experience. Please note that we do not share this information with third parties for promotional purposes, except as stated above in point 4 (purpose of processing).
- Any other third party with your consent.
- We ensure that any third party with whom we share your data handles it in accordance with all relevant privacy laws and solely for the purpose as mentioned in this policy.
Use of Cookies
- We use cookies, small text files stored on your computer, to analyze user navigation and customize pages on our website.
- Our cookies do not contain personal information and expire when you close your browser. They are required for online policy purchases. Some business partners, like chat support, also use cookies on our site, which we don't control.
- This privacy statement only covers our use of cookies.
Link to Third Parties
Website and mobile application of Care Health contains links to external websites. Your use of external websites, including any personal information you provide, is subject to the terms and privacy policies of the external websites and not of Care Health Insurance. We provide these links for convenience only and Care Health is not responsible for your use of them.
Additional Information for Users of Care Health Insurance's Mobile Application
- If you allow, we may use your mobile device's location information to personalize content/services. We don't monitor, track, or save this information. You can also upload photos, but we don't have access to them.
- It does not apply to scans or images of documents you submit to Care Health Insurance in connection with your use of the website and mobile application.
Data Retention
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. When determining retention periods, we consider the following:
- The length of our relationship with you.
- Legal and regulatory requirements.
- Whether the data is needed to resolve disputes or prevent fraud.
- The nature and sensitivity of the data.
Your Rights
Under the applicable laws, you have the following rights:
- Right to Access Information: You have the right to request access to your personal data that we hold.
- Right to Correction: You have the right to request correction of inaccurate or incomplete personal data.
- Right to Confirmation: You have the right to confirm whether or not we are processing your personal data.
- Right to Grievance Redressal: You have the right to register your grievance.
- Right to Nominate: You have the right to nominate any individual, who shall in the event of death or incapacitation exercise your rights in accordance with the provisions of applicable laws.
To exercise these rights, please contact us at the contact information provided below.
Health Tracking Application Integration
If you choose to connect your health tracking application (like google fit, health track etc.)Account, Care Health Insurance will collect and process step data through the health tracking application with your consent. You can disconnect your health tracking application account at any time, which will stop further data collection. We will delete your existing health tracking application data upon request and as per applicable laws.
Compliance Statements
Care Health Insurance acknowledges that it adheres to IRDAI regulations and applicable laws.
Training and Awareness
We are committed towards staff training on data privacy and security.
Request Process for Data Deletion
If you want to delete your data from our data storage, please raise your request on privacy@careinsurance.com and customerapp@careinsurance.com
Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised effective date. We encourage you to review this Privacy Notice periodically.
Contact Us
If you have any questions or concerns about this Privacy Policy or our data processing practices, please contact us at privacy@careinsurance.com and customerapp@careinsurance.com
