Who we are
You are not required to give us your personal information. However, we may not be able to provide you with the products or services that you request of us without your personal information.
Collection of personal information of patients and other people
Where necessary, we may also collect your personal information from someone else, such as:
- if you are a patient, your health practitioner;
- if you are covered under one of our policies as a dependent, the policyholder; or
- if you are named under one of our joint policies (e.g. a family policy) one of your joint policyholders.
If you are a policyholder and there are other persons covered on your policy, then unless we are notified otherwise, we may disclose the personal information of all persons covered on the policy to you. Likewise, we may disclose your personal information to your joint policyholders and to any other person who you have authorised to have access to your policy.
Collection of sensitive information
Collection of your personal information from third parties
We may also obtain information about you from other insurers if, for example, we need to obtain details of prior claims, and our related entities. We may also obtain information about you from medical providers, government bodies or other professional experts in order to provide you with a policy or assess or facilitate a claim you make.
We will only use your personal information in accordance with the Privacy Act and the Australian Privacy Principles, including with respect to the purposes for which it is collected, to provide, administer and improve our products and services, and for marketing purposes. For example, if you apply for membership or insurance with us, we may collect and use your personal information to:
- assess your application
- underwrite and price any policy
- issue and administer any policy
- provide assistance, legal advice and legal defence
- provide risk management and education services
- provide medico-legal and ethical advice
- investigate, assess and pay any claim made by or against you under your policy,
- contact you as necessary on issues relating to your insurance or our services,
- processing your survey responses for the purpose(s) notified in the survey, and
- any other purpose identified at the time of collecting your information.
We also need to collect, use and store your personal information so that we can answer any questions you may have regarding our products or services.
Sharing and disclosure of your information
We may disclose information about you to outside contractors in connection with carrying out activities on our behalf, for example such contractors may include a mailing house, marketing agencies, technology or other service providers, solicitors or debt collection agencies. We impose security and confidentiality requirements on how they handle your personal information. Outside contractors are required not to use information about you for any purpose except for those activities we have asked them to perform. We may disclose your personal information in an emergency, investigation of suspected criminal activity or where we are otherwise authorised or required by law.
We may occasionally need to transfer or disclose your personal information to a foreign country, including the United Kingdom and the United States of America to administer a claim or incident relating to your policy, provide you with products and services or manage our relationship with you. You acknowledge that disclosure to third party service providers located overseas maybe required, and should this be necessary we will use reasonable endeavours to ensure that the recipient will not hold, use or disclose that information in a manner which is inconsistent with the Privacy Act and Australian Privacy Principles.
We may also from time to time provide de-identified statistical data to third parties for research purposes.
Receiving marketing material from us
We may share your personal information on a confidential basis with our related entities so that they can also offer you products and services. Direct marketing will not contain any of your sensitive personal information. We provide you with a choice to opt out of our marketing activities, and will respect your request not to receive marketing material from us. If you do not wish to receive marketing material from us, we ask you to contact us and our related bodies corporate at any time or by following the opt out instructions provided in the marketing communication. You should inform us if you do not want your personal information to be used and disclosed for marketing purposes. We will implement your request as soon as we can, and apologise if you do receive any materials during the intervening period.
We keep your information so that we can continue to provide the products and services you have requested from us.
Accessing, updating, complaints and questions about personal information
For access to personal information we hold about you, if you believe that the information we have about you is not accurate, complete or up-to-date, or if you have a complaint or question about the privacy of your personal information, we ask that you contact us: