Privacy Policy

Introduction

Premier Health Insurance UK ("we," "our," or "us") is committed to protecting and respecting your privacy. This policy explains how we collect, use, and safeguard your personal information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable privacy laws.

We understand the sensitive nature of health-related information and take our responsibility as a custodian of your personal data seriously. This privacy policy outlines our practices concerning the collection, processing, and protection of your personal information.

Information We Collect

Personal Information

We collect the following categories of personal information:

• Identity Information: Name, date of birth, gender, national insurance number, and photographic identification
• Contact Information: Postal address, email address, telephone numbers
• Health Information: Medical history, current health conditions, treatment records, and other health-related information necessary for insurance purposes
• Financial Information: Bank account details, payment card information, and insurance payment history
• Employment Information: Occupation, employer details (for corporate schemes)

Special Category Data

Due to the nature of our services, we process special category data, particularly health-related information. We handle this data with extra care and in accordance with additional safeguards required by law.

How We Collect Your Information

We collect information through various channels:

• Direct interactions when you apply for our insurance products
• Healthcare providers and medical professionals
• Your employer (for corporate health schemes)
• Insurance brokers and financial advisers
• Public records and databases

Legal Basis for Processing

We process your personal information on the following legal grounds:

• Contract: Processing necessary for the performance of our insurance contract with you
• Legal Obligation: Compliance with legal and regulatory requirements
• Legitimate Interests: Pursuing our legitimate business interests in providing and improving our services
• Consent: Where we have obtained your explicit consent for specific processing activities

How We Use Your Information

We use your personal information for the following purposes:

• Evaluating and processing insurance applications
• Administering insurance policies and claims
• Processing payments and managing financial transactions
• Communicating with you about your policy and claims
• Conducting risk assessments and actuarial analyses
• Preventing and detecting fraud
• Complying with legal and regulatory obligations
• Improving our products and services

Data Sharing and Transfers

We may share your personal information with:

• Healthcare providers and medical professionals
• Insurance brokers and financial advisers
• Reinsurance companies
• Regulatory authorities and law enforcement agencies
• Professional advisers (lawyers, accountants, auditors)
• Service providers who assist in our operations

All third parties are contractually bound to protect your information and can only use it for specified purposes.

Data Security

We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Encryption of digital data
• Secure physical storage facilities
• Access controls and authentication procedures
• Regular security assessments and audits
• Staff training on data protection and security

Data Retention

We retain your personal information for as long as necessary to:

• Fulfil the purposes for which it was collected
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements

After this period, your information is securely deleted or anonymised.

Your Rights

Under data protection law, you have the following rights:

• Right to Access: Obtain a copy of your personal information
• Right to Rectification: Correct inaccurate or incomplete information
• Right to Erasure: Request deletion of your personal information
• Right to Restriction: Limit how we use your information
• Right to Data Portability: Receive your information in a structured format
• Right to Object: Object to certain types of processing

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes and obtain your consent where required.

Contact Information

For any privacy-related queries or to exercise your rights, please contact our Data Protection Officer at:

Premier Health Insurance UK
Whitehaven House
14 Hazelwick Court
Aldeburgh
Suffolk IP15 5EG
United Kingdom