Privacy Policy

Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (hereinafter referred to as “Niva Bupa”, “we”, or “us”) is committed to protect your privacy and confidential information which may become known to it while you visit and/or use this website. Niva Bupa collects information in accordance with the applicable laws and is committed to take all reasonable precautions to preserve the integrity and prevent any corruption or 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

 

Categories of Information collected

 

Personal Information (PI)

•        Name, title, Age, Date of birth, Gender;

•        Contact information (phone number, Email ID, address);

•        National identifiers;

•        Professional information;

•        Race, religion, caste, genetic information;

•        Information about how you use our website, apps or other technology, including IP addresses or other device information, location information, time;

•        Results of any credit checks or Anti money laundering, anti-fraud checks done by us;

•        Health score, behavioral data or any other assessment provided by third parties such as financial institutions, aggregators or similar third party as permitted under applicable law;

•        Information about how you use our product & services;

•        Any of the information included herein about your family members/beneficiaries;

 

Sensitive Personal Information (SPI)

 

•        Password;

•        Financial information such as Bank account or credit card or debit card or other payment instrument details;

•        Physical, physiological and mental health condition

•        Sexual orientation;

•        Medical records and history;

•        Biometric information.

 

Note: Personal Information & Sensitive Personal Information shall hereinafter collectively refer to as “Information”

 

Mode of collection

 

From You

•        Your application/proposal form/any other form to our product & services

•        when you contact us or when we contact you

•        Your claim

•        your use of our services or visit to our website

From others

•        Hospitals/Network providers/TPA

•        our Service Providers

 

Purpose & Usage

 

Personal information (PI)

 

•        To provide, maintain and to monitor the services/usage of our services or to identify if your eligible for our services;

•        Your IDs shall be used only for verifying your identity, KYC evaluation and risk assessment, anti-fraud checks, AML 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 and improve products, services, websites and apps, or develop new ones;

•        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;

•        To manage our relationship with you, our business and third parties who provide products or services for us;

•        To understand user behaviour and characteristics;

•        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 this website;

•        To improve browsing experience on our website or app as well to optimize and personalize your use of our website or digital products

•        To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, special offers, products or contracted services, including the security updates, when necessary or reasonable for their implementation

•        To receive statistical insights and reports based on your Information from our service providers;

•        Taking such action that we may believe necessary or appropriate under applicable law, to comply with legal process, to respond to any statutory, regulatory or government authority

 

Sensitive Personal Information (SPI)

 

•        For underwriting, claim processing & investigations;

•        To enable you to make payment or receive refund

 

Sharing or disclosure

 

Personal Information

 

•        Banking Partner, Payment Gateway or aggregator

•        Credit rating agencies or other financial entity

•        Our affiliates or Group Company

•        Service Provider

•        Regulatory/ Statutory or Government authority, Courts and Tribunals

 

Sensitive Personal Information

 

•        Banking Partner, Payment Gateway and Payment aggregator

•        Service Provider

•        Regulatory/ Statutory or Government authority, Courts and Tribunals

 

Safeguards to the collected Information

 

We assure you that Niva Bupa has a comprehensive documented information security program and information security policies that contain managerial, technical, operational and physical security control measures that are commensurate with the information assets being protected with the nature of business. We further assure you that whenever we share your Information with any third party, we require that party to handle your Information in accordance with all relevant privacy laws, and solely for the purposes as mentioned in this policy.

Authorization for use of your Information

 

When you visit to our website/mobile app, you consent to and authorize us to process your Information for the purpose mentioned hereinabove, 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 or products or services (as the case may be) that you have requested.

Niva Bupa assures you that Niva Bupa or any person on its behalf holding your Information shall not retain that information for longer than is required for the purposes 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

 

For the purpose of exercising your rights or for any concerns or issues or queries with respect to anything covered in this policy you may reach out to our Privacy office at;

 

Privacy office

Email Id – dpo@nivabupa.com

 

Links to third party sites

The Sites may contain links to other web sites (“Linked Sites”). The Linked Sites are not under the control of Niva Bupa and is not responsible for the contents of any Linked Site. Niva Bupa is not responsible for web casting or any other form of transmission received from any Linked Site. You should be aware that your use of these third-party websites may be subject to separate terms and conditions, information collection practices, and other provisions. Niva Bupa does not endorse, nor is it responsible for, any of the products, services, or content offered in any third-party sites. Before using any third-party services, it shall be your sole responsibility to conduct whatever investigation you deem necessary and appropriate.

Liability Disclaimer
 

All efforts have been made to provide the most comprehensive and accurate information on this site. The information and materials have been made available keeping user’s interest in mind. The information and materials are however, subject to change without prior notice. Niva Bupa does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for any errors or omissions or delays in updating this information and materials. Neither Niva Bupa nor any of its affiliates, directors, employees, agents or representatives, shall be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, the damages for loss of use, data or profits arising out of or in any way connected with the use or performance of this site, with the delay or inability to use the site or related services, the provision of or failure to provide services or for any information, software, products, services and related graphics obtained through the site or otherwise arising out of the use of the site, whether based on contract, tort, negligence, strict liability or otherwise, even if Niva Bupa has been advised of the possibility of damages. You must understand and accept that Internet communications may not be secure or error-free and may contain viruses. They may be subject to possible data corruption, accidental or on purpose. If you are dissatisfied with any part or portion of the site or with any of the terms of use, your sole and exclusive remedy is to discontinue using the site.

Termination/ Access restriction
 

Niva Bupa reserves the right, in its sole discretion, to terminate your access to any or all Sites and the related services or any part or portion thereof, at any time, without notice.

Changes to this Policy
 

We reserve the right to update our privacy policy and to update the same on our website. You are advised to review this Privacy Policy periodically for any changes.