Page 56 - European Health Cover

Please see page 56 for an explanation of words that appear in bold 53
protecting personal information may not be as strong as in the EEA. We take steps to ensure
that any sub-contractors give at least the same protections as we do.
We will hold and use information about you and any family members covered by your policy,
supplied by you, those family members, medical providers or your employer (if applicable) to
provide the services set out under the terms of this policy, administer your policy and develop
customer relationships and services. In certain circumstances we may ask medical service
providers (or others) to supply us with further information.
When you give us information about family members we will take this as confirmation that you
have their consent to do so. As the legal holder of this insurance policy, we will send all
correspondence about the policy, including any claims correspondence, to the policyholder. If any
person that you intend to insure under the policy does not want us to do this you should not
include them as a family member under your policy.
We are required by law, in certain circumstances, to disclose information to law enforcement
agencies about suspicions of fraudulent claims and other crime. We will disclose information to
third parties including other insurers for the purposes of prevention or investigation of crime
including reasonable suspicion about fraud or otherwise improper claims. This may involve
adding non-medical information to a database that will be accessible by other insurers and law
enforcement agencies. Additionally, we are obliged to notify the General Medical Council or other
relevant regulatory body about any issue where we have reason to believe a medical
practitioner’s fitness to practice may be impaired.
If you have agreed we, and other members of the AXA UK Group, may use the information you
have provided to us to inform you by letter, telephone, email or mobile message of products and
services such as special offers and healthcare information. If you change your mind please
contact our team of Personal Advisers or write to us at the address on the back of this handbook
otherwise we will assume that, for the time being, you are happy to be contacted in this way.
Legal rights and responsibilities
15.1 Your rights and responsibilities
(a) Your policy is for one year. Prior to the end of any policy year we will write to the
policyholder to advise on what terms the policy will continue, provided the policy you are
on is still available. If we do not hear from the policyholder in response we will renew
your policy on the new terms. Where you have opted to pay premiums by Direct Debit,
continuous credit card payments or other payment method, we may continue to collect
premiums by such method for the new policy year. Please note that if we do not receive
your premium, you will not be covered. If the policy you were on is no longer available we
will do our best to offer you cover on an alternative policy.
(b) You must make sure that whenever you are required to give us any information, all the
information you give us is sufficiently true, accurate and complete so as to give us a fair