Plan guide
15
Data Protection
We
are committed to protecting
your
personal data and privacy. Any personal
information that
we
collect will be kept confidential and will be processed
in accordance with the UK Data Protection Act 1998, medical confidentiality
guidelines, other related legislation and
our
own strict internal policy.
We
will use any personal data to process
your claims
, administer
your plan
,
service
our
relationship with
you
, provide
you
with products and services and
evaluate their effectiveness, provide
you
with better customer services and for
statistical analysis.
We
may, in carrying out
your
instructions, processing and administering
claims
,
transfer
your
personal data to other InterGlobal entities and/or third parties acting
on
our
behalf inside or outside the European Union where there may be less
stringent data protection laws. However, wherever it is held and processed,
your
personal data will be protected by a strict code of security which
we
and any third
parties working on
our
behalf are subject to and will only be used in accordance
with
our
instructions.
Your
information may also be used for fraud prevention and audit purposes. If
you
give
us
false or inaccurate information and
we
suspect fraud,
we
will record this.
We
may pass such information to other InterGlobal entities or agents or others as
permitted by law so that they may do the same, and they may pass information
held by them about
you
to
us
so that
we
may do the same.
We
may also disclose
your
information if
we
are required to do so by law enforcement or other legal
agencies, governmental or judicial bodies, or to
our
regulators under proper
authority.
In order to assess the terms of
your
insurance cover, including specific medical
exclusions, or to administer
claims
,
we
may collect medical information which
the UK Data Protection Act defines as ‘sensitive’ information.
Your
medical
information will only be disclosed to those involved with
your treatment
or
care, including
your medical practitioner
, or their agents. If
you
ask
us
to,
we
will also send
your
medical information to any person or organisation that
may be responsible for meeting
your treatment
expenses, or their agents.
Your
information may be discussed with
your
agent or broker if
you
have requested
the broker to assist
you
in handling
your claims
and
you
have authorised
us
to
provide them with such medical information.
We
will not disclose
your
medical information to any other individual without
your
explicit consent. If
you
want
us
to disclose
your
medical information to
another individual or next of kin,
you
must tell
us
. In exceptional emergency
situations, and in accordance with medical confidentiality guidelines and relevant
law,
we
may be required to disclose such information to relatives, family members
or other third parties.
We
may, from time to time, provide
you
with marketing information about
InterGlobal,
our
products and services and those of any associated companies
which may be of interest to
you
.
You
will be given an opportunity to tell
us
if
you
do not wish to receive such information.
To help
us
ensure that
your
personal information remains accurate and up to date,
please inform
us
of any changes.
You
have the right to see personal information about
you
held by
us
. There may
be a charge for this.
Please write to:
The Compliance Officer
InterGlobal Insurance Company Limited
Woolmead House East
The Woolmead
Farnham
Surrey
GU9 7TT
United Kingdom.
Complaints
We
always aim to give
you
a first-class service. However, there may be times when
you
may feel that
we
have not achieved this aim. If this is the case, please contact:
The Complaints Team
InterGlobal Limited
Woolmead House East
The Woolmead
Farnham
Surrey
GU9 7TT
United Kingdom.
Telephone: +44 (0)1252 745 910
Email:
We
will deal with
your
complaint fairly and promptly and in accordance with
relevant regulation.
Our
aim is to resolve
your
complaint by the end of the next business day after
the day
we
receive it. Sometimes this may not be possible, in which case
we
will acknowledge
your
complaint within five working days of receipt of
your
complaint, and give
you
regular updates until
your
complaint is resolved.
We
will
give
you
a final response within eight weeks of receipt of
your
complaint.
If
you
remain dissatisfied with the outcome of
your
complaint,
you
may be able
to refer it to The Financial Ombudsman Service within six months of receiving
our
final response. Their details are provided below:
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
United Kingdom.
Telephone from a UK landline: 0800 023 4567
Telephone from a UK mobile: 0300 123 9 123
Telephone from outside the UK: +44 20 7964 0500
Email:
Website:
To help
us
, please give
your plan
number and
claim
number (if this applies) with as
much information as
you
can about
your
complaint, as well as
your
full contact details.
Full details of
our
complaints procedures are available on
our
website and other
product documentation.
Financial Services Compensation Scheme
We
are covered by the Financial Services Compensation Scheme (FSCS).
You
may
be entitled to compensation from the scheme if
we
cannot meet
our
financial
responsibilities. This depends on the type of business and the circumstances of
the
claim
. Insurance advising and arranging is covered for 90% of the
claim
,
with no upper limit.
You
can find more information about the Financial Services
Compensation Scheme from the FSCS website at:
or write to:
Financial Services Compensation Scheme
10th floor, Beaufort House
15 St Botolph Street
London
EC3A 7QU
United Kingdom.
How you can help us contain your premium
Fraud, let’s beat it together
Healthcare fraud increases premiums for
our
customers and
we
do our very best
to eliminate it.
There may only be a relatively small number of individuals or providers who
engage in medical insurance related fraud, but maladministration, including
innocent and careless overcharging for
treatments
and services, also raises the
cost of medical insurance.
Fraud is the dishonest intent to obtain a financial gain from, or cause a financial
loss to, a person or party through false representation, failing to disclose
information or abuse of position.
