Privacy Policy

Access HMO  . is The Company referred to below as Licensed by the Czech National Bank and New York State Department of Financial Services to intermediate all Foreigners’ Comprehensive Health Insurance in the Czech Republic in long, short or abbreviated form both in language and in coverage.

Refer to the Terms and Conditions of our three Health Insurance Plans for obligations, liabilities and liable parties to all offers contained herein.
Access HMO Czech Health Insurance Ltd.'s privacy policies include guidelines and procedures relating to Access HMO Foreigners Health Insurance Ltd. use and disclosure of information about our customers and individuals who visit our website.

 

Customer Privacy Policy

 

The companies in the Access HMO Comprehensive Health Insurance Ltd. believe in protecting the confidentiality and security of information we collect about individuals. This policy describes how some of the companies in our group use the information we receive about you if you become a Access HMO Czech Health Insurance Ltd.'s, apply for any of our products or services, or register with us.

 

If you access our websites for information relating to our products and services or to purchase any of our products and services, our list below provides further information on how we collect, use and share the information you provide to us online.

 

How We Learn About You

 

What we know about you we obtain mostly from you when you apply for one of our products or services. But we may also have to find out more about you from other sources in order to make sure that what we know about you is correct and complete. These sources may include your adult relatives, employers, health care providers, credit reference agencies, other insurers and other financial services providers, consumer reporting and anti-fraud agencies. Some of our sources may provide us with reports relating to you.

 

How We Protect What We Know About You

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. Our employees are trained to take care in handling your information. They may obtain information about you only when there is a good reason to do so. We also take steps to secure our computer databases and to safeguard the information we have about you.

 

How we treat personal information on a business sale

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. Our employees are trained to take care in handling your information. They may obtain information about you only when there is a good reason to do so. We also take steps to secure our computer databases and to safeguard the information we have about you.

 

How We Use and Disclose What We Know About You

 

We may use the information we have about you to help us serve you better. We may use and share your information with other companies in the Access HMO Health Insurance Ltd. Group to:

 

Help us evaluate your request for a Access HMO Health Insurance Ltd. product or service

Help us process claims and other transactions

Confirm or correct what we know about you

Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you

Perform research for us

Help us comply with the law by, for example, sharing your information with the police or fraud agencies to prevent fraud

Audit our business

We may share your information with other third parties for these purposes. For example, for processing an application or any claim, we may share your information with credit reference agencies, police, consumer reporting and anti-fraud agencies. This may include other insurers and financial services providers to prevent and detect fraudulent and exaggerated claims.

 

When we share your personal information with others who perform business services for us, they are required to take appropriate steps to protect this information and may only use the information for the purpose of performing those services.

 

Other reasons we may share what we know about you include:

 

Sharing your information with your financial services advisor so that they can advise and service you

Sharing information with other financial services providers where we provide or administer products and services with carefully selected businesses, such as where we distribute another business’ products or services, or where we re-insure

Doing what a court or government agency requires us to do; for example, complying with a search warrant or court order or acting as required or permitted by applicable law or regulation>

Giving information to the government so that it can decide whether you may get benefits that it will have to pay for

Using your personal information for marketing purposes

 

We may use or share your information within the to market you our products and services, and those of carefully selected businesses, and we may share your information with carefully selected business so that they can market their products and services to you.

 

We will only share your information within the Access HMO Health Insurance Ltd. group or with carefully selected businesses to market products and services to you.

 

How You Can See and Correct Your Information?

 

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside Access HMO Health Insurance Ltd.. For more information, please contact us

 

How will you know if we amend this Customer Privacy Policy?

 

We may amend this Customer Privacy Policy at any time. If we make any material change in how we collect your personal information, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Customer Privacy Policy. Any material changes to this Customer Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Customer Privacy Policy.

 

Online Privacy Policy

 

The companies in the Access HMO Health Insurance Ltd. recognise the importance of protecting all information that you, our online visitor, may choose to provide to us. To further this commitment, we have adopted this Online Privacy Policy to tell you how some of the companies in our group collect, use and share the information you provide to us online.

 

In addition to this Online Privacy Policy, we also have other more general privacy policies that may apply to you as a Access HMO Health Insurance Ltd. customer, if you contact us for further information or if you apply for any of our products or services.

 

What information does this Online Privacy Policy cover?

 

This Online Privacy Policy only applies to personal information collected on websites with a link to this Online Privacy Policy, and does not apply to information collected by Access HMO Health Insurance Ltd. through any other means. It covers how we collect, use and share personal information submitted and collected online.

 

This policy only covers websites operated by Access HMO Health Insurance Ltd.. It doesn’t apply to any other websites operated by other companies or organizations to which Access HMO Health Insurance Ltd. websites are linked. Access HMO Health Insurance Ltd. is, therefore, not responsible for the content or activities provided on those websites.

 

What types of personal information do we collect about our online visitors?

 

Personal information is information that identifies you. Generally, we don’t require you to give us personal information to access public areas of our website. Certain secure web areas, however, enable or require you to provide personal information online when you use specific features on our website. For example, we collect personal information from you when you:

 

Apply for or obtain a Access HMO Health Insurance Ltd. product or service

Register to access your financial account information

Ask to have a Access HMO Health Insurance representative contact you

Ask to receive information about our products or services

Participate in any Access HMO Health Insurance promotion or survey

This personal information may include:

 

Your Name

Policy Number

Financial information

National Insurance number

Telephone number

E-mail address and

Postal address

Additionally, we may also collect other types of information such as your age or date of birth, gender, occupation and hobbies.

 

For further information on how we use the personal information we receive about you if you become a Access HMO Health Insurance Ltd. customer, or apply for any of our products or services, or register with us, please click here to view our customer privacy policies.

 

Do we collect personal information from children?

 

We do not knowingly collect personal information from those under 18 years of age.

 

What kind of security measures do we have to safeguard your personal information?

 

The security and confidentiality of your information is extremely important to us. That is why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information. We also review our security procedures periodically to consider appropriate new technology and updated methods.

 

How is your personal information used and shared?

 

We may use and share your personal information with other companies within the Access HMO Health Insurance Ltd. family and third party Access HMO Health Insurance Ltd. suppliers to:

 

Authenticate your identity

Provide you with online planning tools

Process an application for our products or services and administer your account information

Respond to your product or service information requests

Send you customer newsletters and updates

Provide you with further information that may be of interest, including marketing information on other products and services

For other business purposes, such as product development and website administration

We will only share your personal information with third parties who are Access HMO Health Insurance Ltd. suppliers. We won’t share your personal information with any other third parties for their own direct marketing purposes. If you sign up to receive newsletters or other e-mail messages from us, you can opt-out at any time by clicking the unsubscribe link at the bottom of the message. You may also choose to opt-out from receiving marketing materials from us by contacting us using the details below in the section headed ‘Obtaining further information from us’.

 

For further information on how we use the personal information we receive about you if you become a Access HMO Health Insurance Ltd. customer, request further information from us or apply for any of our products or services, please click here to view our customer privacy policies.

 

What kinds of security measures do we take to safeguard your personal information?

 

The security and confidentiality of your information is extremely important to us. That’s why we have technical, administrative, and physical security measures in place to protect your personal information from unauthorized access and improper use. For example, the areas of our website that enable or require you to submit personal information online use encryption to protect that information. We also review our security procedures periodically to consider appropriate new technology and updated methods. But, despite our reasonable efforts, no security measure is ever perfect or impenetrable.

 

How we treat personal information on a business sale?

 

From time to time, we may sell one or more of our businesses or products and services to another provider, and your personal information may be transferred as a part of the purchase or sale. If we sell a business or any of our products and services to another provider, your information may be shared with a prospective or new provider. Any new provider will continue to use your information for the same purposes unless you are notified otherwise. This paragraph will also apply if we are sold as part of insolvency proceedings.

 

What other parties will we share your personal information with and why?

 

We may disclose any information as permitted or required by law, when we believe in good faith it is necessary for safety purposes, required for legal reporting, or to protect our legal rights or enforce our Terms of Use of our website or any competition rules. We may also disclose information about you to our auditors, regulators, legal advisors, or to respond to a court order.

 

What other parties will we share your personal information with and why?

 

Generally, we will let you see the information that we hold on you if you ask us in writing. We may make a small charge for this service. Due to legal privilege, we may not be able to show you anything that we learned in connection with a claim or legal proceeding. If you tell us that the information we hold on you is incorrect, we will review it and if we agree with you, we will correct our records. If we do not agree with you we will let you know. If you wish, you can tell us in writing that you believe our records still to be incorrect and we will include your statement when we give your information to anyone outside Access HMO Health Insurance Ltd.. You can contact us using the details below in the section headed ‘Obtaining further information from us’.

 

How will you know if we amend this Online Privacy Policy?

 

We may amend this Online Privacy Policy at any time. If we make any material change in how we collect your personal information online, or how we use or share it, we will prominently post notice of the changes on the websites covered by this Online Privacy Policy. Any material changes to this Online Privacy Policy will be effective 10 days after our posting of notice of the changes on the websites covered by this Online Privacy Policy.