Privacy Policy of Medsave Health Insurance TPA Ltd.

This Privacy Policy sets out how we use and protect any information that you share with us when you use this website/mobile application. The purpose of this Privacy Policy (as amended from time to time) is to give you an understanding on how we intend to collect, store, transfer, disclose, process and use the information you provide to us through our platform.

We are committed to ensuring that your privacy is protected at all times. We may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are in agreement with all such updated terms and conditions or changes.

The term ‘Company’ or ‘us’ or ‘we’ refers to Medsave Health Insurance TPA Limited having its registered office at F 701 A Lado Sarai, New Delhi, New Delhi – 110030, India and the terms ‘you’ or ‘your’ refer to the Registered Users or viewers including hospitals, healthcare providers, insured customers, patients etc. of our website/mobile application or portal. The use of this platform is subject to the following terms of use.

By providing your information to us, you hereby consent to the collection, storage, disclosure, processing and transfer of such information for the purposes as disclosed in this Policy. You are providing the information out of your free will. You have the option not to provide the data or Personal Information or Sensitive Personal Data or Information sought to be collected if you do not agree with this Policy.

1. Collection of Information and Usage:

We may collect certain Personal Information, Sensitive Personal Data or Information from you while using our website or directly from the concerned insurer and your employer, if applicable.

Personal Information means any information that relates to you and may include date of birth, employee code, email address, residential address, mobile number, alternate telephone number, etc.

Further, you would be required to give us certain Sensitive Personal Data or Information about you, Sensitive Personal Data or Information shall mean such personal information which consists of information relating to;-

1. financial information such as bank account or any other payment instrument details;
2. physical, physiological and mental health condition;
3. medical records and history;
4. any detail relating to the above clauses as provided to body corporate for providing service; and
5. any of the information received under above clauses by body corporate for processing, stored or processed under lawful contract or otherwise:

Provided that, any information that is freely available or accessible in public domain or furnished under the Right to Information Act, 2005 or any other law for the time being in force shall not be regarded as Sensitive Personal Data or Information.

We inform you that our website may collect certain Personal Information and/or Sensitive Personal Data or Information about you such as medical and health records including but not limited to your prescription, test reports, past medical history, etc. We understand that the Personal Information and/or Sensitive Personal Data or Information is extremely private to you and assure you that it will be used only for providing required healthcare services as mutually agreed to be rendered by us.

While using our website and for availing any of our services you would be required to give us your Personal Information and/or Sensitive Personal Data or Information.This could be done post login on our website using the credentials given by us, which will be shared with you by email, which is unique to you and you will be required to change the password at the time of first login.

2. Access:

You may be given the privilege to upload and store your medical and health records on our website to which only you shall have access to by using your unique username. This will help you have access to all your medical and health records. We would like to reiterate that barring you, no one shall have access to these records except to the parties as mentioned in the Clause 5 of this Privacy Policy and the same shall be transmitted by us in encrypted form to avoid being hacked and decoded.

3. Purpose for which Personal Information and/or Sensitive Personal Data or Information is collected and processed:

We would like to state that we collect Personal Information and/or Sensitive Personal Data or Information that is absolutely necessary and relevant for us to make your experience hassle-free, convenient, smooth and most importantly, safe. This will also help us in providing you with customized services, assist you with all your queries, resolve the issues faced by you, to follow up with you in order to ensure a long, sustained relationship and most importantly to safeguard you from any kind of fraudulent and unlawful usage.

Personal Information and/or Sensitive Personal Data or Information may be collected by us directly from you for the purpose of processing your medical claims (both, cashless and/or reimbursement) and/or extending cashless facility to you.

For the purpose of extending cashless facility and to ensure your stay at and discharge from the network provider / hospital is seamless, we, through our hospital portal, require certain Personal Information and/or Sensitive Personal Data or Information about you to be provided to us by our network provider(s). This Personal Information and/or Sensitive Personal Data or Information shall be collected by us from the concerned network provider(s) through our hospital portal

Further, for the purpose of processing a reimbursement medical claim, we collect certain Personal Information and/or Sensitive Personal Data or Information about you including but not limited to physical originals / photocopies of medical and health reports, discharge summaries, invoices etc. as issued by network provider(s) or non-network provider(s) to you and as submitted to our designated offices by you.

We use data collection methods / mechanisms such as "Cookies" on certain pages of the website to help analyse our web page flow and promote trust and safety. "Cookies" are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of "Cookies".

4. Use of Cookies:

We also use “Cookies” to allow you to enter your password less frequently during a session. Most “Cookies” are “Session Cookies”, meaning that they are automatically deleted from your hard drive at the end of a session. A cookie is a small file which asks permission to be placed on your computers/mobile phone’s hard drive. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our portal in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system. Overall, cookies help us provide you with a better user experience, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to any information stored on your computer, mobile phone or any device through which you access the portal. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the portal.

5. Data Storage:

All your Personal Information and/or Sensitive Personal Data or Information is hosted and/or processed by us at the Company’s data centers located at our registered office situated at New Delhi, India or at such location(s) in India as the Company may so desire to store.

Your Personal Information and/or Sensitive Personal Data or Information is retained by us only for the purpose of providing the required services or for historical or statistical or legal purposes and such retention shall be for a period as required under applicable law.

6. Transfer / Sharing of Information:

We respect your privacy and hereby declare we do not transfer and / or disclose your Personal Information and/or Sensitive Personal Data or Information except as under:

• To law enforcement agencies in connection with an investigation having the interest of general public at large, after having been approved by the due process of law;
• To our associates and affiliates to help detect and prevent fraud, identity theft and other illegal activities, correlate related or multiple accounts to prevent abuse of our services; and to facilitate joint or co-branded services that you request where such services are provided by more than one corporate entity;
• To our full time employees and associates on a need to know basis for the purpose of enabling the Company to provide the necessary services to you;
• We shall also share such information with our associates or affiliates should the Company decide to undergo restructuring in anyway or is acquired by any other entity and ensure that in such an event the other entity continues to follow this policy strictly;
• With the concerned insurer;
• With your employer, if applicable, and on receipt of a formal request from your employer and upon receipt of necessary approval(s).

7. Advertisements and links to third-party websites:

Our website may contain certain advertisements and links to third-party websites. We would like to clarify that we do not control or guarantee the accuracy, safety and integrity of the Personal Information and/or Sensitive Personal Data or Information you provide, if you choose to, share your information with these advertisers and third-party websites. It is, therefore, advised that you go through their terms and conditions and privacy policy before providing any Personal Information and/or Sensitive Personal Data or Information about you on these websites.

8. Safety Precautions:

We have stringent, strong, security measures undertaken to ensure against the loss, misuse or alteration of your Personal Information and/or Sensitive Personal Data or Information shared with us. We shall take all necessary precautions to safeguard your information and protect it from any unauthorized use. We have SSL Certificate issued by trusted certification authority and other safety measures in place to safeguard your information with us against any theft or unlawful usage or modification thereof. You are advised, however, that internet technology is not 100% safe and you should exercise discretion on using the same. The Information Security Management System of the Company conforms to the ISO 27001:2013 standard.

9. Consent:

By using our website and providing your Personal Information and/or Sensitive Personal Data or Information, you hereby consent to the collection, storage, disclosure, transfer, processing and usage of your Personal Information and/or Sensitive Personal Data or Information by us as per the terms of this Privacy Policy. Kindly frequent this section to keep yourself updated of any changes made by us in the Privacy Policy.

You hereby confirm to the Company that wherever applicable you have taken necessary consent from your family members and/or your dependents for submission of their Personal Information and/or Sensitive Personal Data or Information with us.

Right to opt out: The Company respects your privacy considerations and hence provides an option to you, to not provide the Personal Information and/or Sensitive Personal Data or Information sought to be collected. Further, you can also withdraw your consent which was earlier given to the Company, and the same must be communicated to the Company in writing. However, we inform you that on your electing to opt out (as envisaged in this section) or on withdrawal of your consent, the Company may not be in a position to provide you necessary services / benefits for which the Personal Information and/or Sensitive Personal Data or Information was sought to be collected.
 Further, you will have the option to not provide your consent, or withdraw any consent given earlier, provided that the decision to not provide consent / withdrawal of the consent is communicated to us at grievance@medsave.in

10. Grievance Officer:

The name and contact details of the Grievance Officer is provided hereunder to address all your queries and grievances in accordance with the Information Technology Act, 2000, and Rules made thereunder.

Grievance Officer: Mrs. Neshika Laltolien
 Email address: complianceho@medsave.in
 
 Address: F 701 A Lado Sarai, New Delhi, 110030 India

If you have any reason to believe that we or any company associated with us has misused any of your Personal Information and/or Sensitive Personal Data or Information please contact us immediately and report such misuse.

We can address any questions, comments and concerns about our online privacy practices and policy. Please write to our Grievance Officer at the above mentioned email address.

11. Governing law:

If you choose to visit our website, your visit and any dispute over privacy is subject to this Privacy Policy and the website's terms of use. In addition to the foregoing, any disputes arising under this Privacy Policy shall be governed by the laws of India.

This Privacy Policy is compliant with the provisions of The Information Technology Act, 2000 and Rules made thereunder including any modifications or amendments made thereto. The Company may made necessary changes to this Privacy Policy consequent upon any changes or modification in the law. It is hence imperative that you frequently read this Privacy Policy to keep yourself updated of any changes made by us.