MedibankMediBank™

Privacy Notification

Introduction

Welcome to Medibank. We value your privacy and are committed to protecting your personal information. This Privacy Policy governs how MediBank, collect, use, share and process the information, that you provide to us through your use of the app and website www.medibank.in in the course of availing services that are made available on the said app and website (“Services”) as defined in the Terms and Conditions of the app privacy link.

This Privacy Notification explains how we collect, use, disclose, and safeguard your information when you visit our website www.Medibank.in. Please read this Privacy Policy carefully. By accessing or using this Website / App, you agree to be bound by the terms described herein and all the terms incorporated by reference. If you do not agree to all of these terms, please do not use this Website / App.

WHAT IS PERSONAL INFORMATION

Personal information is information that can be used to directly or indirectly identify you. It includes de-identified data that, when linked to other information available to us, would enable us to identify you. Personal data does not include data that has been irreversibly anonymized or aggregated so that we cannot identify you through it, even in conjugation and/or conjunction with other information.

“Sensitive Personal Data or Information” means personal information of any individual relating to password; financial information such as credit or debit card, bank account or other payment instrument details; physical, physiological, and mental health condition; sexual orientation; health information such as medical records and history; biometric information; any detail relating to the above as provided to or received by us for processing or storage. However, any data/information relating to an individual that is freely available or accessible in the public domain or furnished under the Right to Information Act, 2005, or any other law shall not qualify as Sensitive Personal Data or Information.

By signing up on the App or proceeding to the Website, and/or using our Services you represent that you voluntarily provide us with personal information including medical and financial information, and consent to their collection, use, and disclosure by this Privacy Policy. You also represent that you are duly authorised by any third party (including a child or an employee) whose information you share with us.

The Website/App, like many other websites, uses “Cookies”. Cookies are small data files that a website stores on your web browser. These are used to store your preferences, previous activities browse activities, profiling, and tracking behaviour on this Website. By visiting the App or Website, you acknowledge, accept and expressly authorise the placement of cookies on your web browser. We recommend that you clear the cookies stored on your browser from time to time.

When you sign up or register on the App or Website to use our Services, and during the course of actual usage of our Services, the types of information that will be collected by us include the following:

  • Contact information: Name, Address, Contact details, Email ID, Phone Number;
  • Demographic information: Gender, Date of Birth, Nationality;
  • Data regarding your usage of the Services such as search history and history of the appointments made by you through the use of Services;
  • Financial information such as bank account or other payment instrument details and billing information other than credit card or debit card or payment account number, subject to applicable laws;
  • Your browsing history including the URL of the site that you visited prior to visiting the Website as well as the Internet Protocol (IP) address of your computer (or the proxy server you used to access the World Wide Web), your computer operating system and type of web browser you are using, the name of your ISP;
  • Any additional information that you provide to us during the use of the Services;
  • Health information such as your medical records and history which you voluntarily provide or is generated on the usage of any of the services availed by you from the company;
  • Information regarding your insurance coverage (such as your insurance carrier and insurance plan);
  • Information regarding your physical, physiological, and mental health condition which you voluntarily provide or is generated on the usage of the Services;
  • Any other information that is collected or generated;
  • Data regarding your medical qualifications, registrations, and certifications;
  • Any other detail relating to the above as voluntarily provided;
  • Any other information relating to the above which you may have shared with us.

WHERE DO WE COLLECT YOUR DATA FROM

For end users:

  • Any information that you voluntarily choose to provide to us through the App, Website, email, during interaction with us on call or chat, and other modes of communication;
  • Information that we collect from healthcare service providers (“HSPs”) such as doctors, hospitals, diagnostic centres, chemists, etc. to whom you have permitted the sharing of your personal information;
  • Data you have provided to the Company, affiliates, associates, subsidiary, holding company of the Company, associates, and subsidiaries of holding company of the Company, to whom you have given consent for sharing of such information.

For doctors:

  • Before Onboarding you, we may request information regarding your qualifications, experience, public profile, and representations made by you to us;
  • During your usage of the App /Website, we may collect information based on your use of the Services;
  • We may collect other information that you voluntarily choose to provide to us through the App, Website, email, during interaction with us on call or chat, and other modes of communication;
  • We may collect information from any group company, affiliates, associates, subsidiary, holding company of the Company, associates, and subsidiaries of holding company of the Company to whom you have given consent for sharing of information for availing value-added service.

HOW DO WE USE YOUR DATA

We use your personal information except information received from Medibank APIs via app or website for purposes that include the following:

General (end users and doctors):

  • Your registration to receive our Services, identification, communication, notification.
  • Offering you personalized Services and targeted advertisements.
  • Addressing your requests, queries, and complaints.
  • Technical administration and customization of Website.
  • Research (internal or otherwise), fraud, security, risk management, and analysis.
  • Disclosure as required to government authorities in compliance with applicable law.
  • Investigating, enforcing, and resolving any disputes or grievances.

For end users only:

  • Creation and maintenance of health records in electronic form.
  • Create your unified profile with analytics and insights.
  • For sharing with your chosen HSP in the Company.
  • Processing any orders/requests you may place using our Services.

For doctors only:

  • For verifying your professional credentials.
  • For processing any payments made to you.
  • For providing recommendations to end users based on your expertise.
  • For providing any other service to you.

HOW LONG WILL WE RETAIN YOUR DATA

We store your personal information in accordance with applicable laws, which means we keep your data for as long as necessary to provide you with our Services or as may be required under any law.

If you close your account, we have no obligation to retain your data, and we may delete any or all of your data without liability.

DISCLOSURE AND TRANSFER OF YOUR DATA

We may share, disclose and in some cases transfer your personal information to such entities as required to provide Services to you, improve our Services, and provide value-added services, to the extent permitted by applicable law.

Service Providers:

We share personal information with companies that provide Services on our behalf, such as website hosting, data storage, software services, email services, marketing, and analytics, as permitted by applicable law.

Business Affiliates:

We may disclose or transfer some of your information to group companies, affiliates, associates, subsidiaries, the holding company of the Company, and related entities, to the extent permitted by applicable law.

Law Enforcement Agencies:

We may share information with law enforcement agencies pursuant to lawful requests for information, and otherwise as required under any law.

HOW DO WE PROTECT YOUR DATA

We are committed to maintaining the privacy of the information uploaded by you on the Website and complying with the industry-standard security safeguards for the purpose of securing the Website and the information provided/uploaded by you.

However, we are not responsible for any loss, unauthorized access, safety issue, or any harm caused to you by any misuse of your personal information, unless it is a direct and foreseeable consequence of negligence and non-compliance on our part only.

WHAT ARE YOUR RIGHTS

You have the right to access your personal information and request updation, correction, and deletion. If your personal information changes, you may correct, delete inaccuracies, or amend information by contacting us through contact@Medibank.in.

You are free not to share any medical or other information that you consider confidential and withdraw consent for us to use data that you have already provided.

THIRD-PARTY WEBSITES AND SERVICES

Our Website and App may contain links to third-party services, and give you the ability to access such third-party websites, products, and services. Please note that you may proceed to the use of such third-party websites or services at your own risk.

CHANGES TO THIS PRIVACY POLICY

Any changes to our Privacy Policy will be posted on the Website/App and will become effective as of the date of posting. Please review the Privacy Policy from time to time to make sure you are aware of any changes.