We're committed to maintaining strict confidentiality. A confidentiality policy is in place and affects all staff who have access to client's medical and other sensitive information. Few sources of information are more sensitive than a client's medical history and we are serious about avoiding any breaches of confidentiality.
We will only use the information provided on a client's application, or in any additional medical report, for the purpose of underwriting, processing and administering the policy requested.
We may also use this information in processing a claim under the policy.
Your client's consent to pass any personal medical information to a third party is incorporated within the declaration at the end of the application. We will need this consent:
- to obtain a report from their doctor or when we ask them to attend a medical screening;
- if we need to send their personal information to our reinsurer or;
- if you ask us to send information to another insurance provider, or those providers approach us themselves.