Privacy Compliance Officer – Ian Polzin , PresidentThe purpose of gathering
customer information at the time of application of insurance is to determine
the premium and appropriate insurance
coverage according to the risk. The address is collected in the event of a
claim to identify the client. We collect your name, date of birth, address
and home phone number, dates of travel and destination and residency . At the time of a loss,
information collected is for the purposes of determining if the claim is
payable according to the policy wording. We may need to collect from your
attending physician and family physician past medical history, records,
specialist referral reports, emergency room assessment, clinical history and
progress notes of hospital admission. Operative notes, pathology and x-ray
investigations and discharge summary. Details of what is required when
submitting your claim is included under claims procedures in your insurance
policy booklet. Your consent is requested
by asking for the your signature on the declaration form at the time of
purchase of your insurance. At the time of a medical loss, your authorization
to release medical information is requested. Should you not be in a position
to provide authorization, any person acting on your behalf can provide
authorization. This authorization is imperative in order to provide
assistance to you and your family and to determine liability and arrange
payment directly with the medical facilities. In the event of an accident or
sickness where you may be hospitalized, our ability to assist will be limited
by the amount of information we are able to obtain. Quick authorization to
release this information will make a difference on the outcome of the service
provided. Information collected is
solely for the purposes related to the determination of liability under the
insurance policy. Once the information is collected and used it is kept in
secure storage for a period of time as required by law. Information collected is
assumed to be accurate based on the information provided to our company at
the time of application of the insurance and at the time of loss. Information
is only altered if inaccuracy has been identified. Quality standards are in
place to ensure the recording of the information is accurately documented. Information collected is
kept confidential and secure by Lifeinsurancebrokers.com Ltd . Information collected at the time of
purchase is kept on file by the agent who sold you the coverage, by the
broker , and by our underwriting insurance company. Information collected for
the purposes of adjusting your claim and is kept secure by the insurance
companies specifically. Should you require further
details on the current internal procedures and policies of how and where your
personal information is stored, we will make that available to you upon
written request. Upon written request, you
can have access to your information to verify its accuracy. If you have any questions
or concerns regarding privacy principles, please contact The Privacy Commissioner
of Canada also has a website with details on the Personal Information
Protection and Electronic Documents Act. |