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Miscellanous > Privacy Policy
HDFC Ergo Health Insurance Ltd. (formerly Apollo Munich Health Insurance)
This Privacy Statement covers the Website ("Website"). Because this web site wants to show you its commitment towards your privacy, it has agreed to disclose its privacy practices.
We value and respect your right to privacy. In the process of your visit to the Website and operating the WebSite, we may become aware of information relating to you, including session information, contact information, financial information, information that is of a personal, confidential nature, etc. ("Information"). We are strongly committed to protecting your privacy online and have taken steps to protect Information.
Collecting your personal information
HDFC Ergo Health (formerly Apollo Munich) may collect Information when you:
Access or browse the Website.
Request information from HDFC Ergo Health (formerly Apollo Munich) 's Web site.
Use online tools and calculators.
Apply online for products.
Subscribe to online services.
Complete an online quiz, questionnaire, survey, form, etc.
Conduct transactions online.
Apply for a job online.
We collect “contact information” such as your name, address, and email address and other details as given in the registration page of our website. If you purchase a policy from us we will collect “financial information” such as credit card number and expiration date through the payment gateway of the credit- card company or the Internet banking service of your bank. We store this information for our records and in order to verify authenticity of the financial information. We also collect information such as beneficiary name, address and your relationship to the beneficiary when you buy a policy from us. This is required to maintain a record of your beneficiary details for your insurance with us.
Use of your personal information
We will use the Information primarily for the following purposes:
Allow you to access specific account information
Providing customization: We may use the information provided by you to customize your visit to the Web Site by displaying appropriate content at our judgment and discretion
To send you information about products and services offered by HDFC Ergo Health (formerly Apollo Munich) and its Affiliates (In the event you do not wish to receive such information, you may unsubscribe to the facility in the email message received by you.)
To contact you for policy reminder notices, claims processing and to keep you updated on the insurance sector and HDFC Ergo Health (formerly Apollo Munich) through our newsletters.
Log Files
When you visit our Website, we gather ”session information” automatically and store it in log files, including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, clickstream data, etc.
We use this session information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site, to gather demographic information about our user base as a whole, etc. We generally do not link this automatically collected data to any personally identifiable information.
We would like to reiterate that this information is not shared with third parties, except as provided under “Disclosure of Information” clausebelow.
Use of Cookies
HDFC Ergo Health (formerly Apollo Munich) uses General Cookies and Session Cookies. Cookies are parcels of text sent by our server to your computer and then sent back unchanged to our server each time you access our website.

Cookies are used for authenticating, tracking user behavior, and maintaining specific information about users, such as site preferences or information of an online transaction in our website. Cookie is required to create and maintain a secure session. Our cookies do not have your confidential or personal information. Our session ID cookies would expire the moment you leave our website and are required if you want to buy a policy online from us.
The General HTTP Cookies of our website are only used to analyze how users move within our Web site.
Disclosure of Information
We will not disclose your Information to any person, unless acting under a good faith belief that such disclosure is necessary to:
Conform to any statutory or legal requirements or comply with legal process
Protect, enforce and defend our rights or property
Protect our interests or interests of Apollo Group Companies.
We may also use your Information for the purposes of providing you with any services and service-related activities. In this regard, it may be necessary to disclose your Information to one or more service providers of HDFC Ergo Health (formerly Apollo Munich).
We reserve the right to exchange, share or provide the Information relating to your personal and financial details and information with other HDFC Ergo Health (formerly Apollo Munich) Group Companies or Statutory Bodies as required, and you will not hold us and/or any other group companies of HDFC Ergo Health (formerly Apollo Munich) Group and their agents liable for use or sharing of the information.
Updating your personal information
If you need to update your Information or if there is any change in your Information, you may update the Information by making the change on our registration page or by emailing our Website team at or by contacting us by telephone or postal mail at the contact information listed on the Website. If you have any queries about this Privacy Statement you can contact us at the contact information listed on the Website.
The security of your Information is important to us. When you enter sensitive financial information such as credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link
We follow generally accepted industry standards to protect the Information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we do not guarantee its absolute security.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time by posting the updated privacy statement on the Website. If we materially change our privacy practices we will post a notice on our web site.
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