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Miscellanous > Terms and Conditions > Privacy Policy
Apollo Munich Health Insurance Company Limited
This Privacy Statement covers the Website www.apollomunichinsurance.com ("Website") & Apollo Munich Applications. Because this website & applications intends 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,applications and operating the Website & applications, 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.
If you are a Customer (as defined in the Website General Terms and Conditions, hereinafter "Terms"), to aid us in protecting your Information and privacy, you should maintain secrecy of your login ID and password, if any, provided to you in connection with your account with www.apollomunichinsurance.com and Apollo Munich Health Insurance Applications 
Collecting your personal information

Apollo Munich Health may collect Information when you:

  • Access or browse the Website and applications.
  • Request information from Apollo Munich Health 's Website or applications.
  • 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 and applications. 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 Website and applications by displaying appropriate content at our judgment and discretion
  • To send you information about products and services offered by Apollo Munich Health 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 Apollo Munich Health through our newsletters.
Log Files

When you visit our Website or applications, 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

Apollo Munich Health 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 and applications. 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/application and are required if you want to buy a policy online from us.

The General HTTP Cookies of our website and applications are only used to analyze how users move within our Website and applications.

Disclosure of Information

We may not disclose your personal information/data to any person, unless, such disclosure is necessary:

  • Owing to any statutory or legal requirements or for compliance with the local laws.
  • For Protection, enforcement and defending our legal rights.
  • For Protecting our interests or interests of any of Apollo Munich Group Companies.

We reserve our right to store, exchange or share your personal information/data, including but not limited to, your Medical details, Financial details, Beneficiary name, Beneficiary address, Beneficiary relationship and other details received via various modes of communication viz-Website, tele calling, Proposal Forms, Emails or any other customer interactions at the various stages of business like Policy Sourcing, Policy Processing, Policy servicing, recording endorsement, Claim Processing, your grievance redressal or your complaints/feedback etc. (“Personal Information”). Personal Information so collected may be shared with the Government Authorities or Statutory Authorities (to meet the statutory and legal obligations), Financial Institutions, Credit Rating Agencies and other competent authorities authorised by the Government Authorities or as required under relevant provisions of laws, or to any third parties as per directions received under extant laws.

We may also provide access of your personal information, for legal, statutory or regulatory purpose, to the Company Employees, Licensed Insurance Agents, Legal Advisors, Consultants, authorised Service Providers, Auditors, Reinsurers, Co-insurers, Apollo Munich Group companies or any other parties carrying on legitimate business. We may also utilize or share such Personal information for Data Analytics, Statistical Analysis, Risk Analysis or with such agencies which are duly authorised to carry out customer satisfaction or any other survey for or on behalf of Apollo Munich and also for other data analytics / data enrichment activities.

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 support team at customerservice@apollomunichinsurance.com or by contacting us by telephone or postal mail at the contact information listed on the Website and applications. If you have any queries about this Privacy Statement you can contact us at the contact information listed on the Website or application.

Security

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 http://en.wikipedia.org/wiki/Secure_Sockets_Layer

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.

Links to other sites

The Website and applications may contain links to other sites and/or portals on the Internet. While we intend to link only to such sites that share our high standards and respect for privacy, we do not assure you or are responsible for the content or the privacy practices employed by such other sites.

Please be aware that websites that have links from our site may collect personally identifiable information about you. This privacy statement does not cover the information and disclosure practices of those web sites.

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 and applications. If we materially change our privacy practices we will post a notice on our website and applications.



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