sets out how we use and protect any information that you share with us when you
from time to time) is to give you an understanding on how we intend to collect,
store, transfer, disclose, process and use the information you provide to us through
We are committed to
ensuring that your privacy is protected at all times. We may change this policy
from time to time by updating this page. You should check this page from time to
time to ensure that you are in agreement with all such updated terms and conditions
The term ‘Company’
or ‘us’ or ‘we’ refers to Medsave Health Insurance TPA Limited
having its registered office at F 701 A Lado Sarai, New Delhi, New Delhi –
110030, India and the terms ‘you’ or ‘your’ refer to the
Registered Users or viewers including hospitals, healthcare providers, insured customers,
patients etc. of our website/mobile application or portal. The use of this platform
By providing your information
to us, you hereby consent to the collection, storage, disclosure, processing and
transfer of such information for the purposes as disclosed in this Policy. You are
providing the information out of your free will. You have the option not to provide
the data or Personal Information or Sensitive Personal Data or Information sought
to be collected if you do not agree with this Policy.
Collection of Information and Usage:
We may collect certain
Personal Information, Sensitive Personal Data or Information from you while using
our website or directly from the concerned insurer and your employer, if applicable.
means any information that relates to you and may include date of birth, employee
code, email address, residential address, mobile number, alternate telephone number,
Further, you would
be required to give us certain Sensitive Personal Data or Information about you,
Sensitive Personal Data or Information shall mean such personal information which
consists of information relating to;-
such as bank account or any other payment instrument details;
and mental health condition;
medical records and
any detail relating
to the above clauses as provided to body corporate for providing service; and
any of the information
received under above clauses by body corporate for processing, stored or processed
under lawful contract or otherwise:
Provided that, any
information that is freely available or accessible in public domain or furnished
under the Right to Information Act, 2005 or any other law for the time being in
force shall not be regarded as Sensitive Personal Data or Information.
We inform you that
our website may collect certain Personal Information and/or Sensitive Personal Data
or Information about you such as medical and health records including but not limited
to your prescription, test reports, past medical history, etc. We understand that
the Personal Information and/or Sensitive Personal Data or Information is extremely
private to you and assure you that it will be used only for providing required healthcare
services as mutually agreed to be rendered by us.
While using our website
and for availing any of our services you would be required to give us your Personal
Information and/or Sensitive Personal Data or Information.This could be done post
login on our website using the credentials given by us, which will be shared with
you by email, which is unique to you and you will be required to change the password
at the time of first login.
You may be given the
privilege to upload and store your medical and health records on our website to
which only you shall have access to by using your unique username. This will help
you have access to all your medical and health records. We would like to reiterate
that barring you, no one shall have access to these records except to the parties
by us in encrypted form to avoid being hacked and decoded.
Purpose for which Personal Information and/or Sensitive Personal Data or Information
is collected and processed:
We would like to state
that we collect Personal Information and/or Sensitive Personal Data or Information
that is absolutely necessary and relevant for us to make your experience hassle-free,
convenient, smooth and most importantly, safe. This will also help us in providing
you with customized services, assist you with all your queries, resolve the issues
faced by you, to follow up with you in order to ensure a long, sustained relationship
and most importantly to safeguard you from any kind of fraudulent and unlawful usage.
and/or Sensitive Personal Data or Information may be collected by us directly from
you for the purpose of processing your medical claims (both, cashless and/or reimbursement)
and/or extending cashless facility to you.
For the purpose of
extending cashless facility and to ensure your stay at and discharge from the network
provider / hospital is seamless, we, through our hospital portal, require certain
Personal Information and/or Sensitive Personal Data or Information about you to
be provided to us by our network provider(s). This Personal Information and/or Sensitive
Personal Data or Information shall be collected by us from the concerned network
provider(s) through our hospital portal
Further, for the purpose
of processing a reimbursement medical claim, we collect certain Personal Information
and/or Sensitive Personal Data or Information about you including but not limited
to physical originals / photocopies of medical and health reports, discharge summaries,
invoices etc. as issued by network provider(s) or non-network provider(s) to you
and as submitted to our designated offices by you.
We use data collection
methods / mechanisms such as "Cookies" on certain pages of the website
to help analyse our web page flow and promote trust and safety. "Cookies"
are small files placed on your hard drive that assist us in providing our services.
We offer certain features that are only available through the use of "Cookies".
We also use “Cookies”
to allow you to enter your password less frequently during a session. Most “Cookies”
are “Session Cookies”, meaning that they are automatically deleted from
your hard drive at the end of a session. A cookie is a small file which asks permission
to be placed on your computers/mobile phone’s hard drive. Cookies allow web
applications to respond to you as an individual. The web application can tailor
its operations to your needs, likes and dislikes by gathering and remembering information
about your preferences. We use traffic log cookies to identify which pages are being
used. This helps us analyse data about webpage traffic and improve our portal in
order to tailor it to customer needs. We only use this information for statistical
analysis purposes and then the data is removed from the system. Overall, cookies
help us provide you with a better user experience, by enabling us to monitor which
pages you find useful and which you do not. A cookie in no way gives us access to
any information stored on your computer, mobile phone or any device through which
you access the portal. You can choose to accept or decline cookies. Most web browsers
automatically accept cookies, but you can usually modify your browser setting to
decline cookies if you prefer. This may prevent you from taking full advantage of
All your Personal Information
and/or Sensitive Personal Data or Information is hosted and/or processed by us at
the Company’s data centers located at our registered office situated at New
Delhi, India or at such location(s) in India as the Company may so desire to store.
Your Personal Information
and/or Sensitive Personal Data or Information is retained by us only for the purpose
of providing the required services or for historical or statistical or legal purposes
and such retention shall be for a period as required under applicable law.
Transfer / Sharing of Information:
We respect your privacy
and hereby declare we do not transfer and / or disclose your Personal Information
and/or Sensitive Personal Data or Information except as under:
To law enforcement
agencies in connection with an investigation having the interest of general public
at large, after having been approved by the due process of law;
To our associates and
affiliates to help detect and prevent fraud, identity theft and other illegal activities,
correlate related or multiple accounts to prevent abuse of our services; and to
facilitate joint or co-branded services that you request where such services are
provided by more than one corporate entity;
To our full time employees
and associates on a need to know basis for the purpose of enabling the Company to
provide the necessary services to you;
We shall also share
such information with our associates or affiliates should the Company decide to
undergo restructuring in anyway or is acquired by any other entity and ensure that
in such an event the other entity continues to follow this policy strictly;
With the concerned
With your employer,
if applicable, and on receipt of a formal request from your employer and upon receipt
of necessary approval(s).
and links to third-party websites:
Our website may contain
certain advertisements and links to third-party websites. We would like to clarify
that we do not control or guarantee the accuracy, safety and integrity of the Personal
Information and/or Sensitive Personal Data or Information you provide, if you choose
to, share your information with these advertisers and third-party websites. It is,
before providing any Personal Information and/or Sensitive Personal Data or Information
about you on these websites.
We have stringent,
strong, security measures undertaken to ensure against the loss, misuse or alteration
of your Personal Information and/or Sensitive Personal Data or Information shared
with us. We shall take all necessary precautions to safeguard your information and
protect it from any unauthorized use. We have SSL Certificate issued by trusted
certification authority and other safety measures in place to safeguard your information
with us against any theft or unlawful usage or modification thereof. You are advised,
however, that internet technology is not 100% safe and you should exercise discretion
on using the same. The Information Security Management System of the Company conforms
to the ISO 27001:2013 standard.
By using our website
and providing your Personal Information and/or Sensitive Personal Data or Information,
you hereby consent to the collection, storage, disclosure, transfer, processing
and usage of your Personal Information and/or Sensitive Personal Data or Information
You hereby confirm
to the Company that wherever applicable you have taken necessary consent from your
family members and/or your dependents for submission of their Personal Information
and/or Sensitive Personal Data or Information with us.
Right to opt
Company respects your privacy considerations and hence provides an option to you,
to not provide the Personal Information and/or Sensitive Personal Data or Information
sought to be collected. Further, you can also withdraw your consent which was earlier
given to the Company, and the same must be communicated to the Company in writing.
However, we inform you that on your electing to opt out (as envisaged in this section)
or on withdrawal of your consent, the Company may not be in a position to provide
you necessary services / benefits for which the Personal Information and/or Sensitive
Personal Data or Information was sought to be collected.
Further, you will have the option to not provide your consent, or withdraw
any consent given earlier, provided that the decision to not provide consent / withdrawal
of the consent is communicated to us at firstname.lastname@example.org
The name and contact
details of the Grievance Officer is provided hereunder to address all your queries
and grievances in accordance with the Information Technology Act, 2000, and Rules
Mrs. Neshika Laltolien
Email address: email@example.com
Address: F 701 A Lado Sarai, New Delhi, 110030 India
If you have any reason
to believe that we or any company associated with us has misused any of your Personal
Information and/or Sensitive Personal Data or Information please contact us immediately
and report such misuse.
We can address any
questions, comments and concerns about our online privacy practices and policy.
Please write to our Grievance Officer at the above mentioned email address.
If you choose to visit
our website, your visit and any dispute over privacy is subject to this Privacy
is compliant with the provisions of The Information Technology Act, 2000 and Rules
made thereunder including any modifications or amendments made thereto. The Company
modification in the law. It is hence imperative that you frequently read this Privacy
Policy to keep yourself updated of any changes made by us.