Privacy Policy

# Privacy Policy

**Effective Date:** January 1, 2025

Zion Insurance ("we," "our," or "us") is committed to protecting your privacy and ensuring the security of your personal and medical information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our insurance assistance services through our website, mobile applications, and related platforms.

## Information We Collect

**Personal Information:** Name, contact details, date of birth, Aadhaar/ID numbers, address, email, phone number, bank account details, and emergency contact information.

**Insurance Information:** Policy numbers, insurance company details, coverage information, premium details, TPA information, claim history, and policy documentation.

**Medical Information:** Hospital admission records, medical reports, diagnostic test results, treatment details, prescriptions, discharge summaries, medical bills, doctor consultations, and health conditions relevant to insurance claims.

**Documents:** Scanned copies of insurance cards, policy documents, identity proofs, medical records, hospital bills, prescriptions, and other supporting documentation uploaded through our platform.

**Usage Data:** Device information, IP addresses, browser type, access times, pages viewed, app usage patterns, and interaction with our services.

**Communication Records:** Chat transcripts, emails, phone call notes, WhatsApp messages, and any other communications with our support team and agents.

## How We Use Your Information

- Verify insurance policy details and eligibility for cashless treatment or reimbursement claims - Submit pre-authorization requests to insurance companies and TPAs on your behalf - Coordinate with hospitals for cashless treatment arrangements - Process and track insurance claims from submission to settlement - Communicate with insurance companies, TPAs, and healthcare providers regarding your case - Provide personalized assistance and case management services - Send notifications, updates, reminders, and alerts about your case status - Analyze documents using AI-powered OCR technology for faster processing - Improve our services, develop new features, and enhance user experience - Comply with legal obligations and regulatory requirements - Detect and prevent fraud, unauthorized access, and security incidents

## Information Sharing and Disclosure

We share your information only when necessary:

**Insurance Companies & TPAs:** We share relevant policy and medical information with your insurance company and third-party administrators to process pre-authorization requests, submit claims, and facilitate settlements.

**Healthcare Providers:** Hospital and medical facility details are shared as needed to coordinate cashless treatment and verify treatment estimates.

**Service Providers:** Trusted third-party service providers who assist with technology infrastructure, data storage, communication services, and analytics — all bound by confidentiality agreements.

**Legal Requirements:** We may disclose information when required by law, court orders, government requests, or to protect our rights, safety, and property.

**Business Transfers:** In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

We do NOT sell your personal information to third parties for marketing purposes.

## Data Security

We implement industry-standard security measures including:

- End-to-end encryption for data transmission - Secure encrypted storage of all documents and personal information - Access controls limiting information access to authorized personnel only - Regular security audits and vulnerability assessments - Secure authentication and session management - Compliance with healthcare data protection standards - Employee training on data privacy and confidentiality

Despite our efforts, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but continuously work to protect your information.

## Your Rights and Choices

You have the right to:

- Access your personal information and case records - Request corrections to inaccurate information - Request deletion of your data (subject to legal retention requirements) - Withdraw consent for non-essential communications - Opt-out of promotional messages while still receiving service-related communications - Request a copy of your data in portable format - Lodge complaints with relevant data protection authorities

To exercise these rights, contact our privacy team through the contact information provided.

## Data Retention

We retain your information for as long as necessary to provide services and comply with legal obligations. Insurance and medical records are typically retained for 7-10 years as required by insurance regulations. After the retention period, data is securely deleted or anonymized.

## Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors without parental consent. If you believe we have inadvertently collected such information, please contact us immediately.

## International Data Transfers

Your information may be transferred to and processed in locations outside your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

## Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through our website, app notifications, or email. Continued use of our services after changes constitutes acceptance of the updated policy.

## Contact Us

For privacy-related questions, concerns, or requests:

Zion Insurance — Privacy Team Email: privacy@zioninsurance.com

You may also contact our Data Protection Officer for specific privacy inquiries.