Medipac International Inc. (also known as “Medipac Travel Insurance“) has been providing third party administration, travel insurance products and services to groups, associations, companies and individuals for over 25 years. As a well-established, independent group, we strive for the highest levels of customer service and maintain strict policies and procedures to safeguard the privacy of our clients’ personal information. We view our clients as our most valuable assets and do not sell or distribute our clients’ personal information to any unrelated or unaffiliated third party. Information is collected for proprietary use of Medipac, its affiliates and partners to offer insurance and ancillary products and services to clients and prospective clients.
Why Medipac Collects and Discloses Personal Information
Medipac collects and discloses personal information for the purposes of servicing the needs of Medipac clients. This includes information typically required on insurance and other applications, as well as information necessary in the process of offering our quality products and services to our clients and fulfilling our responsibilities as an insurance administrator. Some or all of the personal information collected will be shared with third parties, though only in the exercise of our duties and obligations and to enhance our products offered and your customer service experience.
Types of Personal Information Collected by Medipac
Medipac collects a wide variety of personal information. However, the type of information greatly depends on the circumstances surrounding the collection, as well as the products or services being offered. Without limiting the generality of this Privacy Policy, examples might include: medical and claims histories, travel information, mailing addresses, banking and other financial information.
How Medipac Obtains Personal Information
Medipac typically obtains personal information
directly from the client, either through fax, mail, electronic mail, telephone
or in person. We do, however, collect additional information from third party
sources in the process of providing our services. As an example, when providing
a quotation on an insurance policy, we may obtain medical or other information
from health professionals, as well as claims or underwriting information from
insurance companies or other insurance industry sources. By providing Medipac
with certain information, it is implied such consent is given by the client for
Medipac to access and utilize information provided by third parties.
How and to Whom Medipac Discloses
Personal Information
Medipac discloses personal information only for the
reasons listed above or if required to do so by law. Furthermore, as an
insurance administrator it is necessary for personal information to be
transferred to third parties in order to effectively provide our services and
to ensure proper management insurance benefits for our clients. Examples of
these third parties include (but are not limited to): insurance companies,
insurance underwriters, medical investigators, medical professionals, emergency
medical assistance companies (e.g. Medipac Assistance International, or other),
financial institutions and/or others. Please note, however, that when Medipac
discloses data containing personal information to third parties, the disclosure
is subject to strict confidentiality requirements.
Although attempts may be made to obtain formal consent to disclose personal information, consent is generally assumed to be implied by the client when Medipac provides its services to the client and/or where an administrator-client relationship has been established. In addition, where other individuals may be named as an insured emergency contact or perspective client of Medipac, it is assumed that the principal client has attained the permission to disclose personal information of such individuals. Consent may be revoked at any time with prior written notice by the client.
When Medipac discloses personal information to an approved investigative body (such as the Insurance Crime Prevention Bureau) or when we believe that the information relates to the breach of an insurance policy, other agreement or Canadian law, or when we are required by law to disclose the information, consent may not be obtained. Similarly, if personal information is disclosed to a lawyer for claims purposes or to obtain legal advice, consent may not be obtained.
How Medipac Ensures the Security of Your
Personal Information
Personal information recorded in documents is
securely stored at Medipac’s offices in Canada and at the offices of Medipac’s
affiliated companies. Electronically recorded information is stored on computer
systems maintained by Medipac and Medipac’s affiliated companies. These
computer systems and the information stored on them are protected by electronic
security systems. Access to all personal information is restricted, and only
Medipac employees, contractors and representatives with the proper authority
are permitted to access such information, and only when they have a legitimate
business need to do so. Medipac employees receive training with respect to
proper personal information handling practices and they are under obligation to
comply with privacy laws, this policy and related codes of conduct.
Accuracy and Access to Personal
Information
Medipac is committed to the accuracy of the
personal information that it uses or discloses. Upon written request and
subject to the following (and any other reasonable conditions which may be
necessary), we will provide reasonable access to personal information exclusively
to the individual to whom it refers. We will not provide access in any of the
following circumstances, if doing so would likely reveal:
- personal information about a third party
- confidential commercial information
- information that could affect the security of another person
- information related to the actual or suspected breach of an insurance policy or other agreement, or the breach of Canadian law
- information generated in the course of a formal dispute resolution process
Amendments
Medipac may amend this policy from time to time and without notice. A current
version of the Privacy Policy is usually available on Medipac’s website under
“Medipac Privacy Policy”.
Further Information
Requests for further information, personal
information access or complaints about Medipac’s handling of personal
information should be referred to Medipac’s Privacy Officer as follows:
Privacy and Compliance Officer
Medipac International Inc.
180 Lesmill Rd.
Toronto, Ontario M3B 2T5
Fax: 416-441-7010
Inquiries, Feedback and Accessibility
Medipac strives to comply with all accessibility
regulations in jurisdictions where it operates. Feedback on the delivery and
accessibility of our products and services is encouraged from all of our
customers. All privacy and accessibility related inquiries and feedback should
be directed to the Privacy and Compliance Officer of Medipac in written format
using the above contact information. Submissions should include the following:
- Clients’ full name
- Contact information
- Policy number(s)
- Clear description of the inquiry or complaint
- Supporting documentation
