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Privacy Policy

Who Clarity Health Insurance are

Clarity Health Insurance Limited (“we”, or “us”, or “our”) is an independent private medical insurance broker.

We offer Private Medical Insurance products provided by a panel of insurers that include:

  • Aviva
  • AXA Health
  • Bupa
  • The Exeter
  • Freedom Health Insurance
  • National Friendly
  • Vitality Health
  • WPA

We will offer advice and will make a recommendation for you that is based on your individual needs for Private Medical Insurance

Clarity Health Insurance is a trading style of Clarity Insurance Services Limited and regulated by the Financial Conduct Authority FCA No. 919083. Registered in England and Wales no. 11823571.

This Notice will inform you of what personal information we collect, how that information is used, where it is transferred, and how you may view and amend such information. You may be assured that we will treat all personal information as confidential and will not process it other than for a legitimate purpose. Steps will be taken to ensure that the information is accurate, kept up to date and not kept for longer than is necessary. Measures will also be taken to safeguard against unauthorised or unlawful processing and accidental loss or destruction or damage to the information.

How We Use Your Personal Data

Personal Data You Provide to Us

We collect personal data as needed to offer advice, administrative, and management services. This includes, but is not limited to:

  • When you request a policy review;
  • If you apply for a quote or coverage with us;
  • When you purchase a policy through us;
  • If you contact us via email, phone, or social media (including tagging us in public social media posts);
  • When you engage in marketing activities such as competitions, promotions, or surveys.

Providing Personal Data About Others

If you provide personal data about another person, such as a family member, you confirm that you have their permission to do so. This includes consent for us to process their data, share this privacy notice with them, and inform them about how we handle their information.

Personal Data We Receive from External Sources

We may also receive information about you from third parties, such as:

  • Analytics providers;
  • Search data providers;
  • Credit reference agencies;
  • If you are named in an application or listed as a dependent under a policy;
  • Medical reports from healthcare providers.

Data We Generate

We may create an internal customer reference number linked to your data. Any information we receive will be processed lawfully and fairly, in line with data privacy regulations. Where required, we will seek your consent for specific uses, particularly when handling medical data.

If we are using your data to set up or manage your policy, we may not require additional consent, as this processing is necessary to fulfill your request. Your rights and data protection remain a priority in this process.

Information We Hold About You

We may store details such as:

  • Your name, address, contact details, and emergency contacts;
  • Your medical history and current health status;
  • Records of interactions with us, including quotes and services provided;
  • Claims history and past treatments;
  • Feedback you provide on our services or insurers;
  • Call recordings for quality and compliance purposes.

Learn more about our Personal Data Retention Schedule

Children’s Data

We do not collect children’s personal data unless it is provided by an adult who has purchased a policy covering a child. We do not use children’s data for marketing purposes.

Use of Medical and Health Information

We take the security and appropriate use of your health and medical data seriously. Clarity Health Insurance will only collect and use necessary medical information to provide our services.

Clarity Health Insurance processes medical and health data provided by you or your representative as part of your health insurance application. If collected, this data may be used for:

  • Generating quotes and obtaining insurer assessments;
  • Underwriting and risk assessment;
  • Setting up and managing your policy;
  • Renewing or adjusting your policy;
  • Communication via email, phone, post, or social media;
  • Compliance with regulatory obligations;
  • Data analysis and improving services.

Medical information may also be shared with insurers or healthcare providers to ensure appropriate coverage, assess risks, or confirm policy terms.

Sharing Your Personal Data

Regulatory and Legal Obligations

We may share personal data with organizations where legally required, such as:

  • Regulatory agencies (e.g., the Financial Conduct Authority, Financial Ombudsman Service).

Sharing Data with Insurers

To obtain quotes, determine policy terms, and process purchases, we may share necessary personal data with insurers. This may include medical history where required for underwriting purposes or compliance processes.

We only disclose personal data when necessary to fulfill contractual obligations or meet legal and regulatory requirements. Any sharing of sensitive medical information is handled securely and in accordance with data protection laws.

Data Controller and Due Diligence

We take our responsibilities as a data controller seriously and are committed to handling personal data lawfully, fairly and securely. We carry out appropriate due diligence on the organisations and service providers we work with to ensure suitable data protection and security measures are in place. Further information about our approach can be found in our Data Protection and Controller Due Diligence Statement.