DECLARATION
I hereby apply for insurance to Maiden Life Försäkrings AB and Maiden General Försäkrings AB (the insurers) under their usual terms and conditions. I confirm that the information supplied by me in connection with this proposal is complete and correct to my knowledge and belief.
I understand that claims relating to any medical condition which I am aware of, am experiencing symptoms of or which I have been aware of and/or have received treatment for in the last two years, or any associated conditions, shall not be payable under this Lifestyle Protector Plan unless I have been free from symptoms and not received treatment, medication, diagnostic tests or advice for the condition for at least two years preceding the claim.
I understand that claims relating to any chronic condition which I currently know about, or of which I am /have been exhibiting the symptoms whether specifically diagnosed or not or for which I am /have been receiving medical treatment or advice during the last five years, shall not be payable under this Lifestyle Protector Plan. A chronic condition is a condition which has symptoms that are constant or recur, or which requires long-term monitoring, treatment, consultations, check-ups, examinations or tests.
I understand that at claim stage, medical records showing my medical history relevant to the condition I am claiming for and any associated conditions must be available to the insurers in English from an Irish-registered GP for review, and that if I am unable to evidence medical history in English from Irish-registered GP then this policy is unlikely to be suitable for me. I note that I should keep a record of all information supplied for the purpose of this proposal and that a copy of such information will be supplied if requested by me.
I have been provided with details of the procedure to follow in the event of a complaint.
Warning: The current premium may increase with 30 days notice
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DATA PRIVACY
Please visit www.maidenlg.com/privacy_notice for further information about how and when we process your personal information under our full Privacy Notice. You can also request a hard copy of our privacy notice by contacting our Data Protection Officer at dataprotection@maideniis.com.
HOW WE USE YOUR INFORMATION
The personal information, provided by you (or anyone acting on your behalf), is collected by or on our behalf and may be used by us, our employees, agents and service providers acting under our instruction for the purposes of insurance administration, underwriting, claims handling, research or for statistical purposes.
We may process your information for a number of different purposes. For each purpose we must have a legal ground for such processing. When the information that we process is classed as ‘special category data’, we must have a specific additional legal ground for such processing.
Generally, we will rely on the following legal grounds:
› It is necessary for us to process your personal information to provide this policy and services related to it. We will rely on this for activities such as assessing your application, managing your policy, handling claims and providing other services to you
› We have an appropriate business need to process your personal information and such business need does not cause harm to you. We will rely on this for activities such as maintaining our business records and developing, improving our products and services, and providing information about our products and services to you
› We have a legal or regulatory obligation to use such personal information
› We need to use such personal information to establish, exercise or defend our legal rights
HOW WE SHARE YOUR INFORMATION
In order to sell, manage and provide our products and services, prevent fraud and comply with legal and regulatory requirements, we may need to share your information with the following types of third parties:
› Reinsurers, Regulators and Authorised/Statutory Bodies including but not limited to the Irish Revenue Commissioner
› Credit reference agencies
› Fraud prevention agencies
› Crime prevention agencies, including the police
› Hive Insurance Services Limited
› Suppliers carrying out a service on our behalf
› Other insurers, business partners and agents
› Other companies within the Maiden Insurance Group
MARKETING
We will not use your information or pass it on to any other person for the purposes of marketing further products or services to you unless you have consented to this.
FRAUD PREVENTION AND DETECTION
In order to prevent or detect fraud and money laundering we may check your details with various fraud prevention agencies, who may record a search. Searches may also be made against other insurers’ databases. If fraud is suspected, information will be shared with those insurers. Other users of the fraud prevention agencies may use this information in their own decision making processes.
AUTOMATED DECISIONS
We may use automated tools with decision making to assess your application for insurance and for claims handling processes. If you object to an automated decision, we may not be able to offer you an insurance quotation.
HOW TO CONTACT US
You can ask for more information about our use of your personal information or complain about its use, by contacting our Data Protection Officer at dataprotection@maideniis.com, or by writing to us at the following address: The Data Protection Officer, Maiden Life Försäkrings AB, c/o Maiden Global Holdings Ltd, Albion House, The Valley Centre, Gordon Road, High Wycombe, Bucks, HP13 6EQ.
For more information on the General Data Protection Regulation you may also write to The Data Protection Commission at:
DATA PROTECTION COMMISSION
21 Fitzwilliam Square South, Dublin 2, D02 RD28, Ireland. Tel 0761 104 800.