Privacy Policy

At EHRM Insurance, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share, and safeguard your personal information.

Information We Collect

We collect information to provide insurance services, process claims, and improve our offerings. The types of information we collect include:

Personal Information

  • Name, date of birth, gender, and contact details (e.g., email, phone, address).
  • Identification details (e.g., Aadhaar number, PAN, passport, for compliance purposes).
  • Medical history and health-related data for underwriting health or life insurance.

Financial Information

  • Bank account or credit card details for premium payments or claim disbursements.
  • Income or asset details for certain insurance products (e.g., property or investment-linked plans).

Usage Data

  • Interactions with our website, mobile app, or customer support (e.g., pages visited, queries raised).
  • Device information (e.g., IP address, browser type, operating system) for analytics and security.
Note: We only collect information necessary for providing our services and comply with legal requirements.
Data Type Purpose Example
Personal Policy issuance, customer verification Name, address, Aadhaar
Financial Payments, claims processing Bank account number
Usage Website optimization, security IP address, browser type

How We Use Your Information

We use your information to deliver insurance services and enhance your experience. Key purposes include:

  • Policy Management: Issuing, renewing, or modifying insurance policies based on your needs.
  • Claims Processing: Verifying and settling claims efficiently, ensuring timely payouts.
  • Customer Support: Responding to inquiries, resolving issues, and providing personalized advice.
  • Analytics: Analyzing usage data to improve our website, app, and services.
  • Compliance: Meeting regulatory requirements, such as reporting to IRDAI or tax authorities.
  • Marketing: Sending promotional offers or policy updates (with your consent, where required).
Tip: You can opt out of marketing communications at any time by contacting our support team.

Sharing Your Information

We share your information only when necessary and with strict safeguards. Recipients may include:

  • Service Providers: Third parties assisting with policy administration, claims processing, or IT services (e.g., cloud storage, payment gateways).
  • Regulators: Government or regulatory bodies (e.g., IRDAI, RBI) to comply with legal obligations.
  • Hospitals/Partners: Healthcare providers for cashless claims under health insurance.

We do not sell your information to third-party marketers or share it for purposes unrelated to our services.

Data Sharing Principles:
  • Share only what’s necessary for the purpose.
  • Use contracts to ensure third-party compliance with data protection laws.
  • Anonymize data where possible for analytics.

Data Security

We employ industry-standard measures to protect your information from unauthorized access, loss, or misuse. Our security practices include:

  • Encryption: Using SSL/TLS for data transmission and AES-256 for stored data.
  • Access Controls: Restricting data access to authorized personnel only.
  • Regular Audits: Conducting security assessments to identify and address vulnerabilities.
  • Employee Training: Educating staff on data protection best practices.

While we strive to protect your data, no system is 100% secure. We encourage you to use strong passwords and avoid sharing sensitive information unnecessarily.

Note: Report any suspected security issues to our support team immediately.

Your Rights

You have rights over your personal information, subject to applicable laws. These include:

  • Access: Request a copy of the data we hold about you.
  • Correction: Update inaccurate or incomplete information.
  • Deletion: Request deletion of your data, where permitted (e.g., after policy termination).
  • Objection: Object to certain uses, such as marketing communications.
  • Portability: Request your data in a structured, machine-readable format.

To exercise these rights, contact our Data Protection Officer at the details below. We will respond within 30 days, as per regulatory guidelines.

Tip: Keep your contact details updated to ensure you receive important notifications about your data.

Policy Updates

We may update this Privacy Policy to reflect changes in our practices, technology, or legal requirements. Updates will be posted on our website, and significant changes will be communicated via email or app notifications.

Last updated: June 20, 2025

For questions or concerns, contact our Data Protection Officer:

  • Email: ehrminsurance@ehrmsup.in
  • Phone: 1800-123-4567 (Toll-free, 24/7)
  • Address: EHRM Insurance, 1234 Business Park, Mumbai, Maharashtra, India
Note: Continued use of our services after policy updates constitutes acceptance of the changes.