nib’s OSHC Privacy Policy
nib is committed to protecting your privacy and any personal information we collect from you. nib has implemented measures to comply with its obligations under the Privacy Act 1988 (Cth).
Why we collect your personal information
We collect your personal information primarily to enable us to provide health benefits and related services to you. nib may also use this information to promote or market its current and future health and related services to you or for any other purpose permitted under the Privacy Act 1988 (Cth).
What personal information do we keep?
The personal information nib holds will depend on whether you are a customer and which services you have used. accordance with the Privacy Act 1988 (Cth) and any correspondence sent to you will give you the opportunity to ‘opt out’ of receiving any further marketing or research correspondence. Third party use of your personal information nib may be required to disclose your personal information to:
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other nib companies
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your embassy cultural office (only with your prior consent)
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health service providers including health insurers, government agencies, private and public hospitals, doctors and medical specialists
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nib’s contractors and service providers performing services including (but not limited to) marketing, market research, mail-house services, and product development services.
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nib’s existing and future strategic partners in respect of co-branded products and services nib may also be required to disclose your personal information to other individuals on your nib policy.
At the time of joining nib, the policyholder (i.e. the person applying for the policy) authorises nib to share information with other individuals on the nib policy. This means we may make the customer aware, for example, the details of all benefits and services claimed on the policy. nib will not disclose your personal information to anyone, other than as above, unless:
- you give us permission to do so
- your safety or the safety of others in the community is at risk, or nib is required or permitted by law.
How to access your personal information?
You have a right to access your personal information. You may request details of your personal information by contacting nib’s Privacy Officer on 13 14 63 or at privacyofficer@nib.com.au.
How to make sure your personal information is accurate
The accuracy of your personal information is important to us. nib will take reasonable steps to ensure your personal information is accurate, complete and up to date. If you believe that any personal information nib holds about you is not accurate, complete or up to date, please contact nib’s Privacy Officer on 13 14 63 or privacyofficer@nib.com.au.
Your personal information is secure
nib takes all reasonable steps to ensure your personal information is kept secure. nib only permits its authorised personnel to access your personal information. Need more information? For further information regarding this OSHC Privacy Policy or any other steps nib has taken to protect your personal information or privacy, please contact nib’s Privacy Officer on 13 14 63 or at privacyofficer@nib.com.au
Changes to this Privacy Policy nib reserves the right to change this OSHC Privacy Policy from time to time. This OSHC Privacy Policy was last updated June 2010.
Principle rules and by-laws
You can’t have the same type of health insurance with more than one health insurer (e.g. you can’t have an OSHC package with 2 health insurers). But you can have OSHC cover with one health insurer and Extras only cover with another benefits will only be paid for claims which meet nib criteria nib reserves the right to recover any money paid in error or obtained fraudulently, or by any other means contrary to nib’s rules your customer number needs to be quoted on all claims. You’ll find it on the front of your nib OSHC Customer Card benefits are only paid if the claim is made within 2 years of when you received the service or treatment.
Benefits are not payable for:
Policy applications or claims where false or inaccurate information is supplied, services by providers not registered with nib, services where a customer is eligible to receive benefits from workers’ compensation or third party insurance, services given to customers of a provider’s family, or to a provider’s business partner and family. This also applies to people not independent from the provider’s practice (e.g. employees).