This Policy applies to nib holdings limited ABN 51 125 633 856 (nib holdings) and nib health funds limited ABN 83 000 124 381 (nib health) and their related bodies corporate (together referred to in this document as nib).
nib holdings limited is a company listed on the Australian stock exchange. nib health funds limited is an Australian private health insurance company registered under the Private Health Insurance Act 2007 which provides private health insurance products, including overseas visitors health cover (OVHC) and overseas students health cover (OSHC).
Other subsidiaries of nib holdings include:
Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable from the information, whether the information or opinion is true or not and whether it is recorded in a material form or not.
Sensitive information is a subset of personal information which is generally afforded a higher level of protection. It includes your health information, genetic information, biometric information, as well as information about your racial or ethnic origin, political opinions, membership of political, professional or trade associations, or trade unions, religious beliefs, sexual orientation or practices, and criminal record.
We collect personal information primarily to enable us to provide health benefits and related services. nib may also use this information for marketing to you or for any other purpose permitted under the Privacy Act (Cth). You do not have to identify yourself when you deal with us (e.g. to obtain a quote). However, we will in certain situations need to only deal with individuals who have identified themselves to us. Also, if the information provided to us is not accurate or complete, we may not be able to provide an accurate quote, or provide benefits for the requested health or related services.
The personal information nib collects and holds will depend on whether you are a customer or policy holder or a provider or shareholder or job applicant and which services you have used. Information that we collect about customers may include:
When you visit this website, your usage information is tracked using cookies and analysed by an analytics and optimisation service. The information collected may include:
Information that we may collect about providers includes:
When you apply for employment with us, information that we may collect includes:
nib may collect personal information directly from you (in person, by phone, electronically or online) when:
nib may also collect personal information from:
nib also collects information from other companies that provide services to nib, such as market research companies.
If you are a customer, the information we collect is used to:
If you are a provider, we use your information to administer claims, deal with complaints and update our customers. We may publish some or all of the information we collect about you on our website or communicate it to our customers in other ways, as a service to our customers.
If you are a job applicant, the information we collect is used to assess and process your application for employment with us.
We may also collect and use or disclose personal information of other individuals, such as guardians or other authorised individuals or carers, representatives of third party service providers, nib officers and directors and prospective employees, in order to provide our products and services, administer our business, manage job applications and comply with applicable laws.
In providing you with nib's health and related services and using personal information in accordance with this Policy, nib may disclose your personal information to other parts of our wider company, or other people and organisations assisting us with our services, located both in and outside Australia (including the Philippines, the USA and Sweden). Those entities include:
When we pass on personal information to others or outside Australia, we take steps to ensure that it is treated in the same way that we would treat it.
nib may also be required to disclose your personal information to other individuals on your nib policy, or to individuals to whom you have granted authority to act on your behalf. For example, at the time of joining nib, the person applying for the nib policy authorises nib, on your behalf, to share information with the policyholder. This means we may make the policyholder aware of the details of all benefits and services claimed on the policy by you as a customer under the policy.
Otherwise nib may disclose your personal information if:
nib uses and discloses your personal information to communicate with you (e.g. by mail, telephone, email and/or sms) about current and new nib or nib-branded products and services. You can ask us at any time to stop sending you direct marketing from a particular channel or at all, by contacting 13 14 63, visiting a Retail Centre or by emailing us.
Shareholding information may also be personal information. nib holdings limited has an arrangement with Computershare Investor Services Pty Limited ABN 48 078 279 277 (Computershare) to collect, store, use and disclose the personal information of shareholders on our behalf for the purpose of maintaining shareholdersâ€™ shareholding in nib holdings limited.
In its capacity as securities registrar, Computershare collects personal information on behalf of nib holdings limited about shareholders which may include name and address, security holding balances, tax file numbers, bank account details and email addresses. Computershare uses this personal information to maintain this shareholding.
As our share registry manager, Computershare is required to comply with the Corporations Act 2001 and Australian Stock Exchange Listing Rules, such as making public the name, address and number of shares held by registered shareholders. However, other information such as banking details, tax file numbers and holder reference numbers is private information and will only be used and disclosed in accordance with provisions of the Privacy Act 1988 (Cth) and the Taxation Administration Act 1953 (Cth). For more information on how Computershare handles personal information, please refer to its â€œPersonal Information Management Statementâ€ which is available at www.computershare.com.au
We collect and use your personal information to assess and process your application for employment with us, and we will not be able to process your application for employment without doing so. We may use this personal information to undertake background or reference checks to assess your eligibility for the position for which you applied. We may also retain the personal information you provide to us to consider your eligibility for, and advise you of, suitable employment opportunities in the future. You may 'opt out' of receiving future correspondence regarding employment opportunities.
nib may collect personal information about job applicants from third parties (e.g. referees) and service providers (e.g. psychometric testing service providers). nib may also collect personal information about job applicants from publicly available sources, for example through LinkedIn or other social media websites or other publicly available search tools.
nib uses third party service provider information technology platforms to assist in the recruitment process. These service providers may provide assistance to nib in storing or accessing the personal information you provide to us.
We may disclose your personal information to:
Some types of personal information are maintained in order to comply with national employment laws, taxation, national insurance and benefit schemes, and other laws and regulations. Other information is processed pursuant to an obligation owed to you.
nib takes reasonable steps to ensure your personal information is kept secure, and is not subject to misuse, interference and loss, unauthorised access, modification or disclosure. nib only permits its authorised personnel to access your personal information, and information will only be disclosed to third parties where they have the appropriate authority. We destroy or de-identify personal information we no longer need, wherever possible.
Health records collected by nib operated health service providers, will be held in accordance with health records legislation in the relevant State or Territory. Generally we are required to hold these records for at least seven years from the last time a health service was provided. If someone under the age of 18 used the health service, the records will be held at least until that person has turned 25.
You can access your personal information. nib generally makes this information available in standard formats, such as your claims or contributions statements. You can also access your personal information via nib's secure online services.
If you are a provider you can request details of personal information by contacting the Provider Hotline 1800 175 377, or by emailing [email protected] or by writing to us at the address below.
Other individuals can request details of personal information nib holds about them by emailing us or by writing to us at the address below.
We will need to verify your identity before we can provide you with access. We will in all cases respond to your request within a reasonable period, however there may be circumstances in which we cannot provide you with access in the manner requested or at all. If this happens, we will advise you in writing of our reasons and how you can complain about the decision.
You will not be charged for making an access request, however we may need to charge for the reasonable cost of processing your access request, including photocopying, copying of radiographs, supplying written reports, administration and postage.
The accuracy of your personal information is important to us. nib will take reasonable steps to ensure your personal information is accurate, complete, up to date and not misleading, and also relevant for any purpose for which we use or disclose it. But we also rely on you to advise us of any changes to your contact details and any other personal information. If you believe that any personal information nib holds about you is inaccurate, incomplete, out of date, irrelevant or misleading, please contact us immediately by emailing us or by writing to us at the address below.
If we are satisfied that the information needs to be corrected, we will take reasonable steps to do this. However there may be circumstances in which we may have to refuse a request for correction. We advise you of any refusal in writing and our reasons and how you can complain about our decision. In such a case you can also request that we associate a statement with that personal information that you believe should be corrected.
You will not be charged for making request for a correction or requesting us to associate a statement with your information.
nib health funds limited
22 Honeysuckle Drive
Telephone 13 14 63
Email [email protected]
If you are not satisfied with the result of your complaint to us, you can refer your complaint to the:
Office of the Australian Information Commissioner
Phone: 1300 363 992
Post: GPO Box 5218
Online form: www.oaic.gov.au (Privacy Complaint Form)