Chubb Life Insurance Company Ltd. (Incorporated in Bermuda with Limited Liability) and Chubb Life Insurance Hong Kong Limited are each an insurer authorized to carry out life insurance business in the Hong Kong Special Administrative Region (together referred to as “Chubb Life Hong Kong”, “Company”, “we”, “our”, “us”).
Please read this Privacy Policy carefully before using this website. By using this website, you consent to how we collect, use, hold, transfer and disclose your personal data as set out in this Privacy Policy. Chubb Life Hong Kong may revise this Privacy Policy and/or introduce additional terms and conditions from time to time by updating this Privacy Policy and its Personal Information Collection Statement (“PICS”). Please read this Privacy Policy and any applicable PICS provided to you every time you visit this website for your understanding of the most current terms and conditions to which you are bound.
Privacy Policy
Chubb Life Hong Kong is committed to safeguarding your personal data and implementing and complying with the data protection principles under the requirements of the Personal Data (Privacy) Ordinance (Chapter 486), Laws of the Hong Kong Special Administrative Region. This Privacy Policy applies to all products and services provided by Chubb Life Hong Kong and sets out how Chubb Life Hong Kong may collect, use, hold, transfer and disclose your personal data.
Chubb Life Hong Kong collects personal data in a number of ways including but not limited to when you (i) submit an application or claim, (ii) request services or products, (iii) contact us in person, phone, mail, email or online, (iv) participate in our programs, or (v) access our website and/or receive services from us. When you visit this website, Chubb Life Hong Kong will not collect any of your personal data until you submit a completed on-line form to us, register as a member, file information for job application purposes, log into the on-line service(s), and/or submit personal data whilst using the on-line service(s).
Types of Personal Data Held
The types of personal data Chubb Life Hong Kong collects from you will depend on the circumstances. Generally, Chubb Life Hong Kong may directly or indirectly collect personal data from you and/or other persons in connection with your application or insurance policy, for example your dependents, the insured, the beneficiaries, your authorized representatives (“relevant persons”), which personal data may include without limitation:-
- Name (in Chinese and in English);
- Date of Birth;
- Identity card number;
- Contact details (e.g. phone number, fax number, residential address, email address, etc.);
- Policy details;
- Transaction records;
- Financial background;
- Medical/health record and claims history;
- biometric data (including but not limited to your voice pattern and facial images); and/or
- location information based on your device.
When you provide personal data about another person to Chubb Life Hong Kong, you confirm you have obtained that person’s consent and have the authority to provide such personal data for use and transfer by Chubb Life Hong Kong for the purposes set out in this Privacy Policy.
Except for the purposes and in the circumstances as specified in the "Main Purposes of Collection of Personal Data" below, Chubb Life Hong Kong will not disclose any of your personal data to third parties except with your permission or under special circumstances, for example, where required by law or regulations, to protect our legal rights, for litigation or in connection with a merger, acquisition or sale of all or a substantial part of our business, with or to another third party company.
Main Purposes of Collection of Personal Data
The purposes for which your or relevant persons’ personal data will be used will depend on the circumstances under which that personal data is collected. Chubb Life Hong Kong will inform you of the purposes for which we intend to use your or relevant persons’ personal data in our PICS at or before the time of such collection.
Generally, Chubb Life Hong Kong may use your or relevant persons’ personal data for: (a) the purpose for which you provided it to us; (b) purposes which are directly related to the purpose for which you provided it to us; and (c) any other purposes to which you have consented. In particular, the purposes of collection may include:
- processing any insurance policy application;
- administering and processing your insurance policy, payment instructions and premium collection;
- performing medical, security and underwriting checks;
- assessing insurance claims and processing payments;
- providing insurance products and related services;
- with your consent, to promote and directly market to you and your related persons: (a) the insurance products and services of the Chubb Limited group of companies; (b) mandatory provident fund-related products/services sponsored by the third party scheme providers connected with us; (c) insurance, financial or investment related products/services, rewards, loyalty, co-branding and/or other privileges programs related to health, wellness, medical, entertainment, media, offered by third party partners appointed by us;
- performing data matching and communicating with you and/or your relevant persons for such purposes;
- cooperating with law enforcement bodies for law enforcement purposes, to prevent any serious threat to public safety; for police investigation purposes; or to comply with requirements imposed by or agreed with government or regulatory bodies or imposed by law or for litigation;
- applying registration of activities organized and/or sponsored by Chubb Life Hong Kong;
- enabling industry associations, federations, government or regulatory bodies to carry out their functions and requirements that may be assigned to them from time to time as are reasonably required and in the interests of the insurance industry;
- conducting research, surveys, data analytics and statistics, administration, communications, computer, security and other services (including medical services, mailing and IT services) in connection with the usual operations of the Company as a life insurance company; and
- for any other purpose directly relating to any of the above or as notified at the time of collection.
It may be necessary for you to provide certain categories of personal data to us and we will specify such categories to you at the time of collection. If you do not provide such specified personal data marked as required, Chubb Life Hong Kong may not be able to process your case and/or provide you with our products and/or services.
Classes of transferees
The third parties to whom your or relevant persons’ personal data will be disclosed or transferred will depend on the purposes for which that personal data is used. Chubb Life Hong Kong will inform you of the third parties to whom your personal data will be disclosed or transferred in the PICS at or before the time Chubb Life Hong Kong collects your personal data. Generally, personal data collected by Chubb Life Hong Kong through this website may be used, processed, stored, disclosed, transferred by Chubb Life Hong Kong to any of the following parties (whether within or outside the Hong Kong Special Administrative Region) to the extent necessary for the purposes as specified in (1) to (12) above:
- Group Companies;
- our authorized agents, insurance intermediaries, third party providers or administrators including healthcare providers, in connection with the placement or handling of your insurance policy and any related claims and/or services;
- reinsurers;
- claims investigators;
- loss adjudicators;
- medical advisors;
- recovery agents;
- insurance industry associations and federations;
- our appointed service providers providing payment, data processing, administration and/or other services in connection with our operations and provision of policy administration and insurance services;
- credit reference agencies;
- debt collection agencies;
- law enforcing bodies and police;
- fraud prevention/detection agencies;
- the Company’s appointed third-party agents, contractors and advisors;
- government or judicial or competent regulatory bodies or any person to whom Chubb Life Hong Kong is under legal and/or regulatory obligations to make disclosure; and
- other parties as notified to you at the time of collection.
In respect of use of your or relevant persons’ personal data for direct marketing purposes, Chubb Life Hong Kong may, with your prescribed consent:
- use your name, contact details and policy details (“Relevant Data”) for direct marketing of our insurance products and services;
- provide your Relevant Data to Group Companies for their direct marketing of their insurance products and services to you and other relevant persons;
- provide your Relevant Data to third party scheme providers connected with us for their direct marketing of their mandatory provident fund-related products and services; and
- for gain, provide your Relevant Data to our appointed partners for direct marketing of their products and services in relation to insurance, financial or investment related products/services, rewards, loyalty, co-branding and/or other privileges programs related to health, wellness, medical, entertainment, media, offered by third party partners appointed by us.
Chubb Life Hong Kong may only use your Relevant Data or disclose the same to the above specified transferees and any other third parties for direct marketing purposes with your prescribed consent. Chubb Life Hong Kong will inform you of the details of any such proposed use in the PICS at or before the time of such collection. You will be provided with an opportunity to opt-out of that direct marketing at that time. If you do not opt-out of direct marketing at that time, but you later decide that you no longer wish to receive direct marketing, you may ask us to cease any further direct marketing by writing to The Data Protection Officer of Life Administration of Chubb Life Insurance Company Ltd./ Chubb Life Insurance Hong Kong Limited (as the case may be) at 33/F, Windsor House, 311 Gloucester Road, Causeway Bay, Hong Kong.
Linked website(s)
This website may contain links to third party websites. You may be linked from this website to sites provided by the third-party organizations and should be aware that the information on those sites has been compiled and issued by those organizations. Chubb Life Hong Kong has no control over the content of such third-party websites or the way that the operators of those websites deal with your personal data. You should review the privacy policies applicable to those third-party websites to understand the ways in which those third parties may deal with your personal data. Chubb Life Hong Kong accepts no responsibility for the content of those websites and shall not be liable for any loss or damage arising from or related to their uses.
Information collected when you visit our websites
When you access this website, anonymous technical information may be collected about your activities on the website (e.g. your IP address, the date and time that you accessed the website, information relating to your browser and operating system, the pages visited etc.). Chubb Life Hong Kong may use "cookies" (pieces of information relating to your preferences sent by the website to your browser and stored on your computer harddrive). Cookies enable the website to remember you and your preferences when you visit the website and enable us to tailor the website to your needs. Our cookies will track only your activity relating to your online activity on our website and will not track your other internet activity. Our cookies do not identify you personally and do not gather any of your personal data. However, if you do not want to receive cookies you can disable this function by changing your browser settings.
Protection measures
Chubb Life Hong Kong will take all practical steps to ensure that your personal data held by us is protected against unauthorized or accidental access, processing, erasure, loss or use, or other use not stipulated herein. Chubb Life Hong Kong provides a highly secure online infrastructure for activities conducted via our website, including SSL (secure socket layer) encryption, IDS (intrusion detection system) and the use of firewalls and anti-virus software. Chubb Life Hong Kong also adopts stringent security procedures with the use of your user ID and passwords, time stamping and audit trails for all transactions, together with a dedicated internal transaction security policy. Our online infrastructure is closely monitored and maintained, with data backup and data recovery procedures and mechanisms.
Retention of personal data
Chubb Life Hong Kong will also take all reasonable steps to ensure that the personal data you provide to us are properly stored. Chubb Life Hong Kong will keep your personal data as long as necessary to achieve the purpose for which it was collected and to comply with legal and regulatory requirements. If Chubb Life Hong Kong no longer needs your personal data for any purpose, it will take reasonable steps to securely delete or destroy your personal data. Chubb Life Hong Kong will also comply with other applicable laws, including any Do Not Call and Do Not Spam legislation, in relation to conducting business via the internet, email marketing, telemarketing, direct mail marketing and legislation regarding identifying numbers. You warrant that all personal data and other relevant information provided by you in relation to and/or in connection with the on-line services are true, complete and up-to-date and that you agree to notify Chubb Life Hong Kong of all changes to the information previously provided.
Data access and correction rights
Chubb Life Hong Kong will take all practicable steps to ensure that the personal data kept about you is accurate. If you would like to access to and/or request correction of any your personal data held by us, please make the request in writing and forwarded to:
The Data Protection Officer of Life Administration or Human Resources or Agency Administration (if appropriate) of Chubb Life Insurance Company Ltd./Chubb Life Insurance Hong Kong Limited (as the case may be), 33/F, Windsor House, 311 Gloucester Road, Causeway Bay, Hong Kong.
Any request for access to and correction of information will be dealt with promptly and Chubb Life Hong Kong will use its best endeavors to handle such requests before the expiry of 40 days after receipt of your written request. A reasonable charge may be imposed for processing your access request; however no charge will be imposed for a correction request.
Enquiries
If you have any queries about our Privacy Policy and practices, please e-mail them to Enquiries.HKLife@chubb.com.
Inconsistency
In the event of any ambiguity or inconsistency between the English and Chinese versions of this Privacy Policy or any PICS, the English version will prevail.
Release Date: 4 April 2023