Legal Notice

Privacy Policy 
Your privacy and maintaining the confidentiality of your personal information is important to Aetna Health Insurance (Thailand) Public Company Limited (&quot;Aetna&quot;, &quot;we&quot;, &quot;our&quot;, &quot;us&quot;). This privacy policy (&quot;Policy&quot;) applies to all health insurance and related products and services provided by us and sets out how we may collect, use, disclose and protect your personal information. 
 
We may from time to time update or amend this Policy and all information will be governed by our most recent Policy. 
 
Collection of your information 
We do not collect information about individuals, unless we have informed you of what information we are collecting about you, and why we are processing it.&nbsp; 
We collect various types of personal information to enable us to provide you with health insurance, which includes administration of your plan and assessing and concluding any claims that you might make. The personal information we collect about you is limited to the following:
<ul>
	<li>your name, date of birth, address, telephone number, gender and email address.</li>
	<li>information about your health.</li>
	<li>your billing information, bank account number, credit card number, credit card expiry date.</li>
	<li>credit card security code, or other payment information.</li>
</ul>
 
Purposes of Data Collection and Use 
We use your personal information primarily:
<ul>
	<li>to provide, manage and administer our products and services to you.</li>
	<li>to register you as a member and manage your membership.</li>
	<li>to provide you with customer service and respond to your requests.</li>
	<li>to enable us to operate our business efficiently and sustainably.</li>
	<li>to provide you with:</li>
</ul>
i. information, materials and newsletters relating to our health and insurance related products, services or benefits, and third party health services and medical products, which we consider of potential benefit to you; and 
ii. personalised medical and wellness information.
<ul>
	<li>to enable you to utilise our health forums, online health assessment programs and mobile applications.</li>
	<li>to assess the applicable quotation for your insurance and determine insurance risk,</li>
	<li>to onboard you onto our plans.</li>
	<li>to administer and/or managing our relationship with you.</li>
	<li>to assess and/or process and/or deal with any claims under your policy.</li>
	<li>to carry out regulatory checks (including background checks) in accordance with legal or regulatory obligations or risk management procedures.</li>
	<li>to investigate fraud, misconduct, any unlawful action or omission.</li>
	<li>to meet our obligations under contracts of insurance, co-insurance, reinsurance and retrocession.</li>
	<li>to take legal action, concerning either third-party liability or third-party subrogation.</li>
</ul>
 
Data Disclosure 
In providing you with our products and services, we may be required to disclose personal information to other organizations or agencies, some of which may be located outside of Thailand. Where those third parties are located in jurisdictions that do not have the same level of protection for your personal data, we will conduct applicable due diligence and ensure appropriate contractual provisions are agreed to protect your personal data after transfer. 
We may send your personal data to the following third parties:
<ul>
	<li>the Office of Insurance Commission, for purposes of regulating us as a member of the insurance industry.</li>
	<li>regulatory bodies e.g. the Anti-Money Laundering Office, the Revenue Department.</li>
	<li>the Thai General Insurance Association and/or its designated offices, for purposes of statistics compilation and premium calculations.</li>
	<li>reinsurers and/or co-insurers.</li>
	<li>financial institutions or providers of financial services.</li>
	<li>service providers that are assigned by us to act on our behalf in insurance underwriting, risk surveying, claims settlement, legal proceedings, audit of accounts, and other work relating to contracts of insurance, or</li>
	<li>financial and legal organisations in connection with a liquidation, merger, acquisition or sale of all or a substantial part of our business with or to another company.</li>
</ul>
The circumstances where we may disclose your personal information to third parties include:

<ul>
	<li>When another organization helps us process transactions (for example claims payment via a bank), store data (for example cloud storage providers) or provide services to us to help fulfill our contractual obligations to you. Our business terms ensure that these third parties only use your personal data in connection with a specified purpose, and prohibit them from using your personal information for an unconnected purposes (including direct marketing).</li>
	<li>Where laws require or allow us to provide information to a government agency, regulatory body or authority.</li>
	<li>When a hospital provides medical care, or a provider helps administer a claim that you have made.</li>
	<li>When you are not the policy holder and membership details and benefit payments need to be confirmed with the policy holder.</li>
</ul>
 
Direct marketing 
Aetna will not sell your personal information. From time to time, Aetna may use your name, address, email address, telephone number and fax number to contact you about our health and insurance related products, services or benefits, together with third party health services and medical products which we consider of potential benefit to you and your family. When we contact you it may be via mail, phone, email, SMS or fax. If you do not wish to receive marketing material from us, please write to us at any time. 
 
Security of your information 
We take reasonable steps to ensure your personal information is kept secure from unauthorized access or disclosure. This includes steps to ensure that it your personal data is stored correctly and is protected from misuse and loss from unauthorized access, modification or disclosure. These steps include a range of systems and communication security measures, as well as the secure storage of hard copy documents. In addition, access to your personal information will be restricted to those with a genuine business need to have access. Even though we take steps to secure your personal information, you should be aware that no system is impenetrable, and no information provided over the Internet is totally secure. Accordingly, we cannot guarantee the security of information that you transmit to us or receive from us over the internet. You are requested not to send confidential details or credit card numbers, for example, by email unless specifically requested by us. 
 
Retention of personal information 
We keep your personal information only as long as necessary to provide you with the products and services you requested from us and to comply with our legal obligations. If we no longer require your personal information for any purpose, the data retention period we will retain your personal data is subject to our data retention policy and procedures which the expected data retention period is 10 years. 
 
Data subject rights 
You have the rights, subject to the requirements of the law, provided for by the Personal Data Protection Act, B.E. 2562 (2019) as follows: 
i. the right to request access to your personal data or request us to disclose how your personal data has been obtained. 
ii. the right to request correction, completion or an update of your personal data, 
iii. the right to portability, including the right to request us to send or transfer your personal data to another data controller(s), or request to directly obtain your personal data that we send or transfer to other data controller(s), unless it is technically impossible to do so, 
iv. the right to object to the collection, processing or disclosure of your personal data at any time in accordance with statutory requirements. 
v. the right to request us to erase, destroy or de-identify your personal data in accordance with statutory requirements., 
vi. the right to request us to restrict the use of your personal data in accordance with statutory requirements., 
vii. the right to lodge a complaint in the event that we, our employees or our processors violate or do not comply with the Personal Data Protection Act, B.E. 2562 (2019) or any notification issued pursuant to the Act. 
Please note, however, that if you exercise your rights as per paragraphs iv) &ndash; vi) above, it may make it impossible for us to accept your insurance application or insurance claims or to offer insurance and/or other services to you. 
 
Our Data Protection Officer (DPO) 
Aetna Health Insurance (Thailand) Public Company Limited 
98 Sathorn Square Office Tower, 14th-15th Floor, North Sathorn Road, Silom, Bangrak, Bangkok 10500 
8.30 a.m. - 5.30 p.m. (Monday - Friday) 
 
Name: Mr. Craig Saunders (Data Protection Officer) 
E-mail: <a href="mailto:th-dpo@th.aetna.com">th-dpo@th.aetna.com</a>​

Data Privacy Notice

​​Privacy Policy 
Your privacy and maintaining the confidentiality of your personal information is important to Aetna Health Insurance (Thailand) Public Company Limited (&quot;Aetna&quot;, &quot;we&quot;, &quot;our&quot;, &quot;us&quot;). This privacy policy (&quot;Policy&quot;) applies to our direct marketing as outlined below and sets out how we collect, use, disclose and protect your personal information. 
 
We may from time to time update or amend this Policy and all information will be governed by our most recent Policy. 
 
Collection of your information 
We do not collect information about individuals, except where this is specifically stated and with your knowledge. This policy governs the personal data we collect and use for the purposes of marketing goods and services to you. The personal information we process in order to conduct our marketing includes your name, date of birth, address, telephone number, gender and email address. 
 
Purposes of Data Collection and Use 
We will use personal information under this policy for the following purposes:
<ul>
	<li>to provide you with information, materials and newsletters relating to our health and insurance related products, services or benefits;</li>
	<li>third party health services and medical products, which we consider of potential benefit to you.</li>
</ul>
We will communicate with you by email, telephone, text message or post for the purposes identified above. Where you have a preferred method of communication, please let us know so that we can accommodate your request and communicate through your preferred channel.&nbsp; 
 
Data Disclosure 
Where laws require or allow us to provide information to a government agency, regulatory body or authorized authority, we may be required to send your personal data on to the following third parties:
<ul>
	<li>the Office of Insurance Commission, for purposes of regulating the insurance industry</li>
	<li>other statutory regulating bodies as required by laws, e.g. the Anti-Money Laundering Office, the Revenue Department, etc.</li>
	<li>the Thai General Insurance Association and/or its designated offices, for purposes of statistics compilation and premium calculations.</li>
	<li>In connection with a merger, acquisition or sale of all or a substantial part of our business with or to another company.</li>
</ul>
 
Direct marketing 
Aetna will not sell your personal information to anyone. From time to time Aetna may contact you about our health and insurance related products, services or benefits, and third party health services and medical products, which we consider of potential benefit to you or a beneficiary of your policy and your family. When we contact you, it may be via mail, phone, email, SMS or fax and depends on your preferred communication channel. 
 
Security of your information 
We take reasonable steps to ensure your personal information is kept secure from unauthorized access or disclosure. This includes steps to ensure that it your personal data is stored correctly and is protected from misuse and loss from unauthorized access, modification or disclosure. These steps include a range of systems and communication security measures, as well as the secure storage of hard copy documents. In addition, access to your personal information will be restricted to those with a genuine business need to have access. Even though we take steps to secure your personal information, you should be aware that no system is impenetrable, and no information provided over the Internet is totally secure. Accordingly, we cannot guarantee the security of information that you transmit to us or receive from us over the internet. You are requested not to send confidential details or credit card numbers, for example, by email unless specifically requested by us. 
 
Retention of personal information 
We keep your personal information for as long as it is required to provide you the direct marketing outlined above and to comply with legal requirements. We will retain your personal data in accordance with our data retention policies and procedures. 
 
How to stop our marketing &amp; how to withdraw consent 
You can stop receiving marketing communications from us, and any of our applicable partners, by emailing the DPO address provided below. You will need to set out your request, or simply inform us if you want to change your preferred method of communication. Please note that by stopping any marketing communications, you may not receive promotions or product offers from ourselves, our group companies or our partners. 
 
However, we will continue to send you non- marketing communications such as service information about the policy you have purchased, and its associated benefits. 
 
Data subject rights 
You have the rights, subject to the requirements of the law, provided for by the Personal Data Protection Act, B.E. 2562 (2019) as follows: 
i. the right to request access to your personal data or request us to disclose how your personal data has been obtained. 
ii. the right to request correction, completion or an update of your personal data, 
iii. the right to portability, including the right to request us to send or transfer your personal data to another data controller(s), or request to directly obtain your personal data that we send or transfer to other data controller(s), unless it is technically impossible to do so, 
iv. the right to object to the collection, processing or disclosure of your personal data at any time in accordance with statutory requirements. 
v. the right to request us to erase, destroy or de-identify your personal data in accordance with statutory requirements., 
vi. the right to request us to restrict the use of your personal data in accordance with statutory requirements., 
vii. the right to lodge a complaint in the event that we, our employees or our processors violate or do not comply with the Personal Data Protection Act, B.E. 2562 (2019) or any notification issued pursuant to the Act. 
Please note, however, that if you exercise your rights as per paragraphs iv) &ndash; vi) above, it may make it impossible for us to accept your insurance application or insurance claims or to offer insurance and/or other services to you. 
 
Our Data Protection Officer (DPO) 
Aetna Health Insurance (Thailand) Public Company Limited 
98 Sathorn Square Office Tower, 14th-15th Floor, North Sathorn Road, Silom, Bangrak, Bangkok 10500 
8.30 a.m. - 5.30 p.m. (Monday - Friday) 
 
Name: Mr. Craig Saunders (Data Protection Officer) 
E-mail: <a href="mailto:th-dpo@th.aetna.com">th-dpo@th.aetna.com</a>

Data Privacy Notice (Marketing)

The information handling processes outlined in this section relate to any personal information collected online via our website located at <a href="https://www.aetna.co.th">www.aetna.co.th</a> (&quot;our website&quot;). 
 
We do collect information on a visitor&rsquo;s activity on the website. This is commonly referred to as &lsquo;web analytics&rsquo; information, which may include (but is not limited to) information such as where the visitor has come from (e.g. referring domains, search engines, marketing campaigns), the type of browser or operating system used to access our website, pages viewed, date and time of access, the site path of the visitor, which content visitors are clicking on, which products visitors are interested in and purchase. We do not collect any personal information (e.g. name, address, email address) using the web analytics but we do collect IP addresses. Aetna does not link any &lsquo;web analytics&rsquo; information to an individual. Aetna uses this information to ensure that Aetna websites are providing the best possible customer experience and providing relevant products. 
 
We also use &quot;cookies&quot; which are alphanumeric identifiers that are stored by your web browser on your hard-drive relating to your preferences, which enable our system to recognize you when you visit the site. This helps us track basic visitor information so that we can better tailor our website to your needs. Most web browsers automatically accept cookies but you can disable this function by changing your browser settings if you so wish. However, if you do so you may not be able to take full advantage of our website. 
 
We may share overall visitor trends and other generic information collected on our website with third parties but we will not disclose any personal details or personally identifiable information without your specific consent. 
 
We do collect non-specific visitor information by means of web analytics tools such as Omniture and Google Analytics on most parts of the website. This information is related to your browser and operating system and does not include any personal details. You can find out more about Omniture and Google Analytics on their respective websites. 
 
Our website contains links to websites operated by third parties. We have no control over the content of the linked websites or the way in which the operators of those websites deal with your personal information. We encourage you to review the privacy policies applicable to these third party websites to understand the ways in which your personal data may be used by those third parties. 
 
Terms and Conditions of Use 
1. This website is operated by Aetna Health Insurance (Thailand) Public Company Limited (&quot;Aetna&quot;, &quot;we&quot;, &quot;our&quot;, &quot;us&quot;). Aetna grants you a royalty-free, world-wide, revocable licence to use and access this website in accordance with these terms and conditions of use (&quot;Terms of Use&quot;). 
2. Your use of this website constitutes your agreement to these Terms of Use. We reserve the right to amend these Terms of Use at any time by posting an updated version on our website. Your use of this website following such amendments constitutes your acceptance of the Terms of Use as amended. 
 
Use of the website 
3. You must not do (or attempt to do) any of the following acts, nor assist others to do any of the following acts:
<ul>
	<li>use the website for any activities which breach any applicable laws or infringe the rights of any third party.</li>
	<li>use the website to post or transmit information or material: that is defamatory, abusive, offensive or vulgar; or that is of a commercial nature or intended to solicit business.</li>
	<li>knowingly transmit any viruses or other computer programs that may damage or interfere with the website.</li>
	<li>tamper with or modify the website.</li>
	<li>use the website to send unsolicited electronic messages.</li>
</ul>
Notice and Disclaimer 
4. Unless otherwise specified, the materials on this website are directed solely at those who access this website from Thailand. Aetna makes no representation that any information, product or service referred to in the materials on this website is appropriate for use, or available, in other locations. Those who choose to access this website from other locations are responsible for compliance with local laws if and to the extent local laws are applicable.&nbsp; 
5. Unless otherwise stated, this website is for information only. Aetna has used all reasonable care and skill in compiling the content of this website but to the extent permitted by law, makes no warranty as to the suitability or accuracy, completeness or reliability of any information on this website for any purpose. Aetna shall not be liable for any errors or omissions in any material on the website. Aetna disclaims all warranties and conditions with regard to information or material contained on the website, including any implied warranty of merchantability or fitness for a specific purpose. Aetna makes no warranty or representation regarding your access to the website or any content accessed via the website, including without limitation: (i) that your access to the website will be uninterrupted and error-free; (ii) that the website and/or server is free from viruses or harmful components; and (iii) that any defects will be corrected.&nbsp; 
6. Sometimes we include content featuring or graphically representing medical or surgical procedures, which are only ever provided for educational or informative purposes. If you find or are likely to find such images offensive please do not view them or if necessary click on the &quot;Back&quot; button at the top left hand corner of your screen or click on the &quot;Home&quot; link which appears as the first tab on the row of tabs towards the top of the screen. Given that there is such content on this site, the website should not be accessed by anyone under the age of 18, and parents are advised not to allow their children to browse this site.&nbsp; 
7. Aetna shall not be liable to any person for any loss or damage which may arise from the use of any of the information contained in any of the materials on this website. The information contained in any such materials is not intended nor implied to be a substitute for professional medical advice nor is it intended to be for medical diagnosis or treatment.&nbsp; 
8. Under no circumstances shall Aetna be liable for any loss, cost or expense (whether direct, indirect, special or consequential) arising from your use or inability to use the website and any information or materials posted on the website.&nbsp; 
9. Aetna does not exclude liability for damage arising from death or personal injury caused by the negligence of Aetna or any of its employees or agents. 
 
Indemnity 
10. You agree to indemnify and hold Aetna harmless from and against any and all claims, actions, demands, damages, liabilities, costs or expenses (whether in tort or contract, including without limitation negligence) arising out of or in connection with your use of the website. 
 
Third Party Content and Links 
11. Material appearing on this website will include advertising and other material submitted by parties other than Aetna and this website will provide links to other websites operated by advertisers and third parties. It is the responsibility of these third parties to ensure that such material and such websites comply with all relevant laws and regulations. To the full extent permissible by law, Aetna disclaims all responsibility for any error, omission or inaccuracy in such material or its failure to comply with the relevant laws or regulations. 
 
Linking to the Aetna website 
12. If you would like to link to the our website, please email us at&nbsp; marketing@aetna.co.th 
 
Termination 
13. Aetna may terminate these Terms of Use or your use of the website at any time without notice if you breach these Terms of Use. 
 
Governing Law and Jurisdiction 
14. These Terms of Use are governed by and construed in accordance with Laws of Thailand. Any disputes arising from these Terms of Use shall be subject to the jurisdiction of the Thailand Courts. 
 
Sanction Exclusion Clause 
15. Whenever coverage provided by any insurance policy would be in violation of any United States (US), United Nations (UN) or European Union (EU) economic or trade sanctions, such coverage shall be null and void. For example, we cannot pay for health care services provided in a country under sanction by the United States unless permitted under a written Office of Foreign Asset Control (OFAC) license. Learn more on the US Treasury&rsquo;s website at: <a href="https://www.treasury.gov/resource-center/sanctions.">www.treasury.gov/resource-center/sanctions.</a> 
 
General 
16. If any part of this notice and disclaimer is deemed unlawful, void or for any reason unenforceable then that part will be deemed severable and will not affect the validity and enforceability of the remaining parts. 
17. If Aetna does not act in relation to a breach of these Terms of Use by you, this does not waive Aetna&#39;s right to take action with respect of similar breaches in the future. 
​18. All rights not expressly granted herein are reserved by Aetna.