Sensitive data

What type of data?

If you are insured through KBC Insurance or intend to purchase our products, or if you were involved in an accident and are seeking to file an insurance claim, KBC Insurance may process certain sensitive information about you, namely health data and criminal data.​

Health data relates to your past, present or future health condition. KBC Insurance receives this data, for example, via a questionnaire when you take out insurance or based on medical reports following a claim event.​

Criminal data is personal data relating to criminal convictions and offences or related security measures. It includes information in an official report drawn up by the police or details of previous criminal convictions that are provided when you want to take out insurance cover at KBC Insurance.​

What type of processing?

KBC Insurance processes this data to:​

• enter into, manage and perform insurance contracts, including any associated ICT support, printing and filing. This includes, for example, medical clearance for life insurance policies, calculating your premium, calculating discounts, or settling claims if you were to be hospitalised.​
• establish correct pricing and efficient cost management.​
• fine-tune terms of acceptance and terms of cover based on medical trends and developments.​
• detect and prevent insurance fraud.​

KBC Insurance processes this data to create statistics and analysis to facilitate these purposes. ​

To provide you with the highest possible level of service, KBC Insurance is opting for digitalisation and automation of some processes linked to entering into, managing and performing insurance contracts. Where possible, therefore, this data will also be used anonymously for modelling and training purposes and your data may also be processed by a model.​

In short: KBC Insurance requires all this data in order to be able to provide you and all other parties involved with high-quality and sustainable services now and in the future. ​

However, KBC does not process this data for advertising or marketing purposes, nor does it allow any third parties to do so.​

This data will only be available to the individuals who require it for the purposes stated above.​

These purposes are interrelated and enable KBC Insurance to provide you with efficient services.​

Health data

KBC Insurance will generally ask for your explicit consent for the processing of health data. In some cases, KBC Insurance may also base the processing of health data on one of the other legally permitted options for processing this data, such as to produce evidence in a court action.​

If you consent to the processing of your health data, this consent also applies to the making of automatically generated decisions based on this data.​

Your consent to the processing of your health data remains valid until you revoke it. You are entitled to do so at any time. This revocation may have implications for the further performance of your current insurance contracts or claims.​

For the processing of criminal data, KBC Insurance invokes primarily:​

• The necessity to perform a contract and duly defend your interests or to enable KBC Insurance to successfully fight claims submitted by third parties;​
• The public interest to enable KBC Insurance to perform the tasks assigned to it by law. ​

Criminal data​

For the processing of criminal data, KBC Insurance invokes primarily:​

• The necessity to perform a contract and duly defend your interests or to enable KBC Insurance to successfully fight claims submitted by third parties;​
• The public interest to enable KBC Insurance to perform the tasks assigned to it by law. ​

In some cases, KBC Insurance may share your data with a third party, which will be strictly limited to cases where this is required in order for KBC Insurance to handle your file or to perform certain core responsibilities (see above). KBC Insurance will take every measure to ensure your privacy and your data are protected at all times.

For example:

• If you are injured as the result of a claim event, KBC Insurance will share your health data that is relevant for the assessment of your bodily injury with a physician
• KBC Insurance will also share your health data with your health insurance fund to the extent necessary to handle your claim
• If you wish to take out an insurance policy, KBC Insurance may ask a physician to assess the medical questionnaire you completed
• To determine who is liable in a claim, KBC Insurance will exchange criminal data with the insurance company of the other party or with the appointed lawyer to defend your interests in court.​
• If applicable for certain policies, such as group hospitalisation, KBC may share relevant data about your entitlement to services with external third parties so that they can provide those services to you.​

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%%kbcverz% will, in any case, only share the data that is absolutely necessary with these third parties.

Specifically for health data, %%kbcverz% strives to ensure that these parties also process your data under the supervision of a physician. ​