Health 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 your health 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.

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.

KBC Insurance processes your health data to:

• Enter into, manage and perform insurance contracts, including any associated ICT support, printed matter and filing. This includes, for example, medical acceptance 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

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. As a result, KBC Insurance must also be able to make automatically generated decisions based on your health data. 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.

KBC Insurance also processes your health data to create models, statistics and analyses to facilitate these purposes. KBC Insurance serves as data controller in these operations.

In short: KBC Insurance requires all this health 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. KBC does not process your health data for advertising or marketing purposes, nor does it allow third parties to do so.

Your health 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.

In some cases, KBC Insurance may share your health 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

In cases of severe bodily injury, we may forward your health data to our reinsurer which helps us monitor the financial consequences of your claim.

KBC Insurance will, in any case, only share the data that is absolutely necessary with third parties and KBC Insurance will make every effort to ensure that these third parties also process any data under the supervision of a physician.