We’ve also included information on how we might use your information for marketing purposes.
Whose personal information do we collect?
What personal information do we collect?
Personal information is any information or an opinion about you where your identity is apparent or can reasonably be ascertained. Sensitive information includes, but is not limited to, any information relating to a persons ethnicity or race, religion, or any health information collected or obtained directly from you or through third parties.
For the purposes of providing health, general and travel insurance and ambulance cover we collect and hold a range of information, including:
- A record of your name, address, age, dependants and contact details, including telephone and facsimile numbers and email addresses;
- Information relating to a claim for benefits concerning your health and any medical services or hospital treatment, including details of where, when and from whom you have received that medical service or hospital treatment and the nature of it;
- Bank account details;
- Credit card details (collected but not held);
- Details concerning your premiums and claims (if any) history;
- Medicare numbers of you and your dependants;
- If you pay your premiums through a payroll deduction scheme, information concerning your employer; and
Information concerning applications made and payments in respect of other products and services, which we supply either directly or as agents for others including general and travel insurance and ambulance, cover.
Latrobe uses its own membership numbers to identify members. While in certain circumstances we are required to collect government identifiers such as your Medicare number, we do not disclose this information other than when it is required or authorised by law, including under the Privacy Act 1988. We do not use your Medicare number to identify you.
Why do we collect personal information?
We collect, hold, use and disclose your personal information for a range of functions and activities to provide the products and services you have come to expect from us as a health insurer, including:
- establishing and maintaining your membership, which includes processing applications and related administrative tasks such as changes to contact details or other information;
- processing health and general insurance claims, and paying health benefits;
- updating the terms and conditions of your membership from time to time in accordance with changes to fund rules;
- providing you with information about products and services offered by us and others which we believe may contribute to the overall health of you and your dependants or meet your other insurance requirements;
- collecting, compiling and disclosing information to governmental agencies where we are required by law to make such a disclosure;
- administering general insurance policies on behalf of our underwriter and the policies or cover provided through others including travel insurance and ambulance cover;
- enabling you to collect the Australian Government Rebate by using your Medicare number;
- determining cover and eligibility for benefits by using information from your previous health insurer;
- determining waiting periods that may apply by referring to pre-existing ailment information; and
- making any other use of disclosure of that information as may be required by law.
When we might disclose personal information
We will only disclose your personal information in order to carry out our business functions and activities. The types of individuals and/or organisations to whom and the purposes for which we disclose your personal information include:
- The member named as the policy holder (or spouse) under a family cover policy concerning matters relating to the policy including levels of benefits available or paid under the policy;
- our contracted service providers who promote or assist us in administering or providing our products and services such as, for example, printers, mailing-houses, IT companies, internet service providers and other relevant service providers;
- your employer if you are part of a payroll deduction scheme or similar;
- hospitals, medical and other health service providers with whom you have had or may have a treatment episode and to whom fees may be payable;
- our professional advisers for example a dental adviser to review and validate claims;
- government agencies, where we are required by law to disclose this personal information; and
- our general insurance underwriter and other suppliers of products and services offered to you including travel insurance and ambulance cover.
Latrobe does not generally disclose information to overseas recipients but on the rare occasion that we are required to do so, we will always ensure that you have consented to such disclosure.
How do we collect personal information?
We will collect personal information directly from you or from third parties only where it is necessary for one or more of our functions or activities.
- We aim to collect personal information about you from you directly (in writing, in person or via telephone) however, in many instances, this may not be practicable and as such we may collect it from: Family members, especially where a family member is the member named as the policy holder in a family cover policy;
- Our brokers in relation to the provision of our products and services;
- Hospitals and medical and other health service providers;
- Your employer if you are part of a payroll deduction scheme or similar; or
- Government agencies.
How do we collect sensitive information?
We will only collect sensitive information (specifically health information) directly from you or from third parties with all necessary consents. Where you are under the age of 16 years, necessary consent may mean the consent of an appropriate adult who is most likely to be the member named as policy holder in respect of any family cover policy where there may be entitlement to benefits if you receive treatment.
By directly supplying sensitive information about yourself or any dependant or through a third party in order to make a claim for benefits you will be taken to have given your consent to the collection of that information.
Collection of information via the Latrobe Health Services’ website
When you visit our website, information about the computer or web device you are using is automatically recorded by our website. This includes your IP address, your domain name, the date and time of your visit to our site, the pages you accessed or downloaded, the last site you visited, your operating system, and the type of browser used.
This information is collected for statistical and administrative purposes, and to improve our web-based services. It does not readily identify individuals, and we will not attempt to identify individuals from the records generated unless it is necessary to do so for law enforcement purposes.
We use third-party services to collect general information about how people use our website (Google Analytics and Hotjar). This anonymous information is aggregated and doesn’t reveal personally identifiable information about anyone who uses our website.
When you become a member of Latrobe Health Services, you consent to us using your personal information for direct marketing purposes unless you contact us to withdraw your consent. Marketing will be limited to Latrobe Health Services’ product and member services, and relevant member information.
We may use your personal information to contact you (including by phone, text message or email) about products, services or information about your policy that we think may be of interest to you or necessary for you to be aware of. This may include our own, or a third party’s products or services.
In particular, we may contact you about products and services we think may be of interest to you after you cease to hold a private health insurance policy with us. For example, we might contact you about renewing your old policy or taking out a new policy.
How can I opt-out of receiving marketing material?
You may opt-out of receiving marketing information from us at any time by:
- calling us on 1300 362 144
- emailing us at email@example.com
Please allow five working days for your request to be actioned by us.
Security and quality of personal information
Latrobe takes all necessary and reasonable steps to ensure that the personal information we collect is relevant, accurate, complete and up to date.
All personal information is stored by Latrobe and reasonable steps are taken to protect your information from interference, misuse, loss, modification or disclosure from unauthorised access, in accordance of the requirements of the Australian Privacy Principles. We have in place a range of data security policies and procedures that aim to protect your information from both internal and external risk of unauthorised access and use.
Once the information collected is no longer required, it will be destroyed or de-identified according to Latrobe’s “Document Retention and Disposal Policy”.
Dealing with us anonymously or with a pseudonym
You can deal with us anonymously or with a pseudonym (false name or alias). You may choose to do this for a number of reasons, for example, but not limited to, the following situations:
- if you are making a general inquiry about the benefits we pay on a procedure there would be no need to provide your personal details; and
- if you contact us to obtain a quote for health insurance, you are not obliged to provide us with personal details including your name or address however, the quote may not include any rebate or lifetime health cover calculations specific to your circumstances.
If you wish to verify that you are covered for a procedure and whether waiting periods or limits apply, membership details will be required. Further, if you are making a claim or applying to become a member, it is not lawful or practicable for you to deal with us anonymously or through a pseudonym.
Requests for access to and correction of personal information
You may request details of the personal information we hold about you, or about any dependant aged less than 16 years or about any dependant of impaired capacity by writing to or contacting our Privacy Officer.
We will not charge a fee just because you make a request for access to your personal information. However, we reserve the right to charge a fee for the costs incurred in providing personal information in response to your request.
Depending upon the circumstances of your request for access, we may ask you to complete a personal information request form. The request must be supported by adequate personal identification to prove your entitlement to receive the requested information.
We will provide requested personal information in line with the Privacy Act. Where we are not obliged to provide the requested information, we may refuse your request on the basis that:
- providing access would pose a serious threat (or in the case of personal information other than the health information, a serious and imminent threat) to the life, health or safety of any individual or to public health or public safety; or
- providing access would have an unreasonable impact upon the privacy of other individuals; or
- your request for access is frivolous or vexatious; or
- the information relates to existing or anticipated legal proceedings involving Latrobe and would not be accessible by the process of discovery in these proceedings; or
- it is otherwise appropriate for us to refuse your request so that we can meet our obligations to you or others in accordance with the law and the Australian Privacy Principles.
We will respond to your request within 30 calendar days. If we refuse you access to any personal information, we will provide you with a reason for the refusal in writing. We may also consider the use of an agreed intermediary to receive the personal information rather than you if this is appropriate, or we may try to reach an amicable solution that meets the needs of all concerned.
If we become aware that information it holds about you is inaccurate, out of date, incomplete, irrelevant or misleading we will take steps to correct the information.
If you are aware that any of your personal information that we hold is inaccurate, incomplete or out of date, please let us know so that we can update our file. If any of your personal information is incorrect, we will correct that information, or if we refuse to do so, you will be provided with a reason for the refusal within 30 days. In any event, if we do refuse to make a correction, we will record a statement from you claiming that the disputed information, in your opinion, is not accurate, complete or up-to-date.
You may request that we notify any third party to whom we have disclosed the inaccurate information. We will take steps to have the third party correct, to the extent that it is practicable or lawful to do so.
Unsolicited personal information
If Latrobe receives any unsolicited personal information we will take steps to ascertain whether we could or could not have collected this information under Australian Privacy law and related guidelines. If we could not have collected the information, then we will destroy or de-identify this information as soon as practicable, providing it is reasonable and lawful to do so.
Your right to complain
Within 30 days of confirming receipt of your complaint (or receiving any further information required to investigate the complaint), we will responded in writing to you with the outcome of the investigation of your complaint including, if applicable, how we proposes to resolve your complaint.
If you believe, we have not resolved the issue you may refer the matter to the Privacy Commissioner’s Office.
How you can contact us or the Privacy Commissioner’s Office
You can contact us at:
Latrobe Health Services
32 McDonald Street
MORWELL VIC 3840
PO Box 41
MORWELL VIC 3840
1300 362 144
General: (03) 5128 9289
Privacy Officer: (03) 5128 9288
Privacy Officer: firstname.lastname@example.org
You can contact the Office of the Australian Information Commissioner at:
GPO Box 5218
SYDNEY NSW 1042
1300 363 992
02 9284 9666