Privacy Policy
1. Introduction
This Privacy Policy explains how Premier International Healthcare ("us", "we", "our") collects, uses, stores and discloses your personal information. By using our website or submitting an enquiry, requesting a quote, or applying for a policy, you agree to the terms of this Privacy Policy.
We may update this policy from time to time. The date at the top of this page will always reflect the most recent version.
2. Who We Are
Premier International Healthcare is an international private medical insurance provider committed to protecting your personal data in accordance with applicable data protection laws, including Thailand's Personal Data Protection Act B.E. 2562 (2019) ("PDPA").
3. What We Collect
We collect the following information:
Basic personal information — your name, email address, phone number, nationality and country of residence
Company information — where you enquire on behalf of an employer or group, your company name and job title
Health and medical information — when requesting a quote or applying for a policy, health declarations and medical history required for underwriting purposes
Communications data — records of your enquiries and correspondence with us
We do not collect or store payment card information directly. All payments are handled by an authorised third-party payment processor.
4. Why We Collect It
We use your information to:
Assess and process your insurance application
Administer your policy and manage your cover
Process and manage claims
Respond to your enquiries and provide support
Meet our legal and regulatory obligations
Send marketing communications where you have given consent
5. Sensitive Personal Data
Health and medical information is classified as sensitive personal data under the PDPA. By submitting health information through our website, you explicitly consent to Premier International Healthcare collecting and processing this data for the purposes of assessing your application and administering your cover. You may withdraw this consent at any time by contacting us directly, though doing so may affect our ability to provide you with insurance services.
6. Who We Share It With
We may share your information with:
Reinsurance partners, for underwriting and risk management purposes
Fronting partners, for local regulatory compliance in the markets we operate in
Claims administrators, for processing and managing claims
Payment processors, for handling premium payments
Regulatory and government authorities, where required by law
We do not sell your personal information to third parties.
7. Cross-Border Transfers
As an international insurance provider operating across multiple markets, your data may be processed in more than one country. All cross-border transfers are conducted in accordance with applicable data protection laws, with appropriate safeguards in place.
8. How Long We Keep It
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, including for the duration of your policy and any applicable legal retention periods. Enquiry data where no policy is taken out will be deleted after a reasonable period.
9. Your Rights
Under applicable data protection laws you have the right to access, correct, delete or transfer your personal information, withdraw consent, object to processing for marketing purposes, and lodge a complaint with the relevant data protection authority in your jurisdiction. To exercise any of these rights, please contact us through our website.
10. Data Security
We apply appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure or loss, including encryption and access controls.
11. Cookies
Our website uses cookies to improve your experience and analyse usage. Please refer to our Cookie Policy for full details and preference management options.