Privacy Policy and Purpose Statement

In this Statement, “We”, “Our” and “Us” means Chubb Insurance Singapore Limited (Chubb).  “You” and “Your” refers to individuals from whom We collect Personal Data.

This Statement is a summary of Our Personal Data Protection Policy and provides an overview of how We collect, hold, store, use, disclose, retain, give access to and correct Your Personal Data.  Our Personal Data Protection Policy may change from time to time and where this occurs, the updated Personal Data Protection Policy will be posted on Our website.

You can contact Chubb’s Data Privacy Officer about Your Personal Data at:

Chubb Insurance Singapore Limited
138 Market Street
#11-01 CapitaGreen
Singapore 048946
Email: dpo.sg@chubb.com

To the extent any Personal Data is collected through cookies, this Privacy Statement will supplement, and is to be read in conjunction with, the Cookies Notice.

“Personal Data” means data, whether true or not, about an individual who can be identified: (a) from that data; or (b) from that data and other information to which the organisation has or is likely to have access.

Chubb will collect, use, and disclose your Personal Data to the extent necessary for one or more of the purposes as prescribed in this Notice.

Chubb collects your personal data (which may include health information) when you:

1. apply for, change, or renew an insurance policy with us
2. access and use the Chubb website and/or other online services
3. apply for a claim
4. respond to our queries or request for us to contact you
5. interact with our representatives or agents through phone, email, in-person meetings and interviews, text messages or through other means of communication.
6. use any other services provided by Chubb, its third-party service providers, or business partners
    

We may also collect your Personal Data from sources other than yourself, and use, disclose and/or process such Personal Data for one or more of the prescribed Purposes.

Chubb will collect, use, disclose and/or process your personal data for and in connection with one or more of the following purposes:

(a) Offering and providing our products and services to you, including insurance products and services.

(b) Assessing and processing your application or request in relation to our insurance products and services.

(c) Administering and maintenance of your relationship, account and/or policy(ies) with us, including but not limited to; delivery of notices/statements/invoices/reports and other similar communications, updating your information and preferences within our systems.

(d) Any purposes in relation with your insurance claims submission, including the settlement of claims and any necessary investigations relating to the claims, under your policy.

(e) Performing due diligence, screening and verification checks or other similar activities in compliance with applicable laws, regulatory requirements or policies and procedures appliable within the Chubb Group.

(f) Responding to, and addressing your requests, complaints, and feedback.

(g) Any purposes in relation to investigation of fraud, misconduct, omission, or any unlawful action, whether relating to your application, insurance claims or any other matter relating to your policy, and whether there is any suspicion of the aforementioned

(h) Complying with applicable laws, regulatory requirements (foreign or domestic) and policies and procedures applicable within the Chubb Group, including monitoring reviews/audits and responding to (directly or indirectly) the relevant authorities in Singapore or any other jurisdictions where Chubb Group operates.

(i) Any purposes in relation with claims, actions and/or proceedings made by, against or involving you. Including but not limited to; exercising our rights to subrogation and disclosing any information necessary to substantiate the recovery of a claim.

(j) Conducting marketing activities by us, through our Third-Party Service Providers and/or Business Partners, only if you have given us your consent to do so.

(k) Requesting for your feedback or participation in surveys, compiling statistics and conducting market research or similar purposes to create/improve/identify products and services, including insurance products and services that may be of interest to you.

(l) Assessing and processing your application from our Career Site/ Independent Distribution Partners Site.

(m) Processing payment instructions in relation to your policy.

(n) Overseeing the safety and security of our premises, which involves activities such as CCTV surveillance and inspections.

(collectively the “Purposes”)

To the extent necessary for one or more of the purposes as prescribed in this Notice, Chubb may disclose your Personal Data to parties such as but not limited to:

1. Related companies within the Chubb Group.
2. Vendors providing operational services to Chubb, including courier services, rewards redemption, information technology services, telemarketing, medical service providers, travel and medical assistance, repairs, payment services, storage and archival services.
3. Vendors providing marketing and advertising services.
4. Vendors providing insurance or reinsurance services.
5. Professional advisors such as actuaries, claims investigators, claims handlers, loss adjusters, doctors, medical service providers, lawyers and legal advisors.
6. Distributors and Business partners.
7. Relevant authorities including governmental authorities, law enforcement agencies and insurance associations.
8. Any other person(s) that the Chubb Group is required to make disclosures to under any laws and regulations.
9. Any other third-party providing services relating to product and services offered by Chubb.
    

If these third parties are located outside Singapore, We take steps to ensure Your Personal Data remains adequately protected. 

We or our third-party service providers may use artificial intelligence (AI) to provide products or services to you, which may involve the use of your Personal Data from the Purposes described herein. We may use AI in connection with our products or services to facilitate and service our business (e.g., assist in underwriting, pricing, claims handling process or data management), as well as to enhance performance and user experience on our websites and applications. The type of AI we use varies based on your relationship with us and by product and service.

By enrolling for Chubb’s insurance products and using our platform(s) or services, you: 

(a) consent to Chubb collecting, using, disclosing and/or processing your personal data for the Purposes as described above;

(b) consent to Chubb collecting personal data about you from sources other than yourself and using, disclosing and/or processing the same, for one or more of the Purposes as described above;

(c) consent to Chubb disclosing your personal data to its third-party service providers, or business partners for the Purposes as described above; and

(d) consent to Chubb transferring your personal data to its third-party service providers, or business partners, some of which may be sited outside of Singapore, for the Purposes as described above.

Where there is a relevant legal exemption that applies to the way in which Chubb collects, use, and disclose your personal data, Chubb reserves the right to rely on such exemption only if and to the extent it is necessary to do so for one or more of the prescribed purposes set out in the first and second schedules of the Personal Data Protection Act 2012.

If You would like to correct, update, or access a copy of Your Personal Data, or withdraw Your consent to receiving offers of products or services from Us or Our associated organisations, then please contact the Chubb Data Privacy Officer at the contact details noted above.

Withdrawal of consent may affect how Chubb performs its services for you.

Chubb may charge you a minimum fee for access to your Personal Data to offset the administrative costs in complying with such requests.