Privacy Policy
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Privacy Policy
Last Updated: November 2025
Premier Health Insurance (“we”, “us”, “our”, or “Premier”) is committed to protecting your personal information and respecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mobile application (the “App”), our website (premierhealthinsurance.org), and any related services (collectively, the “Services”).
By using our App or Website, you agree to the terms of this Privacy Policy.
1. Information We Collect
We may collect the following categories of information:
- Identity Data: Full name, date of birth, gender, national ID or passport number.
- Contact Data: Phone number, email address, postal address.
- Health & Insurance Data: Medical history, policy number, claims information, beneficiary information.
- Payment & Transaction Data: Mobile money details, bank details, premium history, deposit proofs, billing details.
- Technical & Usage Data: IP address, device type, operating system, App usage statistics, access dates, and browsing activity.
- Referral Data: Referral codes, referral network information.
2. How We Use Your Information
We use your information to:
- Create and manage your insurance account and policies.
- Process payments, premiums, verification and claims.
- Provide customer support.
- Enhance and personalise your App and Website experience.
- Send notifications, alerts, and service updates.
- Prevent fraud and comply with legal obligations.
- Conduct analytics and improve our products and services.
3. Legal Basis for Processing
Where applicable, we process your personal data based on:
- Your consent.
- Performance of a contract.
- Compliance with legal obligations.
- Legitimate business interests.
4. Sharing Your Information
We may share your information with:
- Service providers such as IT vendors, payment processors, and claims administrators.
- Regulatory bodies and legal authorities when required by law.
- Professional advisers such as auditors or legal consultants.
- Affiliated partners assisting in service delivery.
- Successor organisations in case of mergers or business transfers.
We do not sell your personal information to third parties.
5. Data Security & Retention
We use industry-standard security practices, including encryption, secure servers, firewalls, and strict access control. We retain your information only as long as necessary for business, legal, or regulatory purposes.
6. Your Rights
Depending on your jurisdiction, you may have rights to:
- Access your personal information.
- Request corrections to inaccurate information.
- Request deletion of your information (where legally permitted).
- Object to or restrict processing.
- Withdraw consent.
- Request data portability.
To exercise any rights, contact us using the details below.
7. Cookies & Tracking Technologies
Our Website may use cookies and similar technologies to improve user experience, analyse traffic, and personalise content. You may disable cookies in your browser settings, but some features may not function correctly.
8. International Data Transfers
Your information may be transferred or stored in jurisdictions outside Ghana. Where this occurs, we ensure that appropriate safeguards are in place to protect your data.
9. Children’s Privacy
Our services are not intended for individuals under 18 years. We do not knowingly collect personal information from minors. If such information is collected unintentionally, we will delete it.
10. Contact Information
If you have questions about this Privacy Policy or wish to exercise your data rights, contact us at:
Premier Health Insurance
Email: info@premierhealthinsurance.org
Phone: +233302721727/+233302721728
Address: PMB 22, Ministries
Post Office, Accra
11. Changes to This Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated “Last Updated” date. You are encouraged to review it regularly.