Privacy Policy

Last updated 02/08/2016

Our Commitment to Your Privacy

Erika Försäkringsaktiebolag (“Erika”) is committed to protecting the privacy of our customers. The Erika privacy policy (the “Privacy Policy”) applies to all personal data collected by us, or submitted to us, whether offline or online, including personal data collected or submitted through our websites (the “Websites”) or through other channels as further described below. If you do not agree with any of the terms of this Privacy Policy, please do not use the Websites or submit any personal data. Erika processes your personal data in compliance with applicable privacy and data protection legislation.

1. Personal Data

Personal Data” is information or pieces of information that could allow you to be personally identified such as for example:

  • Medical condition (e.g. allergies or illness)
  • Claims data (e.g. incident data or treatment)
  • Name and contact details (e.g. postal and email address, telephone number)
  • Country of residence
  • Birth date
  • Bank account details

How do we collect Personal Data?

We may collect Personal Data in a variety of ways, including:

  • From our corporate affiliates, service partners, assistance providers or claim handlers: Our corporate affiliates may provide us with Personal Data before, during and after you take part of a program. We work with claim handlers and assistance providers, including but not limited to AETNA Student Health and Falck Global Assistance, who may provide Personal Data to us in connection with the checking of eligibility or handling of an insurance claim. We also work with service partners for e.g. customer service.
  • Directly from you: Information may be collected directly from you, for example:
    • Offline: We may collect Personal Data from you offline, such as when you contact customer service, provide information to us on a physical form or otherwise provide us with Personal Data offline.
    • Online: We may collect Personal Data through the Websites, e.g. using cookies. Cookies allow a web server to transfer data to a computer or device for recordkeeping and other purposes. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies. To learn more about cookies, please visit http://www.allaboutcookies.org/. For detailed information about the cookies we use and the purposes for which we use them, please see our cookies policy.

We may also collect certain non-personally identifiable information about your use of our services through your browser, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and service provider. In addition an IP Address is identified and logged automatically in our server log files whenever you visit the Websites, along with the time of the visit and the page(s) that were visited. These data are not related to any identified or identifiable person and are used for anonymous statistical analyses and to improve the Websites.

How do we use Personal Data?

Your Personal Data will be processed by Erika for the purposes of providing you with travel insurance coverage, including checking your insurance eligibility, administering medical assistance and processing insurance claims; for customer service; administrative services or as otherwise necessary to fulfil our obligations towards you.

We may also use Personal Data for statistical purposes, calculating usage levels, and helping diagnose server problems as well as to ensure that the Websites function properly.

How do we share Personal Data?

We may share your Personal Data with our corporate affiliates, claim handlers and assistance providers, business partners and reinsurers both within and outside the EEA/Switzerland. Such service providers are contracted by Erika and subject to the same data protection provisions as Erika itself. We have put appropriate safeguards in place for transfers of your Personal Data outside the EEA/Switzerland, including the standard data protection clauses adopted by the European Commission. For more information on standard data protection clauses in place, please see the contact section below.

We may also share Personal Data as we believe to be necessary: (a) under applicable law; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.

2. Security

We use appropriate organizational, technical and administrative measures to keep your Personal Data under our control accurate and up-to-date, as well as to protect your Personal Data against unauthorised or unlawful processing and the accidental loss or destruction of, or damage of the Personal Data.

If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section.

3. Third Party Sites

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site to which the Websites contain a link. The inclusion of a link on the Websites does not imply endorsement of the linked site by us or by our affiliates.

4. Retention Period

We will only keep your Personal Data for as long as it is necessary for the purposes for which it has been collected, in accordance with time limits stipulated by law and market practice, or until you withdraw your consent, unless further retention is necessary for compliance with a legal obligation, for the establishment, exercise or defence of legal claims or unless a specific time period has been communicated.

5. Minors

If you are over the age of 16 but under the age of 18, you should review the terms of this Privacy Policy with your parent or guardian to make sure you both understand them. Although we are not responsible for determining the age of our users, we may carry out verification checks. If we learn that we have collected Personal Data from an individual under the age of 16 without parental or legal guardians’ consent, we will delete that data as soon as possible and may disable that individual’s access to the Websites or take any other appropriate actions as we deem necessary.

6. Updates To This Privacy Policy

Our Privacy Policy may change from time to time. We will not significantly reduce your rights under this Privacy Policy without informing you. We will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice.

7. Contact Us

You have the right to, at any time, withdraw your consent or object to us using your Personal Data otherwise by contacting us as set out below. If you would like to have a copy of the information Erika holds about you; a copy of the standard data protection clauses; would like to rectify or erase Personal Data; restrict the processing of Personal Data; otherwise object to our processing; wish to report any breaches of the Privacy Policy; or use your right to data portability, please contact us at the address Erika Försäkringsaktiebolag, Strandvägen 13B, PO Box 55569, SE-102 04 Stockholm or click here.

If we are unable to satisfactorily resolve your concerns about our handling of your Personal Data, you can contact the supervisory authority in the country where you live.