We might share your personal information with two types of organizations – companies inside the AXA Group, and other third parties outside the Group. For further details of the types of company we share data with and the types of disclosures, please see below. We won’t share any of your personal information other than for the purposes described in this Privacy Policy. 

Who might we disclose your personal information to?

Disclosures within our Group

In order to provide our services, your personal information is shared with other companies in the AXA Group. Your personal information might be shared for our general business administration, efficiency, and accuracy purposes, or for the prevention and detection of fraud, and when we make changes to our Group company structure.   

Your personal data may be processed by a number of AXA Partners entities in the administration of customer service, claims and assistance services, including but not limited to entities in Argentina and Mexico.

We also use a number of AXA entities to provide shared operational, IT and infrastructure related services to us, both from within the AXA Partners group of companies and the wider AXA Group. One such service is sanctions screening alert handling, which is conducted by AXA Global Business Solutions located in India.

Where personal data is shared with or accessed by an AXA entity outside the US, they are a member of the AXA Binding Corporate Rules (see Data Privacy Declarations section below) and together we ensure that there are sufficient measures in place to provide a similar level of protection.

Disclosures to third parties outside our Group

We also disclose your information to the types of third parties listed below for the purposes described in this Privacy Policy. This might include:

  • Your relatives, guardians, or someone else acting on your behalf where you are incapacitated or unable, or other people or organizations associated with you such as your insurance, employer, or your lawyer
  • Where you have named an alternative contact (such as a relative) to speak with us on your behalf. Once you have told us your alternative contact, this person will be able to discuss all aspects of your policy (including claims) with us and make changes on your behalf
  • Providers of assistance services both within the UK and internationally. Below are some examples relevant to each product type: 

Travel Assistance:

- Hospitals

- Medical Centres

- Medical House Call Companies

- Medical Repatriation Companies (Dr & Nurse Escorts)

- Laboratories

- Road ambulance companies

- Air ambulance companies

- Travel Agents

- Taxis

- Hotels

- Correspondents

- Translators, interpreters

- Car Rental

- Funeral directors

  • Our insurance partners such as brokers, other insurers and reinsurers;
  • Other companies who act as insurance distributors;
  • Service providers and suppliers, including but not limited to:

- Payment providers, like Worldpay, PayPal, or Western Union

- Banking providers

- IT support and system/platform providers, like Capgemini

- IT infrastructure and cloud providers, like Microsoft, Iron Mountain, Amazon Web Services, and Google

- IT suppliers that provide specific technology to support claims handling processes

- Communication service providers

- Customer feedback and survey providers, like Qualtrics, Trustpilot, and Survey Monkey

  • Third party administrators and claims handlers used by us to provide certain products and services;
  • We may share the personal information of any persons named on the policy with third parties to obtain information which may be used to inform risk selection, pricing, and underwriting decisions;
  • Fraud detection agencies and other third parties who operate and maintain fraud detection registers and/or assist with identification checks;
  • The police and other third parties or law enforcement agencies where reasonably necessary for the prevention or detection of crime;
  • Regulatory bodies and legal authorities;
  • Government authorities;
  • Auditors and professional services companies;
  • Debt collection agencies;
  • Other insurers for the purpose of coordinating benefits where there is another insurance covering the same loss, damage, expense, or liability.

Disclosure of your personal information to a third party outside of the AXA Group, with the exception of law enforcement agencies or other bodies exercising their official authority, will only be made where the third party has agreed to keep your information strictly confidential and will only be used for the specific purpose for which we provide it to them.

We may also disclose your personal information to other third parties where:

  • we are required or permitted to do so by law or by regulatory bodies such as where there is a court order, statutory obligation or regulatory request;
  • in connection with any legal proceedings (including prospective proceedings);
  • in order to establish or defend our legal rights;
  • we believe that such disclosure is necessary to assist in the prevention or detection of any criminal action (including fraud) or is otherwise in the overriding public interest;
  • in connection with the sale, transfer or disposal of our business or any part of our business; or
  • exemptions under the data protection legislation allow us to do so.

Due to the global nature of our business, we may transfer your personal information to parties located in other countries.  For example, we may transfer personal information in order to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities.  By providing personal information and other information to AXA you understand and consent to the collection, use, processing, disclosure, and transfer of such information in the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Privacy Policy.

Links to other websites

We may have links to other companies or organizations on our websites or apps. We may also include social media widgets, such as “Share This” buttons and links to third-party websites, like Facebook and Instagram. These companies and features may collect your information and use cookies or similar technologies to enable these features to function properly. We are not responsible for how these third parties collect, use, disclose, secure, or otherwise process the information that you provide to them. Please read their privacy policies so you can learn how their websites or apps use your information.