Global Excel is a worldwide premium medical cost containment company, providing services to a broad range of market segments. Our partners trust our expertise in controlling healthcare costs for the management of their claims dollars as well as our ability to provide a superior member experience.
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Why we need your personal information
PSJ collects, uses and may disclose your information for the following purposes:
To open an insurance claim file under your name..
To verify your identity.
To provide you with assistance services.
To approve insurance benefits covered under your insurance plan.
To verify the accuracy of your private information.
To analyze claims.
To evaluate and adjudicate your claim.
To obtain indemnities from third parties responsible for your losses.
For other purposes that PSJ will identify to you before collecting, using and disclosing your information.
How we collect your personal information
PSJ collects your personal information directly from you. PSJ also collects personal information from third parties, when necessary, but not without first obtaining your express consent.
How we obtain consent from you
PSJ informs you why it needs your personal information before obtaining your consent. Consent may be inferred from your voluntary disclosure of your personal information. PSJ shall also obtain your express consent, orally or in writing, in the situations where your information is collected or disclosed. PSJ will obtain your consent when it is needed for a purpose not first identified to you. PSJ records your consent in your file.
Disclosure and use of your personal information
No personal information is disclosed to a third party without your written consent, unless the disclosure of your personal information is permitted or mandatory under Canadian Federal and Provincial Laws. PSJ will make sure your consent is enlightened, by informing you of the purpose for which we need to disclose the information. PSJ also discloses your personal information to the following parties, when necessary for the performance of their duties: the underwriter of your insurance coverage, PSJ subsidiaries, PSJ employees and third parties engaged by PSJ to provide services. PSJ limits the disclosure by disclosing only the personal information necessary for the accomplishment of the purpose previously identified to you.
Withdrawing your consent
You may withdraw your consent or refuse to have your information collected, used or disclosed for any purpose previously indicated to you. In certain circumstances, your consent may be required for legal or contractual reasons. In these circumstances, withdrawing or withholding your consent may affect our ability to offer services to you or, for example, your insurance coverage or your right to indemnification under an insurance contract may be affected. For more details, please contact our Privacy Officer.
Safeguarding your personal information
Your personal information is recorded in well-identified electronic files. Electronic documents are kept on secured databases and our Information Technology Department ensures that their integrity and accuracy are preserved. Access to these databases is restricted and systems are protected, in particular, through the use of firewalls. At PSJ no documents, disks, or any other physical or electronic document containing personal information can be discarded without first ensuring and verifying that it cannot be restored. All documents containing personal information that is no longer required are destroyed.
Accessing your personal information
PSJ verifies the identity of the requestor before giving access to personal information. In some cases, an administrative fee will be applicable. You can have access to your file by sending a written request. Upon reception of the written request, PSJ prepares a copy of the file and sends it to you only. If you believe that the information is not up to date or not accurate, PSJ will, at your request, amend or correct it if it is found to be deficient. For more details on how to access your Personal Information, please contact our Privacy Officer. Please see the section entitled “Questions, request for access, concerns” below. Under exceptional circumstances, access may be denied by PSJ.
Retention of your personal information
PSJ keeps your personal information as long as it is necessary to achieve the purposes for which it was collected and to satisfy legal and contractual requirements.
Questions, request for access, concerns
If you have any questions, if you wish to access your personal information, if you wish to challenge PSJ management of your personal information or have any other concerns relating to your personal information, please call +6221-75900102 and ask for our Privacy Officer. You may also contact our Privacy Officer at: email@example.com.