Privacy Policy

1. Who We Are

Elective Health Ltd is a UK-based health and life insurance brokerage. We help individuals and businesses find and manage suitable private medical and life insurance solutions. We are committed to protecting your privacy and ensuring that your personal data is handled in a lawful, fair, and transparent manner, in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. What Personal Data We Collect

We collect this information directly from you via phone calls, emails, forms, or through our website:

• Full name
• Date of birth
• Contact information (email address, phone number)
• Medical information (where relevant for quotations)
• Lifestyle and occupation details
• Any other data provided for the purpose of obtaining insurance quotes or managing policies

3. How We Use Your Data

• Providing insurance quotes
• Recommending suitable insurance products
• Administering insurance policies (e.g. applications, renewals, updates)
• Complying with our legal and regulatory obligations
• Sending occasional marketing communications (see Section 6)
• Website functionality and usage analytics via cookies

We do not sell your personal data to third parties.

4. Lawful Bases for Processing

• Contract: To take steps at your request prior to entering into a contract or to fulfil our contractual obligations
• Legal obligation: Where we are required to comply with laws and regulations
• Legitimate interests: To run our business and improve our services e.g. analytics, customer support
• Consent: Where required, especially for marketing communications or sensitive medical data

You may withdraw your consent at any time by contacting us at info@electivehealth.co.uk.

5. Who We Share Your Data With

• Insurance providers (for obtaining quotes or submitting applications)
• Third-party service providers acting on our behalf (e.g. compliance support, IT services)
• Regulatory bodies or law enforcement (where legally required)

All partners and service providers are required to protect your data in accordance with data protection laws and our privacy standards.

6. Marketing Communications

We may occasionally send you marketing emails about relevant insurance products or services, particularly if:

• You are an existing client
• You are a lead who has expressed interest in our services

You can opt out of marketing communications at any time by clicking the unsubscribe link in the email or contacting us at info@electivehealth.co.uk.

7. Cookies and Website Analytics

Our website uses cookies to enhance your browsing experience and help us understand how users interact with our site. Cookies may be used for:

• Website functionality
• Traffic and usage analytics
• Improving customer experience

You can control or disable cookies through your browser settings.

8. Where Your Data Is Stored

All personal data is stored securely on servers located within the United Kingdom. We do not transfer or store personal data outside of the UK or EEA.

9. How Long We Keep Your Data

We retain personal data only for as long as necessary:

• To provide our services and manage your insurance
• To comply with legal or regulatory obligations (typically up to 6 years after the end of our relationship)
• For the handling of potential complaints or claims

After this period, data will be securely deleted or anonymised.

10. Your Data Protection Rights

• Access: You can request a copy of the personal data we hold about you
• Correction: You can request that we correct any inaccurate or incomplete data
• Erasure: You can ask us to delete your data in certain circumstances
• Restriction: You can ask us to limit how we use your data
• Objection: You can object to the use of your data for direct marketing or under our legitimate interests
• Data portability: You can ask us to transfer your data to another service provider where applicable

To exercise any of your rights, please email info@electivehealth.co.uk. We may need to verify your identity before processing your request.

11. How to Complain

If you are concerned about how we are handling your personal data, please contact us first so we can resolve your concern:

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at www.ico.org.uk or by calling 0303 123 1113.