Last Updated: October 11, 2025
PrivateMedicalInsurance.co.nz ("we", "us", "our") is committed to protecting your privacy and complying with the New Zealand Privacy Act 2020. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our health insurance comparison service.
Important Notice:
By using our service, you acknowledge and agree that we share your personal information with third-party insurance brokers, insurance providers, and other partners to provide you with health insurance quotes and services. We reserve the right to add, remove, or change our partners at any time without prior notice. Information displayed on our website may not reflect current offerings at the time of reading.
1. Information We Collect
1.1 Personal Information You Provide
When you use our comparison service, we collect:
- Contact Information: Name, email address, phone number, postal address
- Demographic Information: Age, date of birth, gender, location/region
- Health Information: Current health status, pre-existing medical conditions, family medical history (only as voluntarily disclosed)
- Coverage Preferences: Desired coverage type, budget range, insurance priorities, dependents information
- Financial Information: Budget preferences, payment method details (when purchasing)
- Marketing Preferences: Communication preferences, consent for marketing
1.2 Information Collected Automatically
- Device Information: IP address, browser type, operating system, device identifiers
- Usage Data: Pages visited, time spent on site, click patterns, referral sources
- Cookies and Tracking: We use cookies, web beacons, and similar technologies (see Section 8)
- Location Data: Approximate geographic location based on IP address
2. How We Use Your Information
We use your personal information for the following purposes:
- Quote Generation: To provide personalized health insurance quotes from multiple providers
- Third-Party Lead Sharing: To share your information with insurance brokers, insurance companies, and other partners who can provide you with quotes and services
- Service Delivery: To facilitate communication between you and insurance providers/brokers
- Customer Support: To respond to your inquiries and provide assistance
- Marketing Communications: To send you information about insurance products, special offers, and updates (with your consent)
- Service Improvement: To analyze usage patterns and improve our website and services
- Legal Compliance: To comply with legal obligations and prevent fraud
- Business Operations: For internal business purposes, record-keeping, and analytics
3. Who We Share Your Information With
In accordance with Privacy Principle 11 (Limits on disclosure), we only disclose your personal information in the following circumstances:
3.1 Licensed Insurance Providers and Brokers
We share your information with licensed insurance providers and brokers to deliver quotes and offers relevant to your needs. We may share your information with one or more of these partners depending on your location, insurance needs, and partner availability:
- Evolve Group Limited (FSP711891) — Licensed insurance broker registered on the Financial Service Providers Register (FSP).View FSP Register
- Southern Cross Health Insurance — New Zealand's largest health insurer
- nib Health Insurance — Licensed health insurance provider
- Accuro Health Insurance — Licensed health insurance provider
- AIA Health Insurance — Licensed health and life insurance provider
- Cigna Health Insurance — Licensed international health insurance provider
- UniMed Health Insurance — Licensed health insurance provider
- Other licensed providers registered on the Financial Service Providers Register (FSP)
3.2 Authorized Service Providers
We share your information with authorized service providers who help operate our platform under strict confidentiality agreements:
- Hosting providers: Secure cloud infrastructure and data storage
- Form handling: Netlify Forms for secure form submission processing
- Analytics: Google Analytics for website usage analysis (anonymized where possible)
- Email service providers: For sending quotes and communications
- CRM systems: For managing customer relationships and inquiries
3.3 Regulators or Legal Authorities
We may disclose your information when required by law, court order, or to prevent fraud, including to:
- Financial Markets Authority (FMA) — Financial services regulator
- Privacy Commissioner — Privacy rights enforcement
- Law enforcement agencies — When legally required
- Courts or tribunals — In response to legal proceedings
3.4 Related Entities
We may share your information within our corporate group, subject to the same privacy protections outlined in this policy.
Partner Changes:
We reserve the right to add, remove, or change our partners at any time without prior notice. Our current list of partners may not be exhaustive, and we may share your information with new partners as they are added to our network.
3.2 Other Disclosures
We may also disclose your information when:
- Required by law or legal process
- To protect our rights, property, or safety
- To prevent fraud or security issues
- In connection with a business transfer, merger, or acquisition
- With your explicit consent
4. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required by law. Typically:
- Active Leads: Retained for up to 7 years for insurance compliance purposes
- Marketing Data: Retained until you opt-out or withdraw consent
- Technical Data: Retained for up to 2 years for analytics and improvement
- Legal Requirements: Retained as required by New Zealand law
5. Your Privacy Rights
Under the New Zealand Privacy Act 2020, you have the right to:
- Access: Request access to your personal information we hold
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal requirements)
- Opt-Out: Unsubscribe from marketing communications at any time
- Complaint: Lodge a complaint with the New Zealand Privacy Commissioner
- Withdraw Consent: Withdraw consent for data processing where consent was the basis
To exercise these rights, contact us at privacy@privatemedicalinsurance.co.nz
6. Data Security
We implement appropriate technical and organizational security measures to protect your personal information, including:
- SSL/TLS encryption for data transmission
- Secure servers and encrypted data storage
- Access controls and authentication procedures
- Regular security audits and updates
- Employee training on data protection
However, no method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
7. International Data Transfers
Your information may be transferred to and processed in countries outside New Zealand where our service providers are located. When we transfer data internationally, we ensure appropriate safeguards are in place to protect your information in accordance with New Zealand privacy law.
8. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Essential Cookies: Enable basic website functionality
- Analytics Cookies: Understand how visitors use our site (Google Analytics)
- Marketing Cookies: Deliver relevant advertising and track campaign effectiveness
- Preference Cookies: Remember your settings and preferences
You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.
9. Children's Privacy
Our service is not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.
11. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our service after changes constitutes acceptance of the updated policy.
12. Disclaimer Regarding Current Information
The information displayed on our website, including partner lists, insurance product details, and pricing information, may not be current at the time of reading. We make reasonable efforts to keep information up-to-date, but insurance products, terms, and availability are subject to change without notice. Always verify current information directly with insurance providers or brokers.
13. Contact Information
For questions, concerns, or requests regarding this Privacy Policy or your personal information, please contact:
If you are not satisfied with our response to your privacy concerns, you may contact the New Zealand Privacy Commissioner at www.privacy.org.nz