Customers

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

To facilitate automated data exchange between AXA and federal and cantonal motor vehicle inspection offices, AXA is affiliated with the electronic clearing office (CLS), which collates the electronic certificates of insurance (data on vehicles and vehicle keepers) for administration and archiving purposes and forwards them to the motor vehicle information system (MOFIS) of the Federal Roads Office (FEDRO).

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

For the purpose of combating insurance fraud, vehicle data can be exchanged with the central database of affiliated insurance companies (CarClaims-Info) in the event of a claim.

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA-ARAG becomes aware of the following:

• During the quotation phase, the contract term, and the processing of your legal case, we collect and process your customer data, application, contract, and payment data, and data relating to your legal case(s). We need this data to examine and assess the risk, manage your contract, and process your legal cases correctly.
• Your data is saved and/or filed in electronic form and/or in physical dossiers. This data must be stored for at least ten years following termination of the contract; data on legal cases must be stored for at least ten years following settlement of your legal case. We store the personal data received in connection with declined quotations or applications not accepted for five years from the date of issue, and use this data to improve our products and offerings and to provide you with additional tailored product recommendations. We delete the data on expiry of the relevant retention periods. We undertake to treat the information received as confidential.
• We may obtain and process the data required to manage the contract and process any legal cases, and we may create customer profiles. If necessary, data is exchanged with involved offices and parties (e.g. other participating insurers, authorities, lawyers, and opposing parties). The data may also be sent outside of Switzerland for these purposes.
• If necessary to process the legal case, we may obtain information from relevant parties and authorities, and we may inspect official documents. For the purpose of assessing your creditworthiness, we may also obtain credit rating information from external providers.
• Data may also be forwarded for the purpose of detecting or preventing insurance fraud.
• We may communicate with you and other involved parties or organizations and transmit data via electronic communication media (e.g. by email). If you would not like us to do so, you must expressly prohibit us from communicating via electronic media. We accept no responsibility if unauthorized parties receive, read, forward, copy, use, or manipulate transmitted information or data of any kind.
• To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to master data, basic contract data, claims summaries, and customer profiles. This data is also used for marketing purposes (e.g. advertisements). If you prefer not to receive advertisements from us, you can notify us at 0800 809 809 (AXA 24-hour helpline). Mutual access to data relating to legal cases and claims is excluded.

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

The following applies in respect of the legal protection insurance module:

• Claims are reported directly to AXA-ARAG (see General Insurance Conditions of the legal protection insurance module)
• All data on claims is treated as confidential and is not exchanged between AXA and AXA-ARAG. This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims.

AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA or AXA-ARAG becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim and legal case correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim or legal case is settled. AXA or AXA-ARAG undertakes to treat the information it receives as confidential.

AXA or AXA-ARAG is authorized to obtain and process the data necessary for managing the contract and handling the claim, or legal case correctly. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

To facilitate automated data exchange between AXA and federal and cantonal motor vehicle inspection offices, AXA is affiliated with the electronic clearing office (CLS), which collates the electronic certificates of insurance (data on vehicles and vehicle keepers) for administration and archiving purposes and forwards them to the motor vehicle information system (MOFIS) of the Federal Roads Office (FEDRO).

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA or AXA-ARAG.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

For the purpose of combating insurance fraud, vehicle data can be exchanged with the central database of affiliated insurance companies (CarClaims-Info) in the event of a claim.

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

AXA-ARAG does not provide the policyholder with information on insureds' legal cases if doing so could result in a disadvantage for the insured.

AXA and/or AXA-ARAG have the right to use electronic communication media such as email, fax, etc. to communicate with the insured and other parties, unless the insured expressly forbids this. AXA and/or AXA-ARAG accept no responsibility if unauthorized parties receive, read, forward, copy, use, or manipulate transmitted information or data of any kind.

While preparing and managing the contract, AXA becomes aware of the following:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling claims. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.

While preparing and managing the contract, AXA Life Ltd becomes aware of the following:

• Customer data (name, address, date of birth, gender, nationality, banking details, etc.), stored in electronic customer files;
• Application data (details on the insured risk, replies to application questions, etc.), filed in policy files and saved in electronic risk databases;
• Contract data (contract term, insured risks and benefits, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• Payment data (dates on which premiums are received, outstanding amounts, reminders, credit balances, etc.), stored in collection databases;
• Data on any benefits paid (benefits reports, investigation reports, invoices, etc.), stored in physical benefits files and electronic benefits application systems.

This data is required to assess the risk, manage the contract, collect the premiums on time, and administer the benefits correctly. The data must be stored for at least ten years following termination of the contract; data on benefits must be stored for at least ten years after settlement of the benefit case.

If necessary, the data can be passed on to involved third parties such as other participating insurers, pledgees, and external experts. Data may also be forwarded for the purpose of detecting or preventing insurance fraud.

The applicant hereby agrees that AXA Group companies may grant each other access to master data (name, address, bank account details, etc.) and basic contract information (excluding application and benefits data) in order to simplify administrative procedures and for marketing purposes. AXA Life Ltd undertakes to treat all information it obtains as confidential.

Notification of incapacity for work/occupational disability

To simplify administrative procedures, AXA Group companies – hereinafter referred to as "AXA" – are authorized to process the data.

Data processing

The undersigned hereby agrees that AXA can process all the necessary information in connection with

• the verification of entitlement to benefits;
• processing benefits;
• reviewing and asserting recourse claims;
• the person's reintegration into working life.

Obtaining information

AXA is authorized to obtain relevant information from third parties, such as insurers, public offices, doctors, therapists, clinics, care providers, employers, pension and health insurance funds, occupational benefits and vested benefits institutions, compensation funds, the federal disability insurer, and other persons and institutions that provide relevant information.

While preparing and executing the contract, AXA obtains the following data:

• Customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, amounts owed, reminders, credit balances, etc.), stored in debt collection databases;
• any claims information (notifications of loss, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems;
• invoice information (provided by the insured person or the service provider).

AXA processes information that is derived from the contract documents or contract processing and uses this especially for the contract processing and management, for determining and requesting the premiums, risk assessment, the processing of claims, statistical analyses and marketing. Information is also obtained that AXA becomes aware of through the voluntary services of the AXA service package (e. g. billing service for health insurance fund, support when changing health insurance fund). AXA may delegate the processing of data (e. g. to an outsourcing partner).

AXA may pass on the information necessary for processing contracts and claims to third parties in Switzerland and abroad involved in the processing, in particular to companies of the AXA Group, to supplementary or basic insurers, and to co-insurers and reinsurers. In order to check the benefits statements of foreign service providers, AXA may pass on information to their representatives. Insofar as is necessary for the processing of contracts and claims, information is passed on to other third parties, i. e. pledge holders, authorities, lawyers and external claims adjusters. Information may also be passed on to other liable third parties and their liability insurers for the purpose of enforcing recourse claims. Information may also be passed on for the purpose of uncovering or preventing insurance fraud.

The master data, basic contract data (without application and claims data) and the customer profiles generated may be processed by other companies in the AXA Group and their partner companies in Switzerland and the Principality of Liechtenstein for the distribution of tailored offers of their services or for the streamlining of administration. If you prefer not to receive such advertisements, you can notify us at 0800 809 809 (AXA 24-hour phone).

In connection with an insured event (claim), the medical staff providing treatment must be released from their non-disclosure obligations toward AXA. In case of a claim, AXA may also obtain relevant information from and inspect the files of authorities (the police or investigating authorities, motor vehicle inspection offices, or similar offices), other insurers and other third parties. If necessary, the insured person must authorize the offices mentioned above to disclose the corresponding information. Reference is made in this regard to Art. 39 of the Federal Act on Insurance Contracts (ICA).

The information is kept in physical and/or electronic form. The information must be stored for at least 10 years after the contract has ended; claims data must be stored for at least 10 years after the claim has been settled. Storage and processing continue only for as long as and insofar as the statutory and contractual provisions stipulate.

The insured person is entitled to demand the legally prescribed information concerning the processing of their data.

In the course of preparing and executing the contract, AXA becomes aware of the following data:

• customer information (name, address, date of birth, gender, nationality, bank account details, etc.), stored in electronic customer files;
• application information (on the risk to be insured, answers to the questions in the application, reports by experts, information on claims experience from the previous insurer, etc.), stored in the policy files;
• contract information (contract term, insured risks and indemnities, etc.), stored in contract administration systems such as physical policy files and electronic risk databases;
• payment information (dates of premium payments, outstanding amounts, reminders, credit balances, etc.), stored in debt collection databases;
• any available claims information (reports of claims, investigation reports, invoices, etc.), stored in physical claims files and electronic claims application systems.

This data is needed in order to review and assess the risk, manage the contract, collect the premiums on time, and handle the claim correctly when a claim is submitted. The data must be stored for at least ten years after the contract ends, and claims data must be stored for at least ten years after the claim has been settled. AXA undertakes to treat the information it receives as confidential.

AXA is authorized to obtain and process the data necessary for managing the contract and handling the claim. If necessary, the data may be exchanged with third parties involved in the contract, such as reinsurers and other participating insurers, pledge holders, authorities, attorneys, and external experts. Information may also be passed on to liable third parties and their liability insurers for the purpose of enforcing recourse claims. AXA is authorized to inform third parties (relevant authorities, for example) to whom insurance coverage has been confirmed if the insurance is suspended, amended, or terminated.

Information may also be shared for the purpose of investigating or preventing insurance fraud.

AXA is entitled to request the credit history of the customer from external providers in order to assess the creditworthiness of the customer.

In connection with an insured event, medical staff providing treatment must be released from their duty of confidentiality in relation to AXA.

In connection with a claim, AXA is also authorized to obtain any relevant information from, and inspect the files of other insurers, authorities (police or investigating authorities, department of motor vehicles offices, or similar offices), as well as from motor vehicle manufacturers and other third parties. Where necessary, the eligible claimant must authorize the offices mentioned above to disclose the relevant information. This is based on Art. 39 of the Federal Act on Insurance Contracts (ICA).

To simplify administrative procedures, AXA Group companies operating in Switzerland and the Principality of Liechtenstein grant each other access to the following data:

• master data;
• basic contract data;
• claims summary;
• customer profiles.

This data is also used for marketing purposes. Promotional material may be sent to the policyholder. Policyholders who do not wish to receive promotional material may opt out by calling 0800 809 809 (AXA 24-hour helpline).

Mutual access to health data is excluded.