Privacy Policy

Privacy Policy
Effective Date: [27 Feb.2024] Last Updated: [25 July 2025]

At United Healthcare International Ltd (UHI HMO), we are committed to protecting your personal data and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services, visit our website
(www.unitedhealthcare-ng.com), or interact with us through our mobile app and other platforms.

1 . Who We Are
United Healthcare International Ltd (UHI
HMO) is a Health Maintenance
Organization licensed by the National
Health Insurance Authority (NHIA) in Nigeria. We provide health insurance coverage and wellness services to individuals, families, and corporate clients.

2. Information Collected by United Healthcare International [UHI]
We may collect the following categories of personal data:
Personal Identification Information: , Name, date of birth, gender, phone number,Means of identification e.g NIN, email address, and residential address.
Health-Related Information: Medical history, treatment records, health claims, and information received from healthcare providers.
Payment Information: Bank details, billing addresses, and transaction history.
Technical Data: Device information,
browser type, IP address, mobile OS, and app usage data.
Communication Data: Biometric, Emails, customer service inquiries, call recordings, or chat messages with our support teams.

3. How United Healthcare International Use Your data
We may use your data to:
Process health insurance enrollment and manage your plan.
Facilitate access to medical care through our provider network.
Pay claims and verify eligibility with healthcare facilities.
Send updates, reminders, and health related communications.
Improve our services, app functionality, and customer experience.
Comply with legal, regulatory, and
contractual obligations.
For archiving purposes in the public interest, scientific, statistical or historical research purposes

4. Legal Basis for Processing
We process your personal data on the following bases:
Consent (e.g., when you voluntarily submit your information).
Contractual necessity (e.g., to administer your health plan).
Legal obligation (e.g., as required by NHIA and other regulatory authorities).
Legitimate interests (e.g., service improvement, fraud detection).

5. How UHI may Share your data
Your personal information may be shared with:
Healthcare providers and hospitals for treatment and claims verification.
Third-party service providers (e.g., IT support, SMS/WhatsApp gateway, analytics).
Regulators and legal authorities when required by law.
Internal departments within UHI for customer service and support.
We do not sell your personal data to third parties.

6. Data Security
We implement appropriate technical and organizational security measures to protect your personal data against unauthorized access, loss, misuse, or disclosure. These include:
Data encryption
Secure servers and firewalls
Access controls and staff confidentiality agreements

7. Data Retention
We retain your data only for as long as necessary for the purposes stated in this policy or as required by law (e.g., NHIA data retention rules).

8. Your Rights
Subject to Nigerian data protection laws (NDPR), you have the right to:
Access and obtain a copy of your personal data.
Request correction or deletion of inaccurate data.
Withdraw consent (where processing is based on consent).
Object to processing or request data portability.
File a complaint with the Nigeria Data Protection Commission (NDPC).
To exercise any of these rights, contact us via the details below.

9. Children’s Privacy
Our services are not directed at children under 18 without parental consent. We do not knowingly collect data from minors without appropriate authorization.
10. Cookies and Mobile Tracking
We may use cookies, mobile analytics tools, and similar technologies to improve user experience on our digital platforms. You can modify your device settings to restrict these technologies.

1 1 . Changes to this Policy
We may update this Privacy Policy periodically to reflect changes in law, technology, or our business practices. We encourage you to review this page regularly.

12. Marketing purposes
Data subjects have the right to control the use of their personal information for marketing purposes. At United Healthcare International, we prioritize obtaining client consent before utilizing personal data for marketing in cases not explicitly covered by our policy.
We are committed to delivering insurance marketing communications that align with our data subjects/ needs and behaviors. Clients can unsubscribe from our mailing lists at any time by following the instructions provided in all marketing emails or by contacting United Healthcare International through the details outlined in this policy.
Occasionally, United Healthcare
International will run targeted marketing campaigns through social media and digital advertising based on general demographics and interests. Importantly, individual personal information is not utilized in these campaigns. If a data subject prefers not to see these campaigns, they can easily adjust their preference settings within the relevant
social media platforms or modify their cookie browser settings.
United International may retain any information provided on our website and mobile app for a reasonable period, with the client’s prior approval. This data may also be used to inquire about any contracts that are not finalized.

13. Audit and Enforcement of Data Protection Policy
The Internal Audit Department of the Company will rigorously conduct audits of our privacy and data protection practices, ensuring full alignment with current data protection regulations. The Data Protection Officer will take the lead in monitoring compliance, guaranteeing that we uphold the highest standards in data protection

14. Contact Us
If you have questions, concerns, or wish to exercise your rights under this policy, contact:
United Healthcare International Ltd (HMO)
Website: www.unitedhealthcare-ng.com
Email: [info@unitedhealthcare-ng.com] Phone: [08036934220, 081 60000061, 07034051300] Address: [7, Jaba close, off Dunukofia street, opp. FCDA Ministers/ gate, Area 1 1, Garki, Abuja.]