Privacy Policy

1. Introduction

TeleMedhin Insurance Share Company (“TeleMedhin,” “we,” “us,” or “our”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, mobile application, or services.

By using TeleMedhin services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, do not use our services.

2. Information We Collect

2.1 Personal Information

We collect personal information that you voluntarily provide when enrolling or using our services:

• Full name, date of birth, and gender
• Ethiopian National ID or Passport number
• Contact information (phone number, email address, physical address)
• Photograph for insurance card
• Employment information (for group insurance)
• Dependent information (names, dates of birth, relationships)

2.2 Health Information

We collect health-related information necessary to process insurance applications and claims:

• Medical history and pre-existing conditions
• Healthcare provider information
• Medical receipts, reports, and treatment records
• Prescription information
• Claim documentation

2.3 Financial Information

We collect financial information to process premium payments and claim reimbursements:

• Bank account details
• Mobile wallet information (Telebirr, CBE Birr, etc.)
• Payment transaction history
• Billing information

2.4 Usage Information

We automatically collect certain information about your device and usage:

• IP address and device identifiers
• Browser type and version
• Pages visited and time spent on our website
• Referring website addresses
• Mobile app usage data

3. How We Use Your Information

We use collected information for the following purposes:

• Processing insurance applications and determining eligibility
• Issuing insurance policies and cards
• Processing premium payments
• Evaluating and processing insurance claims
• Communicating with you about your policy, claims, and account
• Sending important notices, updates, and reminders
• Detecting and preventing fraud
• Improving our services and user experience
• Complying with legal and regulatory requirements
• Conducting research and analytics

4. Information Sharing and Disclosure

We may share your information with third parties in the following circumstances:

4.1 Healthcare Providers

We share necessary information with network healthcare providers to verify coverage and facilitate treatment.

4.2 Service Providers

We engage third-party companies to perform services on our behalf, such as payment processing, data analytics, IT services, and customer support. These providers have access to your information only as needed to perform their functions.

4.3 Legal Requirements

We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to:

• Comply with legal processes
• Enforce our Terms of Service
• Protect our rights, property, or safety
• Protect the rights, property, or safety of our users or the public

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption of data in transit and at rest
• Secure server infrastructure and firewalls
• Access controls and authentication measures
• Regular security audits and vulnerability assessments
• Employee training on data protection
• Restricted access to personal information on a need-to-know basis

However, no method of transmission or storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and maintain your insurance policy
• Comply with legal, regulatory, and contractual obligations
• Resolve disputes and enforce our agreements
• Maintain business records for a minimum of 7 years as required by Ethiopian insurance regulations

7. Your Privacy Rights

You have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Objection: Object to certain processing of your information
• Data Portability: Request transfer of your information in a structured, machine-readable format

To exercise these rights, contact us at privacy@telemedhin.com. We will respond to your request within 30 days.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience:

• Essential Cookies: Necessary for website functionality and security
• Analytics Cookies: Help us understand how visitors use our website
• Functional Cookies: Remember your preferences and settings

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us to request deletion.

10. International Data Transfers

Your information is primarily stored and processed in Ethiopia. If we transfer information outside Ethiopia, we ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable laws.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and sending notice to your email address. The “Last Updated” date at the top of this policy indicates when it was last revised.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact our Data Protection Officer: