Privacy Policy

1. General information

This policy explains how we process personal data when you visit our websites, use our digital insurance and guidance tools, or request information, advice, an insurance assessment or an application. Depending on the activity, the legal basis is in particular Art. 6(1)(a), (b) or (f) GDPR. Health data is additionally subject to Art. 9 GDPR.

3. Your rights

Subject to the statutory requirements, you have rights of access (Art. 15), rectification (Art. 16), erasure (Art. 17), restriction (Art. 18), data portability (Art. 20) and objection (Art. 21 GDPR). You may withdraw consent at any time with future effect; this does not affect the lawfulness of prior processing.

You may lodge a complaint with a supervisory authority, in particular the State Commissioner for Data Protection and Freedom of Information Baden-Württemberg. To exercise your rights, email hallo@healthsurance.online.

5. Digital insurance and guidance tools

We provide three tools: the Immigration Tool, Expat Tool and German-language KV Tool. They provide non-binding initial guidance only and do not constitute individual insurance advice, a binding risk assessment or an insurer's decision. They do not make a solely automated decision producing legal or similarly significant effects within the meaning of Art. 22 GDPR.

Non-binding use without transmission

If you use a tool only for guidance and do not request a quotation, consultation, insurance assessment or application, your entries are not transmitted to HealthSurance and are not stored in our internal systems or Google Sheets. Transmission starts only when you actively select a follow-up request.

Immigration Tool

Depending on your selections, data may include name, date of birth, contact details, occupation, income, existing health insurance, nationality, German residence status and information required for initial guidance. If you initiate a further assessment or application, additional information may include address, height, weight, illnesses, conditions, treatments, dental status and other necessary health information.

Expat Tool and KV Tool

If you actively request a quotation or consultation, transmitted data may include name, date of birth, email address, optional telephone number, income, existing health insurance and other assessment information. These two tools do not transmit health data, nationality or residence-status information to HealthSurance.

6. Health data and consent

Health data is processed only where necessary for a further insurance assessment or application explicitly requested by you. Processing is generally based on your explicit consent under Art. 9(2)(a) GDPR, unless another legal basis applies. Consent is voluntary and may be withdrawn for the future at any time. Without required health data, the requested individual assessment may not be possible. Health data is not used for newsletters or general marketing. Using a guidance tool alone does not transmit health data to insurers.

8. Recipients and data sharing

Depending on the process, recipients may include hosting, IT, form, communication and appointment providers and, in connection with brokerage services, Fonds Finanz Maklerservice GmbH, VEMA Versicherungsmakler Genossenschaft eG, Kassensuche GmbH and blau direkt GmbH, Kaninchenborn 31, 23560 Lübeck, Germany.

Using a tool for guidance alone does not result in disclosure to insurance companies. Only if you request a specific quotation, insurance assessment or application may the necessary data be sent to suitable insurers. Suitability depends on your request; individual insurers are therefore not named in advance. Health data is disclosed only where the special legal requirements, in particular any required explicit consent, are met. We do not disclose personal data for third-party advertising.