Completely clear. 
Our privacy policy.

The purpose of this information is to give you an understanding of how we use your personal data. In order to provide our services, we process your personal data in accordance with the Swiss Data Protection Act (DPA) and – where applicable – the EU General Data Protection Regulation (GDPR).

This privacy policy applies to all Allianz Suisse websites, applications, services, contracts and tools, unless a separate privacy policy is specified in them, and regardless of how you access or use them (including access via mobile devices). If necessary, we may prepare separate privacy information for other activities.

Responsible for data processing for life insurance companies:

Allianz Suisse Life Insurance Company Ltd
P.O. Box
8010 Zurich

Responsible for data processing for non-life insurance companies:

Allianz Suisse Insurance Company Ltd
P.O. Box
8010 Zurich

If you have any questions regarding the processing of your personal data, please contact us at dummy data-privacy@allianz.ch or by post to Allianz Suisse, Data Protection Officer, C RD C, P.O. Box, 8010 Zurich.

We process personal data that you supply to us. If necessary for the provision of our services, we also process personal data that we have obtained from publicly accessible sources (e.g. public databases, Internet and the press) or from third parties in a lawful manner (e.g. general agencies, brokers, cooperation partners, previous insurers, lawyers, experts and credit rating agencies).

We may process various types of personal data, including:

• Personal details (e.g. name, address and other contact details, date of birth, language preferences, application and usage data, and creditworthiness data).
• Data on customer activities (e.g. contract data, claims, customer contacts, session data relating to visits to our website, apps for mobile devices and participation in competitions).
• Other data which we are legally obliged or entitled to collect and process and which we need for your authentication, identification or to check the data we collect (e.g. origin of assets).

If particularly sensitive personal data, such as health data or medical reports, is required to conclude or perform the contract, we will obtain your consent. 

Please note that without your personal data we are not able to provide our services or conclude or process a contract with you.

We use your personal data in accordance with legal requirements for the following purposes:

• As part of the conclusion and performance of the contract: 
  e.g. provision of advice and customer support, risk assessment, credit checks, contract management and amendment, collection, claims handling, surveys on customer satisfaction in connection with the contractual services.
• To safeguard our legitimate interests or those of third parties: 
  e.g. detection of fraudulent acts (see the details on the HIS below), evaluations of entire customer relationships / customer behaviour for insurance policy optimisation and for the further development of products/services/processes, advertising (incl. profiling) for our own products and for those of Allianz Suisse and its subsidiaries, newsletters, market and opinion surveys.
• With your consent: 
  in certain cases, we need your consent to process your data, e.g. when processing particularly sensitive personal data (health data when taking out an insurance policy, during its execution, during claims processing and for the clarification of breaches of the duty of disclosure).
• Due to legal obligations: 
  we are subject to various legal requirements (e.g. Anti-Money Laundering Act, insurance supervision law as well as supervisory regulations of FINMA, retention requirements).

In order to prevent and detect insurance fraud in the area of non-life insurance, we are connected to SVV Solution AG’s HIS Detection and Registration System. 

Individuals who have fulfilled a reason for registration specifically defined in the HIS Operating Regulations (e.g. insurance fraud) are entered in the HIS register by the companies participating in the HIS Detection and Registration System. To this end, personal data (including contact details, date of birth, reason for registration) is exchanged with the insurance companies that participate in HIS. Everyone who is registered is informed in writing of their registration.

In the course of processing a claim, we can make a query in HIS and check the data provided to find out whether any information on you is saved from a previous entry. If we receive any corresponding information, we can review our duty of indemnity in more depth. It is not permitted to refuse to pay indemnity solely on the basis of feedback from HIS.

HIS is operated in accordance with a set of Operating Regulations and in a way that complies with the statutory requirements for data protection. 

Detailed information on HIS as well as a list of reasons for registration and the personal data processed are provided at dummy www.svv.ch/his or dummy https://www.allianz.ch/en/information/his.html.

The subrogation platform is used for the efficient, digital processing of subrogation cases between Swiss personal, property and liability insurers. We process subrogation claims together with other insurance companies via the subrogation platform and act either as subrogation claimant or liability insurer.

Detailed information on the subrogation platform and the personal data processed can be found at dummy https://www.svv.ch/de/regressplattform.

We do not pass your personal data on to unauthorised third parties. Our employees only have access to the data they require for the purpose of fulfilling the contractual and legal obligations. To be able to provide our services, it is necessary in certain circumstances for us to pass on your data both within and outside the company. Depending on their purpose, these include, for example, Group companies of the Allianz Group, general agencies, brokers, agents, previous insurers, reinsurers, doctors, occupational pension funds, cooperation partners, and other companies in the fields of claims handling, IT services, logistics, printing services, debt collection and marketing. All third parties integrated into our business processes process your personal data on our behalf and only as we are permitted to do ourselves. They are carefully checked by us with regard to data protection and data security and are committed to secrecy and compliance with data protection regulations, taking into account the applicable statutory data protection provisions.

Furthermore, we must disclose your personal data to state authorities (e.g. authorities, social insurance companies and courts), insofar as we are legally obliged to do so.

Allianz uses profiling in connection with the premium calculator in order to calculate the premium. Using the data required for the insurance application, a risk profile is created which serves as a basis for determining your individual insurance premium.

In some cases, your data may undergo automated processing with the aim of evaluating certain personal factors, for example in the following situations: 

• Legal and regulatory requirements oblige us to take certain measures (e.g. in order to combat money laundering and the financing of terrorism). Data evaluations are performed in the course of these measures (including on taking out the insurance policy, during the term of the policy and in the event of payouts). 
• We carry out evaluations so that we can provide you with targeted information and advice on products. This enables us to tailor our communications and marketing (including market research and opinion polling) to your needs. 

We can make automated individual decisions in order to enter into and perform the contractual relationship. Automated decisions are made on the basis of the information you provide when taking out the insurance policy and concerning possible excluded risks, the amount of the insurance premium or the obligation to pay benefits, for example. Fully automated decisions are based on predefined rules for weighting the relevant information (e.g. during the application process, assessments are performed on the basis of actuarial criteria and calculations). Where we do take such automated individual decisions, you have the right to obtain human intervention on the part of the data controller, to express your own point of view and to contest the decision. This right does not apply if the decision was based on your explicit consent.

If required for the provision of our services and taking into account the intended purpose, your personal data will be transmitted to the recipients listed in section 5 within and outside Switzerland and the EU.

Data will only be transferred to countries outside the European Economic Area (including the EU) if those countries have appropriate data protection laws comparable to those in Switzerland and the EU – we rely on decisions on adequacy by the Federal Data Protection and Information Commissioner (FDPIC) in this respect – or an equivalent level of data protection is contractually agreed with the recipient. In the latter scenario, we conclude the EU standard contractual clauses introduced by the European Commission with the contract processor.

Data transfers to other Allianz Group companies outside of Switzerland or the EU are made on the basis of the «Allianz Privacy Standards» (Allianz BCR), which ensure adequate data protection and are binding on all Allianz Group companies. You can view the Allianz BCR and the list of all Allianz Group companies that comply with them at dummy www.allianz.com/en/.

If you transmit information to us via the Internet or other electronic channels, there is always the risk that it will be lost, damaged or manipulated. You therefore do so at your own risk.

Data is always transmitted via the Internet platforms provided in encrypted form. In the process, we ensure that the personal data we receive is safeguarded against unauthorised processing, loss and destruction by means of appropriate technical and organisational measures.

WhatsApp is a service provided by WhatsApp Inc., which in turn is part of Facebook Inc. Allianz Suisse uses this external application exclusively as a service and communication channel in sales. Allianz Suisse is in no way responsible for the content and data shared, uploaded and processed via WhatsApp outside of its own Allianz network. WhatsApp’s privacy policy applies here.

Please read the WhatsApp privacy policy (dummy https://www.whatsapp.com/legal/) carefully before using WhatsApp. By using WhatsApp, you automatically agree to this policy.

When you send us a message via WhatsApp, you also give us your telephone number. We will use the number only for WhatsApp communications with you and the chat content only to process your request.

In the case of questions of a personal or confidential nature (i.e. with content that concerns personal data), an e-mail address or telephone number should be provided for further correspondence, as we do not answer such questions via WhatsApp. 

Allianz will never ask you to share personal data with us via WhatsApp. If we need your data, a customer advisor will inform you of a way to exchange such information.

If you have any further questions about data protection at Allianz, you can contact the Allianz Suisse Data Protection Officer at any time. Contact options are provided above under «2. Controller and Data Protection Officer».

You have the right to obtain information about your personal data, to have it rectified or erased, to object to it or to restrict its processing and – where applicable – a right to data portability and a right to lodge complaints with the responsible data protection supervisory authority.

You also have the right to object to the processing of your personal data for direct marketing purposes. Where we process your personal data for the purpose of legitimate interests, you can also object to this if there are reasons against processing it that result from your special situation.

If you would like to exercise these rights, please contact our Data Protection Officer. Please note that the exercise of these rights may prevent us from entering into or performing the contract or from offering further services. We can – under certain circumstances and in accordance with the applicable law – refuse to provide such information, only comply with your request in part, or refuse to rectify or erase your personal data.