Maybe, and I've have no problem with allowing this to happen as appropriate.I see how it is a pain.
But there are lots of cases where someone might not want to share details of their medical treatment with their own immediate family.
How come those GDPR rules about adult medical records don't seem to apply when taking out and paying for a policy with VHI ?You can submit receipt claims for all adults by post, as long as each adult signs the claim form. You just can't submit online (there is no option for the adults to provide their consent online).
Although it might help organise your paperwork, unfortunately this does not superceed the GDPR rules regarding an adults medical records.
As inpatient claims are submitted by hospitals and facilities only the patient (if over 18) will get the claim statement.
That's just my point - there is no facility to tell the insurer that I have consent to do the administration of claims online. They don't allow it.Retirement Plan there is no medical required to take out a plan.
Your 18 plus year old owns their own health data so it is not the business of any health insurer to tell you anything about their health without their say so. If they are in agreement, they can contact the insurer to provide their consent to discuss past claims with you. Consent cannot be provided for future claims.
Maybe I'm missing your point here but paying for a policy does not involve any discussion or documents about someone else's claims.
I understand that you find it frustrating but thats the law and unless you ask for the Data Protection Office to amend their GDPR rules, no amount of complaining to the insurer will change it
Laya allows us to submit receipts on behalf of our 2 adult children. (22 and 20)Your adults over 18 can give you their log in details if they so wish and you can work away to your hearts content with their personal information but unless your 18 plus year old tells the insurer, how are they to know that they are happy with their health information being given out to others ? Take your word for it?
No problem giving you the information following a postal claim if the 18 plus year old has signed the form as that signature is for that very purpose. I agree that not being able to do it online is a nuisance but show me any other company that has cracked that problem.
I think your complaint has now moved to the inability to do this online rather than arguing the GDPR rules with the insurer.
I don't agree that its a silly rule, its only silly if you feel entitled to information that is not yours.
If I login with details of my adult child, I am impersonating them. I'm pretending to VHI that I AM that person. Why would this be a better outcome for you, than VHI actually updating their processes to reflect how families work?Your adults over 18 can give you their log in details if they so wish and you can work away to your hearts content with their personal information but unless your 18 plus year old tells the insurer, how are they to know that they are happy with their health information being given out to others ? Take your word for it?
No problem giving you the information following a postal claim if the 18 plus year old has signed the form as that signature is for that very purpose. I agree that not being able to do it online is a nuisance but show me any other company that has cracked that problem.
I think your complaint has now moved to the inability to do this online rather than arguing the GDPR rules with the insurer.
I don't agree that its a silly rule, its only silly if you feel entitled to information that is not yours.
Again, Laya are NOT allowing access to any information. The policy holder already HAS the information. Laya are just allowing the same person that they were happy to take money off to manage the claims process for the family.I am unaware if Laya have a pre-claims process however if not, they are in clear breach of GDPR rules allowing you your adult children's medical information
'The special category personal data is about sensitive information. It relates to the patient’s physical, mental or sexual health. Other sensitive data include religion, membership of a trade union, or past legal history. The processing of special category data will be prohibited unless the data subject has given his/her explicit consent.'
Further up the thread another poster said that they didn't have any issue either with Irish Life Health care.I am unaware if Laya have a pre-claims process however if not, they are in clear breach of GDPR rules allowing you your adult children's medical information
'The special category personal data is about sensitive information. It relates to the patient’s physical, mental or sexual health. Other sensitive data include religion, membership of a trade union, or past legal history. The processing of special category data will be prohibited unless the data subject has given his/her explicit consent.'
With respect, you seem to be able to project yourself into the roles of VHI and the family member when it comes to how this thing works, so its not unreasonable to suggest that you project yourself into the role of VHI in assessing your proposal that I impersonate family members by getting their login details.RetirementPlan, to be clear no 'outcome is better for' me. I am not VHI or Laya or Irish Life, I am explaining the Data Protection Office rule.
Your proposal would require both them and me to breach the VHI terms of use, which say; (my bolding for emphasis)If you are able to log in to their accounts, they have made the decision to allow you to do so by providing passwords. If you stole their log in details, that's on you.
Policyholders act for all members included on the policy with regard to the administration of the policy (e.g. cover changes, payments/refunds, renewals, and addition/deletion of dependants. Use for any other purpose is prohibited.
This is not a workable proposal.Members must keep their login details secret and must not record them in a form or manner which would be intelligible or otherwise accessible to an unauthorised person.
Please stop spinning this as some kind of patriarchal coercive controlling issue. The issue here is that a young adult goes to the GP, I pay for their GP visit, they give me the receipt from the GP. It is that simple. I'm currently unable to claim for this receipt from VHI.'How families work'. My guess is that my family works very different to yours. I do not assume the right to any other adults medical visits. What about separation/divorce families, where there are court orders in place that a policy must be maintained? What way does that family work?
It makes no difference to me what data you want or have, my post was attempting to explain that if you, your adult child or your spouse attends a Consultant, a Fertility specialist, an Obstetrician, a STI visit, a GP, a Counsellor, a Psychiatrist, a Mental Health admission, a miscarriage trauma, a gambling/substance abuse addiction that they do not want you to know about you feel that because you pay their insurance you should be entitled to know?
Where does the access to the information stop?
Or is it a free for all? For everything, inpatient and outpatient?
These are adults we are discussing, I would whole heartedly agree for minors but an adult is an adult regardless if they are your children or not.
They ARE happy to discuss these visits with me. I can organise my paperwork however I like, but I can't make an online claim for the receipts that the family members have handed to me.If they are happy to discuss all visits with you, you should have no problem organising your paperwork with the appropriate consent provided to the insurer. If not, thankfully they have their own rights due to GDPR.
There is nothing in my proposal that reduces the rights of other family members to privacy of their medical information. If they want to take on the admin workload, I'll be only too delighted. But they generally don't.I feel I'll have to agree to disagree with you on this topic but your adult children and spouse should hold the same right over their medical information as you enjoy as the payer.
I hope your insurer can come up with a solution to help you manage it online.
Dude you really didn't have to respond in the manner you have but I'm glad you have. I tried earlier today but gave up .With respect, you seem to be able to project yourself into the roles of VHI and the family member when it comes to how this thing works, so its not unreasonable to suggest that you project yourself into the role of VHI in assessing your proposal that I impersonate family members by getting their login details.
How it is a better outcome to get them to give me their login details rather than them just giving me the receipt for their GP visit and asking me to handle the claim?
There is no 'Data Protection Office' rule, by the way. In Ireland, we have the Office of the Data Protection Commissioner. There is nothing in the GDPR (which comes from Europe) that stops me from making a claim on a receipt that a family member has handed to me.
Your proposal would require both them and me to breach the VHI terms of use, which say; (my bolding for emphasis)
This is not a workable proposal.
In general, sharing passwords is a very poor security practice. VHI should absolutely NOT be building systems that require people to share passwords and impersonate each other.
Please stop spinning this as some kind of patriarchal coercive controlling issue. The issue here is that a young adult goes to the GP, I pay for their GP visit, they give me the receipt from the GP. It is that simple. I'm currently unable to claim for this receipt from VHI.
There is nothing in my proposal that would stop the adult from looking after their own claims. I'm not trying to prevent anyone from looking after their own claims. I'm looking at a GP receipt and a dentist receipt from young adults in the house in front of me, both transactions that I have paid for, and VHI are stopping me from making a claim on the policy that I also paid for.
Organisations like VHI are spending millions to put their services online. It is VERY MUCH to VHIs benefit to allow me to do my business online. Their over zealous interpretation of GDPR has created an unintended consequence of a barrier to online adoption of services. I can claim with a simple signature on a paper form, but not through their online system. I'm actually doing VHI a very big favour by nudging them on to ensure that their online system mirrors their paper system.
They ARE happy to discuss these visits with me. I can organise my paperwork however I like, but I can't make an online claim for the receipts that the family members have handed to me.
There is nothing in my proposal that reduces the rights of other family members to privacy of their medical information. If they want to take on the admin workload, I'll be only too delighted. But they generally don't.
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