skip to main content

Online privacy and cookies

A cookie, also known as a browser cookie, is a text file containing small amounts of information which a server may download to your computer, mobile or tablet when you visit a website or use an app.

There are different types of cookies which are used to do different things, such as letting you navigate between different pages on a website efficiently, remembering preferences you have given and helping us to identify ways to improve your overall site experience. Others are used to provide you with advertising which is more tailored to your interests or to measure the number of site visits and the most popular pages users visit.

‘First party’ and ‘third party’ cookies

Each type of cookie can be set and controlled by the operator of the website which the user is browsing such as Bupa (known as a ‘first party cookie’) or a third party such as Facebook, for example to display advertisements and social sharing features, (known as a ‘third party cookie’).

Due to their core role of enhancing and enabling usability or site processes, disabling certain cookies may prevent you from using certain aspects of the Bupa website, such as generating a quote or placing an order.

Broadly speaking, there are two different types of browser cookie:

(1) Session cookies are stored in the computer's memory during a user's browsing session and are automatically deleted from the user's computer when the browser is closed or the session is deemed to have ended.

These cookies usually store a session ID that is not personally identifiable to users, allowing the user to move from page to page without having to log-in repeatedly. They are widely used by commercial websites; for example to keep track of items that a consumer has added to a shopping basket.

Session cookies do not collect any information from the user's computer and they expire at the end of the user's browser session. They can also become inaccessible after the session has been inactive for a specified length of time, usually 20 or 30 minutes.

(2) Persistent cookies are stored on the user's computer and are not deleted when the browser is closed. Persistent cookies can be used to retain user preferences for a particular website, allowing those preferences to be used in future browsing sessions.

Persistent cookies usually assign a unique ID to the user’s browser and they are usually configured to identify a user for a prolonged period of time, from days to months or even years.

How does Bupa use cookies?

Bupa only uses browser cookies to measure non-personal information, for example to learn about the behaviour of visitors to our website and how they respond to our marketing communications. The more we learn, the better we are able to provide relevant and interesting content and services.

How can you control the use of cookies?

Your use of the website constitutes your consent to this website setting cookies on your device.

If you do not want the website to set cookies on your device then you should not use the site and you should delete any Bupa cookies which have been placed on your device having visited the site. Alternatively, the ‘Help’ menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. However, because cookies allow you to take advantage of some of the website's essential features, we recommend you leave them turned on.

A guide to behavioural advertising and online privacy has been produced by the internet advertising industry which can be found at www.youronlinechoices.eu. The guide contains an explanation of the Internet Advertising Bureau's self-regulatory scheme to allow you greater control of the advertising you see.

Learn more about cookies

To find out more about cookies, search in Google or visit aboutcookies.org or allaboutcookies.org (which is run by the IBA Europe).

Cookies used by Bupa Global

To help you understand the different types of cookies we use and what they do, we have conducted a full audit of our sites and grouped cookies into four categories:

  • Strictly necessary cookies
  • Performance cookies
  • Functionality cookies
  • Targeting cookies

In the tables below you will find a list of the cookies used on our websites and a brief description of the information they gather.

We work with a host of third-party suppliers who place cookies on your device. Where the information is available to us, we have listed these cookies in the table. We rely on the information passed on to us by third-party suppliers. If you want to know more about cookies used by these third-party suppliers, please click on the links in the tables for individual cookie policies.

Strictly necessary cookies

'Strictly necessary' cookies let you move around the website and use essential features such as accessing secure areas of the website and identifying you as being logged in. These cookies don't gather any information about you that could be used for marketing or remembering where you've been on the internet. Accepting these cookies is a condition of using the website, however, as they are required for the proper operation of the website. If you prevent them, we cannot guarantee how it will perform.

Cookie source Name Purpose

More  information (external links)

Session ID

JSESSIONID
JSESSIONIDSSO

These cookies are used to ensure that our site knows that you are the same users as you move from one page to the next. Without these cookies our site would think you are a new user and would drop you back to the login screen.  
ASP ASP.NET_Sessionid
ASPSESSIONID
ASTDDQDA
The MS ASP.Net cookies are used to identity requests from the same user. They are needed to maintain the session state and if disabled this would stop the site working properly.  
Rewards site buparewardssite
ihibupareyvardssite
imibuparewardssite
These cookies store session id, IP address, browser version, OS versions and last activity date. If this cookie is disabled you will not be able to access content as the site will keep redirecting you to login.  
  isRussianWebUser
insurerAlltrustUser
insurerMCGIUser
insurerAOICUser
 
These cookies make sure you see the right services available to you depending on your geographical location.  

 

Performance cookies / analytics cookies

We use these cookies to collect information about how visitors use our website, including details of the site where the visitor has come from and the total number of times a visitor has been to our website. By using our website, you agree that we can place these types of cookies on your device. We use the information to improve our website and enhance the experience of its visitors. All information these cookies collect is aggregated and therefore anonymous.

Cookie source Name Purpose

More  information (external links)

Omniture analytics s_cc
s_lastvisit
s_nr
s_ppv
s_sq
s_vi
Dart
Omniture is the software we use for tracking what pages you are viewing on our websites. Omniture privacy policy
Google Analytics

_utma
_utmb
_utmc
_utmz

Another tool to monitor user behaviour on the websites, tracking pages visited and where they have come from. Google privacy policy
StatCamp tracking stl_test
stl_cahce
stl_visitor
stl_lastentry
These cookies store a unique ID which recognises when you re-visit a website.  
Get Clicky

_jsuid
first_pv_208298

These cookies store page addresses for each unique page visited, so we can understand how many visits there have been to each part of the website. Get Clicky - terms and conditions
MEC USER
rdrtn
ck1
rlas3
rtn1
uuid
u
These cookies are used to define demographic information about consumers. MEC privacy policy

 

Functionality cookies / application or site specific cookies

These cookies remember choices you make to improve your experience. By using the website, you agree that we can place these types of cookies on your device.

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

Cookie source Name Purpose

More  information (external links)

Language  global#lang This cookie stores the language you select. This is kept until you close the browser.  
Omniture analytics s_cc This is the software we use for tracking what pages you are viewing on our websites. Omniture privacy policy
UserZoom  UZ_TI_dc_value This is the software we use to run remote user testing and questionnaire surveys to track pages you are viewing on our websites and collect user feedback.
 
UserZoom privacy policy

 

Targeting cookies / advertising

 

From time to time, cookies are used to collect information about your browsing habits in order to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign.

The cookies are usually placed either directly by third party advertising networks. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation.

However, this policy does not cover the use of third party cookies. This will be covered by that third party’s privacy policies and practice and we would recommend that you take a look at these which in most cases will be found on that company’s website.

 

Cookie source Name Purpose

More  information (external links)

AddThis di
dt
loc
uid
uvc
psc
Allows users to share content on social media channels and tracks how many times a page has been shared. This cookie generates an anonymous reference to you and stores some of your preferences. AddThis privacy policy
Test & Target mbox This is a cookie to monitor site performance. It anonymously stores referrer details, IP address and search query information. Omniture privacy policy
MEC

id
OAX
NSC_fo1efm_qppm_iuuq
AA002
MUID
KRTBCOOKIE_57
PUBRETARGET
i
exchange_uid
uid
demdex
dpm
uuid
ts
mt_mop
bkp1
bku
X1ID
clid
ipinfo
acs
wfivefivec
mc
cd
au
dq
put_1986
2
d
bklc
bk
bkc
bko
bkst
bkw5
bkdc
_t
_i_an2
ibikukiuno
ibkukinet
rpb
rpx
put_2236
gglck
everest_session_v2
everest_g_v2
na_tc
na_an
uuid2
sess
anj

These are advertising cookies to help us optimise our advertising on other websites and which drive traffic to Bupa International. MEC privacy policy

 

This privacy policy sets out how Bupa Global uses and protects your personal information. For more information about Bupa Global click here: www.bupa-intl.com/legal-notices

The confidentiality of your information is of paramount concern to Bupa Global and we are committed to ensuring that your privacy is protected.

Should you decide to provide us with any personal information then you can be assured that your data will only be used in accordance with this privacy policy and our cookie policy.

We may amend this privacy policy from time to time and new versions will be posted on this website with the date it was last updated displayed at the top of this page.  You should check this website from time to time to see if there have been any changes.

By using this website and/or providing us with your personal information, you consent to the use of your personal information as described in this privacy policy.

When do we collect information about you?


We collect personal information about you which you provide to us, examples include when:
  • you visit our website (please see our cookie policy for more details);
  • you request a quote, online, by telephone or using an intermediary;
  • you apply for a policy;
  • you make a claim in relation to a policy;
  • you participate in any marketing activity;
  • you submit any query to us, for example, by email, telephone, blog replies, or social media.
We may also collect personal information about you from other persons, examples include when:
  • you are named in an application or a policy as a dependant under that policy - this may be an individual or a corporate policy;
  • processing an application or claim, we may do credit or fraud checks, obtain medical reports or obtain information from other Bupa group insurers you have previously had insurance with;
  • we are liaising with your family, employer, or treatment or other benefit providers, where you are a child, with your authority, or where you are unable to liaise with us.

What information do we collect?

We may add your information to a database in order that we can identify you as an individual, to manage our relationship with you as a Bupa customer or prospective customer.

Our customer database may record the following information about you:

  • name, address and contact details;
  • country of residence;
  • age and date of birth;
  • details of queries you have made;
  • information from customer surveys, competitions and marketing activities;
  • quotes you have requested;
  • policy applications made by you;
  • policy applications where you are included as a dependant;
  • your Bupa Global policies;
  • Bupa Global policies where you are included as a dependant, including corporate policies.

If you have had a Bupa Global policy (or been included as a dependant on a policy) or have made or been included in an application for a Bupa Global policy, our customer database may also record information relating to:

  • credit and anti-fraud checks;
  • payment details;
  • your medical history and medical reports;
  • your claims history;
  • complaints.

How we use your personal information

We may use your personal information, for example:

  • to respond to your queries, including providing quotes;
  • to consider and process policy applications;
  • to administer your policy and any claims you make;
  • to provide you with our services under your policy, including to provide medical advice, travel assistance services, and support with your medical treatment and other benefits;
  • to provide you with any updates on Bupa Global products and services;
  • for any competitions or other marketing activities;
  • to conduct and analyse customer surveys and other research and development, which may be with anonymised data;
  • to respond to requests where we have a legal or regulatory obligation to do so;
  • for internal record keeping and administration.

Sharing your personal information

We will not sell, distribute or lease your personal information to parties any other organisations to use for their own purposes unless we have your permission or are permitted by law to do so.

You agree that we may share your personal information as follows:

  • where you are covered by a Bupa Global policy, with your treatment and other benefit providers, including travel assistance services, with your authority, or as we reasonably consider to be appropriate in the circumstances;
  • where you not the policyholder under an individual policy, we will send all membership documents and confirmation of how we have dealt with a claim to the policyholder;
  • where you are insured under a corporate scheme, sharing information with your employer or an appointed intermediary, for product or service administration purposes;
  • with your intermediary, with your authority;
  • with Bupa group companies and administrators, to assist us in providing our services to you, including sales agents to follow up with prospective customers queries in relation to our products - sometimes these companies will be located outside your jurisdiction, in countries which do not provide the same protection as your own, in which case we ensure they are subject to contractual restrictions with regard to confidentiality and security obligations;
  • with Bupa group companies or one of our insurance partners, where you would like to move to one of their insurance products - sometimes these companies will be located outside your jurisdiction, in countries which do not provide the same protection as your own, in which case we ensure they are subject to contractual restrictions with regard to confidentiality and security obligations;
  • with credit reference agencies for the purpose of assessing your credit score;
  • with other insurers and third parties for the purpose of fraud detection;
  • with third parties where:
  • we (or any member(s) of the Bupa group) sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;
  • either we or any member of the Bupa group (or substantially all of our or its assets) are acquired by a third party, in which case personal data held by it about its customers or visitors to the website may be one of the transferred assets;
  • where we are under a duty to disclose or share your personal data in order to comply with any legal obligation;
  • in order to enforce or apply our website terms of use, our policy terms and conditions or other contracts, or to protect the rights, property, or safety of Bupa, our customers, or others.

How long will we keep data for?

We may hold personal information for as long as it is necessary to do so, having regard to the purposes for which it was collected and the purposes for which it is to be further processed.  

You should also note the comment in the ‘Controlling your personal information’ section about data deletion.

Security of your personal information

We are committed to try and ensure that your personal information is secure. In an effort to prevent unauthorised access or disclosure we have put in place physical, electronic and operational procedures intended to safeguard and secure the information we collect.

If the URL of a web page starts with HTTPS or you see a locked/green padlock symbol, your data should be encrypted when it is sent from your computer to our server. However, we cannot ensure the security of your data when it is being transmitted to our website or other digital sites from other pages and all transmission of personal information and other data is done at your own risk.

Controlling your personal information

If you have any data protection queries, please contact:

The Bupa Global Service Team
Tel: +44 (0)1273 718 379
Email: service.uk@bupaglobal.com
Address: Bupa Global, Victory House, Trafalgar Place, Brighton BN1 4FY, United Kingdom.  

You should also contact the Bupa Global Service team:

  • to request details of personal information that we hold about you (a small fee may be payable) - please let us know, which of your Bupa products and services you would like us to include in our reply, any relevant customer reference numbers as well as the details of the information you would like to see;
  • if you no longer wish to receive information about our products and services, or would like details of the personal information we hold about you;
  • if you believe that any information we are holding on you is incorrect or incomplete or you would like us to remove any information that we have stored on you.

You should not expect that all of your personally identifiable information will be completely removed from our databases in response to your requests that it be removed.  For example we may need to keep a record that you have closed an account with us.  In some circumstances we will retain information, such as to resolve disputes, troubleshoot problems, or as required by our regulators. Information may never be completely removed from our databases due to technical constraints and the fact that we back up our systems.