Terms and Conditions

International Health Insurance


Personal Data Protection

In accordance with the Regulations (EU) 2016/679 of 27 April 2016 on the protection of individuals concerning the processing of personal data and on the free movement of such data (known as General Data Protection Regulation) and for the purpose of the management of the insurance contract, the personal data of the Member may be transferred to the Insurer and to its delegates, service providers, subcontractors or reinsurers. Members are informed that processes concerning them, and their Dependants if any, are implemented for the signing, management and execution of this insurance contract along its commercial management. Personal data may also be used for control operations, fight against fraud and money laundering and the financing of terrorism, search for beneficiaries of unpaid Life contracts, the implementation of legal and regulatory provisions, with respect of the enforcement of this contract.

Collected Data are indispensable for the implementation of these processing and are intended for the relevant departments of the Insurer and its outsourced Administrators as well as, where applicable, its subcontractors, providers or partners. The Insurer is liable to ensure that this data is accurate, complete and up to date when necessary. The data collected will be kept for the entire duration of the Contract which may be increased by legal prescriptions or in order to be compliant with the durations provided for by the CNIL Commission Nationale de l’Informatique et des Libertés (National Commission for Data Protection). These personal data may be transferred to service providers or subcontractors which are established in countries outside of the European Union. These transfers may only involve countries recognized by the European Commission for having a satisfying level of protection of personal data, and recipients of the data must justify appropriate guarantees.

Members and/or Dependants have a right of access, rectification or deletion, limitation of the processing of their data, portability, opposition to processing, along with the right to provide instructions on the outcome of the data after their death. They can exercise their rights towards Allianz Partners (AWP Health & Life SA). 

Address: Eurosquare 2, 7 rue Dora Maar, 93400 Saint Ouen, France

When exercising their rights, an identity document may be requested. In the event of a persistent conflict, they have the right to appeal to the CNIL on www.cnil.fr or at 3, place de Fontenoy – TSA 80715 – 75334 Paris Cedex 7, France.

Data related to medical information on the Members may be exploited for the conclusion, the management and the execution of the contract, as their processing is necessary in order to fulfil the obligations and to exercise the rights of the Insurer or the rights of the Members to social protection. These data are exclusively intended for the medical service of the outsourced Administrator. The exercise of rights is carried out by email, along with an identity document, to the medical advisor at health.service@insurednomads.com.

Information, Complaint, & Mediation

When Members or any Dependant wish to obtain details, they should contact ExpaTPA, 142 rue de Rivoli, 75001 Paris, France at Contact@expaTPA.fr for any request or complaint related to:

  • insurance enrollment conditions
  • premium payments
  • claims

The complaint will be acknowledged within 10 days of its receipt, unless the matter is answered within this period. In any case and in accordance with the applicable law, a response will be sent before the expiry of a period of 2 months from the date of receipt of the complaint.

If the complaint has not been settled after the response, the Member or the Dependants may contact customer service – along with copies of the written responses made to them – at Insured Nomads Member Services Team at members@insurednomads.com.

In the event of disagreement with a decision by the Insurer and having exhausted all means of appeal offered by the Insurer, within a maximum of one year from the date of the written complaint, the Member or his/her beneficiaries may contact the Insurance ombudsman at the following address: La Médiation de l’Assurance – TSA 50110 – 75441 Paris Cedex 09, France.

The Ombudsman’s opinion is not binding, and the parties can still proceed in the competent courts. The Ombudsman is not empowered to adjudicate on the conditions for admission to insurance.