This policy explains the information practices associated with NHIB's website and online services. A carrier, agency, licensed professional, or application platform may provide a separate privacy notice for its own activities.
Scope
This Privacy Policy describes how National Healthcare Insurance Benefits ("NHIB," "we," "us," or "our") may collect, use, disclose, and retain information when you visit this website, use a location guide or interactive tool, request information, or otherwise communicate with us.
It does not apply to an insurer, licensed agency, licensed professional, employer, regulator, or other third party that controls its own information practices. Review any separate notice presented before you provide information to those parties.
Information we may collect
The information collected depends on which features you use and what you choose to provide.
| Category | Examples | Typical source |
|---|---|---|
| Identifiers and contact details | Name, email address, telephone number, city, and state | You or a person acting with your permission |
| Professional and coverage preferences | Healthcare role, desired benefit amount, policy interests, and timing | You and interactive tools |
| Eligibility-related information | Age range and answers needed to route or personalize a request | You |
| Device and usage information | IP address, browser type, device type, pages viewed, referring pages, and approximate location derived from IP | Browsers, servers, cookies, security, and analytics tools |
| Communications | Questions, feedback, request history, and call or message records where permitted | You and communications providers |
| Referral and transaction context | Which guide, resource, campaign, or licensed service led to a request | Our website and service partners |
Do not submit highly sensitive information through general website fields. Please do not send Social Security numbers, medical records, payment-card details, financial account credentials, genetic data, or government identification unless a secure, authorized application process specifically requests it and provides a separate notice.
How information may be used
NHIB may use information to:
- provide, maintain, personalize, and improve the Services;
- respond to requests, questions, and communications;
- show illustrative estimates and relevant location or educational content;
- connect you with a licensed professional, agency, carrier, or service when you request that connection;
- operate, troubleshoot, analyze, secure, and prevent misuse of the Services;
- measure outreach and understand how the Services are used;
- maintain records and enforce agreements;
- comply with legal, regulatory, licensing, and reporting obligations; and
- carry out another purpose disclosed when information is collected or with your consent.
How information may be disclosed
Depending on your request and applicable law, information may be disclosed to:
- service providers supporting hosting, security, analytics, communications, customer support, and website operations;
- licensed professionals, agencies, carriers, and application providers when you ask to be contacted, request options, or begin an application;
- professional advisers and regulators for compliance, licensing, audit, insurance, accounting, or legal purposes;
- law enforcement or other authorities when reasonably necessary to comply with law or protect rights, safety, and security;
- transaction participants in connection with a merger, financing, reorganization, sale, or transfer, subject to appropriate protections; and
- other parties at your direction, with your consent, or as disclosed when information is collected.
NHIB does not authorize third parties to use information received as service providers for purposes outside the services they provide to NHIB, except as permitted by law. A party acting as an independent controller is governed by its own privacy notice.
Insurance requests and applications
Illustrative estimate tools on this location-guide site operate without submitting an insurance application. If you choose to request contact, compare options, or apply, a licensed professional, agency, carrier, or secure application provider may request additional information.
That party may perform identity, eligibility, underwriting, fraud-prevention, or regulatory activities under its own terms and privacy notices. NHIB is not an insurance carrier and does not make underwriting or coverage decisions.
Data retention
Information is retained for as long as reasonably necessary for the purposes described in this policy, including to provide requested services, maintain business and compliance records, resolve disputes, enforce agreements, prevent fraud, and satisfy legal obligations.
Retention periods vary based on the information, context, applicable law, and whether a relationship remains active. Information may be deleted, deidentified, or aggregated when it is no longer reasonably needed.
Data security
NHIB uses reasonable administrative, technical, and physical safeguards designed for the nature of the information handled. However, no website, transmission, or storage system is completely secure, and NHIB cannot guarantee absolute security.
Use care when sending information online. If you believe information submitted through the Services may be at risk, contact NHIB through the support channel on the main website.
Your choices and privacy rights
Depending on where you live and subject to legal exceptions, you may be able to request access, correction, deletion, or a copy of personal information; withdraw consent; object to or restrict certain processing; or opt out of certain sale, sharing, targeted advertising, or profiling activities.
You may also:
- use an unsubscribe instruction in a marketing email;
- ask not to receive marketing calls or texts, while recognizing that operational communications may still be necessary;
- manage cookies through available controls and browser settings; and
- use an authorized agent where applicable law permits.
NHIB may need to verify your identity and authority before completing a request. We will not discriminate against you for exercising a privacy right. Some requests may be denied or limited where an exception applies, and an appeal process will be provided where required.
U.S. state privacy rights
Residents of California and other states with comprehensive privacy laws may have additional rights. These can include rights to know or access information, delete it, correct it, obtain a portable copy, opt out of sale or sharing, opt out of targeted advertising or certain profiling, limit certain uses of sensitive information, and appeal a denied request.
These rights apply only when the relevant law covers NHIB and the requested information. NHIB will honor legally recognized browser-based opt-out preference signals where required. A request may be submitted through the privacy or support method made available on the main NHIB website.
Children's privacy
The Services are intended for adults seeking insurance-related information and are not directed to children under 13. NHIB does not knowingly collect personal information online from children under 13 through the Services. If you believe a child has provided personal information, contact NHIB so the situation can be reviewed and addressed.
Users must be at least 18 to submit a request for insurance-related contact or begin an application through a linked service.
Third-party services and links
The Services may link to carriers, licensed professionals, agencies, regulators, social platforms, or other websites. NHIB does not control their privacy or security practices. Review the privacy notice for each third-party service you use.
Policy changes
This policy may be updated to reflect changes in the Services, business practices, or law. The revised policy will show a new "Last updated" date. Material changes will be communicated as required by applicable law.
Contact
Questions or privacy requests may be submitted through the contact, support, or privacy request method made available on the main NHIB website. Please describe your request and the state where you live. Do not include highly sensitive information in an initial general message.
Visit the main NHIB website