Privacy Policy

We understand that in this age of rapid technological advances, customers may have concerns about the privacy of the Personal Information they provide.

We, Allianz Insurance Singapore Pte. Ltd.  (Company Registration Number : 201903913C), ("Allianz" or "we" or "us" or “our”), believe that Personal Information of an individual (“you” or “your”) should be handled with utmost respect and we are committed to protecting your privacy and confidentiality.

It is important to us that you have trust and confidence in us that your Personal Information will be treated with the utmost degree of privacy and protection. Our aim is to ensure that your Personal Information is handled in a responsible and reliable manner, and at all times in compliance with the Singapore Personal Data Protection Act 2012. This Privacy Policy serves to assist you in understanding what and how we collect, use, disclose and retain your Personal Information.

By submitting information to us, enrolling for any products or services offered by us, you give consent to us and our affiliates and associated companies (collectively, “Allianz Group”), as well as their respective representatives and/or agents ("Representatives") collecting, using, disclosing, sharing and transferring amongst themselves your Personal Data, as outlined in this Privacy Policy.

The term "Personal Information" refers to data, whether true or not, about an individual who can be identified (a) from that data; or (b) from that data and other information to which the organisation has or is likely to have access.

The Personal Information we collect or may collect include:

• name, telephone number, email address, residential address and correspondence address;
• identification card or passport number and data of birth;
• occupation, gender, marital status, education and income levels;
• in respect of specific products or services, such as when providing insurance, we may collect sensitive information about your health and medical history depending on the type of services provided;
• financial, banking and payment information, for example, when you purchase certain products or services through our websites, we may collect your credit or debit card details;
• personal opinions that you have disclosed to us, for example, through surveys or feedback responses;
• browsing history, patterns or other unique information (which includes information collected by cookies on our website, such as pages clicked and viewed by you, your location, the type of devices that you are using to access our websites, information that you may enter and submit to us via our websites, and the number of times you visit our websites);
• your internet protocol address and information associated with such address;
• records of your contact with us such as via the phone number of our customer service centre and, if you get in touch with us online using our online services or via our smartphone app, details such as your mobile phone location data, IP address and MAC address;
• products and services, you hold with us, as well as those you have been interested in and have held and the associated payment methods used;
• the usage of our products and services, any claims and whether those claims were paid out or not (and details related to this);
• analysis of data relating to marketing made to you, including history of communications and whether you open them or click on links;
• information we obtained from third parties, including information about insurance risk, pricing, claims history, instances of suspect fraud and usage history;
• personal information which we obtain from Credit Reference Agencies and Fraud Prevention Agencies, including public (for example, defaults) and shared credit history, financial situation and financial history;
• fraud, debt and theft information, including details of money you owe, suspected instances of fraud or theft, and details of any devices used for fraud;
• criminal records information, including alleged offences;
• information about your property, such as location, value, number of rooms, property type and building work you’ve had done (if relevant to the product or service);
• financial details about you, such as your salary and details of other income, details of your savings, details of your expenditure, and payment method(s);
• information about your employment status (if relevant to the product or service);
• information about your property occupier status, such as whether you are a tenant, live with parents or are an owner occupier of the property where you live at the time of your application;
• information we buy or rent from third parties, including demographic information, details of outstanding finance, marketing lists, publicly available information, and information to help improve the relevance of our products and services;
• insights about you and our customers gained from analysis or profiling of customers;
• third party transactions; such as where a person other than the account holder uses the service, information about that person and the transaction;
• any other Personal Information reasonably required in order for us to provide products or services requested by you;
• any other Personal Information permitted by or required to comply with any applicable local or foreign laws, rules, acts, regulations, notices, circulars, directives, guidelines, codes, guidance and/or decisions of any national, state or local government or regulatory authority, or any other authorities whether in Singapore or elsewhere, whether having the force of law or not, as may be amended from time to time (“Applicable Laws”).

At all times, we collect only the Personal Information on a "need-to-know" basis and for the Purposes of providing our products and services to you.

We may use or process your Personal Information for the following purposes ("Purposes"):

• providing, continuing and improving the operation and usability of our websites, your browsing experience and the provision of products or services requested by you;
• fulfilling our obligations in respect to the provision of products or services to you; providing you with the services and benefits of your insurance policy, conducting assessments, processing and paying claims;
• following up and assisting you with your application of our products and services; we use internet technologies to track your use of our websites and information filled in by you, whether submitted or not;
• processing, issuing your policy booking and sending through your policy wording and certificate by fax, post or email;
• contacting you for service administration purposes with respect to our products and services, for example, we may wish to notify you that a particular service has been suspended for maintenance. We wish to highlight that you will not be able to unsubscribe from these communications as they are considered as part of our provision of services;
• conducting due diligence, including performing AML/CFT and sanction screening checks in adherence with any Applicable Laws;
• carrying out market research for business insights, and conducting statistical and profiling analysis;
• conducting surveys and requesting feedback for quality assurance for purposes of improved quality of our products and services;
• providing general information about our products and services, including but not limited to providing media announcements, promotions and product discounts;
• facilitating any potential acquisition or merger with another organization, or upon any acquisition or merger with another organization;
• facilitating any enhancement of our system infrastructure and business operations that enable us to provide you with improved services in relation to your insurance policy;
• in respect to Cookies, improving the quality of service that we provide to you. Cookies are small text files of information that are stored by your browser on your computer's hard drive and can be used by website operators to recognize users and collect Personal Information;
• facilitating and managing business operations, including but not limited to disaster recovery, data entry and data storage;
• responding, handling, and processing your queries, requests, applications and complaints;
• exercising any rights and duties that we and Allianz Group may have in connection with the provision of our products and services, including but not limited to audit, compliance and investigation;
• training and security purposes in respect to recorded phone calls;
• protecting and defending the rights or property of Allianz; and
• complying with any legal, regulatory and good governance obligations (which may include responding to requests from public or governmental authorities.

Allianz Insurance Singapore may collect, use or disclose your Personal Information without consent where it is necessary in the legitimate interests of the organisation, in accordance with the PDPA, including for the following purposes:

• detection and prevention of fraud;
• detection and prevention of misuse of our services;
• network analysis for the prevention of fraud and financial crimes;
• data loss prevention on corporate devices.

Where we rely on this exception, we will document our assessment and ensure that the processing does not adversely affect you.

Our Site uses cookies to distinguish you from other users of our Site. Tracking and collecting data about your user experience and journey enables us to better understand, manage and improve the usability of our websites. This in turn helps us provide you with a good experience when you use the Site. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies contain information that is stored on your computer's hard drive. To activate cookie please click ‘accept cookies’ or go to ‘cookie settings‘.  At any time, you have the ability to accept or decline cookies by modifying the setting in your browser. The specific capabilities of your browser and instructions on how to use them can usually be found in the manual or help file of your browser.

We use the following types of cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our Site. They include, for example, cookies that enable you to log into our secure Site;

Analytical/performance cookies. These allow us to recognise and count the number of visitors to our Site and to see how visitors move around our Site when they are using it. This helps us to improve the way our Site works, for example, by ensuring that users are finding what they are looking for easily; and

Functionality cookies. These are used to recognise you when you return to our Site. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

Please note that our websites also use web analytics services provided by Adobe (Adobe Analytics). These services use “cookies”, which are text files placed on your computer, to help the website owner analyse how users browse the site. The information generated by the cookies of Adobe Analytics about your use of our websites will be transmitted to and stored by Adobe (servers located in the European Union). Adobe will use this information on behalf of the operator of this website for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing them other services relating to website activity and internet usage. The IP address, that your Browser conveys within the scope of the web analytics service, will not be associated with any other data held by Adobe.

By continuing to use the Site, you accept the use of cookies as outlined above.

We may from time to time disclose and share your Personal Information to the following parties to carry out any of the Purposes, as may be appropriate:

• any of our directors, officers, employees, Representatives, agents or delegates;
• any of our shareholders or related corporations, and any of their successors or assigns, and their directors, officers, employees, Representatives, agents or delegates;
• employers, contractors and agents of Allianz and other members of the Allianz Group, who may be given access to any Personal Information which we collect, but their use shall be limited to performance of their duties in relation to the products or services provided by us;
• any service providers, agents, contractors, delegates, suppliers or third parties (or subcontractors of the foregoing) which we may appoint from time to time to provide us with services or the services that we offer to you, and their directors, officers, employees, Representatives, agents or delegates;
• business partners (including reinsurers, brokers and bank partners), associates and third party service providers when reasonably necessary, and on a “need-to-know” basis;
• our professional advisers, consultants and auditors and any person who we believe in good faith to be your legal advisers or other professionals;
• any person who takes over or may take over all or part of our rights or obligations under this Agreement or anyone this Agreement (or any part of it) is transferred to or may be transferred to;
• to another entity in the event Allianz is intended to be acquired by or merged with, or is acquired by or is merged with that another entity;
• in the case of motor insurance policies, to the other party in the event of an accident claim where you do not exchange information with that other party.
• any relevant governmental or regulatory authority pursuant to a request by any relevant governmental or regulatory authority, or any person to whom we are, in our belief in good faith, under an obligation to make disclosure as required by any Applicable Laws; and
• parties who assist us in carrying out the Purposes laid out above in this Privacy Policy.

Other than what is required or permitted by law or is in compliance with a court order or as set out in this Privacy Policy, we will not disclose, share, rent, sell or otherwise trade the Personal Information to any third party without your permission. Where we have disclosed your Personal Information to third parties, we will require these parties to protect your Personal Information in a manner consistent with this Privacy Policy. These third parties are not permitted to use or process the Personal Information for any other purpose except as permitted by us.

At Allianz, we use Artificial Intelligence (AI), including generative AI and autonomous AI agents, to assist in areas such as underwriting, claims processing, fraud detection, customer service, and risk analysis. We are committed to using AI responsibly, in line with the Allianz Group's eight Responsible AI Principles — which include transparency, non-discrimination, data privacy, and human oversight. You can learn more about these principles at www.allianz.com/en/about-us/strategy-values/responsible-use-of-artificial-intelligence.html.

Where your Personal Information is processed by our AI systems, we will specifically inform you of:

(a) the function of the AI system concerned (e.g., text analysis, risk scoring, claims assessment);

(b) the categories of personal data used;

(c) whether your data is used for training or fine-tuning AI models;

(d) the steps you can take to decline or withdraw your consent to such processing.

This does not apply to anonymised data.

Allianz Insurance Singapore may use automated decision-making processes, including profiling, in certain activities such as underwriting, policy pricing, fraud detection, and claims management. Where a significant decision affecting you is made on the basis of automated processing, you have the right to:

• request human intervention;
• express your point of view;
• contest the decision;

by contacting our Data Protection Officer at the contact details provided at the end of this Privacy Policy.

Data generated through your interactions with our AI systems — including your queries (prompts), AI-generated responses (outputs), and AI agent activity data — are treated as personal data and benefit from the same protections as your other personal data.

When you interact with an AI agent, this interaction will be clearly disclosed to you at the point of engagement. We will provide information about:

• the agent's capabilities and limitations;
• the range of actions the agent is authorised to perform;
• how your data is collected and used by the agent;
• how to escalate to a human contact if the agent malfunctions or you dispute a decision.

When interacting with our AI-powered services, we encourage you to verify information provided by AI agents and report any malfunction or inaccurate result to our DPO.

Allianz Insurance Singapore maintains documented policies and procedures relating to AI governance, including:

• risk assessment;
• data protection measures;
• human oversight;
• audit mechanisms.

These policies are available upon request from our DPO and are regularly reviewed to reflect the evolving risks associated with AI, in accordance with the PDPC's Advisory Guidelines on AI (July 2026) and the IMDA's Model AI Governance Framework for Agentic AI (May 2026).

If you give us express consent to use your personal information for marketing purposes, we will use your personal information for marketing and promotional purposes including but not limited to carrying out lucky draws, or other information which you may be interested in, with the intention of improving our quality of products and services and generating business.

Allianz Insurance Singapore complies with the obligations of the Singapore Do Not Call (DNC) Registry in accordance with Sections 43 to 48 of the PDPA. We will not send you marketing messages by telephone, SMS or fax if your number is registered on the DNC Registry, unless you have given your express consent.

In the event you have requested to not receive marketing materials or communications from us, or other communications for promotional purposes, we will not send them to you. You have the right to change your consent on marketing preference at any time. You may at any time request us to cease sending marketing communications by contacting our DPO. Your withdrawal consent for marketing will take effect within 30 days of receiving your request. You can contact us at:

Contact Number: +65 6222 1919
Monday to Friday between 9am and 5pm (excluding Public Holidays)
customerservice@allianz.com.sg

Nonetheless, such withdrawal will not affect our provision of products and services that you have requested from us.

Where permitted by law, we may transfer, store, process and/or deal with your Personal Information outside Singapore. In doing so, we will comply with all the applicable data protection and privacy laws, including the Singapore Personal Data Protection Act 2012.

Allianz considers the security of our customer's Personal Information an important and necessary part of the responsible management of our corporate data. We therefore take all reasonable steps to ensure that customers’ Personal Information is secure and safeguarded from loss, misuse, unauthorized access, modification, or disclosure. All information is kept on a specifically designed database for exclusive use by us.

When you purchase your assistance services, we offer the use of secure server software that encrypts all information you input before it is sent to us. This ensures that the Personal Information is reasonably protected against unauthorized interception.

In order to comply with our obligations, we follow strict security procedures in the storage and disclosure of Personal Information to prevent unauthorized access to that information. These measures include encryption of data, and other safeguards designed to protect Personal Information throughout its lifecycle.

In the event of a data breach that is likely to result in significant harm to affected individuals or is of a significant scale, Allianz Insurance Singapore will notify the Personal Data Protection Commission (PDPC) within 3 calendar days of assessing the breach as notifiable, in accordance with Sections 26A to 26E of the PDPA. Affected individuals will also be notified as soon as practicable, with information on:

• the nature of the breach;
• the personal data concerned;
• the measures taken to address the breach;
• the recommended actions for affected individuals.

If you become aware of any suspected data breach involving your personal data, please contact our Data Protection Officer immediately.

In certain cases, Allianz Insurance Singapore may process your personal data on the basis of deemed consent by notification, in accordance with Section 15A of the PDPA. In such cases, we will:

• assess the potential adverse effects on you;
• notify you of the intended purpose;
• provide you with a reasonable period to opt out.

If you do not opt out within that period, your consent will be deemed to have been given.

It is important to us that your Personal Information is accurate, complete and up to date. You shall ensure that you provide information that is at all times correct, accurate and complete.

We will respond to your request for access to or correction of your personal data within 30 business days of receiving your request. If we are unable to meet this deadline, we will inform you accordingly. A reasonable fee may be charged for processing access requests, of which you will be informed in advance.

Please contact us at any time to access, update, correct, or revise your Personal Information by contacting us at +65 6222 1919.

If you give us personal information about another person (or persons), we'll take that to mean they have appointed and authorised you to act on their behalf. This includes providing consent to:

• our processing of their personal information and sensitive personal information (as we've explained above); and
• receiving any information protection notices on their behalf.

If you are concerned as to whether you are permitted to provide us with the other person's information, please contact us at the email address below before sending us anything.

If you (i) have any feedback or queries on our privacy policy or data protection practices, or (ii) wish to submit any request relating to access, rectification, erasure, restriction of processing, objection to processing or data portability, or (iii) have any privacy-related incident to report, please contact our Data Protection Officer:

Allianz Insurance Singapore Pte. Ltd.
79 Robinson Road #09-01
Singapore 068897
Email: dpo@allianz.sg

Alternatively, you may submit your request through our dedicated Privacy Portal:

Privacy Request Portal

You also have the right to lodge a complaint with the Personal Data Protection Commission (PDPC) if you believe that your personal data has been handled in a manner that is inconsistent with the PDPA. More information is available at www.pdpc.gov.sg.

By applying for insurance with Allianz through telephone, website, email, fax or paper, in accessing and using our company website, you consent to the collection, use, disclosure, holding, processing and transferring of any of your Personal Information you give to us in the ways described in this Privacy Policy. Any prior consent given by you will not be affected by the termination or expiry of your insurance policy.

You may withdraw your consent to the collection, use, disclosure, holding, processing and transferring of any of your Personal Information at any time by contacting us as per details provided above. Your withdrawal of consent will take effect within 30 days of receiving your request. Subsequently, we will cease to collect, use or disclose your Personal Information, unless it is required under the Personal Data Protection Act 2012 or any other written Applicable Laws.

Please note that should you withdraw your consent, we may not be able to provide you with the services that you have requested for and we will inform you of the consequences of such withdrawal of consent where applicable.

This Privacy Policy applies in conjunction with any other notices, contractual clauses and consent clauses that apply in relation to the collection, use and disclosure of your personal data by us. We may revise this Notice from time to time without any prior notice. You may determine if any such revision has taken place by referring to the date on which this Notice was last updated. Your continued use of our services constitutes your acknowledgement and acceptance of such changes.

The Website may contain links to other websites. Allianz is not responsible for the privacy practices or content of such websites. We encourage you to read the privacy statements of these linked sites as their privacy policy may differ from ours.

Privacy Policy last updated 07/10/2026