2016年4月14日，经过了4年的协商、起草和讨论，欧洲议会投票通过了《一般数据保护条例》 (General Data Protection Regulation)，该条例将在欧盟官方杂志公布正式文本的两年后（2018年）生效。该条例的通过意味着欧盟对个人信息保护及其监管达到了前所未有的高度，堪称史上最严格的数据保护条例。它旨在加强对自然人的数据保护，同时降低企业的合规成本，并直接适用于欧盟各成员国。GDPR中有许多关于个人数据的规定，对健康保险不免会有影响。
After almost 4 years of negotiations, drafting and discussions, the General Data Protection Regulation (GDPR) was issued in 2016 and will formally enter into force. The GDPR aims to harmonize data protection legislation across the European Economic Area (EEA), making compliance for (re)insurance companies that operate in multiple EEA jurisdictions easier. However, in order to achieve this, the GDPR introduces a number of new requirements that will have a significant, and sometimes onerous, impact on (re)insurance companies. Additionally, several instances within the GDPR allow for EU Member States to introduce specific national provisions that affect a range of sectors, including health insurance. |
在健康保险中会涉及到的个人数据，在GDPR中被定义为“特别类型的个人数据”。GDPR第9条规定了对这种类型数据的处理：禁止收集处理个人基因识别数据、生物数据、或涉及健康、性生活或性取向的数据。但在例外的情况下也可以收集加工以上数据，如已获得个人的明示同意，在正常医疗行为之下，或数据控制者因处理劳动关系、社会保险之需要并在法律允许的范围内且已采取了适当的保护手段等。
Under the GDPR, personal data usually involved in health insurance is termed "Special Category Data". What is important to highlight here is that "data concerning health", "genetic data" and "biometric data" will be subject to a higher standard of protection than personal data in general. The processing of these three forms of health data is prohibited unless one of several conditions applies.
These health-specific conditions are as follows:
1. The data subject must have given "explicit consent" to the processing.
2. "Processing is necessary for the purposes of preventive or occupational medicine, for the assessment of the working capacity of the employee, medical diagnosis, the provision of health or social care or treatment or the management of health or social care systems and services."
3. "Processing is necessary for reasons of public interest in the area of public health."
此次改革以保护公民的基本权利为理念，在提高个人数据保护标准的同时，也有人担心这种严格的数据保护将会阻碍对数据商业价值的开发。因此，在实践中面对纷繁复杂的情况时，需要找到其中的平衡点。对于欧盟以外的国家，新条例无疑树立了一个高标准的个人数据保护法律模板，这对于大数据的盛行也是一种挑战。
The reform focus on protecting the basic rights of citizens. While improving personal data protection standards, some people worry that such strict data protection will hinder the development of data business value. Therefore, when facing complex situations, we need to find the balance point. For the countries outside the European Union, the new regulations undoubtedly set up a high standard legal template for personal data protection, which is also a challenge for the popular big data. |
GDRP条例的颁布对保险行业来说是一把双刃剑，无论是保险公司还是用户，需要做的就是更好的迎接这些改变。我们很荣幸邀请到卫然先生作为本次大会的演讲嘉宾，与大家分享他对于GDRP的见解。热烈欢迎各位来到2018年第二届中国健康保险业创新国际峰会（6月28-29日I 上海）的现场，共同探讨更多关于健康保险新时代的内容。
The introduction of the GDPR is both a challenge and an opportunity for the insurance industry. It is essential now that we ensure we are fully prepared for the change to come, for both insurers and customers. It’s our great honor to have Mr. Jean-Louis Davet as our speaker to share his opinion on GDRP. We warmly welcome you to attend the 2nd Health Insurance Innovation Congress China 2018 (June 28-29th I Shanghai, China), discussing more about the new health insurance era. |
2018年第二届中国健康保险业创新国际峰会（6月28-29日）
2nd Health Insurance Innovation Congress China 2018 (June 28-29th)
话题：欧盟数据保护条例——健康保险公司的新战略时代
Topic: EU GDPR - New Strategic Era for Health Insurers
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| Keynote Speech 主题演讲 |
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Jean-Louis Davet is Chief Executive of Groupe VYV, the French leader in health insurance and services, formed in September 2017 from MGEN, Harmonie and ISTYA mutualist groups. VYV is by far the largest health insurer in France, covering 10 million people and owning 900 medical and care centers.He was instrumental in major international outcomes of insurance industry, such as Solvency 2 new European regulation framework. He is strongly involved in digitation, data strategy and privacy issues in the sectors of health and insurance, as well as in the development of mutualist models in China.
Jean-Louis Davet is Vice Chair of ICMIF.
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卫然Jean-Louis Davet
执行总裁，VYV集团；
副主席，国际合作与相互保险联盟
Chief Executive, Groupe VYV; Vice Chair, ICMIF
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