Non-public personal information (NPI) refers to any sensitive information about an individual that is not available to the general public. In the context of insurance, NPI can include a person's Social Security number, date of birth, medical records, financial information, and other personally identifiable information.
Examples of NPI in insurance may include:
· A person's Social Security number and other personal identifying information used to open an insurance policy.
· Medical records and health information submittedby the insured as part of the underwriting process.
· Financial information such as bank accountnumbers or credit card information used to pay premiums or make claims.
Key features of non-public personal information in insuranceinclude:
· Confidentiality: Insurance companies arerequired to keep NPI confidential and secure from unauthorized access ordisclosure.
· Privacy: Individuals have the right to accesstheir own NPI and request changes or corrections to inaccurate information.
· Legal protection: The handling of NPI isgoverned by a variety of federal and state laws, including theGramm-Leach-Bliley Act and the Health Insurance Portability and AccountabilityAct (HIPAA), which impose strict requirements on how NPI is collected, used,and shared.
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