8E +

Question 1

On what basis can insurers treat the disabled less favorably

Answer 1

Only if justified on the basis of actuarial or statistical information

Question 2

What happens if an insurer can’t prove why they’ve treated someone unfairly?

Answer 2

Compensate for financial loss/inconveniece

Question 3

Which type of schemes does the Test Achats not apply to?

Answer 3

Group schemes

Question 4

4 key elements of DPA 2018

Answer 4

1. sensitive data kept confiedential
2. Restricting access rights
3. Parental consent age
4. Enhanced ICO powers

Question 5

ICO powers

Answer 5

1. Most serious – up to £17.5m or 4%
2. Criminal proceedings if records altered

Question 6

What happens to controllers where a processor is involved?

Answer 6

They are not relieved of their obligations

Question 7

Can an online identifier be personal data?

Answer 7

Yes, e.g., an IP address

Question 8

6 data protection principles

Answer 8

1. Lawfulness
2. Purpose limitation
3. Data minimisation
4. Accuracy
5. Storage limitation
6. Confidentiality

Question 9

How to make processing lawful?

Answer 9

Firms need to identify a lawful basis

Question 10

Six lawful bases for processing data

Answer 10

1. Consent
2. Contract
3. Legal obligation
4. Vital interests
5. Public task
6. Legitimate interests

Question 11

8 GDPR rights

Answer 11

1, Be informed
2. Access
3. Rectify
4. Erase
5. Restrict processing
6. Data portability
7. Objection
8. Automated decision making an dprofile

Question 12

SAR abbreviation

Answer 12

Subject access request

Question 13

How long do companies have to respond to SARs?

Answer 13

Within one month (can take 2)

Question 14

How can an individual request rectifiaction?

Answer 14

Verbally on in writing

Question 15

Is the right to erasure absolute?

Answer 15

No

Question 16

Is the right to restrict processing absolute?

Answer 16

No

Question 17

Examples of good practice tools

Answer 17

Privacy impact assessments and privacy by design

Question 18

What rights to individuals have of access?

Answer 18

Only structured information, not unstrucuted files

Question 19

How much does access to health records cost?

Answer 19

Generally free of charge

Question 20

Max cost of right of access if computerised?

Answer 20

£10

Question 21

Max cost of right of access for copies?

Answer 21

£50

Question 22

Exemption of right of access

Answer 22

If more likely to cause serious harm

Question 23

What happens if the amount of data requested is disproportionate?

Answer 23

This may be illegal

Question 24

How much does it cost for a a patient to request a copy of their corrected medical record?

Answer 24

Free

Question 25

Where are ABI confidentiality guidelines?

Answer 25

In its Code of Practice

Question 26

Who is responsible for ensuring the confidentiality of medical information?

Answer 26

CEO and CMO

Question 27

Which members of staff do ABI confidentiality guidelines apply to?

Answer 27

All staff, including self-temployed

Question 28

Who should medical reports be addressed to?

Answer 28

CMO

Question 29

Who can open medical reports?

Answer 29

CMO

Question 30

On what basis does the Mental Capacity Act assess capacity?

Answer 30

Decision and time specific

Question 31

Who can authorise treatment or make a claim on someone's behalf (under mental capacity act)?

Answer 31

Attorney, IMCA or public Guardian

Question 32

What is the purpose of Consumer Insurance (Disclosure and Representations Act 2012)

Answer 32

Deals with questions of utmost good faith and disclosure

Question 33

Honest and reasonable misrepresentation remedy

Answer 33

Insurer must pay the claim

Question 34

Careless misrepresentation remedy

Answer 34

Based on what insurer would've done had the question been answered accurately

Question 35

What happens if the insurer would've charged a higher premium for something that was not disclosed?

Answer 35

They will pay a proportion of the claims

Question 36

Deliberate or reckless misrepresentation remedy

Answer 36

Treat the policy as though it never existed and decline all claims – may retain all premiums

Question 37

Which act outlines utmost good faith rules?

Answer 37

Disclosure and Representations Act 2012