{"id":10293,"date":"2025-08-07T17:23:29","date_gmt":"2025-08-07T15:23:29","guid":{"rendered":"https:\/\/www.js-soft.com\/7-datenschutz-fallen-fuer-versicherungen\/"},"modified":"2025-08-08T08:18:00","modified_gmt":"2025-08-08T06:18:00","slug":"7-datenschutz-fallen-fuer-versicherungen","status":"publish","type":"post","link":"https:\/\/www.js-soft.com\/en\/7-datenschutz-fallen-fuer-versicherungen\/","title":{"rendered":"7 Data Protection Pitfalls in Customer Communication"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In the daily communication with customers, the insurance industry frequently processes personal data. However, many of these processes involve risks, as they are not GDPR-compliant. Wallet technology provides a secure and user-friendly alternative, enabling fast and structured communication, whether it\u2019s about claims, health information, or billing documents. This checklist highlights seven common data protection pitfalls and how wallet technology helps prevent them as a technical and organizational measure under the GDPR.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Sending Sensitive Information via Unencrypted Email<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Sending policies, claim reports, or health data as PDF attachments via email.<br>Legal Risk: Violates Article 5(1)(f), Article 5(2), and Article 32 GDPR (integrity, confidentiality, and processing security).<br>Better with Wallet: Documents are end-to-end encrypted and delivered via a secure, individual channel with no email involved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Lack of Traceability in Data Transfers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Internal forwarding of customer requests via email between agencies and insurers. Customers accessing shared cloud folders is often non-compliant and opens potential backdoors.<br>Legal Risk: Article 5(2) GDPR requires full accountability: Who accessed which data and when?<br>Better with Wallet: Every transfer is transparently logged, reducing liability and ensuring traceability for high-risk data exchanges.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Storing Personal Data on Local Devices<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Brokers saving client data locally in Excel files or insecure CRM systems.<br>Legal Risk: Violates Article 25 (Privacy by Design) and Article 32 GDPR.<br>Better with Wallet: Data is stored decentrally with the customer. Access is granted only when needed and only with consent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Keeping Data Without Legal Justification<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Old forms or email threads remain in inboxes for years without legal retention requirements.<br>Legal Risk: Breach of Article 5(1)(c), (e) and Article 25(2) GDPR (data minimization and storage limitation).<br>Better with Wallet: Time-limited data sharing, automated deletion rules, or revocation options initiated by the customer.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Communicating via Third-Party Platforms from Non-EU Countries (e.g., WhatsApp)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Handling inquiries or sending documents via messenger apps.<br>Legal Risk: Transferring data to the US (e.g., via WhatsApp) without appropriate safeguards violates Article 44 ff. GDPR. Post-Schrems II, this is considered legally risky.<br>Better with Wallet: GDPR-compliant communication within a closed, controlled environment \u2013 without third-country providers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Insecure Handling of Identity Documents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Customers send copies of ID cards or bank documents via email or fax.<br>Legal Risk: Involves special categories of personal data (Art. 9 GDPR). ID data must be minimized and shared selectively (Art. 5(1)(c) GDPR).<br>Better with Wallet: Digital identity attributes can be verified and securely shared alongside ID documents \u2013 in a structured and controlled way.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. No Transparent Option for Revoking Consent or Accessing Data<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Customers lack visibility into where their data is stored and can\u2019t easily revoke access.<br>Legal Risk: Breach of Articles 15 (Access), 17 (Erasure), and 21 (Objection) GDPR.<br>Better with Wallet: Customers stay in control. Access can be granted or revoked at any time \u2013 without bureaucracy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conclusion: Wallet technology empowers insurers, brokers, and service providers to rethink customer communication \u2013 securely and in line with GDPR:<br>\u2714 No media breaks<br>\u2714 No email<br>\u2714 No paper<br>\u2714 But fully \u201cstate of the art\u201d \u2013 compliant, secure, and user-centric<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Do you want to learn more about wallet technology in insurance?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We are currently offering, in cooperation with VSAV e.V., a webinar on the topic of wallets for the insurance industry.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"640\" src=\"https:\/\/www.js-soft.com\/app\/uploads\/2025\/08\/LinkedIn-Image.png\" alt=\"\" class=\"wp-image-10270\" srcset=\"https:\/\/www.js-soft.com\/wp-content\/uploads\/2025\/08\/LinkedIn-Image.png 640w, https:\/\/www.js-soft.com\/wp-content\/uploads\/2025\/08\/LinkedIn-Image-300x300.png 300w, https:\/\/www.js-soft.com\/wp-content\/uploads\/2025\/08\/LinkedIn-Image-150x150.png 150w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/js-soft.typeform.com\/walletwebinar\">Click here<\/a> to register.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Alternatively, you can <a href=\"mailto:michael.feygelman@js-soft.com\">contact me<\/a> (Michael Feygelman) directly.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unsere Wallet-L\u00f6sung, die aktuell haupts\u00e4chlich im Bildungsbereich genutzt wird, bietet sich f\u00fcr bestimmte Branchen besonders an. Beispiel: Versicherungsbranche. <\/p>\n","protected":false},"author":23,"featured_media":10296,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[224],"tags":[],"class_list":["post-10293","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wallets-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 Data Protection Pitfalls in Customer Communication - j&amp;s-soft<\/title>\n<meta name=\"description\" content=\"In the insurance industry, many processes carry risks because they are not GDPR-compliant. 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