Personal health information and your privacy

Published: 18 May 2023
Type: Insight

When Bermuda’s privacy laws come into full force, perhaps this year, one of the most sensitive areas of privacy protection will concern the medical and health records that so many organisations collect and use.

Whether you are an insurance company, hospital or patient, a medical information privacy case in Canada last month illustrates how important is the quality of an organisation’s compliance infrastructure and its response to any breach of such sensitive personal information.

In the Ontario case, a hospital reported to the privacy commissioner three separate medical information privacy breaches under that province’s version of Bermuda’s Personal Information Protection Act 2016. Each involved unauthorised access to a patient’s personal medical information by employees of the hospital who had, in the words of the privacy commissioner, “snooped” those records for non-work-related purposes.

The number of such distinct wrongful access incidents suffered by the hospital aroused the privacy commissioner’s concern that such surreptitious snooping might be systemic across the hospital’s staff so she agreed to hear the complaint against the hospital.

By comparison, under Pipa, all such medical information is defined as sensitive personal information which must be used only for the consented purposes for which it was collected by the retaining organisation.

It must be securely kept to a standard of “safeguard” from unauthorised access that must take into account the likelihood and severity of the harm threatened by any such unauthorised access or misuse, the sensitivity of such personal information and the context in which it is held.

A possible contextual consideration for any hospital is the reasonable patient expectation of confidentiality for such sensitive medical information.

The Ontario privacy commissioner considered whether the hospital had taken reasonable steps to protect the health information, which must include the implementation of administrative and technical measures or safeguards — including policies, procedures, practices, audits, training and awareness programmes.

She also undertook a thorough review, if not audit, of all the hospital’s privacy compliance infrastructure.

Because the hospital in that case had responded diligently when those breaches arose, had taken disciplinary measures against the perpetrators, had increased its staff training on those issues, and had otherwise diligently complied with the security and other measures required by Ontario’s health information protection statute, the Ontario privacy commissioner was “… satisfied that the hospital has adequately addressed the privacy concerns raised by the three breaches … a [conduct] review [of the hospital] is not warranted”.

Although Bermuda and Ontario have different health information privacy laws, they are very similar in their treatment of personal medical information. Certainly, such employee snooping would likely be a violation of Pipa’s medical information privacy protections.

The decisions of the Ontario privacy commissioner are in no way binding in Bermuda, but the case may be instructive about how important preparatory compliance measures can be.

Whether sensitive medical information is in the hands of your healthcare providers, a hospital or your insurance company, the preparatory quality of the organisation’s compliance infrastructure and the diligent nature of its responses to a breach incident may well influence and inform a determination as to whether an organisation has contributed to, or even enabled, such breaches to occur.

First Published In The Royal Gazette, Legally Speaking, May 2023

Share
More publications
Appleby-Website-Insurance-and-Reinsurance
22 Sep 2026

BMA Sets Out Phased Path to a Bermuda Insurance Resolution Regime

The Bermuda Monetary Authority (BMA) has proposed a framework for resolving failing (re)insurers. Boards and executive teams should take note and, where appropriate, take part in the consultation, which closes on 15 December 2026.

ICLG Fintech 21 cover
14 Sep 2026

Navigating BMA’s proposed AI guidance note

Now that the Bermuda Monetary Authority has shifted its focus from general principles about artificial intelligence to a concrete, actionable regulatory framework, board and executive teams of financial service companies must take note and decide whether to become involved in the consultative process.

Appleby-Website-Employment-and-Immigration
10 Sep 2026

AI in the Workplace: Emerging Legal Issues for Bermuda Employers

Artificial intelligence is rapidly becoming part of the modern workplace. It has moved quickly from being an experimental technology to an everyday business tool. Employers are already using AI to draft job advertisements, screen applications, assess candidates, analyse employee performance, monitor productivity and assist with disciplinary and termination decisions. For employers, the attraction is obvious. AI can process large quantities of information quickly, identify patterns and perform tasks that previously required significant human resources. But such widespread application of AI is also giving rise to legal risk as regulators and courts around the world consider what happens when an employment decision is made, or materially influenced, by an algorithm. It is a question that is likely to become increasingly relevant in Bermuda, as the law necessarily catches up with the technology.

Appleby-Website-Insurance-and-Reinsurance
8 Sep 2026

Capital rich, softening rates, big opportunity: the growth dilemma

After several years of healthy profits, despite some softening, the reinsurance market remains in good shape – if discipline remains. Meanwhile, new and complex risks are emerging, including data centres, offering big opportunities for growth for those willing to take it on. They were some of the takeaways from 10 senior executives from the Bermuda market who met at a roundtable in Monte Carlo.

Appleby-Website-Insurance-and-Reinsurance
8 Sep 2026

A refusal to stand still

Anchored by regulatory credibility and an unmatched marketplace, Bermuda continues to widen its offering with capital adaptability and innovation, says Brad Adderley, of Appleby.

Appleby-Website-Funds-and-Investment-Services
27 Aug 2026

Late-stage liquidity and the Bermuda fund toolkit

Private-market liquidity once followed an exit. Today, however, it must often be engineered. That matters in Bermuda, where asset management is not only a substantial sector in its own right, but also complemented by Bermuda’s re/insurance and insurance-linked securities market.

Corporate
13 Aug 2026

The limited liability company: ten years on

Nearly a decade after they were first introduced in Bermuda, parties have started to appreciate the benefits offered by limited liability companies — and consequently we have begun to see LLCs used with increasing frequency.

Appleby-Website-Insurance-and-Reinsurance
11 Aug 2026

MGAs, capacity and control

Max Tetlow and Cathryn Minors of Appleby examine the forces pushing MGAs toward better alignment and more disciplined capital.

Technology and Innovation
28 Jul 2026

Bermuda’s digital asset foresight bearing fruit

The wisdom of Bermuda’s pioneering approach in the digital asset business space has been underlined by the latest global economic impact figures compiled by McKinsey & Company, the global management consulting firm.

050-Insolvency-Restructuring-Grid-Image
13 Jul 2026

Bermuda: Restructuring & Insolvency

This country-specific Q&A provides an overview of Restructuring & Insolvency laws and regulations applicable in Bermuda.