Loi modifiant la loi du 4 avril 2014 relative aux assurances en vue d'établir dans le domaine de l'assurance maladie et de l'assurance individuelle sur la vie une restriction de traitement des données à caractère personnel concernant le mode de vie ou la santé issues des objets connectés, de 10 décembre 2020
Article 1er. La présente loi règle une matière visée à l'article 74 de la Constitution.
Art. 2. Dans la partie 3, titre III, de la loi du 4 avril 2014 relative aux assurances, il est inséré un nouveau chapitre 3, comportant les articles 46/1 à 46/3, intitulé : "Chapitre 3. Données à caractère personnel concernant le mode de vie ou la santé de l'assuré issues d'objets connectés."
Art. 3. Dans le chapitre 3 précité, il est inséré un article 46/1, rédigé comme suit :
"Art. 46/1. Les dispositions du présent chapitre, prises en application de l'article 9.4 du Règlement (UE) 2016/679 du Parlement européen et du Conseil du 27 avril 2016 relatif à la protection des personnes physiques à l'égard du traitement des données à caractère personnel et à la libre circulation de ces données, et abrogeant la directive 95/46/CE, sont applicables aux contrats d'assurance énumérés ci-dessous :
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l'assurance individuelle sur la vie ;
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le contrat d'assurance maladie visé à l'article 201, § 1er."
Art. 4. Dans le chapitre 3 précité, il est inséré un article 46/2, rédigé comme suit :
"Art. 46/2. Lors de la conclusion du contrat visé à l'article 46/1, le refus du candidat assuré d'acquérir ou d'utiliser un objet connecté qui récolte des données à caractère personnel concernant son mode de vie ou sa santé ne peut en aucun cas conduire à un refus d'assurance ni à une augmentation du coût du produit d'assurance."
Art. 5. Dans le chapitre 3 précité, il est inséré un article 46/3, rédigé comme suit :
"Art. 46/3. Aucune segmentation ne peut être opérée sur le plan de l'acceptation, de la tarification et/ou de l'étendue de la garantie sur la base de la condition que le candidat assuré accepte d'acquérir ou d'utiliser un objet connecté qui récolte des données à caractère personnel...
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