Management team


Martin Garcia – Executive Chairman
With extensive knowledge of the markets we trade in, Martin has over 20 years of financial services experience and 16 years direct experience in the international health insurance market. He developed and managed a high profile IPMI specialist and has lived in Dubai, Hong Kong and the UK over the course of the last 15 years.

Zahir Sharif  Managing Director  Now Health International 
Zahir carries over 16 years experience in insurance across both developed and emerging markets. He has worked in 3 continents and with over 21 countries. General management responsibilities include full P&L, strategy, underwriting, risk management, contract negotiation, restructuring, acquisitions, distribution management and talent development. Zahir has proven track record in building businesses and driving profitable growth.

Alex Dalton – Managing Director Europe & Chief Operating Officer
Alex Dalton has 20 years’ experience in the financial services industry in a variety of roles across the UK mortgage and insurance markets. He combines strong operational experience with a focus on delivering customer service strategies, process improvement and productivity gains.

Michel Faucher – Managing Director Middle East and Africa & Chief Commercial Officer
Michel has more than 30 years’ experience working on both the insurer and consulting side of the industry across Asia Pacific, the Middle East, North America and Europe. He has a proven track record in delivering dynamic distribution strategies and leading mergers and acquisitions in emerging markets. He is responsible for our growth strategy in the Middle East & Africa region and also oversees all commercial aspects of the business including underwriting, marketing, and regional compliance. 

Rob McIntyre  Managing Director Asia Pacific & Chief Distribution Officer
Rob has many years of international health insurance experience in both Europe and Asia, and in particular Singapore. Coming from both a sales and technical background, Rob has a full understanding of the international health insurance market.

Kieran Brown  General Manager  Europe 
Kieran joined Now Health International in 2013 and is responsible for the growth of our Europe sourced business. A BSc (Hons) graduate in Business, Kieran has 25 years experience in the medical insurance industry. He previously held positions with BUPA, AXA and Cigna. Kieran has a proven track record in sales, account management and business development in retail, SME and large corporate market segments.


Sonja de Pattenden  General Manager  Middle East and Africa 
Sonja has more than 19 years of experience in international health insurance in the Middle East and Africa, and has been with Now Health International since the company launched in the UAE in 2011. Sonja's core expertise lies in business development and she is responsible for overseeing the region's strategic business plan. 

Stephane Louvrier  General Manager  Greater China
Stephane has 20 years experience working in the insurance sector having previously held senior positions in the industry in both Europe and Asia. He has expertise in delivering a range of strategic insurance projects, and as General Manager for Greater China is responsible for the continued growth of the business across the region.

Stephen Wong  General Manager  China 
Stephen is a well-seasoned insurance leader with a proven track record in delivering exceptional performance for market leading insurers within Greater China. He is skilled in Portfolio Management and Risk Management, and is an experienced sales driver with a strategic focus on developing distribution and high-performance Sales teams.

Christine Onggowati – General Manager  Indonesia
Christine has worked in the insurance industry for two decades and has been with Now Health International since we launched in Indonesia. She has a proven track record in delivering successful sales and distribution strategies and is responsible for driving our membership growth in the local market.

Farooq Ahmed Farid  Chief Underwriting Officer
Farooq is a qualified actuary, a risk & underwriting management professional, strategist and data scientist. He has worked for leading insurers globally covering health, life and non-life insurance. During his career, Farooq has been instrumental in helping to develop international best practices across underwriting, technical pricing, actuarial, analytics, product development, risk management, reinsurance, and business intelligence in order to implement successful strategic business plans. In his role he is responsible for managing the global underwriting practice of the business across Europe, Asia Pacific, the Middle East and Africa.

Dr Bilal Shirazi  Chief Medical Officer
Dr. Bilal has more than 17 years experience working across clinical medicine and the health insurance sector, with particular expertise in health insurance administration and operations. In addition to his Bachelor of Medicine and Bachelor of Surgery degree (MBBS), he has an MBA and is an Associate member of the Life Office Management Association (LOMA).  Dr Bilal is responsible for the Clinical, Network and Claims teams across Now Health International globally, ensuring high standards of efficiency while delivering an enhanced customer experience.

Alison Massey  Group Marketing Director
Alison has over 20 years’ experience in financial services marketing and communications, the last 10 of which have been in the international health insurance field. A qualified, technical marketer, her core skill set lies in digital marketing and brand development.


Lauren McCluskey  Group HR & Training Director
Lauren is a certified HR practioner and has gained generalist HR experience in service and aviation industries working with key international brands supporting large client groups. Lauren’s scope of HR expertise includes recruitment and selection, employee relations, talent and performance management , training and assessment, and compensation and benefits. She has a Bachelor’s degree in Business, majoring in Human Resources and Economics, and is Training and Assessment (TAA) qualified. Working in senior strategic HR roles within service focused industries, Lauren has supported high volume business growth, utilising the full range of HR tools and business insights to enable business leaders to achieve and ensuring efficient HR programs and a sustainable talent pipeline. Lauren joined the business in 2014 and is accountable for all facets of HR operations and people and talent development.

Ximena Besnier  Product and Proposition Director
Ximena has 18 years of experience in the international healthcare industry working across multiple continents in emerging markets and challenging environments. She specialises in business process re-engineering with a focus on maximising operational performance, strengthening compliance, enhancing customer experience and accelerating growth through data driven process improvement. Ximena has an MBA from the HEC School of Management in Paris, an Economics degree from University of Chile and speaks 5 languages: English, Spanish, French, German and Italian. In 2018 she completed Oxford University's Blockchain Strategy Programme and is interested in exploring the interface between healthcare and emerging technologies.

Francis Ng  Sales and Distribution Director  Greater China
Francis has a decade of experience working for leading players in the international health insurance industry, with particular expertise in building distribution platforms to drive profitable growth. Fluent in English, Cantonese and Mandarin, Francis is responsible for developing and deploying strategic distribution partnerships across the Greater China region.

Jane Suriaatmadja  Business Development Director  Indonesia
As Business Development Director Jane is our key sales lead for the Indonesia market, drawing on her local knowledge and more than 17 years experience in the international health insurance industry.

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