Our compliance responsibilities

Our compliance responsibilities

Expatriate Health Cover

The international nature of our business means that for us to be consistently compliant, we need to work with a number of different regulatory bodies around the world.

Our activities are ultimately monitored and supervised by the Dubai Financial Services Authority (DFSA).

 

 

The DFSA is the sole independent financial regulator for the Dubai International Financial Centre (DIFC).  Its approach is to be a risk-based regulator and to avoid unnecessary regulatory burden.

 

The DFSA has a statutory obligation to pursue the following objectives in the financial services industry in the DIFC:

  • To foster and maintain fairness, transparency and efficiency
  • To foster and maintain confidence
  • To foster and maintain the financial stability, including the reduction of systemic risk
  • To prevent, detect and restrain conduct that causes or may cause damage to the reputation of the DIFC, through appropriate means including the imposition of sanctions
  • To protect direct and indirect users and prospective users
  • To promote public understanding of the regulation
  • To pursue any other objectives that the Ruler may, from time-to-time, set under DIFC Law

For more information about the Dubai Financial Services Authority, please visit http://www.dfsa.ae/

 

Before you buy a plan from us, please review the terms and conditions of the contract:


If you are buying a plan for yourself and/or your family, click here to view our WorldCare individual and families members' handbook.


If you are buying a plan for your employees, click here to view our WorldCare companies members' handbook.

In the UAE our plans are brought to you by RSA. Its activities are regulated by the Insurance Authority. The Insurance Authority’s mission is to:

“Promote the UAE’s insurance sector by means of legislation and policies; defend the rights of the policyholders without prejudice to the rights and interests of the insurance companies; organise the legal and administrative systems; extend coordination with the pertinent entities and the private sector; develop the relations with the international organisations and support the move to Emiratize the insurance sector.”

 

Information about the Insurance Authority including guidance for policyholders can be obtained at its website:- www.ia.gov.ae.

Once you have purchased your plan we will administer it on behalf of RSA. and ensure that the service you receive meets the high standards set for Now Health worldwide and RSA in the region.

 

The objectives of the Health Insurance Law of Dubai (No 11 of 2013)

The Health Insurance Law of Dubai is enforced by the healthcare regulator, the Dubai Health Authority (“DHA”). The strategy of the DHA is built upon two key pillars. The first pillar is that all UAE Nationals and expatriate residents (“Residents”) of Dubai should have access to healthcare. In order for this to happen, there must be funding mechanisms in place to ensure that the costs of care are met.

The second pillar is that healthcare provision must be of the highest quality relevant to the needs of the population.

The objective of the Law is, therefore, to ensure that there is a system of funding in place that meets the objectives of access and quality.

The law requires that all Nationals and Residents of Dubai (including dependents) must have coverage in place to pay for emergency and curative healthcare needs.

For residents and their dependents, funding will be provided by private health insurance schemes.

The law applies to all economic areas of the Emirate of Dubai including Free Zones.

 

It is the responsibility of the employer to put in place and to pay the costs of private health insurance plans for employed residents. The employer is not compelled to pay for coverage for spouses and dependents but as a matter of good human resource practice and to ensure security for its workforce DHA encourages employers to do so. 

The law is enforced through the residential visa process whereby no new visa will be issued or an existing one renewed where the individual concerned does not have health insurance coverage in place at the time of visa application or renewal. 

 

Now Health International Gulf Third Party Administrators LLC. has obtained a Health Insurance Permit from the DHA to operate in the Dubai as a Third Party Administrator in partnership with RSA.

 

Before you buy a plan, please review the terms and conditions of the contract:

 

 If you are buying a plan for yourself and/or your family, click here to view our individual and families members' handbook;

If you are buying a plan for your employees, click here to view our companies members' handbook.

In the UAE our plans are brought to you by Axa Insurance (Gulf) B.S.C. (c). Its activities are regulated by the Insurance Authority. The Insurance Authority’s mission is to:

 

“Promote the UAE’s insurance sector by means of legislation and policies; defend the rights of the policyholders without prejudice to the rights and interests of the insurance companies; organise the legal and administrative systems; extend coordination with the pertinent entities and the private sector; develop the relations with the international organisations and support the move to Emiratize the insurance sector.”

 

Information about the Insurance Authority including guidance for policyholders can be obtained at its website:- www.ia.gov.ae.

 

Once you have purchased your plan we will administer it on behalf of Axa Insurance (Gulf) B.S.C. (c). and ensure that the service you receive meets the high standards set for Now Health worldwide and Axa in the region.

 

The objectives of the Health Insurance Law of Dubai (No 11 of 2013)

The Health Insurance Law of Dubai is enforced by the healthcare regulator, the Dubai Health Authority (“DHA”). The strategy of the DHA is built upon two key pillars. The first pillar is that all UAE Nationals and expatriate residents (“Residents”) of Dubai should have access to healthcare. In order for this to happen, there must be funding mechanisms in place to ensure that the costs of care are met.

 

The second pillar is that healthcare provision must be of the highest quality relevant to the needs of the population.

 

The objective of the Law is, therefore, to ensure that there is a system of funding in place that meets the objectives of access and quality.

 

The law requires that all Nationals and Residents of Dubai (including dependents) must have coverage in place to pay for emergency and curative healthcare needs.

 

For residents and their dependents, funding will be provided by private health insurance schemes.

 

The law applies to all economic areas of the Emirate of Dubai including Free Zones.

It is the responsibility of the employer to put in place and to pay the costs of private health insurance plans for employed residents. The employer is not compelled to pay for coverage for spouses and dependents but as a matter of good human resource practice and to ensure security for its workforce DHA encourages employers to do so.

The law is enforced through the residential visa process whereby no new visa will be issued or an existing one renewed where the individual concerned does not have health insurance coverage in place at the time of visa application or renewal.

 

Now Health International Gulf Third Party Administrators LLC. has obtained a Health Insurance Permit from the DHA to operate in the Dubai as a Third Party Administrator in partnership with AXA Insurance (Gulf) B.S.C. 

 

Before you buy a plan, please review the terms and conditions of the contract:

If you are buying a plan for yourself and/or your family, click here to view our individual and families members' handbook;

If you are buying a plan for your employees, click here to view our companies members' handbook.

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