Our underwriting

Global Health Insurance

Our approach to underwriting is designed to provide a clear and fair experience for all our members.

Every individual plan we issue is based on a full medical underwriting approach. We ask detailed questions about each person’s medical history before issuing a plan. This means we only have to ask for this information once, at the time of application, and each person knows exactly what they’re covered for.

We take the same approach for company plans with under 10 members.

For companies that want to cover 10 or more people, we may be able to offer a plan on a ‘medical history disregarded’ basis and so won’t require them to provide detailed information about their employees up front.

We also have the option to offer cover on continuous transfer terms whereby we may be able to carry across any underwriting terms or exclusions (given by your existing insurer) to a Now Health plan.

Our underwriting partners

We have a number of strategic relationships with companies worldwide who underwrite our plans: 

Our underwriting partners



With a 300 year heritage, RSA is one of the world’s leading multinational quoted insurance groups. RSA has major operations in the UK, Scandinavia, Canada, Ireland and the Middle East and the capability to write business in around 140 countries.



AXA Gulf


Present in the region for more than 60 years, AXA Gulf is the largest international non-life company on the GCC offering a wide range of insurance products and services for corporate and individual customers. AXA Gulf was recently awarded Insurer of the Year 2009 at the Gulf Insurance Awards as well as at the Policy Awards.

2009 key figures:

- Present in five GCC countries
- 12 branches in the region
- Over USD 466 million in revenues (growth of nearly 8.6% on a comparable basis)
- Net income of over USD 40 million (+19%)
- Over 650,000 employees
- Over 500,000 clients
- Highest insurance company brand awareness



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