Our underwriting

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

  • In Europe and Rest of World territories - AXA PPP healthcare


    AXA PPP healthcare, who is a globally-recognized provider of medical insurance, with over two million members around the world. It has more than 70 years’ experience in healthcare insurance, including 40 years in international markets.


  • In other Rest of World territories

    Best Doctors Insurance

    For those members with membership numbers starting with ‘BN’, plans are insured by Best Doctors Insurance Limited. Best Doctors Insurance Limited is a non-resident Class 3B insurer in Bermuda. To be registered as a Class 3B insurer the minimum premium requirement is USD $50 million and Best Doctors Insurance Limited continues to comply with the ongoing solvency requirements the Bermuda Monetary Authority (BMA) place on us.

  • In Hong Kong – AXA General Insurance Hong Kong Limited

    AXA General

    AXA General Insurance Hong Kong Limited is a member of the AXA Group, a world leader in financial protection. It provides a comprehensive range of general and health insurance products for individual customers as well as commercial clients.

    With over 170 years' experience in Asia, AXA General is one of the top general insurers in Hong Kong and a market leader in motor insurance. It has expertise in personal, business and health insurance, with a wide range of SMART products in the motor, home, travel, domestic helper, personal accident, health, office and shop, and other general insurance solutions in marine, engineering, employee compensation, liability, and corporate insurance.



  • In the UAE – Arabia Insurance Company S.A.L. – from 1 August 2020

    Established in 1944 and present across nine Arab territories, Arabia Insurance owes its strength to 75 years of regional expertise, locally customised solutions, and a key focus on customer centricity to meet customers’ evolving needs. Arabia Insurance has drawn its objectives over-delivering adequate coverage, proper and prompt claims handling, product development and the latest technical updating. The core of Arabia’s success lies in understanding individual needs and maintaining a close relationship with customers.



  • In the UAE – RSA – from 1 June 2016 until 31 July 2020


    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.



  • In the UAE - AXA Insurance (Gulf) B.S.C. (c) until 31 May 2016

    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



  • In China - Asia-Pacific Property & Casualty Insurance Co., Ltd.


    Financially strong, reliable and well-respected, API is one of the leading property and casualty providers in China.

    Its products include property loss insurance, accident insurance, and health insurance, which it supplies to individuals, families, and businesses nationwide.


    API Website

    Now Health China Website

  • In Singapore – Sompo Insurance Singapore Pte. Ltd.


    Our underwriting partner in Singapore is Sompo Insurance Singapore Pte. Ltd. Sompo Insurance was established in January 2013 when Tenet Insurance Company Ltd merged with Sompo Japan Insurance (Singapore) Pte. Ltd. In January 2014, Sompo Insurance further merged with NIPPONKOA Insurance Co., Ltd., Singapore Branch, by acquiring its general insurance business to form an even larger entity in Singapore. Sompo Insurance has been a part of the Singapore history since 1957 (as Tenet Insurance), while Sompo Japan group and NIPPONKOA Insurance Group have their histories stretching back to 1888 and 1892 respectively.



  • In Indonesia - PT Sompo Insurance Indonesia


    Now Health’s underwriting partner in Indonesia is PT Sompo Insurance Indonesia. It was established on June 1, 2013, as a new company, following the merger of between PT Sompo Japan Insurance Indonesia (established on 1978) and PT Asuransi Nipponkoa Indonesia (established in 1975) and the management integration of Sompo Japan Insurance Inc. and Nipponkoa Insurance Co. Ltd. Since September 1, 2014, the name of the merged parent company became Sompo Japan Nipponkoa Insurance Inc. Both existing companies, PT Sompo Japan Insurance Indonesia and PT Asuransi Nipponkoa Indonesia have more than 30 years history in the Indonesian insurance market.