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 regulated by the Financial Conduct Authority (FCA).


The Financial Services and Markets Act 2000 (FSMA) gives the FCA five statutory objectives:

 Market confidence - maintaining confidence in the financial system
 Public awareness - promoting public understanding of the financial system
 Financial stability - contributing to the protection and enhancement of the UK financial system 
 Consumer protection - securing the appropriate degree of protection for consumers 
 The reduction of financial crime - reducing the extent to which it is possible for a business to be used for a purpose connected with financial crime


Treating customers fairly (TCF) is central to the delivery of the FCA's retail regulatory agenda, which aims to ensure an efficient and effective market and thereby help consumers achieve a fair deal.


Through TCF, the FCA aims to deliver improved outcomes for retail consumers. The six consumer outcomes explain what the FCA wants TCF to achieve for consumers.


  • Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture

  • Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly

  • Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale

  • Where consumers receive advice, the advice is suitable and takes account of their circumstances  

  • Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect 

  • Consumers do not face unreasonable post-sale barriers imposed by firms to change the product, switch provider, submit a claim or make a complaint


For more information about the Financial Conduct Authority, please visit https://www.fca.org.uk/

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.

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