Management team


Martin Garcia

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 of 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 a proven track record in building businesses and driving profitable growth.

Alex Dalton – Managing Director, Europe, Middle East and Africa (EMEA) & 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.

Elizabet Narciandi - Managing Director, Americas
Elizabet Narciandi joined the Best Doctors Insurance family in 2010. In her position as Managing Director of our servicing company, Best Doctors Insurance Holding, she administers and directs the business facets, customer service, complaint processing, medical notifications management, quality control Latin America, the Caribbean and Canada. She has a degree in Computer Science and a Master’s degree in Management Information Systems from Florida International University, (FIU). She has a Microsoft professional certification and a Project Management Certification, from the Project Management Institute, (PMI).

Rob McIntyre - General Manager - Asia Pacific
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.


Sonja de Pattenden - General Manager - the 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.

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.

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.

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. 

David Capote - Americas VP of Sales and Marketing
David brings nearly 20 years of insurance experience to the Best Doctors Insurance family, in his position as Vice President of Sales and Marketing to our servicing company, Best Doctors Insurance Holdings. During this time, David has focused on various commercial development roles working with distribution channels throughout the LATAM region. He will be responsible for driving strategic business development in Latin America, Canada and the Caribbean. David began his career in 1997 with Amedex Insurance Company and then spent six years with Bupa International. He has spent the past five years with Pan-American Life Insurance Company as Vice President of Sales for International Major Medical products and was responsible for local individual health sales. During his career, David has also served on various board of directors positions in the USA and Latin America.

Paul Staines - Group CFO
With 17 years of CFO experience, Paul has considerable expertise in strategic and commercial planning. In his role as Group CFO, he is responsible for overseeing the financial stability of the business and budget management. He has previously held senior financial roles with leading blue-chip media and insurance firms in the US and Latin America, including the Discovery Channel and most recently Bupa and the Ohio National Life Insurance Company. Paul holds an Economics degree from the University of Wisconsin, Madison and an MBA from the University of Michigan, Ann Arbor, and is fluent in three languages: English, Spanish and Portuguese.

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

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 Ellis - Group HR & Training Director
Lauren is a certified HR practitioner 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.

Harinder Brad International Health Insurance

Harinder Brad - Legal Director
A UK qualified lawyer with 15 years of legal experience with 7 years in private practice in the UK and for the past 8 years in-house as a Senior/General Counsel for a large multinational Swiss Insurance Company in their UK, Singapore and Middle East offices. With extensive legal and regulatory experience within the insurance, financial services, and regulatory sectors. Has advised on large cross jurisdictional global projects, M&A deals, litigation & investigations, compliance and dealing with Regulatory Authorities around the world. A solution-driven lawyer with particular strength in providing innovative strategic solutions both in a legal and commercial context.

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.

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