Conditions of Use

About Now Health International (Investments) Limited

Now Health International (Investments) Limited is a trademark registered in Hong Kong.

In these Conditions of Use, 'our', 'we' and 'us' means the following companies together: Now Health International (Investments) Limited, Now Health International Limited, Now Health International (Asia Pacific) Limited, Now Health International (UK) Limited and Now Health International Services (Europe) Limited. 

English Law

These Conditions of Use will be governed by and construed in accordance with English law. Any disputes arising in relation to these Conditions of Use will be subject to the non-exclusive jurisdiction of the English courts.

If any of the following provisions shall be unlawful, void or for any purpose unenforceable, then the particular provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions or Conditions of Use.

Information on this website

The information about the products and services contained on this website is general in nature and for information purposes only. If you purchase a product or service through this website, the product or service will be subject to the specific product terms and conditions provided to you as part of the sales process.

Legal Exclusions and Limitations

We take care to ensure that the information contained in this website is accurate and up-to-date. However, unless we agree otherwise with you in writing, we make no representations or warranties about the accuracy, completeness, reliability or suitability for any purpose of the information and related graphics published in this website, which may contain technical inaccuracies and typographical errors.

We aim to ensure that the website operates properly at all times, but the website is provided on an "as is" and "as available" basis, and we do not provide any warranties or guarantees that the website will have any particular levels of availability or functionality.

We offer international private medical health insurance products on behalf of AXA PPP healthcare (plans issued until October 31, 2020) to those residing in Europe. We will refer requests for coverage sought outside Europe to our regional companies and insurers. We do not recommend specific products and we can only offer you the products of the insurer we represent.

Amendments to this website

We reserve the right, at any time and without notice, to revise the contents of this website including these Conditions of Use. Any changes to these Conditions of Use will be posted on this website and by continuing to use this website following any such change, you will signify that you agree to be bound by the revised conditions.

Regulatory and Statutory

Now Health International (UK) Limited is authorized and regulated by the Financial Conduct Authority. Registered address: c/o Irwin Mitchell LLP, Riverside East, 2 Millsands, Sheffield, South Yorkshire, S3 8DT, United Kingdom.  Registered number: 07121668. Registered in England & Wales.

Plans issued by Now Health International Limited (until October 31, 2020), which is regulated by the DFSA, is underwritten by AXA PPP healthcare Limited which is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Plans are only available to those outside the UAE.
Now Health International Limited - Registered Office: PO Box 482055, Dubai, UAE.

Plans issued in Hong Kong are underwritten by AXA General Insurance Limited (until 31 August 2022) and arranged by Now Health International (Asia Pacific) Limited. Registered address: Units 1501-3, 15/F, AIA Tower, 183 Electric Road, North Point, Hong Kong. Insurance Agent Registration Number: 10974559.

Plans issued in Hong Kong are underwritten by Sompo Insurance (Hong Kong) Company Limited (from 01 September 2022) and arranged by Now Health International (Asia Pacific) Limited. Registered address: Units 1501-3, 15/F, AIA Tower, 183 Electric Road, North Point, Hong Kong. Insurance Agent Registration Number: 10974559.

Plans issued in the United Arab Emirates (UAE) are insured by Arabia Insurance Company S.A.L. (registered under UAE Federal Law No (6) of 2007 and regulated by CBUAE) with the Registration No: 20). Registered address: Arabia Insurance, Green Tower, Floor No 8, 9 and 10. P.O. Box 1050 Dubai United Arab Emirates. Plans are administered by Now Health International Gulf Third Party Administrators LLC (regulated by CBUAE with the Registration No: 26). Registered address: 2348 Sky Tower, Al Reem Island, P.O. Box 132168, Abu Dhabi, U.A.E.

Intellectual Property Rights

All copyright, trade and service marks, design rights, database rights, and other intellectual property rights and goodwill in or relating to the contents of the website belong either to us or to our third-party licensors.

Permission is granted to copy electronically and to print in hard copy portions of this website, solely for the purpose of using the site to seek a quotation or buy products and services. Any other use of materials on this website (including reproduction for purposes other than those noted above and alteration, modification, distribution or republication) or framing or linking to this website or any part of without prior written permission is strictly prohibited.

In this website, certain links, including hypertext links, will lead you to Third-Party Sites. These links are provided for your information and convenience and the inclusion of any link does not imply endorsement by us in any way of the Third Party Site. We are not responsible for the content of any Third Party Sites or for the legal consequences of you entering into any contracts with third parties as a result.

Prohibited Use

You must not do any of the following:

  • Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy or intellectual property rights where applicable) of others
  • Publish, post, distribute or disseminate any material which is obscene, indecent or unlawful
  • Conduct or forward surveys, contests, or chain letters
  • Upload files that contain software or other material protected by intellectual property laws (or by rights of confidentiality or privacy of publicity, where applicable) unless you own or otherwise have the right to do so
  • Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another person's computer
  • Upload files which contain an active hypertext link to a third party's website
  • Delete any required author attributions, legal notices or proprietary designations or labels in any file that is uploaded; and falsify the origin or source of software or other material contained in a file that is uploaded.

The Now Health International website is hosted by: 
Portsmouth Office
53 Green St
Portsmouth, NH 03801
Phone: (866) 539-6623

Modern Slavery Act 2015
This statement is made on behalf of Now Health International Europe Limited (“NHIEL”) pursuant to Section 54, part 6 of the Modern Slavery Act 2015 and sets out the steps the Now Health has taken to ensure that Slavery and Human Trafficking is not taking place in our supply chains or in any part of our business.

NHIEL is a wholly-owned subsidiary of Now Health International Holdings Limited. (“NHIHL”) which owns a number of other subsidiaries around the world.

Our approach
As a regulated firm, we always work to the highest professional standards and comply with all laws and regulations applicable to our business. We expect the same high standards from those parties we engage with and we are committed to ensuring that there is no modern slavery or human trafficking in our supply chain.

We work to embed throughout our operations a robust risk management framework to ensure we effectively analyze and manage the risks to our business. This includes analyzing the risk of inadvertently working with any parties who do not share our commitment to anti-slavery and human trafficking.

Due diligence
Other entities that we deal with are expected to comply with all local laws and regulations as detailed in our terms of business agreement. We routinely request information concerning, amongst other things, anti-corruption, anti-money laundering, and insurance protection to enable us to verify their commitment to our corporate values and company policies.

We encourage anyone (including employees, sub-contractors, suppliers, and clients) to report in good faith any issues or concerns about potential violation of human rights, legal or regulatory requirements, and improper or unethical business practices such as fraud or bribery.

We ensure that all employees who have responsibility for procurement within our firm receive appropriate training to identify issues related to slavery and human trafficking and review standard terms with suppliers as a means of ensuring disclosure and compliance.