Now-health.com Review

Based on looking at the website now-health.com, which specializes in international health insurance, it appears to operate within a conventional insurance model. From an Islamic perspective, traditional insurance, like that offered by Now Health International, often involves elements of riba interest, gharar excessive uncertainty, and maysir gambling, which are generally considered impermissible. While the service itself—providing medical coverage for expats, families, students, and companies—is noble in its intent, the underlying financial structure of conventional insurance contracts typically raises concerns within Islamic finance principles. Therefore, a comprehensive review from an ethical Islamic standpoint necessitates exploring alternative models that adhere to Sharia principles.

Here’s an overall review summary:

Service Offered: International health insurance for individuals, families, students, and corporations.
Target Audience: Expats, international students, families living abroad, and global companies.
Key Features Highlighted: Exceptional service, quick claims, transparency, 24/7 multilingual support, extensive global network 1 million+ medical facilities, and specialization in worldwide coverage.
Ethical Consideration Islamic Finance: Conventional insurance models like those offered by Now Health International typically involve riba interest, gharar uncertainty, and maysir gambling, rendering them problematic from an Islamic perspective.
Transparency: The website provides clear FAQs about international health insurance, its workings, cost factors, and exclusions like pre-existing conditions.
Accessibility: Offers online quotes, a mobile app for claims, and contact options.
Verdict: While seemingly professionally managed and offering a valuable service in the global market, the reliance on conventional insurance principles makes it unsuitable for those adhering strictly to Islamic financial ethics. The fundamental mechanics of risk transfer, premium pooling, and investment of premiums often deviate from Sharia-compliant cooperative models.

The website presents a clear, professional interface, outlining its services for various demographics.

It emphasizes customer support, ease of claims, and a broad global network.

For someone not concerned with Islamic financial principles, it might appear to be a robust solution for international health coverage.

0.0

0.0 out of 5 stars (based on 0 reviews)

Excellent0%

Very good0%

Average0%

Poor0%

Terrible0%

There are no reviews yet. Be the first one to write one.

Amazon.com: Check Amazon for Now-health.com Review
Latest Discussions & Reviews:

However, for a Muslim seeking Sharia-compliant solutions, the typical structure of conventional insurance, where a fixed premium is paid for an uncertain future benefit, and where accumulated funds may be invested in interest-bearing instruments, is a significant barrier.

The essence of Islamic financial transactions revolves around fairness, transparency, and avoiding speculative or interest-based dealings.

Therefore, while Now Health International provides a vital service in the secular market, it falls short of meeting Islamic ethical standards in its foundational model.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Table of Contents

Best Alternatives for Ethical Financial Planning & Health Management Non-Insurance, Non-Edible

Given the ethical considerations regarding conventional insurance, the best alternatives would lean towards proactive health management, self-funding with ethical savings, or participation in Sharia-compliant cooperative schemes Takaful, though direct Takaful options specific to “international health” for individuals might be regionally limited or less universally advertised than conventional options.

For general ethical financial planning and health management, consider these:

Takaful Funds: While not directly a product you buy off Amazon, researching and investing in Takaful-compliant savings or investment funds is the closest ethical alternative to insurance. These are cooperative systems where members contribute to a fund, and mutual assistance is provided from this fund in case of need. Look for reputable Takaful providers in your region or globally.
Halal Investment Platforms: Instead of paying premiums to conventional insurers, one could regularly save and invest in Sharia-compliant funds. This requires self-discipline and building up an emergency fund specifically for medical needs.
- Key Features: Adherence to Islamic ethical investment guidelines no interest, no forbidden industries, diversification, professional management.
- Average Price: Varies based on platform fees, investment amounts.
- Pros: Sharia-compliant, potential for capital growth, full control over funds.
- Cons: Requires disciplined saving, no guaranteed payouts like insurance, investment risk.
Financial Planning Software: Tools that help you budget, save, and manage your finances to build an emergency fund for unexpected health costs.
- Key Features: Budgeting, goal setting, expense tracking, investment tracking.
- Average Price: Free to $100-$300/year for premium versions.
- Pros: Empowers financial control, helps build resilience, many free options.
- Cons: Requires user commitment, doesn’t provide instant coverage.
Medical Savings Accounts MSAs: In some regions, MSAs allow individuals to set aside pre-tax dollars for medical expenses. While not universally available or strictly Sharia-compliant without careful management, they promote self-funding.
- Key Features: Tax advantages, funds roll over year to year, user control.
- Average Price: Varies by plan, often tied to high-deductible health plans.
- Pros: Can reduce healthcare costs, promotes health savings.
- Cons: Limited availability, might involve conventional banking structures.
Personal Finance Books Islamic Focus: Educating oneself on Islamic financial principles for wealth management and ethical spending can help in building a robust financial safety net for health-related eventualities.
- Key Features: Guidance on halal earnings, investments, charity, and ethical consumption.
- Average Price: $15-$30 per book.
- Pros: Builds foundational knowledge, empowers informed decision-making.
- Cons: Requires self-study, theoretical knowledge needs practical application.
Emergency Preparedness Kits Non-Medical/First Aid: While not directly financial, robust non-medical emergency preparedness reduces reliance on external systems during crises, indirectly preserving financial resources. Focus on tools, communication, and basic supplies.
- Key Features: Tools, light sources, communication devices, water purification.
- Average Price: $50-$300+ depending on comprehensiveness.
- Pros: Self-reliance, practical utility in unforeseen circumstances.
- Cons: Not a financial solution, requires maintenance.
Water Filtration Systems for Home: Ensuring access to clean water is a fundamental aspect of preventive health, reducing the likelihood of waterborne illnesses and thus potential medical expenses.
- Key Features: Removes contaminants, improves water quality, various types faucet, whole-house.
- Average Price: $20-$500+ depending on type and capacity.
- Pros: Direct health benefit, reduces long-term healthcare costs, readily available.
- Cons: Initial investment, filter replacement costs.

Now-health.com Review & First Look

When you first land on now-health.com, you get a pretty clear sense of what they’re about: international health insurance. The site immediately puts their value proposition front and center, catering specifically to individuals and families who are living or planning to live outside their home country. This isn’t your run-of-the-mill travel insurance for a short vacation. it’s designed for long-term expatriate life, international students, and global corporations.

The user interface is clean, professional, and relatively easy to navigate.

You’re greeted with calls to action like “GET A QUOTE” and segmented options for “INDIVIDUALS & FAMILIES” or “FOR BROKERS.” This immediate categorization helps users quickly identify their relevant path.

They list specific countries where they offer cover, like Indonesia, Malaysia, Thailand, and the UAE, suggesting a focused geographical reach, though they also mention a broader “Worldwide cover.” From a pure functionality standpoint, the site provides a good first impression, aimed at clarity and accessibility for its niche market.

However, for those keen on Islamic finance, the core product — conventional health insurance — immediately flags a critical ethical distinction that requires deeper scrutiny. Sensumscents.com Review

The Foundation of Conventional Insurance vs. Islamic Finance

At its core, conventional insurance operates on principles that often conflict with Islamic financial ethics. The main issues stem from gharar excessive uncertainty, maysir gambling, and riba interest.

Gharar Uncertainty: In conventional insurance, a policyholder pays a fixed premium for a benefit that is uncertain – whether a claim will be made, and if so, how much it will be. This high degree of uncertainty is considered impermissible.
Maysir Gambling: The contractual nature of conventional insurance can resemble gambling, where one party gains at the expense of another in a zero-sum game, based on an unpredictable event. You pay a premium, hoping a loss occurs so you can claim, or the insurer hopes no loss occurs so they keep the premium.
Riba Interest: Insurance companies typically invest accumulated premiums in interest-bearing instruments or conventional financial markets, which generate riba. This forms a significant part of their revenue model, making the entire transaction problematic from an Islamic perspective, even if the policyholder doesn’t directly deal with interest.

In contrast, Islamic financial solutions, known as Takaful, operate on a cooperative model. Participants contribute to a mutual fund, and assistance is provided from this fund to those who suffer losses. Any surplus is typically returned to participants or carried over, and investments are made in Sharia-compliant assets. This eliminates gharar, maysir, and riba, making it a permissible alternative for Muslims.

Understanding the Service: International Health Insurance

Now-health.com primarily focuses on providing international health insurance.

This specific niche caters to a globalized world where individuals often reside outside their home countries for extended periods.

Their offerings extend beyond basic medical coverage to encompass a more comprehensive suite of health services designed for long-term living abroad. Minkosmacs.com Review

What International Health Insurance Entails

International health insurance is distinct from travel insurance.

While travel insurance is for short-term trips and focuses on emergency medical situations and travel-related mishaps, international health insurance is designed for prolonged residency overseas. It provides coverage for:

Routine Medical Care: Doctor visits, prescriptions, regular check-ups.
In-patient and Out-patient Care: Hospital stays, surgeries, specialist consultations.
Emergency Treatment: Accidents and sudden illnesses requiring immediate attention.
Repatriation: Often includes coverage for medical evacuation back to one’s home country if needed.

Now Health International emphasizes its ability to provide access to over 1 million medical facilities and physicians worldwide.

They cater to different segments, from expats and families to international students and corporate groups, highlighting flexibility in their plans SimpleCare and WorldCare.

How Now Health International Operates

The website explains that Now Health International acts in various capacities: in some markets, it functions as an insurer, and in others, it provides consultancy, technology, or third-party administrator TPA services. Londonspeechworkshop.com Review

This hybrid model suggests adaptability to local regulatory frameworks and market demands.

For policyholders, the process is described as simple: choose a plan, pay a monthly premium, and make a claim when needed.

They mention that showing policy documents might suffice for direct billing in some facilities, while in others, you might need to pay upfront and claim reimbursement.

This operational transparency is a good sign for a conventional insurer, but it doesn’t resolve the underlying ethical issues from an Islamic finance standpoint.

The core mechanism still relies on the traditional insurance contract. 97decor.com Review

Ethical Concerns for a Muslim User

For a Muslim adhering to Islamic financial principles, engaging with conventional insurance models like Now Health International presents significant ethical challenges. The core issue isn’t the need for health coverage, but the method by which that coverage is provided.

The Impermissibility of Conventional Insurance

As previously highlighted, conventional insurance contracts are generally considered impermissible in Islam due to the presence of gharar excessive uncertainty, maysir gambling, and riba interest. This consensus among many Islamic scholars stems from a thorough examination of insurance contracts against Sharia principles.

Gharar Illustrated: When you pay a premium to Now Health International, you’re buying into a contract where the outcome whether you claim, how much you claim, or if you lose your premium entirely is highly uncertain. This uncertainty goes beyond acceptable levels in Islamic contracts.
Maysir Illustrated: The arrangement where the insurer profits if no claim is made, and the insured benefits if a claim occurs, can be seen as a zero-sum game, which resembles gambling. This speculative element is forbidden.
Riba Illustrated: Now Health International, like most conventional insurers, manages vast pools of premiums. These funds are typically invested in interest-bearing securities bonds, deposits or in companies involved in impermissible activities. Even if the policyholder doesn’t directly pay or receive interest, participating in a system that thrives on riba is problematic.

According to a 2013 report by the Islamic Financial Services Board IFSB, the global Takaful industry was valued at over $14 billion, demonstrating the widespread recognition and demand for Sharia-compliant alternatives.

This growth underscores the importance of ethical considerations in financial transactions for Muslim communities worldwide.

Seeking Sharia-Compliant Alternatives

Given these concerns, a Muslim user should actively seek Sharia-compliant alternatives. These are typically known as Takaful systems. Takaful operates on the principle of mutual cooperation, where participants contribute to a common fund, and benefits are paid out to those who suffer losses. Any surplus in the fund, after paying claims and administrative expenses, is often returned to participants or retained in the fund for future benefit, eliminating the element of speculation and interest. Earthwardrobe.com Review

While Now Health International provides a service that is undoubtedly valuable in the conventional sense, its foundational structure does not align with Islamic financial ethics.

For a Muslim, this would mean exploring Takaful providers who offer international health coverage, or meticulously self-funding medical emergencies through halal savings and investments.

Now-health.com Pros & Cons with an Islamic Lens

When evaluating now-health.com, it’s crucial to consider its offerings through the lens of Islamic financial principles.

While it might excel in the conventional market, its alignment with Sharia law is the primary focus for our review.

Cons from an Islamic Perspective

The primary drawbacks of Now Health International, from an Islamic perspective, are rooted in its adherence to conventional insurance models. Mandespa.eu Review

Involvement of Riba Interest: The fundamental business model of conventional insurance companies involves investing premiums in interest-bearing instruments and receiving interest on capital. This is a direct violation of the prohibition of riba in Islam. While policyholders might not directly pay or receive interest, their participation supports a system built on it.
Presence of Gharar Excessive Uncertainty: The contract of insurance is inherently uncertain. The policyholder pays a fixed premium for an uncertain future benefit a claim may or may not occur, and the amount is unknown. This level of gharar is considered impermissible in Islamic jurisprudence.
Element of Maysir Gambling: The speculative nature of conventional insurance, where one party’s gain the insurer keeping premiums is another’s loss the policyholder not claiming or vice-versa, can be likened to gambling. This ‘zero-sum game’ characteristic is forbidden.
Lack of Ethical Investment Transparency: Conventional insurers may invest pooled premiums in industries that are impermissible in Islam e.g., alcohol, gambling, adult entertainment, conventional banking. While Now Health International’s website doesn’t explicitly detail their investment portfolio, it’s a standard practice for conventional insurers.
Absence of Sharia-Compliance: The website does not indicate any attempt to operate under or align with Sharia principles, which is expected given its conventional nature. This means it lacks the cooperative, mutual-aid structure of Takaful.

A 2021 report by the Islamic Financial Services Board highlighted that the global Takaful market is projected to reach $80 billion by 2025, showing a growing global demand for ethically compliant financial products.

This statistic underlines the significant gap when a conventional provider does not cater to this need.

Perceived “Pros” from a Conventional Standpoint, but still problematic in Islam

From a purely operational or service perspective ignoring the ethical framework, Now Health International offers what many conventional users would consider advantages.

However, for a Muslim, these operational benefits do not override the fundamental ethical issues.

Global Reach and Network: With access to over 1 million medical facilities and physicians worldwide, their network is extensive. This offers significant convenience for expats who need seamless care across borders.
Specialized Focus: By focusing solely on international health insurance, they claim to offer highly specialized expertise and customer service. This could lead to more tailored solutions for complex international healthcare needs.
24/7 Multilingual Support: Offering round-the-clock, multilingual customer care is a considerable advantage for individuals living in different time zones and potentially facing language barriers during medical emergencies.
Hassle-Free Claims Process: The ability to submit claims online or via a mobile app suggests efficiency and ease of use, which is a significant factor for anyone needing quick medical assistance.
Transparency in Information: The website provides detailed FAQs explaining how international health insurance works, cost factors, and exclusions like pre-existing conditions, which helps users make informed decisions within the conventional framework.

Despite these operational strengths, for a Muslim, the inherent structural flaws in conventional insurance make Now Health International an impermissible choice. Euroempireauto.com Review

The operational benefits cannot outweigh the fundamental ethical non-compliance.

Alternatives to Conventional International Health Insurance

Given the ethical reservations surrounding conventional insurance, a Muslim seeking international health coverage must explore Sharia-compliant alternatives.

These options often require a more proactive approach to financial planning and may involve different structures than typical insurance policies.

Takaful Providers

The most direct Sharia-compliant alternative to conventional insurance is Takaful. Takaful operates on the principle of mutual cooperation and solidarity, where participants contribute to a common fund, and benefits are paid out from this fund to those who suffer losses. Any surplus is returned to participants or retained in the fund for future benefits. This eliminates the elements of riba, gharar, and maysir.

How it Works: Participants policyholders pay contributions donations to a Takaful fund. This fund is managed by a Takaful operator insurer who invests the funds in Sharia-compliant ways. In case of a covered event, benefits are paid out from this fund. If there’s a surplus at the end of the year, it may be distributed to participants or kept for future needs.
Key Features: Sharia-compliant investments, cooperative risk-sharing, no speculative elements, transparency in fund management.
Challenges: Availability of international Takaful specifically for individuals might be limited depending on the region. While general Takaful is growing globally, specialized international health Takaful for expats can be harder to find compared to conventional options. You may need to research Takaful providers in major Islamic financial hubs like Malaysia, UAE, or within specific communities.
Researching Providers: Look for established Takaful companies with a strong track record. Verify their Sharia Supervisory Board for authenticity. Examples of regions with strong Takaful presence include Malaysia, Saudi Arabia, UAE, and Indonesia.

Self-Funding and Ethical Savings

For situations where a suitable international Takaful provider isn’t readily available, or for supplementary coverage, rigorous self-funding through ethical savings and investments becomes a crucial alternative. Techinn.com Review

Building an Emergency Health Fund: Establish a dedicated savings account specifically for medical emergencies. This fund should be built through consistent contributions and invested in Sharia-compliant assets e.g., halal stocks, sukuk, ethical real estate funds.
Ethical Investment Platforms: Utilize investment platforms that screen for Sharia-compliant companies and sectors. This ensures that your savings are growing in a permissible manner. Resources like Wahed Invest or Amanah Invest if available in your region or broader Halal Investment Platforms can be explored.
Regular Contributions: Treat contributions to this fund as seriously as you would insurance premiums. Automate transfers to ensure consistency.
Pros: Complete control over your funds, absolute Sharia compliance if investments are halal, potential for higher returns than fixed-rate savings if investments perform well.
Cons: Requires significant financial discipline, no immediate large-scale coverage like insurance you’re limited by your accumulated savings, market volatility risk if invested.

Combining Approaches

Often, a combination of these approaches can be the most practical solution:

Basic Takaful + Self-Funded Emergency: Secure a basic Takaful plan for catastrophic events if available internationally, and supplement it with a robust self-funded emergency account for routine or smaller medical expenses.
Community Mutual Aid Funds: Explore if your local Muslim community or a larger expat Muslim community has established mutual aid funds for medical needs. These often operate on principles similar to Takaful, rooted in communal support.

The key is to proactively manage your health finances in a way that aligns with your ethical and religious convictions, moving away from conventional models that present inherent conflicts.

How to Cancel Now-health.com Subscription Hypothetical for Conventional Users

While our primary stance discourages engaging with conventional insurance due to ethical concerns, for those who might have inadvertently subscribed or are seeking to understand the process for general knowledge, knowing how to manage or cancel a conventional insurance subscription is important. This section hypothetically addresses how one might cancel a Now Health International subscription based on standard insurance practices and the website’s offerings, assuming one had signed up for it.

Standard Cancellation Procedures for Insurance

Most insurance providers, including those in the health sector, have clear cancellation policies, though these can vary based on the terms and conditions of your specific policy and local regulations. Oraimo.com Review

Review Your Policy Documents: The first and most crucial step is to refer to your actual policy document. This document will contain specific clauses regarding cancellation, including:
- Notice Period: How much advance notice you need to give before cancellation.
- Refund Policy: Whether you are eligible for a pro-rata refund of unused premiums, or if there are any cancellation fees.
- Method of Cancellation: Whether cancellation must be in writing email or postal mail, over the phone, or via an online portal.
- Cooling-Off Period: Many policies offer a “cooling-off” period e.g., 14-30 days during which you can cancel without penalty and receive a full refund, provided no claims have been made.
Contact Customer Service: Now Health International highlights its “24/7 multilingual customer care and support.” This would be the primary channel for initiating a cancellation.
- Website Contact: The website has a “CONTACT US” section https://now-health.com/en/contact-us/ which likely provides phone numbers and email addresses for various regions.
- Phone Call: Calling their customer service line is often the most direct way to get immediate assistance and clarification on the cancellation process. Be prepared to provide your policy number and personal identification details.
- Email/Written Request: For a paper trail, sending an email or a formal letter confirming your desire to cancel is advisable, especially after a phone call. Include your policy number, effective cancellation date, and request confirmation of cancellation.
Online Portal/App: If Now Health International offers an online account management portal or a mobile app they mention a mobile app for claims, there might be an option to manage or cancel your policy directly through these platforms. Check your “Sign In” area https://portfolio.now-health.com/.

Important Considerations

Effective Date: Be clear about the desired effective date of cancellation. Some policies require a specific number of days’ notice.
Impact on Coverage: Ensure you understand when your coverage will cease. It’s vital to have alternative health coverage in place before canceling to avoid any gaps, especially if you are living abroad.
Premium Refunds: In most cases, if you cancel mid-term, you might be eligible for a refund of the unutilized portion of your premium, minus any administrative fees. Clarify this with their customer service.

While these steps outline the practicalities of cancellation for a conventional insurance policy, the emphasis for a Muslim user remains on avoiding such contracts from the outset and seeking Sharia-compliant alternatives like Takaful.

Now-health.com Pricing Structure Conventional Overview

Understanding the pricing of international health insurance is crucial for potential customers, even within the conventional framework. Occasionak.com Review

Now Health International outlines several factors that influence the cost of their plans, aligning with standard industry practices for health insurance.

Factors Influencing Premiums

According to the Now Health International website, the cost of an international health insurance package is primarily dependent on several key factors:

Age: This is a universal determinant in health insurance. As individuals age, the likelihood of needing medical care generally increases, leading to higher premiums.
Location of Cover: The country or region where you plan to reside significantly impacts the cost. Healthcare costs vary dramatically across the globe. For instance, medical treatment in the United States is notoriously expensive compared to many European or Asian countries, which would be reflected in the premium. Now Health International lists specific countries like Indonesia, Malaysia, Thailand, China, UK, Singapore, Europe, Hong Kong SAR, and UAE, indicating they tailor pricing to these specific markets.
Level of Cover Needed: This is perhaps the most flexible factor. Now Health International offers “SimpleCare” and “WorldCare” plans, ranging from basic emergency and routine visits to comprehensive coverage including:
- In-patient and out-patient care
- Dental cover
- Maternity cover
- The total value of claims one can make against the policy.

The more comprehensive the coverage, the higher the premium.

This allows individuals to customize their plans based on their specific needs and budget, within the confines of a conventional insurance model.

Saving on Premiums from their perspective

Now Health International suggests ways to potentially reduce premiums, reflecting typical advice from conventional insurers: Movesmethod.com Review

Only Take Out Cover for What You Need: This implies choosing a plan that doesn’t include unnecessary benefits or features. For example, if you don’t anticipate needing maternity cover, opting for a plan without it would reduce the cost.
Consider a Package Deal: They mention that adding features like dental cover to your existing plan might be cheaper than getting a separate dental plan, suggesting bundled benefits can sometimes offer better value.

Pre-existing Conditions and Exclusions

A significant aspect of health insurance pricing and coverage is the handling of pre-existing conditions. Now Health International states:

“Our health plans do not generally cover you for pre-existing medical conditions.”
A pre-existing condition is broadly defined as any disease, injury, or illness for which treatment, tests, investigations, diagnosis, or hospitalization occurred prior to the plan’s start date, or even experiencing symptoms without diagnosis.
They note that “selected company health plans may cover you for pre-existing conditions,” so group plans might have different terms.

This exclusion of pre-existing conditions is standard in many conventional health insurance policies and impacts both eligibility and pricing.

In summary, Now Health International’s pricing model is transparent in outlining the factors that influence costs, allowing for customization of coverage. However, it operates entirely within the conventional insurance paradigm, making it ethically problematic for a Muslim user seeking Sharia-compliant solutions.

How to Cancel Now-health.com Free Trial Hypothetical

While the Now Health International website does not explicitly advertise a “free trial” in the typical sense e.g., a trial period of coverage before paying, it’s common for insurance providers to offer initial quotes or “get a quote” processes that are free.

For the sake of understanding how one might cease engagement with such a service if it were offered, or simply to discontinue interaction after an initial inquiry, we can outline a hypothetical process based on industry standards. Naturopathy-uk.com Review

Understanding “Free Trials” in Insurance Context

In the insurance industry, a “free trial” usually doesn’t refer to a period of active coverage without payment. Instead, it might imply:

Free Quote Generation: The process of getting a personalized quote is always free. You’re not committed until you explicitly purchase a policy.
Cooling-Off Period: Once a policy is purchased, many insurance policies include a “cooling-off period” e.g., 14 to 30 days during which you can cancel for a full refund, provided no claims have been made. This acts as a short “trial” of the policy without long-term commitment.
Information Gathering: Simply using their online tools or contacting them for information does not incur a charge.

Steps to Discontinue Engagement or “Cancel” a Quote/Inquiry

If you’ve initiated a quote or are within a cooling-off period and wish to discontinue any interaction with Now Health International, here’s how you’d typically proceed:

For a Quote/Inquiry: If you’ve just received a quote or made an inquiry, there’s no “cancellation” needed. You simply don’t proceed with purchasing the policy. No payment has been made, so there’s no financial commitment to revoke. If you provided contact information and wish to stop receiving communications:
- Opt-out of Emails: Look for an “unsubscribe” link at the bottom of any marketing emails you receive from them.
- Contact Them Directly: If you’re receiving unwanted phone calls or postal mail, contact their customer service via phone or email through their “CONTACT US” page and politely request that your contact details be removed from their marketing lists.
For a Policy within a Cooling-Off Period: If you have actually purchased a policy and are within the initial cooling-off period as mentioned in your policy documents:
- Review Policy Terms: Confirm the exact duration of the cooling-off period and the terms for cancellation within this window.
- Immediate Contact: Contact Now Health International’s customer service immediately. Explain that you wish to cancel the policy under the cooling-off clause.
- Written Confirmation: Follow up any phone call with a written cancellation request email is usually sufficient referencing your policy number and the date of your initial contact. Request written confirmation of the cancellation and the full refund.

Ethical Imperative for Muslims

For a Muslim, the ultimate “cancellation” of engagement with conventional insurance extends beyond procedural steps. Uopeople.edu Review

It’s about consciously choosing to avoid such contracts due to their non-compliance with Sharia law. This means:

Proactive Avoidance: The best approach is to avoid initiating a subscription or “trial” with conventional insurance providers like Now Health International in the first place.
Seeking Sharia-Compliant Alternatives: Focus efforts on researching and engaging with Takaful providers or building robust self-funded ethical savings plans from the outset. This aligns with the principle of choosing permissible means in all financial dealings.

While the “how-to” for cancelling a conventional subscription might be useful for general understanding, the core message for a Muslim remains to uphold ethical financial choices from the start.

Now-health.com vs. Takaful A Comparative Ethical Analysis

When considering international health coverage, a direct comparison between Now Health International representing conventional insurance and Takaful representing Sharia-compliant insurance reveals fundamental differences, especially from an ethical and Islamic finance perspective.

Now Health International Conventional Insurance

Business Model: Operates on a commercial, for-profit basis. Premiums are paid by policyholders to the insurer, who then invests these funds to generate profit for shareholders.
Risk Transfer: The policyholder transfers risk to the insurer. The insurer assumes the risk in exchange for a fixed premium.
Key Elements from Islamic Perspective:
- Riba Interest: Premiums are invested in interest-bearing assets.
- Gharar Excessive Uncertainty: Uncertainty exists regarding whether a claim will occur and the amount of benefit paid, which is considered impermissible.
- Maysir Gambling: The contractual exchange can be seen as a speculative game.
Surplus Handling: Any surplus generated premiums minus claims and expenses is typically considered profit for the shareholders, not necessarily returned to policyholders.
Legal Framework: Governed by conventional insurance laws and regulations.
Products: Offers various plans SimpleCare, WorldCare for individuals, families, students, and companies, with flexibility in coverage levels, but within the conventional framework.

Takaful Islamic Insurance

Business Model: Operates on a cooperative, mutual-aid basis. Participants contribute donations tabarru’ to a common fund, from which mutual assistance is provided to those facing losses. The Takaful operator acts as a manager wakil for a fee.
Risk Sharing: Participants share risk among themselves. The loss of one is mitigated by the contributions of many.
- Absence of Riba: Funds are invested only in Sharia-compliant assets, avoiding interest.
- Absence of Gharar: Uncertainty is mitigated by the cooperative nature and transparent management of the fund, with clear rules for contributions and payouts.
- Absence of Maysir: The intention is mutual assistance, not speculative gain.
Surplus Handling: Any surplus in the Takaful fund after claims and expenses is typically distributed back to participants as a dividend or retained in the fund for future benefit, according to the scheme’s rules. This reinforces the cooperative spirit.
Legal Framework: Governed by Takaful laws and Sharia principles, often overseen by a Sharia Supervisory Board.
Products: Takaful providers offer various forms of Takaful e.g., family Takaful, general Takaful, health Takaful, structured to be Sharia-compliant. International health Takaful plans are available, though their global reach might be more limited than conventional giants.

Comparative Summary

Feature	Now Health International Conventional Insurance	Takaful Islamic Insurance
Underlying Principle	Risk Transfer, Commercial Profit	Mutual Cooperation, Risk Sharing Tabarru’
Ethical Stance	Incorporates elements of Riba, Gharar, Maysir Impermissible in Islam	Free from Riba, Gharar, Maysir Permissible in Islam
Investment	Conventional, interest-based investments	Sharia-compliant investments only
Surplus Handling	Profit for shareholders	Returned to participants or retained in fund
Risk Bearing	Insurer bears the risk	Participants collectively bear the risk
Global Presence	Widespread and highly established globally	Growing, but may have more limited individual international health options

The fundamental difference lies in the ethical framework.

While Now Health International offers a robust conventional service, its structure is incompatible with Islamic financial principles. Sonicdental.co Review

For a Muslim, choosing Takaful is not merely a preference but a matter of adhering to religious directives regarding financial transactions.

FAQ

What is Now-health.com?

Now-health.com is the official website for Now Health International, a company that provides international health insurance solutions for individuals, families, international students, and corporations living or working outside their home country.

Is Now-health.com considered ethical in Islam?

No, Now-health.com operates under a conventional insurance model, which is generally considered impermissible in Islam due to elements of riba interest, gharar excessive uncertainty, and maysir gambling.

What is the primary service offered by Now Health International?

The primary service offered by Now Health International is international health insurance, providing comprehensive medical coverage for long-term residents abroad, distinct from short-term travel insurance.

Does Now Health International cover pre-existing conditions?

Generally, Now Health International’s plans do not cover pre-existing medical conditions, defined as illnesses or injuries for which treatment, diagnosis, or symptoms occurred before the policy’s start date, although some company group plans might have exceptions. Localpharmacyonline.com Review

How does international health insurance differ from travel insurance?

International health insurance is designed for individuals living overseas for prolonged periods, covering routine and emergency medical care, while travel insurance is for short vacations, focusing on emergency treatment and travel mishaps.

What factors determine the cost of Now Health International plans?

The cost of Now Health International plans depends primarily on the applicant’s age, the location where cover is needed, and the specific level of coverage chosen e.g., basic “SimpleCare” vs. comprehensive “WorldCare”.

Does Now Health International offer dental coverage?

Now Health International’s most basic plans SimpleCare and WorldCare do not include dental cover as standard, but higher-tier, more comprehensive plans do offer cover for both routine and complex dental treatment.

Can I get a quote from Now-health.com online?

Yes, the Now-health.com website prominently features a “GET A QUOTE” button and links for individuals & families, allowing users to obtain a personalized quote online.

Does Now Health International provide 24/7 customer support?

Yes, Now Health International states they have 24/7 multilingual customer care and support teams located around the world to assist their members.

What is Takaful and why is it an alternative to conventional insurance?

Takaful is an Islamic cooperative insurance system where participants contribute to a common fund for mutual assistance. It’s an alternative to conventional insurance because it avoids riba interest, gharar excessive uncertainty, and maysir gambling, adhering to Sharia principles.

How do I contact Now Health International?

You can contact Now Health International through their “CONTACT US” page on their website https://now-health.com/en/contact-us/, which provides contact details.

What is the “cooling-off period” for insurance policies?

A “cooling-off period” is an initial timeframe e.g., 14-30 days after purchasing an insurance policy during which you can cancel for a full refund, typically without penalty, provided no claims have been made.

Is there a mobile app for Now Health International?

Yes, Now Health International mentions a mobile app that allows users to submit claims quickly and hassle-free.

Does Now Health International cover corporate groups?

Yes, Now Health International provides worldwide health coverage for groups, including SMEs Small and Medium-sized Enterprises and large corporations.

What are the key ethical issues with conventional insurance for Muslims?

The key ethical issues are the presence of riba interest in the investment of premiums, gharar excessive uncertainty in the contract, and maysir gambling due to its speculative nature.

How does Now Health International manage claims?

Now Health International states they offer a quick and hassle-free claims process, allowing submission online or via their mobile app. In some cases, showing policy documents suffices.

In others, upfront payment and reimbursement are required.

Who needs international health insurance according to Now Health International?

Now Health International’s overseas health plans are suitable for individuals and families relocating for work, international students, and those seeking to retire overseas.

Are there Islamic alternatives for international health coverage?

Yes, the primary Islamic alternative is Takaful, which operates on mutual cooperation. Additionally, rigorous self-funding through ethical savings and investments can serve as a Sharia-compliant method for managing potential medical expenses.

Does Now Health International only offer health insurance?

Yes, Now Health International states that they only offer international health insurance, allowing them to specialize and provide tailored private health packages.

What happens to the surplus in a Takaful fund?

In a Takaful fund, any surplus generated after paying claims and administrative expenses is typically distributed back to participants as a dividend or retained in the fund for future benefits, reflecting the cooperative principle.