Key Facts Document

Nasoha Ltd – Medical Insurance Policies

This document provides an overview of the key features, benefits, and exclusions of our medical insurance policies. It is designed to help you understand the main terms and conditions before purchasing a policy. Please read this document carefully. Full details can be found in your Policy Schedule and Terms & Conditions.

1. Who We Are

  • Company Name: Nasoha Ltd
  • Registered Address: 83–85 Baker Street, London W1U 6AG,United Kingdom
  • Email: [email protected]
  • Phone: +44 20 8050 3221
  • Regulator: Financial Conduct Authority (FCA) – Registration No. 927654

Nasoha Ltd is authorized and regulated by the FCA to provide medical insurance in the UK.

2. Types of Cover Available

We offer different levels of medical insurance:

Policy Type Coverage Ideal for
Basic Insurance Covers essential medical care, GP visits, hospital admissions, and emergency care. Individuals who need core medical coverage.
Comprehensive Insurance Includes basic coverage plus specialist care, physiotherapy, and mental health support. Those who need additional medical support.
Premium Insurance Includes comprehensive coverage plus dental, alternative medicine, and private healthcare. Individuals who prefer access to premium services.
Travel Insurance Covers medical expenses abroad, emergency repatriation, and hospital stays. Travelers requiring international medical coverage.
Corporate Health Insurance Provides health coverage for employees, including check-ups and wellness programs. Businesses looking to support employee well-being.

Your policy schedule will specify which policy you have purchased and any additional options you have selected.

3. What Is Covered?

Your insurance policy may cover:

  • GP Visits – Consultations with general practitioners.
  • Hospital Admissions – Treatment and surgeries in NHS or private hospitals (depending on your plan).
  • Emergency Medical Care – Urgent treatments and ambulance services.
  • Medications – Reimbursement for prescribed medicines.
  • Specialist Care – Consultations and treatments by medical specialists.
  • Mental Health Support – Therapy and counseling for psychological well-being.
  • Physiotherapy – Treatment for mobility and rehabilitation.
  • Dental Treatment (Premium only) – Routine and emergency dental care.
  • Alternative Medicine (Premium only) – Acupuncture, chiropractic care, and other therapies.
  • Medical Cover Abroad (Travel insurance only) – Emergency care while traveling.

Check your Policy Schedule for full details of your coverage.

4. What Is Not Covered?

Your insurance policy does not cover:

  • Pre-existing medical conditions (unless declared and accepted).
  • Cosmetic or elective treatments.
  • Injuries from high-risk sports (unless covered under a specialist plan).
  • Experimental or unapproved medical treatments.
  • Medical care for self-inflicted injuries or substance abuse.
  • Non-prescribed medication or over-the-counter treatments.
  • Pregnancy and maternity care (unless specifically included in your plan).

Some policies may include waiting periods for specific treatments. Full exclusions are detailed in your Policy Schedule.

5. Policy Costs and Payments

  • Premiums: The amount you pay for your policy depends on your coverage level, age, medical history, and selected options.
  • Payment Methods: You can pay monthly or annually via direct debit or bank transfer.
  • Excess (Deductible): You may need to pay an excess amount before we cover your claim.

For full details on premiums and excess, please refer to your Policy Schedule.

6. How to Make a Claim

Step 1: Notify Us

  • Call our claims department at +44 20 7946 5678 or email [email protected].
  • Provide details of your policy number, medical condition, and treatment received.

Step 2: Submit Documents

  • Medical reports, hospital invoices, and receipts must be provided.
  • For specialist treatments, a referral from a GP may be required.

Step 3: Claim Processing

  • Claims are reviewed within 10-15 business days.
  • If approved, we will reimburse costs directly to you or the healthcare provider.

Failure to submit all required documents may delay your claim.

7. Cancellation and Refunds

  • Cooling-Off Period: You can cancel your policy within 14 days of purchase for a full refund, provided no claims have been made.
  • After 14 Days: You can cancel at any time, but a cancellation fee may apply, and partial refunds depend on the duration of coverage used.

To cancel, contact [email protected].

8. Complaints Procedure

If you are unhappy with our service, you can:

  • Email: [email protected]
  • Phone: +44 20 7946 1234
  • Write to: Nasoha Ltd, Complaints Department, 35 Bedford Square, London, WC1B 3ES

If we do not resolve your complaint within 8 weeks, you can contact the Financial Ombudsman Service (FOS):

  • Website: www.financial-ombudsman.org.uk
  • Phone: 0800 023 4567 (UK) / +44 20 7964 0500 (outside UK)
  • Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR

9. Data Protection and Privacy

We handle your personal data in compliance with UK GDPR and the Data Protection Act 2018. We will never sell your personal information.

For full details, read our Privacy Policy.

10. Regulatory Information

  • Regulator: Financial Conduct Authority (FCA)
  • Registration Number: 927654
  • Financial Services Compensation Scheme (FSCS): Eligible policyholders may be compensated under FSCS if we are unable to meet our financial obligations.

For more information, visit www.fca.org.uk or www.fscs.org.uk.

11. Governing Law

These policies are governed by English law. Any disputes will be handled in the courts of England and Wales.

12. Contact Us

For any questions about your policy, please contact us:

Nasoha Ltd
83–85 Baker Street, London W1U 6AG,United Kingdom
Email: [email protected]
Phone: +44 20 8050 3221

This Key Facts Document provides an overview of our medical insurance policies. It does not contain the full terms and conditions of your policy. For complete details, please refer to your Policy Schedule and Terms & Conditions.