Welcome to Nasoha Ltd (“we,” “our,” or “us”). These Terms and Conditions govern your use of our website nasoha.com (“Website”) and the insurance services we provide. By using our Website or purchasing our insurance policies, you agree to comply with these Terms and Conditions.
If you do not agree with these terms, please do not use our Website or services.
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
- Regulatory Authority: Regulated by the Financial Conduct Authority (FCA) under registration number 927654.
2. Definitions
- “Policyholder” refers to the individual or entity purchasing an insurance policy.
- “Insured Person” refers to the person covered under the insurance policy.
- “Premium” refers to the amount paid for an insurance policy.
- “Claim” refers to a request for reimbursement under the insurance policy.
- “We/Us/Our” refers to Nasoha Ltd.
3. Scope of Services
We provide a range of medical insurance policies, including:
- Basic Insurance – Essential healthcare coverage.
- Comprehensive Insurance – Extended medical benefits.
- Premium Insurance – Maximum coverage, including private healthcare.
- Travel Insurance – Medical coverage abroad.
- Corporate Health Insurance – Business insurance for employees.
Specific policy details, coverage limits, and exclusions are provided in your Policy Schedule.
4. Eligibility for Insurance
To be eligible for our insurance policies, you must:
- Be at least 18 years old (or have a legal guardian apply on your behalf).
- Be a UK resident (unless applying for an international plan).
- Provide accurate and complete personal and medical information.
Failure to provide accurate information may result in the denial of claims or cancellation of your policy.
5. Payment Terms
- Premiums can be paid monthly or annually as specified in your policy.
- Failure to make payments may result in policy suspension or cancellation.
- Payment details are securely processed through authorized payment providers.
6. Cancellation and Refunds
- You may cancel your policy within 14 days (cooling-off period) for a full refund, provided no claims have been made.
- Cancellations after this period may be subject to administrative fees.
- Refunds are processed within 10 business days after approval.
For cancellations, contact us at [email protected].
7. Claims Process
To submit a claim, you must:
- Notify us within 30 days of the incident.
- Provide all necessary medical reports and invoices.
- Cooperate with our claims team and, if required, attend medical assessments.
Claims are processed within 10-15 business days, subject to verification.
8. Exclusions and Limitations
Our policies do not cover:
- Pre-existing medical conditions (unless stated otherwise in your policy).
- Elective and cosmetic treatments.
- Injuries from illegal activities or self-harm.
- Unapproved treatments by non-registered practitioners.
- Medical expenses due to extreme sports or high-risk activities (unless covered under a special policy).
For full details, refer to your Policy Schedule.
9. Data Protection and Privacy
We handle your personal data in accordance with UK GDPR and the Data Protection Act 2018. For more details, please read our Privacy Policy.
10. Fraud Prevention
We take fraud seriously and work with authorities to detect and prevent fraudulent claims. If fraudulent activity is suspected:
- The policy may be canceled without a refund.
- The case may be reported to the authorities.
- The insured may be permanently blacklisted from future coverage.
11. Use of Our Website
By using our Website, you agree to:
- Use it only for lawful purposes.
- Not engage in unauthorized data collection (scraping, hacking, or similar activities).
- Not impersonate another person or misrepresent your identity.
We reserve the right to suspend or block access to our Website if misuse is detected.
12. Limitation of Liability
- We are not responsible for delays in claim processing caused by missing documentation.
- We do not guarantee uninterrupted availability of our Website.
- Our liability is limited to the amount of the insurance policy coverage.
To the extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from the use of our services.
13. Complaints Procedure
If you have a complaint, you can:
- Email us: [email protected]
- Call us: +44 20 8050 3221
- Write to us: Nasoha Ltd, 83–85 Baker Street, London W1U 6AG,United Kingdom
If we do not resolve your complaint satisfactorily, you may escalate it to the Financial Ombudsman Service (FOS):
- Website: www.financial-ombudsman.org.uk
- Phone: +44 800 023 4567
- Address: Financial Ombudsman Service, Exchange Tower, London, E14 9SR
14. Governing Law and Jurisdiction
These Terms and Conditions are governed by English law. Any disputes will be resolved in the courts of England and Wales.
15. Changes to These Terms
We may update these Terms and Conditions from time to time. Any changes will be posted on this page with the updated “Last Updated” date. Continued use of our services implies acceptance of the revised terms.
16. Contact Us
For any questions regarding these Terms and Conditions, please contact us:
Nasoha Ltd
83–85 Baker Street, London W1U 6AG,United Kingdom
Email: [email protected]
Phone: +44 20 8050 3221