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Mandatory Health Insurance In Qatar Comes Into Effect

Ian Youngman, Author and Publisher of the upcoming INTERNATIONAL HEALTH INSURANCE 2022 and new companion iPMI reports, takes a look at how the new health insurance law in Qatar, may affect insurers.

In Qatar it is perfectly fine to be late for meetings as time is flexible.

Which makes it no surprise that with compulsory health insurance becoming law in May, that a few weeks before, boring details such as the full regulations have still not been published. The law sneaked out at the last minute.

The new law

Despite what you my have read or seen elsewhere, the law has been put into action. True, there may be delays while employers, lawyers, brokers and insurers work out the detail.

6 May 22

Legislation making it compulsory for expatriates and foreign visitors to Qatar to take out health insurance came into force on 6 May 2022.

The basics

Under the new law, Qatar’s law no. 22 of 2021, employers are required to provide basic health care coverage for their employees.

The policy includes coverage for basic services and emergency cases for those under 60 years of age as well as coverage for chronic illnesses.

Bonus for Qatar health insurers

As the insurance is not a central one but where health insurers compete, it is a welcome bonus for health insurers in Qatar. They must be licenced locally as offshore cover is not allowed.

According to the rating agency Standard & Poor's, the new plan is expected to generate a premium ranging from 1 billion QAR (272.62 million USD) and 1.5 billion QAR (408.93 million USD) a year.

If you add in top up cover, the scheme will contribute to around QR1.7bn to QR2.2bn to the health insurance industry.

There will be another bonanza in 2022 with 1.5 million visitors expected to join the scheme to attend the FIFA World Cup Qatar 2022 this year who will be insured, increasing the cash flow and generate additional spending in the insurance sector and other services as well.


The health insurance scheme was introduced in November 2021 by the law number 22 of 2021- regulating the health services in Qatar.

The Ministry of Public Health (MoPH) says that the new health insurance system will reduce waiting times in the government health facilities in the country and provide appointments for medical consultations within a time that meets the health needs of citizens.

Basic healthcare for expats will be provided by new healthcare services, not all of which are built yet.

The Ministry of Public Health

MOPH is the regulator for healthcare and the driving force behind the law.

The new law consists of 6 chapters including 48 articles and it is expected that the MOPH will publish supplementary regulations.

This is still a moving feast and not all MOPH notices are translated or translatable.


Only health insurers health intermediaries and healthcare providers registered in Qatar can offer the compulsory cover.

The IPMI exclusion appears to only apply to visitors, not expats or temporary workers.

Employers who do not cover their workers will be fined.

There is no provision for insurance paid healthcare outside of Qatar.

Those who are not already registered to do business as insurers or brokers in Qatar will take months or years to get registered.

Basic Health Insurance

Expatriates and visitors must have health insurance to acquire basic healthcare services.

Basic Health Insurance cover is required for the issuance of entry permits, residence permits and expatriates employment.

Basic Health Insurance cover is required for the renewal of both entry and residence permits.

Sponsors and employers must cover non-Qatari employees and their families with mandatory health insurance through contracts with registered insurance companies.

Employers and sponsors (the latter is for domestic workers) must pay the insurance fees of the employees and their families, provide them with the Health Insurance card and demonstrate that their workers are covered by the mandatory health insurance.

Visitors shall either buy local health insurance or prove that they have international health insurance valid in Qatar.

Existing IPMI policies

There is no exclusion for expats or temporary workers-or employers- that have IPMI to avoid buying the insurance.

But Visitors shall either pay their health insurance fees or prove that they have an international health insurance that is valid in Qatar.

Top up cover

Health insurers can offer top up cover.

Extra cover

Insurers and employers can offer cover above the basic required.


Insurers can compete on price.


There is no plan to include Qatari citizens.

Target market

Qatar has a population of 2.94 million- this includes 2.11 million expats.

88% of the population are non-Qataris - the highest in the world.

Expats 25% Indian, 12% Bangladeshi, 10% Filipino, 9% Egyptian, 6% Sri Lankan.

The impact

Local insurers predict that 2 million expatriates will have to buy, via their employer, this health insurance.

The country’s health insurance sector will benefit from it and will double the employment in the healthcare industry providing better quality of healthcare services and technologies.

How it fits in

Qatar National Vision 2030 aims at transforming Qatar into an advanced society capable of achieving sustainable development by 2030. This strategy focuses on four important pillars – environmental, human, social and economic. That is why understanding, and implementing a successful healthcare strategy and health insurance program is important. 

The healthcare mandatory scheme is an essential part of achieving Qatar National Vision 2030. Health insurance is part of employee benefits, and this is the best and most effective way that organisations use to retain employees, keep their morale up and satisfied, argues the government.


Qatari citizens receive health care services at the government facilities free of charge.

The State of Qatar provides national health cover for all residents of Qatar by providing them with a National Health (Hamad) Card.

The National Health Insurance Company (NHIC) manages and operates the social health insurance scheme in the State of Qatar. The scheme, which provides universal health insurance for all people in the country, offers its members a choice of providers from across the public and private sectors.

Qatar has a public health service that provides free or highly subsidised healthcare and, generally speaking, it is of an excellent standard


To keep up with the higher demands hospitals and clinics will be investing in expansion and there will be competition to attract more patients and to cope up with high number of visits. There will be better services and more technologies in the healthcare sector, and more profit is expected which will encourage employment for the healthcare providers.

The local insurers

International health insurers will benefit but face competition from a host of local health insurers- many of whom can compete on technology and expertise.

The increased cash flow and operation will end up generating higher profit that will allow companies to expand and increase their staff and be able to invest in technology.

Key locals include:


Doha Insurance Group is a Qatari shareholding company registered an incorporated in the state of Qatar and listed on Qatar Exchange Doha

It offers a range of insurance including local health insurance for companies but not individuals.


National Life and General Insurance Company (NLGIC) is 73% is owned by the state owned Oman International Development and Investment Company. Other shareholders include local pension funds and Oman Investment Fund

NLG is the market leader in health insurance in Oman with individual and group PMI and a claimed 65% market share.

It has ambitions beyond Qatar and has just bought RSA Middle East from Sun Alliance Insurance Overseas- including a local health insurance portfolio.


QLM Life & Medical Insurance Company is a Qatar Public Shareholding Company recently spun off from Qatar Insurance Group

QLM is the largest provider of group medical insurance in Qatar and has been picking up large accounts in 2021.

QLM claims the largest share of the health insurance sector within the local market.


The UAE, Saudi Arabia, Egypt, and Bahrain cut ties with Qatar in June 2017, accusing Doha of supporting terrorism. Qatar denied the accusations. They all made up a few months ago. But this left a legacy where insurers in other Gulf states had either closed their Qatar office or ceased doing business. The making up and new insurance rules means they have not caught up in time to set up local insurers.

The solution may be as one is doing, to partner with a local insurer.

It has been suggested that Qatar timed the new rules so that local health insurers have a starting advantage.

If you are an IPMI insurer licensed for PMI in Qatar this is going to offer massive potential but competition will be fierce.

Existing offshore or onshore PMI or IPMI policies will remain valid until renewal although if they do not cover the basic covers or are by an insurer not authorised in Qatar, the MOPH can question the validity.

All future policies must comply.

There will be a burgeoning and competitive PMI/IPMI market in Qatar.

There are a dozen reputable and sound local insurers, many authorised to write health insurance.

Several global health insurers write PMI/IPMI in Qatar but only a few of these have local offices.

Health insures with local offices include Allianz and Met Life while Fairfax is part-owner of Gulf Insurance Group and Munich Re has shares in Daman.

Some global health insurers may have missed the boat.

About The Author

Ian Youngman is a writer and researcher specialising in insurance. He writes regularly for a variety of magazines, newsletters, and on-line services. He publishes a range of market reports and undertakes research for companies and has London market management experience with brokers and insurers. 

Read Ian's iPMI market reports here.


Allianz Ayudhya Capital PCL (AYUD) Completes Acquisition Of Aetna Health Insurance Thailand 6 May 2022

According to the LinkedIn Allianz Ayudhya Capital PCL (AYUD) page, Allianz Ayudhya Capital PCL (AYUD) has completed the acquisition of Aetna Health Insurance Thailand  on 6 May 2022.
According to the social media post, Allianz Ayudhya says, "By joining forces together, our customers will benefit from our shared expertise in providing a customer-first approach to health insurance and health services. Together, we will further advance our combined mission to help the residents of Thailand on their paths to better health.
At this time, we want to reassure our customers that there is no change to any terms, conditions or benefits of their policy. All our claims processing and other services remain the same.
Over the next year, we will be working on the longer-term operational set-up with a focus on a smooth transition for our customers.
We are excited for the new opportunities this acquisition brings, and look forward to serving your health needs for many years to come."

Related Reading: Merger Madness? The Beginning Of The End For The International Private Medical Insurance (IPMI) Market

Sanlam And Allianz Join Forces To Create African Insurance Giant

While you were sleeping, rivals scored an open goal that the global insurance media seems to have not grasped the significance of. 

In this article Ian Youngman, Author and Publisher of the upcoming INTERNATIONAL HEALTH INSURANCE 2022 plus the new companion IPMI market reports, takes a look at the new Sanlam and Allianz deal.


  • Sanlam, the largest non-banking financial services company in Africa, and German insurance giant Allianz have agreed to combine their current and future operations across Africa to create the largest pan-African non-banking financial services entity on the continent.
  • The joint venture will house the business units of both Sanlam and Allianz in the African countries where one or both companies have a presence.
  • Namibia will be included at a later stage and South Africa is excluded from the agreement. 
  • The combined operations of Sanlam and Allianz will create a premier Pan-African non-banking financial services entity, operating in 29 countries across the continent.
  • The joint venture will be the largest Pan-African insurance player and will be ranked in the top three in the majority of the markets where the entity will operate.
  • Sanlam and Allianz will leverage each other’s strengths to unlock synergies and provide customers with innovative insurance solutions and technical excellence.
  • The joint venture will create value for all stakeholders through greater economies of scale, broader geographic presence, larger combined market share, and a more diversified product offering.
  • Combining Sanlam’s expertise in Africa with Allianz’s global capabilities and insurance solutions, particularly for multinational businesses, the partnership aims to increase life and general insurance penetration, accelerate product innovation and drive financial inclusion in high-growth African markets.
  • In line with Sanlam’s stated ambition to be a leading Pan-African financial services group, the proposed joint venture will enable Sanlam to take a significant step towards realising that ambition. It will also strengthen the leadership position in multiple key markets that are core to the Africa strategy, building quality and scale where it matters.
  • Allianz seeks to accelerate its growth in this important region through a partnership with the undisputed market leader. Sanlam’s capabilities extend Allianz local reach and market penetration, and the joint venture allows it to establish leading positions in key growth markets for Allianz.
  • The chairmanship of the joint venture partnership will rotate every two years between Sanlam and Allianz.
  • The CEO of the entity- and its name - will be named in due course.
  • The agreement is subject to the receipt of required approvals from competition authorities, financial/insurance regulatory authorities and any customary conditions that Sanlam and/or Allianz would be required to fulfil for each jurisdiction.

Sanlam is a pan-African financial services group listed on the Johannesburg, Namibian and A2X stock exchanges. Headquartered in South Africa, Sanlam has a direct stake in financial services entities in:

  • Botswana
  • Kenya
  • Malawi
  • Mauritius
  • Mozambique
  • Namibia
  • Nigeria
  • Rwanda
  • Swaziland
  • Tanzania
  • Uganda
  • Zambia,
  • Zimbabwe

Sanlam also has a footprint of insurance operations in:

  • Algeria
  • Angola
  • Benin
  • Burkina Faso
  • Burundi
  • Cameroon
  • Congo
  • Cote D’Ivoire
  • Gabon
  • Ghana
  • Guinea
  • Lesotho
  • Madagascar
  • Mali
  • Morocco
  • Niger
  • Senegal
  • Togo
  • Tunisia

The Allianz Group has 126 million private and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services including health insurance.



  • This is an on-going process that has not been completed so how it fits into the framework now and in the future is unclear.
  • Allianz bought 66% of Jubilee Insurance of Uganda.
  • Alliianz bought short-term general insurance business operations of Jubilee Holdings in Kenya, Tanzania, Burundi and Mauritius.
  • Allianz has partnership across Africa with Jubilee excluding PMI and IPMI for the time being as Jubilee partners with Bupa.
  • The partnership has plans to enter other countries for health insurance but has been blocked by the state in Ethiopia.



  • The key PMI/IPMI potential is across Africa but it has not yet worked a coherent brand or strategy for PMI or IPMI.
  • Sanlam has no specific IPMI products BUT writes PMI in some African countries.
  • Sanlam Pan Africa partners with Aetna International to offer Global Health an IPMI health insurance across 20 African countries.
  • With Allianz taking over the IPMI business of CVS/Aetna this will neatly morph into an Allianz partners-Sanlam deal.
  • Following the takeover of Saham, Sanlam had PMI in a few countries with plans to offer it in many more.



  • The Aetna deal gives it the Sanlam IPMI business in 20 countries.
  • Prior to that deal Allianz has partnerships with 4 local insurers on health insurance and micro health insurance.
  • Allianz also writes local PMI in 6 other African countries, and in some countries offers health cash and micro health.
  • Allianz Care writes IPMI in partnership with local companies in 3 African countries.



  • The combination of the Aetna, Jubilee and Sanlam deals rockets Allianz from a health insurance dabbler in Africa to a substantial PMI and IPMI player now.
  • With the rise of the African middle class and wealth from mining and oil, the potential in Africa is what it was in the Middle East a decade ago.
  • While the Gulf/Middle East potential is capped by the limits to the population numbers, the rise of local insurers, and political risks- the potential for PMI and IPMI – plus micro health and health cash across Africa is many times that.
  • The cleverest thing Allianz has done is to work with local African insurers who understand the local politics in each country and how to navigate the tortuous insurance and other regulatory perils.
  • If I was a rival global IPMI player I would be looking to partner with local pan-African insurer Municipal Mutual that has PMI in several countries but not IPMI- my fear would be Allianz getting there first.
  • The other big rivals with massive African expansion plans for their Vitality IPMI product is Discovery, and the Cigna Global partnership with African group Hollard.
  • Bupa’s African IPMI presence is courtesy of Jubilee which following the latter deal with Allianz now looks vulnerable as even the Generali deal gives it nothing in Africa.
  • The AXA African IPMI presence is limited and often dependent on regional broker deals.
  • The wild card is African bank owned Liberty Health (No connection to Liberty Mutual) which at one stage was for sale but recently became a full bank subsidiary. It has PMI and IPMI presence in quite a few African countries but has been a sleeping giant and could be a good partner for a global IPMI player.
  • Other than a few local insurers there is not the mass number of PMI and potential IPMI players as there was in the Middle East.
  • UnitedHealthcare Global is big in 30 African countries in healthcare services but not insurance so could the parent move the focus away from LatAm to Africa?
  • The big Chinese insurers - as Africa moves closer to China than the USA or Europe - and as Russia is otherwise engaged- could move their brand of insurance plus healthcare plus tech plus banking to Africa.
  • There may be others seeing the massive potential that I have banged on about for years without anyone seeming to listen until recently.
  • But for now Allianz has played a blinder and the rest will have to play catch up.

Read more iPMI Market intelligence in Ian's reports, click here.


New Broker Technology Platform Launches For International Private Medical Insurance (iPMI) Market

First time intermediaries and brokers can compare iPMI products for both features and pricing.

The digital Health Compass ( platform has launched today, providing intermediaries fully licensed access to the international private medical insurance (IPMI) market and the ability to match product selection more precisely with their clients cover requirements and budgets. 

The platform caters for brokers with individual clients requiring IPMI cover. The unique benefit scoring feature allows a broker to immediately compare different products and their benefits when making client recommendations. Brokers also receive an on-screen price indication for each policy being considered and can access the Health Compass ‘Solution Radar’ that maps each product according to price vs benefit.

The system enables an intermediary to go from client enquiry to sending a proposal form in less than five minutes.

David Eline, founder says, “Health Compass is a game changer for brokers as it cuts through the complexity and reduces transaction times for IPMI business. As a broker with many years’ experience in the IPMI industry myself, I know that intermediaries will find the platform to be hugely beneficial.”

David continues, “The system not only cuts transaction times compared to dealing directly with an insurer or MGA but also response times from underwriters once the application is submitted.

“The system can be used by established IPMI brokers and non-specialist intermediaries with a small number of clients needing IPMI cover each year.”

Health Compass has access to 80% of the IPMI market products, creating the potential to quickly build an IPMI book. Ownership of customers added to Health Compass remain firmly with the intermediary.

David Eline explains, “Health Compass is not an intermediary or a broker and it does not operate on a price aggregation model. The platform is an electronic master broker providing access to the IPMI market for the wider intermediary community. It does not compete with brokers or insurers but acts as an enabler and communication tool.”

The platform offers intermediaries the ability to access Health Compass’ regulatory umbrella. It is fully licensed in Europe and authorised to operate in the UK by the Financial Conduct Authority. UK intermediaries can support clients across Europe and European brokers can access the UK market, regulated brokers in the US or in the Middle East can place business in Europe/UK and UK/European brokers can place business in offshore territories.

The technology allows intermediaries to interact in two phases.

The first is to access the platform through the Health Compass website and once connected it will provide work flow capabilities through to submission of proposal to the insurer.

The second phase sees Health Compass offer API’s to enable brokers to embed all the benefits of Health Compass within their own website so that customers can interact directly with the platform to complete the selection and submission process.

David Eline concludes, “With a skill shortage in the sector Health Compass is well placed to assist intermediaries to expand their business in this market or to easily take a step into it for the first time. We are excited to be working with brokers around the world including the UK who we know will find the system of benefit to their business.”

Brokers and intermediaries interested to know more or who would like to arrange a demonstration visit here.


New Frontier Group Celebrates 20th Anniversary

New Frontier Group (NFG), a leading cost management organization focused on enhancing global healthcare, is celebrating its 20th anniversary. 

April 2022 reflects New Frontier Group's long-standing commitment to the transformation of global cost management.

"We are excited to mark our 20th anniversary and celebrate progress alongside our clients," stated Gitte Bach, CEO. "Throughout our 20 years, we have focused on rapidly changing technology and partnerships that lowered healthcare costs for clients. The past 2 years were unpredictable, but we stayed committed to being an anchor in our industry by setting the bar high with our solutions."

New Frontier Group has built expansive global pricing databases for optimal outcomes, pricing consistency, and transparency during its tenure as an organization. The pandemic brought decreased international travel, but an increased need for innovation in cost management. The most recent product launched by NFG during the pandemic, NFG Telecare,addressed a much-needed gap in the global market.

Randall Condie COO, stated "Within our 20-year history, urgent care was seen as cost containment, but we saw an opportunity to offer global telecare to further reduce costs.  We are already starting to see most non-life-threatening visits done in a digital setting. We realize that telecare is not just a trend, but a healthcare option that is expanding and will continue to do so for many years to come."

Jules Christian, Strategic Project Lead, added, "Looking to the future, we remain committed to consistently reviewing, innovating, and launching digital solutions that fit the needs of our global clients."

AM Best Places Credit Ratings of Aetna Insurance Company Limited Under Review Following Asset Purchase Agreement Announcement

AM Best has placed under review with developing implications the Financial Strength Rating of A- (Excellent) and the Long-Term Issuer Credit Rating of “a-” (Excellent) of Aetna Insurance Company Limited (AICL) (UK).

These Credit Rating (rating) actions follow the announcement made by Aetna International on 25 March 2022, of an Asset Purchase Agreement with AWP Health & Life S.A. Under the terms of the agreement, AICL will introduce its existing customers to AWP Health & Life S.A. at renewal.

The ratings will remain under review with developing implications until the completion of certain legal processes in relevant jurisdictions. In addition, AM Best will perform assessment of AICL’s planned capital position as the business is being transitioned, as well as the level of committed support from the Aetna organisation.

Tuman Global Solutions Enters International Education Market With 2 Innovative Insurance Offerings

Tuman Global Solutions, a division of Trawick International, has announced the launch of two unique insurance products for the international education sector: Global Tuition Insurance, a first-of-its-kind plan that covers school tuition through graduation for students who have lost a parent; and Global Educators Health Plan, a technology-driven, customizable health plan for school faculty and administrators.

Global Tuition Insurance is an industry-first tuition coverage plan developed and offered exclusively by Tuman Global Solutions. It continues to pay school tuition fees for students who have lost a parent, all the way through graduation. A group plan is available to all international schools operating outside the United States: primary schools, secondary schools, colleges, and universities.

Global Educators Health Plan is a customizable benefits package for international school faculty and administrators and their families. The technology-driven plan simplifies the enrollment process with a proprietary administration platform. Additionally, it provides members with a transactional Mastercard® to pay providers outside the United States, regardless of network affiliation. Within the United States, members have access to the Aetna preferred provider network.

Dan Tuman, Chief Executive Officer, Tuman Global Solutions, commented, “Having assisted the international school market for the past 20 years, I am thrilled to be able to offer these two unique insurance products through Tuman Global Solutions. Schools around the world will find these products have immense potential to be attractive components of their school’s marketing portfolio to both potential faculty and parents of prospective students.”

Tuman Global Solutions is an international brokerage focused on providing innovative solutions for organizations and individuals working and living outside of their home country. Founded in 2021 by Dan Tuman and Daryl Trawick, Tuman Global Solutions is a part of the Trawick International family of companies operating worldwide. For more information, visit


Anxiety Most Prevalent Mental Health Challenge For Expatriates

Research* commissioned by AXA Global Healthcare has revealed that anxiety is the number one challenge facing expats in some of the world’s key destinations, ranking higher than depression and stress.   

Anxiety has been described as the biggest health and wellbeing concern by a third of expats in the UK (32%), approximately one in four of those in Scandinavia (27%), France (24%) and Dubai (23%), and one in five of those residing in Hong Kong (22%) and Canada (18%).   

Anxiety was followed by depression as the next biggest challenge reported by those expats in the UK (13%), Canada (12%), Scandinavia (12%) and France (9%), whereas pregnancy and early-stage parenthood in Dubai (12%) was the second biggest issue expats faced.  

By comparison, chronic conditions such as diabetes were described as a challenge by 15% of expats in Hong Kong, 9% in Canada and the UK, 7% in France, 6% in Scandinavia and just 5% in Dubai.  

Caroline Walmsley, Chief People Officer at AXA - Global Healthcare, commented: “As concerning as it might be, it’s perhaps unsurprising that anxiety seems to be the greatest challenge for expats. When we consider the circumstances they face – far from home, in a new environment and potentially even contending with a different language all in the confines of a global pandemic – it’s easy to see why they might be suffering with anxiety. There are small actions that we can all take every day to improve our mental wellbeing. However, it’s just as important to be able to recognise when it’s time to seek help.”  

In terms of taking steps to manage their general mental and physical wellbeing, using professional healthcare services seemed to be the most popular port of call for a third (33%) of expats in Canada, a quarter in France (24%) and nearly one-in-five of those in Scandinavia and Hong Kong (17%). Expats in the UK, however, relied most heavily on their relationships (17%) and those in Dubai on mindfulness (12%).   

In all six locations, practices such as exercise, nutrition and therapy were also highlighted as ways to manage mental and physical health. Exercise was a support mechanism for 9% of those in Dubai, 6% in France, Hong Kong and Scandinavia, 5% in the UK and 4% in Canada. Meanwhile, 6% of those in France and Hong Kong, 5% in the UK, 4% in Dubai and Scandinavia and 3% in Canada turned to nutrition.  

Caroline Walmsley concluded: “While it’s reassuring that large numbers of expats feel comfortable contacting their healthcare provider, we would hope to see those quick wins like eating well and exercising regularly to have been more popular. We know that keeping active and good nutrition are of huge importance, so we would highly recommend that expats do what they can to take care of the basics in this way. However, we’ve also seen that mindfulness is a popular coping strategy for expats in some locations and virtual tools, such as AXA’s own Mind Health service, are now providing this kind of support remotely.”  

To compile this social listening report, AXA commissioned Listen + Learn to observe thousands of social media comments, shared by expats in six key locations during discussions about health and wellbeing. The main findings were based on 15 key online domains, with the conversation proving to be most concentrated on Twitter and Reddit.  


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