Website terms and conditions of use

Sukoon Insurance PJSC (“Sukoon”), a company incorporated in in accordance with the laws of the United Arab Emirates of P.O. Box 5209, Dubai, United Arab Emirates. Sukoon Insurance PJSC, Paid up Capital AED 461,872,125, C.L. No. 203970, Regulated by the Central Bank of the UAE No. 9 dated 24/12/1984, TRN 100258594900003 (“Sukoon”) provides a quote service for Sukoon international private medical insurance products at the website located at (the “Website”).

By accessing this Website, you are agreeing to be bound by these terms and conditions and all applicable laws and regulations, which you hereby represent and warrant to have read, understood and to be in agreement with in full (the “Terms”). 

If you do not agree to these Terms (or any updates to them), please do not use the Website and exit immediately. We recommend you print a copy of these Terms for your future reference.

These Terms may be updated from time to time by Sukoon. By continuing to use the Website after these Terms have been updated, you acknowledge that you have read and understood the updated Terms and agree to be bound by them.

1. Use of the Website

Without limiting the foregoing, you must not use the Website in any way which: (a) disrupts or attempts to disrupt the Website or any of its services; (b) breaks or circumvents or attempts to break or circumvent the security of the Website or gain unauthorised access to any data; (c) sends any unsolicited commercial electronic message; (d) knowingly introduces viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful; (e) modifies, adapts or reverse engineers any element of the Website; or (f) publishes or sends any message which is obscene, offensive, defamatory, threatening or otherwise illegal.

In providing information to us, you confirm that all data you give us is accurate. If you provide any information that is untrue, inaccurate, out-of-date or incomplete, or if Sukoon has reasonable grounds to suspect that such information is untrue, inaccurate, out-of-date or incomplete, it may result in any underlying transaction including any quotation/insurance policy (if issued) being declared null and void at the complete discretion of Sukoon and it may also result in legal action. We have the right to cancel, de-activate or suspend your access to the Website at any time without prior notice where you contravene these Terms.

2. Disclaimer

The materials on Sukoon’s web site are provided "as is". Sukoon makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Sukoon does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Any product or service description on the Website is not intended to constitute offers to sell or solicitations in connection with such products or services. Sukoon does not represent or warrant that all of its products or services shall be available at all of its offices, at all times.

Whilst Sukoon endeavours to ensure that the Website is normally available 24 hours a day, Sukoon shall not be liable if for any reason the Website is unavailable at any time. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair, or for reasons beyond Sukoon's control. Sukoon does not assume any liability for timely, trouble-free and uninterrupted access to the internet.

Sukoon reserves the right to modify, discontinue or substitute features of the Website or to suspend or discontinue the Website at any time without notice and without liability to you.

3. Contents of the Website

This Website is made available free of charge.  The Website and its entire contents are provided on an "as is" basis. Sukoon and its officers, employees, agents and contractors give or make no representation, guarantee or warranty (either express or implied) as to the suitability of the Website or its contents for any purpose or the completeness, accuracy, reliability, security or availability of the Website or its contents; nor do they accept any responsibility arising in any way (including from negligence) for errors in, or omissions from, the Website.

Sukoon assumes no responsibility and accepts no liability for the condition or content of third party websites which may be linked to or accessed from the Website. Except as Sukoon may specifically state otherwise, Sukoon does not authorise the content of those third party websites.

All prices, which are stated in any quotations are indicative and subject to change, and do not, and are not intended to, constitute either an offer to buy or sell nor a representation that a purchase or sale can be effected at that price.  In the event of any conflict in the premium amount (whether displayed or paid) through the Website and the actual premium amount required by Sukoon for issuance or renewal of your insurance policy, the actual premium amount as required by Sukoon for issuance or renewal of your insurance policy shall at all times supersede and prevail. 

You hereby acknowledge that you have not relied and will not rely upon any representation of fact or opinion contained in the Website in relation to any current or future agreement you have, or will have with Sukoon or any third party.

The receipt of any enquiry/request for quotation does not create any obligation upon Sukoon to underwrite the risk. Sukoon will not be liable until it has underwritten the risk and specifically issued the insurance policy/verified and completed the underlying transaction. Sukoon retains the right to decline, reject, suspend, put on hold or request more clarification/information on any requests for quotation/ proposal/transaction request submitted through the Website. You understand that the quoted amounts may increase or decrease and terms and conditions may be amended/supplemented on the basis of an underwriting risk assessment done by Sukoon. The availability of any information, advice and guidance, if any, on the Website, does not constitute a recommendation or representation by Sukoon to buy any insurance policy. Any decision to purchase an insurance policy will and should be based solely on your own evaluation of your requirements and the terms, conditions and exclusions of the policy offered by Sukoon.

Sukoon's own records of the enquiries/transactions maintained through its own/its service provider’s computer systems or otherwise shall be accepted as conclusive and binding for all purposes. More particularly, the record of Sukoon generated by the underlying requests/transactions, including the recording of the time of the underlying request/transactions shall be conclusive proof of the genuineness and accuracy of the underlying request/transactions.

By providing any personal information through this Website, you ensure that you are duly authorised by relevant persons to provide such personal information to Sukoon.

You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

4. Viruses

Sukoon will endeavour to keep the Website secure and free from any viruses or bugs but cannot guarantee this.  You must assist in maintaining the security of your information by protecting all usernames and passwords and having adequate anti-virus software and firewalls installed on your computers.

You are responsible for configuring your information technology, computer programmes and platform to access our site.

5. Intellectual Property Rights

This website is protected by copyright and may not be reproduced. It is not to be otherwise reproduced or transmitted or made available on a network without the prior written consent of Sukoon. All other rights reserved.

Except for the purpose of viewing, printing, accessing or interacting with the Website for your own use, you must not copy, modify, adapt, communicate, publish, distribute or store any of the contents of the Website without Sukoon's consent.

The Website also includes registered and unregistered trade marks, which are owned by Sukoon, Bupa Insurance Services Limited and other third parties. Your access to or use of this Website does not constitute or create a licence or any other right to use the name, trade marks, trade dress, copyright or any other intellectual property of Sukoon or any other party whose intellectual property appears on the Website.

6. Limitation of Liability

Sukoon and its officers, employees, agents and contractors are not liable for any loss, damage, claim, expense, cost (including legal costs) or liability arising directly or indirectly from your use or inability to use the Website, or your reliance upon the information contained on the Website (whether arising from Sukoon’s or any other person's negligence or otherwise). 

We exclude all implied conditions, warranties, representations or other terms that may apply to the Website or any content on it.

7. Indemnity

You agree to indemnify and keep indemnified Sukoon and its officers, employees, agents and contractors (those indemnified) in respect of any claim, liability, loss, damage, costs (including legal costs) or expenses which those indemnified may suffer or incur as a direct or indirect result of your breach of these Terms or your intentional or negligent acts or omissions in connection with the Website.

8. Conditions of our Website

These Terms are in addition to the rules of use of our general website which can be found here: ("Website Conditions"). If you access our websites or this service (other than to read these Terms for the first time), you agree to the Website Conditions. We reserve the right to change the Website Conditions at any time by posting changes online. You are responsible for informing yourself of any changes by regularly reviewing these pages. If you access the site after changes are posted, you are taken to have accepted all changes.

If there is an inconsistency between these Terms, Website Conditions or our Privacy Policy then the following ranking applies in respect of resolving any inconsistency:

  • Privacy Policy;
  • the Website Conditions and
  • these Terms

9. Governing Law

These conditions of use including any claim relating to Sukoon’s Website shall be governed by and construed in accordance with the law of the United Arab Emirates (UAE). Disputes arising in connection with the conditions of use shall be subject to the exclusive jurisdiction of the Dubai UAE Courts (other than DIFC Courts).