Middle East Mapping

Part

of 34

Part

United Arab Emirates - Regulatory Boundaries

Three potential regulatory barriers which could influence Fitbit’s ability to succeed in the United Arab Emirates market include the need for Fitbit to have an agent or a distributor in order to operate in the UAE, a law which states that citizens traveling to and from UAE might have problems using Fitbit as their data collected in the UAE will not be able to be transferred outside the country, and an impending GDPR-like law which means the company might have to implement stricter policies regarding how it uses and shares data for consumers who are living and visiting the UAE.
United Arab Emirates Regulatory Boundaries1. Having A Sponsor, An Agent or A DistributorIn order to conduct business in the whole of UAE, which includes all territories outside one of the free zones, any foreign business has to have a UAE national sponsor. The ownership of the business can be up to 49% in the hands of the foreign business "unless its business can be found on the UAE Government positive sectors list where up to 100% foreign ownership is allowed." 
 The main objective of this law is to provide motivation to large global corporations to invest in UAE, specifically when it comes to the fields of innovation, technology, space, renewable energy, and artificial intelligence. 
In order to be able to sell products or services in the UAE, the foreign corporation needs to have an agent or a distributor for all industries except food products. According to UAE law, "terminating a non-performing agent, or a distributor, is extremely difficult" and can severely damage the expansion or the success of the foreign business in the UAE. 
For Fitbit, this means that the company will need to find an agent or a distributor in order to operate in the UAE.
2. Data Sharing Prohibition (Data Localization)Fitbit is an American company that manufactures "activity trackers, wireless-enabled wearable technology devices that measure data such as the number of steps walked, heart rate, quality of sleep, steps climbed, and other personal metrics involved in fitness."
In May 2019, the United Arab Emirates (UAE) federal government issued Federal Law No. 2 of 2019 regarding the Use of Information and Communication Technology (ICT) in Health Fields (ICT Health Law). The law is set up to regulate the "optimal use of ICT in health fields" and to "ensure safety and security of health data and information."
The law is specifically focused on all entities in the UAE providing "medical services, health insurance or national health insurance services, brokerage services, claims management services or electronic services in the medical field" and is targeting "health information that were processed and were given a visual, audible or readable indication, and that may be attributed to the health sector." 
According to the ICT Health Law, the law "imposes a general prohibition on the transfer, storage, generation or processing of Health Information and data related to the provision of health services in the UAE to countries outside the UAE." 
For Fitbit, this means that citizens traveling to and from UAE might have problems using Fitbit as their data collected in the UAE will not be able to be transferred outside the country.
3. Impending GDPR-like LawThe UAE announced a plan to roll out a new cybersecurity strategy during the next three years. This strategy will involve 60 initiatives that will be executed to involve nine crucial infrastructures including the government, energy, ICT, electricity and water, finance and insurance, emergency services, health, transportation, and food and agriculture.
The idea is to enhance cybersecurity laws by looking at GDPR as an example of how regulations can be put in place in order to address all types of cybercrimes and tighten the protection of businesses. 
The GDPR-like law will "mandate cybersecurity implementation certification for government suppliers" as well as companies who are operating business within the UAE borders in the private sector.
For Fitbit, this means the company might have to implement stricter policies regarding how it uses and shares data for consumers who are living and visiting the UAE.

Part

of 34

Part

Kuwait - Regulatory Boundaries

The PPP law, licenses for adverts and publications, and the country's legal system are three potential regulatory barriers identified in the findings below that influence Fitbit’s ability to succeed in the Kuwait market. These three are regarded as potential regulatory barriers because Fitbit has no previous or existing footprints in any of them at the moment. Each potential regulatory barrier is described and explained why it could be a barrier.
The Public-Private Partnership (PPP) LawThe implementation of the PPP law in Kuwait has resulted in more natural ways of doing business in the country.
It allows the economy to flourish, as the law mainly acts as a "growth driver for the Kuwait fitness service market."
The new law also tackled the pessimism of business concerns under the previous regime.
Every fitness center in Kuwait is required by the PPP law to work with a local partner.
Why this regulatory provision could be a barrier is because working with a local partner may be an option Fitbit may not want to consider, hence the non-opening of an operational base in Kuwait yet despite its e-marketplace presence in the country.
Why this regulatory provision could be a barrier is because working with a local agent is one of the reasons why doing business in Kuwait is expensive.
Another reason Fitbit may not want to go into partnership with a local partner may be due to speculated risk involved in doing so. This warning is from the US embassies abroad.
As a result, the non-establishment of an operational center for health and fitness training in the country due to the compulsory mandate to accommodate a local partner could be a potential regulatory barrier that could influence Fitbit’s ability to succeed in the Kuwait market.
New License For Advertisement And Publications For CompaniesThis regulatory law states how businesses in Kuwait must apply for "the issuance of a new license for the publicity and advertising of their companies."
It requires the presence of "the principal, one of the partners, or an attorney-in-fact" at the Ministry of Information to sign for the application. Invariably, the process cannot be accomplished online.
Some documents that must be presented for this application include the following: "a letter from the Ministry of Commerce and Industry for the required license, copies of civil IDs of the partners, copy of the nationality of the partners, and the copy of the lease contract and the last lease receipt of the required place for the company.
Other documents include the certificate of a police record for the responsible manager and the CEO and a letter from the Municipality with the required space or a sketch of the place certified from the Municipality."
There is no room for advertisements and publications for companies in the country without obtaining this regulatory license. This regulatory license is further subject to renewal.
This cumbersome procedure could be one reason, among other things, why Kuwait is ranked last in the Gulf Cooperation Council (GCC), "and 96th in the world in the ease of doing business" by the World Bank. 
Why this regulatory provision may be a barrier to Fitbit is because of the evasive regulations not conforming with industrial standards and "the highly bureaucratic time-consuming procedures of the process."
As a result, the reluctance to obtain this license due to the bureaucratic, time-consuming procedures and nonconformity with industrial standards could be a potential regulatory barrier that could influence Fitbit’s ability to succeed in the Kuwait market because brand awareness and exposure may be limited.
The Legal SystemKuwait's legal system, particularly the judiciary, is supposed to, among other things, provide regulatory conformity for business practices in the country. By the standard of Kuwait's laws, only the Kuwaiti courts can adjudicate any disputes between a foreign investor and local parties.
However, either local or international arbitration is permitted, but the latter is still subject to the willingness of the State of Kuwait to participate.
The implication of this is that foreign investors cannot decide with contracting local partners or agents any other country of legal jurisdiction, where to settle matters in the event of disputes.
Why the regulatory framework of Kuwait's legal system could be a barrier is because the country's legal system generally favors the local population in matters of disputes between foreign investors and a member(s) of the local community.
Another reason why the regulatory framework of Kuwait's legal system could be a barrier is that its judiciary has come under intense criticism from foreign investors in recent times, and the country is "facing multiple arbitration cases brought by foreign investors."
On April 22, 2019, Alcosa Shareholding SL "filed a notice of arbitration complaint about health services contracts with the Kuwaiti government." Trump-up criminal charges have also been leveled against foreign investors that resulted in prison terms and substantial loss of money.
As a result, in the event Fitbit is drawn in a legal dispute with a local contracting partner, Kuwait's legal system could become a potential regulatory barrier that could influence the company's ability to succeed in the Kuwait market.
Research StrategyWe started our findings by looking through Kuwait's legal frameworks, systems, licenses, and permits that could become potential regulatory barriers that could influence Fitbit’s ability to succeed in the Kuwait market. We explored platforms belonging to the national government of Kuwait, the national government of the US, credible news sources, and market observers.

In so doing, we identified three frameworks or policies in Kuwait today that could serve as potential regulatory barriers for Fitbit in its ability to succeed in the Kuwait market.

These three were identified as potential regulatory barriers because there is no existing footprint of Fitbit in these identified areas. For instance, as a health and fitness company, Fitbit has no brick-and-mortar outlet in Kuwait at the moment, which means the PPP law has no hold on the company for now. Also, the company has not been mentioned anywhere in the public domain to have carried out adverts or publications in Kuwait (unlike in the US), which suggests it presently has no license to do so. Lastly, since Fitbit is not coordinating its operations in Kuwait at the moment, there is no public record of a legal dispute with any member or agent of the local population.

Part

of 34

Part

United Arab Emirates - Large Corporates: The Findings Part Five

Majid Al Futtaim, Gulf Marketing Group, Al Tayer Group, Azadea Group and Alshaya are the leading companies in retail within UAE while Henkel UAE, Unilever UAE, Nestle Middle East, Bateel International and Almarai Company are the leading ones in consumer segment in UAE.
Leading Retail Companies in UAE1.  Majid Al Futtaim Number of Employees: 43,000+ 
Number of Locations: 15 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Mouien Al Madhoun - Chief Human Capital Officer
 Email: mouien.almadhoun@maf.ae [S#22, corroborated with S#23]
Traffic Rank: 4,284 

2.  Gulf Marketing Group (GMG) Number of Employees: 7,000 
Number of Locations: 6 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Khadijah Ajineh - Group HR Director
 Email: khadijah@gmg.com 
Traffic Rank: 3,821 

3.  Al Tayer Group Number of Employees: 9,000+ 
Number of Locations: 6 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Federico Giovannini
 - Chief Human Resources Officer 
 Email: fgiovannini@altayer.com
Traffic Rank: 3,548 

4.  Azadea Group - UAE Number of Employees: 12,000 
Number of Locations: 13 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Khodor Badran - Chief Human Resources Officer 
 Email: khodor.badran@azadea.com 
Traffic Rank: 2,063 

5.  Alshaya Number of Employees: 60,000+ 
Number of Locations: 19 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Philippe Sauvan - Director - Executive Resourcing 
 Email: philippe.sauvan@alshaya.com 
Traffic Rank: 715 

Leading Consumer Companies in UAE1.  Henkel Number of Employees: 1,600+ 
Number of Locations: 6 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Harmeet Rajpal
 - Head of Human Resources 
 Email: harmeet.rajpal@henkel.com 
Traffic Rank: 70,593 

2.  Unilever UAE Number of Employees: 160,000 
Number of Locations: 16 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact:    Assaf AlQuraishi - Vice President Human Resources - Middle East & North Africa 
 Email: alquraishi.assaf@unilever.com 
Traffic Rank: 25,958 

3.  Nestle Middle EastNumber of Employees: 13,000+ 
Number of Locations: 13 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Christine Geary - Human Resources Director, Middle East
 Email: christine.geary@nestle.com 
Traffic Rank: 13,608 

4.  Bateel International Number of Employees: 1,001-5,000 
Number of Locations: 16 
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact: Magdalena Wells - Head of Learning & Development
 Email:  magdalena@bateel.com 
Traffic Rank: 12,572 

5.  Almarai Company Number of Employees: 42,971  
Number of Locations: 6  
Employees per Location: N/A
Health/Wellness/Happiness/Human Resources Leader Contact:   Fawaz Aljasser - Chief Human Resources Officer 
 Email: fawaz.aljasser@almarai.com
Traffic Rank: 3,522 
Research Strategy:All information provided in this research has been sourced from already compiled sources. However, the approach and strategy deployed in executing the research has been unique and thus detailed below.

Approach and MethodologyThe research was initiated by understanding the industry segment in UAE. The retail and consumer industry is a vast category and thus the focus was first to analyze the leading players in this segment.   

During the initial stage, it was deduced that the retail and consumer players form a distinct group and cannot be compared across the sectors. Hence, our focus has been to get leading players from both categories in order to have a robust coverage of the entire segment. We therefore considered analyzing the top 5 companies from retail as well as consumer sector in UAE.

How The Companies Were Chosen Since the criteria for choosing the companies should be based on the "most often mentioned", we tried deducing parameters that could successfully help us identify the correct companies in the league. However, the sheer subjectivity in the reasoning and the lack of quantifiable information made the selection of companies very challenging.

We therefore modified our approach to generate a way of deducing the companies in a more logical manner. Since the parameter "most often mentioned" would be focusing on logic like "most cited company" or "most discussed company" or "most searched company", we based our selection on looking at the popularity of these companies based on statistics from viewership ranks of the respective sites. Thus, we utilized statistical data from similarweb to analyze the popularity of the company based on web traffic, which led us to achieving the best in class results for the research.

Since the companies also varied in scales and scope of operation, we focused specifically on those companies that have a UAE origin or have headquarters in UAE region. This also led us to get the best and most accurate selection of companies. 

How Information for Each Company Was Found Utmost care was taken to identify all information from the respective company websites or company published documents for credibility. However, cases where the company is private, we have ventured into other credible sources like registered databases such as Bloomberg, Crunchbase, LinkedIn and others.

Information related to the number of employees and its locations has mostly been obtained from either company sites or LinkedIn. We have taken care to include information related to UAE and Middle East region only for all the companies.

The information on the number of employees per location could not be produced for any company, there being a dearth of this kind of information available through public domains. Since this is an optional ask, we could not dedicate much time in attempting multiple approaches to deduce the information, given that there were multiple companies to be covered in a short span of time.

In most cases, we have observed that there has not been a dedicated Health/Wellness/Happiness executive by designation or role within these organizations and the HR itself is responsible for this kind of role. Hence, we have included the lead HR person for each company in the UAE region.

The contact details of all executives identified have been accessed from either company websites or social databases like LinkedIn, zoominfo and others. Since the emails of most of the executives were not visible on public domains, we have utilized multiple resources like zawya, zoominfo, hunter, rocketreach among others to build the email based on company format and confirm through multiple platforms as stated above. Thus, the contacts provided in the findings are the best accurate possible through secondary means of research.

Part

of 34

Part

Kuwait - Large Corporates: The Findings Part Five

Ten leading companies in the hospitality and tourism industry in Kuwait include AccorHotels, Qatar Airways, Al-Shamel Hotels, Ibis Hotel, Gastronomica, Kharafi Global, Jumbo Travel, Al Maktab Travel & Tourism Co., and Al Mulla Travel & Tourism.
Accor HotelsAccor Hotels is the top hotel and tourism company in Kuwait according to Gulf Talent.
Accor hotels have about 280,000 employees with 4,954 hotels located in 111 countries globally.
 Arantxa Balson with email address arantxa.balson@accorhotels.com is the company's chief human resource officer.
Qatar AirwaysQatar Airways is the second in Gulf Talent's top hotel and tourism companies in Kuwait.
The company has over 46,000 employees and are present in more than 150 countries.
 Ann-Marie Campbell is the chief people officer at Qatar Airways Group. Her email address is acampbell@qatarairways.com.
Al-Shamel HotelsThe company is listed as the third leading hotel and tourism company in Kuwait according to Gulf Talent
Al-Shamel International has about 300 employees and located in 21 different countries.
GastronomicaGastronomica is the fourth hotel and tourism company in Kuwait according to Gulf Talent.
The company is located in six different countries, including Qatar & Bahrain and have an employee range of 1,001-5,000 persons.
 Aliaa Ameer is the recruitment manager at Gastronomica. Her email address is aliaa.ameer@gastronomica.com.
Kharafi GlobalKharafi Global is the fifth in Gulf Talent's top hotel and tourism companies in Kuwait.
The company has an employee range of 1,001-5,000 people and are present in more than five countries.
 Asim Rais Khan is the chief people officer at Kharafi Global. His email address is akhan@kharafiglobal.com.
Ibis HotelIbis Hotel is the sixth hotel and tourism company in Kuwait according to Gulf Talent.
Ibis hotels have an employees range of 201-500 with 1,209 hotels located in 67 countries globally.
Jumbo TravelJumbo hotel has close to 100 employees.
They are present in Eastern Europe, far East, Western Europe, Middle East & Africa with offices spread across major cities and countries.
 Elona Stroka is Jumbo Travel's human resource manager, and her email address is estroka@jumbotravel.com. 
Automated Systems Company (ASC)Automated Systems Company is the eight in Gulf Talent's top hotel and tourism companies in Kuwait.
The company has an employee range of 51-200 people and are present in more than five countries.
 Fatemeh Ghobishavi is the senior human resource manager at Automated Systems Company. His email address is fatemehhobishavi@asc.com.
Al Maktab Travel & Tourism Co. Al Maktab Travel & Tourism is one of the premier travel agencies in Kuwait, according to Zoominfo.
The company is located in ten countries and has an employee range of 51-200 people,
 Rana Almaktab is the human resource manager at Al Maktab Travel & Tourism. His email address is ralmaktab@almaktab.com.
Al Mulla Travel & Tourism Al Mulla Travel & Tourism has over 15,000 employees and is located in eight different countries globally.
 Mohamed Syed is the human resource manager at Al Mulla Travel & Tourism. His email address is mohamedsyed@freightmart.com.au.
Research StrategyTo identify the ten leading companies in the hospitality and tourism industry in Kuwait, we searched through the public domain for a list of the top hospitality and tourism companies in Kuwait. Our search yielded positive results as we identified a list by Gulf Talent on the top hospitality and tourism companies in Kuwait. Next, we found the number of employees, locations, and contact information of the lead health/wellness/happiness/human resources personnel of each company. Unfortunately, we were unable to find the human resource personnel for Al-Shamel Hotels and Ibis Hotels or their email addresses. 

First, we began by searching for health/wellness/happiness/human resources contact information on their different company websites. We looked into the staff section and the profiles of the chief executives. This step proved futile as the profile only provided us with the company history with no contact information about their chief executives. We also looked at press releases and news publications by the companies in search of any article that mentioned the human resource/health/wellness/happiness lead. Our research yielded no results. 
 
Next, we searched through the public domain for news articles, publications, press releases, and through other trusted media sources for the required contact information. This step also yielded no result as most of the information available were about other company employees. Further, we resorted to the social media channels (LinkedIn, Facebook, and Twitter) in an attempt to find any contact information on the companies' social media channels, but found none. 
 
Lastly, we resorted to other third party sources that are reputable in providing contact information such as Hoovers and Crunchbase for any contact information about any of the media/advertising contacts found. We also searched through some trusted email finders such as Rocketreach and Findemail. Although these sources claim to have the contact information about the individuals, the services are only accessible to premium customers who are subscribed to their services. As a result, we were unable to leverage the information provided by the email finders.

Part

of 34

Part

United Arab Emirates - Large Corporates: The Findings Part Four

 Ten leading companies in UAE's hospitality industry are Marriott International, Hilton Group, Jumeirah Group, Emaar Hospitality, DAMAC, Rotana, Majid Al Futtaim, Al Habtoor Group, Hyatt, and Abu Dhabi National Hotels. The contact details of the lead HR personnel have been provided below.
MarriottMarriott has 16,981 rooms across 57 hotels in the UAE.
Number of employees: N/A
Name of lead HR personnel: David Leman (CHRO)
E-mail id of lead HR personnel: david.leman@marriott.com
RotanaRotana has 35 properties in the UAE.
Number of employees: 10,000+ 
Name of lead HR personnel: Tony Zeenny (AVP Learning & Development)
E-mail id of lead HR personnel: tony.zeenny@rotana.com 
Contact form for Tony Zeenny (click on the name).
HiltonHilton has 6,914 rooms across 21 hotels in the UAE.
Number of employees: N/A
Name of lead HR personnel: Solange Corm (Director — Talent Acquisition EMEA)
E-mail id of lead HR personnel: corms@hilton.com
Jumeirah GroupJumeirah Group has 4,700 rooms spread across 15 properties in the UAE.
Number of employees: 10,000+ 
Name of lead HR personnel: Ellen Dubois du Bellay (CHRO) 
E-mail id of lead HR personnel: ellendubellay@jumeirah.com
Emaar HospitalityEmaar has 3,100 rooms across 13 properties in the UAE.
Number of employees: 1,001-5,000 
Name of lead HR personnel: Aseem Kapoor (Head of Talent) 
E-mail id of lead HR personnel: aseem.kapoor@emaarhospitality.com
DAMACDAMAC has a portfolio of 13,000 "hotel rooms, serviced hotel apartments, and hotel villas ".
Number of employees: 1,001-5,000 
Name of lead HR personnel: M. P. John (SVP of Talent Acquisition and Human Capital at DAMAC Group) 
E-mail id of lead HR personnel: john@damacgroup.com
Majid Al FuttaimMajid Al Futtaim has 11 hotels in the UAE.
Number of employees: 10,000+ 
Name of lead HR personnel: Mouien Al Madhoun (Chief Human Capital Officer) 
E-mail id of lead HR personnel: mouien.almadhoun@maf.ae
Al Habtoor GroupAl Habtoor Group owns 8 hotels in the UAE.
Number of employees: 10,001+ 
Name of lead HR personnel: Atef Mousa (Director of Human Resources & Administration)
E-mail id of lead HR personnel: atef@habtoor.com 
HyattHyatt has 8 hotels and 2,800 rooms in the UAE.
Number of employees: N/A
Name of lead HR personnel: Ramjan Bhugeloo
 (Director of Human Resources Southwest Asia)
E-mail id of lead HR personnel: ramjan.bhugeloo@hyatt.com
Abu Dhabi National HotelsAbu Dhabi National Hotels has seven hotels in Abu Dhabi.
Number of employees: 10,001+ 
Name of lead HR personnel: Anna Ayoub (Head of Human Resources)
E-mail id of lead HR personnel: N/A
Research StrategyThe U.S.-U.A.E. Business Council lists the aforementioned ten companies as key players in the UAE's hospitality business. We visited the websites and Linkedin profiles of these companies to identify the lead HR personnel. Upon identifying the HR heads, we searched for their email ids on the company websites and email search engines such as Voila Norbert, Rocket Reach, and Hunter. The number of employees was obtained from the Linkedin profiles of the companies.

Not all company websites provide the names of the key management and not all HR heads have Linkedin profiles. For international companies, the number of employees based in the UAE could not be obtained as there were no UAE-specific Linkedin profiles. And, in some cases, the email id of the HR head was not available on search engines. 

To find the names of the HR heads, the number of employees, and their email ids, we also searched for interviews of HR personnel. Also, we searched for any news related to the appointment of HR heads, HR policy documents, and the job sections of the company websites for relevant information. While we were able to find news of the appointment of the CHRO of Jumeirah Group, and an internship policy document that contained the email id of the Director Human Resources & Administration at Al Habtoor, there was still some information we were unable to obtain. 

Part

of 34

Part

Kuwait - Large Corporates: The Findings Part Four

Ten of the leading telecommunication companies in Kuwait are Zain Bahrain, Hayat Communications, Viva, Future Communications, FastTelco, Qualitynet, Zajil International Telecom Company, ZAK Solutions Company, and B. Online.
Zain Bahrain Zain is a leading mobile voice and data service providers in Kuwait.
Zain has one main headquarter and 19 stores.
The company employees 1,200 people.
 Nawal Bourisli is the chief human resources officer for Zain.
Nawal Bourisli's email address is nawal.bourisli@kw.zain.com.
Hayat Communications Hayat Communications is considered one of the top five telecommunication service providers in Kuwait.
Hayat has three locations in Kuwait.
Hayat has 1,100 employees.
 Shihab Mohammed is the HR and account officer at Hayat.
Shihab Mohammed's email address is shihab.mohammed@hayatcommunications.com.
Viva Viva is a leading mobile telecommunication company in Kuwait.
Viva has 53 stores and a headquarter.
Viva has 450 employees. 
 Anas Yousef Hamad Al-Ateeqi is the chief human resources officer at Viva.
 Anas Yousef Hamad Al-Ateeqi's email address is anas.ateeqi@viva.com.kw.
Future Communications Future Communications is a leading telecommunication company, providing ICT products and services.
Future Communications has six locations.
The company has 530 employees.
 Khadija El Mestassi  is the Sr HR officer at Future Communications.
Khadija El Mestassi's email address is kmestassi@fcc-kuwait.com.
Ooredoo Ooredoo is a leading mobile telecommunication company in Kuwait.
Ooredoo has 53 locations and a head office location.
Ooredoo has 298 employees.
 Omar Al-Bassam is the chief human resources and administration services officer at Ooredoo.
 Omar Al-Bassam's email address is omar.bassam@ooredoo.com.kw.
FastTelco FastTelco is an internet and voice service leader in Kuwait.
The company has three locations.
FastTelco has 210 employees.
 Omnia Al-Nahal is the HR and admin officer at FastTelco.
Omnia Al-Nahal's email address is onahal@fasttelco.net.
Qualitynet Qualitynet is an internet and ICT providers in Kuwait.
Qualitynet has one location.
The company has between 500 and 1,000 employees.
 Montaser Al-As'hab is the manager of human resources at Qualitynet.
Montaser Al-As'hab's email address is mashab@qnetstaff.com.
Zajil International Telecom  Zajil International Telecom is a leading ICT service provider.
Zajil has one location in Kuwait. 
Zajil International Telecom has 125 employees.
 Linda Awada is the Manager of the CEO's office and HR.
Linda Awada's email address is intl@zajil.com.
ZAK Solutions Company ZAK Solutions Company is a network leader in Kuwait.
ZAK Solutions has one location.
ZAK Solutions Company has 80 employees.
Mohammed Ali is the senior HR specialist at ZAK Solutions.
Mohammed Ali's email address is mali@zakq8.com.
B. Online B. Online is a leading telecommunications company in Kuwait.
B. Online has one location.
B. Online has 69 employees.
 Georges Saliba is the director of human resources at B. Online.
Georges Saliba's email address is georges@bonline.com.kw.

Part

of 34

Part

United Arab Emirates - Large Corporates: The Findings Part Three

First Abu Dhabi Bank, Emirates NBD, Abu Dhabi Commercial Bank and Abu Dhabi Islamic Bank are some of the leading companies in the UAE financial industry. More details have been outlined below.

FINANCIAL COMPANIES — UAE1. First Abu Dhabi BankThis company employs 5451 people.
The bank operates through 120 branches. Apart from the United Arab Emirates, this company is also located in several countries, including Switzerland, United Kingdom, France and Singapore.
Pete Baker is the Chief Human Resources Officer at First Abu Dhabi Bank. His email is pete.baker@nbad.com.

2. Emirates NBDThis company has more than 10,000 employees.
The financial institution operates through 115 branches across the UAE and other countries such as Saudi Arabia, Qatar and the UK.
Husam Al Sayed is the general manager of human resources at Emirates NBD. The individual's email is husams@emiratesnbd.com.

3. Abu Dhabi Commercial BankThis financial institution has between 1,001 and 5,000 employees.
The company operates through 56 branches in the UAE, with 2 branches in India and one additional branch in Jersey.
Ali Darwish is the head of human resources at ADCB. The individual's email address is ali.darwish@adcb.com.

4. Abu Dhabi Islamic BankAbu Dhabi Islamic Bank has around 2033 employees (calculated).
The bank has 170 branches across seven countries, including UAE, Qatar and Sudan.
 Martin Corfe is the head of human resources at ADIB. His email is martincorfe@adib.ae.

5. Dubai Islamic BankThe Dubai Islamic Bank has 4,233 employees and operates through 90 branches.
Bilal Aqleem is the current head of human resources at the Dubai Islamic Bank. His email address is bilal.aqleem@dib.ae.

6. Mashreq BankMashreq Bank has between 5,000 and 10,000 employees.
The company operates through 64 branches (44 in UAE and 20 international).
Ali Raza Khan is in charge of human resources at the Mashreq Bank. The individual's email address is alir@mashreqbank.com.

7. Commercial Bank of DubaiThe Commercial Bank of Dubai has 1,134 employees.
The bank has 26 branches across the UAE.
Gareth Powell is the head of human resources at CBD. His email address is gareth@cbd.ae.

8. Dubai InvestmentsDubai Investments has between 1,001 and 5,000 employees.
The institution only has one location in Dubai.
Rabab El Dessouky is the head of human resources at Dubai Investments. The individual's email address is rabab@dubaiinvestments.com.

9. RAKBANKAccording to Linkedin, RAKBANK has between 1,001 and 5,000 employees. The financial services company operates through 39 branches inside UAE.
RAKBANK's head of talent acquisition and human resources is Mohammad Dilshad. The individual can be reached at mohammad.dilshad@rakbank.ae.

10. Sharjah Islamic BankSharjah Islamic Bank has 325 employees. As of November 2018, the bank has 34 branches.
SIB's head of human resources is Eman Jassim. She can be reached at eman.jassim@sib.ae.

RESEARCH STRATEGYThe first 4 financial service companies were selected because they have the most market capitalization (this can be seen by selecting the "financial" business sector in this source), while the remaining 6 companies were listed because they are among the most profitable companies in the UAE and belong to the financial services industry.

In the 2018 annual report of Abu Dhabi Islamic Bank, we located a statement that 732 of the company's employees take up around 36% of its workforce. This means the bank had around 2,033 employees in 2018 (2,033*0.36=731.88).

Part

of 34

Part

Kuwait - Large Corporates: The Findings Part Three

The ten leading companies in Kuwait's news and media industry are Arab Times, The Kuwait Times, Kuwait News Agency (KUNA), Al Jarida, Al Rai, Al Anba (Kuwait), Al Qabas Newspaper, Al Seyassah, MarinaFM and Al Nahar.
 Al Rai Media Group CompanyThis is a daily publisher of political and comprehensive newspaper in Kuwait. Accredited firms in Kuwait and the GCC region have rated this company the best in terms of coverage, circulation, readership and influence.
The company employs between 501 and 1,000 employees.
The lead health/wellness/happiness/human resources contact is  Hadi Hamed who serves as the emergency doctor at Alrai Media Group Co.
The company's email address is ir@alraimedia.com 
Kuwait News Agency (KUNA) Kuwait News Agency's main goal is to gather news and distribute it to media institutions and individuals
The company's employee size is 201-500.
It operates in one physical location, Shuwaikh managerial area, Jahra Street, Kuwait City.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email is mr@kuna.net.kw 
Al Anba NewspaperThis company is a daily publisher of political and comprehensive newspaper in Kuwait. 
The company's employee size is 501-1,000 employees
It operates in one physical location which is in Shuwaikh Area, Press Street
 Airport Road in Kuwait.
 The lead health/wellness/happiness/human resources contact is Ahmad Rady, who acts as the senior HR officer at Alanba Newspaper.
Al Anba Newspaper company's email address is editorial@alanba.com.kw  
Al Qabas NewspaperThis is a printing and publishing press in Kuwait.
This company employs between 11 and 50 employees.
It operates in one physical location, Al Qabas Building, Muscat, Muscat Ruwi 112, OM.
The lead health/wellness/happiness/human resources contact is Hichem Arfaoui, who acts as the pharmaceutical delegate for the company.
The company's email address is info@alqabas.com.kw
 

Kuwait TimesThe Kuwait Times is the first daily newspaper in the English language in the Arabian Gulf region, based in Kuwait.
Kuwait Times employs about 50 employees.
The company has one physical location in Safat, Kuwait.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email address is local@kuwaittimes.com. 
Arab Times Arab Times daily newspaper is the most popular choice for English readers in Kuwait.
There is no information on the number of employees.
Arab Times has one physical location on Airport Road, Shuwaikh in Kuwait.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email address is arabtimes@arabtimesonline.com 
Al Jarida Al jarida is a bilingual newspaper distribution company located in Kuwait.
There is no information on the number of employees.
The distribution company has one physical location Salhia area, Fahd Al Salem Street, Osama building.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email address is not available.
Marina FMThis is the first private radio station in Kuwait.
The station employs between 11 and 50 employees.
It has one physical location at Marina Mall, Salem Al Mubarak Street, Salmiya-Block 4, Ḩawallī.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The radio station's email address is  info@marinafm.com.
Al SeyassahThis is a commercial printing press for newspapers in Kuwait.
There is no information on the number of employees.
The company has one physical location in 55 Shuwaikh Airport Road, Newspaper Street, Safat, Kuwait.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email address is alseyassah@alseyassah.com.
Al NaharThis is a business, technology, product and services provider in Kuwait. The company focuses on information technology, telecommunication, office automation, educational systems, and audiovisuals.
The company employs between 51 and 200 employees.
Al Nahar has two physical locations one at Al-Rai Industrial Area, Block 1, Street 22, Building 386 Kuwait and the other one is at Al-Rai Industrial Area, near Avenus Roundabout.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company's email address is info@alnahar.net
.
Research StrategyTo identify the 10 leading companies in healthcare in Kuwait, we began by searching for lists of news and media companies in Kuwait. We found different sources that provided lists of the news and media companies in Kuwait and the information also consistent. This is an example of one of the sources.

All information regarding number of employees and number of locations were available expect for three companies. We could not find the number of employees from the company's official websites.  We then searched business listing sources such as LinkedIn but we could not find information on number of employees for the three companies. Information on the lead health/wellness/happiness/human resources contact was unavailable for seven of the companies. It was not available on their company's official websites nor was it available on business listing sites such as LinkedIn.

Email address for the lead health/wellness/happiness/human resources contact whose information we were able to find was not publicly available. We couldn't find them from the companies websites, LinkedIn or other sites such as Hunter.io. Their information is not publicly available.

Part

of 34

Part

United Arab Emirates - Large Corporates: The Findings Part Two

Ten leading companies in the industrial goods sector in the UAE include Al Shoumoukh Group, GRP Industries FZC, Ahmed Almazroei Metal Industries, STYRO LTD, Emirates Industrial Filters, Emirates Steel, Gulf Precast Concrete Company LLC, Al Raha Mechanical Equipment Company WLL, Excel Group of Companies, and Classic Metallic Sheets Factory LLC.
Large Corporates in the Industrial Goods Sector (United Arab Emirates)1. Al Shoumoukh GroupThis company employs around 59 individuals. 
It only operates one location.
The lead health/wellness/happiness/human resources contact is Rajesh Ramakrishnan, who serves as the HR & administration manager 
Their email address is enquiry@alshoumoukh.com.

2. GRP Industries FZCGRP Industries FZC employs 32 people.
It currently operates a single location.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company email is info@grpindustries.com.

3. Ahmed Almazroei Metal IndustriesInformation on the number of people employed by Ahmed Almazroei Metal Industries is unavailable in the public domain.
The company has one location.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company email is info@amindustry.ae.

4. STYRO LTDSTYRO LTD employs around 120 individuals.
Currently, the company has two locations.
The lead health/wellness/happiness/human resources contact is Fadi Manja, who is the HR & admin manager at the company.
The company email is info@styrouae.com.

5. Emirates Industrial FiltersInformation on the number of people employed by Emirates Industrial Filters is unavailable in the public domain.
Emirates Industrial Filters operates one location.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company email is info@eif.ae.

6. Emirates SteelEmirates Steel has 1,402 employees.
The company has one location.
The lead health/wellness/happiness/human resources contact is Rima Meharrami, who is the HR manager.
The company email is inquiry@emiratessteel.com.

7. Gulf Precast Concrete Company LLCThe Gulf Precast Concrete Company has 315 employees.
It currently operates four separate locations.
The lead health/wellness/happiness/human resources contact is Muhammad Khalid. Khalid serves as the company's HR administrative officer.
The company email is info@gulfprecast.ae.

8. Al Raha Mechanical Equipment Company WLLInformation on the number of people employed by the Al Raha Mechanical Equipment Company is unavailable in the public domain.
The company has one location.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company email is info1@armepco.ae.

9. Excel Group of CompaniesExcel Group of Companies employ 34 individuals.
It only has one location.
The lead health/wellness/happiness/human resources contact is Bassima Najeeb. Najeeb serves as the HR administrator at the company.
The company email is enquiry@excel-uae.com.

10. Classic Metallic Sheets Factory LLCClassic Metallic Sheets Factory LLC has 180 employees.
The company has one location.
Information on the lead health/wellness/happiness/human resources contact is unavailable.
The company email is info@clmet.com.

Research Strategy:To identify the leading companies in the industrial goods sector in the UAE, we first searched for the definition of industrial goods and came across an explanation provided by Investopedia, which mentioned that these are companies that produce capital goods used in construction and manufacturing. Thereby, we began to search for leading companies offering such goods.
 We checked through numerous industry reports and business directories, including Mordor Intelligence, Gulf Talent, Guide 2 Dubai, and Yellow Pages. However, none of them mentioned any companies categorically as leading or top.

We then searched for the names of companies with the most awards and that operate in the industrial goods sector. After an exhaustive search through the databases for various business awards in the UAE, such as the Sheikh Khalifa Excellence Award and MEED Award, we were able to identify ten such companies.
 Afterward, we searched for the requested details for each company.

We began our research for the requested details by examining the companies' official websites, press releases, and publications, since companies tend to publish such information through these portals. Although we found relevant information such as the number of locations for all the companies, most of the contact information we came across was the corporate email address of the company. None of the companies mentioned the total number of employees or the names of contact persons related to lead health/wellness/happiness/human resources on their official websites and publications.

Next, we explored LinkedIn to search for the information on the lead health/wellness/happiness/human resources contact. The idea here was to go through the employees' pages of all the companies and identify such personnel. LinkedIn profiles typically provide contact information such as email addresses if disclosed by the users. Although we were unable to find the official LinkedIn pages for some companies, we found the profiles for the lead health/wellness/happiness/human resources contact for most companies. However, none of them provided any information on their email addresses.

We searched through different databases such as ZoomInfo, Zawya, and Rocket Reach. The idea here was to find the email addresses for the identified personnel and any other details we could not find on LinkedIn. However, none of the databases provided any useful information on the companies.

Finally, we consulted various news and media articles published by leading news publications in the UAE. We aimed to find any news pieces related to health/wellness/happiness/human resources that were associated with the identified companies since such articles usually contain relevant contact information on those with specific responsibilities. Nonetheless, after checking through numerous news articles published for the identified companies through leading news publications such as Gulf News, Khaleej Times, and Gulf Today, among others, no relevant articles that would provide us with the contact information was available.

Hence, after exhausting the strategies outlined above, we concluded that limited information is available on the lead health/wellness/happiness/human resources contact for leading industrial goods companies in the UAE. Also, due to lack of available information on the contact details in the public domain, we provided the general contact emails for all the companies identified.

One of the probable reasons for the unavailability of such information could be that the companies do not disclose such detailed personnel information on their official company websites. It could also be possible that the lead health/wellness/happiness/human resources contacts have not disclosed their email addresses in the public domain for privacy reasons.

Part

of 34

Part

Kuwait - Large Corporates: The Findings Part Two

Ten leading companies in Kuwait’s banking industry are National Bank of Kuwait, Kuwait Finance House, Burgan Bank, Gulf Bank, Al Ahli Bank of Kuwait, Boubyan Bank, Commercial Bank of Kuwait, Ahli United Bank Kuwait, Kuwait International Bank, and Warba Bank.
National Bank of Kuwait
National Bank of Kuwait is the largest bank in Kuwait based on total asset size in 2018.
The company employs 6,318 employees as of 2018.
It operates 150 branches, subsidiaries, and offices in 15 countries across Asia, Europe, and the Americas.
 Emad Al-Ablani is the general manager, group human resources at National Bank of Kuwait.
His email address is emada@nbk.com.
Kuwait Finance House
Kuwait Finance House is the second-largest bank in Kuwait based on total asset size in 2018.
The company employs around 15,000 employees as of 2018.
It operates 504 branches across Kuwait, Bahrain, Saudi Arabia, Malaysia, Turkey, and Germany.
 Frederick Carstens is the group chief human resources officer at Kuwait Finance House.
His email address is frederickc@kfh.com.
Burgan Bank
Burgan Bank is the third-largest bank in Kuwait based on total asset size in 2018.
The company employs 734 employees (estimated).
It operates 167 branches and offices across Kuwait, Turkey, Algeria, Iraq, Tunis, Lebanon, and the United Arab Emirates.
 Halah Mohammad El Sherbini is the group chief human resources and development officer at Burgan Bank.
Her email address is halah@burgan.com.
Gulf Bank
Gulf Bank is the fourth-largest bank in Kuwait based on total asset size in 2018.
The company employs 1,506 employees (estimated).
It operates 58 branches across Kuwait.
 Salma AlHajjaj is the general manager, human resources at Gulf Bank.
Her email address is salhajjaj@gulfbank.com.kw.
Al Ahli Bank of Kuwait
Al Ahli Bank of Kuwait is the fifth-largest bank in Kuwait based on total asset size in 2018.
The company employs 806 employees (estimated).
It operates 76 branches, which include 31 in Kuwait, three in the United Arab Emirates, and 42 in Egypt.
 Hamza Enki is the general manager, human resources at Al Ahli Bank of Kuwait.
His email address is hamza@eahli.com.
Boubyan Bank
Boubyan Bank is the sixth-largest bank in Kuwait based on total asset size in 2018.
The company employs 1,546 employees as of 2018.
It operates 43 branches across Kuwait.
 Adel Abdullah Al-Hammad is the general manager, human resources group at Boubyan Bank.
His email address is aalhammad@bankboubyan.com.
Commercial Bank of Kuwait
Commercial Bank of Kuwait is the seventh-largest bank in Kuwait based on total asset size in 2018.
The company employs 1,115 employees as of 2018.
It operates 44 branches across Kuwait.
 Sadeq Jaafar Abdullah is the general manager, human resources division at Commercial Bank of Kuwait.
His email address is sabdullah@cbk.com.
Ahli United Bank Kuwait
Ahli United Bank Kuwait is the eighth-largest bank in Kuwait based on total asset size in 2018.
The company employs 1,000 employees (estimated).
It operates 34 branches across Kuwait.
 Iman Al-Madani is the group head of human resources & development at Ahli United Bank Kuwait.
Her email address is iman.al-madani@ahliunited.com.
Kuwait International Bank
Kuwait International Bank is the ninth-largest bank in Kuwait based on total asset size in 2018.
The company employs 730 employees (estimated).
It operates 21 branches across Kuwait.
 Anthony John Erasmus is the general manager of human resources department at Kuwait International Bank.
His email address is anthony.erasmus@kib.com.kw.
Warba Bank
Warba Bank is the tenth-largest bank in Kuwait based on total asset size in 2018.
The company employs 404 employees (estimated).
It operates 13 branches across Kuwait.
 Abdullah Jassem Hamada is the chief human resources & general services officer at Warba Bank.
His email address is abdullah.hamada@warbabank.com. 
Research Strategy
We have defined “leading” companies in Kuwait’s banking industry as the largest banks based on asset size in 2018. None of the contacts identified have published their email addresses online. Therefore, email verifiers such as Rocket Reach, Email Hippo, and Prospectworx were used to provide the required information.

Part

of 34

Part

United Arab Emirates - Large Corporates: The Findings Part One

Ten leading companies in the United Arab Emirates’ (UAE) healthcare industry are health systems such as SEHA, Dubai Health Authority, VPS Healthcare, Aster DM Healthcare, Emirates Healthcare, Zulekha Healthcare Group, NMC Healthcare, Mediclinic Middle East, Arabian Healthcare Group, and Ahalia Group.
SEHA (Abu Dhabi Health Services Company)
 SEHA is a health system based in Abu Dhabi.
The company employs over 18,759 employees.
It operates 12 hospitals across the UAE.
 Sultan Saeed Al Nuaimi is the director, human resources at SEHA.
His email address is salnuaimi@seha.ae.
Dubai Health Authority
 Dubai Health Authority is a health system based in Dubai.
The company employs around 12,000 employees.
It operates 39 locations across the UAE, which include four hospitals, 12 primary healthcare centers, 17 medical fitness centers, and six specialty centers.
 Noura Almidfa is the head of recruitment at Dubai Health Authority.
Her email address is nalmidfa@dha.gov.ae.
VPS Healthcare
 VPS Healthcare is a health system based in Abu Dhabi.
The company employs around 10,000 employees.
It operates 145 locations across the UAE, Oman, and India, which include 20 hospitals and over 125 medical centers.
 Karunakar Thotli is the chief human resources officer at VPS Healthcare.
His email address is karunakar@vpshealth.com.
Aster DM Healthcare
 Aster DM Healthcare is a health system based in Dubai.
The company employs over 17,600 employees.
It operates 323 hospitals, clinics, diagnostic centers, and retail pharmacies across nine countries in the Middle East, India, and the Far East.
 Fara Siddiqi is the group chief human resources officer at Aster DM Healthcare.
Her email address is fara.siddiqi@asterdmhealthcare.com.
Emirates Healthcare
 Emirates Healthcare is a health system based in Dubai.
The company employs 2,642 employees.
It operates 22 locations across the UAE, which include two hospitals, three day surgery centers, and 17 clinics.
 Hazem Sara is a senior healthcare recruiter at Emirates Healthcare.
His email address is Hazem.Sara@emirates-healthcare.com.
Zulekha Healthcare Group
 Zulekha Healthcare Group is a health system based in Dubai.
The company employs around 3,000 employees.
It operates nine locations, which include two hospitals, three medical centers, and three pharmacies in the UAE and one hospital in India.
 Vijaya Sen is the group human resource director at Zulekha Healthcare Group.
Her email address is svijaya@zulekhahospitals.com.
NMC Healthcare
 NMC Healthcare is a health system based in Abu Dhabi.
The company employs over 20,000 employees.
It operates over 200 hospitals, medical centers, and other medical facilitates across 19 countries in the Middle East, Africa, Europe, and the Americas.
 George Roos is the senior human resource manager at NMC Healthcare.
His email address is george.roos@nmc.ae.
Mediclinic Middle East
 Mediclinic Middle East is the UAE division of the global health system Mediclinic International.
The company employs 5,801 employees.
It operates 27 locations across the UAE, which include seven hospitals and 20 clinics.
 Johan Malan is the chief human resources officer at Mediclinic Middle East.
His email address is Johan.Malan@mediclinic.ae.
Arabian Healthcare Group
 Arabian Healthcare Group is a health system based in Dubai.
The company employs 40 employees (estimated).
It operates seven medical and wellness facilities, which include hospitals, medical centers, pharmacies, and others.
 Prof. Adrian Kennedy is the chief wellness officer at Arabian Healthcare Group.
His email address is prof.kennedy.aj@gmail.com.
Ahalia Group
 Ahalia Group is a health system based in Abu Dhabi.
The company employs 450 employees (estimated)
It operates 57 locations across the UAE, which include two hospitals, 20 medical centers, and 35 pharmacies.
 Sanju Anand is a human resource officer at Ahalia Group.
His email address is SanjuAnand@ahaliagroup.com.
Research Strategy
We have defined “leading” companies in the UAE’s healthcare industry as some of the largest health systems based on employee size or locations. Only Prof. Adrian Kennedy has published his email address online. Therefore, email verifiers such as Hunter and Rocket Reach were used to provide the required information for the remaining nine contacts.

Part

of 34

Part

Kuwait - Large Corporates: The Findings Part One

Ten of the top healthcare companies in Kuwait are Varian Medical Systems, Taiba Hospital, Julphar, Diet Care, Fawzia Sultan Rehabilitation Institute, Kaya Skin Clinic, Hadi Clinic, Al Essa Medical and Scientific Equipment Co., InterHealth Canada, and Gulf Healthcare International. Details for each company are below.
Varian Medical Systems Varian Medical Systems is listed as the top healthcare company in Kuwait by GulfTalent.
It has 6,500 employees in 70 sales and support offices around the world.
 Carylynn Lemoge is the director of human resources for Varian Medical Systems.
Her email address is likely (80%) carylynn.lemoge@varian.com.
Taiba Hospital Taiba Hospital is listed as number two on the list of top healthcare companies in Kuwait by GulfTalent.
It has 500 employees at its single location.
 Eng. Ahmed Al-Aryan is the human resources director at Taiba Hospital.
His email address is likely (84%) ahmed@taibahospital.com.
Julphar Julphar is listed as number three on the list of top healthcare companies in Kuwait by GulfTalent.
It has more than 5,000 employees and is a presence in over 50 countries.
 Samir Mardini is the chief human resources officer for Julphar.
His email address is likely (81%) samir.mardini@julphar.net.
Diet Care Diet Care is listed as number four on the list of top healthcare companies in Kuwait by GulfTalent.
It has between 501 and 1,000 employees at its single location.
 Ahmad Hatoum is the human resources manager at Diet Care.
His email address is likely (80%) ahmad@thedietcare.com.
Fawzia Sultan Rehabilitation Institute Fawzia Sultan Rehabilitation Institute is listed as number five on the list of top healthcare companies in Kuwait by GulfTalent.
It has 48 employees at its two locations.
 Marianne Kassab Assaf is the training and educational programs director at Fawzia Sultan Rehabilitation Institute.
Her email is likely (76%) m.kassab@fshnkuwait.org.
Kaya Skin Clinic Kaya Skin Clinic is listed as number six on the list of top healthcare companies in Kuwait by GulfTalent.
It has over 1,200 employees in 103 clinics, 151 skin bars, and 24 clinics in the Middle East.
 Snigdha Banerjee is the senior human resources officer for Kaya Skin Clinic.
She does not have a personal email listed, but can be reached at info@kaya.in. 
Hadi Clinic Hadi Clinic is listed as number seven on the list of top healthcare companies in Kuwait by GulfTalent. 
It has 20 employees at its single location.
 Vivian N. Petrola is the human resources recruiter for Hadi Clinic.
Her email address is likely (84%) vivianp@hadiclinic.com.kw.
Al Essa Medical and Scientific Equipment Co. Al Essa Medical and Scientific Equipment Co. is listed as number eight on the list of top healthcare companies in Kuwait by GulfTalent.
It has 1,750 employees across two offices in Kuwait.
 Mansour Alsubaie is the human resources and admin manager for Al Essa.
His email address is likely (77%) mansouralsubaie@alessakuwait.com.
InterHealth Canada InterHealth Canada is listed as number nine on the list of top healthcare companies in Kuwait by GulfTalent.
It has 212 employees across at least six offices.
 Amy Fairbank is the human resources manager for InterHealth Canada.
Her email is likely (79%) amy@interhealthcanada.com.
Gulf Healthcare International Gulf Healthcare International is listed as number 10 on the list of top healthcare companies in Kuwait by GulfTalent.
It has 277 employees across five clinics.
 Rizwan Azam is the head of human resources and admin for Gulf Healthcare International.
His email address is likely (86%) rizwan.azam@gulf-healthcare.com.
Research StrategyTo identify the 10 leading companies in healthcare in Kuwait, we began by searching for those most mentioned in media sources. However, we discovered that there weren't many mentioned more than one or two times in any publication. Therefore, we adjusted our strategy a bit and attempted to find a directly available list of top healthcare companies in Kuwait. This strategy led to GulfTalent's list of top healthcare companies in Kuwait. Using this list, we were able to identify 10 of the top healthcare companies in Kuwait.

All information regarding employees and number of locations was available on the companies' websites. To find the person in charge of human resources, we started with the companies' websites, but most did not list their human resource employees. Therefore, we moved to LinkedIn and other business listing sites that detailed the executives for each company. We were able to find the top human resource official for each company using these methods. Unfortunately, none listed their email addresses or phone numbers. As such, we turned to Hunter.io, an email finding service, to identify probably email addresses for these employees based on the domain email address pattern. We have provided the probability of each email address being correct in addition the addresses found by Hunter.

Part

of 34

Part

United Arab Emirates - Large Corporates

The healthcare, industrial, financial, hospitality, and retail industries are the verticals most likely to be receptive to a corporate health and wellness offering in the United Arab Emirates.
Healthcare IndustryCompanies within the healthcare sector are involved in the coordination and provision of medical related good and services. This also involves companies that manufacture equipment or drugs, provide medical insurance, and facilitate healthcare provision to places like hospitals and clinics.
 Eleven healthcare companies in the healthcare industry participated in the only initiative that aims to recognize the corporate health efforts of UAE-based organizations.
Some healthcare companies in the UAE that have health and wellness initiatives are Roche Diagnostics Middle East, RAK Hospital, Leader Healthcare, Cleveland Clini Abu Dhabi, Saudi German Hospitals Group, Life Pharmacy, Zulekha Hospitals, Mafraq Hospital, Ambulatory Healthcare Services: Seha, Optum, and Now Health International.
Industrial Goods Industry This industry is involved in the creation and producing of capital goods as well as companies selling equipment and supplies for manufacturing and construction.
 Seven companies in the industrial goods sector participated in the only initiative that aims to recognize the corporate health efforts of UAE-based organizations. 
Some companies in the UAE that have health and wellness initiatives are Schneider Electric, Al Hosn Gas, AlMansoori Specialised Engineering, Philips, Masdar, Fine Hygienic Holding, and Dulsco.
Financial Industry This industry consists of companies and firms that provide financial services to both retail and commercial customers such as banks and investment companies.
 Five companies in the financial industry participated in the only initiative that aims to recognize the corporate health efforts of UAE-based organizations.
 Some companies in the UAE that have health and wellness initiatives are Mashreq Bank, Dubai Islamic Bank, National Bank of Fujairah, Standard Chartered Bank, and Dubai Holding.
Hospitality Industry This industry provides leisure and customer satisfaction and involves hotels, restaurants, and travel agencies.
 Four companies in the hospitality industry participated in the only initiative that aims to recognize the corporate health efforts of UAE-based organizations. 
Some companies in the UAE that has health and wellness initiatives are Atlantis the Palm, Jumeirah Group, In2 Consulting, and Caesars Bluewaters.
Retail Industry This industry provides goods and services directly to consumers from manufacturers.
 Four companies in the retail and consumer industry participated in the only initiative that aims to recognize the corporate health efforts of UAE-based organizations.
Some companies in the UAE that have health and wellness initiatives are Majid al-Futtaim, Cannon Middle East, Landmark Group, and Sucden Middle East.
Research Strategy:We searched for intelligence reports and surveys regarding the Corporate Health and Wellness Industry in the UAE with the intent to find the key industries that health and wellness companies should focus. We found one report from Euromonitor but it is locked behind paywalls. We also found a survey sponsored by MEED and National Health Insurance Company: Daman that out of 98 companies polled, 70% said they have a corporate wellness program compared to just 45% in 2013. However, we couldn’t find any insights as to what industries are the most receptive or most likely to adopt corporate health and wellness initiatives.

We then searched for the top health and wellness insurers in the UAE. The goal was to look for the industries these companies target in looking for potential clients. National Health Insurance Company: Daman is the single leading health insurer, and Mordor Intelligence was able to conclude that "The UAE health insurance industry is predominantly led by Daman. Daman's official website boasted that company has about 3 million members in the UAE. Given that the UAE’s total workforce is 6.447 million, Daman is indeed the leading health insurer in UAE. However, we couldn’t find the target industry of Daman nor the major industry sector where most of its clients belong to on its official website and Annual Report. 

In our search, it was found that Daman, in collaboration with MEED, recognizes and awards UAE organizations that promotes corporate health and wellness in the workplace. Companies submit their entries and are judged based on the tangible steps taken in order to create a healthier, happier and more productive workforce. Thus, we determined the likely receptive industries in the UAE based on the number of companies who were already doing corporate health and wellness and would want to win the only initiative that aims to recognize the corporate health efforts of UAE based organizations. We compiled all entries and winners of the annual Daman Corporate Health awards. Entries were found for the year 2017, but only the winners were announced for the years 2018 and 2019. We then sorted the companies by industry sector and took the top 5 sectors with the most number of companies as the 5 industries likely to be receptive to a corporate Health & Wellness offering in the United Arab Emirates.

Part

of 34

Part

Kuwait - Large Corporates

The healthcare, banking, news and media, telecommunications, and hospitality and tourism are five industries identified in the below findings as likely to be receptive to a corporate health & wellness offering in Kuwait. Outside naming each industry, there is a description of each industry and why each industry would be receptive to the corporate offering.
The Healthcare IndustryThe healthcare industry is likely to be receptive to a corporate health & wellness offering in Kuwait.
This industry is the sector of the economy that consists of businesses that specialize in medical products and services related to health and wellbeing. Some companies in this sector are into the provisions of "medical services, medical equipment or drugs, medical insurance, or otherwise facilitate the provision of healthcare to patients."
Why this industry would be receptive is because one of the leading players in the industry, Hadi Clinic, has been the significant sponsor of the corporate health & wellness movement in Kuwait since 2016.
This industry would also be receptive to a corporate health & wellness offering in Kuwait because other players in the industry have been attendees at the health and wellness associated events developed by Vigor-Events. The attendees include Al Rashid Hospital, New Mowasat Hospital, and Taiba Hospital.
The Banking IndustryThe banking industry is likely to be receptive to a corporate health & wellness offering in Kuwait.
This industry is the sector of the economy that consists of businesses that deal with monetary and other financial transactions, keeping them in safe custody and at the same time, using them as economy-drivers. Some companies in this sector offer "savings accounts, certificates of deposit, checking accounts, and loans."
Why this industry would be receptive is because one of the significant players in the industry, Ahli Bank Kuwait (ABK), was a gold sponsor of the corporate health & wellness movement in Kuwait in 2018.
This industry would also be receptive to a corporate health & wellness offering in Kuwait because other players in the industry have been attendees and sponsors at the health and wellness associated events developed by Vigor-Events. While the sponsors are Ahli United Bank and HSBC, the attendees include Kuwait International Bank, Gulf Bank, and the Central Bank of Kuwait.
The News And Media IndustryThe news and media industry is likely to be receptive to a corporate health & wellness offering in Kuwait.
This industry is the sector of the economy that consists of businesses that share in "the production, publication, and distribution of media texts," either via the traditional or new media. Some companies in this sector engage their audience via media texts to either inform, entertain, influence thoughts, or for the patronage of products and services.
Why this industry would be receptive is because some significant players in the industry were strategic partners and event sponsors of the corporate health and wellness movement in Kuwait in 2018. For instance, the International Advertising Association (IAA), Kuwait Chapter, is a Gold sponsor of the movement.
A few significant players in this industry include the Arab Times, the Kuwait Times, the Executive, and the Business.
The Telecommunications IndustryThe telecommunications industry is likely to be receptive to a corporate health & wellness offering in Kuwait.
This industry is the sector of the economy that consists of businesses that "provide the infrastructure for data transmission and communications." Some services offered by companies in this sector include wireless and cellphone service, Internet service, fiber optic networks, and among other things.
Why this industry would be receptive is because some significant players in the industry like Dawrat, Click, Yabila, and CP were sponsors and partners of the corporate health & wellness movement in Kuwait in 2018.
This industry would also be receptive to a corporate health & wellness offering in Kuwait because other players in the industry have been attendees and sponsors at the health and wellness associated events developed by Vigor-Events. While the sponsors include Zain Telecom, FutureTech, and Wataneya Telecom, some attendees were Viva Telecom, Zajil International Telecom Company, and Gulfnet Communications Co.
The Hospitality And Tourism IndustryThe hospitality and tourism industry is likely to be receptive to a corporate health & wellness offering in Kuwait.
This industry is the sector of the economy that consists of businesses that are associated with "restaurants, hotels, casinos, amusement parks, event planning, cruises, entertainment, traveling, airline, and other tourism-related services." Many services offered by companies in this sector are interwoven and dependent on one another.
Why this industry would be receptive is because two leading players in the industry, Vigor-Events and AlGas Events, have been the significant organizers of the corporate health & wellness movement in Kuwait since 2016.
This industry would also be receptive to a corporate health & wellness offering in Kuwait because other players in the industry have been attendees and sponsors at the health and wellness associated events developed by Vigor-Events. While the sponsors include Holiday Inn — Salmiyah, Spa Aquatonic, and Marina hotel, some attendees were Kuwait Hotel Co. and Kuwait Airways.
Research StrategyWe started our findings by identifying companies associated with corporate health & wellness offering in Kuwait. After concise research, we determined that Vigor-Events is one company that is very passionate about wellbeing at work. Its last health and wellness event was held on January 29, 2019, but it has been on this path since 2016. Vigor-Events was "founded to support business vitality and vivacity."

As a result, we identified companies that have been sponsors and partners of these events, particularly the ones involved in the 2018 edition. We also identified other companies in the list of corporate sponsors and attendees at these seminars organized by Vigor-Events.

After identifying some of these companies, we segmented them into five industries likely to be receptive to a corporate health & wellness offering in Kuwait. The reason why these industries are likely to be receptive is that some significant players in these industries are already sponsoring, partnering, and attending the wellness movement conferences organized by Vigor-Events.

Part

of 34

Part

United Arab Emirates - Insurers: Part Two

The additional top 5 health insurers in the United Arab Emirates, according to market share, are Emirates Insurance, Union Insurance, Salama Islamic Arab Insurance, Takaful Emarat Insurance, and Al Buhaira National Insurance. Below are the detailed findings.
 Emirates Insurance
  Website link.
Established in 1982, the semi-government enterprise operates with a team of 250 employees across 30 locations in the UAE.
In 2017, the company held a market share of 2.40% and generated annual revenue of $293.36 million.
To cover individuals, workers, families, and travelers, the company offers four types of health insurance plans, i.e., Basic, Standard, Enhanced, and VIP.
The company has partnered with NAS (Third Party Administrators) to manage medical benefits and claims efficiently. Further, the company provides a NAS Card for direct access to various medical services and network providers in the UAE.
 Union Insurance
  Website link.
Established in 1998, the public-listed company offers a comprehensive range of insurance services for individuals, businesses, and government entities. Insurance coverage includes areas like life, automotive, health, property, liability, engineering, marine, among others.  
In 2017, the company held a market share of 2.34% and generated annual revenue of $285.68 million.
The company mainly offers two types of health insurance plans for individuals, i.e., SANAD for dependents (spouse, parents, and children) holding a valid Dubai Visa and Essential Benefits Plan (EBP) for low-income (below AED 4,000) workers.   
Some unique health insurance plans offered by the company include Flexi-Life Plan, Million Dollar Plan, and Single Premium Plan.
 Salama Islamic Arab Insurance
  Website link.
Established in 1979, the company is the largest and oldest Sharia’h compliant Takaful insurance solutions provider in the world. 
In 2017, the company held a market share of 1.80% and generated annual revenue of $220.18 million.
The company offers flexible health insurance plans for individuals and enterprises. Range of services includes inpatient, outpatient, and daycare benefits; maternity, dental, vision, and behavioral plans; international and repatriation assistance, among others.
Takaful Emarat Insurance
Established in 2008, the company is a leading cooperative provider of Shariah-compliant life and health takaful services in the UAE.
In 2017, the company held a market share of 1.30% and generated annual revenue of $158.90 million.
The company offers Personal Health+ comprehensive medical coverage plans for individuals and families. Some unique features include coverage of AED 15,000
 for prescription drugs, AED 3,000 for dental procedures, and more than 20 physiotherapy sessions. 
Al Buhaira National InsuranceEstablished in 1978, the company is a leading insurance provider in the UAE, having nine branches across the country.
In 2017, the company held a market share of 1.20% and generated annual revenue of $146.32 million.
The company offers specially structured medical insurance plans for corporate organizations, individuals, and families. 
Al Buhaira offers a network of 1500 medical providers, 63 hospitals, 593 accredited clinics, 51 diagnostics centers, and 989 pharmacies.

Research StrategyTo get the five additional top health insurers in the United Arab Emirates, we used a precompiled list by Atlas Magazine, a leading global insurance publication. We used this list as our foundation because it has listed the companies according to their market share. In addition, the list was compiled by a reputable publication in the insurance industry. As the precompiled list only has the companies and their respective market shares; to get additional details, we used other credible sources like reports and articles published by Medarabia, Mordor Intelligence, MyMoney Souq, among others.

During our search, we could not find information on the top five health insurers that insure most people in the UAE. We employed the following strategies in search of this missing information.

We began our search by looking for information on health insurance industry reports of the UAE. We looked for information on sites like Market Research, Imarc Group, IBIS World, Euromonitor, among others. With this strategy, we could find information on the overview of the insurance industry in the UAE, trends, growth, among others. However, there was no information found on the top health insurance companies in the UAE. Also, the entire reports were accessible behind the paywall. We had thought that this strategy might work as sites like these publish research reports on various topics and may have published this information.

Next, we searched for information on sites that specialize in publishing information on the insurance industry like the Middle East Insurance Review, Global Insurance, Asia Insurance Review, among others. Our idea here was to see if any of these websites have published such information through their publications. This strategy did not work as there was no information on top health insurance companies in the UAE. We had thought that this strategy would work as sites like these publish news, updates, among others, on the insurance industry and may have published the required information we could use to answer the research questions. We could only find information on the market size, growth, trends in the insurance industry in the UAE. 

Further, we went through articles and media publications such as Arab Times Online, Khaleej Times, Gulf News, among others. Our idea here was to find comments from industry experts, company spokesperson, among others, to collect the relevant information. This strategy was not fruitful as the information found was about the overview of the insurance industry in the 
UAE, trends in health insurance, among others. We had thought that this strategy might work as media sites like these publish news on various businesses, trends, among others, and may have published information on the top five insurers that insure the most people in the UAE.

Finally, we decided to expand our research scope and look for a list of top insurance companies in the UAE. With this strategy, we could find information on the top 25 insurance companies in the UAE by 2017 turnover on the Atlas Magazine website.  Next, we looked for information on the websites of the top 10 companies provided by Atlas Magazine to confirm the information on these companies individually to see the number of health insurance policies they have sold in the UAE. In search of this information, we went through each company's official website, its press releases, annual reports, and others. However, there was no information on the number of people these companies have insured. Also, we looked through external sources like industry publications, media publications, and others, to find information on the number of health insurance policies sold by these companies in the UAE. Still, this strategy was not useful in getting the required information. 

Since we could not find information after using/employing the above strategies, we have provided the additional top 5 companies based on their overall turnover. We assumed that they are also the top 5 companies in the health insurance segment in UAE as these companies also sell health insurance products.

Part

of 34

Part

Kuwait - Insurers: Part Two

The next five top health insurers in Kuwait are Dubai Insurance, RAK Insurance, Al Dhafra Insurance, Al Sagr Insurance, and Dar Al Takaful. The companies' websites, along with the company and product descriptions, are available below.
Dubai InsuranceWebsite The company's website can be accessed here. 
Description Dubai Insurance offers Group Life and Personal Accident, Group Medical, and Global Swiss Life Employee Benefits.
 It also offers GUARDIENNE, which is "a family protection plan against cancer" and a program goal of assisting families and offering assistance. This type of coverage is intended to reduce financial hurdles and provide both practical and emotional support. It works by granting a lump sum payment after a cancer diagnosis and covers adults and two children for free. 
Rewards ProgramsThey do not offer a rewards program. 
Market Share and RevenueIn 2017, the company held a market share of 1.06% and had a total annual revenue of $129.71 million.
RAK InsuranceWebsiteThe company's website can be accessed here. 
DescriptionThe company offers RAK Essential Medical, Dubai Essential Medical, and Group Health plans. The RAK Essential Medical Policy offers both out-patient and in-patient facility benefits, maternity coverage, etc. The Dubai Health Authority approved RAK insurance to provide essential health benefits (EHB) at a reasonable cost to employers.
RAK gives one of the key differentiators to be its mobile app with an innovative procedure from the initial quote to secure payment with the click of a virtual button. 
Rewards ProgramsThe Dubai Essential Medical plan offers enhanced variations through benefits such as network offering, billing options, and add-ons. 
Market Share and Revenue In 2017, the company's market share was 1.05%, and its total annual revenue was $128.45 million. 
Al Dhafra InsuranceWebsiteThe company's website can be accessed here. 
DescriptionAl Dhafra is entirely owned by the U.A.E. Nationals and was incorporated in 1979. It has 181 employees and has been rated "Baa1 Stable Outlook” Insurance Financial Strength Rating (IFSR) by Moody’s Investors Service in April 2018 and endorsed the same in July 2019".
The company's products range from UAE, UAE Plus, and UAE Plus Worldwide. Its comprehensive network of providers is said to include the best hospitals and clinics in the UAE.
In 2017, the company had a market share of 0.93% and an annual revenue of $91.57 million. 
Rewards ProgramsAn exceptional insurance record leads to attractive discounts for valued customers. They do not have a formal health and reward programs.
Al Sagr National Insurance (ASNIC)WebsiteThe company's website can be accessed here. 
Description The company was incorporated in December 1979 and can transact all insurance types. The company has branches throughout the UAE. It experienced steady asset growth every year and reached AED 971 million at the end of 2018. 
ASNIC has a "Financial Strength Rating of B+ (Good) by A.M. Best Europe — Rating Services Limited."
The company's product offerings include a range of group, individual, and ME products with unique benefits. Valued clients are provided personalized attention, effective value-added services, flexible plans, comprehensive coverage, and prompt processing and settlement of claims. 
Reward ProgramsAdditional benefits are given to be dental and optical benefits, along with other additional benefits. They do not have a formal health and rewards program. 
Market Share and RevenueThe market share in 2017 was 0.88%, and it had an annual revenue of $107.90 million.
Dar Al TakafulWebsiteThe company's website can be accessed here. 
DescriptionFor both families and individuals, the company offers Health Takaful. It claims to have an assortment of offerings with different aggregate limits and territorial scope. 
Dar Al Takaful declares itself to be different from conventional insurance. 
Rewards ProgramsThe company does not have a formal rewards program. 
Market Share and RevenueIn 2017, the company had an annual revenue of $106.09 million and a market share of 0.87%.
StrategyWe identified the next five health insurers by market share using the Atlas document from the previous research that lists the top 25 companies by market share. We used the companies' websites to verify that they offered health insurance products. 

To identify specific rewards programs, we examined the companies' websites, however, no information regarding health and reward programs were available.  

Another tactic we attempted was examining the investor relation information, such as presentations and financial filings, to identify any mention of their rewards programs and any benefits received from such programs. However, we did not find any programs from this strategy either. 

As a separate attempt, we looked for customer reviews of each company to gain insights into any possible health and reward programs and public sentiment regarding any offerings. Again, there were no programs revealed from this strategy.

As a final attempt to identify specific rewards programs, we searched for external recommendations as well as news articles from regional publications and possible blogs that may discuss the programs. Still, we did not find any programs. 

In the instances where the companies referred to additional benefits for valued customers, we considered that as possible rewards for being preferred customers and included this in our findings. 

Part

of 34

Part

United Arab Emirates - Insurers: Part One

The top 5 top health insurers in the United Arab Emirates, according to market share, are Daman National Health, Orient Insurance, Oman Insurance, Abu Dhabi National Insurance, and Al Ain Ahlia Insurance. Below are the detailed findings.
 Daman National Health According to a report by Atlas Magazine, Daman National Health is the largest health insurer in the United Arab Emirates, with a market share of 12.28%. 
According to the company's website, Daman has 3 million users and covers more than 2000 hospitals and clinics. 
Daman Health insurance offers a variety of insurance services targeting individuals, families, and also low-income members. The company has three plans in the individual health insurance policy: Domestic Help, My Family, and Myself. 
All of Daman's plans cover pre-existing medical conditions
 and offer out-patient benefits. The plans can also avail optical and dental benefits,
 and cover pharmaceutical bills. 
 Orient Insurance Orient Insurance has a market share of 8.98% in the UAE health insurance market, making it the second-largest health insurer in the country. 
The company offers In-patient Cover, Out-patient Cover, Worldwide Cover, Regional Cover, Repatriation Cover, and Emergency Medical Evacuation, among others.  
 Oman Insurance Oman Insurance is the third-largest insurance company in the UAE, with a market share of 8.30%. 
The insurance company offers insurance policies that cover domestic help, drivers, and dependents of sponsors. In addition, it offers health insurance for companies with less than 100 people. 
 Oman Insurance offers direct billing for outpatients and inpatients and covers all chronic and pre-existing diseases.
 
 Abu Dhabi National Insurance, ADNIC ADNIC has a market share of 5.90%, making it the fourth-largest health insurer in the UAE.  
It is also called SHIFA medical insurance, ADNIC offers the facility of direct billing to clients and covers chronic or pre-existing medical condition. 
 The company offers maternity, optical, and dental covers. 
 Al Ain Ahlia Insurance Al Ain Ahlia Insurance is the fifth-largest health insurer in the UAE with a market share of 3.10%. 
The company offers Individual and Group Medical Insurance. In addition, the company also offers Employee Benefit Schemes. 

Research Strategy:To get the five of the top health insurers in the United Arab Emirates, we used a precompiled list by Atlas Magazine, a leading global insurance publication. We used this list as our foundation because it has listed the companies according to their market share. In addition, the list was compiled by a reputable publication in the insurance industry. We also used other sources to get additional details pertaining to the request, as the precompiled list only has the companies and their respective market shares.  

Part

of 34

Part

Kuwait - Insurers: Part One

Gulf Insurance and Reinsurance Company, Al Ahleia Insurance Co, Kuwait Insurance Company, Warba Insurance Company, and First Takaful are the top 5 insurance companies in Kuwait that provide health insurance. Below are the explicit findings and detailed methodology.
Top Health Insurers in Kuwait:
#1. Name: Gulf Insurance and Reinsurance Company (GIRI) 
Health and Reward Program: 
For its health insurance program, the company has signed many contracts with an extensive network of healthcare providers in Kuwait, consisting of all major Hospitals, Laboratories & Pharmacies, and Private Clinics. 
The company is known to introduce new, innovative, practical solutions and products to the healthcare insurance market; hence, it has achieved the top status in the country. GIRI became successful because it was the first insurer to introduce Direct Billing to the insurance market in Kuwait.
#2. Name: Al Ahleia Insurance Co. (S.A.K.) Health and Reward Program:
The company provides medical protection to the insured; this is, individuals, establishments, companies, societies, among others. 
Its group insurance policy provides cover to the insured anywhere they are around the globe, while with its individual health insurance program, the insured people have the freedom to go any hospital or doctor of their choice when they need to be treated.
#3. Name: Kuwait Insurance Company Health and Reward Program:
Kuwait Insurance Company’s health insurance program offers exceptional benefits of medical coverage to the insured individuals. It covers the necessary medical care, consisting of accommodation, treatment, and all medical needs. 
The health insurance coverage includes benefits like pregnancy & delivery coverage, the treatment in the outpatient clinics, dental treatment, treatment of chronic & pre-existing diseases, among others. 
#4. Name: Warba Insurance Company  Health and Reward Program:
Warba Insurance Company’s health insurance offers the most comprehensive array of Individual & Corporate Class Medical Insurance options and is designed to provide a sense of care when seeking attention from a medical professional at a decent cost & effective manner. 
The health insurance coverage includes benefits like inpatient, outpatient, dental & maternity treatments, with coverage claims ranging from KD 5,000/- & KD 10,000/-. 
#5. Name: First Takaful Health and Reward Program:
First Takaful health insurance coverage includes benefits like the treatment of inpatient, outpatient, dental, maternity & pregnancy, personal accident insurance, among others. 
The company’s medical travel assistance policy covers the contributor’s medical expenses during overseas travel for a period not exceeding 90 days. 

Research Strategy:During our search, we could not find information on the top five insurers that insure most people in Kuwait. We employed the following strategies in search of this missing information.

We began our search by looking for information on health insurance industry reports of Kuwait. We looked for information on sites like Market Research, Imarc Group, IBIS World, Euromonitor, among others. With this strategy, we could find information on the overview of the insurance industry in Kuwait, trends, growth, among others. However, there was no information found on the top health insurance companies in Kuwait. Also, the entire reports were accessible behind the paywall. We had thought that this strategy might work as sites like these publish research reports on various topics and may have published this information.

Next, we searched for information on sites that specialize in publishing information on the insurance industry like Me Insurance Review, Global Insurance, Asia Insurance Review, among others. Our idea here was to see if any of these websites have published such information through their publications. This strategy did not work as there was no information on top health insurance companies in Kuwait. We had thought that this strategy would work as sites like these publish news, updates, among others, on the insurance industry and may have published the required information we could use to answer the research questions. We could only find information on the market size, growth, trends on the insurance industry in Kuwait. 

Further, we went through articles and media publications such as Arab Times Online, Kuwait Times, Gulf News, among others. Our idea here was to find comments from industry experts, company spokesperson, among others, to collect the relevant information. This strategy was not fruitful as the information found was about the overview of the insurance industry in Kuwait, trends in health insurance, among others. We had thought that this strategy might work as media sites like these publish news on various businesses, trends, among others, and may have published information on the top five insurers that insure the most people in Kuwait.

Finally, we decided to expand our research scope and look for a list of top insurance companies in Kuwait. With this strategy, we could find information on the top five insurance companies in Kuwait by 2017 turnover on the Atlas Magazine website.  Next, we looked for information on the websites of the top 5 companies provided by Atlas Magazine to confirm if they provide health insurance in Kuwait. Further, we looked for information on these companies individually to see the number of health insurance policies they have sold in Kuwait. In search of this information, we went through each company's individual website, its press releases, annual reports, and others. However, there was no information on the number of people these companies have insured. Also, we looked through external sources like industry publications, media publications, and others, to find information on the number of health insurance policies sold by these companies in Kuwait. Still, this strategy was not useful in getting the required information. 

Since we could not find information after using/employing the above strategies, we have provided the top 5 companies based on their overall turnover. We assumed that they are also the top 5 companies in the health insurance segment in Kuwait as these companies also sell health insurance in Kuwait.

Part

of 34

Part

United Arab Emirates - Corporate Wellness Aggregators

Three corporate wellness aggregators in United Arab Emirates are Switch & Co., Fit On Click, and Rewardz-Flabuless.
Corporate Wellness Aggregators Helpful InsightsSwitch & Co.Website for Switch & Co can be found here. 
Switch & Co is a leisure, fitness and well-being mobile app.
 Its business is to create and maintain an ecosystem of top-quality leisure, fitness and well-being service providers on the platform. 
Switch & Co.'s estimated revenue is $4.2 million.
Fit On ClickWebsite for Fit On Click'scan be found here. 
Fit On Click is a one-stop shop for all the fitness, healthy food, and sports requirement in UAE. The company brings together fitness communities and help people/organizations enroll in fitness and sports or gamify the experience for better well-being in work and better company culture.
Fit On Click's estimated revenue is $4.8 million. 
Rewardz/FlabulessWebsite for Rewardz/Flabuless can be found here. 
Rewardz claims to be one of the largest player in digital rewards in Asia. Flabuless has been
 shortlisted for the Corporate Wellness Partner of the Year award 2017 by Danam Corporate Health Awards.
Rewardz's product Flabuless is a corporate wellness platform to provide solution for obesity and lifestyle-related illnesses in the UAE. Rewardz has over 600 reward partners in the e-commerce food and beverage, health and wellness, lifestyle services, shopping and retail, and travel and leisure categories.
Research Strategy:There were no rankings/leaderships available to define the top corporate wellness aggregator. However, we were able to provide three aggregators which are frequently mentioned in news and are awarded in corporate wellness space. We have performed the following strategies below.

Our first strategy was to look for already available company rankings of corporate wellness aggregators in UAE. We found top list of corporate wellness companies but there were no metrics available to defend the claim. Also, we found that these lists do not usually provide aggregators by checking their company descriptions. Like for source 11, Rewardz is the only aggregator on the list.

Since we could not find direct lists of top corporate wellness aggregators in UAE with metrics, we decided to look in company directories/databases such as Crunchbase, Hoovers, Linkedin, Zoominfo among others. The idea was to somehow have a list of aggregators that we can rank based on their revenues. We manually checked the companies to see if they can be considered aggregators based on their company descriptions. We found Fit On Click, and Switch & Co. as corporate wellness aggregators based in UAE. We were also able to find their estimated revenues on Zoominfo. Since we were only able to find two companies, we could not establish our top rank.

Third, we searched for industry reports and news in the corporate wellness space to look for aggregators. The idea was to find the corporate wellness aggregators that appear frequently in news articles, and reports. From this, we can assume that the aggregators that we found may be popular and noteworthy. We also searched for alternative metrics that we could use such as revenue growth or the number of clients/users. We were able to find three companies that are aggregators namely Switch & Co., Fit On Click, and Rewardz/Flabuless using this method. Unfortunately, we still cannot consider them as top due to the limited data, but we were able to determine that Fit On Click has increased its revenue to 300% since founding, Switch & Co. gained large funding and Flabuless was nominated in the Corporate Wellness Partner Award.

To summarize, we were able to provide three corporate wellness aggregators namely Switch & Co., Fit On Click, and Rewardz-Flabuless but we could not establish a solid metric to consider them as top aggregators. However, these companies showed noteworthy company growth and have received nominations that they are frequently mentioned in news regarding corporate wellness. 

Part

of 34

Part

Kuwait - Corporate Wellness Aggregators

After an extensive search through industry-related websites, health and wellness associations' websites, market research companies, and industry-related press articles, details on the top corporate wellness aggregators by scale do not appear to be available in the public domain. However, the research team was able to gather valuable insights about the number of workers covered by workplace wellness and the overall expenditure on corporate wellness in the country. 
Useful InsightsAs of 2018, 500,000 workers in Kuwait were covered under a workplace wellness plan. 
The total expenditure on workplace/corporate wellness was USD 84.2 million.
Kuwait ranks sixth in the list of top ten spa markets in the Middle East and North African region with 136 spas that brought in USD 134 million and employed 2,867 employees. 
In terms of revenue, the Kuwait fitness service industry grew at a cumulative annual growth rate (CAGR) of 6% between 2012 and 2017.
Between 2017 and 2022, the Kuwait fitness service industry is expected to grow at a CAGR of 9% in terms of revenue. 
Research StrategyWe commenced our research into corporate wellness aggregators in Kuwait by searching for market reports on the overall wellness industry in Kuwait. First, we explored the market research route and looked through primary research providers such as Ken Research, Markets and Markets, IBISWorld, and Mordor Intelligence amongst others. Our efforts did not yield any market reports on the overall corporate wellness market in Kuwait, let alone on the aggregators operating in the space. The Ken Research report on the fitness service market was the closest. We then looked through consulting firms in the region, but also hit the same result. Although Deloitte Middle East provided a report on the global wellness market, it did not contain any data or information related to Kuwait. 

We then expanded the scope of our research to the Middle East region and then the world and found a report by the Global Wellness Institute, which only provided the number of employees covered under a corporate/workplace wellness plan, as well as the total expenditure on workplace wellness in Kuwait. There were no details concerning corporate wellness aggregators in the country. 

Our next approach was to identify companies that offered corporate wellness in Kuwait to see if they referred to any aggregator as a partner they work with or if there was any mention of the company being listed on other platforms. Some of the companies we checked include Fitness First, but found no information regarding partnerships that point towards aggregators or similar companies.  

Our next approach was to find corporate wellness events and look at the sponsors of such events to see if any of them was an aggregator. However, we found no such sponsor in the events we perused such as "The World Happiness Effect Conference." We then switched strategy to conduct a press search on corporate wellness aggregators in Kuwait. What we mostly found were articles touting the importance of corporate wellness, while highlighting the progress made. For example, this article showcases a new initiative called "Wellness Movement" that was instigated by Hadi Clinic. 

After pursuing the above-listed strategies, we have concluded that there are likely no corporate wellness aggregators in the country. We posit that this may be because the industry is just starting to burgeon.  

Part

of 34

Part

United Arab Emirates - Doctors and Nurses

According to the statistics released by Federal Statistics and Competitive Authority, there are 23,107 doctors and 53,915
 nurses in the United Arab Emirates.
DoctorsAccording to the statistics released by Federal Statistics and Competitive Authority, there are 8,322 doctors in the government sector and 14,785 doctors in the private sector in UAE.
Overall, 23,107 people are employed as doctors in the United Arab Emirates. 
NursesAccording to the statistics released by Federal Statistics and Competitive Authority, there are 20,480 nurses in the government sector and 33,435 nurses in the private sector in UAE. 
Overall 53,915 people are employed as nurses in the United Arab Emirates. 

Part

of 34

Part

Kuwait - Doctors and Nurses

According to the most-recent data we could find, there were 27,124 nurses and 10,151 doctors in Kuwait in 2015. 
Number of Doctors and Nurses in Kuwait1. NursesWorld Bank reported that there were 6.969 "[n]urses and midwives (per 1,000 people)" in Kuwait in 2015. We were able to triangulate the number of nurses in Kuwait that year by finding Kuwait's 2015 population and conducting the calculation described in the following research finding.
To triangulate the number of nurses/midwives in 2015 in Kuwait, we first found that Kuwait's population in 2015 was 3,892,115. Since the aforementioned nurse/midwife ratio (6.969) was based on every 1,000 individuals living in Kuwait, we divided 3,892,115 by 1,000 which equals 3,892.115. Lastly, we multiplied that value (3,892.115) by 6.969 (the nurse ratio), which equals 27,124 (approximate number of nurses/midwives in Kuwait in 2015, rounded to the nearest whole number).
The Kuwait Times reported in 2018 that there were 23,900 nurses working in Kuwait's government sector. Of those nurses, just 900 were Kuwaitis (which equates to about 4% of all government-sector nurses in Kuwait). For reference, there were 1,102 Kuwaiti nurses in 2017 and that was the lowest number dating back to at least 2010 (we also included a screenshot of that data graph in this Google Doc).
A 2018 article stated that there were 2,884 nurses working in Kuwait's private hospitals. 
To put the aforementioned numbers into perspective, there were 13,544 nurses/midwives in Kuwait in 2009. 
2. DoctorsWorld Bank reported that there were 2.608 doctors for every 1,000 individuals "in Kuwait . . . in 2015." We were able to triangulate the number of doctors in Kuwait that year by using the same formula that we previously used for nurses (included below).  
To triangulate the number of doctors in 2015 in Kuwait, we first found that Kuwait's population in 2015 was 3,892,115. Since the aforementioned doctor ratio (2.608) was based on every 1,000 individuals living in Kuwait, we divided 3,892,115 by 1,000 which equals 3,892.115. Lastly, we multiplied that value (3,892.115) by 2.608 (the doctor ratio), which equals 10,151 (approximate number of doctors in Kuwait in 2015, rounded to the nearest whole number).
In 2017, there were 3,413 "Kuwaiti physicians [working] in the [country's] government sector." 
A 2018 article stated that there were 1,045 doctors working in Kuwait's private hospitals. 
To put the aforementioned numbers into perspective, there were 5,340 doctors in Kuwait in 2009.
Research StrategyThe most-recent data we were able to find for both the number of doctors and nurses in Kuwait was from 2015. That data was published by World Bank. We looked very thoroughly for any more-recent data through articles and databases such as Statista. None of those numerous searches we conducted yielded data that applied to the total number of nurses and/or doctors in Kuwait. Rather, the more-recent data points we found from those searches pertained to (1) doctors and nurses working in Kuwait's government sector and (2) doctors and nurses working in Kuwait's private hospitals. That information came from Statista and news sources that included the Kuwait Times. Though those data points didn't apply to the total number of doctors and nurses, we included them nonetheless because of their direct relevance to this topic. We also tried to find sufficient information that would have enabled us to triangulate the number of doctors and nurses for a year more recent than 2015, but we didn't find any data that would have provided us with a reasonable basis upon which to formulate such calculations. Lastly, the data that stated the number of nurses and midwives collectively was the most-recent information we found pertaining to the total number of nurses in Kuwait, which is why we included it.  

Part

of 34

Part

United Arab Emirates - Primary and Secondary Health Care Facilities

The most recent data published by the UAE's (United Arab Emirates), Federal Statistics and Competitive Authority indicates that there are about 45 hospitals in the public sector versus 98 in the private sector. The public sector employs about 20,480 nurses, while the private sector employs around 33,435 nurses. The next sections include in-depth information regarding the number and nature of primary and secondary health care facilities in the UAE.
Primary and Secondary Health Care FacilitiesAccording to the most recent data released by the UAE Federal Statistics and Competitive Authority, there were approximately 45 hospitals, 8,322 physicians, and 20,480 nurses in the government sector in the UAE in 2017, while in the private sector, there were about 98 hospitals, 14,785 physicians, and 33,435 nurses.
SEHA, the Abu Dhabi Health Services Company, which is also the largest healthcare network in the UAE runs "12 hospitals with 2,644 beds, 46 primary healthcare clinics, 10 disease prevention and screening centers, three mobile clinics, one school clinic, two blood banks, four dental centers, two employee healthcare centers, and one vaccination center."
Annually, the SEHA facilities can accommodate over 100,000 inpatients, performs over 41,000 surgeries, and treats over five million outpatients. The institution employs an estimated 18,759 individuals in the region.
Nature of Primary and Secondary Health Care FacilitiesThe UAE primary and secondary health care facilities use the patient-centered medical home model and principles to serve UAE patients. Introduced in 2013, this approach seeks to provide structured, proactive, and coordinated care for patients as opposed to treating episodic illnesses.
The model has the patient in the center, who is then surrounded by the primary care doctor, nurse, dietician, counselor, specialty physician, laboratory, radiology, pharmacy, and the hospital.
The UAE patient-centered medical home approach aims to encourage quality care, involve patients, and scale up access and delivery options. It can also be likened to chronic care models' components like "clinical information systems, delivery system design, self-management, and community."
UAE's primary and secondary health care facilities model aims to strengthen the delivery of healthcare services throughout the entire patient journey, i.e., from the initial visit, through the referral process, up until the completion of treatment.
Likewise, some specific services fall within the scope of secondary care services delivered by public hospitals, and include "trauma facilities, obstetrics and gynecology, orthopedic, surgical services, and the treatment of lifestyle diseases."
Overall, the current model employed by UAE's primary and secondary health care facilities utilizes the expertise of primary care personnel throughout the patient care delivery journey with coordinated care between "primary, secondary, and tertiary healthcare services."
Research MethodologyYour research team has uncovered details regarding the number and nature of the primary and secondary health care facilities in the UAE. The information is well-documented in medical journals and reports, the UAE government websites, and the UAE Ministry of Health Website. On that note, the sources explored include Government.ae, Seha.ae, The Law Review, and BMC Health Services Research. Unfortunately, the current primary and secondary care model adopted by the UAE is relatively young; therefore, we did not uncover any quantitative data that shows how the region has performed under this new model. Overall, the findings above show the number and nature of the primary and secondary health care facilities in the UAE.

Part

of 34

Part

Kuwait - Primary and Secondary Health Care Facilities

Primary healthcare facilities in Kuwait are mostly located within health centers, while secondary health care facilities come in form of general hospitals. There are 6 general hospitals in Kuwait. The number of primary healthcare facilities remains unknown.

Primary healthcare in KuwaitIn Kuwait, primary healthcare is delivered through health centers which contain the following health facilities: general and family clinics, pregnancy and childcare clinics, diabetes clinics, dental clinics, preventative clinics, school clinics, ambulance and police clinics.
In Kuwait, there are 104 health centers. 
There are 56 diabetes clinics in Kuwait as of 2009.
As of 2014, there are 792 dental offices in Kuwait.
There are 840 public school clinics and 278 clinics in private schools in Kuwait.
There are 71 ambulance centers in Kuwait.

Secondary healthcareIn Kuwait, secondary healthcare is provided in general hospitals. There are six of them: the Jahra Hospital, the Amiri Hospital, the Mubarak Al-Kabeer Hospital, Al-Sabah Hospital, the Farwaniya Hospital and the Adan Hospital.
In total, there are 20 hospitals in Kuwait. The remaining hospitals are specialized and belong to the tertiary level of healthcare.

Kuwaiti healthcare systemFor citizens of Kuwait, healthcare is free and the system is run by the Ministry of Health. Within Kuwait, each region has its own general hospital.
For expats in Kuwait, healthcare isn't free. In some healthcare facilities, citizens are given precedence over foreigners in the morning, meaning expats don't get access to healthcare before afternoon.

RESEARCH STRATEGYThe number of primary healthcare facilities in Kuwait couldn't be identified because there is no information on the number of police health clinics, preventative care clinics, number of childcare clinics, maternal clinics, family clinics or general clinics in Kuwait. Recent information (from the past 2 years) seems to be scarce. Here is how we conducted the research.

We started our search by looking directly for information on the number of primary and secondary healthcare facilities in Kuwait. We were confident this information was provided by the local government or the local media sources, such as Arab Times, Al Jarida and the Ministry of Health website, but what we found this way was information on healthcare expansion plans in general.

We decided to approach the request by searching for ways to calculate the information. We searched for descriptions of the primary and secondary level of healthcare in Kuwait, but the most recent comprehensive information dated back to 2009. The local government hasn't specified this information. Our aim was to find out which facilities are considered primary-care in Kuwait, to search for information on how many of them exist individually, but since we weren't able to find recent information on this topic, we moved on.

In the last attempt to find recent information, we searched public statements from the local officials in charge of healthcare, such as the local Minister of Health, Sheikh Dr. Bassel Al-Sabah, in interviews or similar types of addressing the public. We aimed to locate direct statements from these individuals that mention the number of primary and secondary care facilities, but we found that the officials haven't mentioned any relevant information pertaining to the primary or secondary healthcare sectors in Kuwait. Instead, the statements mostly focused on local healthcare incidents and leadership replacements.

In lack of more recent findings, we searched for information on the number of each type of primary healthcare facilities in Kuwait (identified in the outdated report). We consulted the website of the local government, local media sources and searched for comprehensive lists for each type of primary healthcare facility, but even after a wide-reaching search, we were unable to find how many primary healthcare facilities exist in Kuwait because we haven't found relevant data for some of the primary healthcare facilities.

Part

of 34

Part

United Arab Emirates - Private Health Insurance Ownership

After an extensive such through health insurance related market reports and studies websites, news articles and government reports, details on the percentage of private insurance ownership in the United Arab Emirates do not appear to be available in the public domain. Below are some valuable insights that we gathered during the research.
Useful InsightsIn 2006 the government of Abu Dhabi introduced a significant health system reform program that required all citizens and expatriates to have private health insurance.
In 2014, Dubai also began to introduce mandatory health insurance. About one third of its residents were estimated to be insured by 2014.
The remaining emirates are expected to introduce the mandatory private health insurance for their citizens and the expatriates.
 Dubai and Abu Dhabi have their own health authorities for licensing, regulation and quality assurance. The Ministry of Health is the regulator and the main provider of most healthcare services in the remaining Emirates.
The law requires Expats to have private health insurance in some emirates such as Abu Dhabi and Dubai.
According to Graham Coutts, a Director in the insurance team at Fitch Ratings, “Competition remains intense in the UAE health insurance sector.'' This is due to the regulatory changes, which made health insurance compulsory. This was an incentive for new insurance providers to enter the market and consequently increasing competition.

RESEARCH STRATEGYWe started looking for private health insurance ownership percentage in the United Arab Emirates from market reports and studies such as BMC Health Services Research and KPMG. Little information is available on the population that uses private or public health insurance. We found out that Abu Dhabi and Dubai have different health authorities from the other emirates. They provide mandatory health insurance for their citizens and expatriates. The others are expected to emulate the law soon. However, there is no information that breaks down the population that have public and private health insurance. Information on supplementary coverage for private health insurance owners was also not available.

Our next approach was to look at government websites such as UAE website. While there was information on the nature of health insurance in the United Arab Emirates, there was no information that shows the number of people who have public or private health insurance. We also looked into news articles such as PR News, Khaleej Times and Gulfnews. Information provided in this news articles show an increase in the number of insurance providers but no information on the actual number of people with private health insurance. There was no information on supplementary coverage on the news and government sources.

We also attempted a search in academic articles such as NCBI. There was no information showing the number of citizens and expatriates that have private health insurance. We found out that while the reform that aimed at ensuring all citizens and expatriates receive a mandatory private health insurance has been implemented in Abu Dhabi and Dubai it is yet to be implemented by other emirates. Also, the NCBI article did not have information on supplementary insurance coverage.

Part

of 34

Part

Kuwait - Private Health Insurance Ownership

Approximately 65% of the population in Kuwait has private health insurance, which likely includes supplemental policies. 
As of 2016, the most recent year for which data is available, 65% of the Kuwaiti population has private health cover, the majority of whom are expatriates who have only limited cover through the government's plan.
This percentage likely includes supplementary coverage, as expatriates often require an additional plan to cover prescription medications that are not on the state-subsidized drug list.
Kuwaiti nationals who have private health insurance coverage do so because they want "to avoid crowded public facilities or to obtain drugs with limited availability."
Research StrategyThe percentage of Kuwait's population that has private health insurance was found readily available in an analysis of the country's healthcare industry published in 2017. Although this data is for 2016, which would normally be beyond our 24-month limitations, this was the most recent information available. We attempted to find more current data by searching for newer reports from IMS Health, the company that published the 2016 report, but there are no newer reports available. The government's healthcare website provided information on the compulsory nature of health insurance in Kuwait, but did not provide a breakdown of the population that has public or private insurance. Then, we turned to other academic research reports from sources such as NCBI, OECD, World Bank, and others, but the only statistics available were on the amount Kuwait spends on its public health insurance option. As such, we determined that the 2016 data is the most recent available.

There was no direct information on whether the percentage of the Kuwait population that has private health insurance includes those with supplementary insurance. The IMS Health report does not mention supplementary insurance, but it does indicate that expatriates need additional health coverage to pay for prescriptions. This indicates that a separate prescription policy is purchased to supplement their "free" coverage from the government, which only provides limited coverage for non-emergency services. This is in contrast to the full coverage that Kuwaiti nationals receive from the government. 

We attempted to search for additional information regarding supplemental policies in Kuwait in academic reports such as those mentioned above, but again, supplemental insurance was not mentioned directly. Mostly, we learned that healthcare is in a state of crisis in Kuwait due to the increase in conditions like diabetes and obesity. We also discovered that women have a harder time getting healthcare than men, especially expatriate women. Our research veered toward expatriate sources such as ExpatFocus and World of Nomads, but the information gleaned here was only related to how expatriates living in Kuwait can obtain health insurance. Government sources likewise did not mention supplementary insurance, but instead advised expatriates to shop around for private policies and gave information on how to avoid insurance scams. In the end, we determined that while we could not provide an actual statistic for the percentage of people in Kuwait who have supplemental insurance, it is most likely included in the 65% of the population who have private health insurance overall.

Part

of 34

Part

Kuwait - Health Insurance Practices

Health insurance practices differ largely for nationals and expatriates in Kuwait. Nationals pay 7.5% of their salary into the social contribution fund monthly, whilst employers pay 11% into each of their Kuwaiti employees as well. Expatriates are required to pay a yearly fee of $430 for the basic healthcare services, with many opting to purchase additional private health insurance. Employers are not required to pay into health insurance plans for their expatriate workers. 
Health insurance for nationalsKuwait's health insurance is free of charge for its nationals. Kuwait's public sector provides more than 80% of hospital bed capacity and is in charge of over 30 hospitals which hold around 9,000 beds, and multiple clinics. 
This huge public sector role holds 30% of Kuwait’s 4 million populations who are nationals. Kuwaiti nationals can get all medical care without charge in public hospitals and are also entitled to healthcare abroad completely free of charge if the service is not available locally.
Health insurance for expatriatEsExpatriates make up 70% of the population of Kuwait. Each expatriate is required to purchase a "subsidized health insurance policy from the government to access basic services at public hospitals during certain hours of operation." 
Expatriates are unable to use public hospital services 24/7 and are only allowed to access hospital premises during the times allowed by the government. This is the reason why most expatriates purchase supplementary top-up health insurance, and this is either done by higher-income individuals for themselves or in other cases by employers.
 In 2016, the Kuwaiti government introduced Dhaman (the Kuwait Health Assurance Company) in the form of a public-private partnership (PPP), which is projected to cover approximately 2 million of the country’s 2.8 million expatriates. Dhaman is going to act as an integrated payer and provider organization that will collect premiums, process claims, and provide healthcare. 
The annual health insurance fee for public healthcare has been doubled for expatriates in 2019 and is now reported to be KD130 ($430). On top of that, when visiting a hospital, an expatriate will have to pay an additional fee of KD10 ($33) when receiving medical treatment at a polyclinic, KD30 ($100) per day for a stay in the intensive care unit, and KD50 ($165.70) per day for a stay in the hospital's regular unit not including surgeries and tests.
Kuwaiti government introduced online-only processing of all health insurance matters. Therefore, an individual will apply on the government website for their insurance coverage where they will also have to pay the annual fee at once to receive their health insurance.
There are around 50,000 different private healthcare plans available for expatriates, and this can be obtained through any website that offers private health insurance. Prices vary based on services covered in the plan.
Health insurance for employersEmployers are not required to pay health insurance plans for their expatriate workers. According to the Ministry of Health, the employer is "obliged to provide workers the necessary medical services and first aid kits" at the workplace only. 
Employers are required to "arrange required insurance coverage for workers with insurance companies against work injuries and occupational diseases" but this is limited to the workplace and is part of the standard working conditions according to labor law.
In the last five years, there has been increasing pressure on foreign companies to "provide private health insurance for expatriates working in Kuwait in order to reduce the burden on the public system" but this has still not become the norm. 
For Kuwaiti employees, employers pay a monthly fee under the Social Security Law which covers healthcare as well as pensions upon retirement. The employers contribute 11% while the employees pay 7.5% of their monthly salary into the social contribution fund, which can go up to a ceiling of KD2,250 per month.  

Part

of 34

Part

United Arab Emirates - Health Insurance Practices

Employers in Abu Dhabi and Dubai are required to provide their employees with health insurance cover. Individuals who are not covered by their employers can opt for Essential Benefits Plan (EBP) or private healthcare plan. 
EmployersEmployers in Abu Dhabi are required to provide their employees and their dependents with a health insurance cover. The dependants include "one spouse and up to three children under the age of 18."
In Dubai, employers are only required to provide coverage for employees.
Employers of domestic workers are also required to provide health insurance cover for them.
 Emirates of Ras Al-Khaimah, Ajman, Fujairah, Sharjah, and Umm Al-Quwain do not require employers to "provide health insurance to the employees."
Industrial and construction companies with over 500 employees are required to hire "UAE national health and safety officer."
The medical care provided to employees must be up to the standard set by "Minister of Labour and Social Affairs in consultation with the Minister of Health."
 Blue-collar employees are under the Essential Benefits Plan (EBP). Services offered include emergencies, maternity services, basic health care, vaccinations, and immunizations. Dental and gum exams, hearing and vision aids, and vision correction by surgery or laser services are not included.
IndividualsEmirati nationals are provided with free public health care.
Individuals who are not covered by their employers can opt for the Essential Benefits Plan (EBP) or private healthcare plan. The EBP is similar to the UAE public healthcare.
The Essential Benefits Plan (EBP) is "only available to individuals earning less than 4,000 AED" ($1,090) per month.
The Abu Dhabi government provides its residents with a full health care cover with access to "private and public healthcare providers registered within Daman's network." The citizens are given a Thiqa card after undergoing the Weqaya screening run by Abu Dhabi's health department.
Residents of Dubai and Abu Dhabi must have health insurance covers whether they are employed or not. Every uninsured is fined 500 AED ($136) per month. Dubai citizens through the Saada program are provided "treatment through a large network of healthcare providers in the private sector and DHA healthcare centers".
The free public healthcare covers emergencies, maternity services, basic health care, vaccinations, and immunizations.
Dental and gum exams, hearing and vision aids, and vision correction by surgery or laser services are not provided in the free public health care package.

Part

of 34

Part

United Arab Emirates - Health Expenditure

The total health expenditure for the United Arab Emirates (UAE) was $15 billion in 2018. The health expenditure as a percentage of the GDP in the UAE grew from 3.5% in 2016 to 3.6% in 2018. The total health expenditure per capita in the UAE grew from $1,323 in 2016 to $1,563 in 2018.
Health Expenditure Insights for the United Arab Emirates
In 2018, the total health expenditure for the UAE was $15 billion.
The GDP of the UAE in 2018 was around $414 billion.
Therefore, the total health expenditure as a percentage of the GDP in 2018 was 3.6% (15 billion/414 billion).
The population of the UAE in 2018 was around 9.6 million people.
Therefore, the total health expenditure per capita in 2018 was $1,563 ($15 billion/9.6 million).
In 2016, the total health expenditure as a percentage of the GDP in the UAE was 3.5%.
In 2016, the total health expenditure per capita in the UAE was $1,323.

Part

of 34

Part

Kuwait - Health Expenditure

The 2016 total health expenditure per capita and the health expenditure (% of GDP) for Kuwait were $1,068 and 3.90%, respectively. The 2019 total health expenditure per capita and the health expenditure (% of GDP) for Kuwait are estimated to be $924 and 5.44%, respectively.

Kuwait's Total Health Expenditure Per CapitaAccording to the World Health Organization (WHO) and World Bank, Kuwait's total health expenditure per capita in 2016 was $1,068.
Kuwait's total health expenditure per capita in 2018 was estimated to be $970.
Similarly, Kuwait's total health expenditure per capita in 2019 is expected to be $924.

Kuwait's Health expenditure (% of GDP)According to the World bank's database, Health expenditure (% of GDP) for Kuwait in 2016 was 3.90%.
Health expenditure (% of GDP) for Kuwait in 2018 was estimated to be 4.87%.
Similarly, Kuwait's total health expenditure (% of GDP) in 2019 is expected to be 5.44%.

RESEARCH STRATEGYWe started by looking for health expenditure data of Kuwait in health statistics databases such as WHO, World Bank, Macro Trends, OECD, and Statista. The most recent information available in these databases was for the year 2016.

We knew we had the components available to triangulate recent Health expenditure (% of GDP) and the total health expenditure per capita for Kuwait. Still, we wanted to see if we could find more precise numbers in other sources. As such, we began by looking for Kuwait's Ministry of Health and the Central Bureau of Statistics. Unfortunately, the Ministry of Health provided similar information as WHO, while the Central Bureau of Statistics has no data related to health expenditures.

Our last attempt to find direct numbers was to look at various media articles that might detail the recent health expenditure data of Kuwait. We looked in sources like PRN Newswire, CBSNews, Alanba, Kuwait Times, Al Watan Kuwait, Kuwait News Agency, and more. This strategy also turned futile as most of the sources provided the expenditure information of 2016. Hence, we assumed that the latest health expenditure statistics released by the government of Kuwait is for the year 2016. Therefore, we decided to triangulate the required information as provided below: 

Total Health Expenditure Per CapitaKuwait's total health expenditure per capita in 2016 was $1,068 (i.e.,8.6% decline from 2015). 
Kuwait's total health expenditure per capita in 2015 was $1,169 (i.e., 14.99% decline from 2014).
Kuwait's total health expenditure per capita in 2014 was $1,375 (i.e., 9.88% increase from 2013).
Kuwait's total health expenditure per capita in 2013 was $1,251 (i.e., 5.14% decline from 2012).

The average growth rate of the expenditure for the period of 2012-2016 = [(-8.6%)+(-14.99%)+9.88%+(-5.14%)]/4 = -4.71%

Assuming the same growth rate for the period of 2016-2019 and using Kuwait's total health expenditure per capita in 2016 as the initial value in the Omni Calculator, we calculated that;
Kuwait's total health expenditure per capita in 2018 is estimated to be $969.76 (approximately $970).
Kuwait's total health expenditure per capita in 2019 is estimated to be $924.09 (approximately $924).

Health expenditure (% of GDP)According to the World Bank,
Health expenditure (% of GDP) for Kuwait in 2016 was 2.57. 
Health expenditure (% of GDP) for Kuwait in 2013 was 2.59, a 0.78% increase from 2012 (calculated using the Omni Calculator).
Health expenditure (% of GDP) for Kuwait in 2014 was 3.20, a 23.55% increase from 2013 (calculated using the Omni Calculator).
Health expenditure (% of GDP) for Kuwait in 2015 was 4.01, a 25.31% increase from 2014 (calculated using the Omni Calculator).
Health expenditure (% of GDP) for Kuwait in 2016 was 3.90, a -2.74% decline from 2015 (calculated using the Omni Calculator).


The average growth rate of the health expenditure (% of GDP) for the period of 2012-2016 = [(-2.74%)+25.31%%+23.55%+ 0.78%]/4 = 11.72%

Assuming the same growth rate for the period of 2016-2019 and using Kuwait's total health expenditure (% of GDP) in 2016 as the initial value in the Omni Calculator, we calculated that;
Health expenditure (% of GDP) for Kuwait in 2018 was estimated to be 4.87%.
Health expenditure (% of GDP) for Kuwait in 2019 is estimated to be 5.44%.

Part

of 34

Part

United Arab Emirates - Government Policies Promoting Physical Activities

UAE has one policy that promotes physical activity in the country, and this is the School Health Policy. The School Health Policy was launched last April 2018, and it promotes physical activity from students in various private schools.
The School Health Policy 2018The School Healthy Policy was launched in Dubai last April 2018. 
It is a five-year policy that covers 12 programs that promote physical health and well-being in private schools. One of the policy’s program includes private schools encouraging 150 minutes of physical activity every week.
Additionally, the Government of Dubai and the Human Development Authority signed a memorandum of understanding to help implement this policy to all private schools in Dubai.
Research StrategyThe research team started the search by looking into pre-compiled information regarding government policies that promote physical activity in the United Arab Emirates (UAE). During the search, we were able to find articles regarding the initiatives launched by the government to promote physical activities. However, since policies are different from initiatives, we could not use this information directly for the research.

The team then decided to look into the government website of the UAE and see whether they have policies that help promote well-being. We hypothesized that the government website would contain published articles regarding the given topic. The team looked into the services provided by the government, as well as their laws and policies. We visited the “Legislation” section and looked into the laws and policies and procedures. However, after the search, we were not able to find anything that would help with the research. The team also looked into the health and fitness services and information to see if they have stored any information regarding policies about promoting physical activities in the country. However, health and fitness services did not have any indicative information regarding physical activities Moreover, health policies did not indicate any policy regarding physical activities. Additionally, the Ministry of Health also does not contain any laws or policies in public health that promote physical activities.

We then decided to do a news search in various reliable UAE news sites such as The National, Gulf News, Khaleej Times, and others to see if there are any recent developments or implemented policies regarding the promotion of physical activities in the UAE. Since it would not be feasible to look into every news article that was published during the last two years regarding policies that promote physical activities in the country, we decided to concentrate our efforts into the lifestyle and health section of each publication, as this section has the highest chance of having related news regarding the given topic. We also did an overall search regarding policy implementation within the country. The lifestyle section of the Gulf News did not have any news regarding policy implementation when it comes to promoting physical activities. We were able to find news from The National about the Dubai Healthy Authority planning to increase physical activity in students, but there was no information regarding if the policy was implemented. We looked into recent information regarding this, and the most recent article we found was from 2018, published by the Government of Dubai. In the article, it states that the Dubai Health Authority and the Human Development Authority has signed a Memorandum of Understanding in implementing a policy that includes private schools encouraging 150 minutes of physical activities to their students every week, among other things. We looked into the Government of Dubai’s legislation and the KHDA’s legislation to see whether the policy has been successfully implemented. We were able to find that the School Health policy was launched in April 2018. 

The team decided to look into research articles to see whether there were previous policies similar to the one discussed. We visited various research sites such as Research Gate, Hindawi, NCBI, and others. We were able to find a research article from Hindawi regarding health promotion in the different Arab Gulf States. The research article mentioned various policies from the Gulf States, and some of them were from the UAE. We decided to look into these references and found an announcement from the Ministry of Education about the reform of curricular activities when it comes to government schools. The reform primarily aims at increasing the health and physical literacy of the students, and there was nothing about promoting physical activities.

Lastly, the team decided to look into the UAE Vision 2021 to see if there are any policies regarding the promotion of physical activities. The team hypothesized that the UAE Vision 2021 might mention previous policies that promote physical activities, as the government might want to improve on them. We decided to concentrate on two aspects of the Vision that might contain policies that promote physical activities, and these are the World-Class Healthcare sector and the First-Rate Education system sector. However, none of these sectors mentioned any policies regarding the given topic. After the extensive and exhaustive search, the team concluded that the UAE might only have one policy that promotes physical activities within the country. 

Part

of 34

Part

Kuwait - Government Policies Promoting Physical Activities

The government of Kuwait has at least four policy plans to promote physical activity, including the Kuwait National Programme for Healthy Living, the Non-Communicable Disease National Strategy, and the Kuwait National Curriculum. 
The Kuwait National Programme for Healthy LivingThe government created a National Physical Activity Committee in 2010. This committee designed and implemented the first Kuwait National Programme for Healthy Living. 
The plan was executed by targeting eight sectors: the elderly, the workplace, religion, schools, malls, universities, the media, and food markets. 
The elderly were targeted through an educational campaign in the media.
The workplace was targeted through tools that include raising employees' awareness, education and skill-building, environmental and cultural support and development of workplace health policy. 
 Religion was targeted through increasing the awareness of religious leaders and associations. 
 Malls were targeted through point-of-decision prompts strategically located to promote people to walk and use the stairs rather than the elevator and by encouraging the utilization of the indoor space of malls for walking.
The Non-Communicable Disease National Strategy This policy plan is a part of Kuwait's National Development Plan and it will be carried out from 2016 to 2025. 
As tobacco use, physical inactivity, and unhealthy diet are the main drivers of the non-communicable disease (NCD) epidemic in Kuwait, physical activity will be promoted through this policy. 
The program will target individuals, communities, institutions, and the government in its promotion of physical activity.
 The NCD National strategy is aligned with global and regional NCD action plans. 
The National Health Sector Strategy, which will be implemented from 2018 to 2022, was developed with help from a mission of World Health Organization (WHO) staff and experts. 
The Kuwait National CurriculumThe Kuwait National Curriculum governs the curriculum in place in schools across the country. Part of this policy includes the Curriculum for Physical and Health Education in Primary Education. 
The policy mandates that children learn rules for various sports activities, how to play various sports activities, the benefits of good health activities, and more. 
Other Relevant Information The national health policy and directives are set by the High Council of Planning and Development. 
The Ministry of Health is responsible for developing plans and programs for the implementation of the health policies and directives by the High Council. 
The National Programme for Prevention and Treatment of Overweight and Obesity is a policy in place as of 2017. While its main goal is to reduce the prevalence of obesity and overweight in children, adolescents, and adults by 10%, it aims to achieve this through promoting changes in diet, not physical activity. 
An academic review of health promotion and obesity in Kuwait notes that a missing part of Kuwait's anti-obesity policy is an intersectoral strategy. An intersectoral strategy is one that includes health considerations across different sectors like transportation, agriculture, land use, housing, public safety, and education. 
Research StrategyTo identify the number of government policies that promote physical activity in Kuwait, we first reviewed academic and WHO publications. From these publications, we gathered the names of the policy plans included above. We also developed an understanding of how policy making works.

As mentioned above, the High Council of Planning and Development develops policy, and the ministries, in this case the Ministry of Health and the Ministry of Education, develop plans for how to implement the policy. So, we reviewed the website of the High Council of Planning and Development and the Kuwait Government website. However, no direct policy information was available, although some information may be available only in Arabic. The only direct policy information we could find was the Kuwait National Curriculum on physical education. 

Knowing that the ministries are responsible for the development and implementation of policy plans that stem directly from the policy created by the High Council, we determined that the next best source of information would be publications about the policy plans. This information was much more widely available, particularly through secondary sources like the WHO, which works closely with the government of Kuwait. Through this method, we were able to uncover the information disclosed above. 

Part

of 34

Part

Kuwait Executive Summary

We have provided a high-level consolidated summary of the 16 previously completed reports about Kuwait below.
Large Corporates OverviewThe healthcare, banking, news and media, telecommunications, and hospitality and tourism are the industries most likely to be receptive to a corporate health and wellness offering in Kuwait.
Part 1The leading healthcare companies in Kuwait are Varian Medical Systems, Taiba Hospital, Julphar, Diet Care, Fawzia Sultan Rehabilitation Institute, Kaya Skin Clinic, Hadi Clinic, Al Essa Medical and Scientific Equipment Co., InterHealth Canada, and Gulf Healthcare International.
Part 2The leading companies in Kuwait's banking industry, based on asset size, are the National Bank of Kuwait, Kuwait Finance House, Burgan Bank, Gulf Bank, Al Ahli Bank of Kuwait, Boubyan Bank, Commercial Bank of Kuwait, Ahli United Bank Kuwait, Kuwait International Bank, and Warba Bank.
Part 3The top companies in the news and media industry in Kuwait are Arab Times, The Kuwait Times, Kuwait News Agency (KUNA), Al Jarida, Al Rai, Al Anba (Kuwait), Al Qabas Newspaper, Al Seyassah, MarinaFM, and Al Nahar.
Part 4 Zain Bahrain, Hayat Communications, Viva, Future Communications, FastTelco, Qualitynet, Zajil International Telecom Company, ZAK Solutions Company, and B. Online are some of the leading companies in the telecommunications industry in Kuwait.
Part 5According to Gulf Talent, the leading companies in the Kuwaiti hospitality and tourism sector are AccorHotels, Qatar Airways, Al-Shamel Hotels, Ibis Hotel, Gastronomica, Kharafi Global, Jumbo Travel, Al Maktab Travel & Tourism Co., and Al Mulla Travel & Tourism.
Regulatory BoundariesThree potential regulatory barriers that may influence the success of Fitbit in the Kuwaiti market are the PPP law, licenses for ads and publications, and Kuwait's legal system.
According to the PPP law, fitness centers have to work with local providers, and Fitbit may not want to explore this option since it's expensive.
The new license for advertisement and publications for companies is demanding, cumbersome, and involves lots of bureaucracies. This, coupled with the regulations not conforming with industrial standards, will present a potential barrier to Fitbit's success in the Kuwaiti market.
The Kuwaiti legal system also contains ambiguity in regard to where disputes with local contractors are resolved. The legal system also tends to favor locals whenever disputes arise between them and foreign investors.
Insurers Part OneThe top five insurance companies in Kuwait that provide health insurance are Gulf Insurance and Reinsurance Company, Al Ahleia Insurance Co, Kuwait Insurance Company, Warba Insurance Company, and First Takaful.
Insurers Part TwoSome additional top healthcare insurers in Kuwait, based on market share and revenue, are Dubai Insurance, RAK Insurance, Al Dhafra Insurance, Al Sagr Insurance, and Dar Al Takaful.
Corporate Wellness AggregatorsAs of 2018, 500,000 workers in Kuwait were covered by a workplace wellness plan, with the total expenditure on workplace/corporate wellness reaching $84.2 million. 
After extensive research, we could not identify the top corporate wellness aggregators in Kuwait.
Doctors and NursesAs per the most recent statistics, Kuwait had 27,124 nurses and 10,151 doctors in Kuwait in 2015.  
According to the World Bank, there were 6.960 nurses and midwives per 1,000 people in Kuwait. Using this information, we triangulated the number of nurses and midwives in Kuwait to be 27, 124.
In 2018, there were 23,900 nurses working in the government sector and 2,884 working in the company's private hospital.
From the World Bank data that there were 2.608 doctors for every 1,000 individuals in Kuwait, we were able to triangulate the number of doctors in Kuwait in 2015 to be 10,151.
In 2018, there were 1,045 doctors working in Kuwait's private hospitals.
Primary and Secondary Healthcare FacilitiesPrimary healthcare in Kuwait is delivered through the country's 104 health centers.
Secondary healthcare in Kuwait is delivered through the country's six general hospitals, one for each region of the country.
Private Health Insurance OwnershipAs of 2016, 65% of people in Kuwait had private health insurance, the majority of whom were expatriates who could not get access to the government's free plan.
The private health insurance likely is likely to include supplementary coverage since expats need an additional plan to cover for prescription medications that are not subsidized by the government. 
Kuwaiti citizens who take private health insurance do so "to avoid crowded public facilities or to obtain drugs with limited availability."
Health Insurance PracticesHealth insurance in Kuwait differs significantly for Kuwait nationals and expatriates in the country.
Health insurance in Kuwait is free for the country's nationals. The Kuwaiti nationals get all their medical care in the country's public hospitals for free, and they can seek healthcare abroad for free if the healthcare service is not locally available.
As for expatriates in Kuwait, who consist of 70% of the country's population, they have to buy a "subsidized health insurance policy from the government to access basic services at public hospitals during certain hours of operation." 
In 2016, the government introduced a public-private partnership insurance model called Dhaman to collect premiums, process claims, and provide healthcare to close to 2 million expatriates in Kuwait.
In 2019, Kuwait hiked healthcare fees for expats, with the insurance premiums doubling to $430 annually.
Employers are under no obligation to provide healthcare insurance to expats in Kuwait, except for the basic medical and first aid facilities at the workplace.
For Kuwaiti employees, employers pay a monthly fee under the Social Security Law, which covers healthcare as well as pensions upon retirement. The employers contribute 11% while the employees pay 7.5% of their monthly salary into the social contribution fund.
Health ExpenditureAs per the World Health Organization and the World Bank, Kuwait's total health expenditure per capita in 2016 was $1,068. 
Kuwait's total health expenditure per capita was estimated to be $970 in 2018 and $924 in 2019.
According to the World Bank, Kuwait's health expenditure as a percentage of the GDP was 3.90%. 
We calculated the healthcare expenditure as a percentage of the GDP for Kuwait to be 4.87% in 2018 and 5.44% in 2019.
Government Policies Promoting Physical ActivitiesIn Kuwait, there are four policy programs that promote physical activities.
In 2010, the government created The Kuwait National Programme for Healthy Living and targeted eight sectors to raise awareness of physical activities.
Other government policy programs are The Non-Communicable Disease National Strategy, The Kuwait National Curriculum, and The National Programme for Prevention and Treatment of Overweight and Obesity.

Part

of 34

Part

United Arab Emirates Executive Summary

A high-level, consolidated review of the 16 completed reports related to United Arab Emirates in the project has been provided below.
Regulatory BoundariesThere are several regulatory barriers that would impact Fitbit's venture into the United Arab Emirates.
Fitbit would need to have a UAE national sponsor or agent in order to operate within the UAE. Fitbit's ownership of the business operations would be limited to 49%, unless it "can be found on the UAE Government 'positive sectors' list where up to 100 percent foreign ownership is allowed."
The ICT Health Law would prohibit Fitbit from transferring or using health data collected within the UAE outside the country. 
A yet-to-be-implemented GDPR-like law would force Fitbit to implement stricter policies regarding how it uses and shares data for consumers who are living and visiting the UAE.
Large Corporates — OverviewThe healthcare, industrial, financial, hospitality, and retail industries are the verticals most likely to be receptive to a corporate health and wellness offering in the United Arab Emirates.
Part IThe leading companies in the UAE healthcare industry are health systems such as SEHA, Dubai Health Authority, VPS Healthcare, Aster DM Healthcare, Emirates Healthcare, Zulekha Healthcare Group, NMC Healthcare, Mediclinic Middle East, Arabian Healthcare Group, and Ahalia Group.
Part IIBased on data from MEED Awards and Sheikh Khalifa Excellence Award, the leading companies in the industrial sector in the UAE are Al Shoumoukh Group, GRP Industries FZC, Ahmed Almazroei Metal Industries, STYRO LTD, Emirates Industrial Filters, Emirates Steel, Gulf Precast Concrete Company LLC, Al Raha Mechanical Equipment Company WLL, Excel Group of Companies, and Classic Metallic Sheets Factory LLC.
Part IIIThe leading companies in the financial industry in UAE by market cap are First Abu Dhabi Bank, Emirates NBD, Abu Dhabi Commercial Bank, and Abu Dhabi Islamic Bank. Top companies by profit are Dubai Islamic Bank, Mashreq Bank, Commercial Bank of Dubai, Dubai Investments, RAKBANK, and Sharjah Islamic Bank.
Part IVThe leading companies in UAE's hospitality industry are Marriott International, Hilton Group, Jumeirah Group, Emaar Hospitality, DAMAC, Rotana, Majid Al Futtaim, Al Habtoor Group, Hyatt, and Abu Dhabi National Hotels.
Part VThe leading companies in the retail industry in UAE are Majid Al Futtaim, Gulf Marketing Group, Al Tayer Group, Azadea Group and Alshaya. Other leading companies include Henkel UAE, Unilever UAE, Nestle Middle East, Bateel International, and Almarai Company.
Insurers: Part OneThe top five health insurers in the UAE based on market share are Daman National Health, Orient Insurance, Oman Insurance, Abu Dhabi National Insurance, and Al Ain Ahlia Insurance. Below are the detailed findings.
Insurers: Part TwoThe additional top five health insurers in the UAE based on market share are Emirates Insurance, Union Insurance, Salama Islamic Arab Insurance, Takaful Emarat Insurance, and Al Buhaira National Insurance. Below are the detailed findings.
Corporate Wellness AggregatorsThree corporate wellness aggregators in the UAE are Switch & Co., Fit On Click, and Rewardz-Flabuless.
Doctors and NursesThere are 23,107 doctors employed in the UAE with 8,322 in the government sector and 14,785 in the private sector.
There are 53,915
 nurses employed in the UAE with 20,480 in the government sector and 33,435 in the private sector.
Primary and Secondary Health Care FacilitiesThere are about 143 hospitals in the UAE with 45 in the public sector and 98 in the private sector. 
The UAE primary and secondary health care facilities employs a patient-centered medical home model and principles which seeks to provide structured, proactive, and coordinated care for patients as opposed to treating episodic illnesses.
Private Health Insurance OwnershipThe data on the percentage of private insurance ownership in the United Arab Emirates is not available in the public domain.
Since 2006, the government of Abu Dhabi requires all citizens and expatriates to have private health insurance.
The government of Dubai introduced mandatory health insurance and approximately 33% of its residents were estimated to be insured by 2014.
The remaining five states in the UAE are also expected to introduce the mandatory private health insurance for their citizens and the expatriates.
Health Insurance PracticesEmployers in Abu Dhabi are required to provide their employees and their dependents with a health insurance cover. Dependents are defined as a single spouse and up to three children aged below 18 years.
Employers in Dubai are required to provide health insurance only to their employees.
Employers in Ras Al-Khaimah, Ajman, Fujairah, Sharjah, and Umm Al-Quwain are not required provide their employees with health insurance.
Emirati nationals are provided with free public health care.
Individuals earning less than 4,000 AED ($1,090) without employer cover have access to the Essential Benefits Plan (EBP) or private healthcare plan. The EBP is similar to the UAE public healthcare.
Health ExpenditureIn 2018, the total health expenditure for the UAE was $15 billion. The UAE's GDP in 2018 was about $414 billion.
 Therefore, the total health expenditure as a percentage of the GDP in 2018 was 3.6% (15 billion/414 billion).
In 2018, the UAE's population was about 9.6 million people.
 Therefore, the total health expenditure per capita in 2018 was about $1,563 ($15 billion/9.6 million).
Government Policies Promoting Physical ActivitiesThe School Health Policy was the only identified policy that promotes physical activity in the UAE. It was launched by the Dubai Health Association in April 2018 and it aims to promote physical activity for students in private schools within Dubai.
The School Health Policy is a five-year policy that covers 12 programs related to physical health and well-being in private schools. One of the policy’s program encourages 150 minutes of physical activity every week for students.

Wonder

Middle East Mapping

United Arab Emirates - Regulatory Boundaries

United Arab Emirates Regulatory Boundaries

1. Having A Sponsor, An Agent or A Distributor

2. Data Sharing Prohibition (Data Localization)

3. Impending GDPR-like Law

Kuwait - Regulatory Boundaries

The Public-Private Partnership (PPP) Law

New License For Advertisement And Publications For Companies

The Legal System

Research Strategy

United Arab Emirates - Large Corporates: The Findings Part Five

Leading Retail Companies in UAE

1. Majid Al Futtaim

2. Gulf Marketing Group (GMG)

3. Al Tayer Group

4. Azadea Group - UAE

5. Alshaya

Leading Consumer Companies in UAE

1. Henkel

2. Unilever UAE

3. Nestle Middle East

4. Bateel International

5. Almarai Company

Research Strategy:

Approach and Methodology

How The Companies Were Chosen

How Information for Each Company Was Found

Kuwait - Large Corporates: The Findings Part Five

Accor Hotels

Qatar Airways

Al-Shamel Hotels

Gastronomica

Kharafi Global

Ibis Hotel

Jumbo Travel

Automated Systems Company (ASC)

Al Maktab Travel & Tourism Co.

Al Mulla Travel & Tourism

Research Strategy

United Arab Emirates - Large Corporates: The Findings Part Four

Marriott

Rotana

Hilton

Jumeirah Group

Emaar Hospitality

DAMAC

Majid Al Futtaim

Al Habtoor Group

Hyatt

Abu Dhabi National Hotels

Research Strategy

Kuwait - Large Corporates: The Findings Part Four

Zain Bahrain

Hayat Communications

Viva

Future Communications

Ooredoo

FastTelco

Qualitynet

Zajil International Telecom

ZAK Solutions Company

B. Online

United Arab Emirates - Large Corporates: The Findings Part Three

FINANCIAL COMPANIES — UAE

1. First Abu Dhabi Bank

2. Emirates NBD

3. Abu Dhabi Commercial Bank

4. Abu Dhabi Islamic Bank

5. Dubai Islamic Bank

6. Mashreq Bank

7. Commercial Bank of Dubai

8. Dubai Investments

9. RAKBANK

10. Sharjah Islamic Bank

RESEARCH STRATEGY

Kuwait - Large Corporates: The Findings Part Three

Al Rai Media Group Company

Kuwait News Agency (KUNA)