The 19th day of Ramadan also marks the anniversary of the death of Sheikh Zayed during the holy month of 2004.
This year, 16 years on and given the ongoing coronavirus pandemic, the country is reminded of his commitment to health care for his people and those of the rest of the world.
Growing up in Al Ain and Abu Dhabi, Sheikh Zayed would have been well aware of the terrible toll disease and ill health could take on an unprotected population.
Doctors and trained health workers were all but unknown even as late as the 1960s. Serious eye diseases were common, as was infant mortality, while the risk of women dying in childbirth has been estimated to be as high as one in three.
As Ruler’s Representative in the Eastern Region, it was Sheikh Zayed’s decision in 1960 to invite Christian doctors to set up the Emirate’s first health centre in Al Ain.
In the 50 years since, medics at what was first the Oasis Hospital and renamed the Kanad Hospital last December, have saved many thousands of lives and ensured the good health of many more.
The prosperity and fortunes of the UAE allowed the country to develop a sophisticated healthcare system from the 1970s, but Sheikh Zayed also turned his attention to those in need in other countries.
A meeting with former US President Jimmy Carter in 1990 led to Sheikh Zayed making a personal donation of more than $5.5 million (Dh20m) to the Carter Centre and its battle against Guinea worm disease.
In the three decades since, it has been estimated that around 80m cases of this crippling and debilitating parasitic disease have been prevented in rural Africa.
Examples of Sheikh Zayed’s generosity and that of the Ruling Family in his name, can be found all over the world.
The Sheikh Zayed Hospital in Lahore, Pakistan, was created with a donation by the UAE in 1986 and now has more than 1,000 beds.
It has become part of a medical campus that includes the Sheikh Khalifa bin Zayed Al Nahyan Medical and Dental College.
A year before his death, the Sheikh Zayed Medical Centre was established in the Punjab in his name.
In 1996, Sheikh Zayed founded what is now the Sultan Zayed foundation, whose charitable work has seen millions of dirhams given to support international health care.
They included the Sheikh Zayed Hospital in Ramallah in the West Bank while other medical facilities named in his honour include El Sheikh Zayed Specialised Hospital in Giza, part of Egypt’s Sheikh Zayed City, and the Sheikh Zayed Hospital in Baghdad, Iraq, which opened with facilities for 1,000 patients a day, even as the country struggled to recover from the US invasion and the toppling of Saddam Hussein.
Beyond the region is the Sheikh Zayed Institute for Pediatric Surgical Innovation at the Children's National Medical Center in Washington DC which opened in 2011.
In London, the Zayed Centre for Research into Rare Disease in Children, part of the world famous Great Ormond Street Hospital in London, welcomed its first patients last year.
The research centre was made possible by a Dh60 million donation from Sheikha Fatima bint Mubarak, chairwoman of the General Women’s Union and the wife of the late President.
Sheikh Mohamed bin Zayed, Crown Prince of Abu Dhabi, also continues his father’s vision. The Deputy Supreme Commander of the Armed Forces - who was born in the Oasis Hospital his father founded - has strongly supported the global fight against preventable diseases like polio and malaria, working with the Gates Foundation.
Last month, Sheikh Mohamed and Bill Gates discussed the battle against Covid-19. This Ramadan, the words of Sheikh Zayed also offer some guidance.
“Life is inconsistent and ever changing," he once said. “So are health and weather. We must, therefore, be prepared for the unexpected changes coming our way."
Remembering Sheikh Zayed
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THE SPECS
Engine: 6.0-litre, twin-turbocharged W12
Transmission: eight-speed automatic
Power: 626bhp
Torque: 900Nm
Price: Dh1,050,000
On sale: now
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Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
KEY HIGHLIGHTS
Healthcare spending to double to $2.2 trillion rupees
Launched a 641billion-rupee federal health scheme
Allotted 200 billion rupees for the recapitalisation of state-run banks
Around 1.75 trillion rupees allotted for privatisation and stake sales in state-owned assets
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Started: January 2021
Founders: Sanad Yaghi, Ali Al Sayegh and Shadi Joulani
Based: UAE
Number of employees: 140
Sector: B2B Vertical SaaS(software as a service)
Investment: $5.2 million
Funding stage: Seed round
Investors: Global Founders Capital, Colle Capital Partners, Wamda Capital, Plug and Play, Comma Capital, Nowais Capital, Annex Investments and AMK Investment Office
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