A young Azad Moopen growing up in rural Kerala learned early on about the haves and have nots.
Depending on the day, his childhood home was a tribunal, an arbitration centre or a counselling office, or all three at once, when it hosted village residents who sought out his father for help in clearing up disputes.
The elder Mr Moopen was a zamindar, or landowner, and held a position of respect in the family's village. A decade before his son was born, he had been a "freedom fighter" supporting efforts in Kerala to force the UK to leave India.
With such a family legacy, it is not surprising that the younger Moopen would learn to hold social work in high regard.
"Everybody preaches about charity but we always saw him practising that," says Ziham Moopen, Azad's daughter who has worked in a variety of roles in her father's company.
It was a charitable effort to raise money from Indian expatriates in the UAE that brought Dr Moopen to Dubai in 1987.
He was 34, married with young daughters and teaching internal medicine at Calicut Medical College in Kozhikode, the city also known as Calicut.
Dr Moopen had earned his degree in general medicine five years earlier at that campus and had eagerly joined the student union, becoming a student advocate classmates would recall nearly three decades later.
He had no intention to leave that life. "I thought I would stay in academia," he says.
But on that trip to Dubai, Dr Moopen saw what he described as a "primitive" healthcare system unable to care for labourers from the subcontinent who had come to the country for work.
The UAE in the late 1980s bore very little resemblance to the nation of today, with branded hospitals in "healthcare cities".
In 1987, there were only 50 Indian physicians working in the entire country, he says, compared with the 1,000 doctors from Kerala alone working here today.
"So I saw an opportunity to help myself as well as help people," says Dr Moopen, who had intended to stay for only a couple of years.
"I think it's God that pushes you in a particular direction and then you either take it up or you don't. When opportunity knocks at your door, you can either open up the door or you can complain about noise pollution."
So that year, he moved his wife and daughters - the youngest of whom was aged two - to the UAE.
Those first months in Dubai went by in a rush. Where Dr Moopen once engaged students in the classroom on internal medicine, he now treated as many as 150 patients a day in two five-hour shifts with a two-hour break in between.
He was no longer just an internist but also a gynaecologist, a general surgeon and a paediatrician. "The first few years it was sometimes scary to look at a child when you haven't treated one in five years," he says.
Word of mouth among those from the subcontinent that an Indian doctor was practising in Dubai kept the patients coming.
"Instead of coming with presents like a bouquet to show their respect and regard for you, they would come to you with patients as presents," Dr Moopen recalls. "They brought patients to give as their present."
He opened the Al Rafa Poly Clinic in Bur Dubai, the first facility in what would become a network of more than 90 clinics, pharmacies and hospitals with an annual turnover of US$150 million (Dh550.9m) a year.
In Kerala, Dr Moopen has opened the Malabar Institute of Medical Sciences (MIMS), a 600-bed hospital.
He attributes his success to a steadfast belief that philanthropy and medicine are two sides of the same coin.
"Health care, if you approach it as a business, first of all you are not going to be feeling personally accomplished," Dr Moopen says. "Second, I don't think you can be a success. Profit has to be the by-product. It shouldn't be the aim."
While most businesses rightly run on a strict regimen of profit and loss, healthcare companies have a greater responsibility, one that can't always be reconciled in a corporate ledger.
"Even from the paying capacity point of view, one patient may require a discount," Dr Moopen says. "One may require free treatment."
In addition to health care, Dr Moopen has taken an interest in education and has established three international schools in Saudi Arabia. He has plans to start a chain of schools in Kerala, as well.
Dr Moopen says 5 per cent - twice the zakat traditionally required of Muslims - of his profit is given to charity.
In the UAE, Moopen physicians offer free treatment at labour camps, helping workers with symptoms of heart disease, diabetes or mental health problems.
In India, MIMS offers free heart valve replacement surgery or cochlear implants, electronic devices to assist hearing, for children.
"There was this entire village with no medical facilities," Ms Moopen says of Vazhayoor, with a population of 2,000, in Kerala. "He just sort of adopted it."
Like his father, Dr Moopen stressed to his own children that the fortunate must help those who are not.
"When we were younger, he would tell us to send in a small amount - I think it was around Dh100 - to helping educate children in Africa," Ms Moopen says, recalling the update letters she and her sisters would receive in the mail about the children they were helping.
"He would help us get a sense of things. Over here in Dubai you don't really see poverty. It's quite easy to completely lose track of what's happening in the rest of the world."
Dr Moopen is making plans to make the transition from running his holding company DM Healthcare. The brand has been rechristened Aster, the Greek word for star.
He has already hand-picked leadership team of longtime executives and is planning to take the company public in three years. By 2015, he plans to relinquish the reins of the company he founded, a few years before its 30th anniversary.
"I won success at home; I have a nice loving family," Dr Moopen says in his small office adorned with photographs of himself with members of the UAE Royal Family and foreign dignitaries. "I have been successful in my profession. God has been kind to me.
In the two decades he has made his home and built a career in Dubai, Dr Moopen has travelled from labour camps to royal palaces, always with the same message: Health care for all.
"Now, I would like to allocate more time for helping people and reduce helping myself," he adds.
For Dr Moopen, retirement means returning his focus to India, more than 20 years after he had originally intended.
He sees his homeland as a new frontier, one where companies like his can find new markets. "In the 21st century, India and China will dominate the world. We are focused on India as the main area for growth in the next 15 or 20 years."
For the work he has already done to bring health care to the poorest of Indians, Dr Moopen was awarded the Pravasi Bharatiya Samman Award, the highest honour for Indians living abroad, in January.
Pratibha Devisingh Patil, the president of India, illustrated the importance of the Indian diaspora to its homeland by invoking the example of Mahatma Gandhi who was, she said, "the greatest NRI [non-resident Indian] who came back and changed the whole country".
Dr Moopen says NRIs "have to come back and not only send back money. They should personally get involved and come back and do something in the development of the country."
ashah@thenational.ae
Moon Music
Artist: Coldplay
Label: Parlophone/Atlantic
Number of tracks: 10
Rating: 3/5
The specs
Price, base / as tested Dh1,100,000 (est)
Engine 5.2-litre V10
Gearbox seven-speed dual clutch
Power 630bhp @ 8,000rpm
Torque 600Nm @ 6,500rpm
Fuel economy, combined 15.7L / 100km (est)
SPECS
Toyota land Cruiser 2020 5.7L VXR
Engine: 5.7-litre V8
Transmission: eight-speed automatic
Power: 362hp
Torque: 530Nm
Price: Dh329,000 (base model 4.0L EXR Dh215,900)
Formula%204%20Italian%20Championship%202023%20calendar
%3Cp%3EApril%2021-23%3A%20Imola%3Cbr%3EMay%205-7%3A%20Misano%3Cbr%3EMay%2026-28%3A%20SPA-Francorchamps%3Cbr%3EJune%2023-25%3A%20Monza%3Cbr%3EJuly%2021-23%3A%20Paul%20Ricard%3Cbr%3ESept%2029-Oct%201%3A%20Mugello%3Cbr%3EOct%2013-15%3A%20Vallelunga%3C%2Fp%3E%0A
The biog
Favourite Quote: “Real victories are those that protect human life, not those that result from its destruction emerge from its ashes,” by The late king Hussain of Jordan.
Favourite Hobby: Writing and cooking
Favourite Book: The Prophet by Gibran Khalil Gibran
Know before you go
- Jebel Akhdar is a two-hour drive from Muscat airport or a six-hour drive from Dubai. It’s impossible to visit by car unless you have a 4x4. Phone ahead to the hotel to arrange a transfer.
- If you’re driving, make sure your insurance covers Oman.
- By air: Budget airlines Air Arabia, Flydubai and SalamAir offer direct routes to Muscat from the UAE.
- Tourists from the Emirates (UAE nationals not included) must apply for an Omani visa online before arrival at evisa.rop.gov.om. The process typically takes several days.
- Flash floods are probable due to the terrain and a lack of drainage. Always check the weather before venturing into any canyons or other remote areas and identify a plan of escape that includes high ground, shelter and parking where your car won’t be overtaken by sudden downpours.
So what is Spicy Chickenjoy?
Just as McDonald’s has the Big Mac, Jollibee has Spicy Chickenjoy – a piece of fried chicken that’s crispy and spicy on the outside and comes with a side of spaghetti, all covered in tomato sauce and topped with sausage slices and ground beef. It sounds like a recipe that a child would come up with, but perhaps that’s the point – a flavourbomb combination of cheap comfort foods. Chickenjoy is Jollibee’s best-selling product in every country in which it has a presence.
LA LIGA FIXTURES
Friday
Granada v Real Betis (9.30pm)
Valencia v Levante (midnight)
Saturday
Espanyol v Alaves (4pm)
Celta Vigo v Villarreal (7pm)
Leganes v Real Valladolid (9.30pm)
Mallorca v Barcelona (midnight)
Sunday
Atletic Bilbao v Atletico Madrid (4pm)
Real Madrid v Eibar (9.30pm)
Real Sociedad v Osasuna (midnight)
MATCH INFO
Uefa Nations League
League A, Group 4
Spain v England, 10.45pm (UAE)
Story of 2017-18 so far and schedule to come
Roll of Honour
Who has won what so far in the West Asia rugby season?
Western Clubs Champions League
Winners: Abu Dhabi Harlequins
Runners up: Bahrain
Dubai Rugby Sevens
Winners: Dubai Exiles
Runners up: Jebel Ali Dragons
West Asia Premiership
Winners: Jebel Ali Dragons
Runners up: Abu Dhabi Harlequins
UAE Premiership Cup
Winners: Abu Dhabi Harlequins
Runners up: Dubai Exiles
Fixtures
Friday
West Asia Cup final
5pm, Bahrain (6pm UAE time), Bahrain v Dubai Exiles
West Asia Trophy final
3pm, The Sevens, Dubai Hurricanes v Dubai Sports City Eagles
Friday, April 13
UAE Premiership final
5pm, Al Ain, Dubai Exiles v Abu Dhabi Harlequins
MORE ON IRAN'S PROXY WARS
A State of Passion
Directors: Carol Mansour and Muna Khalidi
Stars: Dr Ghassan Abu-Sittah
Rating: 4/5
COMPANY%20PROFILE
%3Cp%3E%3Cstrong%3ECompany%20name%3A%3C%2Fstrong%3E%20Revibe%20%0D%3Cbr%3E%3Cstrong%3EStarted%3A%3C%2Fstrong%3E%202022%0D%3Cbr%3E%3Cstrong%3EFounders%3A%3C%2Fstrong%3E%20Hamza%20Iraqui%20and%20Abdessamad%20Ben%20Zakour%20%0D%3Cbr%3E%3Cstrong%3EBased%3A%3C%2Fstrong%3E%20UAE%20%0D%3Cbr%3E%3Cstrong%3EIndustry%3A%3C%2Fstrong%3E%20Refurbished%20electronics%20%0D%3Cbr%3E%3Cstrong%3EFunds%20raised%20so%20far%3A%3C%2Fstrong%3E%20%2410m%20%0D%3Cbr%3E%3Cstrong%3EInvestors%3A%20%3C%2Fstrong%3EFlat6Labs%2C%20Resonance%20and%20various%20others%0D%3C%2Fp%3E%0A
Director: Laxman Utekar
Cast: Vicky Kaushal, Akshaye Khanna, Diana Penty, Vineet Kumar Singh, Rashmika Mandanna
Rating: 1/5
Honeymoonish
%3Cp%3E%3Cstrong%3EDirector%3A%3C%2Fstrong%3E%20Elie%20El%20Samaan%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3EStarring%3A%20%3C%2Fstrong%3ENour%20Al%20Ghandour%2C%20Mahmoud%20Boushahri%3C%2Fp%3E%0A%3Cp%3E%3Cstrong%3ERating%3A%3C%2Fstrong%3E%203%2F5%3C%2Fp%3E%0A
Seemar’s top six for the Dubai World Cup Carnival:
1. Reynaldothewizard
2. North America
3. Raven’s Corner
4. Hawkesbury
5. New Maharajah
6. Secret Ambition
Analysis
Members of Syria's Alawite minority community face threat in their heartland after one of the deadliest days in country’s recent history. Read more
Venom
Director: Ruben Fleischer
Cast: Tom Hardy, Michelle Williams, Riz Ahmed
Rating: 1.5/5
More from Neighbourhood Watch:
Bookshops: A Reader's History by Jorge Carrión (translated from the Spanish by Peter Bush),
Biblioasis
The Brutalist
Director: Brady Corbet
Stars: Adrien Brody, Felicity Jones, Guy Pearce, Joe Alwyn
Rating: 3.5/5
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.
How to vote in the UAE
1) Download your ballot https://www.fvap.gov/
2) Take it to the US Embassy
3) Deadline is October 15
4) The embassy will ensure all ballots reach the US in time for the November 3 poll
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
MATCH INFO
Uefa Champions League semi-final, first leg
Bayern Munich v Real Madrid
When: April 25, 10.45pm kick-off (UAE)
Where: Allianz Arena, Munich
Live: BeIN Sports HD
Second leg: May 1, Santiago Bernabeu, Madrid
Electoral College Victory
Trump has so far secured 295 Electoral College votes, according to the Associated Press, exceeding the 270 needed to win. Only Nevada and Arizona remain to be called, and both swing states are leaning Republican. Trump swept all five remaining swing states, North Carolina, Georgia, Pennsylvania, Michigan and Wisconsin, sealing his path to victory and giving him a strong mandate.
Popular Vote Tally
The count is ongoing, but Trump currently leads with nearly 51 per cent of the popular vote to Harris’s 47.6 per cent. Trump has over 72.2 million votes, while Harris trails with approximately 67.4 million.