In addition to the other condition set forth in these Instructions, to licensing a Health Insurance Third Party Administrator, the following conditions must be satisfied:

1. The director of the company must be:
    
   1. Holder of a university degree with a minimum of three-year experience in health insurance third party administration or in any other field relevant to administration; or  
       
   2. Holder a high school deploma with a minimum of six-year experience in administration or any other field relevant to administration.  
       
2. The company must have a specialized key officer with a minimum of three-year practical experience in health insurance.  
    
3. The company shall employ at least one physician (exclusively or jointly with other companies) licensed by the competent authorities, to verify the treatment cases within the cost effectiveness limits during the treatment of Beneficiaries. Such physicians shall be professionally independent and their opinion should only be subject to medical requirements in their work. They shall not be entitled to provide or interfere in the medical treatment of Beneficiaries; and may not collect any fees from the Beneficiaries of health insurance.