Use the tables below to compare the benefits available under the four WorldCare and three SimpleCare options.  Select the Now Health plan that best suits where you live.  We have options for international customers, as well as those residents in Singapore, Dubai, Mainland China and Indonesia.

For full terms and conditions please download and refer to the Member's Handbook.

 

  • Full Refund
  • Not Covered
  • Subject to Limits
  • Optional
Benefit WorldCare Advance WorldCare Excel WorldCare Apex​ SimpleCare CORE SimpleCare 100
Maximum annual benefit limit Annual Max Plan Limit USD 3.5m Annual Max Plan Limit USD 4m Annual Max Plan Limit USD 4.5m Annual Max Plan Limit USD 1m Annual Max Plan Limit USD 1.5m
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Subject to Limits Subject to Limits
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Subject to Limits Subject to Limits
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Not Covered Not Covered
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Subject to Limits Subject to Limits
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees

Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings

Full Refund Full Refund Full Refund Not Covered Subject to Limits
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Full Refund Full Refund Subject to Limits Subject to Limits
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Full Refund Full Refund Full Refund Not Covered Subject to Limits
Routine and complex dental treatment

Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery

Not Covered Subject to Limits Subject to Limits Not Covered Not Covered
Routine maternity care

Medically necessary costs incurred during normal pregnancy and childbirth

Not Covered Not Covered Subject to Limits Not Covered Not Covered
USA elective treatment

Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network

Optional Optional Optional Not Covered Not Covered
Out-patient per visit excess

Opt for an out-patient treatment per visit excess in return for a reduced premium.

Optional Optional Optional Not Covered Not Covered
Restricted network#

Opt for our Restricted Network option – No benefit will be payable in respect of costs associated with eligible in-patient, day-patient or out-patient treatment made at either the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group. Please note that if you selected the USD 25 per visit out-patient excess or one of the Co-insurance Plan options, these will still apply in the Restricted Network. This option is only available for new plans in-force on or after 1 August 2015 and to United Arab Emirates Residents.

Optional Optional Optional Not Covered Not Covered
Co-insurance out-patient treatment

Opt to apply a co-insurance for out-patient treatment in return for a reduced premium. Not available to Insured Persons with residence visas in the Emirate of Abu Dhabi. 

Please note, for residents of the UAE with SimpleCare 100 plans, a default co-insurance applies to out-patient treatment;
the co-insurance varies depending on the tiering of the medical provider where you seek treatment. 

Optional Optional Optional Not Covered Subject to Limits
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF Download PDF
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Benefit WorldCare Advance WorldCare Excel WorldCare Apex​ SimpleCare CORE SimpleCare 100 SimpleCare 250
Maximum annual benefit limit Annual Max Plan Limit USD 3.5m Annual Max Plan Limit USD 4m Annual Max Plan Limit USD 4.5m Annual Max Plan Limit USD 1m Annual Max Plan Limit USD 1.5m Annual Max Plan Limit USD 1.5m
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Subject to Limits Subject to Limits Subject to Limits
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Not Covered Not Covered Not Covered
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Subject to Limits Subject to Limits Subject to Limits
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund Full Refund Full Refund
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Subject to Limits Subject to Limits Subject to Limits
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
Full Refund Full Refund Full Refund Not Covered Subject to Limits Subject to Limits
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Full Refund Full Refund Subject to Limits Subject to Limits Subject to Limits
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Full Refund Full Refund Full Refund Not Covered Subject to Limits Subject to Limits
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
Optional Subject to Limits Subject to Limits Not Covered Not Covered Subject to Limits
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
Not Covered Not Covered Subject to Limits Not Covered Not Covered Not Covered
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
Optional Optional Optional Not Covered Not Covered Not Covered
Out-patient per visit excess

Opt for an out-patient treatment per visit excess in return for a reduced premium.

Optional Optional Optional Not Covered Not Covered Not Covered
Wellness, optical and vaccinations

Added-value cover for wellness, optical and vaccinations (not available for WorldCare Essential or SimpleCare CORE)

Optional Optional Optional Not Covered Optional Optional
Medical history disregarded
We may be able to offer cover without asking for detailed medical information on your employees up-front (for compulsory group plans with 10 or more members)
Optional Optional Optional Optional Optional Optional
Restricted network#

Opt for our Restricted Network option – No benefit will be payable in respect of costs associated with eligible in-patient, day-patient or out-patient treatment made at either the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group. Please note that if you selected the USD 25 per visit out-patient excess or one of the Co-insurance Plan options, these will still apply in the Restricted Network. This option is only available for new plans in-force on or after 1 August 2015 and to United Arab Emirates Residents.

Optional Optional Optional Not Covered Not Covered Not Covered
Routine maternity care (Additional Option)

The option to add routine maternity cover to select plans (for compulsory group plans with 10 or more employees)

Optional Optional Not Covered Not Covered Optional Optional
Co-insurance out-patient treatment

Opt to apply a co-insurance for out-patient treatment in return for a reduced premium. Not available to Insured Persons with residence visas in the Emirate of Abu Dhabi. 

Please note, for residents of the UAE with SimpleCare 100 or SimpleCare 250 plans, a default co-insurance applies to out-patient treatment;
the co-insurance varies depending on the tiering of the medical provider where you seek treatment. 

Optional Optional Optional Not Covered Subject to Limits Subject to Limits
Removal of Drugs and Dressings limit

For SimpleCare 250 only. Removal of Drugs and Dressings limit under the Out-Patient benefit

Not Covered Not Covered Not Covered Not Covered Not Covered Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF Download PDF Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote Get a Quote Get a Quote

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