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WorldCare Health Insurance Plans - Comprehensive, worldwide cover

Our award-winning flagship WorldCare product is designed to be comprehensive and benefit rich, with different levels of cover to suit various lifestyles. Providing easy access to world-class health facilities worldwide, WorldCare provides our globally mobile members with peace of mind that they can access the best care both at home and overseas.  

There are four levels of cover to choose from, ranging from essential hospital care through to our most comprehensive plan which includes in and out-patient treatment cover, including dental and maternity. All our plans come with the great service Now Health International is renowned for, including our fast and accurate claims service and state of the art digital tools. 

WorldCare Essential

WorldCare Advance

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

WorldCare Advance is suitable for people who want all-round medical care.

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

  

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post-natal check-ups subject to Pre-authorisation

  • A cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Excel

WorldCare Excel 
covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post-natal check-ups subject to Pre-authorisation

  • A cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Apex

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period.

 

It is suitable for those people who want the highest level of cover and perhaps starting to plan a family.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 1

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iii) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

iv) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

WorldCare Membership Benefits

We’ve designed WorldCare plans to be simple and easy to use, so they fit into busy lifestyles. This means you don’t have to spend unwanted time accessing healthcare directly or submitting and chasing a claim.

What you’ll get

  • Benefit-rich products with flexible annual deductible optional add-ons
  • Clear, relevant information, so you know exactly what is and isn’t covered
  • Great service from people who respect your time and understand what matters to you
  • Straightforward processes and fast turnaround times, from joining to claiming
  • Expert service teams located around the world, offering 24/7 multilingual customer care and support in multiple languages
  • Direct Billing options, so you don’t have to be out of pocket
  • A No Claims Discount at renewal for those members lucky enough not to have needed to make a claim
  • Added value services included in your plan, including a second medical opinion service, crisis management support and global concierge for overseas treatment

Learn more about our Added Value Services here.

Digital Tools

We also offer state of the art digital tools to all our members, making it easier for you to utilise your WorldCare plan anywhere in the world, anytime. All our members have access to our:

  • Secure Online Portfolio: Members receive their own personalised log which enables them to view and download plan documents, see a summary of how much of their benefits have been used to date, submit claims and pre-authorisations online, track all your claims in real time, and even introduce us to their favourite medical provider.
  • Smartphone App: Our Smartphone App is available for download for both iPhone and Android. The App enables members to find the nearest doctor or specialist from within our provider network, make and book appointments, and submit claims.

Our digital tools are easy to use and we’ve created helpful explainer videos about how they work on our YouTube channel.

Like our plans, getting a quote online is a fast and simple process. You can use our online quote tool or you can request a call back if you want to discuss your options with a member of our team.

WorldCare Advance

WorldCare Advance covers your employees for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

WorldCare Advance is suitable for people who want all-round medical care and is also one of the most flexible of our products with multiple ways of adding additional benefits such as:

  • Routine maternity care
  • Routine and complex dental care
  • Wellness, optical and vaccinations

A restricted network additional option is also available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

To further reduce premiums, there are out-patient per visit excess and co-insurance on out-patient additional options. Co-Insurance Out-Patient Treatment is not available to Insured Persons with residence visas in the Emirate of Abu Dhabi.

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post-natal check-ups subject to Pre-authorisation

  • A cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates. For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Excel

WorldCare Excel 
covers your employees for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period.

 

For additional flexibility, it is possible to add routine maternity care and wellness benefits as additional options.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

To further reduce premiums, there are out-patient per visit excess and co-insurance on out-patient additional options. Co-Insurance Out-Patient Treatment is not available to Insured Persons with residence visas in the Emirate of Abu Dhabi. 

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post-natal check-ups subject to Pre-authorisation

  • A cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low-risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high-risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates. For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Apex

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period.

 

It is suitable for those employees who want the highest level of cover and are perhaps starting to plan a family.

 

For additional flexibility, it is possible to add wellness, optical and vaccination benefits as an additional option.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

To further reduce premiums, there are out-patient per visit excess and co-insurance on out-patient additional options. Co-Insurance Out-Patient Treatment is not available to Insured Persons with residence visas in the Emirate of Abu Dhabi. 

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 1

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iii) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

iv) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates. Help me decide What we don't cover Download PDF

WorldCare Membership Benefits

We’ve designed WorldCare plans to be simple and easy to use, so they fit into busy lifestyles. This means you don’t have to spend unwanted time accessing healthcare directly or submitting and chasing a claim.

What you’ll get

  • Benefit-rich products with flexible annual deductible optional add-ons
  • Clear, relevant information, so you know exactly what is and isn’t covered
  • Great service from people who respect your time and understand what matters to you
  • Straightforward processes and fast turnaround times, from joining to claiming
  • Expert service teams located around the world, offering 24/7 multilingual customer care and support in multiple languages
  • Direct Billing options, so you don’t have to be out of pocket
  • A No Claims Discount at renewal for those members lucky enough not to have needed to make a claim
  • Added value services included in your plan, including a second medical opinion service, crisis management support and global concierge for overseas treatment

Learn more about our Added Value Services here.

Digital Tools

We also offer state of the art digital tools to all our members, making it easier for you to utilise your WorldCare plan anywhere in the world, anytime. All our members have access to our:

  • Secure Online Portfolio: Members receive their own personalised log which enables them to view and download plan documents, see a summary of how much of their benefits have been used to date, submit claims and pre-authorisations online, track all your claims in real time, and even introduce us to their favourite medical provider.
  • Smartphone App: Our Smartphone App is available for download for both iPhone and Android. The App enables members to find the nearest doctor or specialist from within our provider network, make and book appointments, and submit claims.

Our digital tools are easy to use and we’ve created helpful explainer videos about how they work on our YouTube channel.

Like our plans, getting a quote online is a fast and simple process. You can use our online quote tool or you can request a call back if you want to discuss your options with a member of our team.

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