What's new with our plans?
Exciting changes designed to make it easier to meet your customers' needs!
Following a recent Product Review of our WorldCare and SimpleCare plans, we've updated our plans and premiums with effect from 1st April 2025.
What's new and exciting?
✓ No premium increase to SimpleCare Individual & family plans!
✓ Annual deductibles no longer apply to Out-Patient Treatment on SimpleCare plans
✓ New deductible options on Worldcare plans
✓ New regional area of cover options on SimpleCare and WorldCare
✓ New wellness options on Worldcare, including cover for laser eye surgery!
✓ New option to remove maternity from Apex plan
What we continue to deliver!
✓ No claims bonus
✓ Family and large family discounts
✓ Mental health support
✓ World-class, award-winning Customer Service and Account Management
✓ Comprehensive health plans that are easy to understand
Stable pricing and new benefits added to our plans
We have made minimal premium increases to most of our individual and family plans to maintain competitiveness and ensure stability for your clients, and we are pleased to continue our commitment to long-term price sustainability by working with our partners globally to contain medical costs and inflation.
Continued 10% Family and 15% Large Family Discount
We continue to offer 10% discount to families with two adults and one or two children under the same policy. And 15% discount to a large family defined as two adults and three or more children under the same policy.
Continued Employee Assistance Programme (EAP) / Member Assistance Programme (MAP)
We will continue providing this as part of our ongoing commitment to supporting members with their well-being with access to confidential counselling on a range of life events to everyday issues.
New benefits and enhancements to our plans
We have introduced several new benefits and made enhancements to our plans, with the aim of improving coverage and providing additional support to our members.
Some of the enhancements we have made include:
New Cover Options
1.a. We have added new Regional Cover Options to WorldCare plans.New Options are available to reduce coverage from Worldwide excluding USA.
You can now select from various Regional Cover Options:
1. Europe Continent only (excluding UK, Germany & Switzerland)
2. South East Asia (excluding Singapore)
3. Africa Continent and Indian Subcontinent
4. Africa and Europe Continents and Indian Subcontinent
5. South Asia
6. Pacific Islands
1.b. Regional Cover Options of Europe Continent only (excluding UK, Germany & Switzerland), South Asia, Pacific Islands are added to SimpleCare plans.
Enhanced South East Asia (excluding Singapore) Australia and New Zealand have been added as eligible countries to receive Treatment if the South East Asia (excluding Singapore) Regional Cover Option has been selected.
The Regional Cover Option available to you will depend on your Country of Residence. You cannot select the US Elective option if you choose one of these area of coverage options.
2. New Deductible Options
We have introduced extra deductible options USD 150/EUR 120/GBP 95/SGD195/CNY 950; USD 250/EUR 200/GBP 155/SGD 325/CNY 1,570; USD 500/EUR 400/GBP 310/SGD 650/CNY 3,150 for WorldCare Essential, Advance, Excel and Apex plans.
SimpleCare deductible will now only apply to In-Patient and Day-Patient treatment only. If there is Out-Patient coverage as part of benefits, the selected deductible will no longer apply to these charges.
3. New Wellness and Vaccination Benefit
We have introduced a new Wellness and Vaccination Benefit up to USD 250/EUR 200/GBP 155/SGD 325/CNY 1,570. This is now available for purchase on all WorldCare Essential plans when Out-Patient Charges or Out-Patient Charges Option 2 has been selected, and on WorldCare Advance, Excel and Apex plans. A 6 month waiting period applies.
4. Wellness, Optical & Vaccination Benefit
We have added Wellness, Optical & Vaccination Optional benefit, up to USD 500/EUR 400/GBP 310/SGD 650/CNY 3,150 for selection on WorldCare Essential plans, if you have also selected an Out-Patient Charges or Out-Patient Charges Option 2. A 6-month waiting period applies.
5. New option to remove the Maternity benefit is added for WorldCare Apex plan. For our members who wish to purchase an Apex policy but do not require the maternity benefit, we now offer the option to remove this benefit.
If you select this option but want to add the Maternity benefit at a future renewal, you will be subject to an underwriting review and a 12-month waiting period will apply.
Please remember that all members on the same policy must have the same level of benefits.
Changes to Plan and Benefits
1. Traditional Chinese Medicine (TCM) & Ayurvedic Medicine – Separate benefit and new annual limits applied for WorldCare Advance, Excel and Apex plans.
New guidance is given on what information we need to assess whether a claim is eligible.
New Annual Limits have been applied as follows:
Advance – Up to USD 1,000/EUR 800/GBP 620/SGD 1,300/CNY 6,300
Excel – Up to USD 1,500/EUR 1,200/GBP 930/SGD 1,950/CNY 9,450
Apex – Up to USD 3,000/EUR 2,400/GBP 1,850/SGD 3,900/CNY 18,900
2. Vitamins and Minerals
You can now claim for eye lubricants prescribed by a medical practitioner under the Out-Patient charges benefit section iii) for WorldCare plans and under the SimpleCare Out-Patient charges benefit section iv).
3. Claim timeline
In the Handbook Section 3.1 Step 3, we have added the following final sentence: You may need to allow additional time for banks to process Your reimbursement for WorldCare and SimpleCare plans.
4. Maximum length of Prescription
We have added in WorldCare and SimpleCare handbooks Section 3:
3.12 What is the maximum length of prescription I can claim at one time?
Eligible medications prescribed by Your Medical Practitioner will be paid up to 3 months or to the end of Your policy date, whichever is the earlier.
5. Evacuation & Repatriation Benefits (including Extended Evacuation & Repatriation)
We have clarified that repatriation is only covered following an evacuation that is covered by Now Health International with WorldCare and SimpleCare plans.
6. Wellness Benefit Options
For all WorldCare Wellness Benefit Options that include Optical benefits we will now give cover for Laser Eye Surgery within the Optical benefit limit.
7. Dental Benefits
For all Dental Benefit Options of WorldCare and SimpleCare, we have clarified that:
Prescribed drugs and dressings related to dental treatment are covered under the Dental Benefits
For WorldCare plans only:
Dental Implants are covered under section ii) Complex Dental treatment.
8. A compulsory 20% Co-insurance will be applied to the Maternity benefit for WorldCare Apex plans.
For members who renew their existing Apex policy with us, we will waive the 20% co-insurance for one year. However, it will be applied from the subsequent renewal in 2026/27.
9. Out-Patient Per Visit Excess
The Out-Patient Per Visit Excess will now also be applied to all Out-Patient Treatments other than those covered under the Renal dialysis/Renal failure, Cancer and Organ Transplant benefits of WorldCare and SimpleCare plans.
Other Changes
Exclusions: We have revised the Morbid Obesity Exclusion to Obesity and weight loss. A new exclusion has been added for various Traditional Chinese Medicine treatments to WorldCare and SimpleCare plans.
We have now included the endorsement of the Contract usually located on your Certificate of Insurance within the Now Health International Limited policy wording of WorldCare and SimpleCare.
We have added wording for sake of clarity relating to Premium payment, Making a complaint and Data Protection for WorldCare and SimpleCare.
Please refer to the updated Member's Handbook, which will be available shortly, for further details.
If you have any questions about our 2025 Product Review, please contact your local sales office.
See our WorldCare Plan Changes 1 April 2025
See our SimpleCare Plan Changes 1 April 2025
