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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 Essential WorldCare Advance WorldCare Excel WorldCare Apex​ SimpleCare CORE SimpleCare 100 SimpleCare 250
Maximum annual benefit limit Annual Max Plan Limit USD 3m 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
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 Full Refund Subject to Limits 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 Full Refund Subject to Limits 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 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 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 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 Full Refund
Out-patient medical practitioner fees

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

 Subject to Limits 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 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 Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
 Not Covered 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

 Not Covered Not Covered 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 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 Optional Not Covered Not Covered Not Covered
Hong Kong hospital room restriction

For WorldCare Plans only. Reduce your premium by 10% by opting for Hong Kong-based hospital treatment in a semi-private room. Only available for residents of Hong Kong.

 Optional Optional Optional Optional Not Covered Not Covered Not Covered
HK & China hospital room restriction

For WorldCare Plans only. Reduce your premium by 10% by opting for Hong Kong-based hospital treatment in a semi-private room and private room accommodation for most China-based hospital treatments (except for four high cost facilities). Only available for residents of China.

 Optional 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.

 Not Covered Optional Optional Optional Not Covered Optional Optional
Out-patient charges

A small amount of medical practitioner and physiotherapy benefits can be added to WorldCare Essential plans only

 Optional Not Covered Not Covered Not Covered Not Covered 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.

 Optional Optional Optional Optional Not Covered Optional 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 Download PDF
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✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.
Benefit WorldCare Essential WorldCare Advance WorldCare Excel WorldCare Apex​ SimpleCare CORE SimpleCare 100 SimpleCare 250
Maximum annual benefit limit Annual Max Plan Limit USD 3m 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 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 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 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 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 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 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
 Subject to Limits 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 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 Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
 Not Covered 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
 Not Covered 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 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 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.

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

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

 Not Covered 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 Optional
Hong Kong Hospital Room Restriction

For WorldCare Plans only. Reduce your premium by 15% by opting for Hong Kong-based hospital treatment in a semi-private room. Only available for residents of Hong Kong.

 Optional Optional Optional Optional Not Covered Not Covered Not Covered
Out-patient charges

A small amount of medical practitioner and physiotherapy benefits can be added to WorldCare Essential plans only

 Optional Not Covered Not Covered Not Covered Not Covered Not Covered Not Covered
HK & China hospital room restriction

For WorldCare Plans only. Reduce your premium by 10% by opting for Hong Kong-based hospital treatment in a semi-private room and private room accommodation for most China-based hospital treatments (except for four high cost facilities). Only available for residents of China.

 Optional Optional Optional Optional Not Covered 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.

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

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

 Not Covered Optional Optional Not Covered Not Covered Optional Optional
Capped Cover

We may be able to offer limited or 'capped' cover for any pre-existing medical conditions (for compulsory group plans 5 - 19 employees)

 Not Covered Not Covered Not Covered Not Covered Optional Optional Optional
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 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 Download PDF
Get a Quote Get a Quote Get a Quote Get a Quote Get a Quote Get a Quote Get a Quote
✽ The out-patient direct billing restricted network option is only available to residents of Hong Kong and China. # The restricted network option is only available to residents of the United Arab Emirates.

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