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 |
|||||||
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 |
|||||||
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 |
|||||||
Pregnancy and childbirth medical conditions
In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth |
|||||||
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
|
|||||||
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
|
|||||||
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings |
|||||||
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
|
|||||||
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
|
|||||||
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
|
|||||||
Routine and complex dental treatment
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery |
|||||||
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth |
|||||||
USA elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network |
|||||||
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. |
|||||||
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. |
|||||||
Out-patient per visit excess
Opt for an out-patient treatment per visit excess in return for a reduced premium. |
|||||||
Out-patient charges
A small amount of medical practitioner and physiotherapy benefits can be added to WorldCare Essential plans only |
|||||||
Co-insurance out-patient treatment
Opt to apply a co-insurance for out-patient treatment in return for a reduced premium. |
|||||||
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 | Get a Quote |
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 |
|||||||
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 |
|||||||
Pregnancy and childbirth medical conditions
In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth |
|||||||
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
|
|||||||
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
|
|||||||
In-patient and day-patient care
i) Hospital charges for in-patient and day-patient treatment ii) Related ancillary charges |
|||||||
Out-patient medical practitioner fees
Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings
|
|||||||
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
|
|||||||
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
|
|||||||
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
|
|||||||
Routine and complex dental treatment:
Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery
|
|||||||
Routine maternity care
Medically necessary costs incurred during normal pregnancy and childbirth
|
|||||||
USA Elective treatment
Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network
|
|||||||
Out-patient per visit excess
Opt for an out-patient treatment per visit excess in return for a reduced premium. |
|||||||
Wellness, optical and vaccinations
Added-value cover for wellness, optical and vaccinations (not available for WorldCare Essential or SimpleCare CORE) |
|||||||
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)
|
|||||||
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. |
|||||||
Out-patient charges
A small amount of medical practitioner and physiotherapy benefits can be added to WorldCare Essential plans only |
|||||||
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. |
|||||||
Co-insurance out-patient treatment
Opt to apply a co-insurance for out-patient treatment in return for a reduced premium. |
|||||||
Routine maternity care (Additional Option)
The option to add routine maternity cover to select plans (for compulsory group plans with 10 or more employees) |
|||||||
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) |
|||||||
Removal of Drugs and Dressings limit
For SimpleCare 250 only. Removal of Drugs and Dressings limit under the Out-Patient benefit |
|||||||
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 | Get a Quote |