Enhanced WorldCare Essential



Major upgrade to core benefits, additional options and added value services!
Our most comprehensive review since 2011

What's new with WorldCare Essential?

In response to market feedback, we’ve upgraded our WorldCare plans to better serve our members' international healthcare needs.

Our enhanced WorldCare Essential plan is designed to cover members for the high costs associated with large medical events, so they can rest assured they can access in-patient and day-patient healthcare when they really need it.

With our enhanced plan, members will get exactly the same great standard of service that they've come to expect, but with even greater benefits and new added value services. What’s more, with our new in and day-patient annual deductible it may be possible to reduce premiums even further.


Key enhancements to WorldCare Essential include: 

  • Full refund now available for in/day and out-patient diagnostic procedures, e.g. MRI scans
  • Full refund now available for in-patient and pre/post-operative renal care, e.g. dialysis

Members will also get three brand new services including:

  • A second medical opinion with access to 53,000 highly renowned specialists globally
  • 24/7 Crisis Response Management to support members when they travel - from a pre-trip risk assessment, to helping with a lost passport
  • A global concierge service for arranging overseas treatment – from advice on finding the best provider, to help in booking appointments

Annual In/Day –Patient Deductible

  • Nil
  • RMB 6,300
  • RMB 15,750
  • RMB 31,500
  • RMB 63,000
  • RMB 94,500

Out-Patient Options

  • 10% Co-Insurance Out-Patient Treatment
  • 20% Co-Insurance Out-Patient Treatment
  • Out-Patient Charges

*Out-patient treatment is not included as standard for Essential. You only need to select one of these out-patient options if you have selected Out-Patient Charges Option 1 or 2 for this plan.

Additional Options

  • USA Elective Treatment
  • Extended Evacuation and Repatriation
  • Greater China Option
  • Hospital Room Restriction – PRC Residents Only
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