Enhanced WorldCare Excel



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

What's new with WorldCare Excel?

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

Our enhanced WorldCare Excel plan covers members for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance, and also includes routine and complex dental care.

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 Excel include: 

  • Increased benefit limit for out-patient renal treatment to RMB 630,000
  • Full refund for the maintenance of chronic conditions

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 – including country risk profiles and health alerts, to help keep members safe. 
  • 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
  • RMB 90 Out-Patient per visit excess
  • RMB 150 Out-Patient per visit excess

Additional Options

  • USA Elective Treatment
  • Extended Evacuation and Repatriation
  • Wellness, Optical and Vaccinations – Option 1
  • Wellness, Optical and Vaccinations – Option 2
  • Greater China Option
  • Hospital Room Restriction – PRC Residents Only
  • High Cost Provider Co-Insurance
  • High Cost Provider Restriction
  • In-Patient and Out-Patient Co-Insurance
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