Now Health International Plans

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.



Individual & Families
Companies

SimpleCare
SimpleCare WorldCare
CORE 100 250 Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit in USD
1M 1.5M 1.5M 3M 3.5M 4M 4.5M
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

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

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

Rehabilitation

Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment

Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Out-patient medical practitioner fees

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

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.

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.

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

Day-patient or out-patient surgery

Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department

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

In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

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)

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.

Routine maternity care (Additional Option)

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

 

Removal of Drugs and Dressings limit

For SimpleCare 250 only. Removal of Drugs and Dressings limit under the Out-Patient benefit

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)

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)

WorldCare
SimpleCare WorldCare
CORE 100 250 Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit in USD
1M 1.5M 1.5M 3M 3.5M 4M 4.5M
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

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

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

Rehabilitation

Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment

Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Out-patient medical practitioner fees

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

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.

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.

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

Day-patient or out-patient surgery

Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department

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

In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

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)

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.

Routine maternity care (Additional Option)

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

 

Removal of Drugs and Dressings limit

For SimpleCare 250 only. Removal of Drugs and Dressings limit under the Out-Patient benefit

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)

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)

  • Subject to LimitsSubject to Limits
  • Not CoverNot Covered
  • Full RefundFull Refund
  • OptionalOptional

Not sure which plan to choose?

Answer four questions to identify which plan is right for you.



  1. Are you looking for high benefit limits and worldwide cover, where you have a higher budget to spend?

  2. All plans cover hopitalisation. In addition, do you want to cover the cost of out-patient care?

  3. Do you want to cover the cost of routine dental treatment?

  4. Do you want to cover the cost of routine maternity treatment?


WorldCare Essential

WorldCare Essential is designed for people who want access to in-patient and day-patient care when they need it while minimizing their health insurance costs. You can choose a higher excess to lower your premiums if you only want cover for high-cost, infrequent medical events.

Want to know more about WorldCare Essential?

Click here to discover the benefits

WorldCare Advance

WorldCare Advance covers you for in-patient, day-patient treatment, and out-patient care, including GP and specialist appointments, physiotherapy and alternative therapies. It is suitable for people who are looking for all-round medical care.

Want to know more about WorldCare Advance?

Click here to discover the benefits

WorldCare Excel

WorldCare Excel cover in-patient, day-patient and out-patient treatment at higher benefit levels that WorldCare Advance. It also includes routine and complex dental care, after a nine-month waiting period.

Want to know more about WorldCare Excel?

Click here to discover the benefits

WorldCare Apex

WorldCare Apex is our highest level of cover. It includes in-patient, day-patient, and out-patient treatment and routine and complex dental treatment, at higher benefit levels that WorldCare Excel. It also includes routine maternity care after a waiting period of 12 months

Want to know more about WorldCare Apex?

Click here to discover the benefits

SimpleCare CORE

SimpleCare CORE is ideal for someone who wants protection for serious medical conditions and emergencies

Want to know more about SimpleCare CORE?​

Click here to discover the benefits

SimpleCare 100

SimpleCare 100 is suitable for those that want cover for major health events, as well basic cover for day to day medical expenses

Want to know more about SimpleCare 100?

Click here to discover the benefits

SimpleCare 250

SimpleCare 250 is designed for those looking for more extensive but affordable cover, with a higher aggregate benefit limit for day to day medical expenses

Want to know more about SimpleCare 250?

Click here to discover the benefits