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 UK, Europe, Singapore, Indonesia, Dubai, Hong Kong and Mainland China*.

For full terms and conditions please download and refer to the Member's Handbook.


 



Individual & Families
Companies

SimpleCare
SimpleCare WorldCare
CORE1 1002 2503 Essential4 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
Mortal remains

Transportation to country of nationality or country of residence
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 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; teleconsultation, vitamins and minerals
Maintenance of chronic medical conditions

Such as but not limited to asthma, diabetes and hypertension
Routine 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.
Menopause Hormone Replacement Therapy
Out-patient psychiatric illness
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
Evacuation and repatriation
In-patient and day-patient care

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

ii) Related ancillary charges
Rehabilitation
Congenital disorders
Pregnancy medical conditions
Out-patient medical practitioner fees
Maintenance of chronic medical conditions
Routine and complex dental treatment
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
Cancer treatment
Day-patient or out-patient surgery
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
CORE1 1002 2503 Essential4 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
Mortal remains

Transportation to country of nationality or country of residence
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 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; teleconsultation, vitamins and minerals
Maintenance of chronic medical conditions

Such as but not limited to asthma, diabetes and hypertension
Routine 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.
Menopause Hormone Replacement Therapy
Out-patient psychiatric illness
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
Evacuation and repatriation
In-patient and day-patient care

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

ii) Related ancillary charges
Rehabilitation
Congenital disorders
Pregnancy medical conditions
Out-patient medical practitioner fees
Maintenance of chronic medical conditions
Routine and complex dental treatment
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
Cancer treatment
Day-patient or out-patient surgery
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

SimpleCare CORE is not available on policies issued by AXA General Insurance Hong Kong Limited and Asia-Pacific Property & Casualty Insurance Co., Ltd, or by Arabia Insurance Company S.A.L for persons with residence visa in the Emirates of Dubai and Abu Dhabi

SimpleCare 100 is not available on policies issued by AXA General Insurance Hong Kong Limited and Asia-Pacific Property & Casualty Insurance Co., Ltd, or by Arabia Insurance Company S.A.L for persons with residence visa in the Emirates of Dubai and Abu Dhabi

SimpleCare 250 is not available on policies issued by AXA General Insurance Hong Kong Limited and Asia-Pacific Property & Casualty Insurance Co., Ltd, or by Arabia Insurance Company S.A.L for persons with residence visa in the Emirates of Dubai and Abu Dhabi

Worldcare Essential is not available on policies issued by Arabia Insurance Company S.A.L for persons with residence visa in the Emirates of Dubai and Abu Dhabi


*Plans issued in the United Arab Emirates (UAE) are insured by Arabia Insurance Company S.A.L. and are administered by Now Health International Gulf Third Party Administrators LLC.
Plans issued by Now Health International Limited, which is regulated by DFSA, are underwritten by Best Doctors Insurance Limited, which is regulated by the BMA.
Plans issued by Now Health International Services (Europe) Limited is authorised and regulated by the Malta Financial Services Authority, are underwritten by Starr Europe Insurance Limited.
Plans issued by Now Health International (UK) Limited is regulated by the Financial Conduct Authority. It is registered in England with No. 7121668. Policies are underwritten by Starr International (Europe) Limited.
Plans issued in Singapore are underwritten and issued by Sompo Insurance Singapore Pte. Ltd. Now Health International (Singapore) Pte. Ltd. is a general insurance agent of Sompo Insurance Singapore Pte. Ltd.
Plans issued in Indonesia are underwritten and issued by PT Sompo Insurance Indonesia in association with Now Health International.
Plans issued in Hong Kong are underwritten by AXA General Insurance Hong Kong Limited and arranged by Now Health International (Asia Pacific) Limited.
Policies issued in Mainland China are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd. and administered by Now Health International (Shanghai) Limited.