Our Plans

Select the WorldCare plan that best suits where you live. We have options for international customers, as well as those resident in Singapore, Dubai, Mainland China and Indonesia.

WorldCare Plans for international residents

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WorldCare Plans in Detail

WorldCare Essential is designed to cover you for the high costs associated with large medical events. Our lowest-priced plan is for people who want to be sure they can access in-patient and day-patient healthcare only when they really need it.

 

WorldCare Essential covers in-patient and day-patient treatment worldwide. There are a wide range of excesses all the way up to USD 15,000 per medical condition for those people who want to keep their premiums as low as possible.

 

If you want a small amount of out-patient treatment, there is an option to add it for an additional cost.

 

Residents of Hong Kong can elect to receive hospital treatment in a semi-private room in Hong Kong or Hong Kong and China for a discount of 10%.

 

For full terms and conditions, download the members' handbook.

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

An out-patient direct billing additional option is available to residents of Hong Kong, which provides access to a network of restricted medical providers.  This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of Hong Kong can elect to receive hospital treatment in a semi-private room in Hong Kong or Hong Kong and China for a discount of 10%.

 

WorldCare Advance is suitable for people who want all-round medical care.

 

For full terms and conditions, download the members' handbook.

WorldCare Excel 
covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period.

 

An out-patient direct billing additional option is available to residents of Hong Kong, which provides access to a network of restricted medical providers. This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of Hong Kong can elect to receive hospital treatment in a semi-private room in Hong Kong or Hong Kong and China for a discount of 10%.

 

For full terms and conditions, download the members’ handbook.

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period. 

 

It is suitable for those people who want the highest level of cover and perhaps starting to plan a family.

 

An out-patient direct billing additional option is available to residents of Hong Kong, which provides access to a network of restricted medical providers. This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of Hong Kong can elect to receive hospital treatment in a semi-private room in Hong Kong or Hong Kong and China for a discount of 10%.

 

For full terms and conditions, download the members’ handbook.

WorldCare Plans for residents of Singapore

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WorldCare Plans in Detail

WorldCare Essential is designed to cover you for the high costs associated with large medical events. Our lowest-priced plan is for people who want to be sure they can access in-patient and day-patient healthcare only when they really need it.

 

WorldCare Essential covers in-patient and day-patient treatment worldwide. There are a wide range of excesses all the way up to USD 15,000 per medical condition for those people who want to keep their premiums as low as possible.

 

If you want a small amount of out-patient treatment, there is an option to add it for an additional cost.

 

Residents of Singapore can elect to receive hospital treatment in a semi-private room in Singapore and Hong Kong for a discount of 5%.

 

For full terms and conditions, download the members' handbook.

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

Residents of Singapore can elect to receive hospital treatment in a semi-private room in Singapore and Hong Kong for a discount of 5%.

 

WorldCare Advance is suitable for people who want all-round medical care.

 

For full terms and conditions, download the members' handbook.

WorldCare Excel 
covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period. 

 

Residents of Singapore can elect to receive hospital treatment in a semi-private room in Singapore and Hong Kong for a discount of 5%.

 

For full terms and conditions, download the members’ handbook.

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period. 

 

It is suitable for those people who want the highest levels of cover and are perhaps planning to start a family.

 

Residents of Singapore can elect to receive hospital treatment in a semi-private room in Singapore and Hong Kong for a discount of 5%.

 

For full terms and conditions, download the members’ handbook.

WorldCare Plans for residents of Dubai

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WorldCare Plans in Detail

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

WorldCare Advance is suitable for people who want all-round medical care.

 

For full terms and conditions Download the members' handbook

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

  

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post natal check-ups subject to Pre-authorisation

  • Cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include: FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Excel 
covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

For full terms and conditions Download the members' handbook

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 2

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) Medically Necessary costs incurred during normal Pregnancy and childbirth, including pre and post natal check-ups subject to Pre-authorisation

  • Cover is provided for eight visits to a Primary Healthcare (PHC) obstetrician for low risk patients and a specialist obstetrician for high-risk patients.
  • Visits to include reviews and checks and tests in accordance with the DHA antenatal Protocols. Initial investigations to include: FBC and platelets, blood group, rhesus status and antibodies, VDRL, MSU, urinalysis, rubella serology, HIV, FBS, randoms or A1C and for high risk patients GTT and Hepatitis C.
  • In-Patient maternity is limited to a maximum of USD 1,950 for normal pregnancy and USD 2,750 for C-section per Insured Person, per Period of Cover.
  • The cost of three antenatal ultrasound scans.

iii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iv) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

v) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

For maternity Benefit outside of the United Arab Emirates, the optional maternity Benefit must be selected or the Apex Plan chosen.

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period.

 

It is suitable for those people who want the highest level of cover and perhaps starting to plan a family.

 

A restricted network additional option is available to residents of the UAE, which offers a discount in return for limited access to any treatment in the American Hospital and associated clinics, City Hospital, Welcare Hospital and associated clinics of the Mediclinic Group.

 

For full terms and conditions Download the members' handbook

 

For those people who are resident or working in the Emirate of Dubai, the following benefits are automatically included:

 

Dubai Health Authority (DHA) Mandatory requirements Benefit – Tier 1

 

For Insured Persons holding a valid visa for the Emirate of Dubai this Plan is extended to provide coverage up to USD 41,000 in aggregate per Insured Person, per Period of Cover for the following basic health services within the Emirate of Dubai and for Emergency services within the United Arab Emirates:

 

 

i) Pre-existing Conditions including Maintenance of Chronic Medical Conditions.

ii) The costs of accommodation of an accompanying person as an In-Patient in the same room in cases that are Medically Necessary at the recommendation of the Medical Practitioner or Specialist. Subject to Pre-Authorisation and up to a maximum of USD 28 per night.

iii) Essential Vaccinations and inoculations for newborns and children as stipulated in the DHA policies and its updates, in assigned facilities.

iv) Preventive screening for diabetes and other screening as stipulated by the DHA every three years for Insured Persons above the age of 30 and every year for 18 years and above for Insured Persons considered high risk.

 

Unless otherwise indicated these Benefits will not be payable for Treatment outside the United Arab Emirates.

WorldCare Plans for residents of Mainland China

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WorldCare Plans in Detail

WorldCare Essential is designed to cover you for the high costs associated with large medical events. Our lowest-priced plan is for people who want to be sure they can access in-patient and day-patient healthcare only when they really need it.

 

WorldCare Essential covers in-patient and day-patient treatment worldwide. There are a wide range of excesses all the way up to RMB 94,500 per medical condition for those people who want to keep their premiums as low as possible.

 

If you want a small amount of out-patient treatment, there is an option to add it for an additional cost.

 

Residents of China can elect to receive hospital treatment in a semi-private room in Mainland China or with a co-insurance of 15% in return for a discount.

 

To reduce the premium further, there is also an additional option to cover treatment only within the Greater China region: Mainland China, Hong Kong, Macau and Taiwan.

 

For full terms and conditions, download the members' handbook.

WorldCare Advance covers you for in-patient, day-patient and out-patient treatment including GP and specialist appointments, physiotherapy and alternative therapies.

 

An out-patient direct billing additional option is available to residents of Mainland China, which provides access to a network of restricted medical providers. This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of China can elect to receive hospital treatment in a semi-private room in Mainland China or with a co-insurance of 15% in return for a discount.

 

To reduce the premium further, there is also an additional option to cover treatment only within the Greater China region: Mainland China, Hong Kong, Macau and Taiwan.

 

There are also additional co-insurance and restriction additional options to help make the plan as tailored as possible.

 

WorldCare Advance is suitable for people who want all-round medical care.

 

For full terms and conditions, download the members' handbook.

WorldCare Excel 
covers you for in-patient, out-patient and day-patient treatment at higher benefit levels than WorldCare Advance.

 

It also includes routine and complex dental care after a nine-month wait period.

 

An out-patient direct billing additional option is available to residents of Mainland China, which provides access to a network of restricted medical providers. This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of China can elect to receive hospital treatment in a semi-private room in Mainland China or with a co-insurance of 15% in return for a discount.

 

To reduce the premium further, there is also an additional option to cover treatment only within the Greater China region: Mainland China, Hong Kong, Macau and Taiwan.

 

There are also additional co-insurance and restriction additional options to help make the plan as tailored as possible.  

 

For full terms and conditions, download the members’ handbook.

WorldCare Apex
 is our most comprehensive plan with very high benefit limits. It includes in-patient, day-patient and out-patient treatment, at higher levels than WorldCare Excel, as well as routine 
maternity care after a 12-month waiting period.

 

It is suitable for those people who want the highest level of cover and perhaps starting to plan a family.

 

An out-patient direct billing additional option is available to residents of Mainland China, which provides access to a network of restricted medical providers. This is an excellent option for those people who want to access cashless out-patient medical treatment without the high cost of a nil excess.

 

Residents of China can elect to receive hospital treatment in a semi-private room in Mainland China or with a co-insurance of 15% in return for a discount.

 

To reduce the premium further, there is also an additional option to cover treatment only within the Greater China region: Mainland China, Hong Kong, Macau and Taiwan.

 

There are also additional co-insurance and restriction additional options to help make the plan as tailored as possible.  

 

For full terms and conditions, download the members’ handbook.

WorldCare Plans for residents of Indonesia

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WorldCare Plans in Detail

The most affordable package is designed for people who
want to be sure they can access in-patient and day-patient
care when they need it while minimising their health
insurance costs. You can choose a higher excess to lower
your premiums if you only intend to claim for
high-cost, infrequent medical events.

 

For full terms and conditions, download the members' handbook.

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

 

For full terms and conditions, download the members' handbook.

This plan covers you for in-patient, day-patient and
out-patient treatment at higher benefit levels than
WorldCare Advance. It also includes routine and complex
dental care after a nine-month waiting period.

 

For full terms and conditions, download the members’ handbook.

This is our highest level of cover. With very high benefit
limits, it includes in-patient, day-patient, out-patient, and
routine and complex dental treatment, at higher benefit
levels than WorldCare Excel. WorldCare Apex also includes
routine maternity care after a 12-month waiting period.

For full terms and conditions, download the members’ handbook.

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