Why You Should Choose Now Health as your Global Health Insurance Company:

For expats living abroad, it’s important to find the right global health insurance company that best meets your needs. We know that moving overseas can be an exciting but daunting experience, which is why at Now Health International we strive to deliver a hassle free, accessible approach to international health insurance. Let’s break down all the relevant factors to take into account, which will help you to select the most suitable package and why you should choose Now Health as your insurance provider! Furthermore, private medical insurance will be highlighted later.

As ex-patriates, expats, you may experience difficulty when looking for a suitable insurance plan, however this is a critical aspect of living abroad that cannot be overlooked. We offer a large variety of different packages and options for individuals, families and businesses in order to meet your personal needs. It can be assumed you have a lot of questions to ask:

Which scenarios am I covered for? Does the policy apply regardless of what country I live in? What’s the benefit of an international health care plan?

It is safe to say that most Western countries and other well-developed countries provide high-quality healthcare. However, in many less-developed countries, local hospitals and clinics might not be able to deliver the level of health care you require. International hospitals usually have state of the art facilities and better overall quality, in comparison to local hospitals because these institutions focus specifically on foreigners. The majority of local insurance companies cover some health care needs but usually for a very specific amount of time and with limited coverage. Therefore, if you travel often between continents and countries, or live in another country, Now Health is the perfect solution for complete coverage.

Our promise to our customers is in our name: 'Now' is clear, innovative and accessible. This means clear, relevant information, easy-to-use online tools and fast service from people who respect your time.

If you choose one of our multi-award winning international health insurance plans, we’ll guarantee you:

• Clear, relevant information, so you can tailor your plan to suit your needs
• An up-front approach to underwriting, so your clients know what they’re covered for and what they’re not
• Great service from people who respect your time and understand what matters to you
• A simple and fast claims processes – with claims turnaround within 5 working days
• A completely flexible involvement model that enables you to manage your program the way you want
• Products underwritten by Reinsurance Group of America Inc. (RGA) - a leader in the global health and life reinsurance sector
• Innovative digital tools to help you find a doctor and submit claims online
• Access to a provider network of over 1 million medical facilities and physicians worldwide
• In-house service teams located around the world, offering 24/7 multilingual customer care and support
• Direct Billing options, so you don’t have to be out of pocket
• 86% + Customer Retention rate!
• A clear ethical policy including a commitment to reduce the amount of paper we use

Get in touch with your local Sales Team to find out how we can help you find the best insurance plan, wherever life takes you!

What is international private medical insurance?

Our international private medical insurance offers much more than the local private medical insurance plans you may be used to. It ensures access to the best medical care anywhere in the world, not just in your country of residence, which is why international health insurance plans are often the best option for expats living and working abroad, who don’t want to worry about where their cover starts and stops every time they travel.

In comparison, local healthcare insurance plans are usually constructed to cover all, or a specific selection, of your medical expenses in your home country, but very limited once you leave your home country. It is different in every country but the basic picture is usually rather similar. It could be described as:

• Countries with free health care. For example: Sweden, United Kingdom, Germany
• Healthcare covered by social infrastructure and state providers. For example: the Netherlands
• Private healthcare insurance providers (this is usually most expensive but it allows private facility visits and reduced waiting schedules).

There is a great number of expatriates that think a local health insurance plan offers sufficient cover while they reside in another country, especially expatriates from countries with outstanding insurance infrastructure and health care facilities. The downside of these insurance plans are the limitations. These limitations form significant risks and issues due to minimum coverage in certain circumstances and are usually time-bound, meaning after some time the local insurance plan does not cover any health care expenses anymore. In addition, it’s questionable in many cases whether your insurance plan will provide cover in all countries. If you choose Now Health International to be your provider, we’ll ensure you and your family with the best international health insurance plans and allow access to the nearest centres of medical excellence, so you’ll be guaranteed the same quality of care that you’d expect at home. Now Health provides worldwide coverage, thus it doesn’t matter where you live. Even if you spend the majority of your time abroad but reside in your home country every once so often; you are fully covered.

In addition, Now Health offers a quick and easy claims process and extra plans such as routine maternity care and dental treatments. The chances of coverage for these treatments with your local insurance is little to none. Another advantage we offer is the accessibility and reliability for super-fast contact and support.

Finding the best worldwide health insurance!

When finding the best Worldwide health insurance cover for you and your family, there are a number of things to consider.

Firstly it’s important to check what medical facilities are included in the provider’s network, particularly in the key countries you will be based in. As a global health insurance company for expats, this is particularly important for us, which is why Now Health International has a network of one million medical providers worldwide, including world class hospitals and facilities.

It’s also important to check the level of cover you can expect. At Now Health International, we adopt an upfront approach to our underwriting, so our members know exactly what they’re covered for. Our award-winning plans offer comprehensive cover with high benefit limits, to help give you greater peace of mind. A good insurance provider will also have 24-hour customer care. Unfortunately medical emergencies don’t keep office hours, so you don’t want to be faced with a call centre that only works nine-to-five or doesn’t operate in your time zone. That’s why we offer 24/7 support, 365 days a year and in multiple languages.

Medical care can also get expensive fast, particularly in certain parts of the world where healthcare is more costly. It’s important to check whether you will need to pay up front or not, so there are no nasty surprises if you do have to seek treatment. At Now Health International we have a cashless network of medical providers, so you don’t have to be out of pocket.

It’s time for a switch to Now Health

In case you are planning to move to another country for an extensive period of time or perhaps permanently, it is advisable to confirm with your local insurance company to what date you are covered. Obviously, you should be covered up to the day you fly out to a new destination. If, for example, you move to the Netherlands, it is mandated by law that you have an insurance plan for all expatriates. This means that the moment you are employed with a Dutch company, your local insurance coverage is cancelled and replaced by state health care coverage or an international healthcare plan, such as what we offer at Now Health. However, this is a unique situation. In most other circumstances, you have to file a request for cancellation of your current insurance package with your local insurance provider. This is mostly required to be done in writing, while all our services are available online. In essence, it is advised to arrange a new healthcare plan prior to departure. Switching to Now Health is simple and we assure you will receive full access to our services. Exactly for these reasons it is strongly advised to opt to switch to a Now Health International before moving overseas to cover the possible gap of not being insured. Let’s face it; you probably have enough on your mind during your move to another country. Now Health offers you the best in class global health insurance and with that comes peace of mind!

Now Health International WordCare plans At Now Health International we allow you to receive a quote and compare all the benefits available under the four WorldCare options. Select the WorldCare plan that best suits where you live or plan to stay for a long period of time. We have options for international customers, as well as those residing in Singapore, Dubai, Mainland China and Indonesia. We provide you with a quote that suits your circumstances and fits your budget. If you require additional help, use our simple guide to find the right plan! In case you are living in Europe but traveling to other countries frequently in the European Union, you definitely want to consider our worldwide expat medical plan. With other plans, you would likely only be covered within one single country. With Now Health, you are covered throughout the entire European Union! The costs of WorldCare plans are calculated on a set of different factors, among these factors are:

• Country of residence
• Gender and age
• Individual, family or business registration

What is covered by Now Health International? We provide a certain set of core benefits which are similar among all packages. It is possible to select extra treatments and benefits when desired. Our core package consists of:

• In-patient and day-patient care
• Organ transplant
• Cancer treatment
• Pregnancy and childbirth medical conditions
• Evacuation and repatriation
• Day-patient or out-patient surgery

As mentioned before, it is possible to customise your plan with extra features and benefits that meet your personal requirements. These treatments and benefits range from maintenance of chronic medical conditions, dental treatments, USA elective treatment, maternity leave and more. Check out the benefit schedule to get a complete overview. Are you planning to live in an area in the world where local healthcare facilities are underdeveloped and unable to provide the essential medical care you need? It’s highly advised to choose Now Health as your worldwide health insurance provider. One of the core attributes of all of our packages is evacuation to the nearest medical facility for emergency treatment as well as repatriation to country of nationality or residence for insured person and an escort. Our policy allows you to visit advanced and well-developed healthcare facilities that are able to perform the required medical attention in case local hospitals don’t have the capabilities to treat you.

A leading global health insurance company

First and foremost, it is smart to take time planning what your personal requirements are when selecting one of our packages, as well as what additional benefits and treatments you might need. Routine and complex dental treatments might not be on the top of your list of priorities, but the costs incurred for such treatments can become very costly if you find yourself in a situation that requires immediate dental treatment while abroad. Now Health offers the possibility to prevent a heavy burden after urgent dental treatments. Routine maternity care can also be useful, especially if your partner is expecting to give birth while being abroad. You might focus on keeping the costs low, understandably so. That is why we always try to provide you with a quote that is best suited for you and your circumstances, related to your budget. It’s also essential to make sure urgent health care needs are also covered. Now Health covers a wide range of plans for international residents, families and companies. For individuals and families we offer the same range of WorldCare plans that suit you and your family’s needs. For companies, Now Health offers a range of WorldCare plans that can be tailored to your employees’ needs, including plans for employees in Singapore, Dubai, Mainland China, Indonesia, along with international groups. Please refer to more specific information and the services that we offer. We put our customers first, which is why in our latest Customer Satisfaction survey, 89% of our members rated their overall experience as excellent or very good, and 8 in 10 said they would recommend us to friends and family. In addition, 78% found our claims team helpful and 8 in 10 members felt it was easy to submit claims.

We also offer award winning digital tools such as our smartphone app and secure online portfolio which make it even quicker and easier for our members to submit claims online and find a medical provider in our network.

Now Health International provides innovative products and is an award winning global health insurance company, helping ensure you can offer your clients the best coverage, the best care and the best customer service, helping you to grow your business. At Now Health International, we believe health insurance should be as simple and accessible as possible, and we offer a range of products to suit different lifestyles.

Get a quote today and learn how we will cater for your international healthcare needs.