WorldCare

Worldwide cover with extensive benefits

Individual & Families
Companies

WorldCare

Our award-winning flagship WorldCare product is designed to be comprehensive and benefit rich, with different levels of cover to suit various lifestyles. Providing easy access to world-class health facilities worldwide, WorldCare provides our globally mobile members with peace of mind that they can access the best care both at home and overseas.

There are four levels of cover to choose from, ranging from essential hospital care through to our most comprehensive plan which includes in and out-patient treatment cover, including dental and maternity. All our plans come with the great service Now Health International is renowned for, including our fast and accurate claims service and state of the art digital tools.

WorldCare Essential

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 is a wide range of annual deductibles for in- and day patient treatment, all the way up to USD 15,000 for those that 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.

WorldCare Advance

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

There is a wide range of annual deductibles for in- and day-patient treatment, all the way up to USD 15,000, as well as out-patient per visit excess and co-insurance options for those that who want to keep their premiums as low as possible.

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

WorldCare Excel

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.

There is a wide range of annual deductibles for in- and day patient treatment, all the way up to USD 15,000, as well as out-patient per visit excess and co-insurance options for those that who want to keep their premiums as low as possible.

WorldCare Apex

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.

There is a wide range of annual deductibles for in- and day patient treatment, all the way up to USD 15,000, as well as out-patient per visit excess and co-insurance options for those that who want to keep their premiums as low as possible.

WorldCare at a glance


WorldCare Essential

Annual Max Plan Limit USD 3M

  • In-patient and day-patient care
  • Out-patient charges
  • Routine and complex dental treatment
  • Routine maternity care
  • Out-patient chargers - Option 2
  • Annual deductible
  • Co-insurance out-patient treatment (10%/20%)
  • USA elective treatment
  • Africa Restriction
  • Extended evacuation and repatriation
WorldCare Advance

Annual Max Plan Limit USD 3.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
  • Annual deductible
  • Out-patient per visit excess (USD 15, USD 25)
  • Co-insurance out-patient treatment (10%/20%)
  • USA elective treatment
  • Africa Restriction
  • Extended evacuation and repatriation
  • Wellness, optical and vaccinations
  • Wellness, optical and vaccinations – Option 2
WorldCare Excel

Annual Max Plan Limit USD 4M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
  • Annual deductible
  • Out-patient per visit excess (USD 15, USD 25)
  • Co-insurance out-patient treatment (10%/20%)
  • USA elective treatment
  • Africa Restriction
  • Extended evacuation and repatriation
  • Wellness, optical and vaccinations
  • Wellness, optical and vaccinations – Option 2
WorldCare Apex

Annual Max Plan Limit USD 4.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
  • Annual deductible
  • Out-patient per visit excess (USD 15, USD 25)
  • Co-insurance out-patient treatment (10%/20%)
  • USA elective treatment
  • Africa Restriction
  • Extended evacuation and repatriation
  • Wellness, optical and vaccinations
  • Wellness, optical and vaccinations – Option 2

Support to stay well and support when you need it

At Now Health we think it’s important to support you with your overall health and wellbeing. That’s why we offer a range of added value services in addition to your core plan protection, so you know we’re there for you, every step of the way.

Travel Assistance

WHY:

We know our globally mobile members frequently travel abroad, both for work and pleasure. To help provide you with the protection you need when you travel, we offer a travel assistance service.

WHAT:

With our partner Assist Amercia we offer a range of services including:

  • Pre-trip information
  • Emergency prescription service if you forget your medicine while abroad
  • Support for you and your family should you fall ill abroad, including care of elderly or minor children
  • Early trip return in the event of an emergency
  • Lost luggage assistance
  • Legal and interpreter assistance

HOW:

Register for this service when you buy your plan.

Second Medical Opinion

WHY:

A second medical opinion can help provide reassurance, particularly for those who are uncertain about their diagnosis, have a complex condition, or are unsure about what treatment plan to choose.

WHAT:

Leveraging our extensive network of medical experts worldwide, we provide our members with a second medical opinion service to help ensure you get the right diagnosis and the right treatment.

Members can access this service for both acute and long term conditions, and in most cases the second medical opinion will be delivered within a matter of days.

HOW:

Simply contact your local Customer Service team to use this service.

[email protected]

Global Concierge Service

WHY:

As an international health insurance provider, we recognise that many of our members may choose to seek treatment overseas, away from their home country.

WHAT:

To help make this process easier for you, we provide concierge support to help you manage the process. This includes:

  • Recommending where to get treatment
  • Support to book medical appointments
  • Appointment reminders
  • Placing guarantees of payment with the hospital, including in an emergency, so you don’t need to pay upfront
  • Support with arranging medical visas as and when required

HOW:

Simply contact your local Customer Service team to use this service.

 

Our Digital Tools

Manage your plan online

The Now Health International website is designed to make it simpler to manage your international health insurance from accessing your plan documents to tracking your claims.

Members can access their information at any time with Now Health, as all your details are stored in your secure online portfolio, which you can access 24-hours a day from anywhere in the world.

You can view and download all your plan documents including your certificate of insurance, members’ handbook and any form you might need to manage your plan.

Submit and track your claims online

You can submit and track the status of all claims you make online. As soon as we receive your claim, we will notify you by email and SMS (if you have chosen this option).

Our Smartphone App

Our smartphone App let’s you claim and find doctors at the touch of a button. You can access thousands of medical professionals worldwide and enjoy quick and easy claims handling.

Our Service Promise

Our overseas medical insurance is designed to deliver great service, so it’s straightforward to access the healthcare you need wherever you are in the world.

Your time is precious. We understand that you need to know how quickly we will handle your requests. We have made six promises on how fast we will complete the following important tasks:

1. If you have had to pay for treatment and need to claim back your expenses, we will process eligible claims within five working days

2. If you need day-patient or in-patient treatment, we will aim to pre-authorise your claim so you don’t need to pay anything. We will place guarantees of payment with medical providers within two working days

3. When you buy your plan, if we need to underwrite your application, we will respond to you within two working days

4. If you choose to receive your plan documents by post, we will dispatch them within five working days

5. If you choose to go paper-free, we will dispatch your membership card within two working days

6. We will respond to all your enquiries within one working day