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 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 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 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 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.
Annual Max Plan Limit USD 3M
Annual Max Plan Limit USD 3.5M
Annual Max Plan Limit USD 4M
Annual Max Plan Limit USD 4.5M
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.
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.
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.
Simply contact your local Customer Service team to use this service.
As an international health insurance provider, we recognise that many of our members may choose to seek treatment overseas, away from their home country.
To help make this process easier for you, we provide concierge support to help you manage the process. This includes:
Simply contact your local Customer Service team to use this service.
We know many of our SME clients often want to but are unable to offer a separate Employee Assistance Programme (EAP) for their employees, which is why we have chosen to provide it alongside our international health insurance plans as part of a broader health and wellness package.
The Employee Assistance Programme Program is provided by Spectrum.Life
We know that life doesn't keep office hours. Whether you've had a difficult week at work, have a health worry, your relationship is under strain, or there's something going on in your life that you can't quite put a name to yet, your Employee Assistance Programme (EAP) means you can reach a qualified counsellor for a chat whenever you need to, 24 hours a day, 365 days a year.
Your MAP is now provided by Spectrum.Life, and remains included in your Now Health International plan at no extra cost. Spectrum.Life is a digital-first platform, and you can access all the tools and services you need through its website using your own secure login.
You don't need a crisis to call. Confidential. Always.
You don't have to wait until things become unmanageable. Spectrum.Life's counsellors can support you directly, or refer you to a specialist, on anything from the serious to the everyday, including:
If it's weighing on you, it's worth a call, or checking out Spectrum.Life's self-help resources and guides if you're not quite ready to speak to someone.
HOW:
Individual and family members can log-in to the Spectrum Life portal or downloading the Spectrum.Life App. Learn more about the Employee Assistance Programme.
Call our Customer Service Hotline.
To support our members with their overall wellbeing as well as their physical health, ensuring our international health plans continue to provide members with a broad health and wellness package.
The Members Assistance Program is provided by Spectrum.Life.
We know that life doesn't keep office hours. Whether you've had a difficult week at work, have a health worry, your relationship is under strain, or there's something going on in your life that you can't quite put a name to yet, your Member Assistance Programme (MAP) means you can reach a qualified counsellor for a chat whenever you need to, 24 hours a day, 365 days a year.
Your MAP is now provided by Spectrum.Life, and remains included in your Now Health International plan at no extra cost. Spectrum.Life is a digital-first platform, and you can access all the tools and services you need through its website using your own secure login.
You don't need a crisis to call. Confidential. Always.
You don't have to wait until things become unmanageable. Spectrum.Life's counsellors can support you directly, or refer you to a specialist, on anything from the serious to the everyday, including:
If it's weighing on you, it's worth a call, or checking out Spectrum.Life's self-help resources and guides if you're not quite ready to speak to someone.
HOW:
Individual and family members can log-in to the Spectrum Life portal or downloading the Spectrum.Life App. Learn more about the Member Assistance Programme.
Call our Customer Service Hotline.
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.
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 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 international health insurance plans are designed to deliver great service, so it’s easy for you to access the healthcare you need, wherever you are.
We understand that your time is precious and 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:
