NOW Health International Health Insurance for Expats in China
Now Health International health insurance for expats in China is one of the top health insurance companies in China. The company is an award-winning international health insurance provider recognized for its best-in-class service, insuring over 125,000 members across 200 countries worldwide.
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The company has grown significantly after the investment from Primary Group, resulting in the attainment of Best Doctors Insurance. This has allowed Now Health’s presence to spread across four continents with more than 370 staff members and a network of over 5,000 distribution partners globally.
Currently, Now Health International has spread its wings even more, establishing regional service centers in Hong Kong, Shanghai, Dubai, Singapore, Jakarta, and the United Kingdom to provide comprehensive, benefit-rich insurance products to all clients.
In this Pacific Prime article, we’ll give you an overview of Now Health International’s range of products in China, and why expats in China should consider getting insured with them.
Now Health International Insurance for Expats in China
NOW Health International values prompt service and keeping its promises to members. The company also uses advanced digital tools that allow members to manage their health insurance online. This makes the international private medical insurance experience more flexible and responsive for members.
Applicants who want to apply for Now Health International Insurance in China should consider the following requirements and conditions:
- Maximum age is 79 years
- Local nationals are accepted
- Pregnant women are accepted. However, they will not be covered for routine maternity care
- Child-only plans are not offered
Why Now Health International is Ideal for Expats in China
Securing comprehensive and reliable health insurance is crucial for any expat moving to China. With Now Health International, you can expect a range of plans specifically designed to meet the diverse needs of expats living in China.
With its reputation as an award-winning international health insurance provider with a strong global presence, Now Health International is one of the top options for those looking for practical and effective coverage.
Let’s take a closer look at how Now Health International can offer you the peace of mind you need during your stay in China.
Comprehensive Plan Options
Now Health International provides a wide range of international health insurance plans, such as WorldCare and SimpleCare, which are designed to match the various needs and budgetary requirements of expats.
These plans cover inpatient, outpatient, and day-patient treatments, and ensure comprehensive medical care throughout your stay.
Affordable Solutions
Many expats more or less face financial constraints that can be less than ideal. However, with options like the SimpleCare plans, you can expect essential coverage for major medical events that will not break the bank.
Global Coverage
Now Health International boasts a strong global footprint in over 200 countries and a network of healthcare providers around the world, so you can expect seamless coverage for expats when they travel or move abroad.
Digital Services
Now Health International utilizes state-of-the-art digital tools, so you can manage your health insurance online with maximum convenience, agility, and responsiveness.
Experienced Provider
Having established a strong foothold in the international health insurance market for over a decade, Now Health International specializes in catering to the unique needs of each expat, guaranteeing swift services and adherence to its promises.
Tailored Solutions
Expats living in China can expect various health insurance options provided by Now Health International, allowing them to choose the level of coverage that best matches their specific health requirements and budgets, whether they’re looking for comprehensive coverage or essential protection.
Available Now Health International Plans in China
Now Health International Insurance provides a comprehensive range of plans for expats in China seeking practical and effective coverage during their stay.
These plans are offered in increasing levels of comprehensiveness, starting with the Essential plan, followed by the Advance, Excel, and finally, the most comprehensive Apex plan.
For those on a tighter budget, Now Health International also offers the more cost-effective SimpleCare Core plans, designed to provide essential coverage at an affordable price point.
Now Health International WorldCare Essential
The WorldCare Essential plan is a cost-effective solution aimed at providing coverage for major medical expenses. This plan is the most economical option and is well-suited for those seeking access to inpatient and day-patient healthcare services.
- RMB 231 /mo
- Annual Max Plan Limit RMB 18.5M
- In-patient care
- Day-patient care
- Optional maintenance of chronic conditions
Now Health International WorldCare Advance
The WorldCare Advance plan provides well-rounded coverage, covering inpatient, day-patient, and outpatient treatments. The plan also lets you see general practitioners (GPs) and specialists for appointments.
- RMB 977 /mo
- Annual Max Plan Limit RMB 22M
- In-patient care
- Day-patient care
- Out-patient care
- Full maintenance of chronic conditions
Now Health International WorldCare Excel
Similarly to the WorldCare Advance plan, the WorldCare Excel plan covers in-patient, out-patient, and day patient care albeit at higher benefits. It also includes routine and complex dental care after a nine-month waiting period.
- RMB 1304 /mo
- Annual Max Plan Limit RMB 25M
- In-patient care
- Out-patient care
- Routine dental treatment
Now Health International WorldCare Apex
The most comprehensive plan out of all plans offered by Now Health International, the WorldCare Apex plan offers coverage for in-patient, day-patient, and outpatient treatment.
It also includes routine maternity care, at a higher level than WorldCare Excel, which can prove to be crucial for those planning to start a family.
- RMB 2156 /mo
- Annual Max Plan Limit RMB 28M
- In-patient care
- Out-patient care
- Routine dental treatment
- Routine maternity care
SimpleCare: Affordable International Health Insurance for Tight Budgets
The SimpleCare plans from Now Health International are designed for cost-conscious expats who want quality health coverage without overspending. These digital, user-friendly plans provide coverage for major medical events.
Now Health International SimpleCare CORE
The CORE plan is great for expats in China on a tight budget. It gives you access to top healthcare providers and covers major inpatient treatments like medical evacuations, surgeries, cancer treatment, and hospitalizations.
Key benefits include hospitalizations, organ transplants, evacuation/repatriation, surgeries, day-patient/outpatient surgery, and cancer treatment coverage.
Here are the benefits you can expect from this plan:
- Organ transplant coverage
- Evacuation and repatriation coverage
- Hospital and surgery coverage
- Day-patient/ Out-Patient Surgery coverage
- Cancer treatment coverage
Now Health International SimpleCare 100
SimpleCare 100 is an international health insurance plan aimed at those looking for cost-effective coverage for in-patient and out-patient treatment, hospitalization, surgeries, and cancer treatments. It also covers GP visits, dressings, prescriptions, and physiotherapy.
Here are the benefits you can expect from this plan:
- Organ transplant coverage
- Evacuation and repatriation coverage
- Out-patient coverage
- Hospital and surgery coverage
- Day-Patient/ Out-Patient Surgery coverage
- Cancer treatment coverage
Now Health International SimpleCare 250
SimpleCare 250 is the most comprehensive international health insurance plan offered at a reasonable price. Expect coverage for in-patient services, as well as moderate out-patient benefits, including prescriptions, dressings, and GP visits.
Here are the benefits you can expect from this plan:
- Organ transplant coverage
- Evacuation and repatriation coverage
- Out-patient coverage
- Routine dental treatment coverage
- Hospital and surgery coverage
- Day-Patient/ Out-Patient Surgery coverage
- Cancer treatment coverage
- Routine dental treatment and care
Living in China with International Health Insurance
Living in China as an expat means no shortage of different healthcare options to choose from. Moving to China as an employee means you’ll be able to pay for a basic public health insurance plan, and most likely, your employer will be covering you for it.
However, you should also consider taking out your own private international health insurance plan, as private healthcare facilities in China are known for their top-quality services and infrastructure, with some private hospitals being described as “spa-like”.
Should you want access to the best medical services in China, securing an international health insurance plan can cover the increased costs that come along with the premium services and facilities.
All in all, if you’re moving to China as an expat, it’s wise to secure a comprehensive international health insurance plan to ensure a smooth living experience while you’re there.
The Requirements for Claims
When seeking medical treatment and filing a claim through your international health insurance policy in China, it’s important to understand the specific requirements set by your insurance provider. Here are some typical requirements you may encounter:
- Scanned document claims are accepted
- Reimbursement is provided in most major currencies
- The average claim time is 10 days
- Direct billing is provided worldwide, including China
Let Pacific Prime Help Your Expatriate Journey in China
Are you seeking a comprehensive individual health insurance plan or a family insurance plan? With over 20 years of reputation as a renowned international health insurance broker, Pacific Prime can guide you through the process with impartiality and expertise.
To get you started on your expat journey in China, it’s also worth checking out the guide to living abroad in China for expats and digital nomads.
Contact us today to get a free quote! Our team of experts will be on hand and ready to answer any of your queries.
Enjoyed this article? Check out our other articles here on expat health insurance plans in China:
Ping An Expat Health Coverage for China
AXA China Expat Health Insurance Plans
Frequently Asked Questions
Is healthcare free in China for foreigners?
Healthcare in China is free for Chinese citizens and Chinese permanent residents. If you’re a foreigner with permanent resident status you may be able to access government-supported public health insurance. If not, you’ll need private health coverage.
How much does it cost to see a doctor in China?
Foreigners and expats in China should expect to spend around RMB 620-1,150 for regular consultations with family doctors in private clinics. Seeing a specialist will be more within the RMB 810-1,530 range.
Is an ambulance ride free in China?
Under the new pricing standard, patients can be charged up to RMB 50 yuan (USD 7.70) for being transported by ambulance for up to 3 kilometers, and RMB 7 for every kilometer after that. If an ambulance is called but not required, RMB 50 must be paid.
After obtaining his Bachelor’s Degree in Social Sciences, International Relations from Mahidol University International College, Veerabhatr has forged his career as a content writer in the travel, lifestyle, and real estate industries, writing in both English and Thai. He now continues to hone his skills as a writer at Pacific Prime, looking to engage and educate the audience by simplifying insurance.
Writer by day, and a DJ by night, Veerabhatr is a staunch music lover, and listens to all spectrums of genres available. He also loves to drink beer (moderately), eat all types of food, go to the beach, and learn about different cultures across the globe. He is also a die-hard fan of football and motorsports.
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