Now Health International for Expats in Thailand
Now Health International is a leading specialist in the field of international health insurance, and they provide plans for expats living in Thailand. Now Health International prides itself on swift services and the delivery of unique promises, and they have seven core plans to choose from.
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Their use of state-of-the-art digital tools enables members to manage their health insurance online, introducing agility and responsiveness to the world of IPMIs. Their offices now span four continents, with the inclusion of 125,000 members, 370+ staff, and more than 5,000 distribution partners.
Are you looking to move to Thailand in the near future? Do you need help deciding if Now Health International is the right provider for you?
In this Pacific Prime post, we will introduce seven international insurance plans designed uniquely for expats living and working in Thailand, including their benefits and estimated costs. We’ll also explain what makes Now Health stand out and how a broker can help you pick the best plan.
Reach out to our insurance experts to find answers to your questions and to get a personalized quote for your move.
Available Now Health International Plans in Thailand
Now Health International Insurance offers worldwide coverage, including in Thailand, in their WorldCare Essential, Advance, Excel, and Apex plans. These are designed for expats looking for practical and effective coverage abroad. For cost-friendly options, regional SimpleCare plans are available.
Potential applicants for Now Health International Insurance plans in Thailand should consider the following requirements and conditions before applying:
- Maximum age is 79 years old
- Local nationals are accepted in most countries
- Already pregnant women are accepted; however, they will not be covered for routine maternity care
- Child-only plans are not offered
The following sections will introduce Now Health International’s seven international insurance plans for expats living in Thailand.
Depending on their country of residence, it is likely that expats who select a SimpleCare plan will have the option to choose to only be covered in their region instead of worldwide, thus helping to reduce their premium costs.
Making an Insurance Claim to Now Health
Expats who need to make an insurance claim to Now Health International will want to know these facts about their claims process:
- Scanned document claims are accepted
- Reimbursement is provided in most major currencies
- The average claim time is 10 days
- Direct billing is provided worldwide and is particularly effective in Southeast Asia, including Thailand
Now Health International WorldCare Essential
Now Health International’s WorldCare Essential plan has an annual plan maximum of USD $3,000,000, and it is designed for Thailand expats to cover high costs stemming from large medical events. This plan is the lowest priced and suitable for those who want access to in-patient and day-patient care.
Here are some of the plan benefits and features:
- Estimated Cost: USD $112 /mo
- Annual Max Plan Limit: USD $3,000,000
- Deductible options ranging up to USD $15,000
- In-patient and day-patient care
- Optional maintenance of chronic conditions
- Optional out-patient care
Now Health International WorldCare Advance
Now Health International’s WorldCare Advance plan has an annual plan maximum of USD $3,500,000. It covers in-patient, day-patient, and out-patient treatment in Thailand, including coverage for appointments from general practitioners (GPs) and specialists, physiotherapy, and alternative therapies.
Here are some of the plan benefits and features:
- Estimated Cost: USD $241 /mo
- Annual Max Plan Limit: USD $3,500,000
- Deductible options ranging up to USD $15,000
- In-patient and day-patient care
- Out-patient care
- Menopause hormone replacement therapy
- Full maintenance of chronic conditions
Now Health International WorldCare Excel
Now Health International’s WorldCare Excel plan in Thailand has an annual plan maximum of USD $4,000,000, and it covers in-patient, out-patient, and day-patient treatments at higher benefits than WorldCare Advance. After a nine-month waiting period, it includes routine and complex dental care.
Here are some of the plan benefits and features:
- Estimated Cost: USD $281 /mo
- Annual Max Plan Limit: USD $4,000,000
- Deductible options ranging up to USD $15,000
- In-patient and day-patient care
- Out-patient care
- Menopause hormone replacement therapy
- Routine and complex dental treatment
Now Health International WorldCare Apex
Now Health International’s WorldCare Apex plan is the most comprehensive Thailand plan offered with an annual plan maximum of USD $4,500,000. It provides coverage for in-patient, day-patient, and out-patient treatment at even higher levels than WorldCare Excel, and it adds routine maternity care.
This plan is considered a superb choice for those planning to start a family. Here are some of the plan benefits and features:
- Estimated Cost: USD $361 /mo
- Annual Max Plan Limit: USD $4,500,000
- Deductible options ranging up to USD $15,000
- In-patient and day-patient care
- Out-patient care
- Menopause hormone replacement therapy
- Routine and complex dental treatment
- Routine maternity care
Now Health International SimpleCare CORE
Now Health International’s SimpleCare CORE plan has an annual plan maximum of USD $1,000,000, and it is a great choice for expats in Thailand on a tight budget. The plan provides coverage for major in-patient treatments, including medical evacuation, surgery, cancer treatment, and hospitalization.
The plan provides access to high-quality healthcare providers and more. At a glance, you’ll be receiving these benefits:
- Estimated Cost: USD $80 /mo
- Annual Max Plan Limit: USD $1,000,000
- 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 by Now Health International has an annual plan limit of USD $1,500,000. It is designed for expats in Thailand looking for affordable coverage with the benefits of the CORE plan, plus coverage for GP visits, dressings, drugs, and physiotherapy.
At a glance, you’ll be receiving these benefits:
- Estimated Cost: USD $100 /mo
- Annual Max Plan Limit: USD $1,500,000
- Organ transplant coverage
- Evacuation and repatriation coverage
- Hospital and surgery coverage
- Day-Patient/ Out-Patient Surgery coverage
- Cancer treatment coverage
- Out-patient coverage
Now Health International SimpleCare 250
SimpleCare 250 from Now Health has an annual plan limit of USD $1,500,000. It is for expats who want the most full health coverage possible in Thailand without compromising their finances. It provides intermediate coverage for all services included in the 100 plan, plus routine dental care.
At a glance, you’ll be receiving these benefits:
- Estimated Cost: USD $124 /mo
- Annual Max Plan Limit: USD $1,500,000
- Organ transplant coverage
- Evacuation and repatriation coverage
- Hospital and surgery coverage
- Day-Patient/ Out-Patient Surgery coverage
- Cancer treatment coverage
- Out-patient coverage
- Routine and complex dental treatment and care
Why Expats Choose Now Health International: To Save Money
Private health insurance is expensive, and expats in Thailand choose Now Health International as their insurer because Now Health provides a cost-effective and comprehensive health plan that doesn’t break the bank.
Without private health and medical coverage in foreign countries, expats are at risk of racking up exorbitant hospital fees. However, you can be sure that Now Health International will handle all transactions with proper coverage and direct billing without having to reach into your own pockets.
Now Health International’s approach to insurance revolves around time and cost-efficiency. While traveling abroad, especially in countries like Thailand, their plans will provide expats with the best in-patient, day-patient, dental, and maternity care minus the extensive wait times.
Key Features that Make Now Health Stand Out
Now Health International’s plans are known for their reliability, cost-efficiency, practicality, effectiveness, and digital responsiveness. This has made them a first choice for travelers in Thailand and worldwide who are looking for a perfectly priced plan to meet all their needs abroad.
Reliable Services
Now Health International aims to provide policyholders with clear and relevant information as to what is and isn’t covered from the get-go. Moreover, their claims and processes are quick and reliable, with an average reimbursement period of five working days.
Cost-Efficient, Practical, and Effective
With Now Health International’s lowest-priced plan starting as low as USD $29 per month, expats can rest assured knowing that Now Health International’s plans are both affordable and capable of providing practical and effective coverage worldwide.
Agile, Responsive, and Fully Digital
Given that SimpleCare is a fully digital plan, Now Health International has made it its priority to provide its policyholders with state-of-the-art tools. While these tools supplement the understanding of policyholders, they also help them manage their plans online.
Here are a few examples of what these digital tools can do:
- Secure Online Portfolio Management: A log that provides an organized view of all downloadable documents, including a summary of which benefits have been used and the status of claims and pre-authorizations.
- Now Health Smartphone App Appointment Booking: An app that enables policyholders to find, view, and book appointments with the nearest physician or specialist within their network. After their appointments, policyholders can simply attach documents and submit claims from within the app.
- Virtual Membership Card Authorization: A virtual card that can be added to a smartphone wallet and used to authorize transactions at hospitals.
Because expatriates and their families are always on the move, modern health insurance should be portable and accessible. This saves them from the hassle of having to purchase a new plan, especially when all their needs and budgets can be managed through one single digital platform.
Benefits Expats Get With International Health Insurance
Expats who choose to invest in their health and secure international health insurance while living abroad in Thailand get access to the higher quality private healthcare facilities and physicians, direct billing, lifetime renewability, and flexible plans catered to their unique needs.
Moving to a different country is a massive and exciting step for anyone to take, but it also presents new challenges, one of the most significant of which is finding reliable medical care.
Choosing the right health insurance for their lifestyle can be a challenge. Depending on their visa type, it may also be mandatory under Thai law for expats to have a health insurance policy. You may read more about these mandates in our Thai Visa Guide for Expats and Foreigners.
The best course of action is to obtain Thai insurance that covers visa requirements and then supplement that with coverage from an international insurer. Insurance policies in Thailand are typically affordable, though they may lack the coverage of more expensive private international policies.
Because of this, it is crucial that you take the time to find a private, international health insurance plan that meets your specific requirements. If you work with an insurance broker, you should be able to find a healthcare plan that meets your requirements and your budget.
Below are some of the most prominent advantages of purchasing private international health insurance.
Access to Private Healthcare
Private international health insurance grants expats access to the best private hospitals and clinics in Thailand. Furthermore, private hospitals are well connected to insurer networks, offer shorter wait times, have English-speaking doctors, and provide international standards of care.
Direct Billing
Direct billing is preferred by policyholders who want private health insurance coverage. Instead of paying for medical fees directly from your wallet, they can be directly billed and settled between the insurer and hospital or clinic, leaving you out of the tedious and lengthy claims process.
Lifetime Renewability
Securing health coverage as you get older can be a difficult ordeal. Insurance companies often refuse to cover people over the age of 60, which results in complications, especially if they live overseas. Fortunately, Pacific Prime can help you find plans that offer lifetime renewal options.
Flexible Plan Benefits for Unique Needs
One amazing feature of international health insurance plans is their customizability. Every plan can be specifically tailored to meet specific needs and budgets. Depending on your requirements, plans can add or remove certain medical benefits and be adjusted to cover a sum based on your budget.
The Importance of Consulting an Insurance Broker
Insurance brokers provide the necessary guidance that Thailand expats require in order to receive the most effective, cost-friendly, and practical health insurance coverage needed when living overseas. This eliminates tedium and any difficulties associated with healthcare access.
In the world of IPMIs, expats tend to get flooded with information, which often results in confusion and an inability to pick and choose what’s right for their unique needs. When faced with a situation like this, the advice and direction of a knowledgeable broker can be invaluable.
Most importantly, insurance brokers are responsible for the satisfaction of their clients because insurance brokerage is built on the foundation of trust, satisfaction, and goodwill. Clients are to be made aware of every condition and aspect of their policies in order to receive their full benefits.
Pacific Prime is an award-winning intermediary, empowering expats with the confidence and actionable understanding of insurance required to live a happy and stress-free life overseas. With our team of insurance experts, expats are provided with world-class services, tailored solutions, and a new-found appreciation for healthcare.
Here are a few ways we can provide direction:
- Provide you with an understanding of the ins and outs of Now Health International Insurance plans
- Provide unbiased guidance over the phone
- Assist you in selecting a suitable health insurance plan.
- Help you through the entire health insurance journey
Learn more about what a broker can do for you here.
Living in Thailand as an Expat
For expats, living in Thailand can come with a lot of benefits. In comparison to other countries, expat life in Thailand is generally lower in cost and higher in quality, owing to the abundance of things to do, places to visit, and street food to satiate one’s hunger.
People from around the world view Thailand as a tourist-friendly and cost-friendly holiday destination, but it’s also an amazing country to live and work in.
In Bangkok, you can be sure to find the highest standards of healthcare from both public and private hospitals because Thailand’s medical workforce is abundant and considered one of the most skilled in the world.
As a result, Thailand strikes a perfect balance for those seeking adventure while also being concerned about their own and their family’s well-being. If you’re planning to make a move to Thailand as an expat, research suitable insurance plans to ensure a relaxing and smooth experience.
Preparing for Your Expatriate Journey to Thailand
It is natural to assume that moving to a new country will be a difficult ordeal. With the right insurance, however, you will not feel like a foreigner in a strange land; rather, you will feel at home wherever you may be. Expats living in Thailand can have experiences that are truly one-of-a-kind.
If you’re searching for the right health insurance plan, Pacific Prime can help guide you throughout the process. Whether you’re searching for international health insurance or a family health insurance plan, fret not; we can get you started.
To supplement your understanding of other available plans, it’s also worth checking out the top 10 insurance companies in Thailand, or you may compare their plans. While you’re at it, you may also check out the best places to live in Thailand for expats.
We also offer plans from HealthCare International and Optimum Global. Check out our in-depth guides to learn more!
For quotes, contact us today or use the quote generator here.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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Comments
2 Comments
As an expat considering Now Health International Insurance in Thailand, how does their coverage work when traveling to nearby countries for short trips? Are there any limitations or special requirements to maintain coverage across different regions?
Now Health International Insurance provides robust coverage for expats traveling to nearby countries, especially within Southeast Asia, as most plans include international coverage with benefits like emergency medical evacuation and direct billing at network hospitals. However, coverage limits and eligibility can vary by region and plan type, so it’s important to confirm the specifics of your policy, including pre-authorization requirements for certain treatments abroad. Flexibility is also a key feature, as plans like WorldCare Advance and Excel allow customization to suit your travel and healthcare needs.
If you’d like personalized advice on how to optimize your plan or ensure seamless coverage while traveling, feel free to reach out via the Pacific Prime contact page.
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