Now Health International In Thailand
Now Health International is a leading specialist in the field of international health insurance. Now Health was founded in 2010 as a privately held insurance company in Hong Kong.
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Today, Now Health International has regional service centers in Shanghai, Singapore, Dubai, Jakarta, and the United Kingdom, offering benefit-rich insurance products and swift services.
As a result of Now Health’s continuous expansion under the investment of Primary Group, which acquired Best Doctors Insurance, their offices now span four continents, with the inclusion of 125,000 members, 370+ staff, and more than 5,000 distribution partners.
Now Health International Insurance for Expats in Thailand
Now Health International prides itself on swift services and the delivery of unique promises. Furthermore, 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.
This Pacific Prime article will provide an overview of Now Health International’s products and why expats in Thailand should strongly consider them.
Available Now Health International Plans in Thailand
By order of comprehensiveness, Now Health International Insurance offers the Advance, Excel, and Apex Essential plans to expats looking for practical and effective coverage during their stay abroad. For more cost-friendly plans, SimpleCare Core plans are also available to those on a tight budget.
For Now Health International Insurance in Thailand, applicants are suggested to consider the following requirements and conditions:
- Maximum age is 79 years
- Local nationals are accepted in most countries
- Already pregnant women are accepted; however, they will not be covered for routine maternity
- Child-only plans are not offered
The Requirements for Claims
- 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 is designed 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 healthcare.
- USD $112 /mo
- Annual Max Plan Limit USD 3M
- In-patient care
- Optional maintenance of chronic conditions
Now Health International WorldCare Advance
Now Health International’s WorldCare Advance plan covers in-patient, day-patient, and out-patient treatment, including appointments from general practitioners (GPs) and specialists.
- USD $241 /mo
- Annual Max Plan Limit USD 3.5M
- In-patient care
- Out-patient care
- Full maintenance of chronic conditions
Now Health International WorldCare Excel
Now Health International’s WorldCare Excel plan 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.
- USD $281 /mo
- Annual Max Plan Limit USD 4M
- In-patient care
- Out-patient care
- Routine dental treatment
Now Health International WorldCare Apex
Now Health International’s WorldCare Apex is the most comprehensive plan. It provides coverage for in-patient, day-patient, and out-patient treatment, including routine maternity care, at even higher levels than WorldCare Excel. The plan is considered a superb choice for those planning to start a family.
- USD $361 /mo
- Annual Max Plan Limit USD 4.5M
- In-patient care
- Out-patient care
- Routine dental treatment
- Routine maternity care
SimpleCare: Affordable International Health Insurance for Those on a Tight Budget
Now Health International’s SimpleCare plan is for cost-conscious expats who do not wish to compromise the quality of their health insurance. Digital and easy to understand and use, the plans provide coverage for major health events.
Now Health International SimpleCare CORE
The CORE plan is a great choice for those on a tight budget. The plan provides access to high-quality healthcare providers and coverage for major in-patient treatments, which include medical evacuation, surgery, cancer treatment, and hospitalization.
At a glance, you’ll be receiving these benefits:
- 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
This international health insurance plan is designed for those looking for affordable coverage for in-patient and out-patient treatment, hospitalization, surgery, and cancer treatment, including the addition of coverage for GP visits, dressings, drugs, and physiotherapy.
At a glance, you’ll be receiving these benefits:
- 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
This international health insurance plan is for those who want the most full health coverage possible without compromising their finances. It provides coverage for in-patient services as well as an intermediate level of coverage for outpatient treatment such as drugs, dressings, and GP visits.
At a glance, you’ll be receiving these benefits:
- 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
Why Should You Consider Now Health International?
Private health insurance is expensive, but Now Health International provides a cost-effective and comprehensive health plan for travelers and expatriates. Policyholders access the best healthcare while not compromising their finances.
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 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 wait times.
The Key Benefits of Now Health International Insurance
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 who are looking for a perfectly priced plan to meet all their needs as they venture 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 5 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 affordable while 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 from 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.
Living in Thailand as an Expat
For expats, living in Thailand can come with a lot of benefits. 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 comparison to other countries in the far corners of the world, 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.
What’s more, 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, doing due diligence on suitable insurance plans is necessary to ensure a relaxing and smooth experience.
The Benefits Of Getting International Health Insurance As An Expat
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. Expats are also encouraged to learn more about Health Insurance in Thailand.
Moreover, finding the right health insurance for their lifestyle can be a challenge with many considerations. Depending on the visa type, it may also be mandatory under Thai law for expats to have a health insurance policy. You may also read more 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 agent, 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 their respective host nations. 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 policyholders out of the tedious and lengthy claiming 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 single 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 the budget and scope.
The Importance of Consulting an Insurance Broker
Insurance brokers provide the necessary guidance that 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
Preparing for Your Expatriate Journey
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 individual 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 learn how to 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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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?
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