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Now Health International: Expat Medical Insurance

Now Health International offers medical insurance plans for expatriates, families, and international students, and groups/employers/corporations.

Now Health International: Expat Medical Insurance

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Now Health International offers health insurance plans for expatriates, families living abroad, international students, and group or employer health plans. Medical coverage is available worldwide, including or excluding the United States, depending on plan selection.

Now Health International is headquartered in Hong Kong and has regional service centers in Shanghai, Dubai, Jakarta, Malta, and the United Kingdom. The insurance company was founded in 2010 by experienced insurance professionals.

Now Health International Worldwide Coverage Options

Now Health International plans offer coverage for expats, students, and employers around the world. Plans can be customized to fit medical needs and budget requirements. Coverage options are available for worldwide coverage, both including and excluding the United States.

Who Does Now Health Cover?

Now Health International covers expats, international students, families living abroad, and corporations or groups. Now Health plans offer international medical coverage for a minimum of 12 months.

Where Does Now Health Cover?

Now Health’s budget-conscious SimpleCare plans are available in qualifying locations worldwide but do not include coverage in the United States. NowHealth’s WorldCare typically offers coverage worldwide excluding the United States, but options are available for elective coverage in the US.

  • Quick and Hassle-free Claims Filing
  • Customer Service Support in Multiple Language
  • Maximum Benefit Limit up to USD $4,500,000
Plan Details

Why Expats Choose Now Health International

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Expats choose Now Health International because of its customer-focused services and extensive worldwide provider network. Now Health’s global medical provider network includes over a million medical facilities and doctors.

Here are more reasons that expats choose Now Health International Plans:

  • Quick and Hassle-free Claims Filing: Claims can be submitted online or through Now Health’s official mobile app.
  • Convenient and Accessible Insurance Processes: Now Health has a plethora of online tools, including a chat platform to contact online representatives for assistance.
  • Stress-free and Straightforward Processes: The initial application, policy issuance, and renewal processes use technology to make all of these stress-free and straightforward for anyone trying to protect themselves or their loved ones.
  • Transparent Communication: Now Health maintains easy customer access for making claims, finding policy information, and accessing medical providers.
  • Knowledgeable and Kind Insurance Advisors: Now Health’s insurance advisors are well-versed with local and global medical markets and offer guidance with patience.
  • Help in Multiple Languages: Now Health employs customer service teams with multilingual capabilities around the globe.

Now Health International Core Values

Now Health International determined that innovation, excellence, empathy, and winning would be its core values. These translate into the experience they wish for their customers, partners, and employees.

  • Innovation: Now Health is committed to finding new and better ways of working.
  • Excellence: Now Health pursues excellence in everything it does.
  • Empathy: Now Health strives to treat people with compassion and respect.
  • Winning: Now Health creates a culture of winning for customers, partners, and employees.

Now Health Corporate Responsibility

Now Health is committed to taking care of its clients and the environment. This provider is reducing its carbon footprint by reducing paper consumption. Now Health relies more on convenient digital platforms to share quotes and plan information.

Insurance Plans through Now Health International

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Now Health’s most comprehensive plan is called WorldCare, and there are four different policy coverage options. Now Health International offers SimpleCare plans in most countries when the price of insurance premiums is a major concern. SimpleCare has three different tiers of coverage options.

The following table shows major differences between SimpleCare plans and WorldCare Plans.

Now Health International’s SimpleCare and WorldCare Plan Comparisons
Annual Benefit Limit USD $1,000,000 to $1,500,000 USD $3,000,000 to $4,500,000
In-patient and Day-patient Care Limits Apply Covered
Organ Transplant Limits Apply Covered
Evacuation and Repatriation Limits Apply Covered
Mortal Remains Limits Apply Limits Apply
Pregnancy Medical Conditions Not Covered Covered
Congenital Disorders Limits Apply Limits Apply
USA Elective Treatment Not Covered Coverage Optional
Cancer Treatment Covered Covered
Day-patient or Out-patient Surgery Covered Covered

SimpleCare

Annual benefit limit up to USD
$1,500,000

WorldCare

Annual benefit limit up to USD
$4,500,000

SimpleCare by Now Health

SimpleCare is an insurance coverage option to help expats save on premiums. SimpleCare plans do not provide elective coverage in the United States. SimpleCare has Core, 100, and 250 options, as well as some flexibility within those tiers.

Groups of 10 or more people and companies with compulsory health insurance plans have more plan flexibility to include coverage like routine maternity care and pre-existing conditions with the SimpleCare plans.

Please note that the SimpleCare plans are not available to residents with visas in Dubai or Abu Dhabi of the United Arab Emirates.

The following table compares the coverage available in each of the three Simple Care coverage tiers.

Now Health SimpleCare Plans Compared
Plan SimpleCare Core SimpleCare 100 SimpleCare 250
Annual Benefit Limit USD $1,000,000 USD $1,500,000 USD $1,500,000
Rehabilitation Subject to Limits Subject to Limits Subject to Limits
Out-patient Medical Practitioner Fees Not Covered Subject to Limits Subject to Limits
Maintenance of Chronic Medical Conditions Not Covered Subject to Limits Subject to Limits
Routine and Complex Dental Treatment Not Covered Not Covered Subject to Limits
Routine Maternity Care for Individuals and Families Not Covered Not Covered Not Covered
Routine Maternity Care for Groups of 10 or More or Compulsory Company Insurance Plans Not Covered Optional Optional
Out-patient Co-pays (per visit excess) to Reduce Premiums Not Available Optional Optional
Menopause Hormone Replacement Therapy Not Covered Subject to Limits Subject to Limits
Out-patient Psychiatric Illness Not Covered Subject to Limits Subject to Limits

 

SimpleCare Core

SimpleCare Core provides insurance coverage for sudden, unexpected hospitalizations, surgeries, or cancer treatment to help expats stay protected from major expenses while saving on premiums. Simple Care Core is not designed to cover outpatient expenses like consultations and specialist fees.

No routine maternity coverage or dental coverage is available with the SimpleCare Core plan, so consider the SimpleCare 100 or SimpleCare 250 for a little more coverage or one of the WorldCare plans for more comprehensive coverage.

SimpleCare 100

SimpleCare 100 provides coverage for in-patient care, surgeries, and cancer treatments. This plan also includes some outpatient medical expense coverage to pay for consultations and specialist fees. Expats can choose to pay a co-pay (per visit excess) to get lower premiums.

Routine and complex dental care is not covered with the SimpleCare 100 plan. Routine maternity coverage is unavailable for individuals and families, but groups of 10 or more people or companies with compulsory insurance can opt for routine maternity coverage.

SimpleCare 250

SimpleCare 250 covers inpatient stays, surgeries, outpatient consultations, specialist fees, and routine and complex dental treatment. Expats can choose to pay a co-pay (per visit excess) to reduce premiums.

Maternity care is unavailable to individuals and families with the SimpleCare 250 plan, but groups of 10 or more people and companies with compulsory health insurance can opt for routine maternity coverage with this plan.

SimpleCare

  • Annual benefit limit up to USD $1,500,000
  • Routine and complex dental
  • Out-patient co-pay options available
  • Out-patient psychiatric treatment covered

WorldCare by Now Health

Now Health’s WorldCare Plans are more comprehensive than their SimpleCare Plans. WorldCare Plans also have an option for elective coverage within the United States. WorldCare’s four plans have co-pay (per visit excess) options to help expats reduce their premiums.

Now Health’s four WorldCare plans:

  • WorldCare Essential
  • WorldCare Advance
  • WorldCare Excel
  • WorldCare Apex

This table compares the four WorldCare plans and their coverage options.

Now Health’s WorldCare Plans
Plan Essential Advance Excel Apex
Annual Benefit Limit USD $3,000,000 USD $3,500,000 USD $4,000,000 USD $4,500,000
Rehabilitation Subject to Limits Subject to Limits Covered Covered
Out-patient Medical Fees Subject to Limits Covered Covered Covered
Maintenance of Chronic Medical Conditions Not Covered Covered Covered Covered
Routine Dental Optional Optional Subject to Limits Subject to Limits
Routine Maternity Care Not Covered Not Covered Not Covered Subject to Limits
Out-patient Co-Pays to Reduce Premiums Not Available Optional Optional Optional
Menopause Hormone Replacement Therapy Optional Subject to Limits Subject to Limits Subject to Limits
Out-patient Psychiatric Treatment Optional Subject to Limits Subject to Limits Subject to Limits

WorldCare Essential

WorldCare Essential offers basic coverage with an annual limit of USD $3 million for expats who would like lower premiums. The Essential plan is also the only plan where you can flexibly add physiotherapy benefits to your policy. Dental coverage is an optional add-on with this plan.

There is no routine maternity add-on option for individuals, families, groups, or company policies with the Essential coverage tier.

Please note that the WorldCare Essential plan is not available to expats with a resident visa in Dubai or Abu Dhabi of the UAE. For coverage in those Emirates, consider the other WorldCare plans.

WorldCare Advance

WorldCare Advance through Now Health offers more coverage than the Essential plan including more for out-patient practitioner fees and an annual benefit limit of USD $3.5 million. Dental coverage with WorldCare Advance is an optional add-on.

WorldCare Advance also allows you to select a co-pay (per visit excess) to lower premiums.

There is no maternity coverage for individuals and families with the WorldCare Advance tier, but groups of ten or more people and companies with compulsory insurance may choose routine maternity care as an optional add-on.

WorldCare Excel

WorldCare Excel has an annual benefit limit of USD $4 million and more rehabilitation coverage than WorldCare Essential or Advance. Routine and complex dental coverage is included with this plan. Routine maternity coverage is not available for individuals and families.

Groups of ten or more people and companies with compulsory health insurance may choose to add routine maternity care to their WorldCare Excel plan.

Expats can save some money on premiums with WorldCare Excel by choosing to pay a co-pay (per visit excess) with visits.

WorldCare Apex

Now Health’s WorldCare Apex plan is the most comprehensive health insurance plan, and it has an annual benefit limit of USD $4.5 million. Routine dental and maternity care are included in the plan. Expats can save a little on premiums by selecting a co-pay (per visit excess) with this plan.

WorldCare

  • Annual benefit limit up to USD $4,500,000
  • Routine dental and maternity Care
  • Out-patient psychiatric treatment covered
  • Chronic medical condition maintenance covered

Group and Company Insurance Plans through Now Health

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Now Health International offers health insurance plans geared towards groups, companies, or corporations. Groups of ten or more people and employers with compulsory employee insurance plans may select additional coverage with the SimpleCare or WorldCare plans.

Options available to groups of ten or more people and companies with compulsory insurance include:

  • Wellness, optical, and vaccinations
  • Routine maternity care
  • Medical history disregarded
  • Limited coverage for pre-existing conditions for compulsory group plans of 5-19 people

Use the following table to understand which optional coverage options are available with each SimpleCare and WorldCare plan for groups of 10 or more people with compulsory insurance.

Now Health Group Plan Options Availability
  Wellness, Optical, and Vaccinations Routine Maternity Care Medical History Disregarded Capped Coverage for Pre-existing 
SimpleCare Core Unavailable Unavailable Optional Optional
SimpleCare 100 Optional Optional Optional Optional
SimpleCare 250 Optional Optional Optional Optional
WorldCare Essential Unavailable Unavailable Optional Unavailable
WorldCare Advance Optional Optional Optional Unavailable
WorldCare Excel Optional Optional Optional Unavailable
WorldCare Apex Optional Included in Plan Optional Unavailable

Find assistance securing a Now Health International insurance plan for a group or company here.

Now Health Network Providers

Now Health International insurance plans have an extensive network with more than one million providers. Browse for doctors, clinics, and hospitals online that are in-network with Now Health. Contact Now Health at least 48 hours in advance of receiving treatment to arrange direct billing.

You may also pay the provider and then file a claim for reimbursement from Now Health.

Now Health International’s Services

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Many of Now Health’s customer services are available through the mobile app. Policyholders have an online profile with Now Health where they can view billing records and claims history as well as file claims. Customer service representatives are available in multiple languages via online chat.

Now Health Customer Service Contact Information

Now Health offers customer service via an online query or chat. Customers needing assistance may also contact the appropriate customer service office by telephone.

  • United Kingdom Customer Service +44 (0)1276 602 110
  • United Arab Emirates (UAE) Customer Service +971 (0)4450 1410
  • Singapore Customer Service +65 6880 2300
  • Hong Kong SAR Customer Service +852 2279 7310
  • China Customer Service +86 21 6156 0910 or +86 400 077 7500
  • Indonesia Customer Service +62 21 2783 6910
  • Europe (Malta) Customer Service +356 2260 5110
  • Europe (Spain) Customer Service +34 911 841 690
  • Rest of the World Customer Service +971 (0)4450 1510

Now Health Online Member Portal and Claims Services

Policyholders can process claims and view history through their online portfolio with Now Health. Information is kept secure, so members will need to log in to view their information. Claims may also be filed with the Now Health App.

Now Health International Emergency Services

Now Health provides emergency contact phone numbers for its members. Contact the most appropriate office for assistance.

  • United Kingdom Emergency Line +44 (0)1276 602 140
  • United Arab Emirates (UAE) Emergency Line +971 (0)4450 1440
  • Singapore Emergency Line +65 6880 2304
  • Hong Kong SAR Emergency Line +852 2279 7340
  • China Emergency Line +86 21 6156 0914
  • Indonesia Emergency Line +62 21 2783 6940
  • Europe (Malta) Emergency Line +356 2260 5240
  • Europe (Spain) Emergency Line +34 911 841 691
  • Rest of the World Customer Service +971 (0)4450 1540

Using a Broker to Get Now Health Insurance

An insurance broker offers clients impartial insurance advice at no additional cost to the client. Expats and companies using a broker will be able to compare plans and quotes from multiple insurance companies.

For assistance securing an individual or family insurance policy, contact an insurance expert online from Pacific Prime here.

If you need to contact an insurance consultant regarding a group or company policy, contact Pacific Prime here.

Frequently Asked Questions

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What benefits are included with SimpleCare?

Now Health’s SimpleCare three plans share basic coverage that covers sudden and unexpected emergencies and in-patient care. Simple Care plans have an annual benefit limit of USD $1 million to $1.5 million. Some SimpleCare plans include more outpatient benefits.

Can health insurance be used internationally?

Private international health insurance plans can be used abroad, unlike most domestic plans. Now Health Insurance plans offer worldwide coverage excluding the United States. WorldCare plans have an optional add-on for worldwide coverage including the US.

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