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Now Health International & Best Doctors Insurance Welcome To Now Health Now Health China App explaination Guide to quote and buying Managing your account
Now Health International Health Insurance

Now Health International has shown some excellent qualities as an international medical insurance company. They provide excellent online member services and efficient service via service centres located in Hong Kong, Shanghai, Singapore, Dubai and the United Kingdom (UK).

Their policies also offer benefits not always covered or defined by other insurers such as Kidney Dialysis, Organ Donor Medical Expenses and Reconstructive Plastic Surgery, while their Hospice Cover Refers to in-patient, day-care or outpatient treatment following the diagnosis that your condition is terminal and treatment can no longer be expected to cure your condition. Included within your benefit we will pay for your physical care, psychological care as well as hospital or hospice accommodation, nursing care and prescription drugs. is often superior to plans from their competitors.

What is surprising is that Now Health is able to do this at some very competitive premiums, making them a strong competitor in the market.

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Key Facts
  • Founded: 2010
  • HQ: Hong Kong
  • Support: Hong Kong, Singapore, Jakarta, Shanghai, Beijing, UAE, UK, Toronto, Miami, Bermuda, Ecudor, Guatamala
Eligibility
  • Min Entry Age: 18
  • Maximum Entry Age: 79
  • Policy Holder: Expatriate
Highlights
  • Fast, Innovative Service & Claims
  • Online Application & Plan Management
  • 24 hour medical info & emergency help
  • No age limit for renewals
  • No co-insurance on Maternity Benefit
  • Benefit-rich products including for Chronic Conditions, Congenital disorders, Physiotherapy and Alternative Therapies, Donor medical costs, Renal Failure and Dialysis.
Now Health WorldCare Plan Options

WorldCare provides flexibility by allowing you to add options to your the coverage package. Shape the cover you want by adding options to your sub-product.

Out-Patient coverage
USA Elective Cover
Out-Patient Direct-Biling
Dental coverage
Maternity coverage
China Hospital Room

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Now Health WorldCare Member Services

At the heart of Now Health's service offering is speed, efficiency and ease of use.

Now Health offers a strong suite of useful services for all members. Help and support is provided via their underwriter and partner AXA in the event of emergency. In addition, they provide a 24/7/365 medical information service called Health at Hand consisting of a team of nurses, pharmacists, counsellors and midwives to give you the benefit of their medical expertise if required.

Now Health also provide an extensive and newly built suite of online services to help you do things like quote, apply, purchase, manage your policy, file and track claims and renew at the end of the year. They also have a growing reputation for delivering fast, reliable and accurate service for correspondence on things like claims, arranging treatment and facilitating evacuation which could really matter when you need it most.

Now Health WorldCare Sub Products

Now Health's WorldCare range offers a choice of four plans called: "Essential", "Advance", "Excel" and "Apex", with increasing annual maximum cover levels from USD $3 million to USD $4.5 million per year. The Essential plan acts as a major medical plan and is more cost effective, while the Advance plan adds comprehensive out-patient treatment. The Excel plan adds Dental cover and the Apex plan also includes excellent Maternity benefits. All these plans include Accident and Emergency USA cover with a wide range of deductible options for added flexibility available.

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Now Health automatically provides you with access to healthcare anywhere in the world, other than the USA where they can only cover you for emergency treatment as standard (Area 1). There is an additional option to select coverage for elective healthcare in the USA (Area 2).

There are a limited number of countries where Now Health cannot offer cover if you are resident in one of those countries. See below for details.

Compare Now Health WorldCare Sub Products

Compare Plans

Essential Advance Excel Apex
Premium per month Get Quotes Get Quotes Get Quotes Get Quotes
Deductibles
Brochure Pack Download AXA Brochure Pack Download AXA Brochure Pack Download AXA Brochure Pack Download AXA Brochure Pack
Maximum Benefit

$3 million

$3.5 million

$4 million

$4.5 million

USA Elective Treatment

In-Patient

Essential

Advance

Excel

Apex

Hospital Accommodation

Private

Private

Private

Private

In-Patient Surgery
Diagnostic Tests
Prescription Drugs
Organ Transplant
Physiotherapy
Rehabilitation

30 days per medical condition

180 days per medical condition

Hospice

$50,000

$50,000

$75,000

$100,000

Local Ambulance Local Ambulance
Cover for local ambulance expenses incurred where an ambulance is medically necessary to transport the patient.
Oncology

Out-Patient

Essential

Advance

Excel

Apex

Out-Patient Surgery
Medical Practitioner Fees

Pre & Post Hospitalization only

Specialist Fees

Pre & Post Hospitalization only

Prescription Drugs

Pre & Post Hospitalization only

Diagnostic Tests

Pre & Post Hospitalization only

Diagnostic Scans

Pre & Post Hospitalization only

Home Nursing Care
Prosthetic Devices
Chiropractic

30 visits

HIV / AIDS HIV / AIDS
Antiretroviral (ARV) drug treatment that is covered in the event of HIV/AIDS contraction that aims to lessen the likelihood of a patient becoming ill for many years.

$25,000

$25,000

$40,000

$50,000

Physiotherapy

30 sessions

Oncology
Alternative Therapies

30 visits

Maternity

Essential

Advance

Excel

Apex

Pregnancy & Birth Pregnancy & Birth
Cover for expenses associated with routine pregnancy and delivery.

$15,000

Newborn Care

$100,000

$100,000

$125,000

$150,000

Congenital Disorder Congenital Disorder
Newborn defects present at birth.

$100,000

$100,000

$125,000

$150,000

Complications of Pregnancy Complications of Pregnancy
Refers to the health of the mother during the pre-natal (preceding) stages of pregnancy such as miscarriage or stillbirth.

Dental

Essential

Advance

Excel

Apex

Emergency In-Patient
Emergency Out-Patient
Routine

$1,000

$1,000

Complex

$2,000

$3,000

Orthodontic

$2,000 (50% co-insurance)

$3,000 (50% co-insurance)

Well-Being

Essential

Advance

Excel

Apex

Routine Health Check
Vaccinations

Psychiatric

Essential

Advance

Excel

Apex

In-Patient Treatment

30 days

30 days

30 days

30 days

Out-Patient Treatment

$2,500

$5,000

$7,500

Evacuation

Essential

Advance

Excel

Apex

Medical Evacuation
Medical Repatriation
Repat' of mortal remains

Full cover ($10,000 burial / cremation)

Full cover ($10,000 burial / cremation)

Full cover ($15,000 burial / cremation)

Full cover ($20,000 burial / cremation)

Compassionate visit
Companion expenses

Full cover ($7,500 accommodation)

Full cover ($7,500 accommodation)

Full cover ($7,500 accommodation)

Full cover ($10,000 accommodation)

Optical

Optical
Treatment designed to pay a portion of the costs associated with correcting vision.

Essential

Advance

Excel

Apex

Eye tests & consultations
Glasses & contacts

Chronic Conditions

Essential

Advance

Excel

Apex

Monitoring & maintenance

$15,000

$20,000

Stabilisation of chronic episode

Full cover ($10,000 Renal Dialysis)

Full cover ($25,000 Renal Dialysis)

Full cover ($75,000 Renal Dialysis)

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  • Act of terrorism, war and illegal acts
  • Administrative and shipping fees
  • Alcohol and drug abuse
  • Chemical exposure
  • Cosmetic surgery
  • Contamination
  • Chronic conditions – in respect of the Essential plan option
  • Dental care – unless this additional option has been chosen
  • Developmental disorders
  • Dietary supplements
  • Eating disorders
  • Excess or co-insurance
  • Experimental treatment and drugs
  • Eyes and ears
  • External prosthesis
  • Failure to follow medical advice
  • Foetal surgery
  • Genetic testing
  • Hazardous sports and pursuits
  • HIV, AIDS or sexually transmitted disease – except as stated in the benefit schedule
  • HRT unless caused due to medical intervention
  • Morbid obesity
  • Nursing homes, convalescence homes, health hydros and nature cure clinics
  • Pregnancy or maternity – unless this option has been chosen
  • Pre-existing Conditions, unless agreed by Us in writing
  • Professional sports
  • Reproductive medicine
  • Routine examinations, health screening – unless this additional option has been chosenRoutine examinations, health screening – unless this additional option has been chosen
  • Second opinions
  • Self-inflicted injuries or attempted suicide
  • Sexual problems and gender re-assignment
  • Sleep disorders
  • Travel/accommodation costs – except those pre-authorised by us
  • Travelling against medical advice
  • Treatment by a family member
  • Treatment charges outside of our reasonable and customary range
Table of Benefits
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