SimpleCare: A Completely Digital Plan
Now Health SimpleCare, launched in 2018, was designed in response to the growing number of digitally-savvy younger executives moving abroad for work. SimpleCare offers more affordable healthcare plans than traditional corporate executive expat insurance plans. Although the SimpleCare plans are cost-effective, they still provide comprehensive and benefit-rich coverage. SimpleCare is exclusively offered online, which makes taking care of any of your needs efficient and easy. Members can access their plan documents or submit a claim through their profile on the website or the Now Health app.
The three plans offered through SimpleCare are Core, 100, and 250. Each plan provides coverage for major health events, and customers can also choose to add additional coverage elements if they wish. Depending on your region of residency, SimpleCare plans may also offer you the choice of coverage only in your region or worldwide excluding the USA. (SimpleCare plans do not cover the USA.) The three plans offered are all transparent, meaning you know what is and is not covered. Each plan also has multiple deductible options, so you can meet both your needs and your budget. And because Now Health understands what matters, you will always receive excellent service.
SimpleCare Highlights
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SimpleCare CORE
SimpleCare CORE medical insurance is designed for cost-conscious individuals who want access to high-quality healthcare. CORE lives up to its name with coverage for all major in-patient treatment, including hospitalization, surgery, cancer treatment, as well as medical evacuation and repatriation. If you are also seeking outpatient coverage, then refer to the other two SimpleCare plans below. Residents of Africa, Europe and Southeast Asia (excluding Singapore and Indonesia) have the option to choose coverage for their region only or opt for worldwide cover (excluding the USA).
SimpleCare 100
SimpleCare 100 offers affordable in-patient and out-patient treatment coverage. The plan has the same excellent coverage for hospital, surgery, cancer, evacuation and repatriation that the CORE level has, plus higher levels of coverage for organ transplants. It also offers some cover for outpatient treatment include regular doctor visits, prescription drugs, and physiotherapy. Like the CORE level, subscribers can restrict their area of coverage to the region they reside in or expand their coverage so they can be covered when they visit home (excluding USA). Subscribers can also reduce their premiums by opting for a wide range of deductibles.
SimpleCare 250
SimpleCare 250 offers the most comprehensive coverage. As with the other SimpleCare plan levels, this plan fully covers hospital, surgery and cancer, with extensive coverage for evacuation and repatriation as well as the same level of coverage for organ transplants as the 100 level. It also offers the most coverage of the three for out-patient treatment, such as regular doctor visits, prescription drugs, and physiotherapy – and includes dental care as well. And, like the CORE and 100 levels, you can choose your region of coverage so that you are taken care of when you travel abroad or visit home (excluding the USA). You can also choose your own deductible to reduce the cost of your premium.
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SimpleCare Benefits
| Annual Maximum Plan Limit | $1,000,000 | $1,500,000 | $1,500,000 |
| Standard Deductible Other options available, see brochure for details | $500 | $500 | $500 |
| Residents of Africa Other options available, see brochure for details | Default Network: SimpleCare Africa Area of Cover: Africa, Indian sub-continent, Jordan, Lebanon and the Philippines | ||
| Residents of Europe Other options available, see brochure for details | Default Network: SimpleCare Europe Area of Cover: Europe | ||
| Residents of Southeast Asia (excluding Indonesia and Singapore) Other options available, see brochure for details | Default Network: SimpleCare South East Asia Area of Cover: Southeast Asia (excluding Singapore) | ||
| Residents: Rest of World | Default Network: SimpleCare Comprehensive Area of Cover: Worldwide excluding USA | ||
| Hospital Charges, Medical Practitioner and Specialist Fees: i) Hospital charges ii) Ancillary charges | (i) Full refund (ii) Up to $1,500 | ||
| Diagnostic Procedures: MRI, PET & CT Scans | Full refund for in-patient pre and post-operative scans | Full refund | Full refund |
| Renal Failure and Renal Dialysis: (i) In-Patient basis (ii) Day-Patient or Out-Patient basis | (i) Up to six weeks or $10,000 for in-patient pre and post-operative care (ii) Up to $10,000 | (i) Up to six weeks for in-patient pre and post-operative care (ii) $35,000 | (i) Up to six weeks for in-patient pre and post-operative care (ii) $35,000 |
| Organ Transplant | Up to $100,000 | Up to $150,000 | Up to $150,000 |
| Cancer Treatment | Full refund | Full refund | Full refund |
| New Born Cover | Up to $25,000 | Up to $35,000 | Up to $35,000 |
| Congenital Disorder | Up to $25,000 | Up to $35,000 | Up to $35,000 |
| Parent Accommodation | Full refund | Full refund | Full refund |
| Hospital Accommodation for New Born Accompanying their Mother | Full refund | Full refund | Full refund |
| Reconstructive Surgery | Full refund | Full refund | Full refund |
| Day-Patient or Out-Patient Surgery | Full refund | Full refund | Full refund |
| In-Patient Emergency Dental Treatment | Full refund | Full refund | Full refund |
| Rehabilitation | Full Refund up to 30 days per medical condition | Full Refund up to 90 days per medical condition | Full Refund up to 90 days per medical condition |
| Nursing Care at Home | Not covered | Full refund up to 30 days per medical condition | Full refund up to 30 days per medical condition |
| Emergency Ambulance Transportation | Full refund | Full refund | Full refund |
| Evacuation: Reasonable expenses for: i) Transportation costs ii) Reasonable local travel costs to and from medical appointments iii) Reasonable travel costs for a locally-accompanying person iv) Reasonable costs for non-hospital accommodation costs | Combined limit of $100,000 i) Full refund ii) Full refund iii) Full refund iv) Up to $200 per day, up to $7,500 per person, per evacuation | Combined limit of $100,000 i) Full refund ii) Full refund iii) Full refund iv) Up to $200 per day, up to $7,500 per person, per evacuation | Combined limit of $100,000 i) Full refund ii) Full refund iii) Full refund iv) Up to $200 per day, up to $7,500 per person, per evacuation |
| Repatriation: Repatriation to country of residence or country of nationality following treatment | Full refund | Full refund | Full refund |
| Emergency Non-Elective Treatment outside Area of Cover | Full refund for accident requiring in-patient or day-patient care Illness: in-patient and day-patient care up to $25,000 | Full refund for accident requiring in-patient or day-patient care Illness: in-patient and day-patient care up to $35,000 | Full refund for accident requiring in-patient or day-patient care Illness: in-patient and day-patient care up to $35,000 |
| Hospital Cash Benefit: Benefit is payable for each night an insured person receives in-patient treatment if: i) the treatment is received within the public hospitals of the insured person’s country of residence; or ii) this plan is purchased as a Secondary Health Insurance Plan Note: This benefit is not available for $10,000 or $15,000 deductible plans. | $125 per night, up to 30 nights | $250 per night, up to 30 nights | $250 per night, up to 30 nights |
| Annual Out-Patient Limit | N/A | $1,000 | $2,500 |
| Out-Patient Charges: i) Medical Practitioner fees ii) prescribed Drugs and Dressings | i) Pre-operative consultations within 15 days from admission and post hospitalization consultations within 30 days following discharge from hospital, Up to max $750 per medical condition ii) Not covered | i) Full refund up to annual out-patient limit ii) Full refund up to annual out-patient limit | i) Full refund up to annual out-patient limit ii) $1,250 i) & ii) subject to annual out-patient limit |
| Out Patient Physiotherapy and Alternative Therapies: i) Physiotherapy ii) Complementary medicine and Treatment: osteopaths, chiropractors, homeopaths, dietician and acupuncture iii) Treatment by a recognized Traditional Chinese Medicine Practitioner or an Ayurvedic Medical Practitioner | Not covered | i) $60 per visit ii) $60 per visit iii) $30 per visit Combined up to 10 visits for (i), (ii) & (iii), subject to annual out-patient limit | i) $80 per visit ii) $80 per visit iii) $40 per visit Combined up to 10 visits for (i), (ii) & (iii), subject to annual out-patient limit |
| Dental Care Waiting Period: Costs incurred within nine months from the Start Date are excluded Orthodontics and dental implants not covered | Not covered | Not covered | $300, subject to 20% co-insurance |
Click here to view the full schedule of benefits.
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How Much Does a SimpleCare Plan Cost?
Premiums are calculated based on a number of factors. Your age and the country you will be residing in determine the base cost of your premium.
You can customize your premium with the level of coverage you select, the geographical area of coverage you select, the deductible you choose and co-payment and deductible choices you make for out-patient coverage.
SimpleCare CORE, which only provides in-patient coverage, is the most affordable plan level. SimpleCare 100 and 250 include as much or more inpatient coverage than CORE, and share most of the same outpatient benefits, but SimpleCare 250 has higher medical maximums and also includes dental coverage.
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Now Health SimpleCare Eligibility
Now Health has designed SimpleCare for people who want to access healthcare internationally. It is mostly suitable for expatriates (people who live outside their country of nationality) but in some areas, local nationals can also purchase coverage.
You must meet local legislation requirements in your country of residence at any time before and while you are a member of Now Health medical SimpleCare plans. Age limits also restrict eligibility. The minimum age to apply for a Now Health medical SimpleCare plan is 18 years of age, and the maximum entry age is 79. You must be under 80 years of age at the entry date of your SimpleCare plan. If you are adding dependents to your medical SimpleCare plan, they must be covered under the same level of benefits as the plan holder.
Full Medical Underwriting
Now Health requires each person covered by their plans to complete and return an application form, including the medical declaration. If you answer yes to any of the medical questions, you must provide details of the date and diagnosis, past/current and known future treatments, and details of the frequency and severity of symptoms, including the date of the last episode. If they are available, you should also provide any medical reports or test results with your application. All information will be treated in strict confidence. If you submit a claim for the treatment of any condition which you did not tell Now Health about, or you fail to tell Now Health everything about any condition, Now Health may refuse to pay that claim.
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Now Health SimpleCare FAQs
Now Health has designed their product for people who want to access healthcare internationally. It is mostly suitable for expatriates, but there are some territories in which they offer cover for local nationals.
Premiums are based on the ages of the people applying for cover at the entry date or renewal date of the plan and the country of residence of the main insured person, as well as the various plan options they select.
Countries of residence are categorized into areas and the premiums are calculated based on the area and ages of the applicants, as well as the plan options they select.
Now Health operates a full medical underwriting approach, which means that they ask detailed questions about each person’s medical history as part of the application process. It’s important to disclose all the information they ask for as part of this process as anything that hasn’t been disclosed may invalidate the plan.
If you inform Now Health of your medical treatment ahead of time they will arrange to pay the hospital or doctor. If you do not inform Now Health ahead of time then you can submit a claims form to be reimbursed for the treatment up to 6 months after the treatment. If you have chosen a deductible, then you will have to pay the deductible amount yourself.
Members may choose from a range of annual deductibles to help lower their premiums. The deductible you choose is what you must pay out of pocket towards your medical bill annually. The deductible amount must be paid before Now Health will pay for coverage.
Now Health SimpleCare 250 is the only plan from SimpleCare that offers coverage for routine and complex dental care.
All three plans from SimpleCare (CORE, 100, and 250) provide coverage for in and day-patient treatment.
SimpleCare 100 and 250 provide coverage for outpatient treatment. SimpleCare CORE does not provide coverage for outpatient treatment.
Interested in learning more about SimpleCare?
Request a free quote today and our insurance experts will help you.
