SimpleCare—Frequently Asked Questions
Who can get cover with Now Health?
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 they offer cover for local nationals. For the most up to date information on which local national countries they can offer cover in, request a call back from their service team, who will be happy to help.
How do you calculate my premium?
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.
Countries of residence are categorized into areas and the premiums are calculated based on the area and ages of the applicants.
What happens if I don’t provide full details of previous conditions?
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.
What happens if my information changes after I have applied for my plan?
All of Now Health‘s quotations are valid for 30 days and you can apply for cover up to 60 days in advance of your requested start date. If your information changes in between any of these periods of time, please tell Now Health as soon as possible as it might have an impact on your application. An example of a change of information might be a change of address for you, a member of your plan moving to another country or a change in the medical condition of any of the people in the plan. If you’re not sure whether a change in your information is important, please let them know so they can correctly assess your application.
Where can I get treatment?
You can get treatment for eligible medical conditions worldwide. You may be able to access our provider network if you have a nil excess or have elected to buy our out-patient direct billing option so that you can obtain treatment without paying up-front.
Alternatively, you can contact your nearest service team to check eligibility and place a guarantee of payment for you, so you don’t need to pay in advance.
The third option is to pay and claim your expenses back. Providing your claim is eligible and the charges are reasonable and customary, you can recoup your expenses. You will, of course, have to pay for any excess or co-insurance that is due based on your plan option.
How do I check if a condition or treatment is eligible?
The first place to check for eligibility is the members’ handbook. You will find a copy in the ‘My plan’ section of your online portfolio area. Check which plan option you have and any additional options you have selected on your plan. You can check to see if the benefit you want to claim under is fully covered up to the annual maximum benefit limit, has any annual or lifetime limits in place, or isn’t covered.
If you are in any doubt, please call your nearest customer service team, who will be happy to help. Request a call me back at a time that’s convenient or call us directly.
Claiming for all out-patient treatment
Step 1 – Choose how you would like to claim
You can download a claim form from your secure online portfolio to send to us or use a printed claim form. You can request a form from Our customer service team, or your intermediary if you are using one. Request a call me back from your nearest office to request a printed claim form, or if you would like help to access your online secure portfolio area.
Step 2
Complete sections 1 and 2 of the claim form, signed by the Claimant. The receipt must include details of the Medical Condition, the treatment provided, the date and the name of the condition, qualifications, contact details and stamp of the attending medical practitioner.
Step 3
You can send us your completed claim form and supporting documents in one of three ways:
- Email scans of your claim form and documents to your nearest office, or
- Fax your claim form and documents to your nearest office, or
- Post your claim form and documents to your nearest office
Step 4
Now Health will assess your claim. Provided they have all the information they need, they will pay all eligible claims within five working days of receipt.
Step 5
You can track all your claims using your online secure portfolio area. Log in at any time using your username and password to see how your claim is progressing. You will be able to view the status, the provider, the currency claimed and settled and the benefit for each individual claim, as well as any excess or co-insurance deducted. All updates are displayed as they happen so you always have the latest information on your claims. Now Health will email or SMS you every time there is a change to the claims status on your account so you know the most relevant time to log in.
Claiming for all in/day–patient treatment over
Step 1 – Choose how you would like to claim
You can download a claim form from your secure online portfolio to send to us or use a printed claim form. You can request a form from Now Health’s customer service team, or your intermediary if you are using one.
Step 2
Complete sections one and two of the claims form, sign it and ask your medical practitioner to complete section three.
Step 3
You can send Now Health your completed claim form and supporting documents in one of three ways:
- Email scans of your claim form and documents to your nearest office, or
- Fax Your claim form and documents to your nearest office, or
- Post Your claim form and documents to your nearest office
Step 4
Now Health Claims Group will assess your claim. Provided they have all the information they need, they will pay all eligible claims within five working days of receipt.
Step 5
You can track all your claims using your online secure portfolio area. Log in at any time using your username and password to see how your claim is progressing. You will be able to view the status, the provider, the currency claimed and settled and the benefit for each individual claim, as well as any excess or co-insurance deducted. All updates are displayed as they happen so you always have the latest information on your claims. Now Health will email or SMS you every time there is a change to the status of the claim on your account so you know the most relevant time to log in.
When can I apply for health insurance?
All of Now Health’s quotations are valid for 30 days and you can apply for cover up to 60 days in advance of your requested start date.
How much does health insurance plan cost?
Now Health SimpleCare has three plans to fit your lifestyle. All three SimpleCare plans are great if you’re on a budget. SimpleCare CORE is the cheapest but offers the least coverage. SimpleCare 100 and 250 offer more coverage at a higher price. To determine how much a plan for you and your family will cost, click here for a free quote.
How can I contact Now Health if I want to discuss my existing treatment plan?
Beijing
Now Health International (Shanghai) Limited Beijing Branch
Existing plans and claims
Telephone: +852 2279 7310
Fax: +852 2279 7330
E-mail: [email protected]
Shanghai
Now Health International (Shanghai) Limited
Existing Plans and Claims
Telephone: +(86) 400 077 7500 or +(86) 21 6156 0910
Fax: +(86) 400 077 7900
E-mail: [email protected]
When do I pay for treatment?
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 amount yourself.
How do deductibles work?
Members may choose from a range of annual deductibles to help lower their premium. The deductible you choose is what you must pay out of pocket towards your medical bill annually.
Am I covered for dental treatment?
Now Health SimpleCare 250 is the only plan from SimpleCare that offers coverage for routine and complex dental care.
Am I covered for inpatient treatment?
All three plans from SimpleCare (CORE, 100, and 250) provide coverage for in and day-patient treatment.
Am I covered for outpatient treatment?
SimpleCare 100 and 250 provide coverage for outpatient treatment. SimpleCare CORE does not provide coverage for outpatient treatment.
