WorldCare: Comprehensive Worldwide Cover
The WorldCare plan from Now Health International Insurance offers the full suite of benefits expats look for in an international insurance plan. WorldCare is offered at four different plan levels in order to fit your needs and your budget. The four different products offered through WorldCare are called Essential, Advance, Excel, and Apex, and range from inpatient-only coverage to a WorldCare comprehensive plan. Each level comes with excellent service, including fast and accurate claims services and state-of-the-art digital tools that make managing your health easy.
These plans also offer added services, such as travel assistance, global medical concierge services, member assistance programs and even the option of a second medical opinion. WorldCare gives subscribers access to top-quality healthcare anywhere in the world.
The WorldCare plan from Now Health International offers the full suite of benefits expats look for in an international insurance plan. WorldCare is offered at four different plan levels in order to fit your needs and your budget. The four different products offered through WorldCare are called Essential, Advance, Excel, and Apex, and range from inpatient-only coverage to a WorldCare comprehensive plan. Each level comes with excellent service, including fast and accurate claims services and state-of-the-art digital tools that make managing your health easy.
These plans also offer added services, such as travel assistance, global medical concierge services, member assistance programs and even the option of a second medical opinion. WorldCare gives subscribers access to top-quality healthcare anywhere in the world.
WorldCare Highlights
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Now Health WorldCare Plan Levels
WorldCare Essential
Are you looking for core coverage in case of an accident or health crisis? The Essential Plan was designed to cover you for the high costs associated with significant medical events outside of your home country. The WorldCare Essential level takes care of people who want to be sure they can access in-patient and day-patient healthcare when they need it. The plan offers a broad range of annual deductibles for those who want to keep their premiums as low as possible. If you want to add a small amount of out-patient treatment to your plan, there is an option to add it for an additional cost.
WorldCare Advance
The Advance Plan is similar to the Essential Plan but has some additional elements. Like the Essential Plan, the Advance Plan covers you for in-patient and day-patient care. It also covers you for out-patient treatments including regular doctor visits and special appointments, such as physiotherapy and other alternative therapies. If you want to save on your premiums, choose from a wide range of annual deductibles for in- and day-patient treatment, as well as out-patient treatment per visit excess and co-insurance options.
WorldCare Excel
WorldCare Excel offers higher benefit limits and broader coverage than WorldCare Advance. WorldCare Excel covers subscribers for in-patient, out-patient, and day-patient treatment, all at higher benefit levels than WorldCare Advance. The Excel level also includes routine and complex dental care after a nine-month wait period. Like the Essential and Advance Plans, Excel also offers a wide range of deductibles to help keep your premiums as low as possible.
WorldCare Apex
The Apex Plan is WorldCare's most comprehensive plan with very high benefit limits. Apex includes in-patient, day-patient, and out-patient treatment at higher levels than WorldCare Excel. Routine maternity care after a twelve-month waiting period is also offered to those who purchase the Apex Plan. If you are planning to start a family while away from your home country, the Apex Plan will provide you with the highest level of cover.
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Now Health WorldCare Benefits
| Essential | Advance | Excel | Apex | |
|---|---|---|---|---|
| Annual Maximum Plan Limit | $3,000,000 | $3,500,000 | $4,000,000 | $4,500,000 |
| Deductible Options | ||||
| Standard Deductible | $0 | $0 | $0 | $0 |
| Optional Deductibles | $1,000, $2,500, $5,000, $10,000, or $15,000 | $1,000, $2,500, $5,000, $10,000, or $15,000 | $1,000, $2,500, $5,000, $10,000, or $15,000 | $1,000, $2,500, $5,000, $10,000, or $15,000 |
| Out-Patient Per Visit Excess | Not covered | Optional; $25 | Optional; $25 | Optional; $25 |
| Out-Patient Per Visit Excess - Option 2 | Not covered | Optional; $15 | Optional; $15 | Optional; $15 |
| Essential | Advance | Excel | Apex | |
|---|---|---|---|---|
| Maintenance of Chronic Medical Conditions | Not covered | Full refund | Full refund | Full refund |
| Hospital Charges, Medical Practitioner and Specialist Fees: (i) Hospital charges for in-patient and day-patient treatment (ii) Related ancillary charges | (i) Full refund (ii) Up to $1,500 per medical condition | (i) Full refund (ii) Up to $1,500 per medical condition | (i) Full refund (ii) Up to $2,000 per medical condition | (i) Full refund (ii) Up to $2,500 per medical condition |
| Diagnostic Procedures | Full refund | Full refund | Full refund | Full refund |
| Emergency Ambulance Transportation | Full refund | Full refund | Full refund | Full refund |
| Parent Accommodation | Full refund | Full refund | Full refund | Full refund |
| Renal Failure and Renal Dialysis: (i) Treatment of renal failure, including renal dialysis on an in-patient basis (ii) Treatment of renal failure, including renal dialysis on an a day-patient or out-patient basis | (i) Full refund for in-patient pre and post-operative care (ii) Up to $50,000 | (i) Full refund (ii) Up to $100,000 | (i) Full refund (ii) Up to $100,000 | (i) Full refund (ii) Up to $100,000 |
| Organ Transplant: (i) Treatment (ii) Donor medical costs | (i) Full refund (ii) Up to $50,000 | (i) Full refund (ii) Up to $50,000 | (i) Full refund (ii) Up to $50,000 | (i) Full refund (ii) Up to $50,000 |
| Cancer Treatment | Full refund | Full refund | Full refund | Full refund |
| Pregnancy Medical Conditions | Full refund | Full refund | Full refund | Full refund |
| New Born Cover | Up to $100,000 | Up to $100,000 | Up to $125,000 | Up to $150,000 |
| Hospital Accommodation for New Born Accompanying their Mother | Full refund | Full refund | Full refund | Full refund |
| Congenital Disorder | Up to $100,000 | Up to $100,000 | Up to $125,000 | Up to $150,000 |
| Reconstructive Surgery | Full refund | Full refund | Full refund | Full refund |
| Rehabilitation | Full refund for eligible In-patient Treatment only up to 30 days per medical condition | Full refund for up to 180 days per medical condition | Full refund | Full refund |
| In-Patient Emergency Dental Treatment | Full refund | Full refund | Full refund | Full refund |
| In-Patient Psychiatric Treatment | Full refund for up to 30 days | Full refund for up to 30 days | Full refund for up to 30 days | Full refund for up to 30 days |
| Terminal Illness | In-patient and Day-patient treatment up to $50,000 lifetime limit | Up to $50,000 lifetime limit | Up to $75,000 lifetime limit | Up to $100,000 lifetime limit |
| Emergency Non-Elective Treatment USA Cover | Full refund for accident requiring in-patient or day-patient care Illness: In-patient and day-patient care up to $25,000 Out-Patient Treatment in an Accident and Emergency Department in a hospital up to $500 | Full refund for accident requiring in-patient or day-patient care Illness: In-patient and day-patient care up to $25,000 Out-Patient Treatment in an Accident and Emergency Department in a hospital up to $500 | Full refund for accident requiring in-patient or day-patient care Illness: In-patient and day-patient care up to $35,000 Out-Patient Treatment in an Accident and Emergency Department in a hospital up to $500 | Full refund for accident requiring in-patient or day-patient care Illness: In-patient and day-patient care up to $50,000 Out-Patient Treatment in an Accident and Emergency Department in a hospital up to $500 |
| Evacuation (i) Transportation costs (ii) Reasonable local travel costs to and from medical appointments (iii) Reasonable travel costs for a locally accompanying person (iv) Non-hospital accommodation costs | (i), (ii), & (iii) Full refund (iv) Up to $200 per day, up to $7,500 per person, per evacuation | (i), (ii), & (iii) Full refund (iv) Up to $200 per day, up to $7,500 per person, per evacuation | (i), (ii), & (iii) Full refund (iv) Up to $200 per day, up to $7,500 per person, per evacuation | (i), (ii), & (iii) Full refund (iv) Up to $300 per day, up to $10,000 per person, per evacuation |
| Repatriation Repatriation to country of residence or nationality following treatment | Full refund | Full refund | Full refund | Full refund |
| Mortal Remains (i) Transportation of body or ashes of insured person to country of residence or country of nationality (ii) Burial or cremation costs at the place of death | (i) Full refund (ii) Up to $10,000 | (i) Full refund (ii) Up to $10,000 | (i) Full refund (ii) Up to $15,000 | (i) Full refund (ii) Up to $20,000 |
| Hospital Cash Benefit | $125 per night | $175 per night | $225 per night | $275 per night |
| Out-Patient Charges (i) Medical practitioner fees (ii) Teleconsultation (iii) Vitamins and minerals | (i) & (ii) Pre-operative consultations within 15 days from the admission and post hospitalization consultation within 30 days following discharge from hospital; up to $2,000 per medical condition (iii) Not covered | (i) & (ii) Full refund (iii) Up to $150 per period of cover | (i) & (ii) Full refund (iii) Up to $150 per period of cover | (i) & (ii) Full refund (iii) Up to $150 per period of cover |
| Menopause Hormone Replacement Therapy | Not covered | Up to $500 per period of cover | Up to $600 per period of cover | Up to $750 per period of cover |
| Day-Patient and Out-Patient Surgery | Full refund | Full refund | Full refund | Full refund |
| Out-Patient Psychiatric Illness | Not covered | Up to $2,500 | Up to $5,000 | Up to $7,500 |
| Out-Patient Physiotherapy and Alternative Therapies (i) Physiotherapy by a registered physiotherapist (ii) Complementary medicine and treatment by a therapist. (iii) Out-patient treatment for therapies administered by a recognized traditional Chinese medical practitioner or an Ayurvedic medical practitioner. | (i) Up to 5 sessions within 30 days after hospitalization (ii) & (iii) Not covered | (i) Full refund up to a maximum of 30 sessions (ii) & (iii) Full refund; up to a maximum of 30 visits | (i), (ii), & (iii) Full refund | (i), (ii), & (iii) Full refund |
| Nursing Care at Home (i) Care given by a qualified nurse (ii) Emergency out-of-hours medical practitioner home visits | (i) Up to $100 for up to 30 days per medical condition (ii) Not covered | (i) Full refund up to 45 days per medical condition (ii) Not covered | (i) Full refund up to 60 days per medical condition (ii) Not covered | (i) Full refund up to 120 days per medical condition (ii) Up to five visits |
| AIDS Cover only available after three years of continuous membership | In-patient and day-patient treatment only up to $25,000 | Up to $25,000 | Up to $40,000 | Up to $50,000 |
| Maternity Costs incurred within 12 months of plan start date are excluded | Not covered | Not covered | Not covered | Up to $17,500 |
| Dental Care (i) Routine dental treatment (ii) Complex dental treatment Costs incurred within nine months of plan start date are excluded. A co-insurance of 20% applies. Orthodontics subject to 50% co-insurance. | (i) & (ii) Not covered | (i) & (ii) Not covered | (i) Up to $1,000 (ii) Up to $2,000 | (i) Up to $1,500 (ii) Up to $3,000 |
Click here to view the full schedule of benefits.
WorldCare Additional Coverage Options
Members have the option to add more coverage in order to make their WorldCare plan more comprehensive, including USA elective treatment, wellness benefits (for all but the Essential tier), outpatient coverage (for the Essential tier) and more.
| Essential | Advance | Excel | Apex | |
|---|---|---|---|---|
| Dental Care (i) Routine dental treatment (ii) Complex dental treatment Costs incurred within nine months of plan start date are excluded. A co-insurance of 20% applies. | (i) Optional; Up to $250 per period of cover (ii) Optional; Up to $1,000 per period of cover | (i) Optional; Up to $250 per period of cover (ii) Optional; Up to $1,000 per period of cover | Already covered | Already covered |
| USA Elective Treatment | Optional; Up to $1.5M | Optional; Up to $1.5M | Optional; Up to $1.5M | Optional; Up to $1.5M |
| Co-Insurance Out-Patient Treatment (i) 10% Co-Insurance Out-Patient Treatment (ii) 20% Co-Insurance Out-Patient Treatment | (i) & (ii) Optional | (i) & (ii) Optional | (i) & (ii) Optional | (i) & (ii) Optional |
| Out-Patient Charges (i) Medical practitioner fees (ii) Teleconsultation (iii) Vitamins and minerals (iv) Physiotherapy, Treatment by therapist, and Treatment for therapies by traditional a Chinese or ayurvedic medical practitioner (v) Out-Patient Psychiatric Illness (vi) Menopause hormone replacement therapy | (i) & (ii) Up to $5,000 (iii) Up to $150 per period of cover in aggregate of overall out-patient charges benefit limit (iv) Full refund up to 10 sessions (v) Up to $500 per period of cover and subject to 10 sessions (vi) Up to $400 per period of cover | Already covered | Already covered | Already covered |
| Out-Patient Charges - Option 2 (i) Medical practitioner fees and maintenance of chronic conditions (ii) Teleconsultation (iii) Vitamins and minerals (iv) Physiotherapy, Treatment by therapist, and Treatment for therapies by traditional a Chinese or ayurvedic medical practitioner (v) Out-Patient Psychiatric Illness (vi) Menopause hormone replacement therapy | (i) & (ii) Up to $5,000 (iii) Up to $150 per period of cover in aggregate of overall out-patient charges benefit limit (iv) Full refund up to 10 sessions (v) Up to $500 per period of cover and subject to 10 sessions (vi) Up to $400 per period of cover | Already covered | Already covered | Already covered |
| Out-Patient Charges - Option 3 (i) Emergency out-patient benefit (ii) Pre and post-operative out-patient charges: Medical practitioner fees, teleconsultation, and physiotherapy by a registered psychotherapist | (i) Up to $300 per period of cover in aggregate and subject to $25 out-patient per visit excess (ii)Up to $3,500 per medical condition per period of cover; Physiotherapy is up to 5 sessions within 90 days following hospitalization in aggregate. | Not covered | Not covered | Not covered |
| Wellness, Optical and Vaccinations Costs incurred within 6 months of the plan start date are excluded. | Not covered | Combined limit up to $500 | Combined limit up to $500 | Combined limit up to $500 |
| Wellness, Optical and Vaccinations – Option 2 Costs incurred within 6 months of the plan start date are excluded | Not covered | Combined limit up to $1,000 | Combined limit up to $1,000 | Combined limit up to $1,000 |
| Africa Restriction | Optional | Optional | Optional | Optional |
| Extended Evacuation and Repatriation | Optional | Optional | Optional | Optional |
Click here to read about Now Health's additional coverage options.
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How Much Does a WorldCare Plan Cost?
Your WorldCare plan premium is initially based on your age and your region of residence. The number of dependents on your plan will affect your premium level. Your premium will also change based on the options you select. For example, a higher tier plan will have a higher premium. Adding optional coverage will also increase your premium. You can decrease your premium costs by increasing your deductible, among other factors.
Interested in learning more about WorldCare?
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WorldCare Eligibility
People residing in nations that are not covered by Now Health WorldCare plans may not receive insurance. Membership may also depend on local legislation in your country of residence. You must meet local legislation requirements in your country of residence at any time before and while you are a member of Now Health WorldCare medical plans.
Age limits also restrict eligibility. The minimum age to apply for a Now Health medical WorldCare 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 WorldCare plan. If you are adding dependents to your medical WorldCare 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 omitted to tell Now Health about, or you omit to tell Now Health everything about any condition, Now Health may refuse to pay that claim.
Interested in learning more about WorldCare?
Request a free quote today and our insurance experts will help you.
Now Health WorldCare FAQs
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.
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 on your plan option.
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.
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 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.
Members may choose from a wide range of annual deductibles for in- and day-patient treatment, all the way up to $15,000 for those who want to keep their premiums as low as possible. The deductible you choose is what you must pay out of pocket towards your medical bills annually before Now Health will pay your bills.
WorldCare Excel and Apex are the only WorldCare levels that offer coverage for routine and complex dental care.
All four WorldCare levels (Essential, Advance, Excel, and Apex) provide coverage for in and day-patient treatment.
WorldCare Advance, Excel, and Apex provide coverage for outpatient treatment. WorldCare Essential does not provide coverage for outpatient treatment.
Interested in learning more about WorldCare?
Request a free quote today and our insurance experts will help you.
