Now Health International Health Insurance

Who is Now Health International

Now Health International is a specialist international health insurer founded in 2010, with headquarters in Hong Kong and regional offices in Beijing, Shanghai, Singapore, Jakarta, Dubai, and the United Kingdom. The company employs over 300 people and serves more than 100’000 members across 200 countries and territories.

Now Health International focuses exclusively on international private medical insurance, offering flexible plans for individuals, families, and corporate clients through its WorldCare and SimpleCare product ranges. Its proposition combines comprehensive global coverage with digital innovation and high service standards. In many countries, Now Health can also insure local nationals.

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Advantages with Now Health International

Clients decide to obtain global medical insurance with Now Health International due to various reasons, including the below highlighted.

Customized insurance cover

Tiered insurance cover structure, with separate inpatient and outpatient deductible to tailor your global insurance plan.

5-star reliability and trust

Long-term international health insurance provider with high-level customer service experience and sustainable long-term pricing.

Flexible payment options

Choose to pay by bank transfer or credit with payment frequencies from monthly to annually.

Medical provider network

Large global network with hospitals, clinics and doctors to ease acceptance of insurance card and direct billing.

Preferred terms through SIP

With SIP as your Now Health International broker, you benefit from additional cover free of charge, exclusive discounts, and priority service.

24/7 support services

A customer service team that is available night and day 365 days per year. English is the main language, and other languages may be a benefit.

Different area of cover options

Select the coverage area that suits your policy best. Worldwide, worldwide excluding USA, or regional cover.

Customer mobile app

Conveniently download your policy documents, submit claims, and manage your policy online.

Now Health International’s Private Medical Insurance Plans

The global medical insurance plans of Now Health International offer four levels of cover, a range of international and regional areas of cover, various optional modules, and separation between a deductible that applies to high-risk, high-cost medical services and a deductible that applies per visit for day-to-day healthcare services.

This policy structure provides flexibility to tailor a cost-effective plan that suits your individual needs. After evaluating what cover you are looking for, we will quote the various insurance options and present you with a comparison of insurance benefits and premiums.

On WorldCare, Now Health is offering the following plan options:

Plan levels: Essential, Advance, Excel, Apex
Area of cover: Worldwide, worldwide excluding USA, regional
Optional modules: Extended Evacuation, Dental Care, Wellness, Optical and Vaccination
In- and daypatient deductible: Between USD 0 and USD 15’000
Outpatient deductible: USD 15 per visit, USD 25 per visit, 10% co-insurance, 20% co-insurance

For a smaller budget and reduced cover, the SimpleCare plans offer the following plan options:

Plan levels: SimpleCare Core, SimpleCare 100, SimpleCare 250
Area of cover: Worldwide, worldwide excluding USA, regional
Optional modules: None
In and daypatient deductible: between USD 0 and USD 15’000
Outpatient deductible: USD 25 per visit, 20% co-insurance

With a large range of options, Now Health offers everything from major medical insurance for catastrophic events only, to most comprehensive international private medical insurance. Now Health’s offering may not be very attractive for people seeing maternity cover.

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Which application forms does Now Health International offer?

Applying for international health insurance always requires an application form, a passport copy of all insured individuals, and proof of address (for example, a utility bill, a credit card statement, a letter from the authorities or similar that is not older than 3 months). The following application types are offered:

Full Medical Underwriting (FMU): requires applicants to complete a comprehensive medical questionnaire as part of their application. You are expected to disclose any past or present medical conditions, including those that have been formally diagnosed as well as symptoms that have not yet resulted in a diagnosis. Based on this information, the insurer will decide whether to approve the application without restrictions, exclude specific pre-existing conditions from coverage, or accept the condition with a premium loading to reflect the increased risk. FMU is often preferred by individuals who value transparency and want clarity about what is covered and what is not, right from the start of their policy.
Continuous Personal Medical Exclusion (CPME): is typically offered when you are transferring from one international health insurance company to another. This underwriting method seeks to maintain the same medical exclusions already applied to your existing policy. A medical questionnaire is mostly still required, but in a reduced format. CPME is especially useful for those who have already undergone FMU and wish to switch insurers without losing access to previously agreed terms. However, availability depends on the specific insurers involved and is not universally offered.