Now Health International
Now Health International sells the WorldCare and SimpleCare international health plans. In the UAE the insurer is Arabia Insurance Company S.A.L., and Now Health International Gulf Third Party Administrators LLC handles the claims and service. AM Best rates Arabia Insurance B+ (Good) and changed its outlook to negative on 11 December 2025.
- Google Play1.863 ratings
What customers say about Now Health International
Now Health International health insurance
Now Health sells two plan families to individuals and families in the UAE. WorldCare has annual limits from USD 3 million to USD 4.5 million, and SimpleCare has limits of USD 1 million and USD 1.5 million. Both give worldwide cover excluding the USA, and all limits are in US dollars.
| Plan | Type | What it is |
|---|---|---|
| WorldCare Essential | International plan | In-patient and day-patient treatment. Worldwide excluding the USA. Annual limit USD 3 million. Not available to people with an Abu Dhabi residence visa.7 |
| WorldCare Advance | International plan | In-patient, day-patient and out-patient treatment. Worldwide excluding the USA. Annual limit USD 3.5 million.7 |
| WorldCare Excel | International plan | As Advance, with dental cover and generally higher limits. Annual limit USD 4 million.7 |
| WorldCare Apex | International plan | As Excel, with dental and maternity cover and higher limits. Annual limit USD 4.5 million.7 |
| SimpleCare CORE | In-patient plan | In-patient and day-patient treatment. Worldwide excluding the USA. Annual limit USD 1,000,000. Not available to people with a Dubai or Abu Dhabi residence visa.11 |
| SimpleCare 100 | International plan | As CORE, with generally higher limits and limited out-patient cover. Annual limit USD 1,500,000. Not available to people with an Abu Dhabi residence visa.11 |
| Cover | With this insurer | Details |
|---|---|---|
| Dubai mandatory benefits | Depends on plan | WorldCare Advance, Excel and Apex and SimpleCare 100 include, for people who are resident or working in Dubai, a Dubai Health Authority mandatory benefit of up to USD 41,000 per person per period of cover for listed basic services in the UAE. In-patient maternity under it is limited to USD 2,750 for a normal pregnancy and USD 2,750 for a caesarean. The WorldCare Essential and SimpleCare CORE benefit schedules do not list it.7 |
| Out-patient treatment | Depends on plan | Included on WorldCare Advance, Excel and Apex. An option on WorldCare Essential. Limited on SimpleCare 100. None on SimpleCare CORE.7 |
| Dental | Depends on plan | WorldCare Excel and Apex. Waiting periods apply, so read the benefit schedule.7 |
| Maternity | Depends on plan | WorldCare Apex. Waiting periods apply, so read the benefit schedule.7 |
| Direct billing | Included | At hospitals and clinics in the Now Health International Provider Network. Abu Dhabi residents have a separate provider list.7 |
| Out-patient per-visit excess | Optional extra | USD 25 or USD 15 per consultation on WorldCare Advance, Excel and Apex. People with an Abu Dhabi residence visa can choose USD 15.7 |
| Out-patient co-insurance | Optional extra | 10% or 20% on WorldCare. Not available to people with an Abu Dhabi residence visa.7 |
| Restricted hospital network | Optional extra | A discount on WorldCare in return for limited access to the American Hospital, City Hospital, Welcare Hospital and Mediclinic Group clinics.12 |
More cover details (1)
| Cover | With this insurer | Details |
|---|---|---|
| Treatment in the USA | Optional extra | WorldCare excludes the USA unless you add the USA elective treatment option.7 |
Published prices
- The UAE WorldCare page is titled "Starting at USD 177/Month", as of 11 November 2026. It does not give the age, plan or deductible behind that figure.12
- The UAE SimpleCare page is titled "Starting at USD 18/Month", as of 11 November 2026. It does not give the age, plan or deductible behind that figure.13
Check before you buy
- Arabia Insurance is not on the Dubai Health Authority list of insurers taking part in the Essential Benefits Plan.14
- Every individual plan is fully medically underwritten. You answer questions about each person's medical history when you apply.16
- On 11 November 2026 the UAE website, worldcare.ae, opened with a browser security warning. Its security certificate expired on 11 May 2026. The handbooks below are on that website.19
Policy documents
- WorldCare Members' Handbook, individuals and families, UAEMembers' handbook, effective 1 April 2026, 2026
- SimpleCare Members' Handbook, individuals, UAEMembers' handbook, effective 1 April 2026, 2026
How to claim with Now Health International
- Claims phone+971 4 450 1410
- Claims emailClaimsService@now-health.com
Steps
- Before a hospital stay, contact customer service five working days ahead, or as early as you can, on +971 4 450 1410 or ClinicalService@now-health.com. Now Health will try to settle the bill directly with the hospital.7
- For treatment you paid for, claim in the online portfolio at www.now-health.com or in the mobile app, or send a claim form by email to ClaimsService@now-health.com or by post.7
- For an in-patient or day-patient claim over USD 500 per medical condition, you and your doctor must both complete the claim form.7
- Send the claim within six months of treatment.7
- You must send a claim within six months of treatment, unless that is not reasonably possible.7
- Now Health says it processes eligible claims within five working days of receipt, once it has all the information it needs. Allow extra time for the bank.7
Not happy with a claim? Complain to Now Health International at CustomerService@now-health.com first. How to complain about a health insurer.
About Now Health International
- Legal name
- Now Health International Gulf Third Party Administrators LLC
- Founded
- 20109
- Type
- Health plan administrator. The Central Bank register lists Now Health International Gulf Third Party Administrators LLC as a claims administrator, number 26, and Arabia Insurance Company sal as a foreign insurance company, number 20.2
- Headquarters
- Dubai, according to now-health.com. The UAE website, worldcare.ae, says Hong Kong.9
- UAE branches
- Its UAE contact page lists one office, at Burj Nahar Mall in Deira, Dubai. The administrator's registered address is in Al Ghaith Tower, Hamdan Street, Abu Dhabi.7
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 262
Financial strength
These grades belong to Arabia Insurance Company S.A.L., the insurer of Now Health's UAE plans. Now Health International administers the plans and does not carry the insurance risk.
Recent news
- UAE members' handbooks take effect
The WorldCare and SimpleCare handbooks for UAE individuals name Arabia Insurance Company S.A.L. as the insurer and are effective from 1 April 2026.7
- AM Best changes its outlook on the insurer of UAE plans to negative
AM Best affirmed Arabia Insurance Company's financial strength rating of B+ (Good) and changed the outlook from stable to negative. It cited the decline in the company's operating performance in recent years.6
Contact Now Health International
- Phone, customer service+971 4 450 1410
- Phone, sales+971 4 450 1400
- Phone, emergency evacuation+971 4 450 1440
- EmailCustomerService@now-health.com
- Complaints emailCustomerService@now-health.com
- HoursUAE team Monday to Friday, 9am to 5pm. Other customer service teams answer 24 hours a day.
- Head officeOffices 10, 11 and 12, Block D3, Xavier Business Centre, Level M2, Burj Nahar Mall, Deira, Dubai. P.O. Box 334337.
Common questions
Is Now Health International an insurance company in the UAE?
No. Now Health says plans issued in the UAE are insured by Arabia Insurance Company S.A.L. and administered by Now Health International Gulf Third Party Administrators LLC. A separate company in the Dubai International Financial Centre, Now Health International Limited, issues plans that are only available to people outside the UAE.1
Where can I read Now Health International reviews?
On Google Play the Now Health International app had 1.8 out of 5 from 63 ratings on 11 November 2026.17
How do I claim on a Now Health plan in the UAE?
Claim in the online portfolio at www.now-health.com or in the mobile app, or email a claim form to ClaimsService@now-health.com. Send it within six months of treatment. Before a hospital stay, call +971 4 450 1410 five working days ahead. Now Health says it will try to settle the bill directly with the hospital.7
Can I buy a Now Health plan with a Dubai or Abu Dhabi residence visa?
It depends on the plan. SimpleCare CORE is not available to people with a Dubai or Abu Dhabi residence visa. SimpleCare 100 and WorldCare Essential are not available to people with an Abu Dhabi residence visa. Ask Now Health which plan it will issue for your visa before you apply.11
Does Now Health sell Dubai's Essential Benefits Plan?
No. Neither Now Health nor Arabia Insurance is among the 20 insurers the Dubai Health Authority lists as taking part in the Essential Benefits Plan.14
How do I contact Now Health International in Dubai?
Call customer service on +971 4 450 1410 or email CustomerService@now-health.com. The office is at Offices 10, 11 and 12, Block D3, Xavier Business Centre, Level M2, Burj Nahar Mall, Deira. The UAE team works Monday to Friday, 9am to 5pm.8
How do I complain about Now Health?
Start with customer service on +971 4 450 1410 or CustomerService@now-health.com. Now Health says it replies to a written complaint within five working days, and that its Managing Director replies within 10 working days if you take it further. After that you can go to the Dubai Health Authority, the Department of Health in Abu Dhabi or Sanadak.15
Sources
19
1Now Health International, Conditions of Use. Last checked 11 Nov 2026. Source document: Conditions of Use
2Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
3Dubai Health Authority, Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
4Dubai Health Authority, DHA Health Insurance Permit. Last checked 11 Nov 2026. Source document: DHA Health Insurance Permit
5Dubai Financial Services Authority, Public register: Now Health International Limited. Last checked 11 Nov 2026. Source document: Public register: Now Health International Limited
6AM Best, AM Best Revises Outlooks to Negative for Arabia Insurance Company s.a.l.. Last checked 11 Nov 2026. Source document: AM Best Revises Outlooks to Negative for Arabia Insurance Company s.a.l.
7Now Health International and Arabia Insurance, WorldCare Members' Handbook, individuals and families, UAE. Effective 1 Apr 2026. Last checked 11 Nov 2026. Source document: WorldCare Members' Handbook, individuals and families, UAE
8Now Health International, UAE website, Contact Now Health - Phone Numbers, Email, Chat Support, WhatsApp. Last checked 11 Nov 2026. Source document: Contact Now Health - Phone Numbers, Email, Chat Support, WhatsApp
9Now Health International, About Us. Last checked 11 Nov 2026. Source document: About Us
10Now Health International, UAE website, About Us - An International Private Medical Insurance Provider. Last checked 11 Nov 2026. Source document: About Us - An International Private Medical Insurance Provider
11Now Health International and Arabia Insurance, SimpleCare Members' Handbook, individuals, UAE. Effective 1 Apr 2026. Last checked 11 Nov 2026. Source document: SimpleCare Members' Handbook, individuals, UAE
12Now Health International, UAE website, WorldCare for United Arab Emirates: Worldwide Health Cover Starting at USD 177/Month. Last checked 11 Nov 2026. Source document: WorldCare for United Arab Emirates: Worldwide Health Cover Starting at USD 177/Month
13Now Health International, UAE website, SimpleCare: Affordable Health Insurance Starting at USD 18/Month. Last checked 11 Nov 2026. Source document: SimpleCare: Affordable Health Insurance Starting at USD 18/Month
14Dubai Health Authority, DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
15Now Health International, UAE website, Complaints - Now Health. Last checked 11 Nov 2026. Source document: Complaints - Now Health
16Now Health International, UAE website, Our Underwriting Partners - Now Health. Last checked 11 Nov 2026. Source document: Our Underwriting Partners - Now Health
17Google Play, Now Health International. Last checked 11 Nov 2026. Source document: Now Health International
18Apple App Store, Now Health International. Last checked 11 Nov 2026. Source document: Now Health International
19Now Health International, UAE website, International Health Insurance - Now Health. Last checked 11 Nov 2026. Source document: International Health Insurance - Now Health
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published