Prioritizing expats and international students and offering a fast, accessible web-based customers service, Now Health International represents the latest innovations in health insurance.
Now Health offer plans for both individuals and families, as well as for companies. Unlike most insurance companies, which offer a range of other insurance products and services, Now Health only works with health insurance.
Launched in Hong Kong in 2011 after two years of planning, Now Health regional service centers in Hong Kong, Shanghai, Dubai, Jakarta, and the United Kingdom. Since it acquired Best Doctors Insurance in 2015, it has become one of the largest international private medical insurance companies in the world. Now Health has 11 sales/service offices across the globe, more than 130,000 members, in excess of 370 staff and more than 5,000 distribution partners.
Contact Now Health
Now Health International
Unit 3701, Burj Al Salam Building
3 Sheikh Zayed Rd
PO Box 334337
Dubai, UAE
Customer Service +971 (0)4450 1410
Sales +971 (0)4450 1400
Emergency +971 (0)4450 1440
Sales – Intermediary
For in-patient admissions contact [email protected] who will act as case managers for all inpatient and hospital admissions, and assist with securing treatment preauthorization.
Contact [email protected] for all payment-related queries as well as to update your payment details.
Alternatively, fill in the contact form on their website.
Why buy Now Health
Now Health has two broad categories of health insurance, SimpleCare and WorldCare, and within these there are three SimpleCare packages and four WorldCare packages. Broadly the WorldCare packages have higher maximum limits and more full refunds (rather than coverage that is subject to limits).
The SimpleCare Core package has an annual maximum benefit limit of USD 1 million, subject to limits it covers inpatient and day-patient care, organ transplant, evacuation and repatriation, congenital disorders, rehabilitation, and full cover for cancer treatment and day patient or outpatient surgery.
The SimpleCare 100 package has an annual maximum benefit limit of USD 1.5 million, and subject to limits it covers inpatient and day-patient care, organ transplant, evacuation and repatriation, congenital disorders, rehabilitation, outpatient medical practitioner fees, and maintenance of chronic medical conditions, you can opt in for outpatient per visit excess and co-insurance outpatient insurance, and the plan offers full cover for cancer treatment and day patient or outpatient surgery.
The SimpleCare 250 package also has an annual maximum benefit limit of USD 1.5 million, subject to limits it covers inpatient and day-patient care, organ transplant, evacuation and repatriation, congenital disorders, rehabilitation, outpatient medical practitioner fees, and maintenance of chronic medical conditions, routine and complex dental treatment, you can opt in for outpatient per visit excess and co-insurance outpatient insurance, and the plan offers full cover for cancer treatment and day patient or outpatient surgery.
The WorldCare Essential package has an annual maximum benefit limit of USD 3 million and (subject to limits) it covers congenital disorders, rehabilitation, and outpatient medical practitioner fees, customers get full cover for covers inpatient and day-patient care, organ transplant, evacuation and repatriation, pregnancy and childbirth medical conditions, you can opt in for USA elective treatment, outpatient charges, and co-insurance outpatient insurance, and the plan offers full cover for inpatient and day-patient care, organ transplant, evacuation and repatriation, pregnancy and childbirth medical conditions, cancer treatment and day patient or outpatient surgery.
The WorldCare Advance package has a annual maximum benefit limit of USD 3.5 million and subject to limits it covers congenital disorders, and rehabilitation, customers get full cover for covers inpatient and day-patient care, organ transplant, evacuation and repatriation, pregnancy and childbirth medical conditions, you can opt in for USA elective treatment, outpatient per visit excess, and co-insurance outpatient insurance, and the plan offers full for inpatient and day-patient care, organ transplant, evacuation and repatriation, pregnancy and childbirth medical conditions, outpatient medical practitioner fees, maintenance of chronic medical conditions, cancer treatment and day patient or outpatient surgery.
The WorldCare Excel package has a annual maximum benefit limit of USD 4 million and (subject to limits) it covers congenital disorders, and routine and complex dental treatment, customers can opt in for USA elective treatment, outpatient per visit excess, and co-insurance outpatient insurance, and the plan offers full cover for inpatient and day-patient care, organ transplant, evacuation and repatriation, rehabilitation, pregnancy and childbirth medical conditions, outpatient medical practitioner fees, maintenance of chronic medical conditions, cancer treatment and day patient or outpatient surgery.
The WorldCare Apex package has an annual maximum benefit limit of USD 4.5 million and subject to limits it covers congenital disorders, routine and complex dental treatment, and routine maternity care, customers can opt in for USA elective treatment, outpatient per visit excess, and co-insurance outpatient insurance, and the plan offers full cover for inpatient and day-patient care, organ transplant, evacuation and repatriation, rehabilitation, pregnancy and childbirth medical conditions, outpatient medical practitioner fees, maintenance of chronic medical conditions, cancer treatment and day patient or outpatient surgery.
If you’re not sure which plan to choose, Now Health have a helpful questionnaire on their website that can help you make up your mind.
Value added extras
Customers can submit a claim on the Now Health International app (Apple and Android). The app’s Find A Provider service allows you to find the nearest hospitals and clinics that are registered with Now Health wherever you are on the planet. You can also create a list of your favorite facilities near you, call the provider using the app, and then use it to add your appointment to your online calendar.
Now Health International have a series of useful How To video guides on their website.
How to make a claim
If you have already paid for outpatient treatment (for instance a trip to your GP) you can ask for reimbursement. However, when you have to be admitted to hospital for inpatient treatment, you must contact Now Health to preauthorize your treatment to make sure both your treatment and the hospital are covered and to guarantee payment.
There are two ways ask for reimbursement:
Use the Now Health secure online portfolio portal
Use the Now Health app (Apple and Android)
For both the online portfolio and the app, go to the My Claims section and fill in the form. Don’t forget to attach scanned copies of any diagnostic reports and receipts and invoices from the healthcare provider.
You will be alerted that your claim has been received and then you can track the status of your claim in My Claims area of both your portfolio and the app.
FAQS
I am a UAE citizen; can I use Now Health International?
Now Health is designed for people working internationally, aka expats, but they do offer cover for some local nationals. You will have to contact Now Health to see whether they will provide health insurance for Emirati nationals in the country (if you’re moving abroad, that should be fine).
Does Now Health provide other types of health insurance?
No, Now Health only provides international private medical insurance (IPMI) and does not provide travel insurance or domestic health insurance.
What do I do when things change after I have applied for a Now Health plan?
Change happens, so Now Health quotations are valid for 30 days and you can apply for 60 days cover in advance of your requested start date. Any change of information might impact your application, so let the company know if anything changes during this time.
What if I don’t provide my full details of a previous medical condition?
When you apply for health insurance, you must provide full medical history. Your plan may be invalidated if you fail to disclose a previous condition. However, Now Health’s medical underwriting method involves detailed questions about your medical history, which should jog your memory and ensure everything is covered.
How does Now Health calculate my premium?
Each premium is unique and calculated according to your age at the date you start or renew your plan, your previous medical history and current lifestyle, and your country of residence.