Now Health International WorldCare Essential
Type of plan
WorldCare Essential
Maximum coverage per insured
US$3,000,000
Age limit to apply
Not specified
Waiting period
Not specified
Coverage outside USA
Africa restriction, optional coverage
Coverage inside USA
USA elective treatment, optional coverage
Inpatient Benefits
Standard private hospital room
Full refund
Related ancillary charges
• US$1,500
Related ancillary charges
• US$1,500
Special benefit for suite
N/A
Intensive care unit
Full refund
Adult companion accommodation during a hospitalization
Parent Accommodation
• Full refund
• Full refund
Prescribed medications while hospitalized
Full refund
Psychiatric treatments
Full refund for up to 30 days
Outpatient Benefits
Emergency room
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
Physician and specialist visits
Outpatient optional coverage, option I
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
• US$5,000 for outpatient charges such as medical practicioners and teleconsultations
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option II
• US$5,000 for outpatient charges such as medical practicioners, teleconsultations and maintenance of chronic conditions
• US$150 for vitamins and minerals
• Full refund for physiotherapy, up to 10 sessions and limited to 10 sessions, including traditional chinese medical practitioner or an ayurvedic medical practitioner
• US$500 subject to a maximum of 10 sessions for outpatient psychiatric illness
• US$500 for menopause hormone replacement therapy
Outpatient optional coverage, option III
• US$300 for emergency outpatient benefit
• US$3,500 for pre and post-operative outpatient Charges such as medical practitioner fees, teleconsultation and physiotherapy
Physician and specialist home visits
N/A
Prescribed medications
Included in the outpatient optional coverage options
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Optional coverage
• 10% coinsurance outpatient treatment
• 20% coinsurance outpatient treatment
Complementary therapy
Included in the outpatient optional coverage options
Nurse care at home
US$100, up to 30 days per medical condition
Preventive health checkup
N/A
Hearing aids
N/A
Alzheimer’s disease
Included in the outpatient optional coverage options
Autism
Included in the outpatient optional coverage options
Outpatient surgery
Full refund
Hormone replacement therapy to relieve the symptoms of menopause
Full refund
General Benefits
Surgeon and anesthesiologist fees
Full refund
Diagnostic study services
Full refund
Oncology: cancer tests, treatment (chemotherapy and/or radiotherapy) and medication
Full refund
Dialysis
Treatment of renal failure, including renal dialysis on an inpatient basis
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
• Full refund
Treatment of renal failure, including renal dialysis on an a day-patient or outpatient basis
• US$50,000
Surgery to reduce the risk of cancer or prophylactic surgery
Not specified
Prostheses and medical appliances implanted during surgery
N/A
Organ and tissue transplant
Full refund
Benefits for live donors
US$50,000 included in the organ transplant benefit
Durable medical equipment
Not specified
Allergy treatments
N/A
Physical therapy and rehabilitation
Rehabilitation
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
• Full refund for eligible inpatient treatment, up to 30 days per medical condition
Outpatient physiotherapy by a registered physiotherapist
• Full refund up to 5 sessions within 30 days after hospitalization
Included in the outpatient optional coverage options, replacing the benefits above
Specialized treatments
Included in the outpatient optional coverage options
Congenital conditions diagnosed before age 18
US$100,000
Congenital conditions diagnosed after age 18
US$100,000
HIV-AIDS
US$25,000 for inpatient and day-patient treatment, after a 36-month waiting period
Surgical treatment of symptomatic foot disorders
N/A
Psychology
Not specified
Mental health prescription medication
Included in the inpatient psychiatric treatment benefit, full refund for up to 30 days
Maternity Benefits
Maternity
N/A
Maternity and newborn complications
Full refund
Inclusion of the newborn
Not specified
Extraction and storage of umbilical cord blood stem cells
N/A
Fertility treatment
N/A
Neonatal Intensive Care Unit (NICU)
N/A
Pre-natal and post-natal care
Post-natal care
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
• US$100,000 newborn Cover
• Full refund for hospital accommodation for newborn
accompanying their mother
Medical Evacuation Benefits
Emergency transportation by ground ambulance
Full refund
Emergency transportation by air ambulance
Full refund
Insured’s and companion’s return ticket after an evacuation by air ambulance
Included in the evacuation and repatriation benefit, full refund
Repatriation of mortal remains
US$10,000
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
Evacuation and repatriation
• Full refund for transportation costs
• Full refund local travel costs to and from medical appointments
• Full refund for reasonable travel costs for a locally - accompanying person
• US$200 per day, up to US$7,500 per person,
per evacuation, for non-hospital accommodation costs
Extended evacuation and repatriation optional coverage, no details specified
Other Benefits
Injuries during the training or practice of hazardous hobbies and sports (non-professional)
N/A
Injuries during the training or practice of professional sports
N/A
Emergency dental coverage
Full refund if inpatient
Reconstructive surgery after an accident or illness
Full refund
Refractive eye surgery
N/A
Palliative care for terminal cases
Terminal Illness
• US$50,000 for inpatient and day-patient treatment
• US$50,000 for inpatient and day-patient treatment
Temporary coverage for accidents while application is being underwritten
Not specified
Free extended coverage for eligible dependents after policyholder’s death
Not specified
Free coverage for dependents
Not specified
Deductible elimination/reduction for no claims made
Not specified
Deductible elimination
Not specified
Second medical opinion
Not included, unless agreed by us in writing as part of the added value Interconsultation service
Prosthetic limbs
N/A
Routine and major dental treatment
Routine dental treatment
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
• US$250
Complex dental treatment, after a 9-month waiting period
• US$1,000 a co-insurance of 20% applies
Travel reimbursement for treatment in centers of excellence Latam network
N/A
War and terrorism
N/A
Term life insurance
N/A
Declared pre-existing conditions
Covered when disclosed in the application, benefit will be previously evaluated
Catastrophic and chronic illnesses that survive the contracting of the service
Optional coverage
• US$5,000
• US$5,000
Catastrophic and unusual conditions
N/A
Medical emergency
Emergency non-elective treatment USA cover
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
• Full refund for physiotherapy by a registered physiotherapist
• US$25,000 for Illness, inpatient and day-patient care
• US$500 for outpatient treatment in an accident and emergency department in a hospital
Included in the outpatient optional coverage options
Illness or injury in private aircraft
N/A
Contraceptive treatments
N/A
Patient concierge services
N/A
Travel assistance
N/A
Hospital cash benefit
US$125
Optional additional benefits
Evacuation to country of choice, country of residence or home country
N/A
Non-emergency evacuation
N/A
Pre-existing conditions waiting period waiver
N/A