Seguro Internacional | Full
SimpleCare Core
No deductible and Max. Coverage: 10.000 USD/Year
SimpleCare
Explained
individuals and families
SimpleCare
Explained
individuals and families
Explained
individuals and families
SimpleCare
Explained
individuals and families
SimpleCare Explained | individuals and families | 2
About US
Our promise to our customers is in our name: ‘Now’ is clear,
innovative and accessible. This means clear, relevant
information, easy-to-use online tools and fast service from
people who respect your time. Our products are designed to
be comprehensive and benefit rich.
Now Health International is a global business with its
headquarters in Hong Kong and regional service centres in
Hong Kong, Shanghai, Dubai, the United Kingdom, Singapore
and Jakarta. In July 2015, Now Health’s investor acquired
Best Doctors Insurance, a major medical insurance provider
with distribution throughout Latin America, the Caribbean
and Canada. The combination of the two businesses creates
4
Continents
125,000+
members
350
staff
11
offices
5,000+
distribution
partners
one of the largest providers of high-end international private
medical insurance globally, with 11 sales/service offices,
125,000+ members, 350 staff and 5,000+ distribution partners.
Our innovative service proposition provides you with peace
of mind that we will deliver a fast, accurate service when
you need it most. Our award winning digital tools such as our
smartphone app also make it easy for members to manage
their plan while on the move, creating an exceptional
customer experience.
Shanghai
Hong
Kong
Jakarta
Singapore
Dubai
Abu
DhabiUnited
Kingdom
Toronto
Bermuda
Miami
Ecuador
About US
Our promise to our customers is in our name: ‘Now’ is clear,
innovative and accessible. This means clear, relevant
information, easy-to-use online tools and fast service from
people who respect your time. Our products are designed to
be comprehensive and benefit rich.
Now Health International is a global business with its
headquarters in Hong Kong and regional service centres in
Hong Kong, Shanghai, Dubai, the United Kingdom, Singapore
and Jakarta. In July 2015, Now Health’s investor acquired
Best Doctors Insurance, a major medical insurance provider
with distribution throughout Latin America, the Caribbean
and Canada. The combination of the two businesses creates
4
Continents
125,000+
members
350
staff
11
offices
5,000+
distribution
partners
one of the largest providers of high-end international private
medical insurance globally, with 11 sales/service offices,
125,000+ members, 350 staff and 5,000+ distribution partners.
Our innovative service proposition provides you with peace
of mind that we will deliver a fast, accurate service when
you need it most. Our award winning digital tools such as our
smartphone app also make it easy for members to manage
their plan while on the move, creating an exceptional
customer experience.
Shanghai
Hong
Kong
Jakarta
Singapore
Dubai
Abu
DhabiUnited
Kingdom
Toronto
Bermuda
Miami
Ecuador
SimpleCare Explained | individuals and families | 3
Why Choose Us
With us, it’s easy to get immediate access to top-quality healthcare anywhere in the world.
We make it simple to choose the right cover and access the best medical care for you
and your family.
See what our customers have to say!
More important than awards, at Now Health International we put the customer first,
which is why in our most recent Customer Satisfaction survey...
We are an award winning health insurance provider. From our products to our innovative
service offer, we are continually working to deliver excellence for our customers.
91%
Transparent:
Clear, relevant information, so
you know exactly what is and
isn’t covered
Flexible:
Flexible annual deductible and additional
options to help tailor your plan to your
needs and budget
Service Excellence:
Great service from people who
respect your time and understand
what matters to you
Fast:
Straightforward processes and fast
turnaround times, from joining to
claiming
Innovative:
Innovative digital tools so it’s easy
to find a doctor and submit claims,
anywhere in the world
201220132014201520162017
of members rated their overall experience
as excellent, very good or good
Why Choose Us
With us, it’s easy to get immediate access to top-quality healthcare anywhere in the world.
We make it simple to choose the right cover and access the best medical care for you
and your family.
See what our customers have to say!
More important than awards, at Now Health International we put the customer first,
which is why in our most recent Customer Satisfaction survey...
We are an award winning health insurance provider. From our products to our innovative
service offer, we are continually working to deliver excellence for our customers.
91%
Transparent:
Clear, relevant information, so
you know exactly what is and
isn’t covered
Flexible:
Flexible annual deductible and additional
options to help tailor your plan to your
needs and budget
Service Excellence:
Great service from people who
respect your time and understand
what matters to you
Fast:
Straightforward processes and fast
turnaround times, from joining to
claiming
Innovative:
Innovative digital tools so it’s easy
to find a doctor and submit claims,
anywhere in the world
201220132014201520162017
of members rated their overall experience
as excellent, very good or good
SimpleCare CORE SimpleCare 100 SimpleCare 250
Ideal for someone who
wants protection for serious
medical conditions and
emergencies
Suitable for those that want
cover for major health events,
as well basic cover for day to
day medical expenses
Designed for those looking
for more extensive but
affordable cover, with a
higher aggregate benefit
limit for day to day
medical expenses
SimpleCare CORE SimpleCare 100 SimpleCare 250
Annual maximum up to
USD 1,000,000/
EUR 800,000/
GBP 625,000
Annual maximum up to
USD 1,500,000/
EUR 1,200,000/
GBP 937,500
Annual maximum up to
USD 1,500,000/
EUR 1,200,000/
GBP 937,500
Hospital & Surgery Full refund Full refund Full refund
Day-Patient/
Out-Patient Surgery Full refund Full refund Full refund
Cancer Full refund Full refund Full refund
Organ Transplant Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 150,000/
EUR 120,000/GBP 93,750
Up to USD 150,000/
EUR 120,000/GBP 93,750
Evacuation and
Repatriation
Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 100,000/
EUR 80,000/GBP 62,500
Out-Patient Not Covered Up to USD 1,000/
EUR 800/GBP 625
Up to USD 2,500/
EUR 2,000/GBP 1,550
Dental Not Covered Not Covered 80% up to USD 300/
EUR 240/GBP 185
In/Day/Out-Patient
Deductible
USD 500/EUR 400/
GBP 310 default
USD 500/EUR 400/
GBP 310 default
USD 500/EUR 400/
GBP 310 default
+ + +
Out-Patient
USD 1,000/EUR 800/
GBP 625
In-Patient In-Patient DentalIn-Patient Out-Patient
USD 2,500/EUR 2,000/
GBP 1,550
SimpleCare Explained | individuals and families | 4
SimpleCare: At a glance
SimpleCare is an affordable plan that is designed to provide vital health protection for all
major health events, ensuring you can access quality healthcare when you need it most.
Ideal for someone who
wants protection for serious
medical conditions and
emergencies
Suitable for those that want
cover for major health events,
as well basic cover for day to
day medical expenses
Designed for those looking
for more extensive but
affordable cover, with a
higher aggregate benefit
limit for day to day
medical expenses
SimpleCare CORE SimpleCare 100 SimpleCare 250
Annual maximum up to
USD 1,000,000/
EUR 800,000/
GBP 625,000
Annual maximum up to
USD 1,500,000/
EUR 1,200,000/
GBP 937,500
Annual maximum up to
USD 1,500,000/
EUR 1,200,000/
GBP 937,500
Hospital & Surgery Full refund Full refund Full refund
Day-Patient/
Out-Patient Surgery Full refund Full refund Full refund
Cancer Full refund Full refund Full refund
Organ Transplant Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 150,000/
EUR 120,000/GBP 93,750
Up to USD 150,000/
EUR 120,000/GBP 93,750
Evacuation and
Repatriation
Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 100,000/
EUR 80,000/GBP 62,500
Up to USD 100,000/
EUR 80,000/GBP 62,500
Out-Patient Not Covered Up to USD 1,000/
EUR 800/GBP 625
Up to USD 2,500/
EUR 2,000/GBP 1,550
Dental Not Covered Not Covered 80% up to USD 300/
EUR 240/GBP 185
In/Day/Out-Patient
Deductible
USD 500/EUR 400/
GBP 310 default
USD 500/EUR 400/
GBP 310 default
USD 500/EUR 400/
GBP 310 default
+ + +
Out-Patient
USD 1,000/EUR 800/
GBP 625
In-Patient In-Patient DentalIn-Patient Out-Patient
USD 2,500/EUR 2,000/
GBP 1,550
SimpleCare Explained | individuals and families | 4
SimpleCare: At a glance
SimpleCare is an affordable plan that is designed to provide vital health protection for all
major health events, ensuring you can access quality healthcare when you need it most.
1 Select your level
of cover
SimpleCare CORE SimpleCare 100 SimpleCare 250
2 Select your
geographical
area of cover
Residents of Europe
Default
Area of Cover: Europe
Network: SimpleCare Europe
Optional
Area of Cover:
Worldwide Excluding USA
Network: SimpleCare
Comprehensive
Residents of South East Asia
(excluding Indonesia and
Singapore)
Default
Area of Cover: South East Asia
(excluding Singapore)
Network: SimpleCare
South East Asia
Optional
Area of Cover:
Worldwide Excluding U.S.A.
Network: SimpleCare
Comprehensive
Residents: Rest of the World
Default
Area of Cover: Worldwide Excluding USA
Network: SimpleCare Comprehensive
3 Select your annual
in/day/out-patient
deductible
4
Select any ONE
out-patient option
• For SimpleCare 100 &
SimpleCare 250
• For deductibles USD 500/EUR 400/
GBP 310 and under
Out-Patient
USD 1,000/
EUR 800/
GBP 625
Out-Patient
USD 2,500/
EUR 2,000/
GBP 1,550
DentalIn-PatientIn-Patient In-Patient
USD
Nil
USD 150/
EUR 120/
GBP 95
USD 250/
EUR 200/
GBP 155
USD 500/
EUR 400/
GBP 310
(default)
USD 1,000/
EUR 800/
GBP 625
USD 2,500/
EUR 2,000/
GBP 1,550
USD 5,000/
EUR 4,000/
GBP 3,125
USD 10,000/
EUR 8,000/
GBP 6,250
USD 15,000/
EUR 12,000/
GBP 9,375
USD 25/EUR 20/GBP 15
out-patient per visit excess 20% out-patient co-insurance
Residents of Africa
Default
Area of Cover: Africa,
Indian sub-continent,
Jordan, Lebanon and
the Philippines
Network: SimpleCare
Africa
Optional
Area of Cover:
Africa, Europe,
Indian sub-continent,
Jordan, Lebanon and
the Philippines
Network: SimpleCare
Africa and Europe
Optional
Area of Cover:
Worldwide Excluding
U.S.A.
Network: SimpleCare
Comprehensive
SimpleCare Explained | individuals and families | 5
How to build your plan
Here’s how you can build your own SimpleCare plan in four easy steps.
of cover
SimpleCare CORE SimpleCare 100 SimpleCare 250
2 Select your
geographical
area of cover
Residents of Europe
Default
Area of Cover: Europe
Network: SimpleCare Europe
Optional
Area of Cover:
Worldwide Excluding USA
Network: SimpleCare
Comprehensive
Residents of South East Asia
(excluding Indonesia and
Singapore)
Default
Area of Cover: South East Asia
(excluding Singapore)
Network: SimpleCare
South East Asia
Optional
Area of Cover:
Worldwide Excluding U.S.A.
Network: SimpleCare
Comprehensive
Residents: Rest of the World
Default
Area of Cover: Worldwide Excluding USA
Network: SimpleCare Comprehensive
3 Select your annual
in/day/out-patient
deductible
4
Select any ONE
out-patient option
• For SimpleCare 100 &
SimpleCare 250
• For deductibles USD 500/EUR 400/
GBP 310 and under
Out-Patient
USD 1,000/
EUR 800/
GBP 625
Out-Patient
USD 2,500/
EUR 2,000/
GBP 1,550
DentalIn-PatientIn-Patient In-Patient
USD
Nil
USD 150/
EUR 120/
GBP 95
USD 250/
EUR 200/
GBP 155
USD 500/
EUR 400/
GBP 310
(default)
USD 1,000/
EUR 800/
GBP 625
USD 2,500/
EUR 2,000/
GBP 1,550
USD 5,000/
EUR 4,000/
GBP 3,125
USD 10,000/
EUR 8,000/
GBP 6,250
USD 15,000/
EUR 12,000/
GBP 9,375
USD 25/EUR 20/GBP 15
out-patient per visit excess 20% out-patient co-insurance
Residents of Africa
Default
Area of Cover: Africa,
Indian sub-continent,
Jordan, Lebanon and
the Philippines
Network: SimpleCare
Africa
Optional
Area of Cover:
Africa, Europe,
Indian sub-continent,
Jordan, Lebanon and
the Philippines
Network: SimpleCare
Africa and Europe
Optional
Area of Cover:
Worldwide Excluding
U.S.A.
Network: SimpleCare
Comprehensive
SimpleCare Explained | individuals and families | 5
How to build your plan
Here’s how you can build your own SimpleCare plan in four easy steps.
Meet Bob
Bob is an expat on a local employment contract, so he isn’t entitled to the benefits associated
with an expat package. However, his company are willing to give him a subsidy so he can
purchase health insurance. Bob is looking for:
Protection for accidents, hospitalisations and serious medical conditions
Basic cover for minor day to day medical expenses, such as GP visits
Health cover for his country of residence, as well as when he travels back to his home country
to visit family
Why is this a good option:
• Full cover for hospital and surgery charges
• Full cover for cancer treatment
• Up to USD 1,000/EUR 800/GBP 625
per year to access out-patient care,
drugs and dressings, physiotherapy and
complementary medicine
• Access to our award-winning service and
digital tools
He should consider:
• SimpleCare 100, which covers Bob for all
major health events, as well as up to
USD 1,000/EUR 800/GBP 625 worth of
out-patient treatment
• Our Worldwide cover (excluding USA)
option, so Bob is covered when he travels
home to visit family
• A low annual in/day/out-patient deductible
such as USD 250/EUR 200/GBP 155, so he
only has a small amount to pay once a year
to access his plan
Meet Sarah
Sarah has recently moved abroad to study. It’s her first time living away from home so
her parents are paying for the cover. They need a cost-conscious solution while providing
reassurance that she has access to top quality healthcare. She is looking for:
Protection for accidents, hospitalisations and serious medical conditions
Medical evacuation and repatriation to her home country
Affordable cover as she is on a tight budget
Why is this a good option:
• Full cover for hospital and surgery charges
• Full cover for cancer treatment
• Evacuation and repatriation cover up to
USD 100,000/EUR 80,000/GBP 62,500
• Access to our award-winning service and
digital tools
She should consider:
• SimpleCare CORE, which covers Sarah
for all her major health needs
• A high annual in/day/out-patient
deductible such as USD 5,000/EUR 4,000/
GBP 3,125 which will reduce her premium
SimpleCare Explained | individuals and families | 6
Who should buy this plan?
Bob is an expat on a local employment contract, so he isn’t entitled to the benefits associated
with an expat package. However, his company are willing to give him a subsidy so he can
purchase health insurance. Bob is looking for:
Protection for accidents, hospitalisations and serious medical conditions
Basic cover for minor day to day medical expenses, such as GP visits
Health cover for his country of residence, as well as when he travels back to his home country
to visit family
Why is this a good option:
• Full cover for hospital and surgery charges
• Full cover for cancer treatment
• Up to USD 1,000/EUR 800/GBP 625
per year to access out-patient care,
drugs and dressings, physiotherapy and
complementary medicine
• Access to our award-winning service and
digital tools
He should consider:
• SimpleCare 100, which covers Bob for all
major health events, as well as up to
USD 1,000/EUR 800/GBP 625 worth of
out-patient treatment
• Our Worldwide cover (excluding USA)
option, so Bob is covered when he travels
home to visit family
• A low annual in/day/out-patient deductible
such as USD 250/EUR 200/GBP 155, so he
only has a small amount to pay once a year
to access his plan
Meet Sarah
Sarah has recently moved abroad to study. It’s her first time living away from home so
her parents are paying for the cover. They need a cost-conscious solution while providing
reassurance that she has access to top quality healthcare. She is looking for:
Protection for accidents, hospitalisations and serious medical conditions
Medical evacuation and repatriation to her home country
Affordable cover as she is on a tight budget
Why is this a good option:
• Full cover for hospital and surgery charges
• Full cover for cancer treatment
• Evacuation and repatriation cover up to
USD 100,000/EUR 80,000/GBP 62,500
• Access to our award-winning service and
digital tools
She should consider:
• SimpleCare CORE, which covers Sarah
for all her major health needs
• A high annual in/day/out-patient
deductible such as USD 5,000/EUR 4,000/
GBP 3,125 which will reduce her premium
SimpleCare Explained | individuals and families | 6
Who should buy this plan?
Meet the Perez Family
They are local nationals who are concerned about the quality of healthcare provision
available to them in their home country. They are looking for:
A plan that ensures they can access the quality providers both locally and abroad
A reasonable level of cover for both serious medical conditions and the costs of day to day
medical treatment, including dental
Affordable cover for their whole family
Why is this a good option:
• Full cover for hospital, surgery and cancer
treatment
• Up to USD 2,500/EUR 2,000/GBP 1,550
per year per member to access out-patient
care, drugs and dressings, physiotherapy
and complementary medicine
• 80% cover up to USD 300/EUR 240/
GBP 185 per year per member for routine
and complex dental treatment
• Access to our award-winning service and
digital tools
They should consider:
• SimpleCare 250, which covers the family for
all their major health needs, as well as up to
USD 2,500/EUR 2,000/GBP 1,550 worth of
out-patient treatment including dental
• A nil annual in/day/out-patient deductible,
so they can access their plan with no
up front cost to pay
• They could also choose one of our
risk-management tools for out-patient
treatment, such as a 20% co-insurance,
to help them keep their cover affordable
SimpleCare Explained | individuals and families | 7
Who should buy this plan?
They are local nationals who are concerned about the quality of healthcare provision
available to them in their home country. They are looking for:
A plan that ensures they can access the quality providers both locally and abroad
A reasonable level of cover for both serious medical conditions and the costs of day to day
medical treatment, including dental
Affordable cover for their whole family
Why is this a good option:
• Full cover for hospital, surgery and cancer
treatment
• Up to USD 2,500/EUR 2,000/GBP 1,550
per year per member to access out-patient
care, drugs and dressings, physiotherapy
and complementary medicine
• 80% cover up to USD 300/EUR 240/
GBP 185 per year per member for routine
and complex dental treatment
• Access to our award-winning service and
digital tools
They should consider:
• SimpleCare 250, which covers the family for
all their major health needs, as well as up to
USD 2,500/EUR 2,000/GBP 1,550 worth of
out-patient treatment including dental
• A nil annual in/day/out-patient deductible,
so they can access their plan with no
up front cost to pay
• They could also choose one of our
risk-management tools for out-patient
treatment, such as a 20% co-insurance,
to help them keep their cover affordable
SimpleCare Explained | individuals and families | 7
Who should buy this plan?