Overview
Now Health International has served over 125,000 members across 200+ territories since its founding in 2010. As a specialist in expatriate and international health insurance, Now Health International combines comprehensive global coverage with local expertise through offices in Hong Kong, Shanghai, Beijing, Singapore, Jakarta, Dubai, Malta, and the UK. Following their 2015 acquisition of Best Doctors Insurance, they’ve become one of the largest independent IPMI providers worldwide. Their plans feature direct billing agreements with over 1 million healthcare providers globally, enabling cashless treatment at premier hospitals internationally.
Now Health offers flexible coverage that adapts to diverse needs – from long-term expatriates and families to international students and digital nomads. Their two product lines (WorldCare and SimpleCare) provide options from essential hospital care to comprehensive worldwide coverage, with annual maximums from $1 million to $4.5 million and deductible options from $0 to $15,000.
Your guide to Now Health International
Brochures
Key benefits & coverage
Core medical coverage
Comprehensive inpatient and outpatient benefits including hospitalization (private room, ICU, surgery at 100% after deductible), emergency services, prescription drugs, and mental health support with no waiting period for cancer treatment. Pre-existing conditions are generally excluded, though company plans may offer coverage options. WorldCare plans include AIDS coverage after 3 years of continuous membership.
Additional protection
Medical evacuation and repatriation coverage up to full benefit limits, unlimited telemedicine consultations via digital platform, second medical opinion services, and annual wellness screenings. Optional benefits available for maternity (12-month waiting period), dental (9-month waiting period), and US elective treatment coverage. Compare plan options →
- SimpleCare CORE, 100, 250
- WorldCare Essential, Advance, Excel, Apex
Digital services
The MyIMG member portal and mobile app provide instant provider search with access to over 1 million medical facilities, online claim submission with 5-7 day processing, digital ID cards, appointment booking, and 24/7 multilingual support. SimpleCare is fully digital-first, enabling complete plan management online. Direct billing eliminates upfront payments at network providers. Signup for Now Health →
Plans & pricing
WorldCare – Designed for globally mobile expatriates requiring comprehensive annual coverage with four tiers from Essential (inpatient only) to Apex (including maternity). Worldwide coverage excluding USA standard, with optional US elective treatment.
SimpleCare – Digital-first, budget-conscious coverage for expatriates with three tiers (CORE, 100, 250). Regional or worldwide coverage excluding the USA. Ideal for younger professionals and those seeking affordable protection.
Member Assistance Programme – Available to SME members with enhanced WorldCare plans, providing confidential counseling and wellbeing support via TELUS Health (formerly LifeWorks).
Now Health offers age-banded pricing with family discounts (10% for 1-2 children, 15% for 3+ children), various deductible and co-insurance options, and group discounts starting from 3+ members. Get a quote →
Important information
Waiting Periods: Maternity coverage (12 months), routine and complex dental (9 months for WorldCare, varies by plan), AIDS coverage (3 years continuous membership). No waiting period for cancer treatment if not pre-existing. Full policy terms →
Service Standards: Claims processed within 5 working days for WorldCare, 7 days for SimpleCare. Pre-authorization responses within 48 hours, 24/7 customer service in multiple languages. Fast and accurate service recognized with industry awards.
Regulatory: Now Health International is rated A+ by AM Best. Regulated by insurance authorities in multiple jurisdictions including DFSA in Dubai, BMA for Best Doctors Insurance Limited, and Malta Financial Services Authority in Europe.
Additional Resources
Reviews
Customer reviews
⭐⭐⭐⭐⭐ 4.2/5 based on 756 reviews (Trustpilot)
You can read the reviews for Now Health International here →