Now Health International Worldcare

Now Health International

The Product

Following feedback from brokers, Now Health International has introduced a number of small changes to its WorldCare international private medical insurance (iPMI) plans, for only a small increase in premiums, on average. The main changes are:

  • WorldCare Essential: The outpatient charges core benefit has changed from a period of cover limit to a per medical condition limit.
  • WorldCare Advance: The physiotherapy benefit under out-patient charges is now full refund up to 30 sessions, subject to pre-authorisation after every ten sessions (previously there was a ten sessions maximum limit). The alternative therapies benefit is now full refund up to 30 sessions, subject to pre-authorisation after every ten sessions (previously US$50 up to 15 visits).
  • WorldCare Excel: The physiotherapy benefit under out-patient charges is now full refund, subject to pre-authorisation after every ten sessions (previously 15 sessions). The alternative therapies benefit is now full refund, subject to pre-authorisation after every ten sessions (previously US$100/€80/£60 up to 15 visits).
  • WorldCare Apex: Maintenance of chronic conditions is now full refund (previously US$35,000/€28,000/£21,875) The physiotherapy benefit under out-patient charges is now full refund, subject to pre-authorisation after every ten sessions (previously 20 sessions). The alternative therapies benefit is now full refund, subject to pre-authorisation after every ten sessions (previously US$150/€120/£90 up to 15 visits).

In addition, two new optional benefits have been added:

  • Out-patient option for Essential plan: Available to both individuals and groups, £2,800 a year outpatient and up to ten sessions of physiotherapy cover can be added.
  • Well person benefit: Available for groups only, a second tier well person benefit has been added at a higher benefit limit of US$1,000/€800/£625 (US$600/€480/£375 optical) per period of cover.

Some changes to the members' handbook wording have been introduced (e.g. a new exclusion for external prostheses and limiting post-natal check-ups to six weeks after birth) and claims can now be made by email rather Some changes to the members' handbook wording have been introduced (e.g. a new exclusion for external prostheses and limiting post-natal check-ups to six weeks after birth) and claims can now be made by e-mail rather than having to fill in a formal claim form.

Pros

  • Benefit changes introduced.
  • And two new options added.
  • Low average price increases.

Cons

  • All the changes are relatively minor.
  • Premium increases of 0.5% (Essential and Advance) and 3% (Excel and Apex) have been quoted by Now Health, but these are averages, so some clients will pay more.
  • Relatively small provider (albeit plans are underwritten by AXA).

RATING:
8 out of 10

SELECT THIS FOR... Clients looking for iPMI cover.

The Company

Now Health International is a relatively new and innovative international health insurance provider, with its European headquarters in Camberley, Surrey. It also has offices in Hong Kong (covering the Asia Pacific region) and Dubai (rest of the world). Products are underwritten by AXA group companies.

Contact Details

Website: www.now-health.com

Telephone: See website for most appropriate contact numbers.

The Literature

See website.

What They Say

Alex Dalton, managing director, Europe said: “We believe that these benefit and service enhancements are significant in light of the relatively small premium increase. When many providers in the market are imposing large double-digit increases, we are confident that our proposition provides our intermediary partners with one of the most serious, scalable offerings available today.”

What We Say

Andy Couchman Andy Couchman

"Now Health has introduced average price increases rather below the market norm and has sweetened even that with a handful of small but still useful improvements and options. It doesn’t add up to anything revolutionary but will help make its plans more attractive overall.

"Overall, Now Health offers a good range of plans and options but be aware of the policy wording changes too."

Tony Levene: Lack of choice - the only aspect of private healthcare that is truly transparent

"The Competition Commission's market investigation is unlikely to change much for customers" Tony Levene