Home > Now Health International - Worldcare Essential

Now Health International - Worldcare Essential

WorldCare covers reasonable and customary charges for medically necessary treatment of disease, illness or injury. This is a summary of the WorldCare benefit schedule, which briefly outlines the cover available under each plan, per period of cover. For the full schedule, see the WorldCare Members’

Benefits

Key Facts - In-patient & Day Case Charges
Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings
	i) Hospital charges for in-patient and day-patient treatment: Full refund ii) Related ancillary charges up to: USD 1,500 : EUR 1,200 : GBP 930 per medical condition
Surgeon / Consultant / Specialist & Anaesthetists fees
	Full refund
Physicians fees & diagnostic tests
	Full refund
Cancer Treatment Costs - Chemotherapy / Radiotherapy
	Full refund
Organ transplant
	i) Treatment: Full refund ii) Donor medical costs: Up to USD 50,000 : EUR 40,000 : GBP 31,250 Renal Failure and Renal Dialysis: Up to six weeks full refund for in-patient pre and post-operative care
Outside area of cover limit for USA / Canada
	Optional cover: Up to USD 1.5m : EUR 1.2m : GBP 937,500
Prosthetic devices
	Not covered
Psychiatric treatment
	Full refund for up to 30 days
Key Facts - Out-patient Charges
Complementary medicine
	Not covered
Diagnostic tests (excluding scans)
	i) Medical practitioner fees: Pre and post-hospitalisation consultation and diagnosis up to maximum USD 2,000 : EUR 1,600 : GBP 1,250 ii) Physiotherapy: Not covered
GP referred consultations
	i) Medical practitioner fees: Pre and post-hospitalisation consultation and diagnosis up to maximum USD 2,000 : EUR 1,600 : GBP 1,250 ii) Physiotherapy: Not covered
Physiotherapy consultant referred
	Not covered
Physiotherapy GP referred
	Not covered
Psychiatric cover
	Not covered
Radiotherapy / Chemotherapy
	Full refund
Scans - MRI / CT / PET
	Full refund for in-patient pre and post- operative scans
Surgical Procedures
	Full refund
Vaccinations administered by a medical practitioner
	Not covered
Key Facts - Additional Benefits
Cash benefit if the treatment is received completely free of charge
	Up to 30 nights, USD 125 : EUR 100 : GBP 75 per night
Nursing at home
	Not covered
Parental accommodation
	Full cover for the cost of one parent staying in hospital overnight with an insured child
Private ambulance
	Full refund
Additional Benefits
24 Hour emergency helpline
	24/7 helpline provided
Accompanying relative travel & accomodation
	Evacuation i) Transportation costs: Full refund ii) Reasonable local travel costs to and from medical appointments: Full refund iii) Reasonable travel costs for a locallyaccompanying person: Full refund iv) Non-hospital accommodation costs: Up to USD 200 : EUR 160 : GBP 125 per day, up to USD 7,500 : EUR 6,000 : GBP 4,600 per person, per evacuation Repatriation to country of residence following treatment : Full refund
AIDS / HIV treatment
	As result of proven occupational accident or blood transfusion. Cover only available after three years of continuous membership: In-patient and day-patient treatment only up to USD 25,000 : EUR 20,000 : GBP 15,625
Alcohol & drug abuse
	Not covered
Annual maximum limit
	USD 3m : EUR 2.4m : GBP 1.9m
Children covered
	Up to the age of 18, unless the child is in full time education and then we can cover up to the age of 28
Chinese medicine
	Not covered
Chiropractors & Osteopaths
	Not covered
Chronic conditions & palliative care
	Maintenance of Chronic Medical Conditions : Not covered Terminal Illness – Palliative and Hospice Care: In-patient and day-patient treatment up to USD 50,000 : EUR 40,000 : GBP 31,250 lifetime limit
Compassionate home visit
	Not covered
Cover for new born children
	Up to USD 100,000 : EUR 80,000 : GBP 62,500
Cremation / burial or repatriation of remains
	i) Transportation of body or ashes of insured person to country of residence or country of nationality: Full refund ii) Burial or cremation costs at the place of death: Up to USD 10,000 : EUR 8,000 : GBP 6,250
Dental treatment
	In-Patient Emergency Dental Treatment: Full refund i) Routine dental treatment: Not covered ii) Complex dental treatment: Not covered
Emergency medical evacuation & medical repatriation
	Evacuation i) Transportation costs: Full refund ii) Reasonable local travel costs to and from medical appointments: Full refund iii) Reasonable travel costs for a locallyaccompanying person: Full refund iv) Non-hospital accommodation costs: Up to USD 200 : EUR 160 : GBP 125 per day, up to USD 7,500 : EUR 6,000 : GBP 4,600 per person, per evacuation Repatriation to country of residence following treatment : Full refund
Extended care facility
	Not covered
Health Screening
	Not covered
Hormone replacement therapy
	Not covered
Infertility investigations
	Not covered
Maternity cash benefit
	Not covered
Overseas cover
	Not covered
Personal & total disability benefit
	Not covered
Policy excess
	Standard Excess: Nil Optional Excess: 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
Pre-existing conditions
	Not covered
Pregnancy complications
	Full refund
Presciption drugs, dressings and medicines
	Pre-operative consultation and Diagnostic Procedure within 15 days from admission and post hospitalisation. Up to max USD 2,000 : EUR 1,600 : GBP 1,250 or 30 days
Rehabilitation
	Full refund for eligible in-patient treatment only up to 30 days per medical condition
Routine maternity cover
	Not covered
Sight / vision benefit
	Not covered
Stabilisation of acute chronic episode
	Full refund

Key Facts - In-patient & Day Case Charges

Hospital accommodation charges including theatre fees, nursing costs, prosthesis, in-patient drugs & dressings

i) Hospital charges for in-patient and day-patient treatment: Full refund
ii) Related ancillary charges up to: USD 1,500 : EUR 1,200 : GBP 930 per medical condition

Surgeon / Consultant / Specialist & Anaesthetists fees

Full refund

Physicians fees & diagnostic tests

Full refund

Cancer Treatment Costs - Chemotherapy / Radiotherapy

Full refund

Organ transplant

i) Treatment: Full refund
ii) Donor medical costs: Up to USD 50,000 : EUR 40,000 : GBP 31,250

Renal Failure and Renal Dialysis: Up to six weeks full refund for in-patient pre and post-operative care

Outside area of cover limit for USA / Canada

Optional cover:
Up to USD 1.5m : EUR 1.2m : GBP 937,500

Prosthetic devices

Not covered

Psychiatric treatment

Full refund for up to 30 days

Key Facts - Out-patient Charges

Complementary medicine

Not covered

Diagnostic tests (excluding scans)

i) Medical practitioner fees: Pre and post-hospitalisation consultation and diagnosis up to maximum USD 2,000 : EUR 1,600 : GBP 1,250
ii) Physiotherapy: Not covered

GP referred consultations

i) Medical practitioner fees: Pre and post-hospitalisation consultation and diagnosis up to maximum USD 2,000 : EUR 1,600 : GBP 1,250
ii) Physiotherapy: Not covered

Physiotherapy consultant referred

Not covered

Physiotherapy GP referred

Not covered

Psychiatric cover

Not covered

Radiotherapy / Chemotherapy

Full refund

Scans - MRI / CT / PET

Full refund for in-patient pre and post- operative scans

Surgical Procedures

Full refund

Vaccinations administered by a medical practitioner

Not covered

Key Facts - Additional Benefits

Cash benefit if the treatment is received completely free of charge

Up to 30 nights, USD 125 : EUR 100 : GBP 75 per night

Nursing at home

Not covered

Parental accommodation

Full cover for the cost of one parent staying in hospital overnight with an insured child

Private ambulance

Full refund

Additional Benefits

24 Hour emergency helpline

24/7 helpline provided

Accompanying relative travel & accomodation

Evacuation
i) Transportation costs: Full refund
ii) Reasonable local travel costs to and from medical appointments: Full refund
iii) Reasonable travel costs for a locallyaccompanying person: Full refund
iv) Non-hospital accommodation costs: Up to USD 200 : EUR 160 : GBP 125 per day, up to USD 7,500 : EUR 6,000 : GBP 4,600 per person, per evacuation
Repatriation to country of residence following treatment : Full refund

AIDS / HIV treatment

As result of proven occupational accident or blood transfusion. Cover only available after three years of continuous membership: In-patient and day-patient treatment only up to USD 25,000 : EUR 20,000 : GBP 15,625

Alcohol & drug abuse

Not covered

Annual maximum limit

USD 3m : EUR 2.4m : GBP 1.9m

Children covered

Up to the age of 18, unless the child is in full time education and then we can cover up to the age of 28

Chinese medicine

Not covered

Chiropractors & Osteopaths

Not covered

Chronic conditions & palliative care

Maintenance of Chronic Medical Conditions : Not covered
Terminal Illness – Palliative and Hospice Care: In-patient and day-patient treatment up to USD 50,000 : EUR 40,000 : GBP 31,250 lifetime limit

Compassionate home visit

Not covered

Cover for new born children

Up to USD 100,000 : EUR 80,000 : GBP 62,500

Cremation / burial or repatriation of remains

i) Transportation of body or ashes of insured person to country of residence or country of nationality: Full refund
ii) Burial or cremation costs at the place of death: Up to USD 10,000 : EUR 8,000 : GBP 6,250

Dental treatment

In-Patient Emergency Dental Treatment: Full refund

i) Routine dental treatment: Not covered
ii) Complex dental treatment: Not covered

Emergency medical evacuation & medical repatriation

Extended care facility

Not covered

Health Screening

Not covered

Hormone replacement therapy

Not covered

Infertility investigations

Not covered

Maternity cash benefit

Not covered

Overseas cover

Not covered

Personal & total disability benefit

Not covered

Policy excess

Standard Excess: Nil
Optional Excess:
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

Pre-existing conditions

Not covered

Pregnancy complications

Full refund

Presciption drugs, dressings and medicines

Pre-operative consultation and Diagnostic Procedure within 15 days from admission and post hospitalisation. Up to max USD 2,000 : EUR 1,600 : GBP 1,250 or 30 days

Rehabilitation

Full refund for eligible in-patient treatment only up to 30 days per medical condition

Routine maternity cover

Not covered

Sight / vision benefit

Not covered

Stabilisation of acute chronic episode

Full refund


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