全球保 個人與家庭醫療保險 WorldCare Explained individuals and families
Why you need international health insurance You deserve the best for your health. This means reliable access to first class medical treatment, when you need it, at home and abroad. International health insurance gives you access to the most sought-after doctors and specialists and the most reputable hospitals and clinics worldwide, plus the confidence of knowing that your medical costs are covered. If your lifestyle involves regular foreign travel, or you want guaranteed access to the best healthcare in China and abroad, you need international health insurance. About the Asia-Pacific P&C and Now Health partnership Asia-Pacific P&C has partnered with Now Health International to bring top-end medical insurance to customers around the world. Financially strong, reliable and well-respected, Asia-Pacific P&C is one of the leading property and casualty insurance providers in China. Its products include property loss insurance, accident insurance and health insurance, which it supplies to individuals, families and businesses nationwide. Now Health International is an award-winning international health insurance provider, with offices in Shanghai, Beijing, Hong Kong, Jakarta, Singapore, Dubai and the UK. It offers premier international health insurance to customers worldwide.
Why choose Asia-Pacific P&C and Now Health? 1 20 2013 2014 Cover Excellence 2015 Health at Hand 24 Available to buy in more than 20 cities in China An award winning provider winner of the Ecommerce Award at the 2013 Asia Insurance Technology Awards, Best International Health Insurance Provider at the 2014 Cover Excellence Awards and Best Digital Insurance Firm and Best for International Health Insurance at the 2015 Insurance and Reinsurance Awards A worldwide network of high quality medical providers so you can access treatment anywhere in the world 24-hour emergency help and information through AXA Assistance and Health at Hand Full local operating team in Shanghai including Customer Services, Policy Admin, Claims and Clinical services to provide local knowledge and expert service Overseas offices in Hong Kong, Jakarta, Singapore, Dubai and the UK giving you access to a truly international service An innovative, state-of-the-art website which provides instant access to policy documents and claims tracking information Our promise to you Providing we have all the information we need: We assess eligible claims within five working days We make underwriting decisions within two working days We dispatch policy documents within five working days We place guarantees of payment with medical providers within two working days We respond to all enquiries within one working day Medical help and information when you need it 2430 Health at Hand 24 Health at Hand Health at Hand Emergency help AXA Assistance is our 24-hour emergency assistance provider. With over 30 years experience, they can give immediate help if you re sick or injured in an emergency. This includes arranging hospital treatment and facilitating evacuation or repatriation. Based in multiple locations around the world, they can also give local information on finding healthcare wherever you are. Health at Hand All Now Health members also have 24-hour access to medical information with our Health at Hand service. The Health at Hand team of medical professionals include nurses, pharmacists, counsellors and midwives all qualified to answer your questions and provide information on conditions and treatments any time of the day or night.
Introducing WorldCare WorldCare is a premier international health insurance plan insured by Asia-Pacific P&C and administered by Now Health International. WorldCare benefit levels are extremely high, including full refund for many conditions, and you are covered for treatment worldwide excluding the USA. Each WorldCare option is designed to give comprehensive care to suit different circumstances and the additional benefits offer ultimate flexibility. WorldCare highlights 01 2 800 Comprehensive overall maximum benefit limit up to RMB 28m per period of cover 02 Full refund for in-patient and day-patient treatment 03 Full refund for organ transplants, cancer, evacuation and repatriation 04 Comprehensive maternity and dental care options 05 945 000 Cover for congenital disorders up to RMB 945,000 06 472 000 Cover for renal failure and dialysis up to RMB 472,000 07 310 000 Cover for donor medical costs for organ transplants up to RMB 310,000 08 79 New members accepted up to age 79 09 No age limit for renewals 10 Flexible China-specific optional benefits to meet your personal needs
WorldCare Explained Individuals and families 2/3 WorldCare at a glance 8 A summary of each plan is shown below. Only eight additional options can be selected per policy. WorldCare Essential WorldCare Advance WorldCare Excel WorldCare Apex day-patient care day-patient care day-patient care day-patient care Out-patient care Out-patient care Out-patient care Out-patient care Routine & complex dental treatment Routine & complex dental treatment Routine & complex dental treatment Routine & complex dental treatment Routine maternity care Routine maternity care Routine maternity care Routine maternity care USA elective treatment USA elective treatment USA elective treatment USA elective treatment Greater China option Hospital room restriction PRC residents only Out-patient charges Co-insurance on out-patient treatment Out-patient direct billing (restricted network) Greater China option Co-insurance on out-patient treatment Out-patient direct billing (restricted network) Greater China option Co-insurance on out-patient treatment Out-patient direct billing (restricted network) Greater China option Hospital room restriction PRC residents only Hospital room restriction PRC residents only Hospital room restriction PRC residents only High cost provider co-insurance High cost provider co-insurance High cost provider co-insurance High cost provider restriction High cost provider restriction High cost provider restriction Out-patient restriction out-patient co-insurance out-patient co-insurance out-patient co-insurance Full refund
Benefit Essential Advance Excel Apex Annual Maximum Individual Policy Limit RMB 18 500 000 RMB 22 000 000 RMB 25 000 000 RMB 28 000 000 1. Hospital Charges, Medical Practitioner and Specialist Fees a) Charges for in-patient or day-patient treatment b) Related Ancillary charges a) Full refund b) 6,300 Up to RMB 6,300 a) Full refund b) 6,300 Up to RMB 6,300 a) Full refund b) 9,450 Up to RMB 9,450 a) Full refund b) 12,600 Up to RMB 12,600 2. Diagnostic Procedures Full refund for in-patient pre and post-operative scans Full refund when received as an in-patient, day-patient or out-patient Full refund when received as an in-patient, day-patient or out-patient Full refund when received as an in-patient, day-patient or out-patient 3. Emergency Ambulance Transportation 4. Parent Accommodation Full refund Full refund Full refund Full refund Full refund Full refund Full refund Full refund 5.New Born Baby Cover 630,000 Up to RMB 630,000 630,000 Up to RMB 630,000 780,000 Up to RMB 780,000 940,000 Up to RMB 940,000 6. Hospital Accommodation for New Born Accompanying their Mother 7.Reconstructive Surgery Full refund Full refund Full refund Full refund Full refund Full refund Full refund Full refund 8. In-Patient Emergency Dental Treatment Full refund Full refund Full refund Full refund 9. In-Patient Psychiatric Treatment 30 Full refund limited to 30 days 30 Full refund limited to 30 days 30 Full refund limited to 30 days 30 Full refund limited to 30 days 10. Terminal Illness Palliative and hospice care 11. 30 30 Emergency Non-Elective Treatment USA Cover For planned trips up to 30 days of duration 310,000 Eligible in-patient and day-patient treatment only up to RMB 310,000 lifetime limit Accident: Full refund for in-patient and day-patient treatment following accident 150,000 Illness: day-patient care up to RMB 150,000 310,000 Up to RMB 310,000 lifetime limit Accident: Full refund for in-patient and day-patient treatment following accident 150,000 Illness: day-patient care up to RMB 150,000 470,000 Up to RMB 470,000 lifetime limit Accident: Full refund for in-patient and day-patient treatment following accident 220,000 Illness: day-patient care up to RMB 220,000 630,000 Up to RMB 630,000 lifetime limit Accident: Full refund for in-patient and day-patient treatment following accident 310,000 Illness: day-patient care up to RMB 310,000 12. Hospital Cash Benefit 630 RMB 630 per night 945 RMB 945 per night 1,260 RMB 1,260 per night 1,575 RMB 1,575 per night 13. AIDS As a result of proven occupational accident or blood transfusion. Cover only available after three years of continuous membership. 150,000 day-patient treatment only up to RMB 150,000 150,000 Up to RMB 150,000 250,000 Up to RMB 250,000 310,000 Up to RMB 310,000 14. Organ Transplant a)treatment b) Donor medical costs a) Full refund b) 310,000 Up to RMB 310,000 a) Full refund b) 310,000 Up to RMB 310,000 a) Full refund b) 310,000 Up to RMB 310,000 a) Full refund b) 310,000 Up to RMB 310,000 15. Cancer Treatment Full refund Full refund Full refund Full refund 16. Pregnancy and Childbirth Medical Conditions Full refund Full refund Full refund Full refund Full refund Subject to limits
Benefit Essential Advance Excel Apex 17.Evacuation and Repatriation Evacuation a) Transportation costs b) Reasonable local travel costs to and from medical appointments c) Reasonable travel costs for a locally-accompanying person d) Non-hospital accommodation cost Repatriation Repatriation to country of residence following treatment a) Full refund b) Full refund c) Full refund d) 1,200 47,000 Up to RMB 1,200 per day. Up to RMB 47,000 per person, per evacuation Full refund a) Full refund b) Full refund c) Full refund d) 1,200 47,000 Up to RMB 1,200 per day. Up to RMB 47,000 per person, per evacuation Full refund a) Full refund b) Full refund c) Full refund d) 1,200 47,000 Up to RMB 1,200 per day. Up to RMB 47,000 per person, per evacuation Full refund a) Full refund b) Full refund c) Full refund d) 1,800 Up to RMB 1,800 per day. Up to RMB 63,000 per person, per evacuation Full refund 18. Mortal Remains a) Transportation of body or ashes of an insured person b) Burial or cremation costs at the place of death a) Full refund b) Up to RMB 63,000 a) Full refund b) Up to RMB 63,000 a) Full refund b) 94,000 Up to RMB 94,000 a) Full refund b) 126,000 Up to RMB 126,000 19. Day-Patient and Out-Patient Surgery 20. Out-Patient Charges a) Medical practitioner fees b) Physiotherapy Full refund Full refund Full refund Full refund a) 15 30 12,600 Pre-operative consultations and diagnostic procedures within 15 days from the admission and post hospitalisation up to a maximum of RMB12,600 or 30 days a) Full refund b) 10 Full refund up to 10 sessions a) Full refund b) 15 Full refund up to 15 sessions a) Full refund b) 20 Full refund up to 20 sessions b) 21. Out-Patient Psychiatric Illness 15,000 Up to RMB 15,000 31,000 Up to RMB 31,000 47,000 Up to RMB 47,000 22. Alternative Therapies 15 315 Up to RMB 315 per visit up to a maximum of 15 visits 15 630 Up to RMB 630 per visit up to a maximum of 15 visits 15 945 Up to RMB 945 per visit up to a maximum of 15 visits 23. Traditional Chinese Medicine and Ayurvedic Treatment 4,700 Up to RMB 4,700 7,800 Up to RMB 7,800 12,600 Up to RMB 12,600 24. Nursing Care at Home a) Care given by qualified nurse b) Emergency medical practitioner (GP) home visits. a) b) a) 45 Full refund up to 45 days b) a) 60 Full refund up to 60 days b) a) 120 Full refund up to 120 days b) 5 Up to five visits 25.Rehabilitation 30 Full refund for eligible in-patient treatment only up to 30 days 180 Full refund for up to 180 days Full refund Full refund 26.Congenital Disorders 630,000 Up to RMB 630,000 630,000 Up to RMB 630,000 787,000 Up to RMB 787,000 945,000 Up to RMB 945,000 27. Maintenance of Chronic Medical Conditions 94,000 Up to RMB 94,000 126,000 Up to RMB 126,000 220,000 Up to RMB 220,000 28. Renal Failure and Renal Dialysis 6 Up to six weeks full refund for in-patient pre and post- operative care Up to RMB 63,000 157,000 Up to RMB 157,000 472,000 Up to RMB 472,000 29. Dental Care a) Routine dental treatment b) Complex dental treatment 9 20% Costs incurred within nine months from the start date are excluded. A co-insurance of 20% applies. a) b) a) b) a) 6,300 Up to RMB 6,300 b) 12,600 Up to RMB 12,600 a) 9,400 Up to RMB 9,400 b) 18,900 Up to RMB 18,900 Full refund Subject to limits
WorldCare Explained Individuals and families 4/5/6 Benefit Essential Advance Excel Apex 30. Maternity 12 Waiting Period: Costs incurred within 12 months from the start date are excluded. 94 000 Up to RMB 94,000 Additional Options 31. USA Elective Treatment 9,450,000 Up to RMB 9,450,000 9,450,000 Up to RMB 9,450,000 9,450,000 Up to RMB 9,450,000 9,450,000 Up to RMB 9,450,000 32. 10% 1 10% Co-Insurance Out-Patient Treatment Option 1 33. 20 2 20% Co-Insurance Out-Patient Treatment Option 2 34. Out-Patient Direct Billing 2015 8 1 (Only available for Plans in-force prior to 1 August 2015 that had historically selected this option) 35. Out-Patient Direct Billing subject to a Restricted Network 36. Greater China option 150,000 Emergency non-elective illness limit up to RMB 150,000 37. Hospital Room Restriction - PRC Residents only 38. High Cost Provider Co-Insurance 15% 47,000 A 15% co-insurance limit of RMB 47,000 150,000 Emergency non-elective illness limit up to RMB 150,000 15% 47,000 A 15% co-insurance limit of RMB 47,000 20% 20% co-insurance and limit of RMB 63,000 220,000 Emergency non-elective illness limit up to RMB 220,000 15% 47,000 A 15% co-insurance limit of RMB 47,000 20% 20% co-insurance and limit of RMB 63,000 310,000 Emergency non-elective illness limit up to RMB 310,000 15% 47,000 A 15% co-insurance limit of RMB 47,000 20% 20% co-insurance and limit of RMB 63,000 39. High Cost Provider Restriction 40. Out -Patient Charges under the Essential Plan 20 This additional option replaces benefit 20 a) Medical practitioner fees b) Physiotherap a) 28,350 Up to RMB 28,350 b)10 Full Refund up to a maximum10 sessions 41. Out-Patient Restriction 31,000 Up to RMB 31,000 42. In-Patient and Out-Patient Co-Insurance 20% 20% co-insurance and limit of RMB 63,000 per medical condition Already covered Already covered Already covered 20% 20% co-insurance and limit of RMB 63,000 per medical condition 20% 20% co-insurance and limit of RMB 63,000 per medical condition Excess Options 43. Standard Excess Nil RMB 630 RMB 630 RMB 630 Excess RMB 6,300 Nil Nil Nil RMB 15,700 RMB 300 RMB 300 RMB 300 RMB 31,500 RMB 1,500 RMB 1,500 RMB 1,500 RMB 63,000 RMB 3,100 RMB 94,500 RMB 6,300 RMB 15,700 Full refund Subject to limits
Open to see full benefit schedule It s easy to manage your cover online 24 3 000 The Now Health International website is designed to make it simpler to manage your international health insurance, from accessing your policy documents to tracking your claim. Access your information from anywhere With Now Health, all your details are stored in your secure online portfolio (currently only available in English), which you can access 24 hours a day from anywhere in the world. You can view and download all your documents from here, including your certificate of insurance, policy wording, and any form you might need to manage your policy. Track your claims online If you ve had to pay for medical treatment up front and need to claim back your expenses, you can track the status of your claims online. As soon as we have received your claim, we will notify you by email or SMS if you have chosen this option. You can then track the status of your claim using your secure online portfolio. Don t forget, as long as your claim is under RMB 3,000 per medical condition, you can email us your claim form and a scanned receipt. We will settle eligible claims within five working days so the process is fast and efficient.
Exclusions Act of terrorism, war and illegal acts Administrative and shipping fee Alcohol and drug abuse Chemical exposure Cosmetic treatment Contamination Chronic conditions in respect of the Essential policy option Dental care unless this additional option has been chosen Developmental disorders Dietary supplements, vitamins or minerals and cosmetic products Eating disorders Excess or co-insurance Experimental treatment and drugs External prosthesis Eyes and ears Failure to follow medical advice Foetal surgery unless this additional option has been chosen Genetic testing Hazardous sports and pursuits HIV, AIDS or sexually transmitted disease except as stated in the benefit schedule HRT unless caused due to medical intervention Morbid obesity Nursing homes, convalescence homes, health hydros and nature clinics Pre-existing medical conditions Pregnancy or maternity unless this additional option has been chosen Professional sports Reproductive treatment and drugs Routine examinations, health screening unless this additional option has been chosen Second opinions Self-inflicted injuries or attempted suicide Sexual problems and gender reassignment Sleep disorders Travel/accommodation costs except those pre-authorised by the insurer Travelling against medical advice Treatment by a family member Treatment charges outside of our reasonable and customary range For a full description of the exclusions, please refer to the policy wording.
WorldCare Explained Individuals and families 7/8/9 Join WorldCare today It s quick and easy to join WorldCare. If you re looking for a simple approach to international health insurance, ask your intermediary for more information.
Intermediary details Now Health International China Asia-Pacific Property & Casualty Insurance Co., Ltd. c/o Now Health International (Shanghai) Limited Room 1103 1105, 11/F, BM Tower No. 218 Wusong Road Hongkou District, Shanghai 200080, China T +(86) 400 077 7500 / +86 21 6156 0910 F +(86) 400 077 7900 ChinaSales@now-health.com Asia Pacific Now Health International (Asia Pacific) Limited Suite B, 33/F, 169 Electric Road, North Point, Hong Kong T +852 2279 7310 F +852 2279 7330 AsiaPacService@now-health.com Indonesia Now Health International 17/F, Indonesia Stock Exchange, Tower II Jl. Jend. Sudirman Kav. 52 53 Jakarta 12190, Indonesia Toll-free 0800 1 889900/ Toll +62 21 2783 6910 F +62 21 515 7639 IndonesiaService@now-health.com Singapore Now Health International (Singapore) Pte. Ltd. c/o Tenet Sompo Insurance Pte. Ltd. 50 Raffles Place #05-01/06 Singapore Land Tower Singapore 048623 T +65 6880 2300 F +65 6220 6950 SingaporeService@now-health.com 29-30 518048 218 11 1103 1105 200080 Policies are issued by Asia-Pacific Property & Casualty Insurance Co., Ltd. Registered Office: 29-30F., Dutyfree Business Building, 1st Fuhua Road, Futian CBD, Shenzhen 518048, China. Policies are administered by Now Health International (Shanghai) Limited. Room 1103 1105, 11/F, BM Tower, No. 218 Wusong Road, Hongkou District, Shanghai 200080, China. WC CH 28001 02/2016 Europe Now Health International (Europe) Limited Suite G3/4, Building Three Watchmoor Park, Camberley, Surrey, GU15 3YL, United Kingdom T +44 (0) 1276 602110 F +44 (0) 1276 602130 EuropeService@now-health.com Rest of the World Now Health International Limited PO Box 482055, Dubai, UAE T +971 (0) 4450 1510 F +971 (0) 4450 1530 GlobalService@now-health.com www.now-health.cn