Now Health Insurance in China

  • Contact Now Health

    • Now Health Insurance Department 24 hour helpline toll free in China: 400 077 7500
    • 24 hour helpline outside of Mainland China: +86 021 61560910
    • Email: ChinaService@now-health.com
    • Claim address:  Now Health International 1103–1105, 11/F, BM Tower, No. 218 Wusong Road, Hongkou District, Shanghai 200080, China 中国上海虹口区吴淞路218号宝矿国际大厦11楼1103-1105室，邮编 200080

  • Contact the emergency services

    • Call an ambulance: 120
    • Call the fire department: 119
    • Call the police: 110

  • Download useful information

    Now Health China Direct billing list

    Now Health International – How to use policy guide

    Now Health Insurance Claim form ENG&CN

    Below list is treatments that cannot be obtained under direct billing services under Now Health insurance plans in China.

    Now Health None Direct Billing Items

  • How to make a claim

    1. Once you receive medical treatment please ensure that hospital front desk gives you a chopped/stamped medical fapiao (can be e-fapiao), medical reports including diagnosis and list of prescribed medications
    2. If available you can submit your claim via the insurance company’s website or app from your smartphone
    3. Download a claims application form form the ‘Download Useful Documents’ section of this page and complete the form as best you can.
    4. Scan and send all documentation including the claim application form to ChinaService@now-health.com
    5. The insurance company will then confirm that all documentation is in order and will ask you to submit the original claim documents to the insurance company if needed. If it is a non-China claim scanned copies may suffice.
    6. Insurance company will email you the claim application result and will reimburse eligible claim amounts to you bank account.

  • Pre-authorization list

    Please apply for pre-authorization with Now Health insurance company through the service hotline 3 days prior to the acceptance of the following treatments:

    1. All in-patient admissions and/or treatment, all  day-patient treatment as well as all surgery related treatments
    2. In-patient/day-patient treatment related to pregnancy and/or maternity
    3. All pre-planned diagnostic procedures – PET (Positron Emission Tomography) scan
    4. Chemotherapy, radiotherapy, endoscopies (gastroscopy, colonoscopy, sigmoidoscopy)
    5. In-patient psychiatric treatment
    6. Evacuation and repatriation
    7. Physiotherapy for the Excel and Apex policy options after the first 10 sessions (referral letter from medical practitioner or specialist)
    8. Nursing care at home
    9. All AIDS and HIV treatments
    10. Any treatment in USA
    11. Medicines for more than three months duration
    12. Medicines cost exceeding USD 1,000

Now Health International China

Now Health in China partners with one of the leading property&casualty insurance providers Asia Pacific. With offices in Beijing and Shanghai they supply locals and expats with both mid and high end insurance solutions.

How can I purchase Now Health insurance in China?

Now Health insurance policies in China are divided into two cattegories: Simplecare and Worldcare. Each of them can cover you locally as well as overseas. Simplecare plans are being a lower end solutions. They also do not have maternity raider in case you are looking to give birth in China. Below is overall summary of each of the options.

Now Health Insurance China

Source: Now Health China

Pros and Cons of Now Health Insurance

  • excellent price for Simplecare series, well under market average for similar plans
  • all dental care is only available after 180 days waiting period
  • every single bill on dental will require certain % copayment from your side
  • one of the highest limits for maternity cover and complications on the market
  • terrible value-for-money if you plan to add wellness raider. You will basically need to pay RMB 3000 extra insurance premium for MRB 3100 wellness limit
  • high dental limits on Worldcare Excel and Apex plans
  • one of the highest therapy limits, without per visit limits
  • one of the few companies that can actually cover dietician consultations

Below video (requires VPN) to give you a better perspective of Now Health online tools and member portal.

FAQ

Can I carry my Now Health insurance once I relocate overseas?

Yes, all Now Health policies in China are portable to most of the countries should you relocate out of China. Some restrictions will apply on US and Germany, but overall it is possible to make such switch on renewal date. Learn more on health insurance portability in our article here.

Can I switch between Worldcare and Simplecare plans?

Yes, you can request switch on your insurance renewal date. This will be reviewed by their underwriting team. Generally speaking, dowgrading such as moving from Worldcare to Simplecare is not an issues. Upgrade in cover on the other hand might be tricky.

Can I switch between Worldcare and Simplecare plans?

Yes, you can request switch on your insurance renewal date. This will be reviewed by their underwriting team. Generally speaking, dowgrading such as moving from Worldcare to Simplecare is not an issues. Upgrade in cover on the other hand might be tricky.

Where is Now Health from?

Main office is located in Hong Kong which is their headquarters. However, one of their major service hubs is in Dubai for the overseas insurance policies.

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