This page reproduces the insurer's own published table of benefits so you can read the insurer's exact wording beside the comparison you received.
Table of benefits as published by Now Health International
This is Now Health International's own published table of benefits, reproduced word for word in the insurer's own order and grouping. BrokerFish's comparison uses a standardised vocabulary so plans can be compared like for like; this page is the insurer's exact wording.
Source: Now Health International — SimpleCare Members' Handbook (individuals and families), 2026 — showing every published column.
From the insurer's published documents
| SimpleCare Benefit Schedule | |||
|---|---|---|---|
| Benefit | SimpleCare CORE | SimpleCare 100 | SimpleCare 250 |
| Hospital Charges, Medical Practitioner and Specialist Fees(i) Charges for In-Patient or Day-Patient Treatment made by a Hospital including charges for accommodation (ward/semi-private or private); Diagnostic Tests; operating theatre charges including surgeon and anaesthetist charges; and charges for nursing care by a Qualified Nurse; Drugs and Dressings prescribed by a Medical Practitioner or Specialist; and surgical appliances used by the Medical Practitioner during surgery. This includes pre and post-operative consultations while an In-Patient or Day-Patient and includes charges for intensive care.(ii) Durable Medical Equipment, Prosthetic and Orthotic Supplies (DMEPOS) when supplied within 6 months of In-Patient or Day-Patient Hospital Treatment for an Eligible Medical Condition, which is prescribed by Your treating Medical Practitioner. We will pay for the following items: -i. Purchase or rental of crutches, air boots and initial purchase or rental of a wheelchair (self-propelled)ii. Delivery systems for prescribed drugs and dressingsiii. Orthotic supplies such as insoles and orthotic supportsiv. External prosthetics required after surgery. These include braces and calipers, initial purchase and fitting of an artificial limb and artificial eyes. Excludes hearing aids. | (i) Full refund (ii) Up to USD 2,000/EUR 1,600/GBP 1,250 per Medical Condition | (i) Full refund (ii) Up to USD 2,000/EUR 1,600/GBP 1,250 per Medical Condition | (i) Full refund (ii) Up to USD 2,000/EUR 1,600/GBP 1,250 per Medical Condition |
| Diagnostic ProceduresMedically Necessary diagnostic magnetic resonance imaging (MRI), positron emission tomography (PET) and computerised tomography (CT) scans received as an In-Patient, Day-Patient or Out-Patient.SimpleCare CORE: Medically Necessary diagnostic magnetic resonance imaging (MRI), positron emission tomography (PET) and computerised tomography (CT) scans. | Pre-Authorisation for PET, MRI, CT Full refund for In-Patient pre and post-operative scans | Pre-Authorisation for PET, MRI, CT Full refund | Pre-Authorisation for PET, MRI, CT Full refund |
| Renal Failure and Renal Dialysis(i) Treatment of renal failure, including renal dialysis on an In-Patient basis.(ii) Treatment of renal failure, including renal dialysis on a Day-Patient or Out-Patient basis. | (i) In-Patient pre and post-operative care up to six weeks full refund per Period of Cover (ii) Up to USD 50,000/EUR 40,000/GBP 31,250 per Period of Cover | (i) Up to six weeks full refund per Period of Cover (ii) Up to USD 50,000/EUR 40,000/GBP 31,250 per Period of Cover | (i) Up to six weeks full refund per Period of Cover (ii) Up to USD 50,000/EUR 40,000/GBP 31,250 per Period of Cover |
| Organ TransplantTreatment for and in relation to a human organ transplant of kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung, in respect of the Insured Person as a recipient.In circumstances where an organ transplant is required as a result of a congenital disorder, cover will be provided under Benefit 7 - Congenital Disorder but excluded from Benefit 4 – Organ Transplant.We only pay for transplants carried out in internationally-accredited institutions by accredited surgeons and where the organ procurement is in accordance with WHO guidelines.Medical costs associated with the donor and the cost of the donor organ search are excluded from this Benefit. | Up to USD 100,000/EUR 80,000/GBP 62,500 per Period of Cover | Up to USD 150,000/EUR 120,000/GBP 93,750 per Period of Cover | Up to USD 150,000/EUR 120,000/GBP 93,750 per Period of Cover |
| Cancer TreatmentTreatment given for Cancer received as an In-Patient, Day-Patient or Out-Patient.Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis. | Full refund | Full refund | Full refund |
| New Born CoverIn-Patient Treatment of premature birth (i.e. prior to age 37 weeks gestation) or an Acute Condition being suffered by a New Born baby of an Insured Person which manifests itself within 30 days following birth. Provided that the New Born baby is added to the Plan within 30 days of birth and premium paid. Cover for multiple births will be covered up to the same limits shown.In circumstances where We require details of the New Born baby’s medical history before the baby is being added to the Plan, We reserve the right to apply particular restrictions to the cover We will offer. Please refer to Section 6.5 - Adding New Born of this Members Handbook for details. | Up to USD 25,000/EUR 20,000/GBP 15,625 per Period of Cover | Up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover | Up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover |
| Congenital DisorderIn-Patient Treatment for a Congenital Disorder. In circumstances where a Congenital Disorder manifests itself in a New Born baby within 30 days of birth, cover for such Medical Conditions will be provided under Benefit 6 - New Born Cover but excluded from Benefit 7 – Congenital Disorders. | Up to USD 25,000/EUR 20,000/GBP 15,625 per Period of Cover | Up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover | Up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover |
| Parent AccommodationThe cost of one parent staying in Hospital overnight with an Insured Person under 18 years old while the child is admitted as an In-Patient for Eligible Treatment. | Full refund | Full refund | Full refund |
| Hospital Accommodation for New Born Accompanying their MotherHospital Accommodation costs relating to a New Born baby (up to 16 weeks old) to accompany its mother (being an Insured Person) while she is receiving Eligible Treatment as an In-Patient in a Hospital.SimpleCare 100: Hospital Accommodation costs relating to a New Born baby (up to 16 weeks old)to accompany its mother (being an Insured Person) while she is receiving Eligible Treatment as an In-Patient in a Hospital. | Full refund | Full refund | Full refund |
| Reconstructive SurgeryReconstructive surgery required to restore natural function or appearance following an Accident or following a Surgical Procedure for an Eligible Medical Condition, which occurred after an Insured Person’s Entry Date or Start Date whichever is later. | Full refund | Full refund | Full refund |
| Day-Patient or Out-Patient SurgeryTreatment costs for a Surgical Procedure performed in a surgery, Hospital, day-care facility or Out-Patient department. | Full refund | Full refund | Full refund |
| In-Patient Emergency Dental TreatmentThis means Emergency restorative dental Treatment required to sound, natural teeth following an Accident which necessitates Your admission to Hospital for at least one night.The dental Treatment must be received within 10 days of the Accident. This Benefit covers all costs incurred for Treatment made necessary by an accidental injury caused by an extra- oral impact, when the following conditions apply:• If the Treatment involves replacing a crown, bridge facing, veneer or denture, We will pay only the reasonable and customary cost of a replacement of similar type or quality• If implants are clinically needed We will pay only the cost which would have been incurred if equivalent bridgework was undertaken instead• Damage to dentures providing they were being worn at the time of the injury | Full refund | Full refund | Full refund |
| RehabilitationWhen referred by a Specialist as an integral part of Treatment for a Medical Condition necessitating admission to a recognised Rehabilitation unit of a Hospital. Where the Insured Person was confined to a Hospital as an In-Patient for at least three consecutive days, and where a Specialist confirms in writing that Rehabilitation is required. Admission to a Rehabilitation unit must be made within 14 days of discharge from Hospital. Such Treatment should be under the direct supervision and control of a Specialist and would cover:(i) Use of special Treatment rooms(ii) Physical therapy fees(iii) Speech therapy fees(iv) Occupational therapy feesSimpleCare CORE: When referred by a Specialist as an integral part of Treatment for a Medical Condition necessitating admission to a recognised Rehabilitation unit of a Hospital. Where the Insured Person was confined to a Hospital as an In-Patient for at least three consecutive days, and where a Specialist confirms in writing that Rehabilitation is required. Admission to a Rehabilitation unit must be made within14 days of discharge from Hospital. Such Treatment should be under the direct supervision and control of a Specialist and would cover: | Full refund for Eligible In-Patient Treatment only up to 30 days per Medical Condition | Full refund up to 90 days per Medical Condition | Full refund up to 90 days per Medical Condition |
| Nursing Care at HomeCare given by Qualified Nurse in the Insured Person’s own home, which is immediately received subsequent to Treatment as an In-Patient or Day-Patient on the recommendation of a Medical Practitioner or Specialist. | Not covered | Full refund up to 30 days per Medical Condition | Full refund up to 30 days per Medical Condition |
| Emergency Ambulance TransportationEmergency road ambulance transport costs to or between Hospitals, or when considered Medically Necessary by a Medical Practitioner or Specialist. | Full refund | Full refund | Full refund |
| Evacuation and RepatriationEvacuation Arrangements will be made to move an Insured Person who has a critical, life-threatening Eligible Medical Condition to the nearest medical facility for the purpose of admission to Hospital as an In-Patient or Day-Patient.Reasonable expenses for:(i) Transportation costs of an Insured Person in the event of Emergency Treatment and Medically Necessary transport and care not being readily available at the place of the incident. This includes an economy class airfare ticket for a locally-accompanying person who has travelled as an escort.(ii) Reasonable local travel costs to and from medical appointments when Treatment is being received as a Day-Patient.(iii) Reasonable travel costs for a locally-accompanying person to travel to and from the Hospital to visit the Insured Person following admission as an In-Patient.(iv) Reasonable costs for non-Hospital Accommodation only for immediate pre and post- Hospital admission periods provided that the Insured Person is under the care of a Specialist.Costs of Evacuation do not extend to include any air-sea rescue or mountain rescue costs that are not incurred at recognised ski resorts or similar winter sports resorts.Our medical advisers will decide the most appropriate method of transportation for the Evacuation and this Benefit will not cover travel if it is against the advice of Our medical advisers or where the medical facility does not have appropriate facilities to treat the Eligible Medical Condition.Repatriation Following an Evacuation covered by Us, an economy class airfare ticket to return the Insured Person and a locally-accompanying person who has travelled as an escort to the site of Treatment or the Insured Person’s principal Country of Nationality or principal Country of Residence, as long as the journey is made within one month of completion of Treatment.We do not cover standalone repatriation.You are Eligible for Medically Necessary Repatriation costs only if there was an initial Evacuation that has taken place.Deductible would apply to Medically Necessary Treatment required under this Benefit. | Combined limit up to USD 100,000/EUR 80,000/GBP 62,500 (i) Full refund (ii) Full refund (iii) Full refund (iv) 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 Full refund | Combined limit up to USD 100,000/EUR 80,000/GBP 62,500 (i) Full refund (ii) Full refund (iii) Full refund (iv) 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 Full refund | Combined limit up to USD 100,000/EUR 80,000/GBP 62,500 (i) Full refund (ii) Full refund (iii) Full refund (iv) 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 Full refund |
| Mortal RemainsIn the event of death from an Eligible Medical Condition, Reasonable and Customary Charges for:(i) Costs of transportation of body or ashes of an Insured Person to his/her Country of Nationality or Country of Residence, or(ii) Burial or cremation costs at the place of death in accordance with reasonable and customary practice. | Pre-Authorisation (i) Full refund (ii) Up to USD 10,000/EUR 8,000/GBP 6,250 | Pre-Authorisation (i) Full refund (ii) Up to USD 10,000/EUR 8,000/GBP 6,250 | Pre-Authorisation (i) Full refund (ii) Up to USD 10,000/EUR 8,000/GBP 6,250 |
| Emergency Non-Elective Treatment outside Area of CoverFor planned trips up to 30 days of duration. Treatment by a Medical Practitioner or Specialist starting within 24 hours of the Emergency event, required as a result of an Accident or the sudden beginning of a severe illness resulting in a Medical Condition that presents an immediate threat to the Insured Person’s health. | Accident: Full refund for Accident requiring In-Patient and Day-Patient care Illness: In-Patient and Day-Patient care up to USD 25,000/EUR 20,000/GBP 15,625 per Period of Cover | Accident: Full refund for Accident requiring In-Patient and Day-Patient care Illness: In-Patient nd Day-Patient care up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover | Accident: Full refund for Accident requiring In-Patient and Day-Patient care Illness: In-Patient and Day-Patient care up to USD 35,000/EUR 28,000/GBP 21,875 per Period of Cover |
| Hospital Cash Benefiti) This Benefit is payable when an Insured Person receives In-Patient Treatment and only if an Insured Person is admitted for In-Patient Treatment before midnight, and the Treatment is received free of charge that would have otherwise been Eligible for Benefit privately under this Plan.This Benefit is not payable if the Insured Person is Eligible for Hospital Cash Benefit ii) Major Elective Surgery. This Benefit is limited to a minimum of 30 days between Eligible admissions, and up to a maximum of 5 admissions per policy year.ii) This Benefit is payable when an Insured Person undergoes Major Elective Surgery and only if an Insured Person is admitted for In-Patient Treatment before midnight, and the Treatment is received free of charge that would have otherwise been Eligible for Benefit privately under this Plan.This Benefit is subject to pre-approval and subject to a minimum of 30 days between Eligible admissions, and up to a maximum of 3 admissions per policy year.For this Benefit exclusion 5.9 does not apply. This Benefit is not payable if your admission and this Benefit is not pre-approved. This Benefit is not Eligible if You are admitted for an Accident and Emergency.Waiting Period: Cover only available after nine months of continuous membership. | Pre-Authorisation i) Up to USD 200/EUR 160/GBP 125 per admission ii) Up to USD 1,000/EUR 800/GBP 625 per Major Elective Surgery | Pre-Authorisation i) Up to USD 200/EUR 160/GBP 125 per admission ii) Up to USD 1,000/EUR 800/GBP 625 per Major Elective Surgery | Pre-Authorisation i) Up to USD 200/EUR 160/GBP 125 per admission ii) Up to USD 1,000/EUR 800/GBP 625 per Major Elective Surgery |
| Annual Out-Patient Limit | |||
| Benefit | SimpleCare CORE | SimpleCare 100 | SimpleCare 250 |
| Annual Out-Patient LimitApplicable to Benefit 20 and 21 only, subject to Annual Maximum Group Plan Limit | USD 1,000/EUR 800/GBP 625 | USD 2,500/EUR 2,000/GBP 1,550 | |
| Out-Patient Charges(i) Medical Practitioner fees including consultations; Specialist fees; Diagnostic Tests;(ii) Teleconsultation (Virtual Doctor appointments via electronic means).Costs associated with Eligible Treatment will be paid in full where Treatment is received from Medical Providers listed in the Now Health International Provider Network.Treatment that is not received in the Now Health International Provider Network will pay Reasonable & Customary charges.No Out-Patient Co-Insurance or Out Patient visit Excess is applicable.(iii) prescribed Drugs and Dressings.(iv) Vitamins and Minerals:Vitamins and Minerals as prescribed by a Medical Practitioner. Vitamins, minerals and eye lubricants prescribed for a diagnosed deficiency will be paid as per the Out-Patient Benefit.Maintenance of Chronic Medical Conditions requiring ongoing or long-term monitoring through consultations, examinations, check-ups, Drugs and Dressings and/or tests are covered under this Benefit.Please note: If claim receipts do not show a breakdown of the medical services rendered, We will only pay Eligible claims up to the Prescribed Drugs and Dressings limit.SimpleCare CORE: (i) Medical Practitioner fees including consultations; Specialist fees; Diagnostic Tests.SimpleCare CORE: Any pre-operative and post-hospitalisation consultations are payable under this Benefit. | (i) and (ii) Pre-operative consultation within 15 days from the admission and post hospitalisation consultation within 30 days following discharge from Hospital Up to maximum USD 750/EUR 600/GBP 460 per Medical Condition per Period of Cover (iii) and (iv) Not covered | (i) and (ii) Full refund subject to Annual Out-Patient Limit (iii) Full refund subject to Annual Out-Patient Limit (vi) Up to USD 150/EUR 120/GBP 95 per Period of Cover (i), (ii), (iii) and (iv) subject to Annual Out-Patient Limit | (i) and (ii) Full refund subject to Annual Out-Patient Limit (iii) Up to USD 1,250/EUR 1,000/GBP 780 (iv) Up to USD 150/EUR 120/GBP 95 per Period of Cover (i), (ii), (iii) and (iv) subject to Annual Out-Patient Limit |
| Out-Patient Physiotherapy and Alternative Therapies(i) Physiotherapy by a Registered Physiotherapist.(ii) Complementary medicine and Treatment by a therapist. This Benefit extends to osteopaths, chiropodists and podiatrists, chiropractors, homeopaths, dietician and acupuncture Treatment.(iii) Out-Patient Treatment for therapies administered by a recognised traditional Chinese Medical Practitioner or an Ayurvedic Medical Practitioner. All claims to include diagnosis, consultation fee, Treatment type, Treatment fee, prescription including detailed medication and number of doses.Exclusion 5.35 applies.You may choose 5 sessions for any combination of Benefits in aggregate in a given Period of Cover for Benefits (i) and (ii) excluding dietician without the need of referral; any subsequent sessions need to be referred by a Medical Practitioner or Specialist.Please note that sessions must be conducted at a recognised medical facility or an approved healthcare center. Home-based sessions are not covered. | Not covered | (i) USD 60/EUR 48/GBP 40 per visit (ii) USD 60/EUR 48/GBP 40 per visit (iii) USD 30/EUR 24/GBP 20 per visit Combined up to 10 visits for (i), (ii) & (iii) per Period of Cover, subject to Annual Out-Patient Limit | (i) USD 80/EUR 64/GBP 50 per visit (ii) USD 80/EUR 64/GBP 50 per visit (iii) USD 40/EUR 32/GBP 25 per visit Combined up to 10 visits for (i), (ii) & (iii) per Period of Cover, subject to Annual Out-Patient Limit |
| Menopause Hormone Replacement TherapyThe cost of Hormone Replacement Therapy when required to alleviate the symptoms of the early onset of menopause where onset and Treatment commence below the age of 40 years. | Not covered | Up to USD 200/EUR 160/GBP 125 per Period of Cover | USD 300/EUR 240/GBP 190 per Period of Cover |
| Out-Patient Psychiatric IllnessOut-Patient Treatment administered by a Registered Psychologist and/or a Registered Psychiatrist, subject to 10 sessions and the cost limit under this section. For the first 5 sessions You may choose to visit a Registered Psychologist directly without the need for referral. However, any subsequent sessions with a Registered Psychologist will require referral and a Treatment Plan with a Medical Practitioner or Specialist. | Not covered | Up to USD 300/EUR 240/GBP 190 and subject to a maximum of 10 sessions per Period of Cover | Up to USD 400/EUR 320/GBP 250 and subject to a maximum of 10 sessions per Period of Cover |
| Dental CareFees of a registered Dental Practitioner carrying out dental Treatment in a dental clinic/ surgery.This Benefit provides cover for the below dental Treatment:- Screening (including x-rays where necessary)- Preventive scaling, polishing, and sealing (twice per year)- Fillings and extractions (non-surgical and surgical)- Root canal treatment- New or repair of crowns, dentures, in lays and bridges- Apicoectomy- Prescribed Drugs and Dressings Dental implants and orthodontics Treatment are specifically excluded under this Benefit.No other Treatment is covered by this Benefit.Waiting Period: Costs incurred within nine months from the Start Date (or Entry Date if You are a Dependant) are excluded.A Co-Insurance of 20% applies.For this Benefit the Plan Deductible or Plan Out-Patient Per Visit Excess does not apply. | Not covered | Not covered | Up to USD 300/EUR 240/GBP 185 per Period of Cover |
| Regional Cover Options | |||
| Benefit | SimpleCare CORE | SimpleCare 100 | SimpleCare 250 |
| Regional Cover: Africa, Europe, Indian sub-continent, Jordan, Lebanon, and the PhilippinesApplicable to residents of Africa only.By selecting this option, Your area of cover will be extended to include Europe. | Optional | Optional | Optional |
| Regional Cover: Europe (excluding United Kingdom, Germany and Switzerland)Applicable to residents of Europe only.By selecting this option, Your area of cover will change to Europe (excluding United Kingdom, Germany and Switzerland). | Optional | Optional | Optional |
| Regional Cover: South AsiaApplicable to residents of South Asia only.By selecting this option, Your area of cover will change to South Asia, Cambodia, Indonesia, Laos, Malaysia, Philippines, Thailand, Vietnam. | Optional | Optional | Optional |
| Regional Cover: Pacific IslandsApplicable to residents of Pacific Islands only.By selecting this option, Your area of cover will change to Pacific Islands, Indonesia, Malaysia, Philippines. | Optional | Optional | Optional |
| Region of Cover: Worldwide excluding USAApplicable to residents of Africa, Europe and South East Asia where a default Regional Cover applies.By selecting this option, Your area of cover will change to Worldwide excluding USA. | Optional | Optional | Optional |
| Out-Patient Options | |||
| Benefit | SimpleCare CORE | SimpleCare 100 | SimpleCare 250 |
| Co-Insurance Out-Patient TreatmentA 20% Co-Insurance will apply to all Eligible Out-Patient Treatment.Please note that the Co-Insurance will not apply to Treatment relating to Renal dialysis/ Renal failure, Cancer or Organ Transplants.This option is not available for Plans with Deductibles of USD 1,000/EUR 800/GBP 625 or higher. | Optional | Optional | |
| Out-Patient Per Visit ExcessA USD 25/EUR 20/GBP 15 Out-Patient Per Visit Excess will apply when You receive Eligible Out-Patient Treatment.Please note that the Out-Patient Per Visit Excess will not apply to Treatment relating to Renal dialysis/Renal failure, Cancer or Organ Transplants.This option is not available for Plans with Deductibles of USD 1,000/EUR 800/GBP 625 or higher. | Optional | Optional | |