Now Health WorldCare is an international private medical insurance plan from Now Health International, available in Kenya through Naveah Capital. It comes in four levels (Essential, Advance, Excel and Apex) with annual limits of USD 3m to USD 4.5m, worldwide cover excluding the USA as standard (regional options and a USA add-on are available), a nil standard deductible, emergency evacuation paid in full, and chronic-condition treatment paid in full on every level except Essential.
Naveah Capital is your Now Health International partner in Kenya
We arrange, compare and service WorldCare policies for clients in Nairobi and across Kenya. As an IRA-licensed insurance agency we work for you: we set up the right level, area of cover and deductible, compare it with the other international plans on our panel, handle the application and stand beside you at every claim — at no extra cost. Request a quote or WhatsApp us.
Who Now Health WorldCare is for
- Expats and globally mobile families who want high limits without US premiums
- Anyone who wants chronic conditions covered in full (Advance and above)
- Companies wanting one worldwide plan for staff across countries
Now Health WorldCare plan levels at a glance
- Included
- Included with a limit
- Optional / add-on
- Not covered
Tables scroll sideways to show every level.
| Benefit | Essential | Advance | Excel | Apex |
|---|---|---|---|---|
| Annual limit | USD 3m/EUR 2.4m/GBP 1.9m | USD 3.5m/EUR 2.8m/GBP 2.2m | USD 4m/EUR 3.2m/GBP 2.5m | USD 4.5m/EUR 3.6m/GBP 2.8m |
| Deductible / excess | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers |
| Outpatient GP & specialist | Up to USD 2,000/condition (pre/post-op only) | Full refund | Full refund | Full refund |
| Maternity (routine) | Not covered | Not covered | Not covered | USD 17,500 (after 12mo) |
| Newborn cover | USD 100,000 | USD 100,000 | USD 125,000 | USD 150,000 |
Cover outside your region and outside Kenya
WorldCare covers you worldwide excluding the USA as standard, with cheaper regional options and an optional USA add-on for planned treatment (up to USD 1.5m). Outside your chosen area, accidents are covered in full and emergency illness up to USD 25,000 (Essential, Advance), USD 35,000 (Excel) or USD 50,000 (Apex). Emergency evacuation and repatriation are paid in full on every level.
| Benefit | Essential | Advance | Excel | Apex |
|---|---|---|---|---|
| Area of cover options | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) |
| Out-of-area emergencies (accident / illness) | Accident: full refund; Illness: USD 25,000 | Accident: full refund; Illness: USD 25,000 | Accident: full refund; Illness: USD 35,000 | Accident: full refund; Illness: USD 50,000 |
| Planned treatment in the USA | Optional, up to USD 1.5m | Optional, up to USD 1.5m | Optional, up to USD 1.5m | Optional, up to USD 1.5m |
| Emergency medical evacuation | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) |
| Repatriation | Full refund | Full refund | Full refund | Full refund |
Pre-existing and chronic conditions
Chronic conditions are not covered on WorldCare Essential, and are paid in full on Advance, Excel and Apex. Congenital conditions are covered up to USD 100,000–150,000 and HIV/AIDS up to USD 25,000–50,000 (Essential: in/day-patient only, after 3 years).
How existing conditions are assessed
Now Health underwrites individual plans on a full medical underwriting basis, so existing conditions are reviewed and may be accepted, excluded or loaded. Groups of 10+ can be offered medical history disregarded, and switchers can carry over previous terms.
Source: now-health.com. Your exact terms are confirmed in writing with your quote.
| Benefit | Essential | Advance | Excel | Apex |
|---|---|---|---|---|
| Chronic / pre-existing conditions (in- & day-patient) | Not covered | Full refund | Full refund | Full refund |
| Congenital & hereditary conditions | USD 100,000 | USD 100,000 | USD 125,000 | USD 150,000 |
| HIV / AIDS | In/day-patient only, USD 25,000 (after 3 yrs) | USD 25,000 | USD 40,000 | USD 50,000 |
| Kidney dialysis | In-patient full refund; day/OP up to USD 50,000 | Full refund; up to USD 100,000 | Full refund; up to USD 100,000 | Full refund; up to USD 100,000 |
| Cancer treatment | Full refund | Full refund | Full refund | Full refund |
| Hospice & palliative care | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) |
Optical and dental cover
Optical care is an optional add-on on every level. Accident-related dental is paid in full; routine dental is included on Excel (USD 1,000) and Apex (USD 1,500) with major dental of USD 2,000 and USD 3,000 — on Essential and Advance dental is an optional add-on.
| Benefit | Essential | Advance | Excel | Apex |
|---|---|---|---|---|
| Optical (eye tests, glasses, lenses) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) |
| Dental — after an accident | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) |
| Dental — routine | Not covered (optional add-on) | Not covered (optional add-on) | USD 1,000 | USD 1,500 |
| Dental — major / restorative | Not covered (optional add-on) | Not covered (optional add-on) | USD 2,000 | USD 3,000 |
Full table of Now Health WorldCare benefits
Every benefit from the Now Health International plan brochure, level by level, as compiled in Naveah’s international health comparison.
Show all 56 benefits
| Benefit | Essential | Advance | Excel | Apex |
|---|---|---|---|---|
| Plan Overview | ||||
| Annual limit | USD 3m/EUR 2.4m/GBP 1.9m | USD 3.5m/EUR 2.8m/GBP 2.2m | USD 4m/EUR 3.2m/GBP 2.5m | USD 4.5m/EUR 3.6m/GBP 2.8m |
| Area of cover options | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) | Worldwide excl. USA (regional options avail.; USA optional) |
| Deductible / excess | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers | Nil standard; optional USD150–USD15,000 tiers |
| Inpatient / Hospital Treatment Benefits | ||||
| Hospital Accommodation & Core Charges (room/board, surgeon, anaesthetist, theatre) | Full refund | Full refund | Full refund | Full refund |
| Intensive Care Unit | Included in hospital charges (full refund) | Included in hospital charges (full refund) | Included in hospital charges (full refund) | Included in hospital charges (full refund) |
| In-Patient Psychiatric Treatment | Full refund, up to 30 days | Full refund, up to 30 days | Full refund, up to 30 days | Full refund, up to 30 days |
| Chronic / pre-existing conditions (in- & day-patient) | Not covered | Full refund | Full refund | Full refund |
| Organ / Bone Marrow / Stem Cell Transplant | Full refund treatment; donor costs up to USD 50,000 | Full refund treatment; donor costs up to USD 50,000 | Full refund treatment; donor costs up to USD 50,000 | Full refund treatment; donor costs up to USD 50,000 |
| Reconstructive Surgery | Full refund | Full refund | Full refund | Full refund |
| Rehabilitation (Inpatient) | Up to 30 days/condition | Up to 180 days/condition | Full refund | Full refund |
| Kidney dialysis | In-patient full refund; day/OP up to USD 50,000 | Full refund; up to USD 100,000 | Full refund; up to USD 100,000 | Full refund; up to USD 100,000 |
| Newborn cover | USD 100,000 | USD 100,000 | USD 125,000 | USD 150,000 |
| Parent Accommodation (staying with child, typically <18) | Full refund | Full refund | Full refund | Full refund |
| Hospital Cash Benefit (when treatment/accommodation provided free) | USD 200/admission + USD 1,000/major elective surgery (9mo wait) | USD 200/admission + USD 1,000/major elective surgery (9mo wait) | USD 200/admission + USD 1,000/major elective surgery (9mo wait) | USD 200/admission + USD 1,000/major elective surgery (9mo wait) |
| Hospice & palliative care | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) | See Terminal Illness benefit (separate lifetime limit) |
| Local Road Ambulance | Full refund | Full refund | Full refund | Full refund |
| Local Air Ambulance | Included in Emergency Ambulance Transportation (full refund) | Included in Emergency Ambulance Transportation (full refund) | Included in Emergency Ambulance Transportation (full refund) | Included in Emergency Ambulance Transportation (full refund) |
| Terminal Illness (lifetime limit) | USD 50,000 lifetime | USD 50,000 lifetime | USD 75,000 lifetime | USD 100,000 lifetime |
| Congenital & hereditary conditions | USD 100,000 | USD 100,000 | USD 125,000 | USD 150,000 |
| HIV / AIDS | In/day-patient only, USD 25,000 (after 3 yrs) | USD 25,000 | USD 40,000 | USD 50,000 |
| Cancer treatment | Full refund | Full refund | Full refund | Full refund |
| Emergency medical evacuation | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) | Full refund (transport, local travel, accompanying person) |
| Repatriation | Full refund | Full refund | Full refund | Full refund |
| Out-of-area emergencies (accident / illness) | Accident: full refund; Illness: USD 25,000 | Accident: full refund; Illness: USD 25,000 | Accident: full refund; Illness: USD 35,000 | Accident: full refund; Illness: USD 50,000 |
| Outpatient Treatment & Other Benefits | ||||
| Outpatient GP & specialist | Up to USD 2,000/condition (pre/post-op only) | Full refund | Full refund | Full refund |
| Prescription Drugs | Bundled with consultation fees above | Bundled with consultation fees above | Bundled with consultation fees above | Bundled with consultation fees above |
| Diagnostics (X-ray / Pathology / Blood tests) | Included in Out-Patient Charges benefit | Included in Out-Patient Charges benefit | Included in Out-Patient Charges benefit | Included in Out-Patient Charges benefit |
| Advanced Imaging (MRI / CT / PET) | Included under Diagnostic Procedures (full refund) | Included under Diagnostic Procedures (full refund) | Included under Diagnostic Procedures (full refund) | Included under Diagnostic Procedures (full refund) |
| Physiotherapy | 5 sessions (post-hosp. only) | Up to 30 sessions, full refund | Full refund | Full refund |
| Complementary Therapies (Osteopathy, Chiropractic, Acupuncture, TCM etc.) | Not covered | Up to 30 visits, full refund | Full refund | Full refund |
| Outpatient Surgery | Full refund | Full refund | Full refund | Full refund |
| Outpatient Psychiatric Treatment | Not covered | USD 2,500 | USD 5,000 | USD 7,500 |
| Home Nursing (post-discharge) | 30 days, USD 100/day | 45 days, full refund | 60 days, full refund | 120 days + 5 GP visits |
| Vaccinations | Optional add-on (limits vary by option) | Optional add-on (limits vary by option) | Optional add-on (limits vary by option) | Optional add-on (limits vary by option) |
| Routine Health Screening / Wellness Checks | Optional add-on only | Optional add-on only | Optional add-on only | Optional add-on only |
| Optical (eye tests, glasses, lenses) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) | Optional add-on (Wellness/Optical/Vaccinations options) |
| Dental — after an accident | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) | Full refund (In-Patient Emergency Dental) |
| Dental — routine | Not covered (optional add-on) | Not covered (optional add-on) | USD 1,000 | USD 1,500 |
| Dental — major / restorative | Not covered (optional add-on) | Not covered (optional add-on) | USD 2,000 | USD 3,000 |
| Maternity (routine) | Not covered | Not covered | Not covered | USD 17,500 (after 12mo) |
| Maternity – Complications | Full refund | Full refund | Full refund | Full refund |
| Second Medical Opinion | Included | Included | Included | Included |
| Teleconsultation / Telehealth | Paid in full with Now Health network providers | Paid in full with Now Health network providers | Paid in full with Now Health network providers | Paid in full with Now Health network providers |
| Member/Employee Assistance Programme | Included (LifeWorks/TELUS), 5 counselling sessions/yr | Included (LifeWorks/TELUS), 5 counselling sessions/yr | Included (LifeWorks/TELUS), 5 counselling sessions/yr | Included (LifeWorks/TELUS), 5 counselling sessions/yr |
| Additional / Provider-Specific Benefits | ||||
| External Prostheses (Outpatient, per Policy Year) | Bundled with DMEPOS (see Hospital Charges row) – up to USD 2,000–4,000 | Bundled with DMEPOS – up to USD 2,000–4,000 | Bundled with DMEPOS – up to USD 3,000 | Bundled with DMEPOS – up to USD 4,000 |
| Planned treatment in the USA | Optional, up to USD 1.5m | Optional, up to USD 1.5m | Optional, up to USD 1.5m | Optional, up to USD 1.5m |
How Now Health WorldCare compares with our other partner plans
We place seven international health plans in Kenya. If Now Health WorldCare isn’t the right fit, one of these may be — or let our free plan matcher shortlist them for you.
USD 2m · 4 levelsAPRIL Africa Long-Term
People based in Kenya who want a straightforward USD 2m limit at a regional price (Area 3).
USD 1.6m – USD 5m · 4 levelsGEHP (AXA / Old Mutual)
Kenya residents who want a locally issued policy with a global network.
USD 2m – USD 10m · 4 levelsBupa Company Africa
Employers wanting a premium global brand for senior staff.
USD 1.5m – USD 3m · 2 levelsBupa Africa Explorer
Individuals and families who want the Bupa name at an Africa-based price.
USD 3m – USD 5m · 5 levelsVUMI Global Flex VIP
Families who want maternity, newborn and even IVF cover (Superior to Total).
USD 50k – USD 6m · 6 levelsCigna Africa
Organisations that want one plan with levels for every grade of staff.
Frequently asked questions
Does Now Health WorldCare cover treatment outside Kenya?
WorldCare covers you worldwide excluding the USA as standard, with cheaper regional options and an optional USA add-on for planned treatment (up to USD 1.5m). Outside your chosen area, accidents are covered in full and emergency illness up to USD 25,000 (Essential, Advance), USD 35,000 (Excel) or USD 50,000 (Apex). Emergency evacuation and repatriation are paid in full on every level.
Does Now Health WorldCare cover pre-existing or chronic conditions?
Chronic conditions are not covered on WorldCare Essential, and are paid in full on Advance, Excel and Apex. Congenital conditions are covered up to USD 100,000–150,000 and HIV/AIDS up to USD 25,000–50,000 (Essential: in/day-patient only, after 3 years). Now Health underwrites individual plans on a full medical underwriting basis, so existing conditions are reviewed and may be accepted, excluded or loaded. Groups of 10+ can be offered medical history disregarded, and switchers can carry over previous terms.
Does Now Health WorldCare include dental and optical cover?
Optical care is an optional add-on on every level. Accident-related dental is paid in full; routine dental is included on Excel (USD 1,000) and Apex (USD 1,500) with major dental of USD 2,000 and USD 3,000 — on Essential and Advance dental is an optional add-on.
What is the annual limit on Now Health WorldCare?
Now Health WorldCare has 4 levels with these annual limits: Essential (USD 3m), Advance (USD 3.5m), Excel (USD 4m), Apex (USD 4.5m). The right level depends on who you are covering, where you need treatment and your budget — we compare them side by side for you.
Can I buy Now Health WorldCare in Kenya through Naveah Capital?
Yes. Naveah Capital is an IRA-licensed insurance agency in Nairobi and a partner for Now Health International in Kenya. We compare WorldCare against the other international plans we place, help you choose the right level, area of cover and deductible, submit the application and stay with you through every claim — at no extra cost to you. Call or WhatsApp 0722 710 004, or request a quote on this page.
Get your Now Health WorldCare quote
Tell us who needs cover and where — an IRA-licensed adviser prices Now Health WorldCare and compares it with the other plans we place, usually within the hour.
Summary of the Now Health International plan brochure as compiled in Naveah’s international health comparison, reviewed October 2026. Benefits, limits, waiting periods and exclusions are confirmed on the insurer’s policy documents and your quote. Naveah Capital is an independent, IRA-licensed insurance agency; insurer names and logos belong to their owners.
Naveah Capital · International health team
IRA-licensed insurance agency · 209 Parkwest Building, Parklands, Nairobi
We compare international health plans from seven partner insurers so expats, families and companies in Kenya get the right cover at the right price. Talk to an adviser or call 0722 710 004.
