Insurance · Health insurance
Now Health International
Health insurance
Now Health International is an international health insurer founded in Hong Kong in 2010 and focused exclusively on international health cover for expats residing in Asia, the Middle East and Africa. Owned by the AXA group since 2020, Now Health has kept its distinct brand and its "digital first" positioning: online subscription, MyNow mobile app, access to a network of more than one million medical facilities worldwide, including the main international clinics in Cambodia. The company is regularly recognised for its customer service ("Best International Health Insurance Provider" by specialist publications such as Asia Insurance Review). In Cambodia, Now Health distributes three main ranges — SimpleCare, WorldCare and International — each available in Essential, Standard, Premium and Plus levels, which allows price/cover ratios to be finely tuned. Now Health's main strength for the Asian expat market lies in direct billing across its regional network (Bumrungrad, Bangkok Hospital, Mount Elizabeth, Raffles Singapore, Royal Phnom Penh, Sunrise Japan) and an advertised reimbursement time of under 5 days. For French-speaking expats, customer service remains mostly in English; documentation is available in French but the sales journey is essentially English-language. Typical rates: USD 2,000–6,000 / adult / year depending on plan and zone (Cambodia is in the Asia zone). A good compromise between the low-cost players (Genki, William Russell) and the premium ones (AXA Global Healthcare, Cigna).
Verified on
- Website
- https://www.now-health.com
- Phone
- +852 2279 8499
- Languages
- EN FR
- Google Reviews
- 4.4 / 5 (320 reviews)
Address
Aucune agence Cambodge — siège régional : 20/F, K11 Atelier King's Road, 728 King's Road, Quarry Bay, Hong Kong
Insurance types covered
Advantages & drawbacks
Advantages
- Asia expat specialist — Model designed for expats residing in Asia / Middle East / Africa.
- Reimbursement < 5 days — Smooth digital process, MyNow app.
- Broad direct ASEAN network — Cashless billing with international hospitals in Phnom Penh / Bangkok / Singapore.
- Good price/quality ratio — Compromise between Genki and AXA Global Healthcare.
Drawbacks
- No local office — Everything online, no physical presence in Cambodia.
- Customer service mainly in English — French documents available but advisers speak English.
- Outpatient caps sometimes considered tight — Check per-item sub-limits before subscribing.
Available insurances
| Product | Type | Target | Description |
|---|---|---|---|
| SimpleCare | Health insurance | Tight budget, hospitalisation only | In-patient + day-care plan, moderate caps. |
| WorldCare | Health insurance | Standard expat family | In-patient + out-patient + optional maternity, comfortable caps. |
| WorldCare International | Health insurance | Worldwide cover | Premium / Plus plans, worldwide cover incl. USA option. |
Coverage limits
| Item | Limit | Notes |
|---|---|---|
| Hospitalisation | Up to USD 2,500,000 / year | WorldCare Plus plan. |
| Medical evacuation | Actual costs up to USD 1,500,000 | — |
| Outpatient care | 5,000–unlimited depending on plan | — |
| Maternity | Up to USD 10,000 | Standard+ plans, 10-month waiting period. |
| Dental | Up to USD 2,500 / year | — |
| Optical | Up to USD 500 / year | — |
Coverage regions
| Region | Status | Notes |
|---|---|---|
| Asia (zone 2) | Included | Base rate for Cambodia residents. |
| Worldwide ex-US | Optional | — |
| Worldwide incl. USA / Canada | Optional | Heavy surcharge. |
Inclusions & exclusions
| Element | Status | Notes |
|---|---|---|
| Hospitalisation | Included | — |
| Outpatient care | Included | WorldCare and International plans. |
| Maternity | Optional | Rider, 10-month waiting period. |
| Dental | Optional | — |
| Optical | Optional | — |
| Complementary medicine (acupuncture, osteopathy) | Optional | — |
| Pre-existing conditions | Excluded | — |
| Cosmetic treatments | Excluded | — |
| COVID-19 | Included | — |
Partner medical network
- Royal Phnom Penh Hospital — Phnom Penh
- Sunrise Japan Hospital — Phnom Penh
- Raffles Medical Phnom Penh — Phnom Penh
- Naga Clinic — Phnom Penh
- Khema International Polyclinic — Phnom Penh
- Bumrungrad International Hospital — Bangkok
- Bangkok Hospital — Bangkok
- Mount Elizabeth Hospital — Singapore
- Raffles Hospital — Singapore
Sources (1)
Every fact in this guide comes from official documents or government sites. An access date is recorded for each source.