International Health Insurance provider, Now Health International, have announced this week that during the Covid-19 pandemic, they are launching a virtual doctor service to their members based in the UK, however the detail is important as the standard plan terms and conditions apply.

With many people still uncomfortable with going to see their GP at their surgery, telemedicine services have seen usage swell by up to 400% over the last few months. Now Health International has now responded to this demand and is offering pay and claim coverage for telemedicine.

In addition, Now Health has also agreed a preferred partnership with telemedicine service provider, Medicspot. Upon launch they introduced Medicspot as using “cutting edge innovation in medical technology to help improve the quality of healthcare for all. Their vision is to change lives with transformative care, one community at a time. Medicspot uses innovative technology to perform a full clinical examination of patients. This technology allows Medicspot to treat 70% more conditions than smartphone-based GP services.”

It’s useful for members to note that, while Medicspot are Now Health’s preferred partner, International Private Medical Insurance members can use any recognised telemedicine service provider in the UK on a pay and claim basis during the pandemic. It is however important to note that reasonable and customary charges do apply, so if the claim is outside of standard charging practises there may be a shortfall that needs to be covered by the member. If you aren’t sure, we would recommend using Medicspot to ensure your claim is reimbursed in full.

It is also worth pointing out that consultation fees and medication are covered in accordance with your plans benefits. This means that you can only use this service if you already have outpatient doctors consultations and/or prescription drugs benefits on your International Health Insurance plan. If you have an outpatient deductible, per visit excess or co-insurance, then these will also apply as they would do for a normal doctors visit.

A growing number of International Health Insurance providers have started incorporating virtual doctor services into their products over the last 12 – 24 months. The insurers who have rolled this out as a core part of their offering are doing so for members internationally, rather than just the UK. During the pandemic many have also made it available to all their members, whether it was originally included on their International Medical Insurance plan or not.