You might have heard that safety is an everyday priority, especially when you go abroad and live in other countries such as China. Buying health insurance then becomes one of the most important tasks on to-do lists for travelers. Below, AnyHelper tells you how you can purchase health insurance so you and your family can live a safe and happy life.
Local Insurance Providers
There are three major Chinese insurance providers: Ping An Health (PAH), Kunlun Health, and PICC Health. AnyHelper discovered Ping An has more foreigner-friendly services, thus we only discuss Ping An in this article.
PING AN
Intro
Ping An is a professional health insurance company under the Ping An Insurance Group of China, Ltd. First established in 2005 after approved by the China Insurance Regulatory Commission, Ping An Health is headquartered in Shanghai and has seven branch offices across the country.
Available Plan
Global Medical Insurance:
This integrated healthcare plan is designed for expatriates. Some of the highlights include global comprehensive care and services as well as international emergency repatriation.
Basic Package:
Room, board, and nursing fully covered (180 days per year);
Examination and laboratory tests fully covered;
Ambulance fully covered
Standard Package:
Basic package benefits plus in-patient psychiatric treatment up to 100 days per year or RMB 50,000 in value.
Elite Package:
Standard package plus family care up to 100 days per year, and hospice care up to 45 days per year.
Submitting a claim
You can submit a claim by choosing direct billing service for hospitals in the Ping An network or pay first and submit claims for reimbursement for hospitals outside Ping An network.
To get a quote or if you have any other questions about Ping An health insurance plans, contact Ping An via:
Phone: 4008833663
Email: [email protected]
English website: click HERE
International Insurance Providers
Insurance plans provided by international companies are usually a bit more expensive. Most of them cover all of the international hospitals in different countries around the world.
Cigna
Intro
Cigna is a global health service company with 95 million customers and more than 40,000 employees worldwide.
Available Plans
Silver: Up to $1,000,000 USD of coverage per beneficiary.
Gold: Up to $2,000,000 USD of coverage per beneficiary.
Platinum: Unlimited coverage
To get a quote, visit HERE.
Submitting a claim
You can submit a claim by phone (provided below) prior to treatment or click HERE.
Contact Info
Phone: 877.539.6295 (Within the US) | +44(0)1475 492119 (Outside the US)
You can also have them call you by filling out this form: HERE.
Aetna
Intro
Aetna Inc. is an American managed health care company founded in 1853 in Hartford, CT. It is now a subsidiary of CVS Health.
Available Plans
US Citizens:
Classic: Up to $4,000,000 USD of coverage per person without dental coverage;
Exclusive: Up to $4,000,000 USD of coverage per person with Dental coverage.
To get a quote, visit HERE.
Non-US citizens:
Pioneer 1750: Up to $1,750,000 USD of coverage per person.
Pioneer 2500: Up to $2,500,000 USD of coverage per person.
Pioneer 4000: Up to $4,000,000 USD of coverage per person.
Pioneer 5000: Up to $5,000,000 USD of coverage per person.
Pioneer 5000+: Up to $5,000,000 USD of coverage per person with other benefits.
Submitting a claim
The best way for you to get paid quickly is to submit a claim online. After youve logged in to the secure member website (HERE), click on the Claims Center link at the top of the page.
Contact Info
Phone: (+1) 800-914-2177 (US toll free)
You can have them call back: click HERE
Website: HERE
MSH China
Intro
MSH China was founded in 2001. The corporate headquarters is located in Shanghai, with offices in Beijing, Guangdong, Shenzhen, and Chengdu.
Available Plans
Pearl: Up to $1,000,000 USD of annual coverage per person;
Sapphire: Up to $2,000,000 USD of annual coverage per person;
Diamond: Up to $3,000,000 USD of annual coverage per person;
To get a quote, click HERE.
Submitting a claim
Customers can submit a claim by contacting MSH customer service (See below)
Contact Info
Phone: (+86) 2161870591 (China) or (+1) 4035396136 (US)
Email: [email protected]
How / Where to Purchase?
The best way to purchase health insurance is by directly accessing the provider's official website. Most websites provide you with all the information you need about packages, coverage, costs, etc. You can also sign up for an appointment to talk to an agent. Furthermore, you can get a quote to know how much you will pay for your insurance in advance.
Always remember that the most important factor when purchasing insurance is to read all policies carefully and be aware of what each package covers to prevent any unexpected fees when you get a hospital bill to your residence. At the same time, be aware of third parties who sometimes might provide you with a cheaper final cost, but sometimes some have more rigorous policies and less coverage. If you decide to purchase insurance through a third party, make sure it is officially accredited by the insurance company.
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