space3

China Expat Medical / Health Insurance

Whether you are a national relocating for your job or an expatriate moving to or traveling in China, your time abroad will be much more enjoyable with the security of reliable medical insurance. With all of the varied concerns that come with any big move, choosing your coverage doesn't have to be stressful.

For foreigners living in China, the prospect of receiving care at a local hospital can be daunting. While there are hospitals designed for international clientele, the services available can cost much more than equivalent care would cost in your county of origin. This is why it is so important to be sure that you have high-quality expatriate medical insurance while you are in China; you can feel safe about the health care available while not having to worry about the cost of treatment getting too steep. With the current economic prosperity that the country is experiencing, health insurance China options are becoming more readily available.

If you are included in your company's worldwide group health insurance scheme, you will usually enjoy a more comprehensive cover then locally applicable. In case you need to provide for your own insurance, you should explore insurance packages designed for expats

We are currently researching the best options for expatriates and find out a competitive one (AXA Health Insurance) from numerous and dazzling health insurance products:

Why Choose AXA Health Insurance ?

1) AXA Health Insurance has 3 different levels of cover: China Plan(cover China exclude HK,Taiwai, Macau), International Plan(cover worldwide exclude US) and Worldwide Plan(cover all countries) ranging from essential hospitalization cover to our all-inclusive packages which have benefits such as dental and free health checks.

Inpatient Cover China Plan International Plan Worldwide Plan
Annual Limit for Part 1-7 8,000,000 12,000,000 18,000,000
Part 1: Hospitalization Benefit: Co-Payment Nil Nil Nil
Daily Room & Board Limit Per Day StandardPrivate Room StandardPrivate Room StandardPrivate Room
Intensive Care Unit
Full Coverage Full Coverage Full Coverage
Hospital Miscellaneous Expenses (Prescription drugs, inpatient diagnostic procedures, Nursing, Operating theatre charges) Full Coverage Full Coverage Full Coverage
Inpatient Physiotherapy**, Ambulance Service, Surgeon's Fee, Anesthetist's Fee, Inpatient Physician's Visit Full Coverage Full Coverage Full Coverage
Home Nursing** (Max 90 days per disability) Full Coverage Full Coverage Full Coverage
Immediate Family Accommodation **(Max 90 days per disability) Full Coverage Full Coverage Full Coverage
Pre-hospitalization or Pre-day Surgery Specialist Consultation (Up to 90 days before admission) Full Coverage Full Coverage Full Coverage
Pre-hospitalization or Pre-day Surgery Diagnostic Services (Up to 90 days before admission) Full Coverage Full Coverage Full Coverage
Post-hospitalization or Post-day Surgery Treatment: Within 90 days immediately following the date of the last discharge from hospital Full Coverage Full Coverage Full Coverage
Inpatient Psychiatric Treatment: Up to 30 days per policy year after 12 months continuous cover under the plan; Lifetime limit of 100 days / Full Coverage Full Coverage
Part 2: Major Organ Transplant Full Coverage Full Coverage Full Coverage
Part 3: Artificial Prosthesis (Surgical Implants) Full Coverage Full Coverage Full Coverage
Part 4: Cancer Treatment and Outpatient Kidney Dialysis
Benefit Limit Per Year / Lifetime Limit
500,000
/ 1,500,000
650,000
/ 2,000,000
800,000
/ 2,500,000
Part 5: Outpatient Emergency Dental Treatment (Due to accidents only) Full Coverage Full Coverage Full Coverage
Part 6: Outpatient Emergency Treatment (Due to accidents only) Full Coverage Full Coverage Full Coverage
Part 7: Usage of High Cost Provider Available with conditions Available with conditions Available with conditions
Part 8: Emergency Assistance Service and Benefits Unlimited Unlimited Unlimited
Outpatient Cover China Plan International Plan Worldwide Plan
Annual Limit (Limit to 1 visit per day per disability) 30,000 60,000 120,000
Co-Payment Nil Nil Nil
Clinical Consultation, Specialist Consultation, Prescription Drugs & Medicine Full Coverage Full Coverage Full Coverage
Physiotherapy & Chiropractic Treatment** (Max 10 visits per year)
Full Coverage Full Coverage Full Coverage
X-Ray and Laboratory Fees Full Coverage Full Coverage Full Coverage
Chinese Herbalist,Bonesetter,and Acupuncturist** (Max 10 visits per year) Full Coverage Full Coverage Full Coverage
Routine physical examinations,health screening & health check-ups, and vaccinations: Benefit Limit Per Year 3,000 4,000 5,000
Usage of High Cost Provider Available with conditions Available with conditions Available with conditions
Dental Cover (Optional based on IP+OP) China Plan International Plan Worldwide Plan
Annual Limit 5,000 8,000 10,000
Co-Payment 25% 25% 25%
Dental Treatment Covered Covered Covered
Preventive & Oral Examination (Max 2 visits per year) Max limit per visit 500 800 1,000
Dentures ** Max limit per tooth 2,500 2,500 2,500
Usage of High Cost Provider Available with conditions Available with conditions Available with conditions
Maternity Cover (only for renewal business and optional based on IP+OP ) China Plan International Plan Worldwide Plan
Annual Limit 30,000 60,000 90,000
Waiting Period 12 months 12 months 12 months
Co-Payment Nil Nil Nil
Normal Delivery, Cesarean**,Abortion**, Miscarriage**,Medically Necessary costs for new born baby for 15 days upon birth Full Coverage Full Coverage Full Coverage
Usage of High Cost Provider Available with conditions Available with conditions Available with conditions
Free Quote Please email us to get free quote! E-mail: info@visainchina.com

2) Use your members card to access a vast network of premium medical facilities across China, Hongkong and Asian. There's no need for you to pay upfront because AXA Health Insurance pays your medical bills directly. Details below:

  Direct Billing Advantages of Direct Billing
Beijing 30+ Hospitals
  • No need to go through slow and tedious
    claims processes.
  • 24-hour VIP Hotline for easy arrangement
    of hospitalization.
  • Your own personalized members card for
    fast service at our medical provider partner
    network.
  • No need to use your own cash or credit
    card for in-patient, out-patient, emergencies.
Shanghai 40+ Hospitals
GuangDong 9 Hospitals
China other cities 100+ Hospitals
Malaysia 2000+ Hospitals
Thailand 200+ Hospitals
Singapore 160+ Hospitals
Vietnam 5 Hospitals
Indonesia 500+ Hospitals
More details about direct billing hospital list please email: info@visainchina.com

3) Prevention is better than any cure. With the Wellness Benefit, AXA Health Insurance will fully cover any necessary tests or vaccinations to ensure you're fit and healthy. And because it makes use of Direct Billing, you don't need to pay cash and claim. About the Wellness Benefit:

  • Fully covered tests and vaccinations up to RMB 3000 (China Plan) or RMB 4000 (International Plan) or RMB 5000 (Worldwide Plan) each year.
  • Covers all necessary vaccinations for babies, children & adults.
  • We will cover any tests and vaccinations recommended by your doctor.
  • More details about AXA Health Insurance please email: info@visainchina.com

top

logoMeshing Consultancy Services Co., Ltd.
Address: Room 820, No.555 WuDing Rd (North Shaanxi Rd), Shanghai China. [ -MAP- ]
Operation Time: Mon-Fri 9am-6pm (12:30am-1:30pm lunch) Public Holidy Check here
Tel1: 021-51699039 (You can inquire in English, Japanese or Chinese)
Tel2: 021-63075776
Emergency: 13501828752
E-mail: info@visainchina.com
Website: http://www.visainchina.com