If coverage is confirmed
Eligible private-hospital options
We share the private-provider and city choices supported for the confirmed policy. Direct billing remains subject to the insurer's final terms, co-payment and deductible.
Benefits check before booking
Using international health insurance in China
Tell us which policy you hold. A human coordinator will check the applicable benefits, region and provider route before presenting options.
Common insurers and assistance networks we can help check
- Allianz
- AXA
- Cigna
- Bupa
- AIA
- Prudential
- UnitedHealthcare
- Generali
- MSH International
- International SOS
- APRIL International
- AIG
Examples only. Inclusion does not confirm coverage or direct billing for your policy. Other insurers may also be supported after review.
How the check works
Share the required details
Send your insurer, identity and preferred appointment information through WhatsApp.
We check the policy
A human coordinator checks geographic coverage, eligible providers, co-payment or deductible, and direct-billing availability.
Choose a confirmed route
We return the currently eligible private-hospital and city choices, or explain the self-pay alternative.
Two possible care paths
If the proposed route is not covered
Public Grade 3A self-pay options
We can instead coordinate suitable public Grade 3A hospital options. Public-hospital care is treated as self-pay unless a specific hospital and policy are separately confirmed.
Frequently asked questions
Can I use international health insurance at hospitals in China?
Yes. International health insurance policies (such as Bupa, Cigna, Allianz, and MSH) can be used at eligible private hospitals and international departments in China, subject to policy benefits, geographic coverage, and network verification.
How does direct billing work for hospital care in China?
When direct billing is active between your insurer and the hospital, covered outpatient and inpatient medical fees are billed directly to the insurer. Any deductible or co-payment is settled on site, and pre-authorisation is confirmed before booking.
Can international insurance cover care at public Grade 3A hospitals?
Public Grade 3A hospital care is generally treated as self-pay, with patients paying the hospital directly and submitting itemized invoices for claim reimbursement, unless the hospital's international medical department has a direct-billing agreement with your insurer.
Benefits check before booking
Information needed for the benefits check
Send the details below so a human coordinator can start the check.
Direct billing is not automatically available. Please provide your insurer and personal details so we can verify your benefits, geographic coverage, eligible medical providers, co-payment or deductible, and whether direct billing can be arranged. Confirmation is required before booking.
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