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High-end Health Insurance

2016-01-15

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The high-end health insurance is one of the fastest growing insurances in the current insurance market in China. It provides a package of convenient and attentive services concerning doctor’s visit, appointment making, treatment and direct payment. What distinguishes this insurance from health insurance can be summarized as follows.

1.Super high sum insured, which generally reaches several million yuan and can be as high as over ten million yuan. This high-end insurance not only covers the costs of outpatient services, emergency treatment, organ transplantation, and treatment of cancer among other serious diseases, but also those spent on TCM, physiotherapy and mental disorder, which are not insured against by an average health insurance.


2.Breaking through the limit of health insurance on hospital and medicine choosing, this insurance is also valid in privately-owed and foreign-invested hospitals with more types of drugs covered in addition to those listed in the social insurance. Besides, all the costs spent in the hospital can be reimbursed for.


3.There’s no threshold required, and all the costs will be directly paid from the insurance company to the hospital.


4.It has a wide range of coverage which extends worldwide.


In addition, this insurance program is flexible in that different insurances can be boughtincombination according to the client’swill. For example, the client can freely decide whether to include maternity, dental and ophthalmic treatment, or physical examination into the insurance coverage.


The high-end health insurance generally provides guarantee in several aspects, including hospitalization,outpatient service, maternity, dental and ophthalmic treatment, as well as physical examination. Everyspecific insurance is customized in accordance with the specific needs of the client. The design of each insurance product is generally influenced by the following factors.


Which areas to be covered: Mainland China only, or Hong Kong, Taiwan, the Asian-Pacific region, Europe and America also included; which hospital to choose: whether to cover private hospitals which are not designated by the social insurance; what servicesto be covered: categories of drugs to be covered, treatment items, disease types, nursing services, physical examination, etc.; which program to choose: individual program, family plan or group project; what kinds of additional services to choose: various types of emergency rescue plans and services; what payment period to choose: whether to choose online payment to shorten the time span. In the meantime, services customized for each insured party can be added, such as health management, second medical opinion and no claim discount. Besides, for a given group of people, special products can be designed and supporting services provided.


As the first consumers of high-end health insurance in China, foreigners who work in various fields in China and their families, choose this service out of instinct due to the gap between China and their countries in terms of health care system, services provided, medical treatment level and hospital environment. Gradually, they have changed from“buying insurance in their own countries while enjoying services in China”to“buying insurance in China while enjoying services globally”.

The difficulty in picking out a good high-end health insurance does not lie in price , but in the comprehensive judgment on services provided. In other words, the core of a high-end health insurance is its service. Therefore, the decisive factors influencing the client’s choice are which agency has a more comprehensive health care network and a better medical service team, as well as which agency provides more professional and convenient services concerning medical consultation, appointment making and doctor-seeing accompanying, in addition to timely guidance on doctor-seeing. Over the past years, the health insurance market in Beijing has experienced rapid growth as more and more hospitals are paid directly from insurance companies, and the after-sales service of claim payment has gradually grown into maturity. As a result, many developing countries hope to buy high-end health insurance for their ambassadors and their families in China via“local purchase”. Currently, two African embassies have bought health insurance in our agency, and there are also some that we are negotiating with. As for ambassadors from developed countries, many of whom have bought global health insurance in their own countries, it is more convenient for them to buy health insurance locally in China in terms of practical operation, such as the medical procedures and the claim payment process.



After years of cooperating with insurance companies, the agency now partners with Ping An, MSH China, MetLife and AETNA among others in the field of health insurance. Ping An, the first joint-stock insurance company in China, has developed into an integrated financial services group engaged in insurance, banking, investment and other financial sectors. MSH China, the largest service provider of high-end health insurance management in the world, is leading the whole industry with 13 years of experience in China. Additionally, MetLife and AETNA are also among the top companies in the insurance industry.


For more information about the high-end health insurance, please call 64638483 or 64638402.


Contact

Beijing Yunchi International Consulting Co., Ltd.

Address: No.3, West 6th Street, Sanlitun, Chaoyang District, Beijing

Post code: 100027

Tel: 85321667; 85322135

Fax: 64662076

Language service center: 64662215; 85322306

International Center for culture and education: 64672806

Communication and consultation department: 85326716

General service department: 65321010

Insurance agency: 64638498

Administration and personnel department: 85321657

Finance department: 85324262