Corporate High-end Medical Insurance is employer-sponsored health insurance usually for management level staff and expatriates. It covers incurred eligible medical expenses and normally has rich benefits with very limited restrictions on hospitals, medication and countries.
Comparing with common health insurance in the market, the High-end Medical Insurance has broader coverage on VIP treatment, private hospitals, and at his own expense medicines. The benefit will not be subject to the limit of social insurance.
Comprehensive and rich benefits - High-end Medical Insurance has comprehensive coverage including outpatient, inpatient, health screening, dental, and maternity with very rich benefits.
The maximum benefit is from RMB 1 million to 20 million per insurance period per insured employee/dependant. The benefits go beyond the limitations of Social Medical Insurance. Insured employee/dependant can go to any provider for consultation and medical treatment.
If the insured employee/dependant goes to a doctor or hospital for consultation or treatment that has a direct billing arrangement with us, the employee simply needs to present their Cigna & CMB ID card before the treatment and complete the corresponding paperwork from the doctor. Cigna & CMB will settle the payment with the doctor or hospital directly.
Apart from comprehensive coverage for medical treatment, the high-end Medical Insurance also covers a certain level of wellness programs provided by service vendors of Cigna & CMB, including health and well-being assessment, health information and an education toolkit (e.g., newsletter, brochure, seminar) to improve the well-being of the insured employee/dependant.
Customer Service Hotline
A designated customer service hotline is available to respond to insured employee/dependant’s various inquiries from policy benefits, coverage, to information about a doctor or hospital, etc.
Key Talent Attraction and Retention – High-end Medical Insurance has already been part of the benefit plan for executives in multinationals and some leading domestic companies.
Insufficiency Coverage– Existing Social and Supplementary Medical Insurances have strict restrictions on benefits limits, area of coverage, drugs and type of inpatient room, etc.
Improve Productivity – Enhanced insured employee experience resulting from better coverage, access, and services.
Mid to high-level management
Outbound employees who are on assignment overseas – Access to global network of doctors and hospitals and medical evacuation.
Expatriate employees – Fulfil their treatment requests with their treatment habits
Any person working for a legal person organization registered in People’s Republic of China with ages between 16 and 80 and a member of staff nominated and sponsored by the employer working the minimum of 30 hours per week can be qualified as an insured person.
The number of the insured persons should take more than 75% (including 75%) of the policyholder’s total qualified members and cannot be less than 5 lives.
An insured person’s dependant who are in good health, including his or her spouse (of age of less than 80) and children (the insured person’s unmarried children, whose names have been provided to the company prior to the commencement of any treatment, but only if those persons are under age 25, either in full-time education or residing at the same residence as the insured person at the commencement of any treatment. ) can be qualified as the insured person’s dependant subject to the agreement of the company. The policyholder shall apply for coverage for all of them to the company.
Cigna is the largest provider of high-end group health benefits around the world, providing high-end group health benefits for almost half of Fortune 500 corporations. Most transparent and stable corporate structure in the high-end medical space in China: the only joint venture insurance company that combines the functions of issuing the policy and delivering the services, which can effectively minimize client’s concerns and uncertainties for managing underwriting, claim and service inconsistencies caused by a Third Party Administrator structure. Customers will enjoy: