With the same standard of excellent service as the Individual Private Medical Insurance policy, our Advance offering gives you the option of adding a co-insurance and reduces some of the policy benefits to provide a cheaper alternative for those who wish to protect the health of themselves and their families while controlling the level of premium.  The Advance product is built in the same way as the Individual Private Medical Insurance policy, with options of cover while some of the benefits available under each option are restricted in the Advance product.

Below you will find more information about our Advance product.  If you think this is an option for you, please call us on +(86)400 880 3633 and our team will be happy to talk you through the product, prepare a quotation for you and help you apply for cover.

What Is A Co-Insurance?

By having a co-insurance on the policy, we agree that you will pay a set percentage of the value of any claims under the policy.  A variety of co-insurance choices are available under the International Medical Insurance and International Medical Insurance Plus options of the Product.  These options are available in addition to a choice of deductibles.

International Medical Insurance Co-Insurance choices:

No co-insurance.
10% co-insurance with a 12,500 RMB out of pocket maximum.
10% co-insurance with a 31,500 RMB out of pocket maximum.
20% co-insurance with a 12,500 RMB out of pocket maximum.
20% co-insurance with a 31,500 RMB out of pocket maximum.

An out of pocket maximum is a cap on the amount of co-insurance you will pay in any one year of insurance.  So if you decide on, for example, a 10% co-insurance with a 12,500 RMB out of pocket maximum, you will pay the first 10% of every claim under the International Medical Co-Insurance option.  Once you have paid a total of 12,500 RMB in the year of insurance, all future claims in that policy year will be covered in full subject to the normal rules of the policy.

International Medical Insurance Co-Insurance Plus choices:

No co-insurance.
10% co-insurance.
20% co-insurance.

You will see that the choices for the International Medical Co-Insurance Plus option do not include an out of pocket maximum.  So if you choose, for example, a 10% co-insurance you will always pay the first 10% of any claim under the Plus benefits.

We appreciate the co-insurance can be confusing, which is why we ask you to contact our sales team for an Advance quotation so that they can clearly explain the policy and options to you.
 

Differences Between Benefits On Individual Private Medical Insurance and Advance

International Medical Insurance

Benefit

Individual Private Medical Insurance Limit

Advance Limit

Overall Maximum Benefit (per policy year)

20 Million RMB

9.5 Million RMB

Routine Maternity

90,000 RMB

Not Covered

Complicated Maternity

180,000 RMB

90,000 RMB

Homebirth

7,000 RMB

Not Covered

New Born Baby Cover

1 Million RMB

500,000 RMB

Congenital Conditions

250,000 RMB

125,000 RMB

Parent Accompanying Child

Paid In Full

6,300 RMB per night

Physiotherapy & Complimentary Therapies

Paid In Full

31,500 RMB

MRI, CT & PET scans

Paid In Full

63,000 RMB

Home Nursing

Paid In Full

31,500 RMB

Rehabilitation

Paid In Full

31,500 RMB

Hospice

Paid In Full

31,500 RMB

Psychiatric Care

Paid In Full

63,000 RMB

 

International Medical Insurance Plus

Benefit

Individual Private Medical Insurance Limit

Advance Limit

Overall Maximum Benefit (per policy year)

500,000 RMB

63,000 RMB

Drugs & Dressings

Paid In Full

12,500 RMB

Immunisations

10 named vaccines

8 named vaccines

 

International Health And Wellbeing

Benefit

Individual Private Medical Insurance Limit

Advance Limit

Routine Adult Physical Exam

3,000 RMB

1,600 RMB

Standard Health Screenings

Paid In Full

1,600 RMB

 

International Vision And Dental

Benefit

Individual Private Medical Insurance Limit

Advance Limit

Overall Dental Maximum Benefit (per policy year)

35,000 RMB

16,000 RMB

Preventative Dental Treatment

Paid In Full

1,250 RMB

Basic Dental Treatment

Paid In Full

80% Treatment Costs

Major Dental Treatment

Paid In Full

50% Treatment Costs

Eye Examinations

One Examination Paid In Full

One Examination To A Limit Of 1,250 RMB

Glasses & Lenses

2,000 RMB

Not Covered

 

International Emergency Evacuation

Benefit

Individual Private Medical Insurance Limit

Advance Limit

Overall Maximum Benefit (per policy year)

Paif In Full

1.6 Million RMB

 

 

 

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400 880 3633
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+86 400 880 3633

 
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