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Having Baby in China as Expat

Having Baby in China as Expat 150 150 China Access Team

Giving Birth in China as a Foreigner. Insurance vs Maternity Packages

This article will only cover health insurance plans that cover maternity benefits for giving birth in China as an expat, overview of those hospitals that are fitted to support giving birth as well as how all of it is different if you simply purchase a maternity package from a medical facility. 

Having baby in China as an Expat – First Steps

First of all, it worth mentioning that if you are looking for expat health insurance in China to cover medical expenses associated with giving birth, all of those should be purchased in advance. As of January 2020 there are no insurance plans in China that do not have waiting period, last option was MSH but they have cancelled that plan. Right now all of them will have a minimum waiting period of 6 months and a maximum of 12 months. Everything else not related to maternity is not subject to this waiting period so in case you get cough, cold or need some physiotherapy for instance, those shall be covered during first year regardless of waiting period for maternity benefits.

Waiting periods for maternity insurance plan in China

Pay attention to the wording of the waiting period under your insurance plan, in other words – exact definition. Most of those have general waiting period. Let’s take for example 12 months. That means a person can get pregnant before waiting period is gone but only those expenses that happen after 12 months will be covered. If you have such a plan then ideal scenario is to get pregnant towards the end of the first policy year so first ultrasounds and child delivery itself will be covered during the second year.

Some insurance companies have a “no pregnancy waiting period”, usually those that have a 6 months time restriction. That means that pregnancy should only occur after 6 months of waiting period is gone. Treating doctor will have to confirm on medical records when pregnancy first got diagnosed.

I am pregnant already, what are my options?

While getting health insurance to cover child birth in China is not an option any more, there are 2 options that are workable at this moment.

1 – get a medical insurance to cover medical expenses for anything not related to maternity. In most cases companies like Allianz and Now Health will even cover complications of pregnancy should anything go wrong during child delivery in China. This will also allow you to get your baby covered as soon as he/she is born. Refer to health insurance costs in China article to learn more what to expect when considering this.

2- get a maternity package from an international hospital in China. Whatever maternity package costs are, those are roughly 1:1 to carrying medical expenses out of pocket as you go. More on that below.

Maternity Packages from International Hospitals for Foreigners in China

If you happen to live in Tier 1 or Tier 2 city in China, there are some very good international OBGYN hospitals that explicitly deal with giving birth in China, foreigners can look into those as an option for having baby. Very often those have already pre set maternity packages that you can get once already pregnant. Keep in mind, it won’t cover complications should child for example be born pre mature or required to be put in ICU etc., this is what insurance is for. maternity package in most cases will still cover complication of birth related to mother which is still better than no cover at all. If you need help and discounts on arranging any of that please get in touch so we can help.

What hospital are suited for giving birth in China as an expat?

Jiahui International Hospital in Shanghai has already become one of the most popular international hospitals for foreigners in Shanghai. They do also have their own fertility clinic that offers maternity package that currently being sold for RMB 45,000 traditional delivery and RMB 70,000 for c-section. More on this on Jiahui Hospital Shanghai

American Sino Hospital in Shanghai is another very popular option for expats on giving birth in Shanghai. Compared to Jiahui Health, they have much more options available as the entity hospital is just focused on OBGYN treatments.

Giving Birth in China as Expat

Delivery packages are ranging between RMB 45,000 and 90,000 depending on how comprehensive you want it to be. They even have maternity packages just for pre or post natal only without child delivery, those are somewhere in the range of RMB 5,000 and RMB 20,000. They also partner with several smaller tier clinics such as Worldpath International Shanghai and help them with their clients, in particular with Worldpath you can still undergo pre natal checks at there location in Lujiazui but for giving birth (child delivery itself) they will arrange you to be sent to American Sino’s facility in Xuhui hospital. American Sino Shanghai and Worldpath International Shanghai

United Family Shanghai Hospital offers various maternity packages too. Just pre-natal will run you for RMB 28,000 only. Traditional (vaginal) child delivery will be RMB 59,000 while if you get this together with pre natal then total will be only RMB 82,000 per package. Going further for section+pre natal will be coming towards RMB 111,000 price tag. On top of those they do also sell pre-conception, early pregnancy check up as well as late stage prenatal check up for foreigners giving birth in Shanghai. United Family Shanghai (UFH Shanghai)

Ferguson Health Shanghai (previously known as Read Leaf Hospital) is ready to help expats and foreigners with child delivery regardless how complicated it can be. Dr Ferguson is ready to provide you not only with maternity packages that range somewhere between RMB 40,000 and RMB 120,000 but also teaching classes on various different topics you might be interested about giving birth in China for expats. At some point they even used to provide pre natal yoga classes for you to get familia with body movements and restrictions during pregnancy. Ferguson Health Shanghai

OASIS International Hospital Beijing. Giving birth in Beijing for expats, you definitely will come across this medical facility as it is one of the biggest and well equipped international hospitals in Beijing to assist you with having baby in China. Maternity packages range somewhere between RMB 45,000 and RMB 85,000 while there is whole bunch of other things available too such as pre natal packages on their own as well as pre conception check ups which are one of the most comprehensive in the city, below are details. OASIS Hospital Beijing

AmCare Hospital Beijing will be a slightly cheaper version of OASIS. They do have less maternity packages available but are still able to provide routine delivery and pre natal checks for around RMB 60,000. While for actual giving birth they will send you to a main hospital in Haidian district, regular ultrasounds and check ups can be arranged in any of the other 4 clinics across the city. AmCare Hospital Beijing

Beijing Antai Hospital. Those of us who are looking to have a water birth in Beijing have came across that medical facility on a number of forums. One of the very few places in capital that can arrange it and very reasonably priced for such services, will run you just a bit over RMB 35,000 for a package. Antai Hospital Beijing

Eden Hospital Beijing. Probably one of the biggest hospitals operating in downtown that are privately owned. Compared to regular players like OASIS or United Family they don’t employ as many foreign doctors but are still providing services to hundreds of foreigners in Beijing. Pre natal check ups and giving birth in Beijing with them will cost you around RMB 60,000. Eden Hospital Beijing 

Beijing United Family Hospital (BJU). When it comes to giving birth in China as an expat, United Family been on the market longest amongst other private medical facilities. Very similarly priced as Shanghai. Pre natal and regular giving birth in this hospital will cost you around RMB 83,000. Should you wish to switch to Caesarean section as a way to having a child then costs will be slightly above RMB 110,000 per package. United Family Beijing 

Raffles Medical is a huge chain of medical facilities across the entire Asia. In China they have hospitals and clinic in cities like Beijing, Shanghai, Nanjing, Chongqing, Tianjin, Chengdu and Shenzhen. While pre and post natal care will be available in all of them, only hospitals can help you with child delivery in China. Others will refer you to their partner local hospital which is still a good options because they will be the one arranging everything on your behalf. Raffles Medical China

Support from community when having a child in China

If you are particularly new to China and want to get some suggestion or hints from a fellow foreigners in the country regarding particular issues on giving birth in China then following links might be helpful. Major cities like Shanghai and Beijing have a relatively large expat communities where you can benefit from a local knowledge of a fellow expat. Shanghaimamas is one example of a community of local expatriate females sharing hints with each other on how to best handle their kids in the city. ShanghaiFamily is another great resource of getting best knowledge of the local life from expatriates in the city. Beijing-Kids will be a similar online source for getting information about having children in China as a foreigner in case you live in the capital. EasyExpat and ExpatArrivals are rather general forum based websites where expats and foreigners can ask questions to be answered by other expats, those are not limited to a particular city but rather cover China nationwide.

How can I cover for pre-existing medical conditions in China?

How can I cover for pre-existing medical conditions in China? 150 150 China Access Team

Pre-existing conditions and how insurance companies can cover them

One of the most confusing parts of expat health insurance in China is the section about pre-existing conditions. Most people are unsure what pre-existing conditions are or insurance companies wouldn’t cover them. We know how confusing it can be, but we break it down for you in this guide to help you understand health insurance for foreigners in China.

What are pre-existing conditions?

A pre-existing condition is a condition you’ve been treated for previously or a condition that already showed symptoms. It can be considered a pre-existing condition even if you did not know that you had it before you applied for the health insurance. Examples include an injury such as a torn ligament or an illness, such as an ongoing respiratory problem. Hereditary conditions such as diabetes can also be considered pre-existing. For most insurers, these conditions are a serious concern because insurance companies do not want to offer insurance for conditions they know exist and will create medical bills.

It can be frustrating for expats in China when you’re told a condition you’ve had coverage for over the years isn’t covered by a new plan. This doesn’t mean it’s impossible or even difficult to get health insurance with a pre-existing condition. There are plenty of options for health insurance for expats in China, you just have to work with an experienced and compassionate broker to find the right options.

What are my options?

Approximately 45% of the expats in China who need medical insurance have a pre-existing condition. This varies from minor conditions that have little to no impact on your daily life, to serious conditions such as type 2 diabetes or a serious heart problem.

There has been a large increase in the number of people with pre-existing conditions who need health insurance in China. Today’s lifestyle and diet choices have led to more serious health conditions in millions of people. There has also been a lot of progress in medical treatments, giving people with chronic health conditions longer lifespans, but larger medical bills.

The good news is, though, there is also an increasing number of options for medical insurance for expats in China, even those with pre-existing conditions.

We are here to help clients and their families with pre-existing conditions get covered. How? Through our experience, knowledge, and ability to go the extra mile, we help expats in China get the coverage they need.

What are an insurer’s options when taking on a new client with a pre-existing condition?

When looking for expat health insurance in China, an insurance company will first look at the client’s medical records. Depending on what they see, they may require check-ups to accurately assess your condition*. Once they have results, providers have a few options:

*usually the one done in the past 12 months. On rare occasions insurance companies request one done in the past 6 months.

  • You could be given full health coverage including any pre-existing. This means no exclusions* on your policy or any premium loading. This only applies to several major international insurance providers and for clients with minor pre-existing conditions.

*Exclusions refer to disclosed medical conditions not covered under the plan.

  • You could be given health coverage that includes the pre-existing conditions but with premium loading* applied. Again, most international companies will offer this if there is clear proof the condition is well-managed over the last one or two years.

*Premium loading refers to a certain percentage by which standard rates for insurance plans increase. Often this applies to minor chronic conditions with some companies too, for example back pain or asthma, several companies can agree to cover it for 10-15% loading. 

  • You could be given coverage for the pre-existing conditions, but the insurer may apply a moratorium period. This means the insurer agrees to review the conditions in 24 months. In that time, if you can provide clear proof that the condition is fully cured and no medical attention was required, the insurance company will re-assess your policy. They might provide coverage for the pre-existing condition, however, there is usually a 24-month waiting period.

*No cover available until moratorium period is gone. 

  • The insurance company could provide you with limited health coverage. Currently, this only applies to two companies on an individual and family basis. Those two are well known to provide coverage for non-catastrophic pre-existing conditions. Usually, during the first year, this includes coverage between RMB 3,000 and RMB 10,000. On each renewal, the limit increases 50%. Starting with the fourth year, the insurance company may agree to cover pre-existing conditions in full if they are managed well. In our experience, those two companies cover most situations. Examples include chronic back pain from sitting in office chairs to serious mental health conditions.

Remember, if you have an exclusion plan on your health insurance in China, any related conditions will be excluded too. For example, if you have a previous asthma diagnosis, any connected conditions won’t be covered.

The last option became one of the most popular in our experience as those companies cover most day to day chronic conditions. RMB 8,000 will not be enough should a person have complications after hip replacement, but will serve just fine for most people doing refills of their anxiety medications, occasional physiotherapy sessions on lower back, or even simple consultations + 90 days refill for diabetes medications.

One common question we hear from expats in China is, “Can I get coverage for more than RMB 10,000? I am afraid that if there is a complication during the first or second year, the RMB 6,000 might not be enough to cover it.” The answer: It’s possible, but it depends on how well the condition was managed. Insurance companies will review your medical records regarding the condition or require a check-up to assess the situation. We also push them to make the best decision for you.

As you age, it’s likely you’ll suffer from chronic health conditions as well as those tied to your lifestyle. It’s important to have health insurance in China BEFORE any conditions develop. If you wait until you experience a condition, you may lose your chance at full coverage.

Many of the top health insurers have various standards of coverage for some of the more serious conditions such as diabetes, heart attacks, and certain forms of cancer. Each case is assessed individually, and the amount of coverage offered varies from person to person. Insurance companies evaluate how long it’s been since your condition required treatment, along with your overall health and lifestyle to determine your likelihood of future claims.

Get in touch so we can try to help you get those covered

All in One Guide for Buying Expat Health Insurance in China

All in One Guide for Buying Expat Health Insurance in China 150 150 China Access Team

All you need to know when buying expat health insurance in China

Are you looking for expat health insurance in China? We are a China based insurance broker with main aim to help foreigners and international Chinese to source, purchase and utilize health insurance plans in the country.

Types of expat medical insurance plans in China

Most medical insurance plans can be broken down into the following three categories:

Category 1: Core Benefits (inpatient only coverage) – this category covers only hospitalizations (overnight stays and longer), ambulatory care, evacuations, serious conditions and emergencies that will require you to spend at least one night in a hospital.

Category 2: Core Benefits + Outpatient Benefits – this category includes core coverage plus coverage for clinic doctor visits, prescription drugs, MRI’s, X-rays, day surgery, physiotherapy, chiropractic care, and other same-day doctor visits.

Category 3: Core Benefits + Outpatient Benefits + Premium (Optional) Benefits – this category includes all of the above + optional extras such as dental care (routine, complex and orthodontics), annual wellness check ups, vision care (glasses, eye checks), and maternity (natural birth, C-sections, and complications of pregnancy).

As a summary

Inpatient Benefits = Hospitalization

Outpatient = Clinic doctor visits

Premium/Optional Benefits = Dental, vision, and maternity

Each insurance company has different terms and conditions, but in general, here are the benefits offered for each category to use as a guide for expat health insurance in China.

Inpatient Benefits: These benefits are for overnight hospital stays whether one day or several days and includes coverage for invasive surgeries, serious accidents or chronic medical conditions. Inpatient coverage is a crucial component of any policy because the financial risk to you is very high.

Outpatient Benefits: These benefits cover visits outside of the hospital such as a doctor’s appointment, prescription drugs, physiotherapy, and minor day case surgeries (such as a small surgery for a broken arm). Outpatient services don’t cost as much as inpatient, but with enough visits, they can break the bank, which is why many expats in China carry outpatient benefits too.

Premium/Optional Benefits: These benefits are optional and are considered upgrades to inpatient or outpatient coverage. The benefits may include dental, vision, or wellness treatment and are a nice add-on to give you peace of mind whenever you need medical attention.

Maternity coverage is probably the most valuable of the premium benefits since many of the international maternity facilities like United Family Hospitals, Sino American, Parkway, OASIS will be charging around of RMB 80-90,000 for a routine birth, and more than RMB 100,000 for C-section delivery. The coverage may also help with any complications at birth. It’s important to note that you must purchase maternity cover BEFORE you become pregnant. There is always a waiting period before maternity benefits begin, which is 6-12 months.

What level of insurance do foreigners usually buy in China?

 

What level of expat health insurance do foreigners buy in China?

Most expats in China (more than 77%) prefer a minimum level of health insurance cover at Category 2, which includes outpatient clinical doctor visits benefits. We’ve found that a smaller percentage (only 23%) of expats in China prefer Category 1 or hospitalization major medical insurance.

There is always a higher chance you will need to visit a doctor and get prescription drugs for a quick outpatient visit such as for a cough, cold, or skin rash rather than undergo inpatient surgery where you’ll be hospitalized for a few days or weeks.

Many people don’t realize that concerns such as a broken arm or leg are outpatient care in 95% of the cases. You visit the hospital, get an X-ray, get treated and go home. Only about 5% of cases have to spend the night in the hospital. This is why most expats select Category 2 benefits at a minimum.

If I buy health insurance, which hospitals and clinics can I go to with my insurance plan?  Can I go to the expensive private hospitals?

Yes, you can go to ALL of them, but there are exceptions. You can have your plan adjusted to exclude certain higher cost medical facilities. If you exclude them, you may lower your premium because the insurance company won’t have to pay out the higher fees for the benefits at these facilities.

Another consideration when buying medical insurance in China is whether or not you want access to high-cost providers. As mentioned above, if you choose to limit access to certain hospitals and clinics which cost more you can drastically reduce your insurance premiums. But how popular is this option?

hospital cover in China for expats

At China Access Health, we understand the importance of having access to the best facilities in China. We will review your policy with you and discuss your options for various medical facilities helping you choose the plan that provides the benefits you need at the prices you budgeted in mind.

Private hospitals in China are so expensive, which makes health insurance premiums expensive – are there any cheaper options?

We know how costly health insurance in China can be, so we work with you showing you all options to lower your health insurance premiums. We’ll focus on the high-cost medical facilities you won’t use and exclude them from your plan if needed. We can also discuss adding co-pays to your plan to lower your risk and therefore your premium.

Are deductibles and excess good for lowering premiums?

Given the popularity of high-cost provider co-payments, most people assume other co-payment and deductible options are popular too. This isn’t the case as only 3% of our clients choose plans with other co-payments or deductibles.

*Copayments refer to a certain % of the bill which members must cover themselves. For example, there are many options that provide full coverage for inpatient care but only 80% for outpatient care. For every outpatient bill a member has, they will pay 20% out of pocket.

**Deductibles and Excess in China are a fixed dollar amount members must pay before the insurance provider covers anything. For example, if a plan has a general RMB 10,000 deductible, the first RMB 10,000 of medical expenses are the member’s responsibility. The insurance company won’t cover anything until you pay your deductible. Deductibles and excess are on a yearly basis and usually per each insured person.

*** Certain companies have deductibles that can be applied to each outpatient visit. For example, Allianz has options for RMB 200 and RMB 400. This means every outpatient visit you must pay the specific deductible and then Allianz will cover the rest. These plans aren’t as popular because the savings aren’t very high.

Which medical insurance plans are best in China?

We have scored the companies for major health insurance in China based on four factors: value over price, coverage, brand name and service.

Expat Health Insurance in China Rating of Companies

The best three medical insurance plans are from

  1. Allianz Care
  2. Now Health
  3. Aetna

These are the three most popular choices among the clients we work with.

Over 60% of foreigners we meet choose one of those three insurance companies. There are exceptions, particularly if you want maternity coverage, need coverage for pre-existing medical conditions, or need worldwide coverage, which includes the United States. If we include MSH along with the other three companies, the percentage of our clients using the four firms would be close to 75%.

How to Choose Between the 5 Most Popular Insurance Companies?

Executive Summary

Allianz is best for young families, people looking for high service levels, families from overseas and elders.

Now Health offers the most comprehensive benefits at the lowest price. Their therapy limits are one of the highest on the market and their maternity (pregnancy) plans provide the most value for money with automatic insurance* for kids.

*Refers to coverage of children regardless of their medical conditions at birth. Only very few providers can cover congenital conditions, premature birth or other serious pregnancy complications.

GBG is great for US nationals who need cost-effective insurance that offers coverage in the US as well as those with pre-existing medical conditions as they do cover most of them.

ICBC AXA offers one the best value for the money for people looking for peace of mind and coverage only in China.

Aetna offers plans similar to ICBC AXA but with “Western approach” to treating clients.

MSH is one of the best direct billings* networks in China. They offer great maternity plans with automatic insurance for kids as well as many no critical pre-existing medical conditions plans.

*Direct billing refers to cashless payment where the insurance provider settles the bill without your participation. Usually, it only requires you to present your medical card upon admission to outpatient care.

Here are the pros and cons for the major medical plans for expats in China.

Allianz

Allianz is of the most reputable and oldest insurers in the world. They offer the fastest claims turnaround as well as adjustable plans in terms of deductibles. Allianz is also one of the very few companies that has benefits for none-prescribed physiotherapy. Their dental plan is one of the best on the market, with an RMB 15k limit per policy year. They are also very price-stable, with an average premium increase of around 6% over the past 7 years. Allianz plans are portable* to any country except the US, Germany, and Switzerland. The company has a mobile app and portal for managing your policy.

*Portability refers to insurance provider’s capability to transfer your plan overseas. This provides continuation of coverage, so if you get a plan from Allianz in China and in few years relocate to Singapore, they will be able to switch you to a new plan without cancelling your current plan. This ensures all pre-existing conditions continue to be covered.

There are two downsides to consider too. Wellness checkups as an optional upgrade don’t make sense if you’re over 43-years old. Adding an RMB 6k wellness limit will increase your premium by RMB 5k. Also, Allianz is one of the most expensive providers.

Now Health

Now Health is not one of the traditional powerhouses, which discourages some people. However, their coverage is excellent. If you are more concerned about coverage for therapies, such as regular physio sessions for your lower back, consultation with a psychiatrist, or even alternative therapy sessions, Now Health has one of the highest limits for you and your family.

The outpatient coverage is also up to RMB 22-28 million, which is one of the highest in the market. If you or your kids needs orthodontic care, Now Health is one of the top picks along with Allianz due to the high benefit limits on dental care. The company offers many plan adjustments, with deductibles and co-payments. Their plans are also portable to any country except the US, Germany, and Switzerland. The company has a mobile app and portal for managing your policy.

The downside to consider is that they price based on age groups. If you turn 45 or 50 this year, you are in a higher age band and your premium increase might be quite hefty, around 13%-16%. They also have one of the largest high-cost provider lists on the market. Places like Sino United or Global Health Care in Shanghai and OASIS in Beijing are high cost for them while not for many others.

Aetna

The Aetna Comprehensive plan is one of the best value-for-money options available. It includes dental and wellness benefits without the need to pay extra, while costing the same as competitors who do not offer that option.

Aetna has one of the largest hospital networks worldwide (in the US they use the Aetna US network). Price increases have been very stable too. For example, in 2020-2021, their premium increase was one of the lowest in the market at around only 1.5%. They have a very user-friendly online portal, as well as one of the best direct billing networks in China.

There is a downside, though. Although Aetna is a global company, their plans are not portable to any country. Once you relocate out of China, you will have to apply for a new plan as a new member. The plan is also quite expensive for single-parent families as they are priced the same as a two-parent family.

ICBC AXA

ICBC AXA has similar plans to Aetna and offers a good value for the money. The company provides vaccination benefits for kids by default under its comprehensive plan, with no need to pay extra.

On the downside, their plans are focused on China, with no network of hospitals outside the Greater China region. They offer no portal or app for managing the policy, other than an official account on WeChat. As the mobile features are designed for Chinese users, complications can arise with even simple things such as entering Western names into the system.

MSH

MSH’s China Expat Insurance (CEI) plan was launched at the end of 2020 and has already become one of the most cost-effective solutions for outpatient coverage due to its pricing.

MSH does not sell this particular plan to local clients, focusing exclusively on the expat market. The MSH Premier plan is one of the best solutions if you plan to start a family and need protection for your child from Day 1 without any medical underwriting. This plan is also one of the very few policies on the market if you are looking for coverage for pre-existing conditions. MSH offers both a mobile app and portal, as well as an excellent direct billing network both in and outside of China. Plans are also very price-stable, as the company tends to keep your premium at the same level as the preceding year if you meet the requirement of “low claims” (usually less than 20% of the policy premium).

On the downside, the CEI plan does not provide any mental health benefits. These benefits are only available with one of the upper-tier plans, such as Advance or Premier. All plans also have a sub-limit for physio sessions starting at RMB 1,200 per visit, which won’t be enough for several private facilities such as Parkway where one physio session is priced at RMB 1,400 and above.

Many people don’t realize that your satisfaction with a healthcare plan is highly dependent on the quality of the insurance company’s services. Your family can have a great plan, but if there are always problems using the insurance, or claims are paid incorrectly, it can be problematic.

The information below will teach you about the various price vs. service trade-offs. We will explain which health insurance companies in China offer good value and which you should avoid.

What are the most important services for a family insurance plan?

Before we compare service levels among insurance companies in China, you need to know which metrics we considered. There are hundreds of ways to measure service levels. However, we find that the most common and important areas which need to work well are:

  1. Hotline Service
  2. Claim Process
  3. Direct Billing
  4. Dispute Resolution
What companies offer best expat health insurance in China?

Dispute Resolution

Even with the best insurer, sometimes things go wrong. But if you are with the right insurer and broker, any issues or errors can usually be resolved very quickly and avoided in the future. The ability to resolve problems when they arise is possibly the most important thing we look at when advising on insurance plans for our clients. You want your long-term insurance partner to be accommodating and understanding, not belligerent and inflexible.

As an example, ICBC AXA and GBG are exceptional at resolving issues or disputes. Their attitude towards our clients and us has been very positive and cooperative. This is partly owing to our close relationship with their senior management.

Hotline Quality

The first port of call for most people when interacting with their insurance company is either calling the 24/7 hotline or emailing their service team. You might need to check if a particular treatment or clinic is covered under your plan or follow up a claim. Either way, the hotline is essential. A good hotline will understand what you want, provide helpful information, and resolve your query fast. If a hotline doesn’t function correctly, simple tasks can become unnecessarily complex.

Bupa has the highest quality hotline, and this applies worldwide. Even if you are in a foreign country and need help in the middle of the night, Bupa’s concierge service will connect you with local network contacts to guide you through any issues.

Direct Billing

Direct billing refers to cashless services at network hospitals and clinics. Put another way, it is when you get treatment at a medical provider within the insurance company’s network, and you don’t have to pay anything — they simply bill the insurer.

This is one of the most critical services an insurer can give, and it comes standard with most insurance plans in China. It means you can avoid applying for those pesky claims reimbursements which involve a lot of paperwork. Just make sure you and your family bring your medical cards when getting medical care, to ensure that the direct billing takes place.

When examining if an insurance company’s direct billing services are good or not, there are two criteria:

  1. Is the hospital network large and does it include the hospitals or clinics you’ll use?
  2. Are there any coverage benefits which are not included in their direct billing services, such as dental or annual wellness check-ups? This is important as many insurance providers have different direct billing lists for different types of treatment. While you will find that some companies have over 45 medical facilities in Beijing for outpatient cashless services, in many cases their lists for dental care will be much less extensive. If a clinic accepts direct billing for outpatient care, that doesn’t often mean that they’ll accept the same for dental care, even if their dental department is right next door.

Making a Claim

If you find yourself outside of the insurance company’s hospital network, or direct billing isn’t provided for that type of treatment, you must pay first and then make a claim for reimbursement. Making a claim is everyone’s least favorite part of using medical insurance. Some companies pay their claims fast and proactively help you make a successful claim, while others can take weeks to process a claim only to come back and tell you that you’re missing some information, or they reject the claim without clearly explaining why.

Allianz has by far the fastest claim turnaround time of any insurance company on the market – over 95% of claims are paid within 48 business hours.

Most insurance companies support online submission of claims. Allianz, MSH, Aetna, and Now Health have online portals where claims can be submitted. However, ICBC AXA, PingAn, AXA TianPing, and GBG only have this function through their WeChat official accounts. Some companies like Allianz, Now Health, and MSH even have apps for both IOS and Android.

Overseas Service Standards

Another thing to consider is whether or not you will need to use insurance or have coverage for when you are outside of China, for example on holiday, business travel, or back in your home country.

Different insurers have vastly different service standards when using insurance overseas. A good example would be ICBC AXA. They provide a solid service proposition in China; however, using their insurance outside of China can be difficult. In contrast, higher-cost insurers who are more international, such as Allianz and Bupa, provide great service both within and outside of China.

What companies are best for expat health insurance in China to use overseas?

Let’s look at these service elements in more detail.

Strength of the insurer’s overseas hospital network

No matter where you and your family are in the world, your insurance company should be able to arrange a direct settlement with a hospital in the event you need inpatient treatment or need to be hospitalized.

Some insurers will even be able to offer direct billing for outpatient treatment in many countries throughout the world. This isn’t the case for all insurance companies, so if you do not want to be responsible or large amounts of out-of-pocket expenses, ensure your insurance plan work well overseas.

Can You claim documents written in other languages?

You may not think about needing coverage in other countries, but if you travel, it’s an important aspect when looking at health insurance in China.

Imagine this: You go on holiday to France, and while there you trip and break your arm. You go to the emergency room, get treated, and pay for the treatment. However, when submitting your claim to the insurance company, instead of processing it as normal, they ask you to arrange for it to be translated before they’ll examine the claim. In addition to being a huge annoyance, this will also cost you money.

The moral of the story is: If you spend significant time outside of China, particularly as a family, ensure your insurance plan will work well overseas.

Ability to Advise You When Seeking Treatment Overseas

Bupa has an international concierge service designed to help you when you travel. One of our clients, while travelling in Vienna, had a pregnancy-related emergency in the middle of the night. They called the Bupa concierge hotline for emergency assistance, who transferred them to their European call center, who directed them to the appropriate maternity hospital and even managed to arrange direct payment for the treatment on short notice. Wow! Very few insurance companies have this high level of service.

Value Added Services

Basic service levels aside, the ultimate insurance company comparison wouldn’t be complete without information on each insurance company’s value-added services. These services can be very important to people who are older and nearing retirement, or who are long-term expats in China who may in the future move to other countries.

Lifetime Renewability

For anyone nearing retirement, one important consideration is whether the insurance company offers lifetime renewability. Some plans do not allow people above the age of 65 to renew their insurance. A good rule of thumb is if you’re 60 years old, you shouldn’t buy a plan which doesn’t offer lifetime renewability.

The below insurance companies offer lifetime renewability:

  1. Allianz
  2. Bupa
  3. Now Health
  4. Aetna
  5. AXA Tianping
  6. GBG (if enrollment was before the age of 60)
  7. MSH (if enrollment was before the age of 60 or 64, depending on the plan)

Portability

Portability refers to the ability to take your insurance plan with you when you move to another country – or to have the option of moving on to an alternative plan suitable for the new country without having to go through the underwriting process again.

This is very important if you are a long-term expat. As you age, you’re likely to experience more medical conditions and illnesses. You don’t want them to become pre-existing conditions on your new plan, as this may prevent you from getting coverage for them or result in coverage denial.

Having an insurance plan with portability will ensure you can keep your coverage as you age and move around the world with your family. The below insurers have some level of portability on their China insurance plans:

  1. Allianz
  2. Bupa
  3. Now Health
  4. GBG
  5. AXA Tianping (limited to certain countries)

What About local Chinese insurance companies?

You may have noticed that except for Ping An Health we haven’t mentioned any other local insurance companies such as China Life, Zhong’an, PICC, etc., or other foreign-branded insurance companies such as Citic Prudential and AIA.

We have good reason. Some local and foreign-branded medical insurance plans don’t offer true insurance coverage. They have no qualms about not allowing you to renew your insurance if you get cancer or submit substantial claims. They have been known to cancel the contract or product to avoid payouts.

Can you imagine being diagnosed with cancer and the insurance company not allowing you to renew the plan, so they can avoid paying for it? We have had individuals come to us with these scenarios.

If a plan is very cheap, it is cheap for a reason. If it’s too good to be true, then there’s usually a catch that you can’t see. This is another reason why having an experienced, reputable broker is essential.

We can’t stress enough: DO NOT buy a plan simply because it’s the cheapest without checking the company’s history and reputation. Health insurance for expats in China is a wide topic to cover by yourself, get in touch so we can help find what’s the right plan for your situation.

How much does health insurance for expats cost in China?

How much does health insurance for expats cost in China? 150 150 China Access Team

How much does expat health insurance in China cost?

Average costs for a medical insurance in China for foreigners covering both in&outpatient benefits will be RMB 37,219 per year*. 

  • the above is average costs for a plan covering Worldwide excluding USA for a 40 years old person

Premium range in the country is devastating, as an expat living in China you can get a health insurance plan with low limits for less than RMB 2,000, while more premium insurance companies like Bupa can easily charge you over RMB 100,000. Lower premium always refers to less coverage, in many cases copayments from your side as well as a large list of exclusions*.

There are other factors that determine the costs as well. Your age, access to foreign and international doctors throughout the country, deductibles (if any), and in rare occasions the city where you live in China. In addition to these factors, pre existing medical conditions are also reviewed on a case by case basis, and may or may not be covered under the plan depending on the insurance company and their standards of underwriting. Let’s dive into the details. 

*No matter how expensive your policy is, every insurance company has its own exclusion list, things they won’t cover under any circumstances. While most things are common among all companies, some for instance will not cover sleep treatments related to apnea, or durable medical equipment such as crunches or wheelchairs. Always refer to the policy wording for the exact list of exclusions.

Inpatient – Core cover

The base package for any medical insurance plan is inpatient cover, sometimes referred to as core benefits. The core plan is designed to cover the cost of an emergency or planned stay in a hospital where a person is hospitalized and spends at least one night. For example planned medically necessary surgery, or a large accident or medical emergency which requires hospitalization. The average cost for a 40 years old person looking to get this type of health insurance plan in China is around RMB 13,287 per annum. 

About half of insurance companies in China offer deductibles* only for inpatient care, which helps to reduce the costs of the core plan by 30-50%. In our experience, the most suitable option is to have a deductible of around RMB 10,000-15,000 which will save you roughly 25-30%* Any deductible above this amount will not reduce the premium by the same percentage, meaning there is diminishing returns on paying more out of pocket relative to the lower premium you pay for the plan

*Deductibles, sometimes also referred as excess, is a fixed amount that the policyholder must pay out of pocket first, before the insurance company begins covering any bills. For example, a RMB 10,000 deductible means the policyholder must pay 10,000 RMB out of pocket before the insurance company begins covering treatment. The deductible is set per year, meaning that each year the deductible will return to the selected amount.

Outpatient Benefits

Outpatient is the second kind of package for a medical insurance plan. Adding outpatient benefits such as clinical doctor visits, prescriptions and therapies will increase the costs by RMB 13,432 for a 40 years old person. For example coughs and colds, minor scrapes, broken limbs, orthopaedic consultations and literally anything that doesn’t require a person to spend a night in the hospital (be hospitalized).

Outpatient is where insurance companies reimburse the most. A person can be insured for 5 years and never be admitted to a hospital (inpatient care) and thus not have a single inpatient bill under the plan, but can easily have 3-4  outpatient doctor visits each year. This is related to lower back pain, skin rash, or a simple cold during the winter season. 

Most expats in China, over 76% based on our research, have a medical plan that covers both in&outpatient benefits. 

Having deductibles for outpatient care is much less of an attractive solution in our experience. People who tend to visit doctors more than 2-3 times throughout the year in the vast majority of cases prefer plans that are fully covering this part. The discount on adding deductibles to the outpatient part of a package can be anywhere from 1%-4%, which pales in comparison to the cost of a single outpatient visit.

Dental

Not all companies offer a dental package, and it cannot be purchased separately. As a foreigner in China you have the option to add dental coverage to your plan. A dental plan that covers RMB 6,000 in benefits will increase your premium by approximately RMB 3,000 to 3,500. This is enough for an annual teeth cleaning and maybe one or two other visits if you live in a Tier 1 city in China. For kids, the premium surcharge on dental benefits is often lower. Several insurance companies also do not provide preventative dental benefits for minors. Please get in touch with us here for more information about which companies offer which dental benefits.

For those looking to cover braces, implants and orthodontic treatment, there are only a few companies that offer high enough limits to cover these kinds of treatment. Allianz, Now Health and Bupa each provide more than RMB 15,000 dental benefits per year. Adding a dental package to their plan will increase the premium by approximately RMB 6,000-7,000

Wellness

Wellness covers annual medical checkups, vaccines or tests which are not medically necessary. To make it simple, wellness covers preventative tests and treatment, which are otherwise not covered under any plan. For example if you need a COVID test for travel, or a flu shot during winter season for your kids. 

Most insurance companies in China view wellness benefits as a strict liability which is why costs to cover Wellness are quite high. Some companies will allow you to add RMB 3,000 of Wellness coverage to their plan, but will charge RMB 2,600-2,700 for this benefit. Some companies like Aenta and ICBC AXA will add wellness into their plans at no extra costs to be more competitive on price. Please speak with us here so we can share with you the companies that offer the best wellness packages.

How can plans be tailored to reduce the costs? 

Some policies will allow you to remove dental and wellness benefits to lower the price of the plan. You can also restrict coverage at luxury hospitals (often referred as high cost providers) and clinics, or reduce the geographic area of cover of your plan (for example, changing the area of cover from Worldwide Excluding US to Mainland China). Quite often plans covering China only can still cover you overseas for emergency & inpatient situations, very similar to travel insurance. 

  • excluding high cost providers (luxury hospitals and clinic) from cover typically reduces premium by 25-30%
  • reducing the area of coverage to China only compared to Worldwide excluding the US in most cases will save you 5-8% of the premium. However, certain companies such as ICBC AXA and Aetna will provide a greater discount of around 18-20%

Does it matter where I live in China? 

Only a few companies factor in the primary city of residence into the cost of your plan. Recently there has been a launch of a few plans offering around 10% discount for members who live outside of Tier 1 cities (Shanghai, Beijing, Guangzhou and Shenzhen). That usually means that 80% or more of the medical expenses under the plan should come from places other than Tier 1 cities. If you live in Ningbo but travel to Shanghai for your medical care, this kind of discount is not an option.

Hospitals for Expats in China

Hospitals for Expats in China 150 150 China Access Team

Foreign and English speaking doctors in China

Looking for the best hospitals for expats and foreigners in China? You are at the right place.

Foreigners and Expats in China can choose from four different types of medical facilities. Public hospitals, also known as government-run, are the most widely available and affordable option, while their VIP and International wards polish the experience with somewhat basic Lebel of English service. However at this article we are going to check what are the international level privately owned medical facilities in some of the largest cities in the country.

*list does not reflect all international and private run hospitals but probably the most popular ones in our experience. Based on our research, 81% of foreigner do get treatments in one of the following options.

**below list does not constitute to a medical advice but rather our reflection of the market on what clinics and hospitals are popular among foreigners in China

  • Shanghai Hospital for Foreigners

    Jiahui is one of the most aggressive facilities on marketing, you probably come across their advertising on every expat related magazine or website. Are they good? Yes. Collaborating with Massachusetts general hospital, a lot of their staff are trained overseas and there is always an English speaking GP during night time, in most cases it is a foreign doctor. Hospital down in Gubei area is open 24/7 and is so far the only private place that managed to get approval and license on performing covid shots. Guangxi in the government pays out 🙂 

    They also have a clinic and a medical center in downtown and a bit further note respectively. 

    • 全康医疗(浦西) Global Healthcare (Puxi) 南京西路1788号国际中心303室 Eco City, Suite 303,1788 Nan Jing West Road, Jingan District Tel:86 21 5298 6339 24-hr Emergency: 86 136 8188 8833 www.ghcchina.com

    Japanese style clinic with two locations in both financial centers (Jingan and Lujiazui). 

    • 上海汇星金浦门诊部 ParkwayHealth Shanghai JinMao Tower Medical Clinic 世纪大道88号金茂大厦裙房1N01(B) 1F, Jin Mao Tower J-LIFE Building, 88 Century Avenue, Shanghai Pudong Tel: 400 819 6622 www.parkwayhealth.cn

    One of the oldest chains of medical facilities in Shanghai out of Singapore. At present they have 6 clinics all around Shanghai. 

    • 上海盛和康复波特曼门诊部 Sino-United Health Portman Clinic 上海南京西路1376号上海商城601室 Suite 601, Shanghai Center 1376 Nanjing Rd (W) Tel:86 21 6279 8920 www.sinounitedhealth.com

    This is probably 2nd most active chain of medical facilities on marketing side after Jiahui. They recently even partnered with a couple of gyms in Shanghai to refer their members for annual medical check ups. Several locations conveniently located in both downtown and Pudong. 

    • 上海百诺门诊部 Columbia Clinic Shanghai 上海市静安区南京西路1468号中欣大厦2505室 2505, United Palza, No 1468 West Nanjing Rd, Shanghai Tel:86 21 6327 5599 https://www.columbia-china.com/en/

    Main clinic the one above however they do have a couple of more locations across the town including Orthopedics hospital. Clinic supports direct billing with pretty much all local and international insurance companies, however other locations and a hospital not yet as they are pretty new to this world. Some of the most cost effective wellness packages can be found here. 

    • 上海德达德西门诊部 ShangHai DeltaWest Clinic 长宁区延安西路2558号8幢B栋4层西,5层 Building B-5F, 2558 West Yan’ an Road Tel:86 21 22139777 www.deltahealth.com.cn

    They also have a fully operating hospital a bit further out of downtown as well as new clinic is opening up in Gubei area. First two are all set up for direct Billings with most health insurance companies, might take a couple of months for the last one to get this in place too. 

    • 上海优仕美地医疗 Yosemite Shanghai Hospital and Clinic上海市浦东新区芳甸路1398号B1-1F(Plus乐坊下沉式广场)B1-1F,No.1398 Fangdian Road, Pudong District. Tel:400 850 0911 www.yosemiteclinic.com

    One of the most comprehensive and as a result most expensive check ups in the town. RMB 20k is not a top one, there is always room to add few more scans and get price to RMB 30k+. Clinic is conveniently located next to Kerry Center while Yosemite Hopital is also known as “the only private hospital within inner ring”, which is true. All others are between Inner and Middle rings. 

    • 上海和睦家医院 Shanghai United Family Hospital (SHU) 上海和睦家医院  上海市长宁区平塘路699号 699 Pingtang Road, Changning District, Shanghai Appointment center 400 639 3900 24/7 ER 021- 2216 3999 www.ufh.com.cn

    United Family has been the most expensive medical facility in the whole China for decades (excluding Hong Kong). Starting from this year their Shanghai locations are going through restructuring on pricing and have already been un-labeled as high cost providers for several insurance companies. That means you can enjoy discounts on most insurance plans by excluding luxury facilities from coverage as United Family Shanghai is no longer that type of place for some. There are 4 more locations of that chain throughout the city. 

    • 上海禾新医院西医部 Shanghai Landseed Hospital (Western Medical Center) 徐汇区钦江路102号 102 Qin Jiang Road, Xu-Hui District Tel:86 21 6195 7896 www.landseedhospital.com.cn

    We hear often that Shanghai property price skyrocketed after guys from Wenzhou and Taiwan started buying apartments in bulk decades ago, and yes – Taiwanese have their own hospital in Shanghai too. This is one of the most cost effective solutions for regular outpatient visits. 

    • 上海申德医院 Shanghai Sun-Tec Medical Center 上海市长宁区虹桥路2281号3楼 3rd Floor, 2281 Hong Qiao Road, Changning District, Shanghai Tel: 86 21 6269 9995 www.suntecmedicalcenter.com
  • Beijing Hospital for Foreigners

    • 北京和睦家医院 Beijing United Family Hospital 北京市朝阳区将台路2号 #2 Jiang Tai Road, Chaoyang District, 100016 Beijing, China Tel:+86 10 59277000 24Hr Emergency Hotline: +86 10 59277120 24hr Service Center: 4008-919191 https://beijing.ufh.com.cn/

     This is on of the most equipped privately owned medical facilities in Beijing. They do have several emergency rooms (ER) so night time cases can be handled well too. Bare in mind that it is also one of the most expensive hospitals in the country and a lot of insurance plans have copayments for coverage here. Direct billing sometimes not available for check ups, dental and physiotherapies with few companies. Except hospital they have several more clinics around the town (which usually close around 6-7pm) as well as an Oncology Center.

    • 北京维世达诊所 Beijing Vista Clinic 光华路1号北京嘉里中心三楼 3/F, Kerry Center, Guang Hua Road, Chaoyang District Tel:86 10 8529 6618 www.vista-china.net

    Located in the heart of the city, Vista clinic might be a good option for general outpatient visits, see a pediatrician or consider some dental care done. 

    • 北京港澳国际医务诊所 Hong Kong International Medical Clinic Beijing 朝阳门北大街2号港澳中心办公楼9楼 9/F Office Tower, Hong Kong Macau Center, 2 Chao Yang Men Bei Da Jei Road Tel:86 10 8541 2788 www.hkclinic.com

    Outpatient services are available daily 9am to 9pm. As the name suggests, quite a few doctors there are from Hong Kong, while most also have lived or been studying/working/been trained in Hong Kong. 

    Another international hospital that is open 24/7 and that can handle most type of traumas even during night time. Also very popular solution for foreigners planning to start or expand a family as they do have a lot of qualified OBGYN doctors. 

    • 北京美中宜和 Amcare Women’s and Children’s 北京市朝阳区芳园西路9号No.9 West Fangyuan Road, Chaoyang District, Beijing Tel:400 10000 16 www.amcare.com.cn

    Exclusive for kids and females, fellow men – we’ve got to find another place 🙂 They have 5 locations across Beijing, 3 hospitals and 2 clinics. Good choice for night time emergencies if you have kids. 

    • 北京天坛普华医院 Beijing Tiantan Puhua Hospital 东城区天坛南里12号 12 Tiantan Nanli Dong Cheng District Beijing Tel:86 10 6703 5566 24Hr Emergency: 86 10 5245 2585 www.puhuachina.com

    This international hospital handles some of the most complex surgeries and treatments in Beijing. Very common for them to get referrals from other clinics for cases such as dystrophy, strokes, neurology, etc. Things that smaller scale clinics cant handle or don’t have enough qualified personnel on those. 

    • 北京善方医院 Sanfine International Hospital 北京市朝阳区工体北路13号院世茂国际中心4号楼No.4 Building of Shimao International Center, No.13 Gongti North Road, Chaoyang District, Beijing Tel:86 10 6413
  • Hospitals for foreigners in Suzhou

    • 苏州百汇园汇诊所 ParkwayHealth Suzhou Medical Center 苏州工业园区李公堤路1号10栋203 Room 203, Building 10, No 1 Li Gong Di Road, Suzhou Industrial Park, Suzhou Tel:86 512 6790 3490 www.parkwayhealth.cn

    Yes, Parkway got a clinic in Suzhou too. Surprisingly, with some insurance companies it is not a high cost provider as they are following different pricing model from Shanghai. 

    • 苏州明基医院国际医疗中心 Suzhou BenQ Hospital International Medcial Center 苏州高新区竹园路181号 No181,Zhu Yuan Road, New District,Suzhou Tel:86 512 8083 8800*5800 www.benqhospital.com

    Fully functioning international hospital that is equipped to handle inpatient care too. Except Suzhou they’ve got one more location in Nanjing too. 

    • 新宁医疗星海诊所 Suzhou SingHealth Medical Xing Hai Clinic 江苏省苏州工业园区星海街198号星海大厦1楼 1st Floor, Xing Hai Building, No.198 Xing Hai Street, Suzhou Industrial Park, Jiangsu Tel:86 512 67671655/67671611 www.singhealth.asia

    Privately owned clinic with two locations across the city conveniently located in both downtown and SIP district. 

    • 卓正医疗苏州湖西诊所 Distinct Healthcare Suzhou SIP Medical and Well Child Center 苏州市工业园区苏州大道西118号苏悦广场北楼N3-01单元 Unit N3-01, North Building, Summit Plaza, No.118 West Suzhou Avenue, Suzhou Industrial Park http://www.distinctclinic.com/

    Distinct Health Care is well established in Southern China however is already present in Top 11 cities all over the country. In Suzhou they have 2 clinics and 1 dental center

    • 苏州新世纪儿童医院  Suzhou New Century Children’s Hospital 苏州市工业园区钟南街92号  NO.92 Zhongnan Street, Suzhou Industrial Park 0512-88176666

    Originally out of Beijing they have a fully functioning hospital in SIP area. Opened a little over 5 years ago they currently only focus on pediatrics care. 

  • English speaking doctors in Tianjin

    • 天津市华达医疗机构-华卫国际门诊 Tianjin Huada Hospital (Western Hospital) 天津市泰达开发区第二大街展望路加孚园一层 1F Jiafu Yuan, Second Avenue, Zhanwang Road, TEDA, Tianjin

     

    • 天津新世纪国际儿童医院 New Century International Children’s Hospital 天津市和平区赤峰道33号 33 Chifeng Road, Heping District, Tianjin 022-60975151

     

    • 莱佛士医疗天津泰达 Raffles Medical Center-Tianjin TEDA 天津经济技术开发区第二大街泰达现代服务区C2座102室 TEDA Clinic 102-C2 MSD, No.79 1st Avenue TEDA, Binhai Area Tianjin 

     

    • 天津和睦家医院 Tianjin United Family Hospital 天津市河西区潭江道天潇园22号 22 Tianxiaoyuan, Tanjiang Road, Hexi District, Tianjin

     

    • 天津美津宜和妇儿医院 Tianjin Amcare Women’s & Children’s Hospital 天津市南开区水上公园东路21号  21 East Shuishang Gongyuan Road, Nankai District, Tianjin
  • English speaking doctors in Dongguan

    • 环球医生东莞诊所 Global Doctor-Dongguan Clinic 东莞市东城区星河传说IEO国际街区30号1楼  1F, 30 IEO International Block, Dynatown, Dongcheng District, Dongguan
  • English speaking doctors in Nanjing

    • 莱佛士南京诊所 Raffles Medical Center-Nanjing 江苏省南京市中山东路319号维景国际大酒店1层 Grand Metro Park Hotel, 319 East Zhongshan Road 1st Floor, Nanjing

     

    • 南京明基医院国际医疗中心 Nanjing Benq Hospital International Medical Center 南京市建邺区河西大街71号 71 Hexi Ave, Jianye District, Nanjing

     

    • 南京环球医生诊所 Nanjing Global Doctor Clinic 南京市建邺区水西门大街283号 No.283,Shui ximen Avenue, Jianye District, Nanjing 86 25-86519991

     

    • 南京顾泽门诊部 GZ Clinic 南京市江宁区双龙大街1680号 No.1680 Shuanglong Avenue,Jiangning District,Nanjing 025-52176668 17372253440(英语EN)
  • English speaking doctors in Chengdu

    • 成都高新企鹅诊所 Chengdu Tencent Clinic – High-Tech 成都市高新区天府三街219号腾讯成都大厦B座104, 202, 311 Room104 ,202, 311, Tencent Building B, No.219 Tianfu Third Street,Gaoxin District, Chengdu 

    Over 10 locations, not all of them have English speaking doctors so best to contact them in advance for clarifying. 

    • 环球医生成都诊所 Chengdu Global Doctor Clinic 成都市武侯区科华北路62号力宝大厦S区2楼9-11号 9-11, 2F, Section S, Lippo Tower, 62 North Kehua Road, Wuhou District, Chengdu 86 28 85283660 (24h)  86 28-85283638(工作时间) 13982256966(急诊电话)

     

    • 卓正医疗高新中心 Distinct Healthcare High-Tech Zone Medical Center 成都市高新区府城大道西段505号仁和新城A座11楼 11F, Block A, Renhe New Area, No.505 West Fucheng Avenue, Gaoxin District, Chengdu (028)8416 7266 

    Distinct Healthcare has 6 locations throughout Chengdu.

  • English speaking doctors in Xiamen

    • 厦门思明高扬来福西医内科诊所 The City Medical Consultancy 厦门市思明区湖滨北路西堤别墅1号之123号 1-123 Xidi Villa, North Hubin Road, Siming District, Xiamen 0592-5323168
  • English speaking doctors in Guangzhou

    • 广州贝利尔门诊 Guangzhou Bellaire International Healthcare Clinic 广东省广州市天河区马场路28号富力公园302D 302D, 3rd Floor, Fuli Park, No.28 Machang Road, Tianhe District, Guangzhou, Guangdong Province Tel:86 020 3891 0511 Tel:86 020 2899 3911 Tel:15218818990 (24 Hr Emergency) www.b-m-c.com.cn

     

    • 广州加美国际医疗中心 Guangzhou Can Am International Medical center 广东省广州市越秀区环市东路368号花园酒店花园大厦5层 5/F Garden Tower, Garden Hotel 368, Huanshi Dong Road, Yuexiu District, Guangzhou, Guangdong Province Tel:86 20 8386 6988 www.canamhealthcare.com

     

    • 卓正珠江新城医疗中心 Distinct Healthcare Zhujiang New Town Medical Center 广东省广州市天河区华夏路富力盈凯大厦1205-1207单元 Room 1205-1207, R&F Yingkai Building, Huaxia Road, Tianhe District, Guangzhou, Guangdong Province Tel:86 20 3809 9090 www.distinctclinic.com

    12 locations across the city

    • 广州和睦家医院 Guangzhou United Family Hospital  广东省广州市海珠区琵洲大道31号 No.31 Pizhou Avenue, Haizhu District, Guangzhou, Guangdong Province Tel:400 891 9191 www.ufh.com.cn
  • English speaking doctors in Shenzhen

    • – 志浩综合门诊部 Chiho Medical Centre 深圳市福田区福华一路国际商会大厦B座203室 Room203, Building B, International Chamber of Commerce, Fu Hua Yi Road, Fu Tian District Tel:86 755 8830 1498 24Hr Emergency:86 15012963396 www.chihomedicalcentre.com

     

    There are 9 facilities across the city of that chain, probably one of the most well developed medical chains that are privately owned in Southern China

    • 深圳维世达胜凯名医诊疗中心 Shenzhen VISTA-SK Specialist&Day Surgery Center 深圳市南山区学府路深圳软件产业基地4栋C座裙楼4层 4th Floor, C Block Podium Building, No.4 Building, Shenzhen Software Industry Base, Xuefu Road, Nanshan District, Shenzhen Tel:86 755 3689 9688 www.vista-sk.com

     

    • 深圳云杉云里医院 Shenzhen Yunshan Winlead Hospital 深圳市龙岗区坂田街道云里智能园1栋 Building No.1, Winlead Intelligent Park, Bantian Street, Longgang District, Shenzhen Tel:400 965 5582 www.yunshanmedical.com
  • English speaking doctors in Ningbo

    • Distinct Healthcare www.distinctclinic.com Yinzhou Medical Center (Yinzhou) Room 03, 17th Floor, Nanyuan Universe Deluxe Hotel, Yinxian Avenue 1288, Yinzhou District, Ningbo(鄞县大道1288号南苑环球酒店1703单元) Tel:(0574) 8803 0790

     

    • 宁波开发区中心医院国际门诊 Ningbo Development zone center hospital International outpatient center 宁波市北仑区新碶华山路666号 NO.666 Xiqishan Rd, Beilun District, Ningbo