Aetna Health Insurance in China

Aetna Health Insurance in China

As of early 2023 Aetna has fully quitted China market. Their entire portfolio has been merged under Allianz Group Insurance brand that runs it under their own branding. All insurance renewals have been switched over to them without re-underwriting and without any plan changes.

If you are an existing Aetna client from outside of China, upon relocation to Mainland China they will offer you a choice to switch to locally designed plans. Let’s take an example of a person living in Singapore. Once they decide to relocate to Mainland China, Aetna Singapore can switch them to a China based plan upon renewal. From then onwards it will be managed by Allianz. Such transitions are possible for now for all country residents except USA.

  • Contact Aetna China

    • Aetna China Health Insurance Department 24 hour helpline toll free: 400 8811291
    • Aetna International 24 hour helpline outside of Mainland China: +86 021 61936981
    • Email: china-enquiries@aetna.com
    • Claim address: 7/F Gopher Center, No. 757 Meng Zi Road, Huangpu District, Shanghai 200023 上海市黄浦区蒙自路 757 号歌斐中心 7 层

  • Contact the emergency services

    • Call an ambulance: 120
    • Call the fire department: 119
    • Call the police: 110

  • Download useful information

    Aetna China Direct billing list

    Aetna Claim form ENG&CN

  • How to make a claim

    1. Once you receive medical treatment please ensure that hospital front desk gives you a chopped/stamped medical fapiao (can be e-fapiao), medical reports including diagnosis and list of prescribed medications
    2. If available you can submit your claim via the insurance company’s website or app from your smartphone
    3. Download a claims application form form the ‘Download Useful Documents’ section of this page and complete the form as best you can.
    4. Scan and send all documentation including the claim application form to HTChinaServices@aetna.com
    5. The insurance company will then confirm that all documentation is in order and will ask you to submit the original claim documents to the insurance company if needed. If it is a non-China claim scanned copies may suffice.
    6. Insurance company will email you the claim application result and will reimburse eligible claim amounts to you bank account.

  • Pre-authorization list

    If you have Aetna health insurance plan in China please apply for pre-authorization with them through the medical care or service hotline 48 hours prior to the acceptance of the following medical treatments:

    1. Planned inpatient or daycare treatment (hospitalisation)
    2. Any pregnancy or childbirth treatment
    3. Planned surgery
    4. Home nursing charges
    5. Planned MRI, PET and CT scans;
    6. Outpatient psychiatric&mental health care
    7. Emergency evacuation

    Most of it can be done through the hospital you are getting treatment at, as long as it is part of Aetnas direct billing list. If no, refer to Aetna Health Hub, below are details how you can manage your health insurance plan from there.

    Aetna China Health Insurance

How can I purchase Aetna China health insurance?

While you cant purchase those directly from Aetna any longer, Aetna’s entire Ultracare portfolio is now available through Allianz and their subsidiaries. Health insurance market refers to these now as Allianz Huatai. Below is general overview of the plans and what they cover.

Source: Aetna International

Aetna Insurance China Plan Overview

Here is an overview of Aetna China plans with highlighted major differences.

 

Aetna Health Insurance China

Outpatient is where plans differ the most. On top of that goes dental and wellness benefits.

Make sure to check our latest article on most popular insurance plans in China. Aetna historically has been top 3 most popular options. Particularly for families, due to one of the largest family discounts. Otherwise, below is a good summary to help you navigate on where they stand against others. 

Pros and Cons of Aetna insurance policies

  • Decent dental. Especially under Elite plan. It is one of the few on the market which does not require % copayment. With Comprehensive on the other hand you will need to pay 25% of each dental bill out of pocket
  • Waiting period for dental care. All Aetna plans are subject to 180 days waiting period before you can claim anything under dental raider
  • No per session limit on therapies. While you often see with other insurance companies how much you can claim per session, Aetna on the other hand just gives you a bulk limit to spend. There is no restriction on how many sessions you can make, so try to squeeze in as much as possible
  • Preventative dental (cleanings and polishing) are part of wellness raider. Yes, you will have to share this limit. While most other companies reserve wellness benefits exclusively for check ups and vaccinations. 
  • Children under age of 18 do not get preventative dental care
  • No glasses or contact lenses cover under the plans
  • One of the best direct billing network in China
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