GBG Health Insurance in China

  • Contact GBG

    • GBG Health Insurance Department 24 hour helpline toll free in China: 400 8169300
    • 24 hour helpline outside of Mainland China: +1 905 6694920
    • Email: chinaservice@gbg.com
    • Claim address: 

  • Contact the emergency services

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

  • Download useful information

    GBG China Direct billing list

    How to use policy guide

    GBG Claim form ENG&CN

    There is an option to tailor GBG Health insurance plans to provide cover in public (government run) hospitals only. Alternatively, you can still include access to international medical facilities with English speaking doctors in China too. Most importantly, always make sure what level of access to providers you have.

  • 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. For instance, they support both iOS and Android, as well as WeChat official account.
    3. Firstly, download a claims application form form the ‘Download Useful Documents’ section of this page and complete the form as best you can.
    4. Secondly, scan and send all documentation including the claim application form to chinaservice@gbg.com 
    5. GBG 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. Generally speaking, if it is a non-China claim scanned copies may suffice.
    6. Lastly, insurance company will email you the claim application result and will reimburse eligible claim amounts to you bank account.

    Below is a handy summary on what information you need to collect for different claims under GBG Health insurance plan.

    GBG Health Insurance in China

    GBG Health Insurance Claim

  • Pre-authorization list

    Please apply for pre-authorization with GBG Health Insurance Department or through the service hotline 48 hours prior to the acceptance of the following treatments:

    1. Hospitalization – need Pre-Authorization is for all locations. (Incl. Hospital stay for Maternity / Delivery)
    2. Outpatient Surgeries requiring general anesthesia.
    3. Private Duty Nursing – (When 4 or more visits will happen)
    4. Organ, Bone Marrow, Stem Cell Transplants, and other similar procedures
    5. Air Ambulance – Air Ambulance service will be coordinated by Insurer’s air ambulance provider.
    6. Any condition, including cancer treatment or any chronic condition, which does not meet the above criteria. But will accumulate to over ¥60,000 of medical treatment per policy year
    7. Hospice care
    8. Pre-Authorization through GBG Assist if you have a medication that will exceed $ 3,000 / CNY20,000 per refill

GBG Health Insurance in China

Global Benefits Group has entered administration stafe as of December 2023. This was primarily driven by shortfoll in the registered capital as well as poor solvency ratio. As of now, all GBG client have been switched to another re-insurance company Asia Pacific. Service provider has been appointed and it is a local firm Zhibao Tech. All GBG clients have been renewed and could enjoy continuation of coverage.

Source: Zhibao Tech Insurance

How can I purchase GBG Health insurance?

All GBG plans remain the same under new re-insurance company. Meaning, whatever options you were considering before, they are still available now too. Moreover, they have more online presence and distribution. So short terms insurance policies like event insurance or travel insurance you can now buy online through Wechat.

Pros and Cons of GBG China insurance plans

  • great dental benefits. Preventative care is 100% covered without copayment. Furthermore, there is no waiting period on it
  • high mental health limits. With most of GBG plans you can enjoy full cover for mental health consultations of up to 20 sessions per year
  • all insurance plans have a built-in wellness raider. So you don’t need to pay extra for this
  • one of the few companies that allow policy split between family members. For example parents can choose to buy inpatient only insurance coverage, while kids can get the one including outpatient too
  • extending area of cover to global can be pretty expensive. They will charge you extra 25% if you want to use policy overseas. In contrast, most other insurance companies only charge 3-7%
  • first time enrollment at the age of 50 and above will need a recent check up for underwriting. Check our article here to see what underwriting types are available
GBG Health Insurance China

Dental raider is one of the unique selling points of GBG plans. They do not cost a lot, but cover is pretty substantial.

 FAQ

What happened to GBG in China?

GBG Global entered administration state as of late December 2023. Their entire portfolio since then has been transferred to Asia Pacific. At present all existing clients could switch to new provider without issues.

 

Start Typing