MSH Health Insurance in China
MSH has been one of the earliest pioneers to enter China market in the early 2000s. Since then, they have emerged into one of the major power houses servicing both large corporates and individual&family clients all over China. They also get appointed as a service provider by other insurance companies to provide ongoing support for their clients. Some example could be Allianz and AXA TianPing.
Source: MSH Asia website
On top of that, they have exclusive agreements with several international hospitals to run their own insurance plan. Great example on that will be Jiahui International Hospital that in 2024 launched their own insurance plan fully serviced by MSH.
Contact MSH
- MSH China Health Insurance Department 24 hour helpline toll free: 400 6130330
- 24 hour helpline outside of Mainland China: +86 021 6187 0330
- Email: networkclaims@mshasia.com
- Claim address: 理赔资料寄送至直付理赔部5F, Building 9, Lujiazui Software Park, Lane 91, E Shan Road, Pudong, Shanghai, P.R.C 200127上海浦东峨山路91弄陆家嘴软件园9号楼北塔5层
Contact the emergency services
- Call an ambulance: 120
- Call the fire department: 119
- Call the police: 110
Download useful information
MSH China Direct billing list for CEI plan
MSH China Direct billing for Advance and Premier plans
MSH Insurance Claim form ENG&CN Part A
MSH Insurance Claim form ENG&CN Part B
Or scan the below QR code to see MSH Direct Billing list in China.
How to make a claim
- 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
- If available you can submit your claim via the insurance company’s website or app from your smartphone
- Firstly, download a claims application form form the ‘Download Useful Documents’ section of this page and complete the form as best you can.
- Secondly, scan and send all documentation including the claim application form to claims@mshasia.com
- 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. Generally speaking, if it is a non-China claim scanned copies may suffice.
- Insurance company will email you the claim application result and will reimburse eligible claim amounts to you bank account.
Pre-authorization list
Please apply for pre-authorization with MSH China through the medical care or service hotline 5 working days prior to the acceptance of the following treatments under your health insurance plan in China:
- All in-patient benefits (where you need to stay overnight in a hospital). A well as day-care treatments
- Outpatient surgery requiring general anesthesia as well as any cancer treatments
- Purchase or rental of Durable Medical Equipment (DME). For instance, including but not limited to insulin pumps and supplies
- Emergency Medical Evacuation
- Emergency Dental Treatment
- Medications or immunizations in excess of RMB 8,000 per refill
Lastly, keep in mind that MSH China Insurance Department reserves the right to apply some penalty if pre authorization hasn’t been obtained. Additionally, if costs for medical care are clearly above market average.
How can I purchase MSH China health insurance?
As of now, MSH has wide selection of individual and family insurance options. Those include child only insurance plans, plans that will cover public hospitals only, as well as fully global expat insurance options. Below is generall summary.
Pros and Cons of MSH insurance policies
Arguably, MSH has one of the best online portals for China clients. It is almost as good as Alilanz and lets you submit claims, apply for pre-authorization, check remaining ballance on your insurance and many more.
Online portal is available as either an APP or through online access at website or WeChat official account.
- wide selection of plans. Starting from cover in public hospitals only and then all the way up for more high-end plans
- no waiting period on dental cover, you can claim those from day 1
- preventative dental is 100% covered without copayment. If you are on Premier plan then all dental expenses are 100% covered up to the limits
- small family discounts of only 5-7%
- strict on claims, especially those that can be seen as chronic medical conditions
- one of the best and steady yearly price increases
- do not allow easy switching from corporate to individual insurance plans
Learn more on how MSH fits China insurance market in our article. It is true, ever since 2019 MSH is top 3 most popular insurance options for expats. Make sure to understand not only what cover benefits are, but also what items are in the Exclusion list.
Below video (requires VPN) is to give you a wider perspective of what MSH network looks like.
FAQ
Is MSH a TPA (Third Party Administrator)?
MSH Asia which is main enity in China, is a third party administrator designed to manage and service both individual and coporate insurance policies for China residents. Their insurance plans are underwritten by China Continental Insurance Co.
What is MSH China known for?
MSH Child only insurance policies provide one of the best value-for-money if you need access to private medical facilities. More on this in our article here. On top of that, all MSH insurance plans historically had lowest price reviews on a year by year basis.
Can I switch between MSH plans on renewal?
You can make adjustments to your plan, such as add dental and wellness raider, or request an extension of your area of cover. However, all those shall be within your own plan portfolio. You can not switch to a different one for example from Advance to CEI.
Can I buy MSH insurance in addition to my CFE insurance in France?
Although you cannot purchase it from MSH China, such plans are available through MSH International at below link. Source: MSH International