Insurance & payment
We do not sell insurance. We help you use yours.
Whether your treatment can be billed directly to your insurer depends on the hospital and on your policy — not on us. What we do is make the paperwork work: route your case to a hospital with a direct-billing agreement where one exists, and prepare the records and receipts your insurer requires where one does not.
Three things we do, in writing
What our role is — and is not
We do not sell insurance
We are not an insurer and we do not sell or distribute insurance products.
We do not decide claims
We do not make, or take part in, claims decisions. We prepare documents; we do not rule on whether a claim is payable.
We prepare your documents
We assist the hospital in issuing English medical records, itemised invoices and receipts in the format insurers require, and we help prepare pre-authorisation material.
Whether a treatment is covered by direct billing, and whether it is covered at all, is decided solely by your policy and by your insurer or its third-party administrator (TPA). We report the route; we do not set it.
Two payment routes
How your treatment is billed
Direct billing
Where a hospital holds a direct-billing agreement with your international insurer (for example Cigna, MSH, Allianz or similar), we route your case to that hospital first, so the insurer is billed directly and you avoid paying the full amount out of pocket.
Direct billing depends on the specific hospital and your specific policy. It is not available for every insurer, every treatment or every hospital.
Pay and claim
Where direct billing does not apply, you pay the hospital and claim from your insurer afterwards. We make sure the hospital issues English medical records, itemised invoices and receipts in the format your insurer requires, so the claim is as straightforward as possible.
In public-hospital international departments, payment is often settle-then-claim rather than direct billing. We tell you which applies before you commit to dates.
Insurers & TPAs
Common international insurers and TPAs in China
Whether treatment is direct-billed, and whether it is covered at all, is decided by your policy and these insurers and TPAs — not by us. We work on your side: we confirm which network covers your hospital and treatment, and we prepare the English records, itemised invoices and pre-authorisation your claim needs. We do not sell insurance, and we take no payment from any of them.
- Cigna 信诺 — international health insurance
- Allianz 安联 — international health insurance
- MSH 万欣和 — third-party administrator (TPA)
- MediLink-Global 中间带 — third-party administrator (TPA)
Medical travel cover
Cover for what can happen around treatment
A separate travel policy can cover complications, treatment-related travel delay, and repatriation. We do not sell these policies — we tell you what to look for and which questions to ask. We do not arrange medical evacuation or repatriation; where a patient needs it, we provide the English clinical summaries and coordinate the hospital-side handover.
Check your route before you fly
Tell us your insurer and your case. We will tell you, in writing, whether direct billing is realistic, which documents your insurer will need, and what you should confirm with your insurer before you travel.