Top Six International Insurance Companies in Shenzhen
Cigna Global, AXA, MSH International, and others are among the leading international insurance companies for expats in Shenzhen. The top international insurance providers in Shenzhen will offer expats comprehensive health insurance with benefits that can be customized to meet individual needs.
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If you live in Shenzhen and want to learn more about the top international insurance companies in your area, the plans they offer, and the plan benefits. This article from Pacific Prime is a must-read for you.
We will share with you our list of the top six international insurance companies in Shenzhen, as well as their plan and coverage details. We will also discuss what you need to pay attention to when choosing an international insurance plan in China.
Best Six International Insurance Companies in Shenzhen
The top six international insurance companies in Shenzhen are:
- Cigna Global
- AXA
- IMG Global
- Allianz
- MSH International
- GeoBlue
These international insurance providers offer a myriad of insurance plans, including health and family insurance, for expats in Shenzhen. We will elaborate on these six insurers and their offerings in the following section.
Cigna Global Insurance in Shenzhen
Cigna Global‘s reputation, comprehensive coverage options, broad network, and customer service make it a top choice for expats in China. With their Silver, Gold, Platinum, and Close Care plans, Cigna meets the diverse healthcare needs and budgets of expats in the country.
Cigna stands out due to its broad global network, connecting policyholders to 1.65 million hospitals, doctors, and clinics worldwide. Their commitment to excellence is evident through their 24/7 customer support and assistance in finding medical care and overcoming language barriers.
Cigna Global International Insurance Plans
The Silver and Close Care plans offer more basic coverage options, while the Gold and Platinum plans provide more comprehensive care with higher limits.
The Silver plan offers:
- Inpatient and outpatient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms, hospital stays and treatments
- Additional options include dental and vision benefits, evacuation services, and outpatient care
- An annual limit of USD $1,000,000
The Gold plan offers the following on top of the core benefits of the Silver plan:
- Inpatient maternity services
- An annual limit of USD $2,000,000
The Platinum plan, Cigna’s most comprehensive option, encompasses all the core benefits of the Gold plan and offers:
- Unlimited annual limits
- Mental and behavioral health care coverage
The Close Care plan caters to members needing coverage in both their country of residence and nationality, providing essential healthcare coverage with an annual limit of USD $500,000.
Additional coverage for vision, dental care, outpatient services, and well-being programs can be added to enhance all the above plans.
AXA Insurance in Shenzhen
AXA stands out as one of the best international insurance companies in China due to its comprehensive coverage, prompt services, virtual doctor consultations, and dedicated support for expats’ healthcare needs.
AXA is renowned for their top-quality services and tailored coverage options that cater to the different budgets and requirements of expats in China. With AXA, expats can overcome language barriers, reduce waiting times, and access the best medical services in China.
AXA International Insurance Plans
AXA provides two main types of health insurance plans: international health insurance (IHI) and expat health insurance.
AXA International Health Insurance Plans
AXA offers different IHI coverage levels to suit diverse needs. The coverage levels include Foundation, Standard, Comprehensive, Prestige, and Prestige Plus. Each level provides different major benefits, with higher limits and additional coverage as you move up the levels.
IHI plans are particularly suitable for globe-trotting expats due to their wide geographical coverage. The main features of AXA’s IHI plans include coverage for:
- Emergency and routine healthcare
- Virtual doctor services for convenient medical consultations
- Quick payouts with over 80% of eligible claims settled within 48 hours
- Independent second medical opinions
- Evacuation and repatriation services
- Dedicated mind health support
- Round-the-clock personal assistance.
AXA Expat Health Insurance Plans
AXA’s expat health insurance plans similarly offer comprehensive coverage for expats living and working in China. The main differences are that expat plans typically only provide coverage in specified countries, but the premiums are also lower compared to comparable IHI plans.
Expat health insurance plans from AXA offer:
- Expert medical care
- Multilingual support
- Virtual doctor services
- Quick reimbursement for medical expenses
- Evacuation and repatriation services
- Coverage for cancer support, mental health support, dental care, second medical opinions, and various medical procedures.
IMG Global Insurance in Shenzhen
IMG Global offers extensive coverage options, customizable plans, and excellent member support services. Because of the wide array of coverage levels and options available, expats in China can easily find the protection they need from IMG Global.
With over 190 countries covered, IMG Global offers a range of plans to protect expats from potentially overwhelming medical expenses. They have been serving customers in China since 1990 and are well-regarded for their comprehensive coverage and exceptional service.
IMG Global International Insurance Plans
IMG Global offers four health insurance plan categories: Bronze, Silver, Gold, and Platinum. Each plan provides worldwide coverage and customizable options. The lifetime limits for these plans vary as follows:
- Bronze: USD $1,000,000/person
- Silver and Gold: USD $5,000,000/person
- Platinum: USD $8,000,000/person.
Notable benefits of IMG Global Insurance Plans include:
-
- Emergency medical evacuation
- Worldwide and customizable coverage
- Access to quality member support services
- Prescription drug coverage
The plans also cover a range of additional benefits, such as:
-
- Maternity care
- Emergency reunion
- Political evacuation and repatriation
- Coverage for pre-existing conditions (after a certain period)
- Return of mortal remains
IMG Global allows expats to tailor their coverage by adding optional benefits including:
- Dental and vision care
- Global term life insurance
- Accidental death and dismemberment (AD&D) coverage
Allianz Insurance in Shenzhen
Allianz, in collaboration with Allianz Jingdong General Insurance Company Ltd., provides international health insurance plans for expats residing in China. These plans are designed to offer flexible and affordable coverage for individuals and families.
Expats choose Allianz for its customer support and concierge services, a global network of 1.9 million healthcare providers, and coverage for chronic conditions. Allianz’s vast network ensures quality coverage worldwide.
Allianz International Insurance Plans
Allianz offers three core comprehensive health insurance plans for expats in China: Diamond Plus, Diamond Prime, and Diamond Care.
The Diamond Care plan is the most basic option; it offers the following:
- An annual limit of RMB ¥4,200,000
- Fully covered cancer care
- Inpatient treatment benefits
- Semi-private room during hospital stays
However, it does not include coverage for psychiatry and psychotherapy, nursing at home or in a convalescent home, optional maternity plans, or emergency treatment outside the area of cover.
The Diamond Prime plan provides more extensive coverage, offering or covering:
- An annual limit of RMB ¥9,450,000
- Inpatient/day-care
- Oncology
- Organ transplant
- Psychiatry and psychotherapy
- Nursing at home or in a convalescent home
- Emergency treatment outside the area of cover for trips up to six weeks
Diamond Prime further allows the addition of optional plans except for maternity coverage.
The Diamond Plus plan is the most comprehensive. On top of the benefits of Diamond Prime, it offers or covers:
- An annual limit of RMB ¥18,900,000
- The option for additional maternity benefits
- Staying in a private hospital room
For all plans, Allianz offers 24/7 customer support, assistance in finding medical clinics, and case management.
Moreover, Allianz provides optional plans that can be added to the core plans, including outpatient coverage, dental coverage, health and wellbeing coverage, and maternity coverage. They also cover most chronic health conditions, although coverage may vary depending on the chosen plan.
MSH International Insurance in Shenzhen
MSH International is a top choice for expats in China, offering customizable health insurance plans. The insurer stands out with its wide range of international insurance solutions, extensive and inclusive coverage options, extensive medical network, and 24/7 member support.
One of MSH International’s key advantages is its vast network of providers, comprising over one million healthcare professionals worldwide. This ensures expats have access to quality medical services in China and across the globe.
MSH International’s International Insurance Plans
MSH International offers different plans tailored to the needs of expats. The International First’Expat+ plan provides comprehensive coverage for expats and their families, with four options: Hospi, Health, Health+, and Health+Child.
Each option is further divided into tiers such as Quartz, Pearl, Sapphire, and Diamond, offering varying coverage and benefit limits.
The Hospi Option
The Hospi option focuses on hospital and medical evacuation coverage, with annual limits ranging from USD $625,000 for Quartz to USD $3,750,000 for Diamond. Benefits include:
- Hospital room coverage
- Surgical procedures
- Emergency hospitalization
- Cancer treatment
The Health Option
The Health option not only covers hospitalization and medical evacuation but also includes:
- Routine healthcare
- Personal liability and legal assistance coverage
Prescription drug coverage is available, with the Diamond tier offering full coverage. Preventative packages are included in the Pearl, Sapphire, and Diamond tiers, providing screenings for various conditions.
The Health+ Option
Expats can enhance their coverage with the Health+ option, which offers dental and vision benefits in addition to the Health plan. The annual limits for dental coverage range from USD $1,250 to USD $4,400, depending on the tier.
The Health+Child Option
For expat families or those planning to start a family, the Health+Child option provides maternity coverage. It covers or offers:
- Prenatal and postnatal care
- Childbirth without complications as well as childbirth complications
- Fertility treatment is also available with certain waiting periods and limits
GeoBlue Insurance in Shenzhen
GeoBlue is a leading international insurance company that offers comprehensive health insurance plans for expats in China, access to a broad network of healthcare providers, and exceptional client service. Expats can choose from different plan options based on their needs and budget.
GeoBlue International Insurance Plans
GeoBlue’s Xplorer Health Plans are designed to provide customizable coverage. Three main plan options are offered: Xplorer Essential, Xplorer Select, and Xplorer Premier. Xplorer Essential does not include coverage for the United States, while the other two plans do.
GeoBlue’s Xplorer plans have several key features, including:
- No waiting periods for preventive services
- No deductible for certain services like office visits and preventive care
- Coverage for pre-existing conditions
- Access to the Blue Cross Blue Shield PPO network (exclusive to the Premier Plan)
Xplorer Essential
The Xplorer Essential plan provides comprehensive coverage with unlimited yearly and lifetime medical maximum benefits. Other key features include:
- Instant coverage of pre-existing conditions upon presentation of prior coverage evidence
- The freedom to visit any healthcare provider worldwide
- Access to unlimited telemedicine services
- Waived deductibles for office visits, preventive care, prescriptions, and other services
- Optional dental and vision insurance is available
Xplorer Select
The Xplorer Select plan is suitable for expats who wish to continue their U.S. health insurance plan. It offers the same benefits as the Xplorer Essential plan but with a simplified underwriting process and a shorter turnaround time.
Xplorer Premier
The Xplorer Premier plan is the most comprehensive option, providing worldwide coverage, including the U.S on top of the benefits available with the Xplorer Essential plan.
Key Considerations for Securing International Insurance in Shenzhen
When securing international insurance in Shenzhen, there are several key factors expats should bear in mind. These include evaluating your coverage options, assessing the quality of customer service and member support, looking at the insurer’s reputation, and comparing premiums.
While some expats working in China may qualify for public health insurance, this coverage is limited. Public health insurance only provides access to public hospitals, which may mean longer wait times and a lack of English-speaking staff.
To ensure a stress-free life in Shenzhen, having international health insurance is recommended. With an international insurance plan, expats gain access to the best private hospitals in Shenzhen, featuring state-of-the-art equipment, high-quality care, and multilingual medical staff.
If you require assistance in selecting an insurance plan, consider reaching out to insurance experts like Pacific Prime. With our extensive industry experience, we can provide valuable guidance, helping you navigate the terms, conditions, and exclusions of various insurance plans.
Frequently Asked Questions
Are expats in China required to join the public health insurance program?
Expats who are working in China are required to join the local health insurance scheme. Many expats also have private health insurance to supplement the national plan, often for the more comprehensive coverage and services more tailored to their needs.
What type of health insurance is suitable for foreigners who will spend a few months in China?
Short-term international health insurance is a plan that expires within one year after taking effect. A short-term IHI plan may be renewable, and provided specific requirements are met, some insurers allow a short-term IHI plan to be converted into a “regular” IHI plan.
Will my IHI plan cover my pre-existing medical conditions?
The answer varies among insurers; some will decline coverage for pre-existing conditions; others may cover them with a premium surcharge or after a prescribed waiting period; some may limit the insurance payout, or increase the copayment and/or deductible of the IHI plan.
Conclusion
In this article, we introduced the top six international insurance providers in Shenzhen. We also elaborated on their international health insurance plans designed with the needs of expats like you in mind. We trust you are now well acquainted with these great insurers in Shenzhen.
In addition to international health insurance, many expats in China also secure family health insurance, maternity insurance, travel insurance, and medevac insurance from the top insurers to protect themselves. We recommend that you consider these types of insurance for yourself and your loved ones, too.
Selecting the best plan from the myriad of plans on offer is no easy task, which is why it is great to have Pacific Prime on your side. Our 20+ years of brokerage experience and deep knowledge of insurance products allow us to tailor a plan that meets your needs and offers the best value for money.
Moreover, you can have our advice and support at no extra cost relative to buying coverage directly from an insurer. The value of this support is most apparent should you need to make a claim, because we can help level the playing field and secure a fair outcome for you.
So contact us for a consultation or quote or a free, no-obligation plan comparison today!
Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.
In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.
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