Ping An Expat Health Coverage for China
As one of the leading insurers in China, Ping An Insurance offers a variety of health insurance solutions for expats across China, from high-end individual medical benefits to specialized health management services.
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Are you an expat in China in need of health coverage? In this article, we will take a look at Ping An expat health coverage in China as well as why Ping An is one of the top insurers for expats in China.
About Ping An Insurance in China
Ping An Insurance was founded in 1988 in Shenzhen. As a holding conglomerate in China, Ping An Insurance primarily focuses on insurance, healthcare, investment, banking, and auto services. Leveraging its many subsidiaries, Ping An can offer expats extensive coverage over multiple sectors.
As one of the largest and most prominent insurance companies in China, Ping An Insurance offers a wide variety of insurance products for both locals and expats including life insurance, property and casualty insurance, health insurance, banking, asset management, and more.
Due to their sheer size, Ping An boasts one of the most extensive networks of providers in China. Expats can fully leverage the network to gain access to some of the top hospitals in major business hubs in China such as Beijing, Shanghai, and Shenzhen.
Ping An Yixiang High-end Medical Insurance Expats in China
For expats in China, Ping An’s Yixiang high-end medical insurance (颐享个人高端医疗) offers extensive health coverage from general hospitalization to HIV & psychosis hospitalization coverage. The Yixiang high-end medical insurance offers two tiers, the A series and the B series.
Expats can further choose their area of coverage for both tiers. The coverage areas include:
- Mainland China
- Greater China
- Worldwide excluding the USA
- Worldwide
The main difference between the two tiers is that the A series excludes general outpatient while the B series includes outpatient coverage. The B series also offers optional dental treatment and prevention benefits.
Below is a table of benefits that both tier offers:
|
Mainland China, and Other Specific Network Providers Which are Outside of China |
Greater China, and Other Specific Network Providers Which are Outside of China |
Worldwide Excluding USA |
Worldwide |
|
| Overall Limit | RMB 4,000,000 | RMB 6,000,000 | RMB 8,000,000 | RMB 8,000,000 |
| General Hospitalization | Fully Covered | Fully Covered | Fully Covered | Fully Covered |
| Doctor Fee, Bed Fee, Board Fee, ICU Fee, Meal Fee, Nursing Care Fee, Examination Fee, Laboratory Test Fee, Treatment Fee, Drug & Medicine Fee, Surgical Fee, Operation Fee and Ambulance Fee | Fully Covered | Fully Covered | Fully Covered | Fully Covered |
| Reconstructive Operation | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case |
| Durable Medical Equipment | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case | Max. RMB 100,000 per Hospital Case |
| HIV & Psychosis | ||||
| HIV Hospitalization | Max. 200,000 | Max. 200,000 | Max. 200,000 | Max. 200,000 |
| Psychosis Hospitalization | Max. 50,000 | Max. 50,000 | Max. 50,000 | Max. 50,000 |
| Special Outpatient Medical Expenses | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Pre & Post Hospitalization | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Accident Medical (Including OP and Dental) | Paid in Full | Paid in Full | Paid in Full | Paid in Full |
| Special Care, Apply for Hospital Discharged | Paid in Full (Max. 90 Days) | Paid in Full (Max. 90 Days) | Paid in Full (Max. 90 Days) | Paid in Full (Max. 90 Days) |
| Emergency Medical Expense Outside of Area of Cover | Max. RMB 500,000 | Max. RMB 500,000 | Max. RMB 500,000 | Max. RMB 500,000 |
| Hospital Cash (Applies to No Claim Hospital Cases) | RMB 600 per Hospital Night (Max. 30 Days) | RMB 600 per Hospital Night (Max. 30 Days) | RMB 600 per Hospital Night (Max. 30 Days) | RMB 600 per Hospital Night (Max. 30 Days) |
As mentioned, the key difference between the A series and the B series is that the B series includes outpatient coverage. Below is a table detailing the outpatient coverages in the B series:
|
Mainland China, and Other Specific Network Providers Which are Outside of China |
Greater China, and Other Specific Network Providers Which are Outside of China |
Worldwide Excluding USA |
Worldwide |
|
| General Outpatient Medical Treatment Expense | Paid in full Max. 50 Times per Year | Paid in full Max. 50 Times per Year | Paid in full Max. 50 Times per Year | Paid in full Max. 50 Times per Year |
| TCM and Other Related Special Treatment | Up to RMB 2,000 per Visit (Max. RMB 8,000) | Up to RMB 2,000 per Visit (Max. RMB 8,000) | Up to RMB 2,000 per Visit (Max. RMB 8,000) | Up to RMB 2,000 per Visit (Max. RMB 8,000) |
Yixiang high-end medical health insurance B series dental treatment and prevention benefits and coverage:
|
Mainland China, and Other Specific Network Providers Which are Outside of China |
Greater China, and Other Specific Network Providers Which are Outside of China |
Worldwide Excluding USA |
Worldwide |
|
| Sub-limit | RMB 10,000 | |||
| Payable Ratio | 80% | |||
| Benefits |
|
|||
Both plans in the Yixiang high-end medical insurance plans also include medical services including:
- Direct billing
- Reservation in outpatient case
- Accompany in outpatient case
- Visitation service (in both inpatient and outpatient)
- Rehabilitation Nursing
- Case Management
- Global emergency assistance
- Multi-specialist consultation
- Domestic and Overseas Specialists in a second consultation
- Overseas Medical Service, including reservation and direct billing
Ping An Good Doctor – Telemedicine for Expats in China
Ping An Insurance offers all their policyholders access to their telemedicine and telehealth platform, Ping An Good Doctor. The platform allows Ping An policyholders to access online consultations and prescription services through the official Ping An Good Doctor app and website.
Telemedicine and telehealth platforms are particularly beneficial for expats in China who are only partially proficient with the Chinese language. Learn more about how expats in China can benefit from telemedicine in our guide on Telemedicine Services for Expats in Remote China.
Why Ping An is Great for Expats in China
What sets Ping An Insurance apart from other top insurers in China such as GeoBlue and NOW Health International is their extensive network of providers in China and their strong InsurTech foundation which offers their policyholders excellent telemedicine and telehealth services.
The Ping An Yixiang high-end medical insurance offers expats extensive health coverage. With a variety of tiers and options to choose from, expats can select a combination that fits their needs and requirements during their stay in China.
The extensive list of network providers features some of the best hospitals and healthcare facilities in the country. Expats can easily find facilities that support English. Leveraging the insurer’s InsurTech foundations, policyholders can also enjoy convenient services such as direct billing.
All Ping An policyholders also have access to the Ping An Good Doctor, a telemedicine and telehealth platform. Through the platform, expats will have convenient access to doctors who can speak English to make online consultations more efficient.
Looking to stay insured in China with a Ping An policy? Pacific Prime can help you. As a global insurance broker with over 20 years of experience in the industry, our team of experts can help you sort through countless plans from different insurers to help you find the best insurance plans in China.
Contact us today for a free plan comparison and an obligation-free quote.
Frequently Asked Questions
Is health insurance mandatory for expats in China?
Health Insurance is not mandatory in China but is highly recommended. Private healthcare in major hubs such as Beijing and Shanghai can be quite expensive, and private health insurance can help reduce their cost. As such, it is recommended that expats in China secure private health insurance plans.
What types of insurance does Ping An offer expats in China?
Ping An Insurance offers a variety of insurance plans including health insurance, life insurance, property insurance, and travel insurance. As a major conglomerate in China, Ping An Insurance also offers a range of financial services.
What do Ping An’s health insurance plans cover?
Ping An health insurance plans typically offer medical expenses and hospitalizations as core benefits. Outpatient, dental, and vision care are often available as optional benefits. Take note that every plan is different and you should refer to the policy details for the most accurate information.
Are there additional services or benefits to Ping An Insurance plans?
All Ping An insurance policyholders have access to their mobile app where they can easily file claims online. Additionally, policyholders also have access to the Ping An Good Doctor telemedicine and telehealth platform where they can easily schedule online consultations.
Is it possible to include my spouse and children in my health insurance in China?
There are many health insurance plans that allow you to include your spouse and children in the same policy. It is important to remember that the availability varies from plan to plan. The best way to make sure is to refer back to your policy details.
Born and raised in the cultural melting pot that is Hong Kong, and having studied at an international school, Vista has developed a multicultural perspective that he uses in his writing and strives to connect to people of different backgrounds.
In his free time, Vista enjoys immersing himself in different worlds, from video games to light novels and movies. His hobbies help him expand his writing style by putting himself in the point-of-view of different people and characters.
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