Designed for Chinese employees assigned overseas, internationally recruited expatriate employees, and locally hired overseas employees, Overseas Assignment and International Employee Medical Insurance provides comprehensive medical protection covering multiple countries and regions worldwide.

The product fully considers the diverse healthcare needs arising from cross-border employment scenarios. It covers key benefits including inpatient medical care, outpatient medical care, emergency medical evacuation, global assistance services, international health check-ups, vaccinations, and mental health support. Coverage areas can be flexibly selected to include the countries and regions where employees are assigned.

Leveraging MSH’s global direct billing medical network and professional healthcare service system, employees working overseas can enjoy cashless medical services, medical coordination, and global assistance support, receiving a more secure and convenient healthcare protection experience worldwide.

As Chinese enterprises accelerate their global expansion, healthcare protection for overseas employees has become a critical component of international human resource management. The overseas workforce is becoming increasingly diverse — from Chinese expatriates and business travelers who frequently travel abroad, to foreign executives and locally hired employees overseas. Employees with different backgrounds face different health risks.

An effective healthcare protection system not only demonstrates care for key talents but also helps enterprises proactively manage future risks, minimizing the impact of absenteeism or emergency medical events on business continuity.

Featured Product:

Overseas Assignment and International Employee Group Medical Insurance Plan is a group medical insurance product underwritten by a professional insurance company, with MSH providing professional healthcare services. The product is designed to provide comprehensive global healthcare protection (excluding the United States) for core management teams and key technical talents assigned overseas by enterprises expanding internationally.

The product covers major health risks during overseas assignments, including daily medical treatment, chronic disease management, infectious disease prevention and control, and medical care related to transportation accidents. Enterprises can flexibly select benefit plans according to their needs to meet the diverse healthcare protection requirements of employees in different roles and companies of different sizes.

The product offers two plan options: International Coverage Plan 1 and International Coverage Plan 2.

International Coverage Plan 1 provides an annual maximum benefit limit of RMB 5 million, while International Coverage Plan 2 provides an annual maximum benefit limit of RMB 1 million. Both plans cover medical expenses in any country or region worldwide except the United States.

Inpatient medical expenses are reimbursed up to the annual maximum benefit limit. Outpatient medical expenses are reimbursed up to RMB 50,000 per insurance year and are only applicable to treatment received outside Mainland China.

The hospital network covers general departments, VIP departments, and international departments of public hospitals, as well as designated private medical institutions. Different self-payment ratios apply depending on hospital categories.

The plan allows insured employees’ spouses and children to enroll simultaneously and select the same coverage. Changes in family circumstances, such as marriage or the birth of a child, must be submitted in writing within 30 days for additional enrollment.

If an employee leaves the company, the employee’s final working day will be the termination date of insurance coverage, and premiums will be calculated on a daily basis.

Unlike conventional travel insurance, it focuses on the long-term and stable healthcare protection needs of overseas employees.

The product supports medical treatment at public hospitals, private hospitals, and designated international medical institutions worldwide. Leveraging MSH’s global direct billing medical network and professional healthcare service system, it provides customers with cashless medical services, global emergency medical assistance, specialist appointment services, hospitalization coordination, second medical opinions, and critical illness case management, extending insurance protection throughout the entire overseas healthcare journey.

To address the diverse healthcare management needs of overseas employees, it provides a comprehensive value-added service system, including the MSH WeChat client and mobile APP online service platforms, 24/7 bilingual Chinese-English call center support, dedicated customer service assistance for complex cases such as claims appeals and pre-authorization, high-quality hospital network direct billing services, pharmacy direct billing services (medicine delivery to the customer’s door), advance payment services for inpatient treatment outside the direct billing network, second medical opinions, MSH hospital representative services (including Huashan Hospital International Medical Center, Ruijin Hospital VIP Healthcare Center, Beijing Union Medical College Hospital International Medical Department, and other leading hospitals), EAP Services, and 24/7 online health consultation services.

International Coverage Plan 1 additionally provides professional and thoughtful care services, including one-on-one in-hospital medical companionship and daily care services, as well as post-discharge home nursing services. These services are available once per insurance year for a maximum of three days and can be used by immediate family members of the insured, further helping overseas employees enjoy a more secure and worry-free international healthcare experience.

Key Coverage Features

● Annual maximum benefit limit of RMB 5 million (International Coverage Plan 1) / RMB 1 million (International Coverage Plan 2), covering overseas inpatient and outpatient medical expenses

● Coverage across any country or region worldwide except the United States

● Access to public hospitals, private hospitals, and designated international medical institutions worldwide

● Global emergency medical assistance and medical evacuation services

● MSH global direct billing medical network, providing cashless overseas healthcare experience

● Pharmacy direct billing services (medicine delivery to the customer’s door) and advance payment services for inpatient treatment outside the direct billing network

● Second medical opinions, critical illness case management, and global medical coordination

● “Xin” Emotion Psychological Assistance Services and 24/7 online health consultation services

● MSH hospital representative services at leading hospitals including Huashan Hospital, Ruijin Hospital, and Beijing Union Medical College Hospital

● Additional professional care services included in International Coverage Plan 1 (in-hospital companionship + post-discharge home nursing)

● Dedicated customer managers and 24/7 bilingual Chinese-English customer service

● Flexible family protection options allowing spouses and children of insured employees to enroll together