Designed to meet the flexible healthcare protection needs of employees and their families, Portable Workplace Mid-to-High-End Medical Insurance breaks the traditional boundaries between group insurance and individual insurance, providing an innovative protection solution that allows employees to enroll while employed and retain coverage after leaving the company.

Using enterprises as the access point, the product provides individual mid-to-high-end medical insurance protection for employees and their family members. Employees can flexibly select benefit plans and additional coverage based on their personal and family needs, enabling insurance protection to move with the individual.

Leveraging MSH’s established medical network and professional service teams, employees and their families can enjoy convenient direct billing medical services, medical coordination, and claims support, receiving high-quality healthcare protection with greater confidence and peace of mind.

Unlike traditional enterprise supplementary medical insurance, Portable Workplace Mid-to-High-End Medical Insurance places greater emphasis on the sustainability and portability of employee benefits.

The product not only covers employees’ healthcare protection needs during employment, but also enables employees to convert their policies into individual renewal plans after leaving the company, effectively addressing coverage gaps caused by career changes and transforming enterprise benefits from “employment-based benefits” into employees’ “personal assets.”

Featured Product:

ZhiAnXin Individual Medical Insurance is a mid-to-high-end individual medical insurance product underwritten by China Continent Property & Casualty Insurance Co., Ltd., with MSH providing professional healthcare services.

Designed specifically for employees and their families, the product enables employees to obtain comprehensive healthcare protection solutions for themselves and their family members at exclusive corporate group purchase rates, balancing healthcare quality, coverage scope, and premium costs.

The product covers core medical benefits including inpatient care, outpatient care, special outpatient services, and critical illness treatment. Employees can flexibly select benefit plans, deductibles, and additional coverage based on different life stages, meeting diverse healthcare protection needs across different circumstances, including single individuals, married couples, families with children, and retirement planning.

The product offers three flexible plan options: Cancer Protection Plan (Plan 1), Mid-End Plan (Plan 2), and High-End Plan (Plan 3).

Plan 1 (Cancer Protection Plan) covers cancer treatment expenses, including carcinoma in situ and malignant tumors, at VIP departments and international departments of public hospitals.

Plan 2 (Mid-End Plan) provides comprehensive coverage for all diseases and supports treatment at general departments, VIP departments, and international departments of public hospitals, as well as designated private medical institutions. Coverage for pre-existing conditions increases annually until reaching full reimbursement.

Plan 3 (High-End Plan) covers Mainland China as well as Hong Kong, Macao, and Taiwan regions, and supports treatment at non-high-cost private hospitals, meeting employees’ personalized needs for healthcare quality and coverage scope.

The product supports medical treatment at general departments, VIP departments, and international departments of public hospitals, as well as designated private medical institutions. Leveraging MSH’s direct billing medical network covering more than 2,519 hospitals across 70 cities in China and its professional healthcare service system, customers can enjoy cashless direct billing, specialist appointment services, hospitalization coordination, medical advance payment, second medical opinions, and critical illness case management, extending insurance protection throughout the entire healthcare journey.

To address the growing healthcare protection needs of employees and their families, ZhiAnXin Individual Medical Insurance introduces a unique pre-existing condition protection mechanism.

Employees who enroll for themselves and their families while employed can secure eligibility for future protection. Once approved, reimbursement limits for pre-existing conditions will increase annually and reach full reimbursement from the fourth year onward, helping avoid the risk of being unable to purchase individual commercial medical insurance due to pre-existing condition records after group insurance coverage ends.

This mechanism further enhances the product’s long-term value and breadth of protection.

At the same time, the product allows family members, including spouses, children, and both parents, to enroll together. Customers who purchase during the first month can enjoy additional early-bird discounts.

Leveraging enterprise group purchasing advantages, employees can access high-quality healthcare protection at premiums significantly lower than comparable individual medical insurance products in the market, helping employees and their families build a lifelong healthcare protection system within a reasonable budget.

Key Coverage Features

● Comprehensive annual maximum benefit limits covering inpatient care, outpatient care, special outpatient services, and other healthcare needs

● Three plan options available: Cancer Protection Plan (Plan 1) / Mid-End Plan (Plan 2) / High-End Plan (Plan 3)

● Coverage for general departments, VIP departments, and international departments of public hospitals, as well as designated private and high-cost hospitals

● MSH direct billing medical network covering 70 cities and more than 2,519 hospitals nationwide, with 100% hospitalization direct billing arrangement at hospitals listed in Fudan University’s Top 100 Hospitals ranking

● Pre-existing condition protection mechanism: approved pre-existing condition claims covered up to RMB 5,000 in the first year, RMB 10,000 in the second year, RMB 15,000 in the third year, and fully reimbursed from the fourth year onward

● Comprehensive healthcare services including second medical opinions, critical illness green channel services, and hospitalization companionship

● Enrollment available during employment with portability after resignation, supporting simplified underwriting for group-to-individual conversion and seamless continuation of coverage

● Family members (spouse, children, and both parents) can enroll together, enabling family-wide healthcare protection

● Exclusive corporate group purchase pricing with additional early-bird discounts, offering better value compared with similar individual medical insurance products

● Supports integration with flexible benefits platforms, allowing employees to redeem coverage through benefit points without additional enterprise costs

● Dedicated customer managers and 24/7 customer service and health consultation support