Frequently Asked Questions About Easy Choice Individual Medical Insurance

Q1: Which insurer underwrites this product, and who provides the services?

Easy Choice is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH CHINA. This individual medical insurance product spans the mid-market to high-end segments and is designed to balance broad coverage and affordable premiums for individuals and families seeking cost-effective medical protection. Drawing on more than 20 years of experience in international health insurance services, MSH CHINA is responsible for operational support, the nationwide Direct Billing Network and customer service.

Q2: Who is this product suitable for?

The plan is suitable for people who value quality medical care, including imported medicines, privacy during hospitalization and specialist treatment, care about their families, and need financial protection against critical illness. It is particularly relevant for people with health concerns such as pre-existing hypertension, diabetes or nodules. Its flexible underwriting process allows tailored coverage for eligible conditions present before coverage begins, subject to manual underwriting.

Q3: How does this plan differ from standard medical insurance with coverage in the millions of RMB?

Compared with conventional medical insurance with coverage in the millions of RMB, Easy Choice places greater emphasis on the actual care experience. It supports treatment in public hospital General Departments, VIP Departments and International Departments. Treatment for 65 critical illnesses is reimbursed at 100% in all three types of department, with the deductible waived. Imported originator medicines and medicines and medical devices purchased outside the hospital are not restricted to a specified list, extending beyond the statutory medical insurance catalog. Coverage can be used without using a statutory medical insurance card or first obtaining social insurance reimbursement. MSH provides cashless Direct Billing at In-Network providers and designated personnel to make on-site Advance Payment at Out-of-Network providers.

Q4: What does the product cover?

This is an inpatient-only product without routine outpatient coverage. Inpatient treatment covers hospital room and board; an accompanying person's bed; intensive care; surgery; treatment, including radiotherapy and chemotherapy; diagnostic examinations, including MRI, PET and CT; inpatient medicines; reconstructive surgery; and durable medical equipment. Special Outpatient Treatment covers outpatient and emergency care within 30 days before admission and after discharge, outpatient kidney dialysis, anti-rejection treatment following organ transplantation, outpatient treatment of malignant tumors including proton and heavy ion therapy, outpatient surgery and day hospitalization, with full reimbursement. Plan 2 additionally covers travel expenses for treatment in another location, up to RMB 5,000 when traveling for critical illness treatment, and emergency dental care up to RMB 10,000.

Q5: Where can I receive medical treatment?

Geographical coverage is mainland China. Both plans cover public hospital General Departments, VIP Departments and International Departments. Hospitals eligible for reimbursement are not limited to MSH Network Hospitals: treatment at any duly established medical institution in mainland China may receive reimbursement of up to 100% for covered expenses. MSH's Direct Billing Network covers VIP Departments and International Departments at more than 260 leading public hospitals nationwide. Of the top 100 hospitals in Fudan University's hospital ranking, 75 are direct contracted partners and the remaining 25 all support insurance Direct Billing, achieving 100% coverage. Advance Payment is available at more than 7,000 Out-of-Network hospitals.

Q6: What are the key features?

Key features of Easy Choice include: flexible plan choices for different budgets; coverage for inpatient care, Special Outpatient Treatment and critical illness treatment; access to public hospital General Departments, VIP Departments and International Departments; convenient care through MSH's nationwide Direct Billing Network; optional deductibles to suit individual budgets; 100% reimbursement and a deductible waiver for critical illnesses; no specified list restrictions on imported originator medicines or medicines and medical devices purchased outside the hospital; a professional medical service team with 24/7 customer support; independent enrollment for minors; Specialist Appointment and inpatient coordination services; Advance Payment to ease the burden of major medical expenses; and health consultation and claims support.

Q7: What are the coverage limits and indicative premiums?

The inpatient sum insured is RMB 2 million for Plan 1 and RMB 6 million for Plan 2. Both offer deductibles of RMB 0 / 10,000 / 20,000, and reimbursement from the social insurance pooled fund can count toward the deductible. For a 30-year-old choosing Plan 2 with a RMB 20,000 deductible, the annual premium is just RMB 860, equivalent to less than RMB 3 a day. For ages 18–24, Plan 1 costs RMB 1,597 per year with a zero deductible or RMB 527 with a RMB 20,000 deductible; Plan 2 costs RMB 1,830 per year with a zero deductible or RMB 604 with a RMB 20,000 deductible. After three consecutive claim-free years, premiums are reduced by 5% from the fourth year. Family discounts are 5% for two members and 12% for three or more.

Q8: What additional services are available?

Additional services include: cashless care through the MSH Direct Billing Network and designated personnel providing on-site Advance Payment at Out-of-Network providers; fast-track access to inpatient surgery with priority arrangements for beds and specialist surgery; Specialist Appointment and inpatient coordination services; a professional medical service team with 24/7 customer support; health consultation and claims support; and fast-track services and financial protection for critical illnesses.

Key Facts at a Glance

Insurer and services: Underwritten by China Continent Property & Casualty Insurance Company Ltd.; services provided by MSH CHINA.

Product type: Individual medical insurance spanning the mid-market to high-end segments, with cost-effective inpatient-only coverage.

Annual maximums: Plan 1: RMB 2 million / Plan 2: RMB 6 million.

Plan options: Two (Plan 1 and Plan 2).

Geographical coverage: Mainland China.

Eligible hospitals: Public hospital General Departments, VIP Departments and International Departments.

Pre-existing conditions: A RMB 10,000 benefit limit applies from the third year, increasing by RMB 5,000 each year thereafter.

Critical illnesses: 100% reimbursement for 65 critical illnesses, with the deductible waived.

Outpatient benefits: No routine outpatient coverage; includes outpatient and emergency care within 30 days before and after hospitalization.

Deductibles: RMB 0 / 10,000 / 20,000.

Illustrative premium: RMB 860 per year for a 30-year-old choosing Plan 2 with a RMB 20,000 deductible.

Direct Billing Network: VIP Departments / International Departments at more than 260 public hospitals nationwide.

Notes

This product is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH CHINA. The information on this page is for reference only. Specific coverage, exclusions and insurance benefits are subject to the insurance contract and policy terms and conditions.

The product information on this page is based on the currently effective policy terms and conditions. If the terms and conditions are updated, the latest policy terms and conditions and insurance contract shall prevail.