Frequently Asked Questions About MSH Elite Choice Individual Health Plan

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

The MSH Elite Choice Individual Health Plan 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 medical care quality, breadth of coverage and value for money for individuals and families at different life stages. 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 individuals and families who value medical care quality and cost-effective protection, including middle-class families seeking pre-existing condition coverage and outpatient benefits, and people wishing to upgrade from general medical services to care in VIP Departments and International Departments. Children aged six and above can enroll independently without a parent enrolling alongside them. A child who has reached age six at application may enroll independently as the principal insured person.

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, the MSH Elite Choice Individual Health Plan places greater emphasis on the actual care experience. It supports treatment in public hospital General Departments, VIP Departments and International Departments, as well as designated private medical institutions. MSH's nationwide Direct Billing Network and professional medical service system enable cashless care. The plan also offers optional pre-existing condition coverage: through manual underwriting, eligible conditions present before coverage begins, such as hypertension, high blood glucose, high blood lipids, nodules, stones and gastritis, can receive dedicated coverage with limits that increase annually.

Q4: What does the product cover?

The plan centers on inpatient 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; rehabilitation; and durable medical equipment. Special Outpatient Treatment covers outpatient care 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. Plans B and C include overseas specialty drug coverage: after at least three lines of treatment in China, members may receive specialty drugs not approved for marketing in mainland China in Hong Kong, Singapore or Japan, up to RMB 2 million per year. Plan C additionally provides outpatient coverage with an annual limit of RMB 30,000. The product has two versions, including or excluding pre-existing conditions; switching between the two versions is not permitted at renewal.

Q5: Where can I receive medical treatment?

Geographical coverage is mainland China, with overseas specialty drug benefits under Plans B and C extending to Hong Kong, Singapore and Japan. Plan A covers public hospital General Departments, VIP Departments and International Departments and designated private medical institutions, but excludes three leading International Departments: Peking Union Medical College Hospital in Beijing, China-Japan Friendship Hospital and Huashan Hospital in Shanghai. Plans B and C cover public hospital General Departments, VIP Departments and International Departments and designated private medical institutions without these exclusions.

Q6: What are the key features?

Key features of the MSH Elite Choice Individual Health Plan include: medical coverage with an annual maximum of up to RMB 8 million under the highest plan; optional pre-existing condition coverage for eligible conditions present before coverage begins, with limits increasing annually and full reimbursement as agreed from the fourth year; independent enrollment for children without a parent enrolling alongside them; coverage for public hospital General Departments, VIP Departments and International Departments and designated private hospitals; cashless care through a Direct Billing Network of more than 370 partner hospitals nationwide; overseas specialty drug benefits under designated plans, covering locations including Hong Kong, Singapore and Japan; coverage for Special Outpatient Treatment and advanced therapies such as proton and heavy ion therapy and targeted therapy; a Second Medical Opinion, critical illness case management and Medical Coordination; and 24/7 customer service, claims support and health consultation. Employees in Shanghai can also purchase the plan using accumulated balances from prior years in their medical insurance personal accounts.

Q7: What are the coverage limits and indicative premiums?

The inpatient sum insured is RMB 2 million for Plan A and RMB 8 million for Plans B and C. Only Plan C provides outpatient benefits, with an annual limit of RMB 30,000. For ages 18–24, illustrative annual premiums for the version excluding pre-existing conditions are: Plan A, RMB 399 with a RMB 20,000 deductible or RMB 532 with a RMB 10,000 deductible; Plan B, RMB 719 with a RMB 20,000 deductible or RMB 2,178 with a zero deductible; and Plan C, RMB 4,901 with a RMB 20,000 deductible or RMB 6,126 with a zero deductible. For the version including pre-existing conditions, Plan A costs RMB 718 per year with a RMB 20,000 deductible, and Plan B costs RMB 1,064 per year with a RMB 20,000 deductible. Family discounts are 5% for two members, 10% for three and 15% for four or more.

Q8: What additional services are available?

Additional services include: cashless care through the MSH Direct Billing Network; overseas specialty drug coverage for severe illnesses with an annual limit of RMB 2 million; a deductible waiver for malignant tumors from the second year of uninterrupted coverage; a Second Medical Opinion, critical illness case management and Medical Coordination; 24/7 customer service, claims support and health consultation; a Medical Escort Service and Medical Assistance; and a dedicated application channel for Shanghai medical insurance personal accounts.

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; a mid-market flagship product.

Annual maximums: Plan A: RMB 2 million / Plans B and C: RMB 8 million.

Plan options: Three (Plans A and B: inpatient only; Plan C: inpatient plus outpatient).

Geographical coverage: Mainland China; overseas specialty drug benefits cover Hong Kong, Singapore and Japan.

Eligible hospitals: Public hospital VIP Departments and International Departments and designated private medical institutions.

Pre-existing conditions: Optional, with versions including or excluding coverage. The inclusion version has a first-year limit of RMB 5,000, increasing by RMB 5,000 annually, with full reimbursement from the fourth year.

Outpatient benefits: Plan C only, with an annual limit of RMB 30,000.

Independent child enrollment: Available from age six.

Medical insurance personal accounts: Shanghai employees can use accumulated balances from prior years to purchase the plan.

Maximum entry / renewal age: Plan A: 45; Plans B and C: 64; renewal up to age 99.

Direct Billing Network: More than 370 facilities in 70 cities across Greater China.

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 2026 edition of the policy terms and conditions. If the terms and conditions are updated, the latest policy terms and conditions and insurance contract shall prevail.