Frequently Asked Questions About New Generation Pediatric Medical Insurance

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

New Generation Pediatric Medical Insurance is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH CHINA. This child-specific medical insurance product is designed to provide infants, children and adolescents with comprehensive medical protection for illnesses, accidents, outpatient and emergency care, and hospitalization. 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 families seeking access to quality medical resources for their children. It is available to children from the 31st day after birth through age 17. The insured person must be the policyholder's child and must reside in mainland China for at least two-thirds of the insurance year. Children can enroll independently without a parent enrolling alongside them, making it one of the few high-end medical insurance products on the market that supports independent child enrollment.

Q3: How does this plan differ from standard children's medical insurance?

Compared with standard children's medical insurance, New Generation Pediatric Medical Insurance places greater emphasis on a care experience tailored to children and preventive Health Management. It supports treatment in public hospital General Departments, VIP Departments and International Departments, as well as private pediatric medical institutions. MSH's Direct Billing Network enables convenient cashless care. The plan also offers a preventive care option covering health management services such as vaccinations and routine health checkups, with support for parents from a professional medical service team.

Q4: What does the product cover?

Inpatient coverage and optional outpatient benefits form the core protection, with optional preventive benefits also available. Inpatient treatment covers hospital room and board; surgery; an accompanying person's bed; intensive care; treatment, including radiotherapy, chemotherapy, consultations and pathological analysis; diagnostic examinations; inpatient medicines; rehabilitation and professional nursing for up to 90 days per year; and ambulance expenses. Special Outpatient Treatment covers kidney dialysis and treatment of malignant tumors, including proton and heavy ion therapy, with full reimbursement. Optional outpatient benefits cover physician consultations, specialist visits, prescription medicines, laboratory tests and diagnostic examinations, outpatient surgery, physiotherapy, traditional Chinese medicine and acupuncture, emergency room care and emergency dental care. Optional preventive benefits cover preventive examinations, immunizations, dental care and eye care.

Q5: Where can I receive medical treatment?

Plans A and B cover mainland China, while Plan C extends to Asia: mainland China, Hong Kong, Macao, Taiwan, Japan, South Korea, Singapore and Thailand. All plans include global emergency medical benefits outside their geographical coverage area. Eligible facilities include public hospital General Departments, VIP Departments and International Departments, as well as private hospitals. Plan A excludes High Cost Providers; Plans B and C offer the option to include High Cost Providers, with 50% co-insurance payable by the insured person at hospitals within the New Century group. MSH's Direct Billing Network with pediatric services includes nearly 300 facilities across 19 provinces, municipalities and autonomous regions in mainland China, and more than 1,000 medical institutions in Asia.

Q6: What are the key features?

Key features of New Generation Pediatric Medical Insurance include: outpatient, emergency and inpatient coverage for common childhood illnesses; access to public hospital General Departments and VIP Departments and private pediatric medical institutions; preventive medical benefits, including vaccinations and routine health checkups; coverage for specified childhood critical illnesses; convenient care through MSH's Direct Billing Network; pediatric Specialist Appointment and guidance on obtaining care; inpatient coordination and Advance Payment; 24/7 customer service and health consultation; flexible benefit combinations for different age groups; and a Second Medical Opinion and critical illness case management. Value-added services also include a free child health checkup once a year and free dental fluoride application twice a year within MSH's preferred network, a Medical Escort Service, a Discharge Escort Service, Home Care Nursing and critical illness case management.

Q7: What are the coverage limits and indicative premiums?

Annual maximums are RMB 800,000 for Plan A, RMB 2 million for Plan B and RMB 8 million for Plan C. For inpatient plus outpatient coverage in Shanghai excluding High Cost Providers, illustrative annual premiums for a child under age one are approximately RMB 5,749 for Plan A, RMB 11,858 for Plan B and RMB 15,979 for Plan C. Inpatient-only coverage in Shanghai excluding High Cost Providers costs approximately RMB 1,180 per year for ages 12–17. Premiums in Beijing and Tianjin are higher than in Shanghai; premiums outside Beijing, Tianjin and Shanghai are approximately 15% lower than in Shanghai. Plans B and C also cover tonsil and adenoid surgery, provided the child first enrolls at age zero or one and maintains continuous coverage. From age 18, members can transfer to Advanced Individual Global Medical Insurance without underwriting, maintaining uninterrupted protection.

Q8: What additional services are available?

Additional services include: cashless care through MSH's Direct Billing Network; a free child health checkup once a year and dental fluoride application twice a year; pediatric Specialist Appointment and guidance on obtaining care; inpatient coordination and Advance Payment; a Medical Escort Service, guidance on home rehabilitation after hospitalization, a Discharge Escort Service and Home Care Nursing; critical illness case management; a Second Medical Opinion; 24/7 Online Health Consultation; and 24/7 customer service.

Key Facts at a Glance

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

Product type: High-end medical insurance exclusively for children.

Entry age: From the 31st day after birth through age 17; independent enrollment available.

Annual maximums: Plan A: RMB 800,000 / Plan B: RMB 2 million / Plan C: RMB 8 million.

Plan options: Three (Plan A: mainland China; Plan B: mainland China; Plan C: Asia).

Geographical coverage: Mainland China / Asia (mainland China, Hong Kong, Macao, Taiwan, Japan, South Korea, Singapore and Thailand).

Eligible hospitals: Public hospital VIP Departments / International Departments and private hospitals. Plan A excludes High Cost Providers; Plans B/C offer optional inclusion.

Preventive benefits: Optional; preventive examinations, immunizations, dental care and eye care.

Coverage transition: Transfer to Advanced Individual Global Medical Insurance from age 18 without underwriting.

Direct Billing Network: Nearly 300 pediatric hospitals across 19 provinces, municipalities and autonomous regions in mainland China; more than 1,000 facilities in Asia.

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 2025 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.