Frequently Asked Questions About China Expat Insurance Plan (CEI Plan)

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

The CEI Plan is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services and operational support provided by MSH CHINA. This high-end medical insurance product is designed for expatriates working and living in China. Drawing on more than 20 years of experience in international health insurance services, MSH CHINA is responsible for operational support, the global Direct Billing Network and customer service.

Q2: Who is this product suitable for?

The plan is suitable for expatriates working and living in China and their families. The maximum entry age is 64, with no age limit for renewal. Dependants may include a spouse or children under age 21 at the time of application (under age 26 for full-time students). Customer service is available in more than 10 languages, including Chinese, English and French, together with a 24-hour bilingual hotline staffed by service representatives. International Enhanced Coverage can cover treatment in the insured person's home country and third countries, making the plan particularly suitable for expatriates who frequently travel between countries.

Q3: How does this plan differ from other high-end medical insurance?

Designed exclusively for expatriates, the CEI Plan differs from standard high-end medical insurance in three main ways. First, it provides an annual maximum of RMB 16 million with no lifetime limit and 100% reimbursement at High Cost Providers. Second, customer service in more than 10 languages and a 24-hour bilingual hotline staffed by service representatives help overcome language barriers. Third, International Enhanced Coverage can extend to treatment in the insured person's home country or a third country, with an optional emergency medical evacuation benefit to the country of nationality, addressing the practical needs of expatriates who live and work internationally.

Q4: What does the product cover?

The plan centers on inpatient coverage and comprises five benefit sections. Inpatient treatment covers operating rooms and emergency rooms; hospital room and board; an accompanying person's bed; intensive care; treatment, including radiotherapy, chemotherapy, consultations and pathological analysis; diagnostic examinations; inpatient medicines; reconstructive surgery; durable medical equipment; hospice care for up to 45 days; rehabilitation and professional nursing for up to 90 days; and consultations, examinations and laboratory tests within 90 days before admission and after discharge. Special Outpatient Treatment covers outpatient surgery, kidney dialysis and treatment of malignant tumors, including proton and heavy ion therapy, with full reimbursement. Additional optional benefits include outpatient care (annual limit: RMB 60,000), dental care, health checkups, maternity benefits (up to RMB 60,000 or RMB 100,000 per pregnancy) and emergency medical evacuation to the country of nationality.

Q5: Where can I receive medical treatment?

There are two geographical coverage options: Mainland China Enhanced Coverage (mainland China only) and International Enhanced Coverage (worldwide excluding the United States). Both include emergency medical coverage outside the normal geographical area, up to RMB 1 million, and offer optional emergency medical evacuation to the country of nationality. Eligible facilities include public and private hospitals, with 100% reimbursement at High Cost Providers. The reference list of High Cost Providers includes Raffles clinics in various locations, United Family hospitals and clinics, Shanghai East International Medical Center, Shanghai International Medical Center, Shanghai WorldPath Clinic International, Hong Kong Adventist Hospital, Matilda International Hospital and Hong Kong Sanatorium & Hospital, and Mount Elizabeth Hospital, Gleneagles Hospital and Mount Elizabeth Novena Hospital in Singapore. The Direct Billing Network covers more than 2,519 hospitals and clinics across 70 cities in Greater China.

Q6: What are the key features?

Key features of the CEI Plan include: an annual maximum of RMB 16 million with no lifetime limit; 100% reimbursement at High Cost Providers; flexible combinations of inpatient, outpatient, dental, health checkup and maternity benefits; customer service in more than 10 languages and a 24-hour bilingual hotline staffed by service representatives; International Enhanced Coverage for treatment in the insured person's home country and third countries; optional emergency medical evacuation to the country of nationality; cashless care through MSH's Greater China Direct Billing Network; and health management services such as a global Second Medical Opinion, MSH Hospital Representatives, psychological assistance and online health consultation. Additional advantages include a no-claims renewal discount of up to 20% after four or more consecutive years, a 20% discount on the inpatient premium with a RMB 15,000 inpatient deductible, a 25% discount on the outpatient premium with 20% outpatient co-insurance payable by the insured person, an option to include High Cost Providers, an 8% family discount for three or more insured persons, a 15% residence-based discount for those living outside Beijing, Shanghai, Guangzhou and Shenzhen, newborn enrollment without underwriting, and a Pharmacy Direct Billing Service with home delivery.

Q7: What are the coverage limits and indicative premiums?

The annual maximum is RMB 16 million, with no lifetime limit. Premiums vary by coverage type, geographical area and age. For International Enhanced Coverage including High Cost Providers, illustrative annual premiums for inpatient plus outpatient coverage are approximately RMB 20,489 for ages 25–29, RMB 27,168 for ages 35–39, RMB 41,017 for ages 45–49 and RMB 56,453 for ages 55–59. Inpatient-only coverage costs approximately RMB 12,489 per year for ages 35–39. Additional premiums for optional benefits are approximately RMB 27,219 for maternity benefits with a RMB 60,000 limit, RMB 42,745 for a RMB 100,000 maternity limit, RMB 2,499 for adult health checkups and RMB 1,161 for emergency medical evacuation to the country of nationality. Premiums are payable in a single installment.

Q8: What additional services are available?

Additional services include: cashless care through the MSH Direct Billing Network; customer service in more than 10 languages and a 24-hour bilingual hotline staffed by service representatives; a global Second Medical Opinion, MSH Hospital Representatives, psychological assistance and online health consultation; a Pharmacy Direct Billing Service with home delivery; optional emergency medical evacuation to the country of nationality; and no-claims renewal and family discounts.

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 expatriates.

Annual maximum: RMB 16 million; no lifetime limit.

Plan options: Two (Mainland China Enhanced and International Enhanced).

Geographical coverage: Mainland China / worldwide excluding the United States.

Eligible hospitals: Public and private hospitals, with 100% reimbursement at High Cost Providers.

Pre-existing conditions: Not covered.

Optional benefits: Outpatient care, dental care, health checkups, maternity and emergency medical evacuation to the country of nationality.

Maximum entry / renewal age: 64 / no age limit for renewal.

Direct Billing Network: More than 2,519 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 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.