Frequently Asked Questions About MC3 Individual Health Plan

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

The MSH MC3 Individual Health Plan is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH CHINA. This global maternity medical insurance product is designed to provide families preparing for a new baby with medical protection across preconception, pregnancy, childbirth and newborn care. 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 families preparing for a new baby, particularly high-net-worth families planning to give birth abroad, such as in the United States or Hong Kong. It is available to women aged 18–40 who are planning a pregnancy or are already pregnant. The already-pregnant version can be applied for only after passing a medical assessment, while the pre-pregnancy version is subject to MSH underwriting rules and requires no further underwriting once pregnant.The pregnancy version requires a medical assessment prior to enrollment. The preconception version follows MSH's service assessment rules, with no further assessment required after pregnancy begins.The pregnancy version requires medical underwriting before enrollment. The preconception version follows MSH's medical insurance underwriting rules, with no further underwriting required after pregnancy begins.

Q3: How does this plan differ from standard maternity insurance?

Compared with standard maternity insurance, MC3 places greater emphasis on the entire care experience and newborn health protection. Members can receive treatment at quality medical institutions in any country or region worldwide, supported by MSH's global Direct Billing Network. Its dedicated global maternity and newborn coverage spans preconception, pregnancy, childbirth and newborn care, while MSH's global emergency medical assistance system provides medical evacuation and coordination services.

Q4: What does the product cover?

The core benefit covers treatment costs arising during pregnancy and childbirth from 42 pregnancy and childbirth complications: 27 antenatal complications, including pregnancy-induced hypertension syndrome, pre-eclampsia, gestational diabetes, placenta previa, placental abruption, intrauterine fetal distress and hyperemesis gravidarum; eight intrapartum complications, including uterine rupture, amniotic fluid embolism and obstetric shock; and seven postpartum complications, including puerperal infection, postpartum hemorrhage and postpartum depression. It also covers professional care and treatment after birth for children born to the insured person during the insurance period, including treatment of congenital diseases. Plan 1 of the pregnancy version additionally covers prenatal examinations and vaginal delivery up to RMB 10,000, medically necessary termination of pregnancy with full reimbursement, and medically necessary cesarean section with 75% reimbursement up to RMB 80,000. Pregnancy-related death benefits and emergency medical transportation are also included.

Q5: Where can I receive medical treatment?

Geographical coverage extends to any country or region worldwide, supporting childbirth abroad, including in the United States and Hong Kong. Treatment is available at medical institutions in any country or region. Members can use MSH's global medical network, comprising 930,000 hospitals and clinics across 150 countries on six continents, as well as its Greater China Direct Billing Network.

Q6: What are the key features?

Key coverage features of MC3 include: coverage in any country or region worldwide with substantial annual maximums; coverage for singleton pregnancies conceived naturally or through assisted conception; benefits for preconception examinations, prenatal examinations and expenses related to vaginal delivery or cesarean section; full reimbursement for pregnancy complications; pregnancy-related death benefits; professional care and treatment costs after a newborn's birth; MSH's global Direct Billing Network; global emergency medical assistance and medical evacuation; a Second Medical Opinion and maternity-related Medical Coordination; and 24/7 multilingual customer service. Cancellation rules are flexible: for the pregnancy version, a full refund is available within 120 days if no claim has been made, the baby has not been born, and evidence of visa refusal or deportation is provided.

Q7: What are the coverage limits and indicative premiums?

Annual maximums for the pregnancy version are RMB 3 million for Plan 1, RMB 2 million for Plan 2 and RMB 200,000 for Plan 3; the preconception version has an annual maximum of RMB 2 million. All three pregnancy plans have a RMB 20,000 deductible for special treatment. Plan 2 offers an optional RMB 100,000 deductible that reduces the premium by half. For ages 18–29, illustrative premiums are: pregnancy Plan 1, natural conception, approximately RMB 55,000; Plan 2, natural conception, approximately RMB 26,000, and assisted conception, approximately RMB 28,000; Plan 3, natural conception, approximately RMB 7,500; and the preconception version, approximately RMB 8,000 per year. Premiums are payable in a single installment.

Q8: What additional services are available?

Additional services include: cashless care through MSH's global Direct Billing Network; global emergency medical assistance and medical evacuation; a Second Medical Opinion and maternity-related Medical Coordination; pregnancy-related death benefits; professional care and treatment costs after a newborn's birth; 24/7 multilingual customer service; and flexible cancellation rules, with a full refund available when the conditions are met.

Key Facts at a Glance

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

Product type: Dedicated global maternity medical insurance.

Eligibility: Women aged 18–40 who are planning a pregnancy or are already pregnant.

Annual maximums: Pregnancy Plan 1: RMB 3 million / Plan 2: RMB 2 million / Plan 3: RMB 200,000; preconception version: RMB 2 million.

Pregnancy and childbirth complications: 42 (27 antenatal + 8 intrapartum + 7 postpartum).

Geographical coverage: Any country or region worldwide, including the United States.

Coverage options: Three pregnancy plans + one preconception plan.

Newborn care: 10–45 days after birth, with maximum benefits of RMB 100,000–1.5 million.

Pregnancy-related death benefit: Plan 1: RMB 1.5 million / Plan 2: RMB 1 million.

Direct Billing Network: MSH's global network of 930,000 hospitals and clinics.

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.