Frequently Asked Questions About MSH Advanced Individual Global Medical Insurance

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

Advanced Individual Global Medical Insurance is underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH CHINA. This high-end medical insurance product is designed to provide enhanced, comprehensive health protection for individuals and families seeking quality medical care and value for money. 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 individuals and families seeking a balance between quality medical care and value for money, particularly professionals and middle-class families in good health, without pre-existing conditions or maternity coverage needs. The maximum entry age is 64, with renewal available up to age 99. Parents and children can configure coverage flexibly: adults may individually choose whether to include outpatient benefits and select an inpatient deductible, while geographical coverage and the hospital reimbursement category must remain consistent within the family.

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, Advanced Individual Global Medical Insurance places greater emphasis on the actual care experience. It supports treatment in public hospital General Departments, VIP Departments and International Departments, as well as private medical institutions, with the option to include or exclude High Cost Providers. It offers an annual maximum of RMB 8 million and flexible combinations of inpatient and outpatient benefits. Inpatient-only plans offer four deductible levels with premium discounts of up to 60%. MSH's Direct Billing Network across China, Asia and beyond to the rest of the world enables convenient cashless care.

Q4: What does the product cover?

Inpatient coverage is the core benefit, with outpatient coverage available as an option. Inpatient treatment covers hospital room and board in a standard single room; an accompanying person's bed; intensive care; surgery; physician consultations; anesthesia; nursing; treatment; diagnostic examinations; mental illnesses; reconstructive surgery; durable medical equipment; hospice care for up to 45 days per year; and rehabilitation and professional nursing for up to 90 days per year. Outpatient expenses within 90 days before and after hospitalization are covered. Special Outpatient Treatment covers outpatient surgery, kidney dialysis, anti-rejection treatment following organ transplantation, and electrotherapy, chemotherapy, radiotherapy, targeted therapy, immunotherapy, endocrine therapy, and proton and heavy ion therapy for malignant tumors, with full reimbursement. Optional outpatient benefits cover physician consultations, specialist visits, prescription medicines, laboratory tests and diagnostic examinations, physiotherapy, traditional Chinese medicine and acupuncture, sleep studies and treatment, and mental illnesses, within the annual outpatient limit. New policies have a 30-day waiting period for both inpatient and outpatient benefits, except for accidental injuries.

Q5: Where can I receive medical treatment?

There are three geographical coverage options: Greater China Enhanced Coverage (mainland China, Hong Kong, Macao and Taiwan); International Enhanced Coverage (worldwide excluding the United States and Canada); and Worldwide Coverage (any country or region worldwide). For the Greater China and International options, members may choose public and private hospitals either excluding or including High Cost Providers. The Worldwide option includes High Cost Providers by default. The reference list of High Cost Providers includes Beijing New Century, Beijing United Family, Raffles Medical, Shanghai East International Hospital, and Hong Kong Adventist Hospital, Hong Kong Sanatorium & Hospital and Matilda International Hospital. MSH's Direct Billing Network covers more than 2,787 hospitals and clinics across 80 cities in Greater China; its global network comprises approximately 1.3 million hospitals and clinics across 150 countries on six continents.

Q6: What are the key features?

Key features of Advanced Individual Global Medical Insurance include: access to quality medical resources worldwide and emergency medical coverage in the millions of RMB for overseas travel; core inpatient, outpatient and Special Outpatient Treatment benefits; coverage for public hospital VIP Departments and International Departments and private hospitals; overseas travel emergency medical coverage in the millions of RMB, supported by emergency medical evacuation and Medical Coordination through MSH's global emergency assistance system; convenient cashless care through MSH's Direct Billing Network; a dedicated account manager for one-stop service; coverage for advanced treatment technologies in China and abroad; a Second Medical Opinion, critical illness case management and Health Management support; and 24/7 customer service with bilingual Chinese and English support.

Q7: What are the coverage limits and indicative premiums?

All plans have an annual maximum of RMB 8 million. The annual outpatient limit is RMB 40,000 for the Greater China option and RMB 80,000 for the International and Worldwide options. Premiums vary by region, benefit configuration, coverage tier, hospital option and age. For residents outside Beijing and Tianjin, illustrative annual premiums for inpatient plus outpatient coverage with a zero deductible under the Greater China option excluding High Cost Providers are approximately RMB 15,872 for ages 25–29, RMB 20,741 for ages 35–39 and RMB 33,675 for ages 50–54. Inpatient-only coverage with a zero deductible under the same geographical and hospital option costs approximately RMB 5,722 per year for ages 25–29 and RMB 8,336 for ages 35–39. Inpatient-only plans offer deductibles of RMB 0 / 12,000 / 30,000 / 50,000; the latter three provide premium discounts of 25%, 45% and 60%, respectively. A 5% family discount is available.

Q8: What additional services are available?

Additional services include: cashless care through the MSH Direct Billing Network; emergency medical coverage in the millions of RMB for overseas travel and global emergency assistance; a Second Medical Opinion, critical illness case management and Health Management support; MSH Hospital Representatives and a Medical Escort Service; 24/7 Online Health Consultation; and a dedicated account manager with 24/7 bilingual Chinese and English 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 with flexible options.

Annual maximum: RMB 8 million.

Plan options: Three (Greater China Enhanced, International Enhanced and Worldwide Coverage).

Geographical coverage: Greater China / worldwide excluding the United States and Canada / worldwide including the United States.

Eligible hospitals: High Cost Providers can be included or excluded; included by default under Worldwide Coverage.

Pre-existing conditions: Not covered.

Maternity benefits: Not available.

Outpatient benefits: Optional, with an annual limit of RMB 40,000–80,000.

Deductibles: RMB 0 / 12,000 / 30,000 / 50,000, with premium discounts of up to 60%.

Maximum entry / renewal age: 64 / 99.

Direct Billing Network: More than 2,787 facilities in 80 cities across Greater China; 1.3 million facilities worldwide.

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.