Frequently Asked Questions About MSH Premier Individual Global Medical Insurance

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

Premier 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 comprehensive protection and access to quality medical resources worldwide for high-net-worth individuals, corporate executives and others seeking the highest standards of medical 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 high-net-worth individuals and families who need coverage for pre-existing conditions, are planning a pregnancy, or require access to medical care worldwide, including in the United States and Canada. It also suits corporate executives, expatriates and others seeking the highest standards of medical care. The maximum entry age is 70, with renewal available up to age 99.

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

Compared with standard high-end medical insurance, Premier Individual Global Medical Insurance places greater emphasis on the global care experience. Members can receive treatment at public hospitals, private hospitals and renowned international medical institutions worldwide, with full coverage at High Cost Providers, and enjoy cashless care through MSH's global Direct Billing Network. In particular, it is one of the few high-end medical insurance products on the market that can cover pre-existing conditions, subject to medical underwriting, with a first-year limit of RMB 7,500 increasing by 50% annually, and offers optional maternity benefits. Outpatient expenses are reimbursed in full without a separate annual outpatient limit.

Q4: What does the product cover?

Inpatient and outpatient benefits form the core coverage. Inpatient treatment covers hospital room and board in a standard single room; intensive care; surgery; anesthesia; nursing; treatment, including radiotherapy and chemotherapy; diagnostic examinations, including MRI, PET and CT; mental illnesses; hospice care; and rehabilitation and nursing. 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. Outpatient coverage is optional and includes physician consultations, specialist visits, prescription medicines, laboratory tests and diagnostic examinations, physiotherapy, traditional Chinese medicine and acupuncture, and homeopathy. Additional benefits include an enhanced wellness package for health checkups, vaccinations, dental care and eye care, with a limit of RMB 5,000 or RMB 8,000, and a choice of one preventive screening option: Chang Wei Qing, You You Guan or HPV testing.

Q5: Where can I receive medical treatment?

There are three geographical coverage categories: Enhanced Coverage for 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). All plans include global emergency medical coverage as standard: customers experiencing a sudden severe or critical illness or serious accidental injury while traveling or working abroad can receive Global Emergency Medical Evacuation and medical transportation services. For hospital coverage, Tier A for Mainland China, Hong Kong, Macao and Taiwan excludes High Cost Providers; Tier B and higher plans cover High Cost Providers in full. These include Beijing United Family, Beijing New Century, Shanghai East International Medical Center, Hong Kong Adventist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital and Mount Elizabeth Hospital in Singapore. 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 Premier Individual Global Medical Insurance include: substantial annual maximums for medical expenses worldwide; comprehensive inpatient, outpatient and Special Outpatient Treatment benefits; coverage for public hospitals, private hospitals and renowned international medical institutions worldwide; Global Emergency Medical Evacuation and medical transportation; cashless care through MSH's global Direct Billing Network; pre-existing condition coverage under designated plans to meet long-term protection needs; newborn enrollment without underwriting for continuity of family coverage; coverage for advanced medical technologies, including proton and heavy ion therapy and targeted therapy; a Second Medical Opinion, critical illness case management and global Medical Coordination; and a dedicated account manager with 24/7 multilingual customer service.

Q7: What are the coverage limits and indicative premiums?

All plans have an annual maximum of RMB 8 million, with no separate annual outpatient limit. Premiums vary by region, benefit configuration, coverage tier and age. For residents outside Beijing and Tianjin choosing inpatient plus outpatient coverage with a zero deductible, illustrative annual premiums for Tier A covering Mainland China, Hong Kong, Macao and Taiwan are approximately RMB 29,037 for ages 25–29, RMB 34,995 for ages 35–39 and RMB 51,605 for ages 50–54. Worldwide Coverage costs approximately RMB 80,534 per year for ages 35–39. Inpatient-only coverage under Mainland Tier A with a zero deductible costs approximately RMB 18,197 per year for ages 35–39. A 5% family discount applies when two or more family members enroll together. Premiums must be paid 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 Evacuation and medical transportation; a Second Medical Opinion, critical illness case management and global Medical Coordination; MSH Hospital Representatives, a Medical Escort Service and Home Care Nursing; 24/7 Online Health Consultation and psychological assistance; and a dedicated account manager with 24/7 multilingual 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, MSH's flagship offering.

Annual maximum: RMB 8 million.

Plan options: Four (Enhanced Coverage for Mainland China, Hong Kong, Macao and Taiwan, Tiers A/B; International Enhanced; and Worldwide Coverage).

Geographical coverage: Mainland China, Hong Kong, Macao and Taiwan / worldwide excluding the United States and Canada / worldwide including the United States.

Eligible hospitals: Tier A excludes High Cost Providers; Tier B and higher plans include them with full coverage.

Pre-existing conditions: Insurable subject to medical underwriting; first-year limit of RMB 7,500, increasing by 50% annually.

Maternity benefits: Optional, with two limits of RMB 72,000 / 110,000 per pregnancy.

Outpatient benefits: Optional, with no separate annual outpatient limit.

Enhanced wellness benefits: Health checkups, vaccinations, dental care and eye care; limit of RMB 5,000 or 8,000.

Maximum entry / renewal age: 70 / 99.

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

Regulatory and Policy Information

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.