Designed for individuals and families who value both healthcare quality and protection cost-effectiveness, mid-market individual medical insurance balances benefit scope, healthcare resources, and premium cost to provide customers with more flexible and accessible health protection choices. Products cover core medical benefits such as inpatient treatment, outpatient treatment, and critical illness, and may support treatment at public hospital international departments, VIP departments, and designated private medical institutions depending on product design. Through professional insurance services and an efficient claims experience, it helps customers enjoy higher-quality and more convenient medical services within a reasonable budget, building long-term and stable health protection for families.

Representative Products

Elite Choice Individual Health Plan is a mid- to high-end individual medical insurance product underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH. It is designed to provide a health protection solution for individuals and families at different ages that balances healthcare quality, coverage scope, and premium cost. The product covers core medical benefits including inpatient treatment, outpatient treatment (specified plans), special outpatient treatment, and critical illness treatment. Customers may also flexibly choose plan level, deductible, and pre-existing condition coverage based on their needs, meeting personalized protection needs under different budgets and health conditions.

Unlike traditional million-yuan medical insurance products, Elite Choice places greater emphasis on customers' actual healthcare experience. The product supports treatment at public hospital general departments, VIP departments, international departments, and designated private medical institutions. With MSH's nationwide direct billing network and professional medical service system, it provides value-added services such as cashless direct billing, specialist appointment arrangement, hospitalization coordination, advance payment, second medical opinions, and case management for critical diseases and complex illness, extending insurance protection across the entire medical service journey.

To address the protection needs of the growing population with sub-health conditions and chronic diseases in recent years, Elite Choice specially offers optional pre-existing condition coverage. Through a manual underwriting mechanism, it provides gradually increasing special benefit limits for eligible pre-policy conditions such as hypertension, hyperlipidemia, hyperglycemia, nodules, stones, and gastritis. From the fourth consecutive policy year, eligible claims may be fully covered as agreed, further expanding the breadth of protection and long-term value of the product. The product also supports independent enrollment for children aged 6 and above and provides overseas special drug coverage (specified plans), helping customers obtain a more comprehensive and high-quality medical protection experience.

Core Product Features

• Annual medical protection up to RMB 8 million (highest plan)

• Optional pre-existing condition coverage for eligible pre-policy conditions

• Pre-existing condition coverage limit increases year by year, with full coverage as agreed from the fourth year

• Supports independent enrollment for children without being bundled with parents

• Covers public hospital general departments, VIP departments, international departments, and designated private hospitals

• Nationwide direct billing network of more than 380 partner hospitals for a cashless healthcare experience

• Overseas special drug coverage (specified plans), covering regions such as Hong Kong, Singapore, and Japan

• Supports advanced medical benefits such as special outpatient treatment, proton and heavy-ion therapy, and targeted therapy

• Provides second medical opinions, case management for critical diseases, and medical coordination services

• Includes 24/7 customer service, claims support, and health consultation services

Easy Choice Individual Medical Insurance is a mid- to high-end individual medical insurance product underwritten by China Continent Property & Casualty Insurance Co., Ltd. (China Continent P&C), with professional services provided by MSH CHINA. Designed for individuals and families seeking cost-effective healthcare coverage, the product offers flexible healthcare protection solutions that balance comprehensive coverage with affordability.

The product covers core medical expenses including inpatient care, special outpatient treatment, and major disease treatment. Customers can flexibly select coverage plans and deductibles based on their individual needs, providing personalized protection options to suit different budgets and healthcare needs.

Unlike traditional high-limit medical insurance plans, Easy Choice places greater emphasis on the actual healthcare experience. The product provides access to general departments and VIP/specialty departments of public hospitals, as well as designated private medical institutions. Supported by MSH CHINA's nationwide direct billing network and professional medical service system, customers can benefit from cashless direct billing, specialist appointment scheduling, hospitalization coordination, medical expense advances, and other value-added services—extending insurance protection throughout the entire healthcare journey.

In response to the growing need for protection among individuals with suboptimal health conditions and chronic diseases, Easy Choice features a flexible underwriting mechanism. Through individual medical underwriting, eligible pre-existing conditions may be considered for tailored coverage solutions, further enhancing the breadth and accessibility of protection. The product also allows children aged 6 and above to purchase coverage independently, supported by a professional medical service team throughout the healthcare journey, helping customers enjoy convenient, and seamless healthcare experience.

Core Product Features

• Flexible coverage plans to meet different budget requirements
  

• Coverage for inpatient care, special outpatient treatment, and major disease treatment
  

• Access to general and VIP/specialty departments of public hospitals, as well as designated private hospitals
  

• MSH nationwide direct billing network for a convenient healthcare experience
  

• Optional deductible plans for flexible budget management
  

• Professional medical service team with 24/7 customer support
  

• Independent enrollment available for minors
  

• Specialist appointment scheduling and hospitalization coordination
  

• Medical expense advance services to help ease the burden of significant medical expenses
  

• Health consultation and claims support services