The China Expat Individual Health Plan (CEI) is a high-end medical insurance product underwritten by China Continent Property & Casualty Insurance Company Ltd., with professional services provided by MSH. It is designed exclusively for expatriates and their families residing in China. The product aims to provide a health protection solution for foreign passport holders and other expatriates covering Chinese Mainland and worldwide excluding the United States. Clients may flexibly choose between Greater China Enhanced Plan or International Enhanced Plan (worldwide excluding U.S.) based on their needs, and select inpatient-only or combined inpatient & outpatient coverage, meeting personalized protection needs under different budgets and healthcare preferences.

Unlike traditional high-end medical insurance, CEI places greater emphasis on expatriates' actual healthcare experience in China and during global travel. The product supports treatment at public hospitals and private hospitals (including High Cost Providers), with an annual maximum benefit of RMB 16 million and no lifetime aggregate cap. Supported by MSH's global direct billing medical network and professional medical service system, it provides value-added services such as cashless direct billing, specialist appointment arrangement, hospitalization coordination, second medical opinions, and case management for critical diseases and complex illness, extending insurance protection across the entire medical service journey.

To address the global mobility and home-country repatriation needs of expatriates, CEI specially offers an optional emergency medical evacuation benefit to the insured's country of citizenship. When a client experiences a severe accident or critical illness overseas, this benefit enables repatriation to their home country for treatment, ensuring timely and safe medical evacuation and life support in emergencies. The product also offers optional maternity benefits (with a 180-day waiting period), routine physical examination coverage, dental benefits, and pre-existing condition coverage (subject to underwriting approval), helping expatriates and their families obtain a more comprehensive and worry-free global healthcare protection experience.

Core Product Features

• Annual maximum benefit of RMB 16 million, with no lifetime aggregate cap
• Optional Greater China Enhanced and International Enhanced (worldwide excluding U.S.) coverage
• Covers public hospitals and private hospitals (including High Cost Providers) at 100%
• Optional inpatient-only or combined inpatient & outpatient coverage, with outpatient annual limit of RMB 60,000
• Optional emergency medical evacuation to country of citizenship
• MSH global direct billing medical network for a cashless healthcare experience
• Optional maternity benefits (180-day waiting period), routine physical examination, and dental coverage
• Optional pre-existing condition coverage (subject to underwriting approval)
• 15% premium discount for residents outside Beijing, Shanghai, Guangzhou, and Shenzhen
• Claims-free renewal discount accumulating up to 20%
• 24/7 multilingual customer service
• Maximum entry age of 64