Combining policies related to medical insurance personal accounts with customers' multi-level health protection needs, medical insurance personal account-exclusive medical insurance fully leverages commercial insurance as a supplement to basic medical security. Customers can use funds from their medical insurance personal accounts to purchase insurance products that comply with policy requirements, obtaining more comprehensive medical protection without adding extra financial burden. The product balances medical expense reimbursement, critical illness protection, and health service support, helping customers improve the efficiency of medical insurance fund utilization and build a more complete health protection system for individuals and families.

Representative Product:

Elite Choice Individual Health Plan (Medical Insurance Personal Account Version) 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. Designed specifically for purchase using the balance of a medical insurance personal account, it aims to help Shanghai basic medical insurance participants obtain a health protection solution for themselves and their families that balances healthcare quality, coverage scope, and premium cost without adding extra cash burden. The product covers core medical benefits including inpatient treatment, special outpatient treatment, and critical illness treatment. Customers may also flexibly choose plan level and deductible based on their needs, meeting personalized protection needs under different budgets and health conditions.

Unlike traditional medical insurance, the Medical Insurance Personal Account Version of Elite Choice places greater emphasis on customers' actual healthcare experience and the efficiency of medical insurance fund utilization. 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 growing quality medical protection needs of medical insurance participants, the Medical Insurance Personal Account Version of Elite Choice specially offers a purchase solution using the balance accumulated in the medical insurance personal account over previous years. Online enrollment is available conveniently through the "Suishenban" platform, enabling more efficient use of the historical balance in the medical insurance personal account. At the same time, the product also opens coverage for externally purchased drugs / devices / consumables without a list restriction; Shanghai new and premium drugs and medical devices as well as Boao Lecheng imported drugs are also insurable and claimable. For malignant tumors, the deductible may be waived from the second year, and reimbursements from the social security pooling fund can be directly offset against the deductible, helping customers enjoy more comprehensive and high-quality medical protection within a reasonable budget.

Core Product Features

• Can be purchased using the balance of a medical insurance personal account, without adding extra cash burden
• Covers public hospital general departments, VIP departments, international departments, and designated private hospitals
• Opens coverage for externally purchased drugs / devices / consumables, with no list restriction
• Shanghai new and premium drugs and medical devices and Boao Lecheng imported drugs are insurable and claimable
• Effectively connects with basic medical insurance; reimbursement from the social security pooling fund can be directly offset against the deductible
• For malignant tumors, the deductible may be waived from the second year, providing more comprehensive serious disease protection
• Nationwide direct billing network of 370+ hospitals
• Optional pre-existing condition coverage (specified plans)
• Minors may also enroll independently
• "Suishenban" platform enables convenient online enrollment