International Insurance in China

Direct billing means the insurance company pays the hospital directly — you don't need to pay upfront and claim reimbursement. Select your insurer to see participating hospitals.

Cigna (CMB)

Also known as: Cigna Global, Cigna Global Health Benefits, Cigna & CMB

One of the largest international health insurers in China. Direct billing network covers major private international hospitals and public hospital international departments.

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Bupa Global

Also known as: Bupa, BUPA

Premium global health insurance. Direct billing available at leading international hospitals in China. Note: Bupa's mainland China direct billing network has undergone changes — always verify current status.

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AXA

Also known as: AXA Global Healthcare, AXA PPP

Major global insurer with extensive direct billing network in Tier 1 Chinese cities.

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Allianz Worldwide Care

Also known as: Allianz, Allianz Care

Direct billing at selected international hospitals and clinics in China.

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MSH International

Also known as: MSH, MSH China

Specialized in China market with extensive local direct billing network including both private and public international departments.

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Aetna International

Also known as: Aetna

Global health insurance with direct billing at major international hospitals in China.

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How Direct Billing Works in China

Pre-Authorization (GOP)

For planned treatments, your insurer issues a Guarantee of Payment (GOP) to the hospital. For emergencies, the hospital contacts the insurer directly.

Direct Settlement

The hospital bills the insurer directly. You may need to pay a co-pay or deductible depending on your plan.

What to Bring

Insurance card, passport, and pre-authorization reference (if applicable). Always confirm coverage before non-emergency visits.