ASURANSI & KLAIM
Pahami cakupan dan opsi pembayaran Anda sebelum mengatur perawatan.
HOSPITALS & INSURANCE
Find the insurers and service networks listed for each hospital, and understand how payment is arranged. Updated 12 October 2026.
Listed insurers offer direct-billing arrangements for eligible plans, not automatic reimbursement for every policy. Cigna & CMB differs from Cigna Global; ICBC-AXA differs from AXA Global Healthcare. A missing brand does not mean a claim is impossible. Your policy determines cover, limits and your share.
| Hospital / facility | Insurers with direct-billing arrangements | Service networks / administrators | Payment & reimbursement |
|---|---|---|---|
| Huashan HospitalInternational Medical Center · Middle Urumqi Road | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Confirm the specific plan, outpatient/inpatient benefits and approval. Budget for upfront payment until direct billing is confirmed. | |
| Ruijin HospitalInternational services · Ruijin Second Road | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Premium-care channels may differ between directories. Confirm maternity and other specific services separately. | |
| Zhongshan HospitalInternational medical services · Xuhui | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Confirm the specific plan, outpatient/inpatient benefits and approval. Budget for upfront payment until direct billing is confirmed. | |
| Renji HospitalEast campus international services · Beiyuan Road | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Some networks restrict specialists and booking arrangements. General, premium and international clinics are not interchangeable. | |
| Shanghai East HospitalJimo Road VIP services; verify South campus separately | Full list awaiting confirmationUse the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. The South campus entry is outpatient-only. Confirm inpatient care and other campuses separately. | |
| Shanghai Sixth People’s HospitalInternational Medical Center · Yishan Road | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Confirm the specific plan, outpatient/inpatient benefits and approval. Budget for upfront payment until direct billing is confirmed. | |
| Shanghai Ninth People’s HospitalConfirm the intended international or premium-care service | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Check dental, reconstructive and cosmetic benefits separately. A hospital name alone does not establish coverage. | |
| Shanghai First Maternity and Infant HospitalEast campus international services · West Gaoke Road | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Gynaecology and maternity benefits differ. Check maternity waiting periods, limits and newborn coverage. | |
| Obstetrics and Gynecology Hospital of Fudan UniversityInternational services · Huangpu and Yangpu | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Confirm the campus. Listing does not mean every women’s health policy or maternity service is covered. | |
| Yueyang Hospital of Integrated TCM and Western MedicineInternational medical services | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. TCM, acupuncture, tuina and rehabilitation may have separate limits. Confirm current outpatient/inpatient services. | |
| Shanghai United Family HospitalsVerify each hospital and campus | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Deductibles and co-payments may remain. Direct billing applies to primary insurance; secondary insurance is handled separately. | |
| Jiahui International HospitalConfirm the hospital or clinic in your appointment | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. A listed brand does not include every policy. Obtain written confirmation for high-cost care, admissions and out-of-network benefits. | |
| Shanghai International Medical Center (SIMC)4358 Kangxin Highway · Pudong | Individual insurer list awaiting confirmation | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. The network requests an appointment, insurance card and identification. Your insurer must confirm eligibility and payment arrangements. |
| SinoUnited HealthVerify the hospital or individual clinic | Payment guarantee required | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Check the policy, clinic and high-cost-provider restrictions. Universal direct billing has not been established. |
| Parkway ShanghaiShanghai Hospital, Xintiandi, Biyun and Gubei | Named brands verified for Xintiandi; other Parkway facilities need separate confirmation. | Use the network shown on your insurance card. A network is not a separate policy. | Eligible plans: direct billing If direct billing is unavailable, pay first and claim only if your policy covers the hospital and treatment. Only covered amounts are billed to insurance; uncovered costs remain payable by the patient. Services differ by facility. |
Before booking, have your insurance card, plan name and proposed treatment ready. We help confirm direct billing, approval and any deposit or personal payment.
DUA PILIHAN PEMBAYARAN
Perusahaan asuransi menyelesaikan biaya yang memenuhi syarat dan disetujui dengan rumah sakit, sehingga mengurangi kebutuhan untuk membayar tagihan besar di muka.
Membutuhkan rumah sakit penerima, perlindungan yang memenuhi syarat, dan persetujuan atau jaminan pembayaran apa pun yang diperlukan. Bagian Anda sendiri mungkin masih harus dibayar.Anda membayar rumah sakit dan kemudian menyerahkan dokumen pendukung untuk mengklaim biaya yang memenuhi syarat dari perusahaan asuransi Anda.
Konfirmasikan cakupan di luar jaringan, batasan, tenggat waktu penyerahan, mata uang dan dokumen, serta anggaran untuk pembayaran awal.Pastikan China dan rencana perawatan Anda tercakup. Asuransi perjalanan berbeda dengan asuransi kesehatan internasional.
Verifikasi rumah sakit, kampus, departemen internasional, dan layanan tertentu terhadap jaringan rencana Anda.
Tinjau kondisi yang sudah ada sebelumnya, masa tunggu, pengecualian, batas manfaat, pengurangan dan pembayaran bersama.
Periksa layanan mana yang memerlukan persetujuan dan konfirmasikan jumlah, tanggal, dan ruang lingkup yang disetujui secara tertulis.
Perlindungan di seluruh dunia tidak berarti setiap rumah sakit menawarkan penagihan langsung. Daftar penyedia tidak menggantikan pemeriksaan kebijakan dan perawatan spesifik Anda.
SEBELUM • SELAMA • SETELAH
Konfirmasi perlindungan dengan perusahaan asuransi Anda dan pengaturan pembayaran dengan rumah sakit sebelum bepergian.
Kumpulkan janji temu, ringkasan medis, rencana perawatan dan perkiraan biaya yang diminta oleh perusahaan asuransi.
Anda atau rumah sakit mengajukan permintaan yang diperlukan. Setelah disetujui, konfirmasikan bahwa rumah sakit menerima penyelesaian langsung.
Konfirmasikan bagian Anda dalam tagihan dan simpan faktur, rincian tagihan, tanda terima pembayaran, resep, dan laporan.
Kirimkan sesuai tenggat waktu polis Anda, berikan dokumen tambahan dan lacak keputusan perusahaan asuransi.
Menghabiskan lebih sedikit waktu untuk mengurus dokumen dan berkoordinasi antara rumah sakit dan perusahaan asuransi.
Tidak. Jaringan dan manfaat berbeda antar paket, bahkan dengan perusahaan asuransi yang sama. Diperlukan persetujuan dan penerimaan dari rumah sakit tertentu.
Belum tentu. Pengurangan, pembayaran bersama, jumlah di atas batas, dan layanan yang dikecualikan mungkin tetap harus Anda bayarkan.
Mungkin. Periksa apakah polis mencakup layanan tersebut atau perawatan di luar jaringan, dan konfirmasikan batasan penggantian biaya dan persyaratan dokumen.
Pra-otorisasi meninjau perawatan yang direncanakan sebelumnya. Jaminan atau Surat Pembayaran menegaskan pengaturan pembayaran tertentu dengan rumah sakit. Keduanya tidak dapat dipertukarkan.
Jangan berasumsi demikian. Aturan kondisi yang sudah ada sebelumnya, masa tunggu, dan pengecualian mungkin berlaku. Ungkapkan secara akurat dan dapatkan tanggapan tertulis dari perusahaan asuransi.
Waktunya tergantung pada kebijakan Anda, perawatan, dokumen pendukung, dan tinjauan perusahaan asuransi. ZOYING dapat membantu tindak lanjut, tetapi tidak bisa menjanjikan penyelesaian yang pasti.
PERSIAPAN PASIEN
Tidak. Cakupan tergantung pada kebijakan Anda, batasan manfaat, pengecualian, masa tunggu, rumah sakit dan departemen, serta pra-otorisasi apa pun. Konfirmasikan produk spesifik Anda dengan tim penagihan rumah sakit dan perusahaan asuransi Anda. Daftar jaringan rumah sakit tidak menetapkan bahwa setiap perawatan ditanggung.
Dengan penagihan langsung yang disetujui, rumah sakit akan menagih biaya yang memenuhi syarat kepada perusahaan asuransi, namun Anda mungkin masih berhutang potongan, pembayaran bersama, deposit, atau item yang dikecualikan. Dengan reimbursement, biasanya Anda membayar terlebih dahulu dan mengajukan klaim. Penagihan langsung memerlukan konfirmasi rumah sakit dan perusahaan asuransi; hal itu tidak dijamin hanya dengan memegang asuransi internasional.
Berikan kepada perusahaan asuransi dan nama produk, validitas polis, rincian keanggotaan melalui jalur swasta yang disepakati, usulan rumah sakit dan prosedur, serta persyaratan pra-otorisasi perusahaan asuransi. Untuk mengajukan klaim, tanyakan tentang rincian faktur, tanda terima pembayaran, diagnosis, laporan medis, ringkasan pemulangan, terjemahan, dan batas waktu pengajuan. Jangan publikasikan polis atau nomor paspor Anda.
Zoying memberikan koordinasi dan informasi. Rumah sakit memutuskan diagnosis, pengobatan, penerimaan dan biaya klinis. Ketersediaan rumah sakit dan ketentuan kebijakan harus dikonfirmasi untuk kasus Anda sendiri.
Sumber referensi: Informasi asuransi Jiahui
Tinjauan editorial: 13 Oktober 2026. Tanggal kebijakan dan sumber spesifik item ditampilkan di bagian yang relevan. Ini adalah informasi persiapan, bukan saran medis yang dipersonalisasi.Website tidak memiliki portal untuk upload rekam medis pasien. Bila informasi tambahan diperlukan, harap jelaskan terlebih dahulu tujuan dan penerimanya, kemudian staf akan mengonfirmasi metode pemberiannya dengan Anda.
Zoying menyediakan informasi sumber daya medis, koordinasi medis, dan dukungan non-medis; evaluasi medis, diagnosis dan perawatan adalah tanggung jawab rumah sakit penerima dan dokter berlisensi.
Peringkat rumah sakit dan referensi akreditasi
