INSURANCE & CLAIMS
Understand your coverage and payment options before arranging treatment.
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.
TWO PAYMENT OPTIONS
The insurer settles eligible, approved costs with the hospital, reducing the need to pay a large bill upfront.
Requires an accepting hospital, eligible cover and any necessary approval or payment guarantee. Your own share may still be payable.You pay the hospital and then submit supporting documents to claim eligible expenses from your insurer.
Confirm out-of-network cover, limits, submission deadlines, currency and documents, and budget for the initial payment.Check that China and your planned treatment are covered. Travel insurance is different from international health insurance.
Verify the specific hospital, campus, international department and service against your plan’s network.
Review pre-existing conditions, waiting periods, exclusions, benefit limits, deductibles and co-payments.
Check which services need approval and confirm the approved amount, dates and scope in writing.
Worldwide cover does not mean every hospital offers direct billing. A provider list does not replace a check of your specific policy and treatment.
BEFORE • DURING • AFTER
Confirm coverage with your insurer and payment arrangements with the hospital before travelling.
Gather the appointment, medical summary, treatment plan and estimated costs requested by the insurer.
You or the hospital submit the required request. Once approved, confirm that the hospital accepts direct settlement.
Confirm your share of the bill and keep invoices, itemised bills, payment receipts, prescriptions and reports.
Submit within your policy’s deadline, provide any additional documents and track the insurer’s decision.
Spend less time navigating paperwork and coordinating between the hospital and insurer.
No. Networks and benefits differ between plans, even with the same insurer. Approval and acceptance by the specific hospital are required.
Not necessarily. Deductibles, co-payments, amounts above limits and excluded services may remain payable by you.
Possibly. Check whether the policy covers that provider or out-of-network treatment, and confirm reimbursement limits and document requirements.
Pre-authorisation reviews planned treatment in advance. A Guarantee or Letter of Payment confirms a specific payment arrangement with the hospital. They are not interchangeable.
Do not assume so. Pre-existing condition rules, waiting periods and exclusions may apply. Disclose accurately and obtain the insurer’s written response.
Timing depends on your policy, treatment, supporting documents and the insurer’s review. ZOYING can help follow up, but cannot promise a fixed turnaround.
The website does not have a portal for uploading patient medical records. When additional information is needed, please first explain the purpose and recipient, and then the staff will confirm the method of provision with you.
Zoying provides medical resource information, medical coordination and non-medical support; medical evaluation, diagnosis and treatment are the responsibility of the receiving hospital and licensed physicians.
Hospital classification and accreditation reference
