INSURANCE & TUNTUTAN
Fahami perlindungan dan pilihan pembayaran anda sebelum mengatur rawatan.
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
Insurer menyelesaikan kos yang layak dan diluluskan dengan hospital, mengurangkan keperluan untuk membayar bil yang besar terlebih dahulu.
Memerlukan hospital yang menerima, perlindungan yang layak dan sebarang kelulusan atau jaminan pembayaran yang diperlukan. Bahagian anda sendiri mungkin masih perlu dibayar.Anda membayar hospital dan kemudian menyerahkan dokumen sokongan untuk menuntut perbelanjaan yang layak daripada syarikat insurans anda.
Sahkan perlindungan di luar rangkaian, had, tarikh akhir penyerahan, mata wang dan dokumen serta belanjawan untuk pembayaran awal.Pastikan China dan rawatan yang dirancang anda dilindungi. Insurans perjalanan berbeza dengan insurans kesihatan antarabangsa.
Sahkan hospital, kampus, jabatan antarabangsa dan perkhidmatan tertentu terhadap rangkaian pelan anda.
Semak syarat sedia ada, tempoh menunggu, pengecualian, had manfaat, deduktibel dan pembayaran bersama.
Semak perkhidmatan mana yang memerlukan kelulusan dan sahkan jumlah, tarikh dan skop yang diluluskan secara bertulis.
Perlindungan seluruh dunia tidak bermakna setiap hospital menawarkan pengebilan terus. Senarai pembekal tidak menggantikan semakan polisi dan rawatan khusus anda.
SEBELUM • SEMASA • SELEPAS
Sahkan perlindungan dengan syarikat insurans anda dan urusan pembayaran dengan hospital sebelum membuat perjalanan.
Kumpulkan janji temu, ringkasan perubatan, pelan rawatan dan anggaran kos yang diminta oleh syarikat insurans.
Anda atau hospital menyerahkan permintaan yang diperlukan. Setelah diluluskan, sahkan bahawa hospital menerima penyelesaian terus.
Sahkan bahagian bil anda dan simpan invois, bil terperinci, resit pembayaran, preskripsi dan laporan.
Serahkan dalam tempoh tarikh akhir polisi anda, sediakan sebarang dokumen tambahan dan jejaki keputusan syarikat insurans.
Luangkan sedikit masa untuk menavigasi kertas kerja dan menyelaras antara hospital dan syarikat insurans.
Tidak. Rangkaian dan faedah berbeza antara pelan, walaupun dengan syarikat insurans yang sama. Kelulusan dan penerimaan oleh hospital tertentu diperlukan.
Tidak semestinya. Deduktibel, bayaran bersama, jumlah melebihi had dan perkhidmatan yang dikecualikan mungkin kekal dibayar oleh anda.
Mungkin. Semak sama ada polisi itu meliputi layanan penyedia atau luar rangkaian itu, dan sahkan had pembayaran balik dan keperluan dokumen.
Pra-kebenaran menyemak rawatan yang dirancang terlebih dahulu. Jaminan atau Surat Pembayaran mengesahkan pengaturan pembayaran khusus dengan hospital. Mereka tidak boleh ditukar ganti.
Jangan menganggap begitu. Peraturan keadaan sedia ada, tempoh menunggu dan pengecualian mungkin dikenakan. Dedahkan dengan tepat dan dapatkan jawapan bertulis insurer.
Masa bergantung pada polisi anda, rawatan, dokumen sokongan dan semakan syarikat insurans. ZOYING boleh membantu membuat susulan, tetapi tidak boleh menjanjikan pemulihan yang tetap.
PERSEDIAAN PESAKIT
Tidak. Perlindungan bergantung pada polisi anda, had manfaat, pengecualian, tempoh menunggu, hospital dan jabatan, dan sebarang pra-kebenaran. Sahkan produk khusus anda dengan kedua-dua pasukan pengebilan hospital dan syarikat insurans anda. Penyenaraian rangkaian hospital tidak menetapkan bahawa setiap rawatan dilindungi.
Dengan bil langsung yang diluluskan, hospital menginvois penanggung insurans untuk kos yang layak, tetapi anda mungkin masih berhutang item yang boleh ditolak, bayaran bersama, deposit atau dikecualikan. Dengan pembayaran balik, anda biasanya membayar dahulu dan menyerahkan tuntutan. Pengebilan langsung memerlukan pengesahan hospital dan syarikat insurans; ia tidak dijamin hanya dengan memegang insurans antarabangsa.
Berikan penanggung insurans dan nama produk, kesahihan polisi, butiran keahlian melalui saluran persendirian yang dipersetujui, hospital dan prosedur yang dicadangkan, dan keperluan pra-kebenaran penanggung insurans. Untuk tuntutan, tanya tentang invois terperinci, resit pembayaran, diagnosis, laporan perubatan, ringkasan pelepasan, terjemahan dan tarikh akhir pemfailan. Jangan siarkan polisi atau nombor pasport anda.
Zoying menyediakan penyelarasan dan maklumat. Hospital memutuskan diagnosis, rawatan, penerimaan dan yuran klinikal. Ketersediaan hospital dan syarat polisi mesti disahkan untuk kes anda sendiri.
Sumber rujukan: Maklumat insurans Jiahui
Semakan editorial: 13 Oktober 2026. Tarikh dasar dan sumber khusus item ditunjukkan dalam bahagian yang berkaitan. Ini adalah maklumat persediaan, bukan nasihat perubatan yang diperibadikan.Tapak web tidak mempunyai portal untuk memuat naik rekod perubatan pesakit. Apabila maklumat tambahan diperlukan, sila jelaskan terlebih dahulu tujuan dan penerima, dan kemudian kakitangan akan mengesahkan kaedah penyediaan dengan anda.
Zoying menyediakan maklumat sumber perubatan, penyelarasan perubatan dan sokongan bukan perubatan; penilaian perubatan, diagnosis dan rawatan adalah tanggungjawab hospital yang menerima dan doktor berlesen.
Penarafan hospital dan rujukan akreditasi
