Insurance guide
Understand insurance questions before you travel
Insurance coverage varies by country and plan. Share your questions in the consultation form for practical next steps.
Coverage varies by plan and country
Employer plans, travel policies, and international health products differ in what they cover abroad. Read your policy wording for treatment in China, pre-authorization rules, and currency limits.
Direct billing vs reimbursement
Some hospitals accept direct billing from international insurers; others require upfront payment and later reimbursement. Keep itemized invoices, clinical reports, and payment receipts.
Pre-existing conditions and complications
Declare relevant history honestly when buying travel or supplemental cover. Complication riders and evacuation benefits may be separate add-ons—verify before major procedures.
What to prepare before travel
List your insurer, policy number, emergency hotline, and any required referral letters. Submit questions through the consultation form if you need a checklist tailored to your trip purpose.