Commercial insurance illnesses are waiting period, accidental injury there is no waiting period, 30-180 days, depending on what kind of insurance you buy some insurance is the social security reported the rest of the commercial insurance are reported, hospitalization there is no fixed hospital, most insurance companies require more than 2 hospitals.
I think you should buy a Ping An An Kang hospitalization medical good, within a reasonable range of drugs, including imported drugs can be reimbursed.
If you have any other questions about insurance, please come to: Multi Insurance Fish Talks Insurance!