The original article was first conceived in 2011, debuted on August 26, 2013, updated in 2015, updated on June 30, 2020, and again on December 30, 2020.
Every time I review it, I find that I've basically hit the nail on the head. Understanding history and its evolutionary logic can help us make better choices, and choosing insurance is a long term thing, so try not to let short term benefits jeopardize more important benefits in the long run. Because high-end health care is a yearly purchase, with age, the body is getting weaker and weaker, at this time if the initial choice of products and companies are not stable, and then want to switch to a new product, may not be the standard body.
Additionally looking for brokers than direct purchase, claims when the brokerage company has more say.
On the whole, or try to choose Bupa Bupa, AXA AXA, Atena Aetna, Allianz, Cigna China Merchants Trust, MSH, these international network of domestic network are strong, and the operation of many years of international companies.
1, Cigna has been good before, the recent individual insurance child single estimated that the compensation of the sharp eye, resulting in the refusal of the rate of upward mobility, especially UFH hospitalization, the probability of being rejected is super high, the other hospitals are still available. Cigna's group insurance claims are still good though. This was written in 2013, and today the market is becoming more sophisticated, and most companies don't support separate policies for individual kids. Some companies support, but please choose carefully, unless the customer confirms that is a short-term to buy a little do not consider the long term. 2, Bupa nothing to say, the most expensive (but in fact, if the high net worth customers have been insured to the senior age, Bupa is not not other expensive), past illnesses can be chosen to increase the cost of insurance, direct compensation is very humane, basically can be compensated in line with the reasonable requirements of the claim are given compensation (claims beat Cigna individual insurance), but the premium. However, the premium is really high. In addition, the premiums are not accounted for, the loss of a single is Yongcheng to do things, counted in the head of Bupa is not very fair, it is said that Bupa is also considering the change of partners, and now Bupa children can not be individually insured. 3, MSH, the boss of mainland China (market share), MSH itself is not an insurance company, but he did the best in mainland China's market, the reputation of the poor is certain, because the girl to eat! After the upper eat the lower, eat both, so the high-end medical market are insurance companies lose money, TPA make money. But its customer service and payment is really very efficient, this must be recognized. Also policy renewals are still very stable with over a decade of experience so far, and rate growth is also stable. Insurance company which is strong, I just happened to organize the relevant content, I hope it will help you: the latest list! The top ten insurance companies in the country
These three are the highest market rate and recognition rate, especially Bupa and MSH. in fact, AXA, Aetna, Allianz are also very good, just not so wolf, the vast majority of insurance brokers do not know about them either, which is a chicken and egg cycle, because the brokers do not know about the others, so they only push Bupa, MSH, and so the customers also basically only know about those two. From a product perspective, Bupa is always the first choice when the ability to pay is enough. Of course the specifics also depend on other circumstances of the customer.
4, Now-Health, a newly established company, do not evaluate, fierce price war, play is the heartbeat, estimated that the future fee adjustment probability is great. Said this when it is 2015,, 5, AXA, the original Fengtai, now AXA, market share is not big, with Jin Sheng's products are quite similar. Cooperation, rates can be, but more sub-limits, the use of more brain. 9, AIG AIG, now only do expatriates, but AIG is a big tree, with Seven Corners than too demeaning to AIG, Seven Corners industry commonly known as the seven hairs, don't take it out and say something, feel completely unreliable, the premiums can not catch up with the United Family's one-night room fee, pure churning, chicken thieves and not recommended, and the United Family's one-night room fee, and the United Family's one-night room fee. Pure churning, chicken thief and good speculators can consider getting into the hands of. 2020 and back to kill the market. 10, Taikang this thing, it is too random, is completely patting the head to do out of the products. Chen went to a trip to the new century to get out of a product, but also exclusively to the new century, but also exclusively to the outpatient does not contain hospitalization, I dizzy. Not a family as well as a family door, no wonder he became the granddaughter-in-law of so-and-so.
Also Aetna is still around and living well, not out of the market. Can't say the same for AIA, don't care about outpatient, don't think it's very useful.
Allianz Allianz currently does reflect the best, has entered China, Shanghai has office staff, but at present are foreigners, into China by China's high-end medical baptism is still good, it is not good to say.
Hey ~ ~ ~ ~
Correcting a few mistakes upstairs: 1. At present, the more well-known high-end medical insurance products that can be sold normally in mainland China are called MSH (Wan Xin He, not Wan Jia He). 2. Hong Kong's high-end health care products can only be done when hospitalized direct payment (no need to pay for the signing of the checkout), the mainland's high-end health care in addition to hospitalization can be done direct payment outside the outpatient clinic. The same can be said for outpatient services.
Additionally introduced to the high-end medical sector more well-known companies and products: June 2, 2020 updated most of the individual insurance: 1. Cigna-CMC China Merchants China Merchants (mellow enjoyment, mellow pleasure,) 2. Bupa (British Bupa) excellence in hospitalization, smart choice, superior, elite, premium 3. MSH (Wanxin and) classic, selected, HP3 maternity-related 4. Fosun United Health, Dignity Health Protection Plan, UFH, Globe 2020, Matching Plan, Ruixing Children 5. AXA AXA Insurance, Premier Global Individual Medical Insurance Plan 6. Ping An Health Pingan, Dignity Life, Dignity Premier Life, Ping An Baby, and the latest is YiXiang AB 7. ICBC-AXA ICBC AXA Global Medical Insurance, Huanqiu Xiangxian Medical 8. Aetna Aetna Individual Global 9. Kyodo Allianz: Kang Rui Huanqiu, Growth Premium 10. TaiPao Allianz: Ai Jia Youyouyou Family Policy Group Insurance: 1. Cigna-CMC China Merchants Trust (Emerald, Silver, Gold, Platinum) 2. MSH (Wan Xin He) Group High-end Medical Plan 3. Aetna Global Benefits Aetna Global Benefits (AGB) AHA/GHP 4. Bupa Global Corporate Group Medical Insurance Plan5. ICBC-AXA ICBC AXA Global Medical Insurance6. Ping An Health Pingan, Ji You Package, Healthy Family, Global Group Medical Insurance, E Sang Insurance Group7. AXA AXA Premier Global Group8. AIA AIA, Global Elite Group Medical Insurance, Wisdom Dignity Plan9. Allianz Allianz P&C, Allianz Kang Rui Huan Globe - Group Plan, SME Group Plan Allianz Worldwide Care10. GCL, Worldwide Medical Insurance Plan Sino-Global Protection Group Medical Insurance Plan, Diamond, Platinum Plan, Small and Medium Group High-end Medical 11. TIBOR Allianz Group High-end Medical 12. Fosun United Health Worldwide High-end Medical Insurance Plan
There are still insurance companies that cannot be legally sold in mainland China, and can only be underwritten by foreign companies or brought to China by foreign employees from their home countries. If a Chinese customer buys and lives in China for a long time to use the insurance, he or she may face the risk of claims: 1. AXA PPP2. Blue Cross3. IHI BUPA4. CIGNA International5. DKV (Deutsche Krankenversicherung)6. GMC (Garantie Médicale & Chirurgicale)7. HTH Worldwide8. IMG Europe9. InterGlobal (currently developing products with ICBC-AXA)10. ASFE11. Nordic Health Care12. Vanbreda International ExpatPlus13. William Russell