How to use Atlas international travel medical insurance in China?

New! Since April 20 16 1 day, the Atlas insurance plan has cancelled the provisions on pre-certification, and no longer requires the insured to notify the insurance company in advance to obtain pre-authorization before hospitalization, surgery or MRI/CT examination. Medical expenses within the scope of insurance can be reimbursed according to regulations.

The premium rate of 20 16 remains unchanged.

For Atlas group insurance, the premium for 25 people and above is 15% off, and the premium for 5 people and above is 10% off.

In the insurance policy and contract, HCCMIS Insurance Company introduced the new name Tokio Marine HCC Medical Insurance Service Group.

Atlas international travel medical insurance

Universal international travel medical insurance is applicable to citizens of all countries who travel, visit relatives, do business, work and study in China!

50,000 ~ 6,543.8+0,000 USD for medical care and travel protection;

Emergency medical assistance is $6,543,800+0,000;

Accidental death/disability compensation up to $50,000;

Insure 50,000 ~ 6,543.8+0,000 USD for acute attack of existing old diseases;

To provide protection for pregnant women with acute pregnancy complications within 26 weeks of pregnancy;

Insure for adventure sports (such as mountaineering, diving, bungee jumping, etc.). );

24-hour global medical and travel assistance services;

The minimum insurance premium is less than $65,438+0 per day;

And more emergency medical and travel accident protection (Atlas Insurance Chinese Manual);

How to get a free quotation and buy Atlas insurance online?

* Five or more people take out Atlas group insurance and enjoy a 10% discount on the insurance premium!

Please take your insurance card with you after you apply for Atlas international travel medical insurance. The insurance card has the contact number of the insurance company and your insurance number. If you need assistance in medical treatment or travel accidents, you can contact the 24-hour customer service center of American insurance company at any time, and the insurance company can also provide free translation service.

In the case of sudden illness or accidental injury, Atlas Insurance allows free choice of medical institutions without prior approval from the insurance company. Atlas insurance can reimburse the medical expenses within the scope of protection according to regulations.

In general outpatient and emergency situations, medical expenses can be paid in advance before applying for compensation from the insurance company. If hospitalization is needed, it is best to inform the insurance company as soon as possible, and the staff can contact the hospital to help arrange the settlement of medical expenses and provide other necessary help. Please keep the complete physical examination report, detailed list of medical expenses and receipts, and send them to the insurance company when applying for claims.

You can apply for claims online, fill in and send claims online after logging in to ClientZone, or upload and send claims application documents through the customer service center.

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Who can use Atlas insurance when traveling to China?

Foreign tourists visiting China from abroad can use Atlas travel medical insurance.

China citizens who have lived abroad for a long time, such as overseas students studying abroad, China citizens who have worked abroad for a long time, and China immigrants who have settled abroad, can also use Atlas insurance when they return to China for short-term travel and residence, such as visiting relatives, traveling, working and studying.

As Hong Kong and Macao belong to special administrative regions, residents of Hong Kong/Macao who travel to Chinese mainland, mainland residents who travel to Hong Kong/Macao or Hong Kong residents who travel to Macao/Macao can use Atlas Travel Medical Insurance.

Taiwan Province residents who travel to Chinese mainland or Hongkong/Macau can also use Atlas Travel Medical Insurance.

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Brief introduction of medical institutions in China

The vast majority of medical institutions in China are public hospitals managed by the government, and there are also a few private hospitals, including some foreign-funded hospitals/clinics. Atlas insurance allows you to choose any medical institution.

In China, there are public medical institutions in both urban and rural areas. Large general hospitals and medical centers are mainly distributed in cities. These hospitals are divided into first-class hospitals, second-class hospitals and third-class hospitals according to medical level and resources. Tertiary hospitals are usually the hospitals with the highest medical level, followed by secondary and primary hospitals.

There are government-managed primary medical institutions in rural areas, including community health service centers, township hospitals, clinics and village clinics. Usually, the medical equipment in rural areas is relatively simple, and the training of medical personnel is not as formal as that of doctors in urban hospitals. They are sometimes reluctant to accept foreign patients. If conditions permit, try to receive treatment in the city hospital.

Public hospitals/clinics in China are open to everyone, including China citizens and foreign citizens. Under normal circumstances, going to the hospital to see a doctor is generally in the order of first come, then come. At present, hospitals in some big cities have begun to accept telephone or online appointment registration services, so you can see a doctor at the appointed time.

To go to the hospital, you usually have to queue up for registration and pay the registration fee. Then wait outside the doctor's office. After the doctor's examination, if you need to do a test, then you will get one or more test results. Pay the money first, and then go to the relevant laboratory or imaging department to wait for inspection. Some inspection results can be obtained on the same day, and some need to wait a few days to get them. If the doctor makes a prescription, you can buy medicine at the hospital pharmacy. Pay for medicine first, then take medicine.

According to China's national conditions, large hospitals usually have many patients and long queues because of their high medical level.

Please note that acupuncture, massage and other Chinese medicine treatments are not covered by Atlas insurance.

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International clinics/hospitals

At present, foreign-funded international hospitals/clinics can be found in big cities in China, such as Beijing and Shanghai, such as Hejia Hospital, Beijing International Medical Center and Shanghai Oriental International Hospital, which mainly provide medical services for foreigners working in China. The medical level and service of international hospitals/clinics are usually implemented in accordance with international standards. After joining Atlas Insurance, you can go to these international clinics/hospitals.

Most doctors in foreign-funded clinics receive medical education and training abroad and can provide medical services that meet international standards. Foreign doctors usually have their own medical licenses and qualifications in China and use English or other languages. There are also doctors in China who can speak Chinese and other languages.

The medical charges of international clinics are higher than those of domestic public hospitals. As long as the medical expenses are within the scope, Atlas Insurance can reimburse 100%. International clinics can usually accept credit card payment. If you inform the insurance company in advance before seeing a doctor, they can contact the hospital to settle the medical expenses for you.

In addition, tertiary hospitals in some big cities have clinics for foreign guests. The medical conditions here will be relatively better. Medical staff usually speak English and Chinese to provide medical services for foreigners. You can go to the foreign guest clinic to see a doctor.

When paying, some big hospitals can accept credit cards. Most hospitals need to pay cash.

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How to find the medical institutions of HCCMIS Insurance Company International Medical Network in China?

If you suddenly get sick or injured while traveling in China, you can use Atlas International Travel Insurance to see a doctor in any medical institution in China. We suggest that you give priority to the cooperative medical institutions of HCCMIS Insurance Company in China.

HCCMIS insurance company has hundreds of medical institutions in more than 40 cities in China to participate in its EQUIAN international medical network. Most of these medical institutions are foreign-funded or Sino-foreign joint-venture hospitals operating in China, as well as large public general hospitals. HCCMIS usually chooses reputable hospitals/doctors in China as partners to ensure high-quality medical services.

The medical institutions of EQUIAN International Medical Network can establish a direct settlement relationship with HCCMIS insurance company. If you inform the insurance company in advance before seeing a doctor, the staff of the insurance company can contact the hospital outpatient service, and the insurance company will pay the medical expenses to the hospital outpatient service if it agrees. In other words, if you see a doctor in a hospital outpatient service within the medical network, the hospital can send the bill to the insurance company, and the insurance company will directly pay the medical expenses for the disease/injury covered by the insurance. This will make it easier for you to see a doctor with insurance.

EQUIAN International Medical Network, an insurance company, has cooperative hospital clinics in the following cities in China: Beijing, Shanghai, Changchun, Changsha, Chengdu, Chongqing, Dalian, Dongguan, Guangzhou, Guiyang, Hangzhou, Harbin, Hefei, Hengyang, Heze, Huaibei, Jinan, Kunming, Nanchang, Nanjing, Nanning, Ningbo, Qingdao, Shenyang, Shenzhen and Shijiazhuang.

You can find medical partners of local insurance companies online.

Please note that Atlas Travel Medical Insurance can be used in all parts of China, including Hongkong and Macau. The cities listed above are all cities where insurance companies have cooperative medical institutions. Whether in the cities listed above or in other cities, you can freely choose local hospitals and clinics in China for medical and travel accident protection.

You can learn how to use Atlas International Travel Medical Insurance in Hong Kong here.

New!

* The international medical cooperation network of *HCCMIS Insurance Company has been updated. You can click here to enter the website of finding doctors or hospitals of HCCMIS, and click the link of international doctor search engine to find its cooperative medical institutions in China and other countries in the world.

When searching for medical institutions in China, first set the search criteria in the column of specifying provider type and location criteria.

Select "China" in the country column, select a city, such as Beijing, in the city column, and finally select the type of medical institution. You can read the description of the types of medical institutions here. Setting the type column to All can display the most search results.

You can use the Language, Gender and Service Standard tool to select the gender, language and service category of doctors.

If you know the name of a doctor or hospital, you can use the condition of specifying a provider name to verify whether it is a member of Equian International Medical Network.

Finally, click the "Search" key to get the search results. (see the picture below)

You will see that 60 hospitals and clinics in Beijing belong to the insurance network of HCCMIS. The names, addresses and telephone numbers of these medical institutions are displayed on the screen. Click the "Map" button to see the Google map of this medical institution.

Click the "Export to PDF" button in the upper left corner of the search results, and the website will automatically generate a PDF file containing the contact addresses and telephone numbers of all medical institutions. It is recommended that you print a list of hospitals/doctors in your travel destination before you leave, in case of emergency.

The text on the search page of HCCMIS International Medical Network reminds the insurance company before seeing a doctor. The staff of the insurance company can contact the medical institution you choose, and with the consent of the hospital outpatient department, the insurance company will pay the medical expenses within the insurance scope. But the insurance company does not guarantee that the medical institutions found here will accept the arrangement of direct settlement of medical expenses.

If it is a general emergency, you don't need to inform the insurance company in advance, you can pay the medical expenses yourself first, and then reimburse the insurance company.

In case of hospitalization, surgery, etc. You'd better inform the insurance company in advance. The insurance company can contact the hospital to arrange direct settlement of medical expenses to ensure that you get timely and necessary treatment.

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How to pay after seeing a doctor in China?

Most hospitals and clinics in China implement the system of seeing a doctor first and then charging. You'd better bring enough RMB cash when you go to the hospital. Many hospitals do not accept bank cards. If it is in the countryside, the general clinic only accepts cash and does not accept bank cards.

The international medical network of HCCMIS Insurance Company has cooperative medical institutions in many urban areas of China. When seeing a doctor in a hospital outpatient service within the international medical network, the hospital outpatient service can send the bill to the insurance company, and the insurance company will directly pay the medical expenses within its coverage to the hospital. You need to inform the insurance company in advance to make arrangements.

Usually, in the case of emergency in China, outpatient fees, examination fees, prescription drug fees, etc. should be paid first, and then the insurance company should apply for reimbursement.

If hospitalization or surgery is needed, it is best to inform HCCMIS insurance company in advance. The staff of the insurance company can contact the hospital to arrange the settlement of medical expenses. With the consent of the hospital, HCCMIS insurance company can directly pay the medical expenses covered by Atlas insurance to the hospital.

Keep medical records, prescriptions, receipts, medical expenses details, etc. after seeing a doctor. , so as to use it when applying for reimbursement from the insurance company. You can learn the steps to apply for reimbursement of medical expenses here.

Atlas insurance can reimburse 100% of the medical expenses for diseases and injuries within its coverage.

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How to give first aid when the condition is critical?

The emergency number in China is 120. If you need to call an ambulance, you can call this number, mainly in Chinese. Emergency centers in some big cities can also provide English services. Ambulances in China are usually relatively simple in equipment. If you can't call an ambulance in an emergency, you can call a taxi and go directly to the hospital. Usually, large general hospitals have relatively complete rescue equipment and medical staff.

According to Atlas Insurance, if the patient is admitted to hospital, the insurance company can reimburse the ambulance fee.

China's medical resources are mostly concentrated in urban areas. Although there are primary medical institutions in rural areas, the level of medical equipment and medical personnel is relatively limited.

If a sudden serious illness or injury in a remote area of China may endanger life or lead to limb loss, and there are no suitable rescue equipment and personnel in the local area, Atlas Insurance can start emergency medical rescue service, contact its emergency rescue partner in China, and arrange to immediately transport the patient to a nearby large hospital for rescue by ground transportation or helicopter.

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How to buy prescription drugs in China?

If you buy prescription drugs, you need to get a doctor's prescription in China, and then go to a pharmacy to buy medicine. Domestic pharmacies do not recognize your doctor's prescriptions abroad.

Drugstores are distributed in various regions and are usually marked with a green cross. You can go directly to the drugstore to buy medicine. Some medicines need a doctor's prescription to buy. Hospitals also have pharmacies.

Pharmacies in international hospitals/clinics in China can sell drugs imported from abroad.

If you want to buy cold medicine, antipyretics and other over-the-counter drugs, you can go directly to the drugstore to buy them. Atlas insurance does not reimburse over-the-counter drugs.

If you have a chronic disease and need to take medicine regularly, then you need to take enough medicine with you when traveling. Your medicine abroad may not be found in China. It's best to bring the doctor's original prescription and show it when you go through customs.

If you lose or don't bring enough daily medicines, you need an emergency prescription. Then you can contact the 24/7 global customer service of HCCMIS Insurance Company, who can help you to get medicine locally or in other areas. You need to pay for the prescription yourself.

You'd better bring your own prescription or drug instructions, which can be used for doctors' reference when you need to fill it in China. You'd better indicate the generic name of each drug on the prescription. Generic name is the official international name of the same drug, which can be used all over the world. The same drug is produced by different pharmaceutical companies in different countries and will use different trade names. Providing generic names of drugs can help doctors in China find local equivalent drugs for you.

According to the regulations of Atlas Insurance, prescription drugs need to be paid by themselves before they can apply for reimbursement from the insurance company. Here, you can learn how to reimburse prescription drugs and other medical expenses.

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How to contact the insurance company's 24-hour global travel assistance center?

If you need professional assistance from insurance companies in an emergency, or have any questions about insurance, you can always use the 24-hour global travel assistance service center of HCCMIS Insurance Company to get assistance. You can contact the insurance company by telephone, email, LiveChat, etc. The main language of customer service is English. If necessary, you can ask for Chinese translation service.

You can contact the 24-hour customer service center of the insurance company directly by using the local telephone of the HCCMIS insurance company in the country where you travel. The specific method is as follows:

Click here to access the worldwide toll-free telephone number of HCCMIS Insurance Company.

Find the free access number of your country in the table above. You can call this number by local phone. When you are asked to enter your account code on the phone, enter "911411#" and you can immediately connect to the world service center of HCCMIS insurance company.

If you have difficulty in using the above methods, you can call the American HCCMIS in Hourly Customer Service Center at+1(317) 262-2132. You can use the collect phone in an emergency, that is, the insurance company's collect phone.