Insurance
1.Will my insurance company accept treatment done at Beijing Tiantan Puhua Hospital?
We have agreements with many of the main insurance companies and also some direct billing agreements. If you have questions about a particular insurance plan, please feel free to contact us!
2.How much should the policy cover?
An insurance policy’s limit can range from thousands to millions of US$ or Euro. The higher your limit, the more your insurance will cover. In many countries, hospital care is subsidized or free making a hefty insurance seem like an unnecessary expense. When disaster strikes however, it is important to have an insurance that covers what you need. Therefore, we recommend a cover of at least US$1 million.
3.Should I get emergency evacuation coverage?
In most cases, an insurance plan made for expatriates will include emergency evacuation. Should something happen and you are in a location where suitable healthcare is not available, your insurance company will arrange and pay for transportation costs to get you to the nearest appropriate hospital.
4.What do they mean by out-patient treatment?
Out-patient treatment means that you are covered for shorter appointments and consultations to see your doctor. Usually this means things like doctor consultations, lab tests, and follow-up exams. If you have been to the doctor for a condition like a cold or a sore back you may want to consider this type of coverage.
5.Will they cover prescription medication?
Most insurance companies have limits as to how much of your medication they will cover. We advise you to check these limits before hand and to “shop around” for options. The amount of money you spend on medicine can sometimes be the largest part of the overall bill.
6.What happens if I have a pre-existing or chronic condition?
Usually healthcare plans designed for individuals and small groups don’t include cover for pre-existing or chronic conditions. There may however, be exceptions in some cases. These are usually more expensive plans but may be worth it.
7.What about my regular check-ups?
Routine treatments and check-ups are most likely automatically covered by your health insurance plans. Sometimes the coverage will not come in to effect before a waiting period, it depends on your healthcare plan. Mammography, genealogical exams, prostate screening, vaccinations, and sometimes vision benefits fall under this category. Contact your insurance provider or refer to your policy terms for limitations and requirements.
8.Will I get dental?
Some plans do not include dental treatment at all. However, dental options can be found and often include varying percentages of cover, depending on the treatment. For example, many plans include an exam and x-rays, along with one to two cleanings per year, and then 80% coverage for such treatments as fillings and root canals; and then 50% for crowns or bridges, etc. Each plan has different categories and levels of coverage, so it is best to consult with your insurance provider or refer to your policy terms for clarification.
