How to Coordinate International Health Insurance in Shanghai

Coordinating international health insurance with local healthcare services can sometimes be tricky, but it is essential for smooth medical care in Shanghai. Here’s how to make sure your international insurance works effectively in China.

Using International Insurance at Local Hospitals

Many international insurance providers have agreements with hospitals in Shanghai, allowing you to use your policy at well-established local hospitals. Some Chinese hospitals may not automatically accept international insurance, but they may have special arrangements for expats with international health plans. It’s essential to call ahead or check with your insurance company to confirm that the hospital you wish to visit is on your insurer's network.

Using Local Insurance for International Travel

If your health insurance provider offers global coverage, this can be a useful benefit if you travel outside Shanghai or China. Some policies may include medical evacuation services, which are especially useful if you need to be transported to another country for more advanced medical care.

Navigating Reimbursement

While direct billing is ideal, sometimes expats may have to pay out of pocket for treatment and then claim reimbursement from their insurance providers. In such cases:

• Keep receipts: Be sure to collect all medical bills, prescriptions, and treatment receipts.

• Submit claims: Follow your insurance provider’s claims process, which may involve submitting forms and documentation online or through email.

• Be patient: The reimbursement process may take several weeks to complete, so it’s important to plan accordingly.

Understanding how your international insurance works with local hospitals and healthcare providers in Shanghai will ensure that you receive prompt medical care without any financial surprises.