Reply To: MSH China Health Insurance for Expats?

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#4866
Anonymous
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Lost track of this post…

Sorry to get back so late, but it’s never too late to say thank you, right?

Thanks everyone for sharing your experiences with me!

Well, I started seeing a doctor at Shanghai United Family and didn’t want to change.

The guys at United Family told me MSH is “the best” insurance company there is in Shanghai.

So, I was happy to hear that, which matched what a poster had said on this thread (see /profile/98-kate1504/?do=hovercard” data-mentionid=”98″ href=”<___base_url___>/profile/98-kate1504/” rel=””>>@kate1504¬†above).

What I have learned so far is that it depends 100% on the type of plan you have.

If it’s a good, comprehensive plan, MSH can be “the best”, as /profile/98-kate1504/?do=hovercard” data-mentionid=”98″ href=”<___base_url___>/profile/98-kate1504/” rel=””>>@kate1504¬†described above.

If your plan is standard, it can be “the worst” as /profile/95-drsubaru/?do=hovercard” data-mentionid=”95″ href=”<___base_url___>/profile/95-drsubaru/” rel=””>>@drsubaru described…

My plan is standard and they gave me this HUGE list of hospitals where I have 100% coverage with direct billing and prescriptions FULLY covered.

At what they call “deluxe”, high-cost medical facilities, I have 60% reimbursement with NO direct billing.

Bad news is United Family, Parkway, Sino United and East International are all “deluxe” clinics.

So, I tried to go to two of the best hospitals on their list, according to the Chinese owner of the company my husband and I work for: Huashan and Guanci.

At Guanci, NOONE speaks English, so it was a no-no from the start.

At Huashan, they actually have a Worldwide Medical Center, a completely separate international part of the hospital, on the 8th floor.

Trying to do what the Chinese owners had suggested when I complained the plan didn’t cover United Family, I tried to see a doctor in Huashan, although the lady to whom I talked on the phone to get directions to the clinic was very discouraging.

When I got there, the receptionists were really nasty and didn’t want to book me an appointment no matter what I said.

They said if I didn’t have a serious disease, they couldn’t make an appointment for me.

When I tried to make an appointment to see an OBGYN, they told me the doctor only comes on Tuesday afternoons and is very busy. I said: fine, make an appointment for me to see him when he has an opening.

After a lot of yelling in Chinese between themselves, one of the ladies said I should leave, because they would not make an appointment for me because the doctor doesn’t speak English well…

I couldn’t believe they were actually throwing me out of the hospital and then one of the three receptionists gave me a piece of paper with the name of the hospital she said I had to go to: Sino United (one of the ones where I don’t have 100% coverage).

After this not so pleasant experience, I’m back to United Family and will include the 40% of the bill that is not reimbursed by MSH in an expense report this month.

Let’s see what the witch-lady from the Financial Department has to say about that…

I’ll keep you posted…