Reply To: MSH China Health Insurance for Expats?

Home Forums MSH China Health Insurance for Expats? Reply To: MSH China Health Insurance for Expats?


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…

Our case studies

Featured case studies