Health Insurance in China for Expats Cost ?

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    At United I have sometimes met the issues that a procedure was deemed to be over 5/6K at which point the billing department comes to inform you that it needs to be pre-approved by your insurance company.

    I was only able to do the procedure on that day as i was travelling the following weeks, they said i could pay with my credit card but i refused to do that so doctor and billing department spoke some machine-gun Shanghainese and all of a sudden the bill came to 4920 RMB which was then covered by my direct billing.

    Surely not complaining but just amazed at how flexible they are with prices. Also once needed an MRI and was told it would cost 12500 RMB obviously needed pre-approval again was denied this time as herniated discs were deemed a chronic condition with no cure??? Went to a local hospital for just the MRI and had to pay 1000 RMB then went back to United with the results…

    As long as i have insurance i will keep going there but rates have been going up steadily over the years….


    United have the most incredible racket going. The bird wot founded it is just raking it in by the millions. Parkway are doing their best to catch up, Worldpath are scouting for the crumbs. There are a couple of other minor players. But United are simply minting it. “World’s most expensive private hospital”, according to internal research done by one of the big international insurers with a presence here.



    No, the point is that if you are in Asia/China and earn even a good ESL salary, and you fullpats better have this much saved up after two months or you cannot budget, you can save up the money for heart surgery or being mended after a horrific auto accident. Save for one or two years and you can self pay anything that will happen to you.


    Even a low level ESL teacher can save $10k USD and that pays for anything. You MNC’s can self pay for anything – again, provided you don’t pay USA rip off prices that are keyed off your insurance plan which is why they ask for your insurance first. To see what they can maximum charge you for. Happens in the USA as well.

    If you end up paralysed and a quadrapalegic, then back home you go – but short of that you can pay it yourself.

    Then there is the issue of accepting that you aren’t entitled to millions of euros of care just so that you live, but that’s another thread…

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