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powderfinger303
Joined: 14 Nov 2006
Posts: 28
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 Posted: Thu Aug 16, 2007 2:21 pm Post subject: What do you do for Health Insurance? |
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I am in Shanghai, looking for a health insurance provider. Does anyone have any reccomendations for year-long terms? I am interested in accident, health, death etc.
Thanks in advance, |
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william wallace
Joined: 14 May 2003
Posts: 2869
Location: in between
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| Posted: Thu Aug 16, 2007 2:29 pm Post subject: |
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...and depending on your age(but anything can happen at any age,right?)- how about EVAC to Hong Kong etc..A buddy of mine is going through that NOW: 9,200 USD to London,and that's through connections.A plane commandeered to London for the same purpose--- 200,000 USD
Get insurance that cover that, it's well worth the investment. |
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John Nesbitt
Joined: 28 Jul 2007
Posts: 9
Location: ShenZhen, China
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| Posted: Thu Aug 16, 2007 2:59 pm Post subject: |
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Good question!
I am also looking for Medical Insurance and would like the contact info for a good insurance agent in Hong Kong or Shenzhen that can provide this service at reasonable rates.
Perhaps Dave's ESL cafe can negotiate group rates for members. |
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upchuckles
Joined: 11 Jan 2007
Posts: 111
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| Posted: Thu Aug 16, 2007 4:35 pm Post subject: |
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I use TravelEx Health Insurance and have been using them for seven years. They have offices in Hong Kong, In the airport, in fact alot of the foreign exchange kiosks are TravelEx. Probably the median priced outfit, but when it comes to claims and payouts, no one can beat them..
TravelEx Travel Accident Insurance |
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John Nesbitt
Joined: 28 Jul 2007
Posts: 9
Location: ShenZhen, China
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| Posted: Thu Aug 16, 2007 4:42 pm Post subject: |
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OGFT
Joined: 24 Jun 2006
Posts: 432
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| Posted: Fri Aug 17, 2007 2:47 am Post subject: |
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How about Chinese Insurance for the mainland, such as Hospital Insurance.
Does anyone deal with a company that insures on the mainland. |
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Nauczyciel
Joined: 17 Oct 2004
Posts: 319
Location: www.commonwealth.pl
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| Posted: Fri Aug 17, 2007 3:46 am Post subject: |
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| I wonder whether the new plans to provide insurance to more urban and rural Chinese residents will apply to FTs as well. I'm currently browsing through job offers and I'm getting tired of those "Medical service: on the campus" lines as I well remember that those 'campus doctors' can provide you with some ointment and not much more. Once I had to go to visit a hospital in Hunan and spent half of my monthly salary there. |
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ymmv
Joined: 14 Jul 2004
Posts: 387
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| Posted: Fri Aug 17, 2007 5:25 am Post subject: |
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| OGFT wrote: |
How about Chinese Insurance for the mainland, such as Hospital Insurance.
Does anyone deal with a company that insures on the mainland. |
PICC (Peoples Insurance Co. of China) has a group plan called: "Comprehensive medical insurance for foreigner and countryman from HongKong and Macao" (sic).
Details can be found at:
http://www.picchealth.com/english/tabid/496/InfoID/439/frtid/409/Default.aspx
As for cost, I don't know. My school pays it as an additional benefit for me, so the cost must not be too much. 
One thing, though, I was required to do a new health exam for coverage. It was the same health exam as is required for a work permit. Since I've been at the same school for a number of years, I haven't had one in awhile. That, or the FAO had lost my last orange book (the health exam book they issue when you take one). In any event, we did have to go and get a new one as the FAO told me PICC required it. The cost of the new one was paid by either the FAO or PICC; i.e. not me. If you have a more recent orange book, that'll probably be sufficient.
Check out the link above for more details about coverage and contact information for their Beijing office.
-Edited to update PICC link-
Last edited by ymmv on Mon Feb 16, 2009 11:13 am; edited 1 time in total |
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lostinasia
Joined: 11 Apr 2007
Posts: 466
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| Posted: Fri Aug 17, 2007 5:44 am Post subject: |
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| Nauczyciel wrote: |
| I'm currently browsing through job offers and I'm getting tired of those "Medical service: on the campus" lines as I well remember that those 'campus doctors' can provide you with some ointment and not much more. Once I had to go to visit a hospital in Hunan and spent half of my monthly salary there. |
Yea, I love the description by schools - "same health care provided to Chinese teachers" .... it would great if the "policy" was so simple to read with Blue Cross !
My last university had such a statement. The general idea for an in-hospital stay is 80% reimbursement for APPROVED items after the fact. My recent multi-week hospital stay for a spinal injury was almost 10,000 RMB. In the end my school actually reimbursed every single RMB ... not sure what that was all about ... but it worked well for me
It's time for people to clarify with their employer during the contract signing exactly what they get.
Of course, as other discussions suggest - not many of you are happy with Chinese care ... or the reimbursement of it for major injuries/illness. |
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