Title: Insurance & Payment Policy
Subtitle: We help check possible insurance routes, but insurers and hospitals decide coverage and payment.

medcareinchina may help patients prepare insurance-related information for hospitals, private clinics, international departments, or direct billing/GOP review.

We may ask for:

• Insurance company.
• Member ID.
• Policy type.
• Insurance card.
• Benefit summary.
• Country of issuance.
• Whether China mainland is covered.
• Outpatient/inpatient coverage.
• Deductible.
• Co-pay.
• Exclusions.
• Pre-authorization requirements.
• Guarantee of Payment documents.

Important limits:

• We cannot approve insurance coverage.
• We cannot guarantee direct billing.
• We cannot guarantee reimbursement.
• We cannot override insurer or hospital decisions.
• Insurance coverage may differ for outpatient, inpatient, emergency, imaging, surgery, oncology, medication, maternity, pre-existing conditions, and experimental treatments.

Payment:

medcareinchina service fees are paid directly to medcareinchina according to written quotation. Hospital and third-party fees may be paid directly to hospitals or service providers unless otherwise agreed.

Medical cost estimates:

Before travel, we may provide estimated medical cost ranges. Final hospital bills depend on actual diagnosis, treatment plan, surgery findings, medication, length of stay, complications, ICU use, consumables, and insurance review.

If insurance is denied, delayed, partially approved, or requires additional documents, the patient remains responsible for payment according to hospital policy.