Insurance & Payment Policy
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
Where our role ends and where insurer or hospital decisions take over.
We cannot approve insurance coverage.
We cannot guarantee direct billing.
We cannot guarantee reimbursement.
We cannot override insurer or hospital decisions.
Coverage varies by category
Insurance coverage may differ for outpatient, inpatient, emergency, imaging, surgery, oncology, medication, maternity, pre-existing conditions, and experimental treatments.
Service Fees
medcareinchina service fees are paid directly to medcareinchina according to written quotation.
Hospital & Third-Party Fees
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, or partially approved
If insurance is denied, delayed, partially approved, or requires additional documents, the patient remains responsible for payment according to hospital policy.