How to claim?

Whether you choose 'direct payment' or 'pay and claim' we provide a quick and easy claims process.
Some benefits need to be pre-authorised by us so make sure to check your health plan guide.
This is a summary of the claiming process, please refer to your 'Table of benefits', 'Terms and Conditions' and insurance certificate for full details on how claims will be paid.

DIRECT PAYMENT

We pay your benefits provider directly.

We send a claim payment statement to the policyholder.

PAY AND CLAIM

You pay your benefits provider yourself and submit the claim.

01

You go to the benefits provider for treatment.

You can contact us by phone or email to request a claim form.

You go to the benefits provider for treatment and pay for your treatment.

02

Your benefits provider contacts us directly. We send your benefits provider a pre-authorisation statement.

A copy will also be sent to you on request.

Your medical practitioner should complete the medical information section on the claim form.

03

The benefits provider will ask you to sign the pre-authorisation statement when you arrive for treatment.

You should complete all other sections, attach the original and fully itemised invoices (Fa Piao) and submit your claim by post to this address:

Bupa Consulting (Beijing) Co. Ltd
Bupa Global Market Unit Office No.#A01, 7/F,
North Tower, CP Centre,
CBD Core Area Z14,
Guanghua Road,Chaoyang District, Beijing,P.R.China
100026

04

We pay you for eligible treatment in line with the 'Table of benefits', 'General Exclusions' and 'Terms and Conditions' of your plan.

If a co-insurance* or deductible applies to any part of your claim, you will need to pay this to the benefits provider. We will reimburse the claim to the benefits provider minus the shortfall you have already paid.

We pay you for eligible treatment in line with the 'Table of benefits', 'General Exclusions' and 'Terms and Conditions' of your plan.

If a co-insurance* or deductible applies to any part of your claim, you will be reimbursed, minus the value of the co-insurance or remaining deductible amount.

*Co-insurance will not apply when receiving treatment in a public hospital in Mainland China.

Download a Claim Form

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Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

WELCOME TO THE NEXT CHAPTER OF GLOBAL HEALTHCARE

The simple tiered range brings the same great service expected from us, but it’s more than just insurance. We also focus on our customers’ all-round health through a number of wellness services included.

With clearly segmented benefits, our range brings simplicity and freedom to global healthcare so that globally minded people can choose the plan that’s right for them.

So whether in times when you need us most, like when you’re ill or facing a serious health condition, or when you’re healthy, we’ll be there.

TEAMING UP WITH TWO OF THE BIGGEST, MOST TRUSTED NAMES IN GLOBAL HEALTHCARE

Building on the domestic success and strong reputation in China, we have teamed up with Bupa Global and Blue Cross Blue Shield Global to offer a new range of high-quality healthcare products and services.

Customers with U.S. cover, will have access to the largest networks of healthcare providers worldwide, utilising both the Blue Cross Blue Shield networks in the U.S. and Bupa’s networks outside the U.S.

This combined strength, scale and expertise means customers can be confident in knowing that they have access to quality healthcare when and where they need it.

OUR GLOBAL HEALTH PLANS

Our range of global health plans are designed for those wanting an international cover, and the ability to choose where they receive their care at home, or away. These are just a few of the things that make us different.

Evacuation
Transplants
Health checks
Rehabilitation
In hospital care
Cancer treatment
Hereditary, congenital and chronic conditions
Mental therapies

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

HEALTHPRO CONCIERGE SERVICE*
Our team of healthcare professionals in HealthPro Concierge provides you with a range of services to support you at healthy times as well as throughout your treatment and recovery, including Second Medical Opinion from a global panel of medical specialists, a Doctor Referral service and global non-emergency and emergency assistance.
FINANCIAL REASSURANCE
Health insurance isn't just about your health. It's also about not worrying about unexpected costs. With us by your side – one of the world's leading international health insurers – you can simply focus on enjoying life.
MULTILINGUAL ADVISERS
When it comes to healthcare advice, we know that speaking to someone in your own language is Learn more than reassuring. It's key. For this reason, our team of advisers are able to offer help in multiple languages.
PRE-EXISTING CONDITIONS
We don't believe past health issues should stop you from enjoying your future. That's why, when you join our global health plans, many pre-existing conditions can be covered.
*HealthPro Concierge Service is not an insurance plan and is provided by Bupa Global, the administrator of the Global Health Plans.

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

Major Medical Health Plan

RMB12,600,000orUSD2,000,000 Overall annual maximum

Worldwide,exclude the U.S.Highlights

Standard private room

In-patient care

Advanced imaging

Evacuation

Treatment for cancer and other serious illnesses

Hereditary, congenital and chronic conditions

Transplants

Rehabilitation

etc.

Wellbeing

Health check

Learn more
Select Health Plan

RMB9,450,000orUSD1,500,000Overall annual maximum

Asia Pacific Highlights

Standard private room or semi-private room

In-patient and out-patient care

Evacuation

Treatment for cancer and other serious illnesses

Mental health

Hereditary, congenital and chronic conditions

Transplants

Rehabilitation

etc.

Wellbeing

Health check

Learn more
Premier Health Plan

RMB31,500,000orUSD5,000,000Overall annual maximum

Worldwide,exclude the U.S.Highlights

Standard private room

In-patient care

Evacuation

Treatment for cancer and other serious illnesses

Mental health

Hereditary, congenital and chronic conditions

Physiotherapists, osteopaths and chiropractors

Acupuncture

Homeopathy, naturopathy and Chinese medicine

Rehabilitation

etc.

Wellbeing

Health check

Dental and optical checks/treatment

Vaccinations

Learn more
Elite Health Plan

RMB63,000,000 orUSD10,000,000Overall annual maximum

WorldwideHighlights

Standard private room

In-patient and out-patient care

Evacuation

Treatment for cancer and other serious illnesses

Mental health

Hereditary, congenital and chronic conditions

Transplants

Physiotherapists, osteopaths and chiropractors

Maternity

Acupuncture and reflexology

Homeopathy, naturopathy and Chinese medicine

Cover for one child under the age of 10 at no extra cost (subject to underwriting)

Rehabilitation

etc.

Wellbeing

Health check

Dental and optical checks/treatment

Vaccinations

Learn more

Ultimate Health Plan

High level of cover with sufficient annual limits

This exclusive health plan protects you and your family with a wealth of preferential services. We care for your all-round health, with complementary treatment and generic cancer screening, plus a full maternity package with cover for two children under the age of 16 at no extra cost subject to underwriting.

Learn more

To view a summary of hospitals worldwide, please visit Facilities Finder at

https://www.bupaglobal.com/en/facilities/finder

Back Home

Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

Your employees will be looked after

When you take out a company plan with us, the health and wellbeing of your employees becomes crucial to us. We worry about the details so that you don’t have to.Wherever your employees are,
you can relax knowing that we’re just a phone call away.

Why cover your employees with global health plan?

Reassurance and access to medical assistance

Your employees and their families need the reassurance that wherever they are in the world, they can rely on receiving assistance to obtain access to appropriate medical treatment and care, and that the costs of medical treatment whilst overseas or in China can be covered.
Attract and retain employees

Showing that you care about your employees’ wellbeing can have a positive impact on staff morale and help you to attract and retain the best employees.

Cover for spouse and children < Whether your employees are working in China or moving and working abroad, by providing cover for your employees’ spouse and children they will have the added reassurance that if anything happened they have someone to turn to if they need prompt access to medical insurance. Alltrust Insurance’s Global Company Plan has a range of family focused benefits, such as newborn care, visits to the family doctor, vaccinations and prescribed out-patient drugs and dressings. The benefit to you is that our Global Company Plan can help your employees feel more engaged with the company and perhaps more focussed on their work as they feel, secure in the knowledge that their family's health needs are looked after.

WHAT CAN YOU AND YOUR EMPLOYEES EXPECT WITH OUR GLOBAL COMPANY PLAN?

WE SETTLE CLAIMS DIRECTLY WITH MORE THAN 1.7 MILLION MEDICAL FACILITIES GLOBALLY

FLEXIBLE PRODUCT OPTIONS WITH 4 DIFFERENT LEVELS OF COVER; OUR PLANS ARE DESIGNED TO SUIT THE NEEDS OF YOUR BUSINESS

A NON UNDERWRITTEN POLICY OPTION THAT OFFERS COVER FOR PRE-EXISTING MEDICAL CONDITIONS (FOR GROUPS INCLUDING 10 OR MORE EMPLOYEES), HELPING TO GIVE YOU AND YOUR EMPLOYEES PEACE OF MIND (EXCLUDING OVER-AGED EMPLOYEES AND DEPENDENTS)

NO LIFETIME LIMITS FOR CHRONIC DISEASES*– WE DON’T HAVE ANY SEPARATE LIFETIME MONETARY LIMITS FOR CHRONIC DISEASES LIKE CANCER
Are based in China, speak Mandarin and English, and are available to offer help, advice and reassurance 24 hours a day, 365 days a year

Deliver a personal service, by taking care of the little things like helping to find a local doctor and arranging direct settlement of medical bills
Premiums and claims can be paid in RMB or USD

We appoint a dedicated case manager for all complex treatment or lengthy stays in hospital

WE SETTLE CLAIMS DIRECTLY WITH MORE THAN 1.7 Million MEDICAL FACILITIES GLOBALLY.

*OVERALL ANNUAL MAXIMUM APPLIES TO ALL PLANS. ON THE GOLD SUPERIOR LEVEL, OVERALL ANNUAL MAXIMUM ALSO INCORPORATES AN ANNUAL MAXIMUM PER CONDITION.

How to create your individual plan

For full details of the terms and benefits including any limits please contact one of our team.

Next steps

We offer flexibility so you can choose what’s right for your employees, your company and your budget.
To find out more about the options available to you, contact one of our experts today via the “Get a quote” form at the top of the page.
They’ll be happy to discuss your needs, help you find the right cover for your company and provide you with a quotation.

Submit your enquiry via the enquiry form on this page, phone or e-mail
A member of our global health plan team will contact you to get a better understanding of your requirements.
A personalised quotation for your company will be emailed to you for review.

Back Home

Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

At AIC, we review our products on a regular basis to keep them relevant, fit for purpose and in the best interest of our customers.
With effect from 01/01/2021, we had decided not to renew the Premier Worldwide Health Option (Policy). All customers affected by the discontinuation of this Policy type will be notified 3 months before policy expiry by post (the Communication). The discontinuation of the Policy would not affect any eligible medical treatments and / or claims approved or incurred before the policy expiry date. To ensure customers are protected at all times, an alternative arrangement of cover is proposed to cater for their insurance need. Details of the proposals are included in the Communication. Customers may also contact 95552 or their appointed brokers / agents for details of the arrangement.

how we pay for treatment

Contact your 24/7 helpline for pre-approval

Mainland China: 400 0687 866

Outside Mainland China:+86 10 5854 1802

Direct Settlement

Pay and claim back

We will send a pre-approval statement to you and to your hospital/clinic

We confirm your cover, benefit limits and send you a claim form

Complete and sign the bank sections of the statement including the patient declaration .The hospital/clinic will attach invoices and send the claim to us

You pay for your treatment. Your hospital/clinic /doctor should complete the medical information section of the claim form.You should complete all other sections,attach invoices and send the claim to us

We review your claim and pay all covered expenses

We pay you back for all covered expanses

We send your claim payment statement to you

You settle any non-covered expenses with the hospital clinic or doctor

China Network Provider List Hong Kong Network Provider List Claim form

Back Home

Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

ABOUT US

Our global health plans are brought to you by Alltrust Insurance Company, the insurer, and are administered by Bupa Global – a highly experienced global healthcare specialist.

: Since being established in 2004, Alltrust Insurance Company has quickly become one of China’s leading insurance companies. With its head office in Shanghai, it has 33 provincial branches and more than 200 sub-branches across China – employing over 5,000 people. Products and services include property insurance, Products and services include property insurance, liability insurance, health insurance, accident insurance and motor insurance. It has an impressive portfolio, which alongside a strong reputation for service, has helped Alltrust Insurance become one of China’s highly reputable insurance companies.

Bupa Global is the international health insurance division of Bupa. Founders of Bupa were medical professionals. Their focus on quality care and service still drives all that Bupa do today. Bupa continues to remain free of shareholders, re-investing profits back into the healthcare services around the world. Bupa focuses on the needs and care of the customers and it fuels the drive to improve services and offering access to cutting-edge care.

With over 70 years of medical expertise, Bupa dedicated to helping customer live longer, healthier, happier lives and making a better world.

Back Home

Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

Contact Us

Contact Address

Alltrust Insurance Company Ltd.

Shanghai Branch

2F, Huaneng Union Building,
985 Lujiazui Ring Road,
Pudong New Area, Shanghai

Postcode: 200120

Guangdong Branch

1509-1513 Financial City Greenland Center,
No.662 Huangpu Avenue Central,
Tianhe District, Guangzhou,Guangdong

Postcode: 510665

Beijing Branch

20F,Building A,Shiji Jingmao Tower,
No.72 North Xisanhuan Road,
Haidian District, Beijing, China

Postcode: 100048

If you'd like more information about our branches , please visit

http://www.yongcheng.com/new/netMap/index

For general services/Pre-authorisation

Tel: 4000 687 866 / international number +86 10 5854 1802

Time: 9am to 6pm (Beijing time), Monday to Friday

Email: aic@bupa.com.cn

Ultimate Health Plan

Tel: 4006 109 600 / international number +86 10 5854 1810

Time: 9am to 6pm (Beijing time), Monday to Friday

Email: ultimate.cn@bupaglobal.com

Facility Finder Search Tool Link

https://www.bupaglobal.com/en/facilities/finder

Back Home

Products underwritten by and issued by AllTrust Insurance Company, an independent licensee of Blue Cross and Blue Shield Association, and administered by Bupa Global. Bupa Global is a trade name of Bupa, the international health and care company. Bupa is an independent licensee of Blue Cross and Blue Shield Association. Bupa Global is not licensed by Blue Cross and Blue Shield Association to sell Bupa Global/Blue Cross Blue Shield Global co-branded products in Argentina, Canada, Costa Rica, Panama, Uruguay and US Virgin Islands. In Hong Kong, Bupa Global is only licensed to use the Blue Shield marks. Please consult your policy terms and conditions for coverage availability. Blue Cross and Blue Shield Association is a national federation of 36 independent, community-based and locally operated Blue Cross and Blue Shield companies. Blue Cross Blue Shield Global is a brand owned by Blue Cross and Blue Shield Association. For more information about Bupa Global, visit bupaglobalaccess.com；and for more information about Blue Cross and Blue Shield Association, visit www.BCBS.com。

永诚在线

在线及时解答您的问题

How to claim?

WELCOME TO THE NEXT CHAPTER OF GLOBAL HEALTHCARE

TEAMING UP WITH TWO OF THE BIGGEST, MOST TRUSTED NAMES IN GLOBAL HEALTHCARE

OUR GLOBAL HEALTH PLANS

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

THE DIFFERENCE WITH A GLOBAL HEALTH PLAN

High level of cover with sufficient annual limits

Your employees will be looked after

Why cover your employees with global health plan?

WHAT CAN YOU AND YOUR EMPLOYEES EXPECT WITH OUR GLOBAL COMPANY PLAN?

WE SETTLE CLAIMS DIRECTLY WITH MORE THAN 1.7 MILLION MEDICAL FACILITIES GLOBALLY

Next steps

how we pay for treatment

ABOUT US

Contact Us

Contact Address

Alltrust Insurance Company Ltd.

Shanghai Branch

Guangdong Branch

Beijing Branch

For general services/Pre-authorisation

Ultimate Health Plan

Facility Finder Search Tool Link