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Jimmy

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  1. Certain insurers have higher increases than others based on their performance that year, though overall the premium increase should be around 8-12% per year due to medical inflation. 27% is very high, so it seems like you've gone up an age bracket (normally every 5 years, i.e. 21-25, 26-30 etc.).
  2. Great information, however there needs to be more clarification about actual coverage and allowances. I once had an international medical insurance policy from the States. Became injured on a remote jobsite ouside a third tier city. This required xrays, bloodwork and stitches at the local hospital, paid cash. Never received a reimbursement check. So, will all hospitals/clinics here in China accept and provide treatment without payment? Is it required to first get approval/pay bill - then submit any fapiaos to the respective insurance firms? It would be helpful to all here if you could attach a PDF file or provide a company website which shows what is covered and/or the limits of standard procedures/fees. What are the pre-existing condition terms, catastrophic coverage or disease restrictions? Kindly identify the specific coverage if there are different plans, annual costs, deductables, co-pays, etc.
  3. I have health insurance with BUPA, but there are many other international insurers that offer similar packages. It pays off to shop around and compare what's on the market.
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