Use the tables below to compare the benefits available

  • Full Refund
  • Not Covered
  • Subject to Limits
  • Optional

Compare ChinaCare Plans

Benefit Amber Jade Crystal
Maximum annual benefit limit Annual Max Plan Limit RMB 1,000,000 Annual Max Plan Limit RMB 2,000,000 Annual Max Plan Limit RMB 3,000,000
Emergency Ambulance Transportation

Emergency Ambulance Transportation

Full Refund Full Refund Full Refund
Parent Accommodation
Full Refund Full Refund Full Refund
Hospital Accommodation for New Born Accompanying their Mother
Full Refund Full Refund Full Refund
Reconstructive Surgery
Full Refund Full Refund Full Refund
Cancer Treatment
Full Refund Full Refund Full Refund
Diagnostic Procedures

Diagnostic Procedures

Subject to Limits Full Refund Full Refund
Hospital Charges, Medical Practitioner and Specialist Fees

a) Charges for in-patient or day-patient treatment
b) Related Ancillary charges

Subject to Limits Subject to Limits Subject to Limits
New Born Baby Cover
Subject to Limits Subject to Limits Subject to Limits
In-Patient Psychiatric Treatment
Subject to Limits Subject to Limits Subject to Limits
Terminal Illness – Palliative and hospice care
Subject to Limits Subject to Limits Subject to Limits
Emergency Non-Elective Treatment outside Mainland China For planned trips up to 30 days of duration
Subject to Limits Subject to Limits Subject to Limits
AIDS
Subject to Limits Subject to Limits Subject to Limits
Organ Transplant
Subject to Limits Subject to Limits Subject to Limits
Evacuation and Transportation Costs for Returning to City of Residence or Home City
Subject to Limits Subject to Limits Subject to Limits
Mortal Remains
Subject to Limits Subject to Limits Subject to Limits
Day-Patient and Out-Patient Surgery
Subject to Limits Subject to Limits Subject to Limits
Rehabilitation
Subject to Limits Subject to Limits Subject to Limits
Congenital Disorders
Subject to Limits Subject to Limits Subject to Limits
Renal Failure and Renal Dialysis
Subject to Limits Subject to Limits Subject to Limits
Out-Patient Charges
Not Covered Subject to Limits Subject to Limits
Out-Patient Psychiatric Illness
Not Covered Subject to Limits Subject to Limits
Alternative Therapies, Physiotherapy, Traditional Chinese Medicine and Ayurveda Treatment
Not Covered Subject to Limits Subject to Limits
Nursing Care at Home
Not Covered Subject to Limits Subject to Limits
Maintenance of Chronic Medical Conditions
Not Covered Subject to Limits Subject to Limits
Maternity
Not Covered Not Covered Subject to Limits
Medical History Disregarded
Optional Optional Optional
Standard Excess
Unknow Optional Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF
Find out more Find out more Find out more

Compare WorldCare Plans

Benefit Essential Advance Excel Apex
Maximum annual benefit limit Annual Max Plan Limit RMB 18,500,000 Annual Max Plan Limit RMB 22,000,000 Annual Max Plan Limit RMB 25,000,000 Annual Max Plan Limit RMB 28,000,000
In-patient and day-patient care

i) Hospital charges for in-patient and day-patient treatment

ii) Related ancillary charges

Full Refund Full Refund Full Refund Full Refund
Organ transplant

Treatment for and in relation to a human organ transplant of: kidney, pancreas, liver, heart, lung, bone marrow, cornea, or heart and lung as a recipient

Full Refund Full Refund Full Refund Full Refund
Cancer treatment

Treatment given for cancer received as an in-patient, day-patient or out-patient. Includes oncologist fees, surgery, radiotherapy and chemotherapy, alone or in combination, from the point of diagnosis

Full Refund Full Refund Full Refund Full Refund
Pregnancy and childbirth medical conditions

In-patient treatment of an eligible medical condition which arises during the antenatal stages of pregnancy or childbirth

Full Refund Full Refund Full Refund Full Refund
Evacuation and repatriation
Evacuation to the nearest medical facility for emergency treatment. Repatriation to country of nationality or residence for insured person and an escort
Full Refund Full Refund Full Refund Full Refund
Day-patient or out-patient surgery
Treatment costs for a surgical procedure performed in a hospital, day-care facility or out-patient department
Full Refund Full Refund Full Refund Full Refund
Out-patient medical practitioner fees

Medical practitioner fees including consultations; specialist fees; diagnostic procedures; prescribed drugs and dressings

Subject to Limits Full Refund Full Refund Full Refund
Rehabilitation
Admission to a recognised rehabilitation unit of a hospital on the advice of a specialist as an integral part of treatment
Subject to Limits Subject to Limits Full Refund Full Refund
Congenital disorders
In-patient treatment for a congenital disorder. In circumstances where a congenital disorder manifests itself in a new born baby within 30 days of birth
Subject to Limits Subject to Limits Subject to Limits Subject to Limits
Maintenance of chronic medical conditions
Such as but not limited to asthma, diabetes and hypertension
Not Covered Subject to Limits Subject to Limits Full Refund
Routine and complex dental treatment

Fees of a registered dental practitioner carrying out routine or complex dental treatment or surgery

Not Covered Not Covered Subject to Limits Subject to Limits
Routine maternity care

Medically necessary costs incurred during normal pregnancy and childbirth

Not Covered Not Covered Not Covered Subject to Limits
USA elective treatment

Fully-paid USA elective treatment within our network and a 50% co-insurance when treatment is received out of network

Optional Optional Optional Optional
Out-patient charges

A small amount of medical practitioner and physiotherapy benefits available with WorldCare Essential

Optional Not Covered Not Covered Not Covered
Out-patient direct billing restricted network*

Opt for our out-patient direct billing option – you get a nil excess within our Restricted Network and a USD 100 excess out of the Restricted Network – a more cost-effective solution than choosing a nil excess. This option is only available for plans in-force on or after 1 August 2015 and for Residents of Hong Kong and China.

Not Covered Optional Optional Optional
Greater China option

Cover for in-patient, day-patient, and out-patient treatment restricted to Greater China subject to the standard policy limits and emergency non elective treatment outside of Greater China. Greater China means Mainland China, Hong Kong, Macau and Taiwan.

Optional Optional Optional Optional
Hospital room restriction – PRC residents only

Access in-patient treatment in a semi-private room or with a 15% co-inusrance up to an out of pocket limit of RMB 47,000 per medical condition.

Optional Optional Optional Optional
High cost provider co-insurance

Get access to the high cost medical providers in Mainland China but pay a 20% co-insurance to reduce your premium.

Not Covered Optional Optional Optional
High cost provider restriction

Reduce your premium by restricting your access to the high cost medical providers in Mainland China.

Not Covered Optional Optional Optional
Out-patient restriction

Restrict any out-patient costs to a total of RMB 31,000 to reduce your premium.

Not Covered Optional Not Covered Not Covered
Co-insurance out-patient treatment

Select the co-insurance out-patient treatment option – pay either 10% or 20% of your out-patient treatment after any excess has been deducted (not available for WorldCare Essential).

Not Covered Optional Optional Optional
In-patient and out-patient co-insurance

Reduce your premium by paying an RMB 20% co-insurance for all treatment up to an out of pocket limit of RMB 63,000 per medical condition.

Not Covered Optional Optional Optional
See the option you like best? Download a benefit schedule or get a quote here.
Full List of Benefits Download PDF Download PDF Download PDF Download PDF
Find out more Find out more Find out more Find out more

 

Back To Top