New! Starting from April 1, 2016, the Atlas insurance plan has canceled the requirement for pre-certification and no longer requires the insured to undergo hospitalization, surgery, or MRI/CT. Notify your insurance company in advance to obtain prior authorization prior to the inspection. Medical expenses covered by insurance can be reimbursed according to regulations.

Insurance rates remain unchanged for 2016.

If you apply for Atlas group insurance for 25 or more people, you will get a 15% discount on the insurance premium, and for 5 or more people, you will get a 10% discount on the insurance premium.

In insurance policies and insurance contracts, HCCMIS Insurance Company uses the new name Tokio Marine HCC Medical Insurance Services Group.

Atlas International Travel Medical Insurance

Globally applicable international travel medical insurance, suitable for citizens of all countries who go to China for tourism, family visits, business, work, and study!

Medical and travel coverage of US$50,000 to US$1 million;

Emergency medical assistance of US$1 million;

Accidental death/disability compensation up to US$50,000;

Insurance of US$50,000 to US$1 million for acute onset of pre-existing conditions;

Provides acute pregnancy complications protection for pregnant women within 26 weeks of pregnancy;

Insurance for adventure Coverage for sports (such as mountain climbing, diving, bungee jumping, etc.);

24-hour global medical and travel assistance services;

The minimum insurance premium is less than US$1 per day;

And more emergency medical and travel accident protection (Atlas Insurance Chinese Manual);

How to get a free quote and buy Atlas insurance online?

* Apply for Atlas group insurance for five or more people and get a 10% discount on the insurance premium!

After signing up for Atlas international travel medical insurance, please carry your insurance card with you. The insurance card contains the insurance company's contact number and your insurance number. If you need assistance in a medical or travel accident, you can contact the insurance company’s 24-hour customer service center at the U.S. headquarters at any time. The insurance company can also provide free translation services.

In the event of sudden illness or accidental injury, Atlas insurance allows you to freely choose a medical institution for treatment, and medical treatment does not require advance approval from the insurance company. Atlas insurance can reimburse covered medical expenses according to regulations.

In ordinary outpatient and emergency cases, you can pay the medical expenses first and then apply for a claim from the insurance company. If hospitalization is required, it is best to notify the insurance company as soon as possible. Staff can contact the hospital to help arrange settlement of medical expenses and provide other necessary assistance. Please keep the complete medical report, detailed list of medical expenses, receipts and other proofs, and send them to the insurance company when applying for a claim.

You can apply for a claim online. After logging in to ClientZone, you can fill out and send the claim application online, or upload and send the claim application documents through the Customer Service Center.

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Who can use Atlas insurance when traveling to China?

Foreign visitors traveling to China from abroad can use Atlas travel medical insurance.

Chinese citizens who have lived abroad for a long time, such as international students studying abroad, Chinese citizens working abroad for a long time, Chinese immigrants settling abroad, etc., when returning to China for short-term travel and residence, such as visiting relatives and traveling You can also use Atlas insurance when working, studying, etc.

Since Hong Kong and Macau are special administrative regions, residents of Hong Kong/Macau traveling to mainland China, residents of mainland China traveling to Hong Kong/Macau, or residents of Hong Kong traveling to Macau/residents of Macau traveling to Hong Kong can use Atlas. Travel medical insurance.

Taiwan residents can also use Atlas travel medical insurance when traveling to mainland China, or Hong Kong/Macau.

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Introduction to China’s medical institutions

The vast majority of China’s medical institutions are run by the government There are also public hospitals managed by the Ministry of Health, as well as a small number of private hospitals, including some foreign-funded hospitals/clinics. Atlas insurance allows you to choose to be seen at any medical facility.

There are public medical institutions in both urban and rural areas in China. Large general hospitals and medical centers are mainly located in cities. These hospitals are divided into first-level hospitals, second-level hospitals, and third-level hospitals according to their medical level and resources. Tertiary hospitals are usually the hospitals with the highest level of medical care, followed by secondary and primary hospitals.

In rural areas, there are government-managed primary medical institutions, including community health service centers, township health centers, clinics, village clinics, etc.

Typically, medical equipment in rural areas is relatively simple, and medical staff receive less formal training than doctors in urban hospitals. They are sometimes reluctant to treat foreign patients. If conditions permit, try to receive treatment in a city hospital.

China’s public hospitals/clinics are open to everyone, including Chinese citizens and foreign citizens. Under normal circumstances, when you go to the hospital, you are usually treated on a first-come, first-served basis. At present, hospitals in some big cities have also begun to accept telephone or online appointment registration services. You can go to see a doctor according to the agreed time.

When you go to the hospital, you usually have to queue up to register and pay the registration fee. Then wait outside the doctor's office. After the doctor's examination, if laboratory tests are required, you will be given one or more laboratory tests. Pay the fee first, and then go to the relevant laboratory department or imaging department to wait for the examination. Some test results can be obtained on the same day, while others may take several days to obtain. If your doctor prescribes it, you can buy it at the hospital pharmacy. Pay for the medication first and then pick up the medication.

According to China's national conditions, large hospitals usually have more patients due to their higher medical level, and the queue time is longer.

Please note that traditional Chinese medicine treatments such as acupuncture and massage are not covered by Atlas insurance.

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International clinics/hospitals

Currently in big cities in China, such as Beijing and Shanghai International hospitals/clinics invested by foreign investors can be found in places such as United Family Hospital, Beijing International Medical Center, Shanghai Oriental International Hospital, etc., which mainly provide medical services to foreigners working in China. The medical level and services of international hospitals/clinics are usually performed in accordance with international standards. After signing up for Atlas insurance, you can go to these international clinics/hospitals.

Doctors in foreign-funded clinics mostly receive medical education and training abroad and can provide medical services that meet international standards. Foreign doctors usually have medical licenses from their home countries and medical qualification certification in China, and use English or other languages. There are also Chinese doctors here who can speak Chinese and other languages.

Medical charges in international clinics are higher than those in Chinese public hospitals. As long as it is a covered medical expense, Atlas insurance can reimburse 100%. International clinics can usually accept credit card payments. If you notify your insurance company in advance before seeing a doctor, they can contact the hospital to settle the medical expenses for you.

In addition, some tertiary hospitals in big cities have outpatient services for foreign guests. The medical conditions here will be relatively better. Medical staff can usually speak English and Chinese and provide medical services to foreigners. You can go to the foreign clinic for medical treatment.

When making payment, some major hospitals accept credit cards. Most hospitals require cash payment.

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How to find the medical institutions of HCCMIS Insurance Company International Medical Network in China?

When you suddenly become ill or injured while traveling in China, you can use Atlas International Travel Insurance to seek treatment at any medical institution in China. It is recommended that you give priority to HCCMIS insurance company’s cooperative medical institutions in China.

HCCMIS insurance company has hundreds of medical institutions participating in its EQUIAN international medical network in more than 40 cities in China. Most of these medical institutions are foreign-funded or Sino-foreign joint venture hospitals operating in China, as well as large public general hospitals. HCCMIS usually chooses domestically reputable hospitals/doctors as partners to ensure high-quality medical care.

Medical institutions within the EQUIAN International Medical Network can establish direct settlement relationships with HCCMIS insurance companies. If you notify the insurance company in advance before seeing a doctor, the insurance company's staff can contact the hospital clinic, and with the consent of the hospital clinic, the insurance company will pay the medical fee. That is to say, when you see a doctor at a hospital clinic within the medical network, the hospital can send the bill to the insurance company, and the insurance company will directly pay the medical expenses for the covered illness/injury to it. This will make it easier for you to use your insurance to see a doctor.

The insurance company’s EQUIAN International Medical Network has cooperative hospitals and clinics in the following cities in mainland China: Beijing, Shanghai, Changchun, Changsha, Chengdu, Chongqing, Dalian, Dongguan, Guangzhou, Guiyang, Hangzhou, Harbin, Hefei, Hengyang, Heze, Huaibei, Jinan, Kunming, Nanchang, Nanjing, Nanning, Ningbo, Qingdao, Shenyang, Shenzhen, Shijiazhuang, Suzhou, Taiyuan, Tianjin, Wuhan, Wuxi, Xi'an, etc.

You can find your insurance company’s local medical partners online.

Please note that Atlas travel medical insurance can be used throughout China, including Hong Kong, Macau and other regions. Listed above are cities where insurance companies have cooperative medical institutions. Whether in the cities listed above or in other cities, you can freely choose local hospitals and clinics for treatment and obtain medical and travel accident protection in China.

You can learn how to use Atlas international travel medical insurance in Hong Kong here.

New!

＊HCCMIS insurance company’s international medical cooperation network has been updated. You can click here to enter HCCMIS's FIND A DOCTOR OR HOSPITAL web page and click on the International Doctors Search Engine link to find its partner medical institutions in China and around the world.

When looking for medical institutions in China, first set the search criteria in the Specify Provider Type and Location Criteria column.

Select "China" in the Country column, select a city in the City column, such as Beijing, and finally select the type of medical institution (Type). You can read an explanation of the types of medical facilities here. Set the Type column to "ALL" to display the largest possible search results.

You can use the Language, Gender and Service Criteria tool to select the doctor's gender, language, and service category.

If you know the name of a doctor or hospital, you can use the Specify Provider Name Criteria to verify whether it is a member of the EQUIAN International Medical Network.

Finally click the "Search" button to get the search results. (See the picture below)

You will see that there are 60 hospitals and clinics in the Beijing area that belong to the HCCMIS insurance network. The name, address, phone number and other contact information of these medical institutions are displayed on the screen. Click the "Map" button to see a Google map of this medical institution.

Click the "Export to PDF" button in the upper left corner of the search results, and the website will automatically generate a PDF file, including the contact addresses and phone numbers of all medical institutions. It is recommended that before departure, you print a list of hospitals/doctors at your travel destination for emergencies.

The text on the HCCMIS International Medical Network search page reminds you to notify your insurance company before seeing a doctor. The staff of the insurance company can contact the medical institution of your choice, and with the consent of the hospital and clinic, the insurance company will pay the medical expenses covered by the insurance. However, insurance companies do not guarantee that the medical facilities found here will accept direct settlement arrangements for medical expenses.

If it is a general outpatient or emergency treatment, you do not necessarily need to notify the insurance company in advance. You can pay the medical expenses yourself first and then reimburse the insurance company.

If it is hospitalization, surgery, etc., you'd better notify the insurance company in advance. The insurance company can contact the hospital to arrange direct settlement of medical expenses to ensure that you receive timely and necessary treatment.

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How to pay after seeing a doctor in China?

Most hospitals and clinics in China implement a system of charging first and then seeing a doctor. It is best to bring enough cash in RMB when you go to the hospital. Many hospitals do not accept bank cards. If you are in a rural area, general clinics only accept cash and cannot accept bank cards.

HCCMIS Insurance Company’s International Medical Network has cooperative medical institutions in many urban areas in China. When seeing a doctor at a hospital clinic within the international medical network, the hospital clinic can send the bill to the insurance company, and the insurance company will directly pay the hospital the medical expenses covered by its coverage. You will need to notify your insurance company in advance to make arrangements.

Normally, when visiting an outpatient or emergency department in China, you must first pay for outpatient fees, examination fees, prescription drugs, etc., and then apply for reimbursement from the insurance company.

If hospitalization or surgery is required, it is best to notify HCCMIS insurance company in advance. Insurance company staff can contact the hospital to arrange medical expense settlement. With the hospital's consent, HCCMIS insurance company can directly pay the hospital the medical expenses covered by Atlas insurance.

After seeing a doctor, you should keep your medical records, prescriptions, receipts, detailed bills of medical expenses, etc. for use when applying for reimbursement from the insurance company. You can learn the steps to apply for reimbursement of medical expenses here.

Atlas insurance reimburses 100% of the medical expenses for covered illnesses and injuries.

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How to give first aid in a critical condition?

The emergency number in China is 120. If you need to call an ambulance, you can call this number. The service is mainly in Chinese. Emergency centers in some big cities can also provide English services. Ambulances in China usually have relatively simple equipment. If you cannot call an ambulance in an emergency, you can call a taxi and go directly to the hospital. Usually large general hospitals have relatively complete rescue equipment and medical personnel.

According to the rules of Atlas insurance, if the patient is admitted to the hospital, the insurance company can reimburse the cost of the ambulance.

China's medical resources are mostly concentrated in urban areas. Although there are basic medical institutions in rural areas, the level of medical equipment and medical personnel is relatively limited.

If a critical illness or trauma suddenly occurs in a remote area of ??China that may threaten life or lead to loss of limbs, and there are no suitable rescue equipment and personnel in the local area, Atlas Insurance can activate emergency medical rescue services and contact them at China's emergency rescue partners arranged to use ground transportation or helicopters to immediately transport the patients to nearby large hospitals for rescue.

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How to buy prescription drugs in China?

If you buy prescription drugs, you need to get a prescription from a doctor in China and then go to a pharmacy to buy the medicine. Domestic pharmacies will not recognize your prescription from a doctor abroad.

Pharmacies are located in various regions and are usually marked with a green cross. You can go directly to the pharmacy to buy medicine. Some medicines require a doctor's prescription before they can be purchased. There is also a pharmacy in the hospital.

The pharmacies of international hospitals/clinics in China can sell drugs imported from abroad.

If you want to buy over-the-counter medicines such as cold medicines and antipyretics, you can go directly to the pharmacy to buy them. Atlas insurance does not reimburse the cost of over-the-counter medications.

If you have a chronic disease and need to take medication regularly, you need to bring enough medication with you during the trip. The medicines you have abroad may not be found in China. It is best to bring the original doctor's prescription with you so that you can show it when going through customs if necessary.

If you have lost your daily medication or did not bring enough, you need emergency medication. Then you can contact HCCMIS Insurance Company’s 24/7 global customer service, who can assist you in dispensing your prescription locally or elsewhere. You will need to pay the cost of dispensing your prescription yourself.

It is best to bring your own prescription or medicine instructions, which can be used as a reference by Chinese doctors when they need to dispense medicine. It is best to have the generic name of each medicine on your prescription. The generic name is the internationally unified official name of the same medicine and can be used around the world. The same medicine is produced by different pharmaceutical companies in different countries and uses different trade names. Providing the generic name of the drug will make it easier for doctors in China to find equivalent local alternatives for you.

According to the regulations of Atlas insurance, you need to pay for the prescription drugs yourself before applying for reimbursement from the insurance company. You can learn about the process of reimbursing prescription drugs and other medical expenses here.

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How to contact the insurance company’s 24-hour global travel assistance center

In case of emergency If the situation requires professional assistance from the insurance company, or if you have any questions about insurance, you can use HCCMIS Insurance Company’s 24-hour global travel assistance service center to get assistance at any time. You can contact the insurance company by phone, email, LiveChat, etc. The main language of customer service is English, and you can request Chinese translation services if needed.

You can directly contact the insurance company’s 24-hour customer service center using the HCCMIS insurance company’s local telephone number in the country of travel. The specific method is as follows:

Click here to enter the Worldwide Toll-Free Numbers of HCCMIS Insurance Company.

Find the toll-free access number for your country in the table above and dial this number from your local phone. When you are asked to enter your account code on the phone, enter "911411#" and you will be immediately connected to the World Service Center of HCCMIS Insurance Company.

If you have difficulty using the above method, you can call the 24-hour customer service center of HCCMIS US headquarters at +1 (317) 262-2132. In emergencies, you can use Collect Call, which is a call paid by the insurance company.