Insurance Claims Assistance
Use Your Insurance with Confidence in China
Our founder is a licensed insurance agent. We review your policy, confirm direct billing, assist with pre-authorization, and organize claims documentation — so you don't face unexpected costs or denied claims.
Get Free Policy Review →Our Insurance Services
We bridge the gap between your insurance coverage and Chinese healthcare.
Policy Review & Explanation
We review your insurance policy in plain language — what's covered, what's not, deductibles, co-pays, limits, and exclusions. No fine print surprises.
Direct Billing Verification
We confirm which hospitals accept your insurance for direct billing — including VIP/International departments and private centers.
Pre-Authorization Assistance
We help you apply for pre-authorization (GOP) before inpatient treatment — avoiding large deposits and treatment delays.
Claims Documentation
We organize all medical records, invoices, and reports in the format your insurance requires — reducing claim rejection risk.
Cost Estimation
We estimate your total treatment cost and what insurance will cover — so you know your out-of-pocket expenses upfront.
Claim Appeal Support
If a claim is denied, we help you understand why and assist with the appeals process — gathering additional documentation and communicating with the insurer.
Direct Billing vs. Reimbursement
| Direct Billing (直付) | Reimbursement (事后报销) | |
|---|---|---|
| Who pays first? | Insurance pays hospital directly | You pay out of pocket first |
| Upfront cost | Only deductible / co-pay | Full bill (could be ¥100,000+) |
| Paperwork | Hospital handles most | You collect everything and submit |
| Processing time | Instant at hospital | Weeks to months |
| Availability | Only at network hospitals | Any hospital (if covered) |
How We Help
A simple 4-step process to insurance peace of mind.
Submit Your Policy
Send us your insurance card or policy document for a free review.
Get Clear Explanation
We explain your coverage, limits, and network hospitals in plain language.
We Coordinate
We verify direct billing, assist with pre-auth, and organize your documents.
You Save Money
No unexpected costs, no denied claims, no paperwork stress.
Real Insurance Case
📋 Thai Patient with MSH Insurance — ¥80,000 Saved
A patient from Thailand with MSH international insurance came to Guangzhou for breast cancer treatment. Through Saprimed's coordination:
✅ Coverage confirmed before travel
✅ Pre-authorization applied before admission
✅ Treatment arranged at hospital's International Department with direct billing
✅ All documentation organized for insurance
Result: Total treatment ¥120,000. Insurance covered ¥108,000 via direct billing. Patient only paid ¥12,000 (deductible + co-pay). No large deposit needed. No reimbursement wait.
Insurance Providers We Work With
International Insurers
MSH, Bupa Global, Cigna, Aetna, Allianz, and more.
Chinese Insurers
Ping An, and other domestic high-end medical insurance providers.
Corporate Plans
Employer-provided international health insurance for expats.
Not Sure What Your Insurance Covers in China?
Get a free policy review. We'll explain your coverage and help you use it effectively.
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