You are here: Personal Health Care (Zhenxiang Edition)
Introduction to Personal Health Care (Zhenxiang Edition)
Personal health care (Zhenxiang version) is designed for healthy people. It has a high insurance coverage and breaks through national medical insurance restrictions (no limit for countries, hospitals, medications, etc.). , Hospitalization, serious illness, dentistry, fertility, health checkup, etc.) medical expenses insurance.
Personal Health Medical (Zhenxiang Edition) Insurance = High Quality Comprehensive Health Benefit Insurance
Phone : 021-58525999 * 2157
Email : email@example.com
feature of product
Wondering the super guarantee to show the distinguished status <Br /> enjoy the annual high medical insurance amount of 8 million RMB, subvert the customer's understanding of ordinary medical insurance products, and show the customer's distinguished status.
Expenses are paid directly during the whole journey to enjoy health care. <br /> Exclusive direct-pay medical card, enjoy health care services covering well-known medical institutions in China and around the world. Medical expenses are paid directly by insurance companies throughout the process, and family members can enjoy preferential discounts.
Break through social security restrictions and comprehensive coverage <Br /> Break through social security hospital restrictions, breakthroughs in social insurance medicines and project restrictions, breakthroughs in corporate supplementary medical benefits, and breakthroughs in geographic coverage restrictions in hospitalization, outpatient, emergency rescue and rehabilitation and other comprehensive coverage.
Convenient cashless direct payment service—Insurance companies and hospitals settle directly.
China direct payment online medical institutions use smart card technology for instant settlement.
24-hour multilingual customer service hotline.
Provide online self-service query function.
There are nearly 1,800 direct payment medical institutions in China.
Prior authorization is the process by which a customer obtains a written authorization letter from GBG before receiving certain medical treatment. The client's policy plan also sets out the requirements for prior authorization.
What happens without prior authorization
Failure to obtain prior authorization will result in an additional 40% of the out-of-pocket expenses in the medical expenses covered by the insurance.
What are the benefits of prior authorization
Prior authorization is an additional service provided by GBG to customers to protect the following benefits:
Ensure customers enjoy maximum benefits under policy terms
Ensure that the client's treatment is medically necessary and is a benefit of the policy plan
Ensuring hospitals provide direct payment services to customers and avoiding claims afterwards
Ensure customers receive discounts from online hospitals
What do we need to know about prior authorization
Prior authorization cannot represent full claims. The basic principle of this insurance plan is to cover the medical expenses necessary for medicine. To determine whether a treatment, medical service, or drug is medically necessary, the following requirements must be met:
Necessary and relevant treatment items
No overtreatment outside the safe range
Recommended prescriptions by physicians
Non-experimental, research project
What happens after prior authorization is completed
GBG will send a guarantee letter based on the customer's benefit plan. If it is a hospital in the network, GBG will send a guarantee letter directly to the hospital to arrange direct payment service.
How long does prior authorization take
For authorization of non-emergency cases, customers need to contact GBG at least 5 working days in advance to submit an authorization application.
For urgent cases, there is no need to obtain a GBG guarantee letter before treatment, but customers need to inform GBG within 48 hours after receiving treatment.
How to do prior authorization
For prior authorization, fill out the authorization application form first. This form can be downloaded in the download area, or you can call the hotline at 400-613-8901.
After filling it out, please submit it with all relevant documents such as the initial medical record, diagnostic test report and so on.
Depending on the complexity of the case, further materials may still be needed, such as previous medical records. The incomplete authorization materials provided may cause delay in the review results or fail to approve them, and medical institutions may refuse to provide direct payment services.
Which services require prior authorization?
Hospitalization in all places requires prior authorization (including fertility / delivery hospitalization)
Any outpatient surgery requiring general anesthesia
Professional or private nurse home care (requires prior authorization when 4 or more times are needed)
Organ, bone marrow, stem cell or other tissue transplant
Air Emergency Transit-Air Emergency Transit Services will be coordinated by the insurance company's designated transshipment supplier
Any treatment, including the treatment of cancer and chronic diseases, is not in the above range, but the cumulative estimated cost in a insurance year is more than RMB 60,000, which requires prior authorization
Prior Authorization If your single dose is expected to exceed USD 3,000 or RMB 18,000, please contact the GBG Assistance Center for prior authorization
If you go to our direct payment network hospitals and medical institutions, according to the GBG and its direct payment agreement, you do not need to make claims afterwards. If you go to a non-GBG direct payment network hospital or medical institution for medical treatment or the hospital or medical institution cannot confirm your insurance benefits, you need to fill out a claim application form and apply for a claim from GBG. The following are the two direct payment procedures in China. Please refer to your "Guarantee Benefit Form", "Insurance Details" and insurance certificate to learn how to pay.
I. Outpatient medical direct payment process
2. Inpatient medical direct payment process
* The direct payment process for online medical institutions in different regions may be slightly different.
Our Personal Health Care (Zhenxiang Edition) plan is underwritten by Yongcheng and managed by GBG, bringing you high quality health protection and expert services for you and your family.
Yongcheng Property and Casualty Insurance Co., Ltd. (hereinafter referred to as Yongcheng Insurance) was established in 2004. It is a nationwide joint-stock property insurance company initiated by large-scale domestic and foreign power companies and industrial investment groups. With 33 provincial branches, more than 240 central branch companies and marketing services departments, more than 5,000 employees, forming a comprehensive national service network. In 2015, with its excellent value growth and excellent brand image in recent years, Yongcheng Insurance was awarded the "Top Ten Property Insurance Companies with Value Growth in China".
The company's business scope includes property loss insurance, liability insurance, health insurance, accident insurance and motor vehicle insurance. With personalized products and quality services, Yongcheng has become one of the most reputable and well-known insurance companies in China.
As a leading global product developer and service provider, GBG has focused on the international insurance market for more than 30 years. GBG issues health, life, disability and other special insurances for diasporas, third nationals, local high-end individuals or groups composed of the above. GBG's products are jointly operated by its unique insurance and reinsurance companies and are committed to protecting organizations and individuals who live and work across borders.
GBG serves customers through its Shanghai, Beijing branch offices and four other global administrative service centers: GBG International Claims Service Centers in Footill Ranch, California and Hyderabad, India; GBG Global Emergency Assistance Center in Toronto, Ontario, Canada and 7 24-hour hotline service center; 7-day 24-hour hotline service center located in the middle zone of Beijing, China.