AXA Tianping

AXA Tianping is a joint venture between the giant French insurance group AXA and TianPing Auto Insurance Company Limited.

How we and our client’s rate them:

Price: Medium

China Direct Billing:  7/10

Cover:  7/10

Overseas Capabilities:  7/10

Service:  Standard

Popularity:  7/10

Direct Billing?  Yes

Online servicing?  Yes

Portable to other countries when you leave China?  Yes

Lifetime renewability?  No

*These ratings are subjective and based on our industry experience and feedback from our clients.

The pros

• Competitively priced Mainland China and inpatient only plans

• Competitive when high-cost providers are fully covered

• Free access to the premium CareVoice app where you can submit claims and look up hospitals

• Straightforward policy wording

• Flexibility in plan options

• AXA Tianping have a extensive offshore hospital network

The cons

• Only annual premium payment option available.

Hospitals

• Direct billing available at high-cost providers (United Family, Parkway, etc.), private and foreign-funded hospitals and the VIP wards of public hospitals.

• A copayment may apply at high-cost providers depending on which plan is chosen.