Cigna provide their medical insurance plans in China through a joint venture with China Merchants Bank creating Cigna CMB.
How we and our client’s rate them
Price: Medium
China Direct Billing: 9/10
Cover: 6/10
Overseas Capabilities: 8/10
Service: Very Good
Popularity: 5/10
Direct Billing? Yes
Online servicing? Yes
Portable to other countries when you leave China? No
Lifetime renewability? No
*These ratings are subjective and based on our industry experience and feedback from our clients.
The pros
-
Competitive inpatient only plans
-
Good post-sales servicing
The cons
-
Very strict underwriting
-
Coverage isn’t comprehensive
-
Do not provide full mortal remains repatriation benefit
Hospitals
-
Direct billing available at high-cost providers (United Family, Parkway, etc.), private and foreign-funded hospitals and theVIP wards of public hospitals.
-
A copayment may apply at high-cost providers depending on which plan is chosen.
