GBG is an American company specialising in international health insurance and has offered medical plans to expats in China earlier than any other China licensed insurer.
How we and our client’s rate them:
Price: High
China Direct Billing: 7/10
Cover: 7/10
Overseas Capabilities: 8/10
Service: Good
Popularity: 6/10
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
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Their worldwide cover plans are the most competitive
The cons
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Even though they have Worldwide options, It works best for people based mainly in China who are unlikely to regularly use the insurance overseas or in their home country. Direct billing overseas is patchy to say the least
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No servicing apps are available
Hospitals
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Direct billing available at high-cost providers (United Family, Parkway, etc.), private and foreign-funded hospitals and the VIP wards of public hospitals.
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A copayment may apply at high-cost providers depending on which plan is chosen.
