Посмотрите здесь: www.globalsurance.com У них есть неплохие предложения, недешево, но оплачивают лиубые мед.услуги в зависимости от пакета. К сожалению, у них нет офиса в Пекине, я общалась с представителем компании в Шанхае черeз email.
тоже влотную коснулся вопроса страхования. Все таки, со страховкой гораздо спокойнее. свзяавшись со страховым брокером
www.globalsurance.com получил от них такое предложение. что, уважаемые, думаете? есть советы?
"Globalsurance is one of the world's largest medical insurance brokers. We work with all of the major international medical insurance providers giving advice to clients throughout the world. We are a Hong Kong based Insurance Broker and I am located in our Shanghai office. Our service is free and includes assistance over the phone and by email. We are here to help you find the plan that suits your needs.
Please take a look at the attached medical overview tables for a comparison of benefits and premiums across a range of insurers.
I have quoted you plans with both inpatient and outpatient cover, as per your request.
I have quoted an excess/deductible on each plan from US$40 to US$1,600. I have done this to show you a range of quotes. Please note there is a wide choice of excesses/deductibles available and I can easily quote different ones for you, upon request, so you can see how it affects the annual premium.
The deductible/excess is the amount of eligible medical expenses you would pay before your insurance would cover you.
Some insurance companies have "per year" while others have "per condition" excesses/deductibles.
Per year means that if you have a excess/deductible of "$100 per year" this means that if you have a broken leg for example, you will pay the first $100 towards the cost and any remaining treatment will be covered by your insurance. You will pay nothing else for the remainder of the policy year.
If you have a policy with "$50 Per condition" this means that if you have a headache and visit your Doctor, you will pay the first $50 towards the cost of that treatment, and then any remaining treatment for this headache will be covered including any possible future treatment relating to this same problem. However if, on another occasion, you have a sore throat, then this is another condition and again you must pay the first $50 before the insurance company will cover the cost.
All plans quoted are in USD, and are for annual worldwide coverage.
§ The plans from Goodhealth, Taiping, Allianz and Interglobal/AXA will cover you worldwide, however these plans only provide emergency cover in the US.
The Allianz plans are considered one of the most comprehensive on the market. They provide full coverage for chronic conditions developed while on the plan and will also consider covering pre-existing medical conditions. Their administration of claims reimbursement is extremely quick and efficient.
§ The plans from William Russell and BUPA will cover you worldwide excluding the US.
§ The plans from IHI Denmark will cover you completely worldwide including the USA. They provide full coverage for chronic conditions developed while on the plan and will also consider covering pre-existing medical conditions.
§ The plans from IMG/Ping An will cover you worldwide excluding the US and Canada, however it does provide limited cover up to USD 900,000 inside these countries that must be within their preferred hospitals network and has a 20% co-insurance.
Goodhealth, Taiping, Allianz, AXA, BUPA and IMG/Ping An all have an “Outpatient Direct Billing Network” in China.
Sir, I would suggest for you the AXA Comprehensive Plan. AXA has an excellent “Outpatient Direct Billing Network” in China. Their Comprehensive plan includes:
§ Full inpatient coverage;
§ Outpatient coverage up to USD 8.500 (with 10% co-pay);
§ Excellent coverage for annual medical check up (up to USD 680 with no waiting period);
§ Good coverage for dental treatment (up to USD 850 with 25% co-insurance).
have attached their brochure so you can see the plan in more detail.
Please let me know if you would like any further information about any of the plans quoted. I will be more than happy to send you any brochures for plans you are interested in so we can analyse them in further detail.
You have a free choice of Doctor and Hospital anywhere in the world.
You can generally choose to pay for the plans monthly, quarterly, semi annually or annually, though some companies may have not have all of these options.
The insurance travels with you so wherever you are in the world you will be medically covered at all times. So whether you are in Europe, Australia, Asia, Middle East, Africa etc you will be covered at all times.
Please note that different companies have different policies regarding pre-existing medical conditions. Please advise me if you have had any major surgery in the past or if you have in the past, or are now, taking any medication for on-going conditions.
We also offer Life, Income Protection, Property and Business insurance. Just let me know if you might be interested in these.
Please don't hesitate to contact me if you have any questions. I can call you at a time convenient to you if there is anything you may need clarified.
Thanks, I look forward to your reply.
Kind regards,
[Globalsurance]
Pacific Prime International Ltd.
15 Dongping Lu, Suite 503
Shanghai, 200031
上海徐汇区东平路15号东平大厦 503室.
Tel: +86/21 6467 1304
Fax: +86/21 6467 0328
Web:
www.globalsurance.com "