Domestic companies engaged in overseas medical insurance include Bupa, Cigna (China Merchants Cigna) and MSH (Wan Xin and), among which the latter has more market share than the first two; However, domestic insurance companies and medical institutions are generally isolated from overseas medical care, and their cooperation has been in a running-in state, so their products also have many inapplicable situations, and there will be very embarrassing arrangements. In addition, in terms of overseas medical needs, high-end medical care in the Mainland is far from comparable to high-end medical insurance in Hong Kong, and the cost performance is not comparable to high-end medical insurance in Hong Kong. And only Hong Kong insurance is more suitable for global medical reimbursement and high-end medical needs. Of course, if you live in a country for a long time, it is best to apply for local medical insurance; If the future overseas (irregular) medical needs and hospitalization expenses in the Mainland are considered at the same time, high-end medical care in Hong Kong is the most cost-effective and appropriate.
In addition, the role of contractors in the policy is very important. In the follow-up insurance policy service, the results of different insurance companies helping mainland customers may vary widely, so it is recommended to refer to them.
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Finally, the customer must understand and compare the work experience, professionalism, professional stability, claim settlement experience, sense of responsibility and trust of the employees directly under the insurance company before making a final decision. Choosing the wrong insurer will cause the so-called "sequela" of the policy at any time, and users will regret it.