It depends on whether the insurance policy includes coverage for out-of-pocket medications. Most high-end medical insurance plans can reimburse for compliant imported drugs and out-of-pocket medications, but they require a doctor's prescription and must meet conditions such as the absence of the drug in the hospital. Submit an application following the established process.

DOVECURE's accompanying staff will help you verify the scope of reimbursement, assist in preparing application documents, and strive for a smooth claim settlement.

Some high-end medical insurance policies include secondary diagnosis and treatment benefits, which can facilitate remote consultations with domestic experts. The specifics are subject to the terms of the insurance policy, and many customers are unaware of this benefit they possess.

DOVECURE can assist you in verifying your policy benefits, connecting with top-tier experts, completing medical record translation and process coordination. You only need to participate in the consultation.

Most high-end medical insurance policies can cover the necessary postoperative rehabilitation for medical reasons; however, they do not cover health and wellness-related physiotherapy treatments. These policies usually have annual limits, and some products restrict coverage to partnered institutions. If you are unsure whether your claim is eligible, you can provide your insurance policy and surgical records, and DOVECURE will assist you in verifying the rules and recommend formal rehabilitation institutions that are recognized by your insurance.

It depends on the insurance terms. Most high-end medical insurance policies can cover the treatment costs of COVID-19 and influenza, but some older products and general travel insurance have exclusions.

You can send the policy to DOVECURE, and our insurance consultant will help you verify the coverage and assist in organizing the claim materials.

Sure. Many high-end medical insurance terms are written in a very obscure way. Ordinary people can't understand what can be covered, what can't, what the coverage limit is, and what the deductible percentage is.

You can send the insurance clauses and coverage manual to DOVECURE. We have consultants who are familiar with international insurance rules, and they can help you interpret in simple terms: what can be covered by insurance for your medical treatment in China this time, how much you can expect to be reimbursed, and the most cost-effective way to proceed. Everything will be clear at a glance, so you don't need to delve into dozens of pages of English contracts on your own.

Yes, we can. For many services not covered by insurance (such as traditional Chinese medicine conditioning, physical examination, dentistry, medical aesthetics, etc.), by making an appointment through  DOVECURE Medical, you can receive exclusive discounted prices from our partner institutions, which are much cheaper than going directly to the store/hospital on your own.

Moreover, DOVECURE only recommends formal and qualified institutions, and will not seek unsafe places for you just to save money. We aim to help you save money while providing peace of mind.

 Yes, there is a time limit. Most insurance companies require claim applications to be submitted ‌within 30 to 90 days after treatment ends‌, while a few allow up to 6 months. Exceeding the time limit may result in claim denial.

Many people come to China for treatment and travel, then forget about the claim after returning home — by the time they remember, the claim period has already passed, resulting in unnecessary financial loss. We recommend organizing your documents and submitting your claim as soon as possible after discharge.

If you're worried you might forget, you can also give your documents to DOVECURE before discharge. We will translate and organize them for you, so you can submit your claim immediately upon returning home and never miss the deadline.

It depends on the nature of the accident and your insurance policy terms:

• If it is a reasonable and unavoidable medical complication (such as post-operative infection requiring extended hospitalization) and falls within the coverage scope, it is generally covered.
• If the extra costs are caused by medical malpractice or hospital negligence, the usual process is to first go through liability determination/compensation procedures with the hospital, and insurance may not necessarily cover it.

Handling such situations can be complex. We recommend preserving all evidence immediately, and contacting both your insurance company and us at the same time. DOVECURE can assist you in communicating with the hospital and organizing documents, helping to minimize your losses.

Most national public health insurance systems (such as Medicare in the U.S., NHS in the UK, and domestic public insurance in China) do not reimburse medical expenses incurred outside the home country. Only specialized ‌international medical insurance / global medical insurance‌ provides this coverage.

So you first need to confirm whether your policy offers "global coverage." If you're unsure, you can send photos of your insurance contract to DOVECURE, and we can help you check whether it includes treatment coverage within China.

Generally, it only covers outpatient, emergency room visits and hospitalization for ‌sudden acute illnesses or accidental injuries‌ — similar to travel insurance. Pre-existing conditions, health checkups, TCM conditioning, and dental treatment are not covered.

If you fall ill suddenly during the Canton Fair or your business trip, you can contact DOVECURE first. We'll help arrange your medical visit while simultaneously confirming whether your company's business travel insurance covers the claim, saving you the trouble of running back and forth between parties.

This service is designed for sudden critical injuries or illnesses occurring overseas. It can assist with emergency treatment, hospital coordination, and arrange medical repatriation back to your home country.

If you experience a sudden critical condition in China, you can call your insurance's emergency assistance hotline. ‌It only covers emergency situations‌ — chronic conditions, routine treatment, health checkups and wellness services are not included.

In case of an emergency, you can also contact DOVECURE. We provide emergency room escort services and simultaneously coordinate with the insurance assistance channel to improve response efficiency.

The price difference for the ward upgrade must be paid out of pocket. For example: if insurance covers 500 RMB/day for a general ward and the private room costs 1500 RMB/day, you would be responsible for the 1000 RMB daily difference.

At direct-billing hospitals, the insurance-covered portion is settled directly, and you pay the difference on-site.

If you're unsure about ward options and price differences, DOVECURE can provide tailored advice based on your insurance terms, balancing comfort and unnecessary expenses.

This is a very common situation and can be handled as follows:

• First, confirm the reason for claim denial — whether it is outside the coverage scope, due to missing application documents, or requires a second appeal.
• You can discuss with your doctor to adjust to an equivalent treatment plan that is covered by insurance.
• If you prefer to stick with the original plan, evaluate the out-of-pocket amount you can personally afford.

DOVECURE can assist in coordinating between the insurance company and the attending physician, clarify the reason for claim denial, and help adjust to a suitable plan — minimizing out-of-pocket costs and maximizing reimbursement ratios as much as possible.

Yes. DOVECURE works with officially qualified translation agencies. All translated documents are stamped with a special translation seal, meeting the claim review standards of the vast majority of international insurance companies.

Our translators have professional medical backgrounds and are familiar with medical terminology, avoiding the professional inaccuracies common in general translations. Many clients have had their self-translated medical records rejected by insurance companies, but successfully completed their claims after we re-translated the documents.

Yes, the documents can be reissued. However, handling this remotely on your own is very complicated — it requires coordinating with clinical departments, obtaining doctor signatures, official stamping, and translation, which involves high communication costs back and forth.

Simply send the list of required documents from your insurance company to DOVECURE. We will handle everything on your behalf at the hospital: reissuing documents, official stamping, scanning, translation, and final delivery to you — no need to travel back to China.

Chinese hospital systems are not connected with overseas insurance providers, so hospitals cannot directly look up your insurance details.

Direct billing process:‌ First, apply for pre-authorization from your insurance company. The insurer will issue an authorization letter and send it to the International Department / Insurance Office of the partner hospital. When you arrive at the hospital, simply present your name and insurance number — after verification by the hospital, direct billing can be activated.

Handling this on your own is time-consuming and error-prone. Simply hand over your insurance card and related requirements to DOVECURE. Our insurance specialists will assist with pre-authorization and coordination, so you can go directly to your appointment upon arrival.

The general rules are as follows:

•  Health checkups: Not covered by basic insurance; some high-end medical plans include an annual checkup benefit.
•  Dental treatment: Only covered by high-end medical insurance and dental add-on plans, excluding cosmetic dentistry (teeth whitening, orthodontics).
•  Ophthalmology: Eyeglasses and laser myopia surgery are mostly out-of-pocket expenses; treatment for conditions such as glaucoma and cataracts can be reimbursed.
•  Medical aesthetics and anti-aging: All are paid out of pocket. It is recommended to plan your budget in advance if you intend to experience the above services.

DOVECURE can recommend qualified institutions and help you access preferential pricing.

It depends on the type of insurance:

• Travel insurance / basic medical insurance: Most TCM wellness and conditioning treatments are not reimbursable; only treatments deemed medically necessary by a doctor (such as acupuncture for injury rehabilitation) may be covered at a lower ratio by a small number of plans.
• High-end medical insurance: Some plans include TCM coverage with an annual reimbursement limit, covering treatments such as acupuncture and tuina.
• TCM conditioning, weight loss and beauty treatments: All are paid out of pocket and cannot be reimbursed.

If your insurance includes TCM coverage, you can inform DOVECURE. We will prioritize connecting you with medical institutions that can issue claim documentation to facilitate your subsequent reimbursement process.

"Pre-existing condition" refers to the disease or health problem you already had before purchasing the insurance. The vast majority of medical insurance plans (including high-end medical insurance and travel insurance) do not cover pre-existing conditions, except for special high-end products that specifically include pre-existing condition coverage (with much higher premiums).

Therefore, if you travel to China specifically to treat your chronic disease, the expenses are most likely not reimbursable by insurance and you need to pay out of pocket.

If you are not sure whether your condition counts as a pre-existing condition and is eligible for reimbursement, you can share your insurance policy terms and medical history with DOVECURE, and we will help you make a preliminary assessment.

Most travel medical insurance plans cover emergency expenses that fall into the category of "sudden, acute, and non-pre-existing conditions".

The required documents include:

• emergency medical record (original Chinese copy + subsequent translated version);
• emergency medical invoice/receipt; detailed expense list;
• test reports (blood test, CT, X-ray, etc.);
• diagnosis certificate issued by the doctor.

It is recommended to sort out all the documents on the day of emergency treatment and do not lose them.If you are not sure which documents to keep and how to organize them, you can send photos to DOVECURE's consultants, and we will tell you which materials are necessary for the claim.

It is still worthwhile, you just use it differently. You can choose the International / VIP Department of public hospitals, where most premium insurances support direct billing. These departments share the same expert doctors as general departments, with better service and fewer crowds. If you must receive treatment in the general department, you can pay upfront first, then file a claim after returning home. All eligible expenses within the policy scope will still be reimbursed.

Tip: If you are unsure which option is more cost-effective, send us your insurance policy, and DOVECURE will calculate the best solution for you.

A: It is not 100% free, depending on your insurance policy.

If your insurance covers 100% of all selected treatments within the policy scope, you barely need to pay anything, just sign the form.

If there is a deductible, co-payment ratio, or uncovered items, you pay these parts on site, and the rest is settled directly between the hospital and the insurer.

DOVECURE's patient coordinator will confirm your coverage and direct-billing rules in advance, clarifying reimbursable and self-paid items to avoid awkwardness at checkout.

A: Pre‑authorization is generally required for costly treatment, hospitalization and surgery, including high‑priced services such as PET‑CT. Without it, insurers may deny or partially cover claims. Required documents include insured info, preliminary diagnosis, estimated treatment, cost and hospital details. DOVECURE Medical Concierge can handle it for you: we prepare bilingual documents, submit to the insurer and follow‑up to secure pre‑authorization before your visit.

Most international medical insurance imposes restrictions on these services:

1.Routine check‑ups, cosmetic dentistry and TCM wellness care: mostly self‑paid and non‑reimbursable;

2.TCM treatments such as acupuncture and tuina: covered by some high‑end plans with spending limits, and proof of medical necessity is required;

3. Therapeutic dental care: partially covered by certain policies with limited reimbursement rates and caps.

Coverage depends on your policy terms. Send us your policy document, and DOVECURE Concierge will give you a preliminary assessment.

Complications from reasonable treatment are generally covered if within your policy scope. No coverage applies for pre‑existing conditions or excluded items, subject to your insurance policy.

Contact your insurance broker immediately if unexpected issues occur. Keep all medical records and invoices for claim processing.

Direct‑billing means medical fees are settled directly between insurer and hospital. Simply present your insurance card and sign, no upfront payment or reimbursement claim is required.

Two main types of hospitals offer this service:

• High‑end private hospitals & clinics: Most accept major international insurance, with premium service at higher costs.
• International / VIP departments of public hospitals: Such as Peking Union Medical College Hospital International Department, Huashan Hospital International Department, and the VIP clinic of the First Affiliated Hospital of Sun Yat‑sen University. They work with selected international insurance plans, offering access to top public‑hospital specialists and decent service.

Book via DOVECURE, and we will confirm direct‑billing rules and assist pre‑authorization in advance for your smooth hospital visit.

This depends on your insurance product and the hospital you visit.

Major global high‑end medical insurance plans (such as Bupa, Cigna, Allianz, MSH, etc.) mostly support **direct‑billing** at private hospitals and international / VIP departments of public hospitals in China. Under direct‑billing, the hospital settles medical fees directly with the insurance company after your treatment, so you do not need to pay out‑of‑pocket upfront. However, ordinary outpatient and inpatient departments of regular public hospitals generally do not support direct billing. You will need to cover the costs yourself and claim reimbursement from your insurer after returning home.

If you are unsure which hospitals in China are covered by your insurance, please contact **DOVECURE Medical Concierge**. We can help you check the partner hospital network for your insurance plan.

It is generally acceptable, yet you will mostly need to pay all expenses upfront and file for reimbursement after returning home. Coverage is only valid for outpatient, emergency and inpatient costs caused by **sudden illness or accidental injury**.

Routine physical check‑ups, traditional Chinese medicine wellness services, dental care, cosmetic surgery, and treatment for pre‑existing conditions are usually not covered by travel medical insurance. Please refer to the clauses in your insurance policy. It is recommended that you carefully check the coverage scope and deductible before departure.

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