Get the flexibility to cover what really matters for your family and yourself with MyHEALTH China
MyHEALTH China is the health insurance plan that adapts to you.
With myHEALTH, you can customise your plan to suit your requirements and discover a price that is right for you. Each family member can establish their coverage.
MyHEALTH is accessible to everyone, whether you are a Chinese citizen, permanent resident, or an expatriate.
Mix and match modules to build your ideal cover
All monetary sums are in RMB and USD.
Modules | Essential | Extensive | Elite |
Hospital & Surgery | RMB 6,800,000 | RMB 13,600,000 | RMB 20,000,000 |
Outpatient (optional) | RMB 70,000 | Full Cover | Full Cover |
Maternity (optional) | RMB 34,000 per pregnancy | RMB 68,000 per pregnancy | RMB 102,000 per pregnancy |
Dental & Optical (optional) | * | ** | *** |
24/7 Evacuation, repatriation and assistance services | Included up to | Included up to | Included up to |
Your Outpatient expenses are subject to a 20% co-insurance. However, this does not apply when you use direct billing services within the Hong Kong Panel Network and present your e-card.
Let’s break down your 20% co-insurance with a consultation fee of USD 2000 as an example.
* Example claims to demonstrate how co-insurance and deductibles work on MyHEALTH China
Step 1
Design Your Cover
Our advisors will help you create and compare quotations
Step 2
Initiate Your Plan
Complete your personal details and medical questionnaire
Step 3
Start Your Policy
Get your e-member pack once your application is accepted
At APRIL, our commitment is to offer you a quality healthcare experience.
We make healthcare easier for you, wherever you are.
We guide you through the local healthcare system and support you when it truly matters. To simplify your experience, we equip you with the best digital tools on the market to manage your policy.
To create your plan:
• Start with the Hospital & Surgery module and add optional Outpatient, Maternity and Dental/Optical modules as you wish. Note: the level selected for optional modules must be equivalent to or lower than the level selected for your Hospital & Surgery module.
• For each module, choose from 3 levels of cover: Essential, Extensive and Elite.
• Personalise your area of cover and discount options to fit your needs and budget.
• MyHEALTH lets you customise each family member's plan. All plans include emergency assistance and repatriation.
With MyHEALTH China, you can choose your area of cover: Worldwide, Worldwide excluding the USA or Greater China. You will enjoy the same level of coverage and benefits whether you are in China or travelling abroad.
Yes, you can purchase MyHEALTH China to enhance your health coverage, even if you already benefit from a local or company-provided health insurance plan.
How does it work?
• You can choose a Hospital & Surgery cover with a deductible (covered by your local plan), and other optional benefits, such as Outpatient, Maternity or Dental/Optical.
• In case of hospitalisation, your local plan will cover you up to its limit, and APRIL will cover the remaining cost of the treatment (up to your annual limit, too).
• MyHEALTH China can also cover you for any benefits that your local plan does not cover, depending on the modules you choose.
We offer Full Medical Underwriting (FMU) as the underwriting method for MyHEALTH China, in which you need to declare your full medical history when you apply. We will make an offer based on your health declaration.
Managing your claims has never been easier. Submit, track, and update your reimbursement requests anytime, anywhere - quickly and securely.
Simply answer a few questions, upload your medical bills and supporting documents, and submit them via the app.
But that’s not all! Access your insurance card, request hospitalisation, get a second medical opinion, speak to a doctor 24/7, find nearby medical providers, and more - all in one app.
Fast. Simple. Convenient.
MyHEALTH is underwritten by AIG Insurance Company China Limited and arranged and administered by GlobalHealth (Shanghai) Enterprise Management Consulting Company Limited.
