This page includes all the latest updates that we are sharing with our client base to help with the ongoing resurgence of COVID-19 cases in mainland China. As always, if you have specific questions related to your health insurance cover at this uncertain time, we recommend seeking clarification from your insurance provider or One World Cover consultant – please get in touch. We are happy to help. In the meantime, stay healthy.

Health Insurance FAQs – Below we have provided feedback from some of the more popular health insurance companies in mainland China. Just click on your health insurance company to see the most up-to-date information on how they are covering COVID-19 and what additional support you can expect at this time.

Online/Telehealth Healthcare – Recently a number of clinics and hospitals have been offering online/telehealth doctor consultations services free-of-charge. You can jump straight to that information here.

Health Insurance FAQs

Are telehealth consultations with a GP/family doctor covered? No
Are telehealth consultations with a licensed therapist/psychiatrist covered? No
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? No
Are COVID-19 tests covered? If so, under which benefit? Covered under the wellness benefit – section 14 in your plan’s table of benefits.
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the wellness benefit – section 14 in your plan’s table of benefits.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? No – this is a standard exclusion on the plan.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? No
Are telehealth consultations with a licensed therapist/psychiatrist covered? No
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? For chronic medical conditions – please call AXA for details.
Are COVID-19 tests covered? If so, under which benefit? Covered under the wellness benefit if no symptoms. Covered under out-patient benefit if experiencing symptoms.
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the wellness benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Yes.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? C overed in accordance with your plan’s existing benefits, though any in-patient deductible would be waived. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? Tele-consultations with a doctor are provided by Allianz’s partner – Advanced Medical. Click here for more information.
Are telehealth consultations with a licensed therapist/psychiatrist covered? Also provided by Allianz’s partner – Advanced Medical. Click here for more information.
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? Yes – please click here for more information.
Are COVID-19 tests covered? If so, under which benefit? Only tests prescribed/recommended by a doctor, and not done in a medical facility. Home testing or over-the-counter testing kits are not covered
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the vaccine benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Yes.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? No
Are telehealth consultations with a licensed therapist/psychiatrist covered? No
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? For chronic medical conditions – please click here for more information.
Are COVID-19 tests covered? If so, under which benefit? Covered under the preventive care benefit.
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the preventive care benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Yes.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? Yes – provided fapiao, medical records and bills can be provided when submitting a claim. Covered in accordance with your plan’s existing benefits.
Are telehealth consultations with a licensed therapist/psychiatrist covered? Yes – provided fapiao, medical records and bills can be provided when submitting a claim. Covered in accordance with your plan’s existing benefits.
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? No
Are COVID-19 tests covered? If so, under which benefit? Positive result tests covered under the out-patient benefit. Negative result tests covered under the wellness benefit (Plus and Comprehensive plans only).
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the vaccination benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Yes.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? MSH have launched free online health consultations in partnership with Jiahui Health – please click here for more information.
Are telehealth consultations with a licensed therapist/psychiatrist covered? No
Do members have access to an IEAP (international employee assistance program)? No
Do members have access to a pharmacy delivery program? Yes – please click here for more information.
Are COVID-19 tests covered? If so, under which benefit? If recommended by a doctor, then covered under out-patient benefit. Otherwise covered under the wellness benefit.
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the wellness benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Only medically necessary treatment costs will be covered. Normally, hospitalization will not be required for an asymptomatic case. Any hotel fees resulting from mandatory quarantine are not covered.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Are telehealth consultations with a GP/family doctor covered? Yes
Are telehealth consultations with a licensed therapist/psychiatrist covered? No
Do members have access to an IEAP (international employee assistance program)? Yes – please click here for more information.
Do members have access to a pharmacy delivery program? No
Are COVID-19 tests covered? If so, under which benefit? Covered under the wellness benefit.
Is the COVID-19 vaccine covered? If so, under which benefit? Covered under the wellness benefit.
Is mandatory/government required hospitalization owing to an asymptomatic case of COVID-19 covered? Yes.
What is the current guidance for how symptomatic/positive cases of COVID-19 are covered – both out-patient and in-patient (hospitalization)? Covered in accordance with your plan’s existing benefits. Please refer to your plan’s table of benefits for details of out-patient and in-patient limits.


Online/Telehealth Healthcare

Jiahui Health are offering free 24/7 online health consultations until March 31, 2022 – please click here for more information in English. An introduction to this service is available in Chinese here.

Sino-United Health are offering free video pediatric doctor sessions until March 25, 2022 – please click here for more information. An introduction to this service is available in Chinese here.

Shanghai United Family Hospital are offering free online consultations until March 20, 2022 – please click here for more information. An introduction to this service is available in Chinese here.


One World Cover | Health Insurance Specialists If you are concerned that your current health insurance plan might not be sufficient for your needs at this uncertain time and are interested in us reviewing (free-of-charge, no obligation) your insurance cover to ensure you are fully protected – or can be better protected in the future – please get in touch. We are happy to help. In the meantime, stay healthy.

Co-founder and group business director of One World Cover where he heads a talented and dedicated client services team. He is respected throughout the insurance industry in China for his meticulous attention to detail, thoughtful and caring attitude, and ability to work with clients and insurers to resolve complex insurance and servicing issues.

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