Foreign insurance direct billing in Boao Lecheng

Confirm the treatment separately

Ask the Lecheng hospital for the proposed medicine or device, the treating facility and an itemized estimate. Hainan's rules for urgently needed imported products govern clinical access. Approval or availability does not establish insurance coverage.

Ask the insurer for written terms

Send the estimate through the insurer's approved channel. Ask whether the exact facility and product are covered for the planned dates. Confirm any preauthorization, exclusions, limits and patient share. A policy advertised as worldwide does not establish cashless payment.

Match the guarantee to the bill

Ask the hospital to confirm that it accepts the insurer's guarantee for this case. Compare the named facility, covered items, dates and amount. If no guarantee is accepted, ask what you would pay upfront and which documents are needed for reimbursement. Confirm a revised estimate or extension if the treatment plan changes.

Official sources

• Hainan regulator: Lecheng imported medical products rules
• CPIC: coverage lists for specific insurance products

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