Will your insurance pay for treatment in China?

Direct billing means the hospital invoices your insurer instead of you, under a pre-agreed network rate. You pay only any deductible, co-insurance or non-covered items.

Only 17 of the 874 products we researched publish a complete public hospital list for China.

A GOP is a document your insurer sends the hospital confirming it will pay for a specific, pre-authorised treatment. The hospital can then treat you without demanding a deposit.

It is case-by-case, so it takes time. Start the application two to four weeks before your planned travel date rather than the week you fly.

Because "worldwide" describes the covered geographic area, not a hospital network. A plan can cover the whole world and still have no hospital in China it will settle with directly.

In that case the treatment may well be reimbursable — you simply pay first and claim afterwards.

The database is our own research asset, assembled over several years from public documents. We share the complete picture in a personalised report matched to your exact plan, rather than publishing a table our competitors can copy.

We do tell you, free and immediately, whether public evidence exists and what the payment route is likely to be.

No. We are not an insurance broker or adviser, and we do not sell policies. What we publish is research into what insurers have said publicly about China.

Only your insurer can confirm your individual eligibility, and only in writing.

Often, yes. Group and corporate plans are frequently undocumented in public, which is why they do not appear in our research. Send us the insurer, the plan name and your certificate number, and we will research it against the same standards.