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Insurance and Payment

Shanghai DeltaWest has direct billing with the following insurance providers: 

[button color=”#ffffff” background=”#00adeb” size=”large” src=”http://www.deltawestclinic.com/wp-content/uploads/2013/02/direct-billing.jpg”]Direct Billing List[/button]

Aetna International Aetna International 

 

Allianz Worldwide Care Allianz Worldwide Care

 

American International Group, Inc. (AIG) American International Group, Inc. (AIG)

 

BlueCross BlueShield Association Blue Cross Blue Shield Association (only policy number starting with the R prefix)

 

Bupa Bupa Consulting (Beijing) Co., Ltd.

 

Cigna International Cigna International

 

Cigna & CMC Cigna & CMC

 

 eaj--Emergency Assistance Japan

 

Global Benefits Group Global Benefits Group 

 

GMC GMC (Members must bring in their direct billing settlement card)

 

HTH Worldwide HTH Worldwide (Direct Billing based on GOP only)

 

Huatai Insurance Agency & Consultant Service Ltd.Huatai Insurance Agency & Consultant Service Ltd.

 

ICBC - AXA LIFE

  ICBC – AXA LIFE

 

IMG International Medical Group IMG International Medical Group

 

LAMP Insurance Company Limited LAMP Insurance Company Limited

 

Medilink Global

  Medilink Global

 

MetLife Expatriate Benefits MetLife Expatriate Benefits

 

MSH China MSH China

 

Now Health International Now Health International 

 

Ping An Insurance (Group) Company of China., LTD. Ping An Insurance (Group) Company of China, Ltd,

 

Prestige International Prestige International

 

Shanghai Cseth Insurance Services Co., Ltd. Shanghai Cseth Insurance Services Co., Ltd.

 

SSC Shanghai SSC  

 

Sunshine Insurance Group Sunshine Insurance Group

 

UHC_InternationalLogoUnitedHealthcare International (UHCI) 

 

Vanbreda International Vanbreda International

 

Guarantee Letter Only 

allianz-logo Allianz Global Assistance

 

ASSIST-CARD®  ASSIST-CARD® 

 

ASSISTANCE ONLINE  ASSISTANCE ONLINE 

 

AXA Assistance (Beijing) Co., LtdAXA Assistance (Beijing) Co., Ltd.

 

erv ERV (China) Travel Service and Consulting Ltd.

 

Essential Healthcare Essential Healthcare

 

Europ Assistance Europ Assistance

 

 GeoBlue LogoGeo Blue

 

International SOS

  International SOS

 

mapfre Mapfre Asistencia.

 

Seven Corners Seven Corners

 

SOS International China Ltd SOS International China Ltd

 

Payment

Shanghai DeltaWest Clinic (SDC) provides convenient payment methods for you, including cash, bank card, credit card and direct billing.

What is Direct Billing?

Direct billing is an efficient means whereby insurance companies will bill you, the patient, at a later date. You do not need to pay for your treatment the day of your clinic visit.

Medical Insurance

Shanghai DeltaWest Clinic has signed various direct billing arrangements with various international and domestic insurance companies. As part of our service in addition to our clinical consultation, we will help answer any questions you may have concerning your payment options. Our goal is to make your entire experience as convenient and pleasant as possible.

Limits on Medical Insurance Coverage

Usually, not all medical treatment elements are covered by your insurance policy or can be reimbursed through our Direct Billing service. You may be required to pay for part of your medical treatment that is not within the coverage of your insurance policy. The uncovered portion varies by different policies and insurance companies. To help you know more about these, please familiarize yourself with these concepts and terms:

Deductible:

In an insurance policy, the deductible is the amount of expenses that must be paid out of your own pocket before the insurer begins to cover any expenses. It is normally quoted as a fixed amount and is a form of additional charge to the policy holder. The amount of a deductible will vary from one policy to the next so be certain that you know about that before you select a health insurance policy. Usually, low insurance premium (policy cost) is associated with high deductable – additional costs you absorb – before policy benefits apply.

Copayment:

The copayment or copay is a payment defined in the insurance policy and paid by the insured person each time a medical service is accessed. It is technically a form of coinsurance, but is defined differently in health insurance where a coinsurance is a percentage payment after the deductible up to a certain limit. It must be paid before any policy benefit is payable by an insurance company.

Exclusion:

Exclusion is a provision within an insurance policy that eliminates coverage for certain acts, properties, types of damage or locations.

*Our administrative and patient services professionals will be pleased to discuss with you and review any and all concerns you may have during your visit to SDC. 


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