Is there any international health insurance that pays first in most countries?

Upvote:2

GeoBlue Travel Insurance. I have nothing to do with them except as a satisfied customer. They have "network" hospitals/clinics all over the world. At least in a large city such as Beijing, I found several in-network clinics and hospitals with English speaking clinicians. Once at the clinic, I called GeoBlue and requested a pre-authorization for payment. They then emailed a claim form to the clinic for my signature, the clinic emailed the form back. Then within fifteen minutes or so, GeoBlue emailed the clinic a payment authorization to a certain dollar limit based on my claim info. I received services and the clinic was paid $800 directly by GeoBlue. The clinic submitted the receipts and injury result justifying treatment directly to GeoBlue. No followup paperwork for me. I am American and this policy only applies out of country. Don't know if they have citizenship restrictions for the prospective subscriber..

Upvote:4

Chinese company Ping An insurance has direct billing globally if you have their most expensive service, note however that it can only be bought by companies and requires a minimum of 6 policies to be bought.

I have personally used it for over 10 years in a multitude of countries and never paid anything, simply showed my insurance card and lately virtual card from their app and everything has been handled for me.

I have used it for both emergency care and scheduled appointments.

I am a swedish passport holder with a china permanent residency, I am unsure if the china permanent residency is a requirement to buy the insurance though.

NOTE: I am in no way affiliated with Ping An insurance I am simply speaking from my personal experience as their customer.

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