Insurance-KUNMING TONGREN HOSPITAL

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Insurance Services

Partner Insurance Institutions

Insurance Services

Information for Patients with International Medical Insurance
We maintain direct billing partnerships with numerous top global insurance providers. Please complete the steps below to ensure seamless insurance settlement during your visit.

Step 1: Insurance Verification & Pre-Authorization
Submit Insurance Documentation
When scheduling your appointment, kindly notify our International Patient Service Center of your international medical insurance coverage. Please submit a copy of your insurance card, which must include your policy number, group ID, and insurer contact details.
Insurance Coverage Check
Our dedicated insurance coordinator will liaise with your insurance provider to confirm your benefit scope, coverage limits, and whether your planned medical services qualify for reimbursement.
Secure Pre-Authorization
Most insurers mandate pre-authorization for major treatments and surgical procedures. Our team will coordinate with your attending physician to compile all required medical records and application paperwork, then submit the full request to your insurer for formal approval.
Claims submitted without valid pre-authorization are subject to denial. Please complete this process well in advance of your treatment date.

Step 2: Confirm Coverage & Receive Treatment
Obtain Guarantee of Payment (GOP)
Treatment arrangements can only be finalized once we receive a formal Guarantee of Payment (GOP) from your insurer. This document confirms the insurer will settle eligible medical fees directly with our hospital.
Settle Out-of-Pocket Charges Upfront
Please note that certain costs may not be covered under your policy, including deductibles, co-payments, percentage-based patient contributions, and excess fees. All such personal out-of-pocket balances must be paid prior to receiving care.
Undisturbed Treatment
Once all financial arrangements are finalized, you may proceed with your treatment without additional payment concerns.

Step 3: Direct Billing & Final Settlement
After your treatment concludes, our finance department will submit full medical bills directly to your insurer for reimbursement.
We will supply complete medical documentation and itemized charge breakdowns for the insurer’s review.
You will receive a final settlement statement clearly separating the amount covered by insurance and the personal portion you have already paid.