Which Chinese hospitals accept international insurance direct billing?
Every hospital in our phone-verified index (July 2026) confirmed it accepts commercial insurance patients. The distinction that matters is how you pay: direct billing — where the hospital settles with your insurer — was specifically confirmed at Shanghai's Ruijin, Renji, and Xinhua hospitals for high-end international policies; elsewhere, expect pay-and-claim, where you pay upfront, collect the fapiao (official invoice) and medical records, and file for reimbursement. Whether direct billing applies depends on your specific insurer's network agreement with that hospital — confirm with both the insurer and the hospital's international department before admission, and get pre-authorization for planned procedures. → China Hospital Fees & Deposits Index.