How International Direct Billing Works in Chinese Hospitals

Direct billing allows an insured patient to be treated without paying the full cost upfront: the hospital invoices the insurer or its network and the patient settles only non-covered items. Hospitals must be contracted with the network, and the treatment usually requires pre-authorisation with a guaranteed amount. Patients should obtain written confirmation before admission, because a hospital may appear on a network list while a specific product or ward is excluded.