Ping An E Health

by Ping An Insurance

★★★★☆4.4(18,320 reviews)

Ping An E Health is one of China's most widely used private health insurance products, backed by Ping An Insurance Group — the country's largest insurer by market cap. It combines broad hospital access with a leading digital health ecosystem.

Monthly Premium

CNY 380 – CNY 1,200

Deductible

CNY 5,000

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✗Dental

✓Vision

✗Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Extensive in-network hospital coverage across tier-1 and tier-2 cities
✓Fast claims reimbursement within 72 hours via mobile app
✓Bundled access to Ping An Good Doctor's 10,000+ licensed physicians
✓Competitive premiums for comprehensive coverage in China

Cons

✗Some rural hospitals outside the direct billing network
✗Pre-existing conditions subject to 12-month waiting period
✗International coverage limited to emergency use only

Editorial Review

“Ping An E Health consistently ranks as the top private health plan choice for urban professionals in China, praised for its digital-first claims experience and breadth of hospital partnerships.”

— China Insurance Review, 2024