ZhongAn Xin Yi Bao

by ZhongAn Online P&C Insurance

★★★★☆4.2(11,540 reviews)

ZhongAn Xin Yi Bao is China's leading internet-only health insurance product from ZhongAn, the first online-only insurer in China, founded as a joint venture of Alibaba, Tencent, and Ping An.

Monthly Premium

CNY 150 – CNY 600

Deductible

CNY 10,000

Coverage Type

standard

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Coverage Details

✓Hospitalization

✗Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Very affordable entry-level premiums suitable for young adults
✓Seamless integration with Alipay for purchase and claims
✓High coverage ceiling relative to premium cost

Cons

✗Narrower hospital network than traditional insurers
✗Outpatient coverage only available as an add-on at extra cost
✗Customer service primarily digital with limited phone support

Editorial Review

“ZhongAn's Xin Yi Bao reshaped China's health insurance market by proving that a high-ceiling, low-premium hospital plan could be sold entirely through digital channels.”

— Caixin Global InsurTech Report, 2024