Home-Patient Service-Insurance Service


Direct billing is a service where patients with valid health insurance cards can receive treatment at partner medical facilities without paying upfront. The insurance company and the hospital will settle the covered costs directly.


Direct billing is a cornerstone of premium health insurance. Through established partnerships between insurers and medical providers, eligible patients receive covered care without upfront payment (excluding any plan deductibles). The insurer then settles the cost directly with the hospital, removing the need for patients to file claims or submit paperwork.


Our service team will assist you in obtaining the necessary Guarantee of Payment from your insurance provider prior to treatment.


For further information, please feel free to contact us:
Email:insurance@hyhospital.com
Hotline:18688273885
  • STEP 01

    Check Your Coverage:

    Confirm the direct billing scope of your insurance plan in advance.


  • STEP 02

    Make an Appointment:

    Make an appointment via the Heyou Health WeChat official account, our 400 hotline, or through your insurance provider.


  • STEP 03

    Outpatient Direct Billing:

    For covered services, simply sign and leave—no payment is needed at the visit.


  • STEP 04

    Prepare Your Documents (First Visit):

    Please bring your photo ID and a valid insurance card (or digital proof).


  • STEP 05

    Inpatient Service:

    For hospitalization, we’ll help secure a pre-authorization guarantee within 2-3 business days—no deposit required.


  • STEP 06

    Settle with Ease:

    We will handle billing directly with your insurance company.


If I have high-end commercial medical insurance, will all of my treatment costs at your hospital be covered by the insurance company?

First, your insurance company must have a direct payment agreement with our hospital. For details, please refer to the list of cooperating insurers below. Second, the medical services you receive must be covered under your insurance policy. Finally, all medical expenses must be medically necessary. If all three conditions are met, the insurance company will cover the costs.

My company purchased the insurance for me. How can I find out what my policy covers?

Our professional staff can assist you. Simply provide your personal identification and insurance card details. We will then contact your insurance company directly to verify your coverage benefits.

My insurance broker told me that pre-authorization is required for certain procedures in advance. What is pre-authorization?

Pre-authorization means that before an insured person receives a specific treatment, the hospital must prepare relevant pre-authorization documents (such as the patient’s insurance card, ID documents, and medical records) and submit them to the insurance company for a preliminary review. Once the review is approved, the insurance company will issue a written approval letter (i.e., a guarantee letter).

Below are common treatments and services that require pre-authorization:

  • Advanced imaging tests such as CT, MRI, and PET scans
  • Hospitalization, including hospital-based childbirth
  • Outpatient surgeries that require anesthesia, as well as electrotherapy, chemotherapy, radiotherapy, and blood or peritoneal dialysis
  • Outpatient therapeutic services, including psychological counseling, rehabilitation therapy, and traditional Chinese medicine (TCM) treatment
  • Purchase or rental of non-disposable durable medical equipment (e.g., insulin pumps and their accessories)
  • Purchase or lease of durable medical equipment (e.g., protective gear, wheelchairs, insulin pumps and their accessories, etc.)
  • Medications or vaccines costing more than RMB 5,000 or 8,000 per dose (subject to the insurance company’s specific requirements)

I have high-end commercial medical insurance. What do I need to bring for my medical visit?

Please bring your photo ID or passport, along with your insurance card, when you come for your appointment.

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