AmCham-China

In keeping with our goal to provide the greatest possible value to our members, the American Chamber of Commerce in China offers a choice of two global medical benefit programs, as well as a Life, AD&D, and Long-term disability program.  Through the AmCham Healthcare Benefits Program, both large and small member companies, as well as individual members, can enjoy clear health benefit advantages.  AmCham, in conjunction with top-tier global insurance providers, is pleased to bring members health and life plans that are both comprehensive and affordable.

The Premier Plan

The AmCham-China Healthcare Benefits Program will continue to offer the Premier Plan, with the following unique set of benefits:

• - Doctor and specialist visits/outpatient care
• - Prevention and check-ups/wellness
• - Terminal illnesses
• - Vision and dental care
• - Prescription medication and medical supplies
• - Hospitalization and major medical/surgical attention
• - Worldwide emergency medical assistance and evacuation
• - Transplants
• - Medical tests, x-rays, MRI, CAT scans, and laboratory tests
• - 24-7-365 Member Service Center with global toll-free hotline
• - Facilities Participating in the AmCham Healthcare Benefits Program
• - No limitation to any Hospitals in China 

The AmCham Value Plan A

An innovative worldwide major medical group plan that has been developed to meet the needs of young professionals who require quality health insurance with modest premiums.  The AmCham Value Plan A offers affordable out-patient and in-hospital care in Beijing, Shanghai, and around the world.  The policy features enhanced benefits from local providers and offers insured benefits from any hospital or clinic of your choice.  This plan offers the following benefits to AmCham member participants:

• - Annual benefit maximum of US$1,000,000
• - US elective care of US$ 100,000
• - Office visits, prescription medication and medical supplies
• - Hospitalization, surgery, major illnesses, and organ transplant
• - Diagnostic lab work and X-rys, MRI, and CT scans
• - Maternity and newborn benefits
• - Worldwide emergency medical and evacuation assistance
• - Flexible dental care with benefit maximum of US$1,200

The AmCham Life and Disability Plans

The Life and Accidental Death and Dismemberment (AD&D) plans offer worldwide protection and will pay designated beneficiaries a lump sum benefit for loss of life due to sickness, accidents, or even suicide.  The life benefit equals three times annual salary up to US $250,000.  The AD&D benefit povides extra protection by paying a lump sum benefit equal to three times annual salary up to US $250,000, for death and dismemberment from accident.  For both Life and AD&D plans, $250,000 is the free cover limit; over US $250,000 may require some medical evidence at the time of enrollment.

The Long-term Disability (LTD) benefit is equal to US $60,000 with medical evidence required by the underwriter at the time of enrollment.  In the event that the insured person becomes totally disabled as a result of illness, bodily injury or debility for which medical evidence must be provided, an income benefit of 60% will become payable after a 13-week waiting period until either recovery, death, or attainment of retirement age.

For more information on the AmCham Life and Disability Plans, you are invited to contact an AmCham Services associate at medicalbenefit@amchamchina.org

Program Administration

AmCham acts as a portal for the plans for AmCham Members.  As the authorized insurance broker, Shanghai Mercer Insurance Brokers Co. Ltd. (Mercer IB) is obligated to help members complete enrollments, explain the plan details, and administer the benefits.  MERCER provides secretarial and signatory services.

AmCham-China's role

• - Acts as a portal and creates value for members
• - Offer a consistent, long-term benefits package
• - Members gain a managed process for enrollment and benefit administration
• - Chamber membership means easy enrollment and a stable benefit plan
• - The plans are open to all AmCham members of all nationalities, residing in China 

AmCham is pleased to be your source of options from which you can derive a perfectly tailored benefit package.  AmCham membership is your key to these benefits.  Memberships and enrollments can be processed anytime via e-mail, telephone and facsimile. Enrollment is fairly simple, and typically, no medical exam is required.   To request your application, or to request more information on any of the AmCham plans, simply contact AmCham at medicalbenefit@amchamchina.org.  Please note that coverage can only be effective once underwriters have approved and confirmed.