Quick Answer
After seeing a doctor in Shenzhen, you'll have Chinese reports and invoices. I help organize them for insurance claims — formatting, translation coordination, and deadline management. Insurance type affects what you need: direct billing needs less prep, reimbursement claims need full materials.
Step 1: Confirm Your Insurance Type
Direct Billing — The Easy Path
If your insurance is in the hospital's direct billing network, you just swipe your card at checkout. No upfront payment, no post-visit claims. In this case, the bilingual reports the hospital provides are usually sufficient.
Reimbursement — Requires Material Preparation
If your insurance isn't in the direct billing network, you pay first, then submit a claim to your insurer for reimbursement after you return home. This is where my service focuses.
Claims Package: What You Need
Requirements vary by insurer, but typically you'll need the following materials:
| Material | Provider | Note |
|---|---|---|
| Claim Form | Insurance company | Some can be filled online |
| Identity Document | You | Passport / Home Return Permit copy |
| Diagnosis Certificate | Hospital | Must be stamped |
| Discharge Summary / Outpatient Records | Hospital | Full version |
| Examination Reports | Hospital | CT, blood tests, pathology, etc. |
| Original Invoices | Hospital Finance | Originals only — lost invoices cannot be reissued |
| Itemized Cost Breakdown | Hospital Finance | Detailed line-by-line list |
| Bank Account Info | You | For receiving claim payment |
Three Critical Deadlines You Must Know
| Deadline | Description | Source |
|---|---|---|
| Notify Insurer | AIA requires notification within 60 days of diagnosis; Prudential requires within 180 days | Jiemian News |
| Submit Complete Documents | AIA requires complete materials within 6 months after notification | Sohu |
| Keep Original Invoices | Lost invoices usually cannot be reissued by hospitals — secure them immediately | — |
Start organizing materials on the day of discharge. The sooner you notify your insurer, the smoother the claim process.
What I Can Help With
1. Report Organization
| Service | Description |
|---|---|
| Formatting | Organize per insurer requirements (sections: Diagnosis / Surgery / Tests / Costs) |
| Checklist Verification | Cross-check against insurer requirements item by item to ensure nothing is missed |
| Key Item Highlighting | Abnormal values and key findings highlighted in bold |
2. Translation Coordination
| Service | Description |
|---|---|
| Document Translation | Chinese reports translated to English (certified stamp issued by partner translation agency) |
| Terminology Verification | Ensure medical terms are accurately translated to avoid rejection due to terminology errors |
| Format Adaptation | Translation documents formatted to meet insurer requirements |
Hong Kong insurance claims require a certified translation stamp + translation declaration + translator credentials. I handle material preparation and coordinate with our partner translation agency.
3. Deadline Management
| Service | Description |
|---|---|
| Notification Reminder | Remind you to notify your insurer within the required deadline |
| Submission Reminder | Remind you of the deadline for submitting complete materials |
| Material Tracking | Help you confirm which materials have been submitted and which are still missing |
What I Don't Do
- Don't interpret reports — "What does this indicator mean?" is for your doctor to answer
- Don't give treatment advice — I'm not a doctor, and I shouldn't pretend to be
- Don't replace your insurer — final claim decisions are made by the insurance company
- Don't issue certified translations — the certified stamp comes from our partner translation agency; I handle preparation and coordination
My job is to ensure zero information loss between you and your insurer. Organization is the bridge, not a diagnosis.
Common Translation Errors
These are the most frequent mistranslations I've seen in reports I've handled:
| Wrong Translation | Correct Translation | Why It Matters |
|---|---|---|
| "space-occupying lesion" → "tumor" | "space-occupying lesion" | A space-occupying lesion isn't necessarily a tumor — translating it as 'tumor' is misleading |
| "nodule" → "cancer" | "nodule" | The vast majority of nodules are benign |
| "abnormal liver function" → "liver problem" | "abnormal liver function" | Too vague — doctors need specific indicators |
| "follow-up recommended" → "no need to see doctor" | "follow-up recommended" | Completely opposite! Follow-up means regular check-ups are needed |
| "chronic inflammation" → "chronic infection" | "chronic inflammation" | Infection and inflammation are two different concepts |
These errors aren't language issues — they're medical terminology precision problems. One wrong key term in a report can lead to claim rejection.
Pricing
| Service | Price |
|---|---|
| Report Organization + Checklist Verification | ¥400-600 |
| Translation Coordination (incl. agency liaison) | ¥500-800 |
| Full Service (organization + translation + deadline management) | ¥800-1,200 |
Frequently Asked Questions
Arthur's report organization and insurance claims service is an information organization and coordination service, and does not constitute medical diagnosis, treatment advice, or insurance claim guarantees. All medical decisions should be based on your attending physician's guidance, and claim results are subject to insurer review.