GBA Cross-Border Medical Insurance: Comprehensive Analysis Report (2026 Edition)
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In the context of integrated development in the Guangdong-Hong Kong-Macao Greater Bay Area (GBA), the cross-border medical insurance market is experiencing rapid growth. With the removal of policy barriers and increased population mobility within the region, the market is shifting from traditional protection toward an integrated “insurance + medical services” model.
Market Overview and Policy Environment
Market Overview
The GBA has a permanent resident population of over 86 million and generated a GDP exceeding RMB 14 trillion in 2025, creating enormous potential for cross-border medical insurance. Leading Hong Kong insurers (Prudential, AXA, AIA, etc.) are actively expanding their medical networks in the mainland and launching multiple products that support “cross-border direct billing.” Regulatory bodies have simultaneously introduced several “GBA-exclusive” critical illness and cross-border medical insurance products, with designs focused on meeting medical needs across both regions — for example, allowing Hong Kong residents to directly claim expenses at mainland tertiary hospitals or Hong Kong-funded institutions such as The University of Hong Kong-Shenzhen Hospital.
Market services are accelerating toward “medical-financial technology” integration.
Through technologies such as Hong Kong’s “eHealth” electronic health record interoperability and intelligent claims systems, cross-border medical payment and reimbursement processes have been significantly optimized, bringing the patient experience closer to the seamless direct billing model of mainland commercial health insurance.
Demand Drivers
Cross-border Population Mobility and Elderly Care Needs The proportion of Hong Kong citizens who have sought medical treatment in the mainland has reached 60% in recent years — more than 10 times higher than 15 years ago. As the “high-asset, low-liability” Gen X generation enters retirement, demand for high-quality medical and elderly care, cross-border referral processes, and insurance is becoming increasingly urgent.
Freedom of Medical Choice and Resource Complementarity Over 90% of GBA residents feel it is difficult to achieve true “freedom of medical choice.” Hong Kong residents value the specialist resources and shorter waiting times at mainland tertiary hospitals, while mainland residents favor Hong Kong’s international medical standards and access to new drugs. The two regions’ resources form clear complementarity.
Policy Dividends and Mechanism Alignment The Hong Kong government and mainland GBA cities continue to promote medical record interoperability, healthcare talent exchange, and optimization of the “Cross-boundary Wealth Management Connect” scheme. The Insurance Authority and other regulators strongly support the establishment of insurance back-office centers, providing clear policy backing for insurers to develop cross-border products.
Technology-Driven Convenience Applications such as automated claims and direct billing have dramatically reduced the complexity of cross-border medical payments, particularly appealing to younger generations seeking digital experiences.
2026 Policy Environment (Latest Developments)
National/Guangdong Level
Guangdong Guidelines on Supporting High-Quality Development of the Insurance Industry (January 2026): Accelerates the implementation of “Cross-border Insurance Connect,” encouraging Hong Kong and Macao insurers to invest and develop exclusive health/annuity products for Hong Kong and Macao residents.
Shenzhen Insurance Industry Action Plan for Supporting Technological Innovation (2026-2028) (February 2026): Supports “underwriting collaboration and service linkage” between Shenzhen and Hong Kong, and smooths insurance claims and international settlement channels.
Qianhai Channel: The first real-time claims case was successfully completed on 8 September 2025 (Southern Medical University Shenzhen Hospital + Hong Kong insurer), reducing claims processing from months to T+0. By January 2026, the channel had expanded to six Qianhai institutions (cumulative settlements exceeding 1,000 cases). However, it has not yet reached full scale and remains in the “from 0 to 1” pilot phase.
Hong Kong Side: The eHealth cross-border health record system has expanded to 6.3 million users. The Elderly Health Care Voucher GBA pilot has been further expanded (including TCM services), and cross-border cash assistance is scheduled to launch officially in mid-2026.
Policy Summary: 2026 is the acceleration year for the “three connections” of data, funds, and hospitals. The relevant platforms have fully aligned with national requirements.
Hong Kong Residents Seeking Medical Treatment in the GBA/Mainland – Key Characteristics and Data
Overall Scale and Growth Trend
2023: Approximately 3,800 cross-border medical claims cases.
2024: Over 4,700 cases (+23% YoY).
2025 first half: Cross-border claims proportion rose from 26.1% to nearly 30%; direct billing cases increased +87% YoY.
Shenzhen provided medical services to Hong Kong residents totaling 640,000 visits in 2023.
The University of Hong Kong-Shenzhen Hospital sees approximately 6,000 daily outpatient visits, of which 21% are Hong Kong citizens (monthly growth of 1-2%).
Long-term residents: Approximately 540,000 Hong Kong residents in Guangdong Province, including 89,000 aged 65 and above (continuing to grow in 2025).
Age Distribution
The main group is middle-aged and elderly (65+):
The GBA Elderly Health Care Voucher pilot (expanded in 2025) is a core driver, with participation growing sevenfold over the past two years.
HKU-Shenzhen Hospital and university studies show the highest proportion of users are aged 45-65 and 65+, driven by chronic diseases, tumors, and elective surgery needs.
The 15-44 age group remains relatively low (mainly for outpatient/check-ups), but has begun to rise in 2025 due to work and retirement needs.
Payment Methods
Traditional model (still accounts for a certain share but declining): Self-payment + post-treatment reimbursement (weeks to months).
2025 mainstream trends:
Commercial insurance direct billing: rapidly rising (+87% cases).
Guangdong basic medical insurance: over 300,000 Hong Kong residents enrolled (highest in Shenzhen), enabling “second-level approval” + direct settlement.
Elderly Health Care Voucher subsidy: up to RMB 30,000 per year for out-of-pocket expenses.
Qianhai real-time claims: first case in September 2025, expanded to over 1,000 cases (T+0 settlement).
Commercial Insurance Coverage Ratio
Commercial insurance accounts for nearly 30% of cross-border claims (Prudential data, first half 2025).
Direct billing penetration is rising rapidly; most mainstream products (Bupa, Blue Cross, Prudential PremierFlex, etc.) now cover GBA tertiary public hospitals.
HKU studies show patient satisfaction with mainland treatment increased from 55% to 73%, with commercial insurance direct billing being a key factor.
Typical product: “Northbound Medical Care” (PICCHong Kong), with annual coverage up to RMB 4 million, covering nearly 10,000 public hospitals.
Major Disease Types
Cardiovascular disease (No. 1 since 2021), tumors, and chronic conditions (dental, check-ups, TCM). Medical costs in the mainland are only 1/3 to 1/5 of those in Hong Kong.
Comparison: Mainland Residents Seeking Medical Treatment in Hong Kong
Scale: Far smaller than Hong Kong residents traveling north; no large-scale official statistics (Hong Kong private hospitals are positioned as premium and costly).
2025 trend: Mainland high-net-worth and middle-class individuals show strong interest in Hong Kong’s high-end medical services; 76% plan to visit Hong Kong, with 40% specifically concerned about medical coverage.
Main types: Obstetrics, tumor surgery, plastic surgery, premium check-ups (Hong Kong private hospitals’ advantage).
Growth: Rebounded after the pandemic, but absolute numbers remain limited (Hong Kong public hospitals primarily serve locals; private hospitals attract mainland visitors).
Payment methods: Almost entirely self-paid or mainland commercial insurance post-reimbursement; direct billing networks are minimal.
Commercial insurance coverage: Mainland insurers’ products (e.g., Ping An, PICC Hong Kong/Macao resident plans) are mostly supplementary, with low penetration (<10% of cross-border claims involve Hong Kong).
2026 Outlook and Summary Comparison
Hong Kong residents traveling north: Large scale (640,000+ visits), elderly-dominated, rapid adoption of commercial insurance direct billing + medical insurance subsidies, clear cost advantage.
Mainland residents traveling to Hong Kong: Small scale, high-end private hospital-dominated, primarily self-paid, low commercial insurance ratio.
Hong Kong residents’ northbound travel is expected to accelerate further in 2026 (driven by the APEC proposal and Qianhai expansion), with direct billing penetration projected to exceed 50%. The GBA cross-border medical market is evolving from “one-way northbound” toward two-way integration, with commercial insurance direct billing and data interoperability as the core drivers.
GBA Cross-Border Medical Insurance Claims and Payment Process
With deepening medical cooperation in the GBA, cross-border direct claims have become a key service for Hong Kong residents receiving treatment in mainland hospitals.
Pre-Authorization Process for Cross-Border Direct Claims
Cross-border direct claims generally require prior pre-authorization (Pre-Authorization) to confirm medical necessity, coverage scope, and limit. In non-emergency cases, the insurer issues a Letter of Guarantee (LOG) to the hospital, which then agrees to direct settlement.
Main Application Process
Submit application: Policyholder must submit the form at least 2-5 working days before admission.
Doctor completion: Attending physician provides diagnosis, treatment plan, and cost estimate.
Insurer review: Assesses compliance with policy terms.
Issuance of guarantee: Upon approval, the LOG is sent directly to the hospital.
Application Deadlines by Insurer
Insurer | Deadline Requirement | Additional Notes |
AIA | At least 2-4 working days before admission (HK/mainland/Taiwan); 7 days overseas | Doctor must complete Part 2 of the form |
Prudential | At least 3 working days before treatment | Supports email or fax submission |
Manulife | At least 5 working days before admission/surgery | Submitted via website or App |
Emergency Admission Handling
In emergencies (accidents or acute illnesses), contact the insurer’s 24-hour hotline immediately. Some insurers (e.g., BOCHK Life) offer immediate direct billing or deposit at designated network hospitals, but post-treatment verification is still required.
Pre-Authorization Form Completion and Timing
The form must be completed jointly by the policyholder and hospital/doctor in two parts:
Policyholder section: Personal information, treatment details, and authorization signature.
Hospital/doctor section: Diagnosis, treatment plan, and cost estimate.
Submitting one week (5-7 working days) in advance is usually feasible, but 10 days is recommended to allow for possible additional documentation. The doctor must sign; the hospital must stamp (official seal or international department seal). Mainland tertiary hospitals’ international departments can handle this in one stop and support electronic upload. If time is insufficient, self-payment followed by standard reimbursement is possible.
Discharge Settlement Mechanism
Once pre-authorization is approved, the policyholder only pays the out-of-pocket portion; the insurer directly settles eligible expenses. Hospitals may require credit card authorization for any balance or a small deposit (refunded at discharge). Confirmation that the LOG has reached the hospital is essential. Out-of-pocket items include deductibles, coinsurance, non-medical expenses, and amounts exceeding limits.
Direct Billing Mode and Mainstream Products
The direct billing model has shifted from traditional advance payment to instant direct billing. The two main pathways are the Qianhai Medical Cross-Border Data Space and TPA-assisted commercial insurance direct billing. In 2025, claims cases exceeded 4,700 (+23% YoY), direct billing penetration reached nearly 30%, and direct billing cases grew +87%. Bupa leads with a 69-hospital GBA network (expanding to 3,600 hospitals nationwide). Cross-border medical insurance accounts for approximately 30% of new business premiums, with total claims projected at HKD 20-25 billion in 2025.
Mainstream Direct Billing Products (Ranked by Network Scale and Adoption)
Insurer / Product | Direct Billing Features | GBA Network Coverage (Latest) | Market Indicators | Target Audience |
Bupa Cross-Border Cashless Network + VHIS Hero | Inpatient/outpatient direct billing, no deposit, doctor pre-assessment + App booking | 10 cities, 69 hospitals (expanding to 3,600 nationwide) | +40万 new clients; leading case growth | High-end / family clients |
Blue Cross GBA Ecosystem | Inpatient direct billing + cancer referral one-stop service | UFH Shenzhen/Guangzhou, etc. (private network) | Significant increase in cases | Mid-to-high-end clients |
Prudential PremierFlex Medical Plan | Inpatient/cancer direct billing | 14,000+ hospitals across mainland China | Direct billing cases +87%; HKD 123 million | High-coverage clients |
AXA GBA Medical Concierge + Green Medical Pass | Cancer/inpatient direct billing + green channel + concierge | HKU-Shenzhen Hospital + cancer networks | Rising corporate group usage | Corporate / mid-to-high-end |
FWD PREMIER THE ONEcierge + GBAssure | Inpatient + day surgery direct billing | GBA private network | New business +74% | Young / middle-class |
CTF Life Direct Billing Service | Public + private hospital direct billing | 23 hospitals in GBA (public + private mix) | First public hospital coverage; silver-hair focus | Silver-hair / retirees |
All products can be applied for via insurer Apps or brokers; some require pairing with VHIS Flexible Plans (tax deduction up to HKD 8,000 per year).
Cross-Border Medical Data Transmission Mechanism
Data is encrypted using national cryptography algorithms and transmitted via the Qianhai channel or a TPA platform, including patient information, expense details, and diagnostic reports. In the current direct billing model, medical data transmission between hospitals and Hong Kong insurance companies has formed a standardized, secure, and highly efficient closed-loop process.
After the patient receives treatment and completes electronic authorization, the hospital’s HIS system automatically collects and standardizes key medical data, including patient basic information, expense details, admission/discharge records, diagnosis results, and examination/test reports. These data are encrypted using financial-grade national cryptography algorithms (SM2/SM3/SM4) and then pushed in real time or near real time to the Hong Kong insurer’s backend through the secure channel of a professional TPA platform or the Qianhai Medical Cross-Border Data Space.
Hospital-Insurer Data and Funds Exchange
The exchange is conducted through a third-party administrator (TPA) to ensure security and efficiency.
Information Exchange: The hospital sends diagnosis, reports, and expense data to the TPA; after review, the TPA forwards them to the insurer.
Funds Flow: The insurer issues the Letter of Guarantee (LOG) and periodically remits funds to the TPA, which then pays the hospital (handling exchange rate conversion).
Document Handling: The hospital sends the original invoices; the policyholder receives copies. This process is available only at designated network hospitals (typically tertiary hospitals with international departments).
Case Studies
Qianhai Mode: The patient authorizes at HKU-Shenzhen Hospital; data is transmitted in real time, with review and payment completed within minutes.
TPA Mode: The patient uploads data at Southern Medical University Shenzhen Hospital; payment is settled on T+1.
Example 1: Qianhai Medical Cross-Border Data Space
Patient: Mr. Rong, a 67-year-old Hong Kong resident. Hospital: The University of Hong Kong-Shenzhen Hospital (among the first batch to access the Shenzhen-Hong Kong cross-border data security channel on 27 January 2026). Insurer: Major Hong Kong insurance company.
Transmission Process
(actual case from January 2026):
After completing a CT scan, Mr. Rong performed facial recognition authorization via the “eHealth” App or hospital terminal (electronic authorization letter generated automatically).
The hospital HIS system automatically collected and packaged the following data:
Patient basic information (name, Hong Kong ID number, policy number, treatment time)
Expense details (examination items, unit price, amount, out-of-pocket ratio)
Examination/test reports (original CT images + doctor’s conclusions)
Admission/diagnosis records (chief complaint, present illness history, diagnosis name)
The data were encrypted with SM4 national cryptography + blockchain trusted verification and transmitted in real time through Qianhai’s “Shenzhen-Hong Kong Cross-Border Data Security Channel” (dedicated line of the national new internet exchange center).
The Hong Kong insurer’s backend received the complete data package within minutes, performed automatic review, and directly paid the hospital.
Result: Mr. Rong was discharged the same day after paying only the out-of-pocket portion. The imaging report was automatically synchronized to his Hong Kong “eHealth” personal file, allowing doctors to access it directly during follow-up visits in Hong Kong without the need to carry physical films.
This was one of the first real cases after the official launch in January 2026 and has already benefited many elderly Hong Kong residents.
Example 2: TPA Platform-Assisted Direct Billing Mode
Patient: Mr. Wen, a Hong Kong resident (real case from the first Qianhai settlement in September 2025). Hospital: Southern Medical University Shenzhen Hospital. Insurer: Hong Kong insurance company.
Transmission Process:
After hospitalization, Mr. Wen clicked the “Commercial Insurance Direct Billing” button in the hospital system before settlement and completed electronic signature authorization.
The hospital system automatically uploaded the following standardized data package:
Patient basic information + expense details (medications, treatments, examination items, amounts)
Expense settlement information (total amount, medical insurance payment, out-of-pocket portion)
Admission/discharge records (admission diagnosis, discharge summary)
Examination/test information (blood tests, imaging reports)
The data were encrypted with financial-grade national cryptography algorithms and pushed to the Hong Kong insurer’s backend via the TPA platform’s secure interface.
After the insurer’s review and approval, the claims payment was transferred to the TPA platform immediately (or T+1); the TPA then completed reconciliation with the hospital.
Result: Traditional claims processing, which used to take months, was compressed to the same day, allowing the patient to leave without any advance payment or extra trips.
Although the Qianhai Medical Cross-Border Data Space is currently the most advanced “real-time cross-border highway,” it is not all-encompassing. It remains in the pilot expansion phase and cannot yet fully replace the TPA platform. The two are complementary rather than substitutive; the vast majority of hospitals and insurers currently adopt a hybrid model of “Qianhai channel + TPA implementation.”
Comparison Table
Dimension | Qianhai Medical Cross-Border Data Space (Example 1) | TPA Platform (Example 2) | Why TPA Is Indispensable? |
Hospital Coverage | Currently limited to a few designated pilot hospitals (e.g., Southern Medical University Shenzhen Hospital, HKU-Shenzhen Hospital) | Deep integration with 17 major public hospitals in Shenzhen and many other tertiary hospitals | Qianhai has not yet covered most hospitals; TPA is currently the only way for Hong Kong policies to achieve direct billing at popular public hospitals such as Shenzhen People’s Hospital, Second People’s Hospital, and Nanshan Hospital. |
Hospital System Integration | Primarily provides a data transmission channel; hospitals must upgrade their own HIS systems | Deeply integrated with hospital HIS systems (automatic pop-up reminders, three-step synchronized settlement, automatic collection of 5 categories of data) | Most public hospitals have not yet completed Qianhai system upgrades; TPA enables immediate launch without large-scale IT investment from hospitals. |
Value-Added Services | Focuses on cross-border data transmission and fund settlement | Provides a complete closed loop: identity verification, intelligent review, anti-fraud, reconciliation system, one-click patient application, claims progress tracking, credit medical payment, etc. | Qianhai does not handle hospital-side business logic or patient experience; TPA is the key to making “direct billing” truly user-friendly and hassle-free. |
Implementation Speed & Maturity | Pilot stage (first case in September 2025; still expanding in 2026) | Stable operation for 9 years with highly mature processes | When insurers want to expand business quickly, TPA is the only solution that can achieve large-scale rollout within 3-6 months. |
Simple Summary
Qianhai = National-level “cross-border data highway” (solves transmission and compliance issues).
TPA = Hospital-side “full-service station” (solves actual implementation, patient experience, and operational issues).
Market Products and Hong Kong Insurer Layout (2026 Current Status)
Hong Kong insurers currently dominate the GBA cross-border medical insurance market. Through cooperation with direct billing networks at GBA hospitals and medical groups, they deliver a true “0-day cashless” experience. Mainland insurers’ cross-border products mainly play a supplementary role (primarily for Hong Kong and Macao residents seeking treatment in the north), with relatively weak direct billing capabilities. The following sections provide a detailed breakdown of the two categories.
Hong Kong Insurer Cross-Border Products
These products are mostly launched in the form of high-end medical plans + GBA Riders, with core selling points being the GBA direct billing network and cross-border data interoperability. Since 2025, insurers have accelerated cooperation with private medical groups (United Family, Fosun, Prosper) and public or integrated Chinese-Western medicine hospitals.
Mainland Cross-Border Products
(Supplementary Role: Exclusive or Supplementary Coverage for Hong Kong and Macao Residents)
Mainland insurers’ products are primarily targeted at “Hong Kong, Macao, and Taiwan residents seeking treatment in the north” or GBA residents. Direct billing capabilities remain weak (mostly post-treatment reimbursement), but they offer affordable premiums and broad coverage of public hospitals.
Hong Kong vs Mainland Products – Summary Comparison
Hong Kong Products Advantages: Best direct billing experience (0-day cashless), high coverage limits (tens of millions of HKD), rich value-added services (concierge, remote consultation). Fastest sales growth (cross-border claims +23%+).
Hong Kong Products Disadvantages: Higher premiums (VHIS standard plans for middle-aged and elderly can reach several thousand to tens of thousands of HKD per year).
Mainland Products Advantages: Low premiums, broad public hospital coverage, strong TCM and chronic disease management.
Mainland Products Disadvantages: Weak direct billing capabilities, lower coverage limits, more traditional experience.
Overall Market Conclusion:
In 2026, Hong Kong insurers’ products are expected to continue occupying over 80% of the market share (especially Bupa, Blue Cross, and Prudential). However, mainland products serve well as “low-cost supplements.” If the platform with 17 Shenzhen public hospitals’ direct billing capability cooperates deeply with Hong Kong insurers, it can fill the gap of “public hospitals + 0-day direct billing” and become the biggest opportunity point in the market.
Cross-Border Medical Insurance Claims Situation (2025-2026 Latest)
According to temporary statistics from the Hong Kong Insurance Authority (IA), PwC, RGA, the EverBright Actuarial Consulting handbook, and official insurer financial reports (latest data as of March 2026), cross-border medical claims in the GBA are experiencing explosive growth, transitioning from “advance payment + post-treatment reimbursement” to “0-day direct billing.” The following are the core quantitative data:
Overall Market Claims Scale and Growth
2023: Approximately 3,800 cross-border medical claims cases (Prudential data); estimated total claims amount HKD 12-15 billion (EverBright estimate, growth of 15-20%).
2024: Cases increased to over 4,700 (+23% YoY, Prudential/PwC data); total claims amount HKD 15-20 billion.
2025: In the first half, the proportion of cross-border claims rose from 26.1% to nearly 30%; full-year total claims amount is projected at HKD 20-25 billion (+10-15%), of which “medical expense direct billing service” cases grew +87% (Prudential official data). The total gross claims for general insurance in Hong Kong (including cross-border) reached HKD 380 billion in the first three quarters of 2025 (IA data). Cross-border medical care has become an important driver for health insurance (contributing approximately 30% of new business growth).
Key Claims Data by Major Insurers
Insurer | 2024-2025 Cross-Border Claims Growth | 2025 H1/Full-Year Key Data | Direct Billing Service Proportion/Amount | Main Claims Types |
Prudential | +23% (2024 cases) | 2025 H1 total claims HKD 35 billion (+6%); cross-border proportion nearly 30% | Direct billing cases +87%, amount HKD 123 million (inpatient HKD 68 million) | Digestive diseases (40% outpatient, 22% inpatient), cancer |
Bupa | Driven by network expansion | APAC revenue USD 12.9 billion (+6%); significant Hong Kong cross-border contribution | Direct billing network of 69 GBA institutions; rapid increase in cross-border cases | Cancer, orthopedics, endoscopy |
Blue Cross | Significant increase after ecosystem launch | 2025 first 9 months general insurance GWP steady; leading cross-border cases | Doctor-led direct billing; substantial case growth | Cancer referral, end-to-end rehabilitation |
AIA | VONB +28% (including cross-border) | Cross-border proportion continuing to rise | Online consultation + direct billing | Outpatient + inpatient |
Qianhai Channel | +60% (2025 settlements) | Over 1,000 cases (6 institutions) | First “seamless real-time claims” case (Southern Medical University Shenzhen Hospital, Sep 2025) | All types of real-time settlement |
Claims Trend Insights
Direct Billing Explosion: Prudential’s medical direct billing cases increased +87% and inpatient direct billing +60% in the first half of 2025. The Qianhai Data Space achieved a shift “from months to real-time” settlement in 2025, solving the advance payment pain point.
Type Distribution: Outpatient/chronic conditions (dental, check-ups, TCM) account for the highest proportion (costs only 1/3 to 1/5 of Hong Kong). Cancer and inpatient care follow (coverage limits up to HKD 70 million).
Cost Effectiveness: Cross-border claims help insurers reduce overall claims pressure (lower mainland costs), but medical inflation of 9.8-9.9% continues to push up total amounts.
2026 Forecast: With Qianhai expansion, claims volume is expected to increase another 15-20%, with total amount potentially reaching HKD 25-30 billion. Direct billing penetration is projected to rise from the current <30% to over 50%.
Conclusion and Cooperation
The GBA cross-border medical insurance market is entering a golden window of policy and demand explosion. In 2026, more designated international hospitals and direct billing pilots will launch, bringing unprecedented scale opportunities.
EverBright Actuarial Consulting & Brokerage, as a leading Hong Kong insurance brokerage and actuarial consultancy, is your trusted strategic partner with strong high-net-worth client networks, professional Rider design and pricing capabilities, and full cross-border compliance expertise.
Choosing EverBright means gaining seamless access to the GBA medical network and achieving efficient direct billing and data flow — allowing you to seize the first-mover advantage in the direct billing market and achieve rapid business growth.
We welcome you to contact us to start cooperation and open a new chapter in GBA cross-border medical insurance together!
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