Health Insurance Services
Insurance Made Simple and Human.
New Frontier Insurance Services seamlessly connects payment and care, allowing patients to focus on treatment and recovery. Through direct billing across our own hospitals and global partner network, we provide clear benefit arrangements and remove the burden of post-treatment claims and unexpected bills.
The Premise
An Integrated Model for a Growing Market.
Commercial health insurance in China remains under-penetrated, but is entering a period of rapid growth. As the middle class continues to expand and expectations for high-quality healthcare rise, the market opportunity keeps growing.
In traditional insurance models, payers, providers, and patients are often constrained by conflicting incentives. We are building an integrated model that deeply connects payment and healthcare delivery, aligns the interests of all three parties, and returns the system to value-based care: helping patients achieve better outcomes at a reasonable cost, supporting sustainable coverage for payers, and enabling providers to build long-term trust with patients.
Corporate Partners
Trusted by Companies Across Sectors.
Employees are a company's most important asset. Providing high-quality, efficient health protection for employees is a strategic decision for long-term development. Today, more than 400 corporate clients work with us to put employee health and management efficiency into practice.
01 · PCP & PCM
A New Care Model. Proactive, Not Reactive.
Traditional health insurance is reactive — the member gets sick, submits a claim, and only then does the system respond. We are reshaping that path.
Every member is paired with a dedicated Personal Care Physician (PCP) and Personal Care Manager (PCM). This core team of GPs and registered nurses acts as a health pacer, accompanying members through different life stages. We move intervention upstream to prevent problems before they happen.
Dedicated N-to-1 team
From the first day of service, each member has a dedicated family doctor and private care manager providing comprehensive professional support.
Continuous, not episodic
Care plans are measured in years, not just single outpatient appointments.
Proactive screening
Preventive and screening milestones are continuously tracked, with proactive reminders sent when action is due.
Insurance Partners
The Insurers We Work With.
We work closely with leading local and international insurers to provide seamless coverage for members across regions, currencies, and life stages.
Local Insurers
China-domiciled insurance companies and reinsurers.
International Insurers
Global insurers covering cross-border members and expatriates.
02 · AI-Powered
AI Where It Matters. Humans Where They Matter More.
In traditional medical insurance, pre-authorisations, claims review, and benefit lookups often consume significant time and energy. Now, these complex processes are handled rapidly by AI: routine claims can be settled within 60 seconds, and AI assistants can instantly resolve more than half of member enquiries, allowing members to focus on care and health.
AI Claims Workflow
100% of claims enter the AI review workflow, with routine claims settled in as little as 60 seconds.
AI Care Copilot
Responds instantly and resolves more than half of member enquiries; escalates only issues that truly require clinical judgment.
AI Risk Control Engine
Manages provider cost levels with precision, identifying over-treatment and claim abuse.
The Footprint
A Platform Built at Scale.
Provider density, member base, and the renewal rate that measures member trust.
Medical Institutions
Cities Covered
Active Members
Corporate Clients
Corporate Renewal Rate
03 · Frictionless Access
Coverage That Travels with the Member.
Members move across regions and hospitals, and their medical coverage moves with them. Direct billing is deeply integrated with our own hospital network and seamlessly connected to global providers, covering 3,100+ providers in China and 32,000+ providers worldwide. Wherever members receive care, they can enjoy a claims-free experience without administrative burden.
3,100+ Providers in Mainland China
Direct billing without claims — no upfront payment and no cumbersome process.
32,000+ providers worldwide
A seamless care experience across five continents and 230 countries and regions.
Comprehensive Coverage Across Public and Private Providers
Members simply choose where to receive care, while the system handles all back-end settlement automatically.
From Our Leadership
Healthcare and insurance should not operate as disconnected systems. The future belongs to integrated managed-care models that deeply combine top-tier healthcare, frontier technology, and human care to create better health outcomes for every patient.
Jason Zheng
Executive Director, New Frontier Group
04 · Product Matrix
One Relationship. Every Stage of Protection.
Health risks shift across life stages — young professionals need basic medical coverage, mid-career employees value critical illness protection, and retirees focus more on long-term health and wealth reserves. A unified underlying platform brings together membership identity, dedicated care teams, and lifelong health records.
Protection Products
Medical insurance (inpatient, outpatient, dental, maternity) and critical illness insurance with lump-sum payouts for serious conditions.
Savings products
Long-term protection designed to compound in value throughout the working years.
Lifecycle planning
From entering the workforce to enjoying retirement, members are supported within one service system as needs evolve.
Redefining Health and Insurance Partnership
Whether you are an individual seeking high-quality medical protection, a corporate administrator working to optimise employee benefits, or a professional insurance broker partner, we look forward to a deeper conversation and creating value together.