What MediLink-Global does

MediLink-Global (中间带), founded in 2005 and headquartered in Beijing's Chaoyang District, is a vertically integrated health management platform serving the Chinese mid-to-high-net-worth market. The company operates three interlocking lines of business: distributing a portfolio of high-end individual and family health insurance products, providing third-party administrator (TPA) services to insurance carriers, and operating owned medical clinics under the MediLink Medical brand across Shanghai, Shenzhen, Chengdu, and Beijing. Its core product set includes 14+ named insurance SKUs spanning pediatric (新燕宝2025, 小燕宝), maternity (喜燕宝, 美燕宝), general adult (福燕宝2025, 中间带琥珀), global individual (臻高端2024, 臻荣耀2024), student (欧思脉), and dental (惠种牙) segments, priced from ¥578 to ¥27,900 annually for individuals and ¥3M to ¥10M coverage tiers for corporate plans.

The company's technical core is its proprietary EDC Terminal Network — Electronic Data Capture devices deployed at network hospitals, clinics, dental clinics, pharmacies, and labs — combined with the Electronic Claims Processing System (ECCS) that enables real-time identity verification, benefit confirmation, and direct billing (直付) at the point of service. This infrastructure underpins a medical network spanning 226 countries and over 1,027,608 hospital institutions. MediLink monetizes through three primary streams: (1) recurring individual and family insurance premiums routed through underwriting partners (DuBang, Liberty Mutual, Ping An, Asia Pacific, and dozens of additional domestic and foreign-invested insurers); (2) B2B corporate health management programs sold to enterprise HR departments (with named clients across SOE, A-share listed, and multinational categories); and (3) TPA managed-services fees from insurers and self-insured enterprises for medical network management and claims administration.

Go-to-market combines direct-to-consumer channels (website, mobile app, WeChat ecosystem, customer hotlines 400-114-9606 and 400-880-8820), insurance broker/co-branding distribution, B2B enterprise sales, and the four owned clinics serving as both service delivery and product distribution touchpoints. The company is led by founder and Group CEO Kok Fat Shia, raised approximately $36.9M in Series A from Qiming Venture Partners in March 2021, and maintains operating geographies spanning China, North America, Asia Pacific, and the rest of its global network footprint.

Name

MediLink-Global

Legal name

MediLink-Global 中间带

Website

https://medilink-global.com.cn

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Beijing-headquartered health management platform founded in 2005 that distributes individual and corporate health insurance, delivers third-party administrator services to insurers, and operates owned clinics, anchored by a global medical network spanning 226 countries and 1M+ hospitals.

Ownership category

akta.pro rank

Product category

Health Insurance Administration

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Health Services (8000), Services-Offices & Clinics Of Doctors Of Medicine (8011)

akta.pro primary industry

Medigap Distribution & Brokerage (Captive/Independent/IMO/FMO) (HLAEADAD)

Keywords

• Health insurance administration
• Third-party administrator services
• Corporate health management
• Medical network management
• Health claims processing

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premium Revenue (Individual): MediLink acts as the TPA (Third-Party Administrator) for individually-oriented health insurance products including pediatric plans (新燕宝, 小燕宝), maternity plans (喜燕宝, 美燕宝), individual global plans (福燕宝, 臻高端, 臻荣耀), student overseas plans (欧思脉), and dental plans (惠种牙). Revenue is generated through insurance premiums paid by individual policyholders, with MediLink managing the medical network, claims processing, and health management services on behalf of the underwriting insurance company.
2. Corporate Health Management Solutions: Enterprise employer health benefit solutions sold to corporate clients (B2B). MediLink provides customizable group health insurance administration including plan design, network access, claims management, and health management services. Pricing is based on employee headcount, plan tiers, and coverage levels.
3. Third-Party Management (TPA) Services for Insurance Companies: Fee-based services provided to insurance company partners (including both domestic Chinese and foreign-invested insurers) for medical network management, claims processing, member services, and electronic claims systems. MediLink provides end-to-end TPA services including pre-authorization, case management, and cost containment.
4. Direct Medical Services (Own Clinic Operations): Revenue generated from MediLink's owned and operated medical clinics (中间带医疗·百诺门诊部, 中间带医疗·宜汇门诊部, 中间带医疗·深圳企鹅门诊部, 中间带医疗·成都旗舰店) providing direct medical services to members and general patients, including general practice, specialty consultations, and dental services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

MediLink-Global is a full lifecycle health management service platform that designs, distributes, and administers individual and corporate health insurance products in partnership with underwriting insurers (DuBang, Liberty Mutual, Ping An, Asia Pacific). It acts as a Third-Party Administrator (TPA) managing a global medical network of over 1 million hospitals across 226 countries, processing claims via a proprietary Electronic Data Capture (EDC) terminal network and Electronic Claims Processing System (ECCS), and operates its own chain of medical clinics under the MediLink Medical brand.

Product overview

MediLink-Global is a full lifecycle health management service platform offering a comprehensive portfolio of health insurance products and medical services. The portfolio consists of HMO products (新燕宝2025, 喜燕宝, 小燕宝) for pediatric and maternal coverage, standard products (福燕宝, 喜燕宝全球版, 欧思脉, 美燕宝, 臻合意2024, 臻荣耀, 臻高端2024, 中间带琥珀, 中间带·荃燕宝全科医疗保险) for comprehensive global coverage, specialized products (惠种牙) for dental implants, and enterprise solutions. The platform is supported by a third-party management service platform providing electronic claims processing, direct billing network management, and value-added services including second medical opinion, cross-border healthcare, and emergency rescue. The company operates owned clinics (百诺门诊部, 宜汇门诊部, 深圳企鹅门诊部, 成都旗舰店) and maintains a global network covering over 1 million hospitals across 226 countries and regions.

Differentiator

Problem solved

Functional benefit

Brands

• 新燕宝2025 (Xinyanbao 2025): Children's exclusive high-end medical insurance product
• 喜燕宝 (Xiyanybao)
• 喜燕宝全球版 (Xiyanybao Global)
• 福燕宝 (Fuyanbao)
• 小燕宝 (Xiaoyanbao)
• 臻合意2024 (Zhenheyi 2024)
• 欧思脉 (Ousimai/Osprey)
• 美燕宝 (Meiyanbao)
• 臻荣耀个人全球医疗保险2024 (Zhenrongyao 2024)
• 臻高端2024 (Zhengaoduan 2024)
• 中间带琥珀 (MediLink Amber)
• 惠种牙 (Huizhongya)
• 中间带·荃燕宝全科医疗保险 (MediLink Quanyanbao)
• 福燕宝2025 (Fuyanbao 2025)
• 中间带医疗 (MediLink Medical)
• 中间带救援 (MediLink Assist)

Products and services

• Xinyanbao 2025 (新燕宝2025) Children's exclusive high-end medical insurance that allows children aged 30 days to 17 years to be insured separately without waiting period for outpatient services.
• Xiyanybao (喜燕宝) Pregnancy and maternal health insurance covering pregnant women aged 18-40 with coverage extending to newborns automatically upon birth.
• Xiyanybao Global (喜燕宝全球版) Global version of pregnancy insurance covering pregnant women with coverage from 12-30 weeks gestation up to 60 days after newborn birth.
• Fuyanbao (福燕宝) Comprehensive medical insurance covering all ages from 0-100 years without health declaration requirements.
• Xiaoyanbao (小燕宝) Entry-level pediatric medical insurance for children aged 30 days to 17 years with immediate coverage activation on payment date.
• Zhenheyi 2024 (臻合意2024) Mid-tier health insurance with 8 million annual coverage limit, covering public hospital VIP departments, international departments, and designated private hospitals.
• Ousimai (欧思脉) Global health insurance designed for international students studying abroad, covering ages 12-45 with US university insurance policy matching capabilities.
• Meiyanbao (美燕宝) Premium maternal and infant health insurance covering pregnant women aged 18-40 with coverage extending to 30 days after newborn birth.
• Zhenrongyao 2024 (臻荣耀个人全球医疗保险2024) Global individual health insurance with multiple plan options including star plan that allows expensive hospital selection.
• Zhengaoduan 2024 (臻高端2024) Premium global health insurance covering ages 15 days to 69 years with comprehensive coverage and optional maternity benefits.
• MediLink Amber (中间带琥珀) Premium medical insurance with multiple plan options including Elite and Ultimate plans offering family combination discounts.
• Huizhongya (惠种牙) Dental implant insurance starting from 2,999 yuan covering single tooth implant procedures including implant body and ceramic crown.
• MediLink Quanyanbao (中间带·荃燕宝全科医疗保险) General practice medical insurance offering affordable access to premium private medical consultations at top-tier hospitals starting from 4,999 yuan.
• Fuyanbao 2025 (福燕宝2025) Updated comprehensive medical insurance covering all ages from 0-100 years with no health declaration requirements.
• Corporate Health Management Solutions (企业健康管理方案) Corporate health management solutions offering customizable medical benefit plans for enterprises with four tiers of coverage ranging from 3 million to 10 million annual limits.
• Third-Party Management Services (第三方管理服务) Third-party administrator (TPA) services providing claims processing, electronic medical card network, direct billing, and medical network management for insurance companies and self-insured enterprises.
• MediLink Special Services (特色服务) Value-added services including second medical opinion, cross-border medical services, and emergency rescue services.
• MediLink Medical Bainuo Clinic (中间带医疗·百诺门诊部) Owned clinic providing personalized, high-quality patient-centered medical services with multi-national doctor teams and direct billing network.
• MediLink Medical Yihui Clinic (中间带医疗·宜汇门诊部) Owned clinic in Shanghai providing direct medical services to members and general patients.
• MediLink Medical Shenzhen Clinic (中间带医疗·深圳企鹅门诊部) Owned clinic in Shenzhen providing direct medical services to members and general patients.
• MediLink Medical Chengdu Flagship Clinic (中间带医疗·成都旗舰店) Owned flagship clinic in Chengdu providing direct medical services to members and general patients.

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core.

• 都邦财产保险股份有限公司 (DuBang Property & Casualty Insurance)coreChannel Partner/ Reseller/ DistributorMajor insurance underwriting partner for many MediLink individual health insurance products. DuBang underwrites products including 新燕宝2025, 喜燕宝, 喜燕宝全球版, 福燕宝, 臻合意2024, 欧思脉, 中间带·荃燕宝, and 中间带琥珀. MediLink provides third-party management services (TPA) including medical network management, claims processing, and member services.
• 利宝保险有限公司 (Liberty Mutual Insurance)coreChannel Partner/ Reseller/ DistributorLiberty Mutual underwrites 小燕宝 (pediatric health insurance) for MediLink. MediLink acts as the third-party administrator providing the medical network, claims processing, and customer service infrastructure.
• 中国平安财产保险股份有限公司 (Ping An Property & Casualty Insurance)coreChannel Partner/ Reseller/ DistributorPing An P&C underwrites 臻高端2024 (Zhen Gaoduan 2024 premium individual health plan) for MediLink. This is a flagship product in MediLink's individual portfolio targeting high-net-worth individuals with comprehensive global coverage.
• 亚太财产保险有限公司 (API Property & Casualty Insurance)coreChannel Partner/ Reseller/ DistributorAsia Pacific Insurance (亚太财险) underwrites 惠种牙 (dental implant insurance) for MediLink. MediLink provides dental network management, claims processing, and member services for this specialized dental insurance product.
• 数十家保险公司合作伙伴coreChannel Partner/ Reseller/ DistributorMediLink serves dozens of insurance clients, including both well-known domestic Chinese insurance companies and foreign-invested (wholly foreign-owned) insurance companies operating in China. The company logo section displays multiple insurer partner logos.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MSH International: MSH International (万欣和) is one of the largest China-focused TPAs for international and expatriate health insurance, offering individual and corporate plans with a global hospital network and direct-billing capability. Closest functional analog to MediLink's TPA + distribution + cross-border model.
• Cigna & CMB Life Insurance: Cigna & CMB (招商信诺人寿) is the Sino-foreign JV between Cigna and China Merchants Bank, selling expatriate and high-end domestic health insurance in China with global network access. Directly comparable target customer (HNW/affluent Chinese) and product set (global inpatient/outpatient/maternity).
• AXA Tianping (安盛天平): AXA's P&C JV in China offering high-end individual and group health insurance with direct-billing networks, including premium products targeting affluent Chinese consumers. Comparable product positioning and global network-driven value proposition.
• Bupa Global: Bupa is a leading international health insurer serving expatriates and globally mobile individuals, including in China. Overlapping in global health coverage, mid-to-high-net-worth target segment, and reliance on direct-billing hospital networks.
• Allianz Partners / Allianz Care: Allianz Care provides international private medical insurance globally, including for expatriates in China. Comparable product breadth (individual, family, corporate, cross-border) and shared value proposition anchored on direct-billing networks.
• Now Health International: Now Health International is a Hong Kong-headquartered international PMI provider serving globally mobile individuals, including Chinese customers. Comparable cross-border product architecture and reliance on TPA-style direct-billing infrastructure.
• April International: April International offers expatriate and international private health insurance across Asia, including China. Comparable mid-to-high-end positioning and cross-border coverage proposition.

Broad incumbents

• Ping An Health Insurance: Ping An Health Insurance (平安健康险) is one of China's largest dedicated health insurers, with extensive own network and digital claims capabilities. Overlaps with MediLink on Chinese health-insurance distribution and direct billing, but operates at vastly larger scale and includes critical-illness products beyond MediLink's portfolio.
• ZhongAn Online P&C Insurance: ZhongAn is a major Chinese insurtech that has expanded into health insurance distribution and digital claims. Adjacent in TPA-like infrastructure and digital-first distribution, though more diversified across P&C product lines.
• UnitedHealth Group (Optum): UnitedHealth Group integrates health insurance underwriting with Optum's care delivery, claims, and TPA services. The reference incumbent for the insurance + services + clinic vertically-integrated model MediLink is building in China at much smaller scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MediLink-Global