verified_user100% No Hidden Mark-ups on Drugs or ConsumablesDirect Billing with Top-Tier Chinese Public HospitalsshieldTakaful / Commercial Insurance Cross-Border Settlement
No More Cross-Border Information Asymmetry,
Every Cent of Life-Saving Money Is Spent Where It Matters.
YILV CHINA strictly upholds a neutral coordination principle. All medical treatment fees are paid directly to the designated national Grade 3 Class A public hospital in China, and the invoice, electronically supervised by the Ministry of Finance, is issued directly to the patient. Referral services are priced at fixed, publicly listed rates throughout the entire process, eliminating cross-border practices such as middlemen skimming margins or high commissions influencing prescriptions.
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0% Mark-up on Drugs and DevicesDrugs and medical consumables are charged at the published standard prices set by China's medical insurance pricing authority.
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Medical Fees Paid in Full Direct to Grade 3A HospitalsPatients pay the hospital's corporate account directly by dual-currency card or wire transfer; the platform retains no funds at any point.
$300
Fixed USD 300 (record restructuring, specialist review & hospital coordination)Approx. RM 1,400 fixed fee. Covers record restructuring, written specialist review and submission/hospital coordination; the service ends once hospital coordination and appointment registration are complete. Full refund if not accepted for treatment.
Three-Stream Segregated Fund Sandbox
ISO 27001 / PDPA Compliantdomain
100% Direct to HospitalStream 1: Medical Fees (Paid Direct to Public Grade 3A)Surgery / Targeted CAR-T / Proton Radiotherapy / ICU
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Pay as NeededStream 2: Living and Travel (Reimbursed at Actual Cost)Kuala Lumpur Return Flights / Carer Accommodation / Halal Dining
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Fixed USD 300Stream 3: Referral and Coordination Services (Fixed Public Rates)Record restructuring & translation / Hospital coordination / Written specialist review
Self-Pay Comparison for Similar Critical Illnesses in China, Malaysia and Singapore
Save 45% - 72%
Novel Therapies Reach the Clinic 18-36 Months Soonercheck_circleGoverned by both Malaysia's medical travel consumer right-to-information rules and the Malaysia-China commercial arbitration framework.
Financial Firewall Principle
"Fully Segregated Three-Stream Funds": An In-Depth Look at the Transparency Rule
No opaque bundled pricing. YILV CHINA breaks every cross-border medical expense down into three separate accounts and three types of verifiable evidence: public hospital receipts bearing the official seal, travel and accommodation billed at actual cost, and referral services at clearly listed prices. Every step supports corporate account verification and Takaful direct-billing audits.
STREAM 01assured_workloadDirect to Public Institutions
Medical Treatment and Drug Costs
Paid direct to the official corporate finance account of a Chinese Grade 3 Class A public hospitalcheck_circlePayment method: The patient personally pays by dual-currency credit card (Visa/MasterCard/UnionPay) or by direct cross-border wire transfer to the hospital sub-account tied to the patient's dedicated visit ID.
check_circleInvoice and receipt: A formal machine-printed invoice for a public medical institution, supervised by the Ministry of Finance of the People's Republic of China, with an invoice code verifiable nationwide.
check_circleNeutrality red line: The YILV CHINA platform never handles a single cent of the patient's medical funds, holds no pooled cash, and eliminates any risk of absconding or misappropriation.
Fund segregation levelsecurity100% Physically Segregated Accounts
STREAM 02Optional, Never Bundled
Living, Travel and Companion Expenses
Booked only on genuine demand; flights and carer accommodation reimbursed at actual costcheck_circleInternational flights: Direct flights from Kuala Lumpur to Guangzhou, Shanghai or Beijing. Patients may book independently or through the platform, at prices identical to the airline's official website.
check_circleAccommodation near the hospital: A list of family-style carer apartments in several price tiers within a 5-10 minute walk of Grade 3 Class A hospitals, with facilities for cooking halal meals. Rent is paid at the listed price directly to the landlord.
check_circleDining and halal assurance: A guide map to Halal Certified restaurants near the hospital plus grocery delivery, to suit every budget.
Mark-up rate0% Bundling or Mark-up
STREAM 03receipt_longPublic Fixed Agreement
Cross-Border Professional Referral Fee
Fixed publicly listed charges; record restructuring, hospital coordination and specialist reviewcheck_circleRecord restructuring & specialist review (fixed USD 300): Professional translation and clinical restructuring of Malaysian English records along with pathology/imaging material, submission and coordination with the right department and specialist team at a Chinese Grade 3A hospital including appointment and record registration, and a written review opinion from a chief physician team.
check_circleClear service endpoint: Once hospital coordination and appointment/record registration are complete, the platform service ends. Subsequent treatment, admission and in-hospital communication in China are handled by the receiving hospital team, and the platform charges no further fees.
check_circleNot included: Companionship inside the hospital, airport transfers and ground handling, travel, accommodation, visa and health check-up costs, and all medical fees charged by the hospital (paid by the patient directly to the hospital, with no collection or mark-up by the platform).
Not accepted for treatment guarantee100% Full Refund of the Specialist Fee
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Service & fee boundaries
One table: what is free, what USD 300 covers, and what it does notUSD 300approx. RM 1,400 · fixed fee (not "from")
FreeIntake & initial screeningvolunteer_activism
- Receipt and completeness check of submitted materials
- No specialist opinion issued; not an admission decision
- No fee and no obligation of any kind
USD 300Included (fixed fee)task_alt
- Medical record collection, English-Chinese medical translation and clinical restructuring (including pathology and imaging material)
- Submission and hospital coordination in China: routing to the right department and specialist team, appointment and record registration
- Written specialist review opinion (admission feasibility and treatment pathway guidance)
- Full refund under the stated terms if the case offers no treatment value or no clinical benefit
Not includedNot included (charged separately or paid to the hospital)block
- Companionship inside the hospital, airport transfers and ground handling
- Travel, accommodation, visa and health check-up costs
- All medical fees charged by the hospital (paid by the patient directly to the hospital)
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End of service：Once hospital coordination, appointment and record registration are complete, the platform service ends. Subsequent treatment, admission, tests and in-hospital communication in China are handled by the receiving hospital team, and the platform charges no further fees.
Authoritative Comparison Data
Reference Cost Ranges for Critical Illness Treatment in China: China, Malaysia and Singapore Compared
Estimated from China's 2024 standard inpatient charging guidance prices at national Grade 3 Class A public hospitals, and the published median statistics of major private specialist centres in Kuala Lumpur (Gleneagles / Sunway) and private specialist centres in Singapore (Mount Elizabeth).
Currency:
| Condition and Advanced Treatment | Official China Grade 3A Public Range | Malaysia Private Specialist Range | Singapore Private Healthcare Range | Self-Pay Savings in China |
|---|---|---|---|---|
CAR-T Cell ImmunotherapyRelapsed or refractory diffuse large B-cell lymphoma, leukaemia, multiple myeloma | ¥ 990,000 - ¥ 1,200,000Approx. RM 643,500 - RM 780,000Includes cell infusion, pre-conditioning chemotherapy and ICU observation | RM 1,500,000 - RM 1,900,000Requires special import approval; waiting period about 6-10 weeks | SGD 550,000 - SGD 700,000Approx. RM 1,925,000+ | Save 58% - 65% |
Proton and Heavy Ion Radiotherapy (PT/HIRT)Skull base chordoma, locally recurrent nasopharyngeal carcinoma, paediatric central nervous system tumours, advanced liver cancer | ¥ 278,000 - ¥ 310,000Approx. RM 180,700 - RM 201,500All-inclusive price for one course of treatment (about 20-35 sessions) | No commercial proton or heavy ion facility availableMost Malaysian patients are referred overseas as self-paying patients | SGD 90,000 - SGD 130,000Approx. RM 315,000 - RM 455,000 | 48% - 56% Less Than Singapore |
Complex Neurosurgery and Minimally Invasive Brainstem/Skull Base Tumour SurgeryTiantan/Huashan-grade intraoperative MRI (iMRI) plus neuronavigated craniotomy | ¥ 120,000 - ¥ 180,000Approx. RM 78,000 - RM 117,000Includes preoperative functional mapping, intraoperative electrophysiological monitoring and 3 days of standard ICU care | RM 160,000 - RM 250,000Advanced consumables such as artificial dura and titanium cranial mesh are charged separately | SGD 75,000 - SGD 110,000Approx. RM 262,500 - RM 385,000 | Save 52% - 70% |
Da Vinci Xi Robotic Complex Organ ResectionPancreaticoduodenectomy (Whipple), radical prostatectomy, sphincter-preserving surgery for low rectal cancer | ¥ 90,000 - ¥ 140,000Approx. RM 58,500 - RM 91,000Includes robotic arm start-up consumables, hospital stay and perioperative care | RM 120,000 - RM 190,000Only a few leading private hospitals in Kuala Lumpur and Penang have the system | SGD 60,000 - SGD 90,000Approx. RM 210,000 - RM 315,000 | Save 51% - 71% |
Allogeneic Haematopoietic Stem Cell Transplant (BMT)Leukaemia and severe aplastic anaemia (Beijing haploidentical transplantation protocol) | ¥ 350,000 - ¥ 550,000Approx. RM 227,500 - RM 357,500Includes admission to a Class 100 laminar flow unit, donor mobilisation and graft-versus-host disease management | RM 450,000 - RM 700,000Waiting for a fully matched donor from the bone marrow registry usually takes months | SGD 180,000 - SGD 260,000Approx. RM 630,000 - RM 910,000 | Save 49% - 61% |
infoNote: The China Grade 3 Class A figures above are average all-self-pay settlement prices for the international medical department or premium service department under the standards of China's National Healthcare Security Administration. They exclude exceptional, prolonged ICU stays caused by individual comorbidities.
Download the Full Condition-by-Condition Comparison White Paper (PDF) arrow_forwardTransparent Financial Billing
Full Treatment Budget Estimate and Official Invoice Documentation
Before travelling to China, you will receive a "Personalised Single-Condition Budget Approval Statement" bearing the YILV CHINA Malaysia-China cross-border specialist collaboration seal. On discharge, you will receive formal medical fee vouchers administered by China's national tax and finance authorities, meeting the standards for Malaysian insurance claims and overseas income tax deductions.
Sample Estimate Sheet (Issued Before Departure)
EST-2024-KL-882Pre-Travel Cross-Border Treatment Cost Estimate
Patient code / Diagnosis:MY-TAN-901 / Glioblastoma (GBM)
Proposed Grade 3A Referral:Huashan Hospital, Fudan University (National Medical Centre for Neurological Disorders)
Estimated Length of Stay:14 - 18 calendar days (including preoperative workup and postoperative monitoring)
1. Advanced Preoperative Imaging (contrast MRI/PET-CT/EEG monitoring)¥ 8,500 (~RM 5,525)
2. Neuronavigated Minimally Invasive Craniotomy + Intraoperative Electrophysiology¥ 58,000 (~RM 37,700)
3. Special Medical Consumables (artificial dura/titanium mesh/haemostatic gauze)¥ 32,000 (~RM 20,800)
4. Intensive Care Unit (48 hours of advanced monitoring)¥ 14,000 (~RM 9,100)
5. Standard International Premium Single Room and Basic Nursing Care¥ 12,000 (~RM 7,800)
Estimated Total Payable Direct to a China Grade 3A Public Hospital:¥ 124,500 (~RM 80,925)
verifiedThis estimate is based on the median of the past 120 comparable Malaysian cases; actual expenditure typically deviates by no more than ±8%.
Statutory National Settlement Voucher (Issued on Discharge)
Nationwide Anti-CounterfeitChina Public Hospital Machine-Printed Electronic Outpatient/Inpatient Receipt
Ministry of Finance e-Receipt Code: 31060124Verification Code: 8b7e21a9c402
Outpatient / Inpatient Medical Fee Receipt
(Nationwide Unified Medical Fee Electronic Receipt Supervision Seal)
Payer name:LIM CHENG *** (passport number)
Institution type:National Grade 3 Class A Public General Hospital
Insurance type:International self-pay patient (Cross-border)
Transaction reference:ZY202410290881
Total Fiscal Receipt Amount (in words):¥ 121,480.00
Claim support for Malaysian insurers (Takaful / AIA / Great Eastern):
done_allBilingual Chinese-English discharge summary (Discharge Note)
done_allItemised list of medical consumables (Itemized Bill)
done_allHandwritten signature of the operating surgeon and the hospital medical records office seal
done_allSupports retrieval and verification of original documents for cross-border insurer claim investigations
Financial and Payment Transparency Questions
Frequently Asked Financial Questions About Treatment in China (FAQ)
Removing concerns about cross-border transfers, so every payment is documented, lawful and compliant.
Free Cost Estimate · Direct Specialist Reply Within 24 Hours✓ Strictly Complies with Malaysia-China PDPA Personal Medical Data Privacy Laws
Get Your Personalised
Budget List for Treatment at a Chinese Grade 3A Public Hospital
Share your current diagnosis and a summary of your latest pathology report, and within 24 hours the YILV CHINA cross-border coordination team will check national public pricing databases and prepare a transparent estimate covering surgery, hospital stay, advanced new therapies and travel.
verifiedDirect routing to China's official leading specialist teams
payments100% full refund of the specialist fee if not accepted
translateEnglish medical records rewritten by professional physicians
mosqueHalal-friendly dining and prayer support