China Expat Health Insurance 🇨🇳
We help expats living and working in China find flexible and affordable health insurance plans that are accepted at international hospitals in China.
Health Insurance for Expats Living in China
China has made huge advances in the level of healthcare available and now has world-class medical facilities, which are driving healthcare innovation in many areas. However, access to international standard healthcare can be both costly and in high demand.
China’s large population can make accessing the best healthcare very competitive and unaffordable for those without health insurance.
The number of private hospitals in China has grown exponentially over recent years, these private hospitals allow for a far more patient service-oriented approach, but there’s a high cost associated with that service. Private hospitals in China generally cater for Chinese citizens or expats with private health insurance and occasionally wealthy medical tourists.
China’s private maternity hospitals and clinics are known to be some of the most expensive in the world, thankfully, a number of medical insurance plans do provide coverage for planned pregnancies, covering the cost of delivery and insuring the baby from birth. Maternity insurance plans generally have waiting periods of 12 to 24 months before the insurer will agree to provide coverage.
In the event of a medical emergency in China, those without proof of insurance are likely to be asked to make a large deposit before the patient is admitted to the hospital and treated. Many of the insurers we work with provide proof of insurance cards to be carried in your wallet which give you access to direct billing and treatment without any delay.
Getting access to the best levels of medical care in China can be a competitive task for expats. The best doctors and medical facilities in China are in high-demand from local Chinese patients and foreign expats can sometimes get left behind or sent to the back of the waiting list, especially those without a backing of a experienced health insurance provider.
Having a comprehensive health insurance coverage that works in China can help overcome some of the barriers to access the best healthcare in China.
Depending on your requirements, we can provide health insurance plans with coverage in China only, Greater China (inc Hong Kong & Taiwan), Asia, Global or Global (exc U.S.).
