It is important to get medically insured in China, as living in a foreign country could be presented with underlying risks relating to health. While there are abundant international healthcare options available in the major cities where English speaking doctors are present, they could be relatively expensive to use especially for more extensive medical treatments. Even in local hospitals, the cost for extensive medical care could be significantly high as well. However, you could get rid of the such risks and be covered with a peace of mind for your life in China by having proper insurance coverage.
Currently, the insurance with the largest demands among foreigners in China is health insurance, or medical insurance. It covers the medical expenses at hospitals in China (or worldwide as an option as well), and foreigners including working individuals, as well as dependents of the work visa holders, are eligible to apply for the insurance.
There are a variety of options available: For those looking for comprehensive coverage, an option including both inpatient and outpatient is available, covering both public and private hospitals. Some hospitals are considered as high-cost providers, and would sometimes require an additional premium to cover them, depending on your preference towards those hospitals.
For those on a tight budget, you could choose to apply a co-payment at private hospitals, or choose to cover public hospitals only, where they could still cover the VIP clinics/International departments of those public hospitals where English speaking doctors are available.
The common payment modes for health insurance in China are annual payment modes; however, for those looking for paying in installment, you could choose to pay via quarterly payment modes, where they are offered by multiple international insurance companies in China. Monthly payment modes are very occasionally seen, almost not much available.
What are some of the advantages of getting insurance in China?
The insurance companies in China tends to have a wider network--where you get to have access to direct-billing with more hospitals. This is more apparent with local public and some private hospitals, where they do not work with many overseas insurance companies. Wider direct-billing network means more acceptance of the insurance, which gives access to more healthcare options when in need.
There would be a local insurance broker to help you with your insurance requests, where it eliminates the hassle of having to do everything by yourself. A broker could also deliver useful advices regarding your insurance and medical information relating to your policy.
There are a variety of options availablewhere you will be able to tailor your coverage according to your needs. Whether if you would like to cover different geographic areas, different hospitals, you could choose accordingly and make the best plan for you or your family.
In a nutshell, it makes more sense to get insurance locally--whether if you are working here, or accompanying your family as dependents, you are likely to spend a significant amount of time in China. And when it comes to insurance covering your stay in China, as well as overseas traveling, getting insurance in China could be a better choice.
About the author
Jimmy Sun is an insurance broker from Mingya Insurance Brokers, based in Beijing. Jimmy graduated from university in Singapore and received professional insurance training in Singapore, as well, with experience working as an insurance agent at AIA Singapore. Jimmy became an insurance broker at Mingya Insurance Brokers in 2017, and has received multiple awards relating to the health insurance in the company. He's an expert in his field and is delighted to assist with inquiries related to getting insurance in China.
Could tap and hold the QR code to add Jimmy for insurance inquiries:
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