How to Cover Your Medical Cost in China |
Health | |||
![]() You are not required to have health insurance in China, but if you don’t want to risk your health and you financial well-being, you should definitely make sure that you are covered for medical treatments in China. Most employers offer a basic health insurance plan, but you can also buy an insurance policy individually. China has no uniform system of private health insurance, so prices can vary widely (from ¥3,000 to as much as ¥30,000 per year), depending on factors such as age and previous medical history, but also on the types of treatments covered by the policy. Adding on extras such as dental and optical cover will normally raise the rates. ![]() For those who aren’t covered through their workplace, we strongly recommend to get a private insurance. Basic coverage will include in-patient care and emergencies. Make sure you understand both the excess and the cost of the insurance plan. A plan with higher excess will only cover larger emergencies, but it will cost less per year for the plan itself. Health insurance covers for foreigners ![]() You might also want to consider a provider that includes the services of SOS international. SOS international operates a 24-hour emergency hotline and maintains relationships with more than 150 hospitals in China, which they have approved for treatment of foreigners and military and commercial airlines to arrange a medical evacuation if you need it. If your insurance policy does not include SOS services, you can also buy a personal SOS membership yourself. Insurance plans do not usually cover cosmetic surgery or alternative medicines, infertility issues, or pre-existing conditions. Also, injuries from extreme sports or activities are not normally covered. When buying a plan, make sure you read the fine print, ask questions, and ensure you understand when and how to pay. Tips ![]() Some recommended insurence companies: China Life Insurance Company Ltd.
![]() New China Insurance Company ![]() Taiping Life Insurance Company ![]() Pasific Insurance Agency ![]() Union Life Insurance Company ![]()
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