Please enter your username and password here:Forgot Password?
Please enter your details here:or Login
Expats in China should have health insurance when they can afford it. In most cases, an international insurance policy is the most relevant option.
It is advisable to get your insurance arrangements in order prior to entering China.
You should check the geographical coverage of your existing foreign insurance policy, if you have any. If you haven’t been sold this policy as an international insurance cover specifically designed for expats, your policy is unlikely to work in China. In that case, you should let your insurer know that you are moving to China, and switch to an international cover. Your insurer is likely to charge you extra for this, but do bear in mind that the very fact of being insured in several countries carries an extra burden as well.
A good international cover would insure you against:
If you need insurance in China, you can take out a policy from a Chinese provider if you feel confident enough to do so. Otherwise, you should have an international health cover from an insurance provider based in your home country.
Do check if the hospital or clinic you are attending is not excluded by your insurance policy.
If possible, go to a hospital which is happy to apply for payment directly from your insurance provider. This spares you the need to pay upfront and to make a claim for yourself. In any case, you should check this in advance.
Typically, private hospitals with international staff are happy to collect your insurance details without asking you to pay upfront, even if your provider is foreign. This is much less likely if you attend a public hospital with a foreign insurance policy. See Doctors and Hospitals for Expats in China.
Employment in China and health insurance
If you are an employee in China, your employer is required by law to:
Employees are also required to contribute towards health insurance, and contribution rates are set by law. These rates are part of the Chinese social security system and may vary from one location to another.
If you are unhappy with the coverage of your basic compulsory health insurance, you might wish to take out an additional policy in the private sector.
Sections in HEALTHCARE IN CHINA:
We value input from our readers. If you spot an error on this page or have any suggestions, please let us know.
If you are considering moving to China or are soon to depart, you can find helpful information and advice in the Expat Briefing dedicated Chinese section including; details of immigration and visas, Chinese forums, Chinese event listings and service providers in China.
From your safety to shopping, living in China can yield great benefits as well as occasional drawbacks. Find your feet and stay abreast of the latest developments affecting expats in China with relevant news and up-to-date information.
Working in China can be rewarding as well as stressful, if you don't plan ahead and fulfill any legal requirements. Find out about visas and passports, owning and operating a company in China, and general Chinese culture of the labour market.
About | Useful Links | Global Media Partners | Media | Advertising And Sales | Banners And Widgets | Glossary | RSS | Privacy & Cookies | Terms And Conditions | Editorial Policy | Refer To A Friend | Newsletters | Contact | Site Map
Important Notice: Wolters Kluwer TAA Limited has taken reasonable care in sourcing and presenting the information contained on this site, but accepts no responsibility for any financial or other loss or damage that may result from its use. In particular, users of the site are advised to take appropriate professional advice before committing themselves to involvement in offshore jurisdictions, offshore trusts or offshore investments. © Wolters Kluwer TAA Ltd 2017. All rights reserved.
The Expat Briefing brand is owned and operated by Wolters Kluwer TAA Limited.