China Health Insurance Quotes
Compare quotes from trusted health insurers for emergency and general medical care at international hospitals and clinics across China.
China Health Insurance plans are available to both Chinese and foreigners living in China.
Compare quotes from the top health insurers in China.
Keeping yourself safe and looked after as an China expat means having a reliable and solid China health insurance policy.
Whilst health coverage for China expats can be more expensive whilst living overseas than at home, there are ways of minimizing the impact on your pocket.
First of all, it helps to understand the basics of how insurance premiums are calculated and the variables which fit into the equation.
Age is obviously one of the biggest factors. You can’t of course make yourself younger, but you can shop around as different plans and different insurers take this factor into account differently which of course results in different premiums.
With so many packages and options on the market, it’s easy to get bogged down in details and end up being covered for certain things which you may not require – so work out what you really need.
Think about what kind of coverage is essential – you may be offered full coverage which covers things like pregnancy which can add to the overall cost significantly.
Does your health insurance include an medical emergency evacuation plan? No doubt this is something which is great to have. But you may feel that your budget doesn’t stretch so far and that you are confident enough to be treated in local facilities should something serious happen.
So think carefully about the minimum you need for peace of mind, and make a list of these items. Once you’ve done that, you will be better equipped to find a policy which matches your needs and doesn’t stretch your wallet too far.
In terms of geography, most China expat health insurance policies offer worldwide cover, or worldwide excluding the USA. Due to the high cost of the American medical system, premiums for packages which entitle the holder to cover in the United States can cost twice as much. So it’s a no-brainer to buy cover that excludes the US if you never find yourself in the US.
Insurers may also offer even cheaper policies based on China only country coverage, but be careful that you will be covered where you need to be.
Generally speaking, for most expats living in China who are not American expats, worldwide excluding US cover is a popular option, but if you do not plan to be outside of China for any specific length of time, then cover for China alone will bring down price.
Some insurers also offer very customizeable plans which enable you to select co-pays, coinsurance or deductibles which reduce premiums but may require you to pay for more treatment as and when you require it.
When living in China things can go wrong, which is why its important that yourself and your loved ones are insured and covered for healthcare costs if the worst should happen.
You will find world class western managed and staffed medical centres in China, however they do charge a premium, by having out a health insurance plan, you cover yourself for these costs and will be able to receive some of the best medical care in the world.
Complete the form at the top of the page and we will work with our health insurance partners to provide you with a selection of quotations and cover packages to choose from.
We are China health insurance specialists, providing quality and comprehensive major medical plans for individuals, families, the self-employed and small groups at very affordable rates. We have been in the health insurance business for over 25 years serving thousands of expats across Asia. Always putting our clients’ needs first, we provide the finest major medical plans on the market. Let us help you save money today!
International employee health insurance cover.
When employees embark on business travel, they want to know that they are financially protected in the event of an accident. At the same time, employers want to safeguard their valuable human resources by mitigating their travel risks. Business Travel Accident Insurance from Shanghai Living’s partners provides essential coverage and peace of mind.
China Direct billing health insurance.
To make your claims process more convenient, major hospitals and medical centres in Shanghai have established direct billing with numerous international insurance companies. For patients insured by these companies, the hospitals and medical centres will bill the insurance company directly for your visit; patients only need to pay the charges not covered by their insurance policy.
Get China expat health insurance protection for you and your family. The plans are designed to meet the requirements of most situations and budgets. International health insurance cover you can depend on.