In China, the cost of medical care without insurance can far exceed your expectations — an emergency visit can cost over 1,000 RMB, and a surgery can run into tens of thousands.
Why You Need Commercial Health Insurance
Basic医保 coverage for foreigners is limited. Without insurance, you pay 100% out of pocket at public hospitals. Commercial insurance covers outpatient, inpatient, and surgery costs.
Who Can Buy
Foreigners can buy commercial health insurance with a passport if they meet the residency requirement — most products require 6+ months of residence in China.
Types of Insurance
Main categories: inpatient, outpatient, accident, and high-end medical insurance. Also travel insurance (short-term) and group insurance (through employer).
Choosing Coverage
Options: inpatient only, outpatient + inpatient, or including dental, vision, vaccines, etc.. More coverage = higher cost.
Key Points
Focus on four things: coverage scope, exclusions, policy term, and premiums. Health insurance typically has a 30-90 day waiting period.
Claims Process
Report promptly after an incident. Prepare medical invoices, diagnosis certificates, and passport copies. Keep all original receipts; bilingual translations speed up processing.