Expat Medical Plans in China
If health insurance in China had to be summed up in one word, that word would be “inconsistent.” The standard of care is exceptional in major cities such as Hong Kong, Beijing, and Shanghai. In fact, some of the world’s top medical research is taking place there.
In addition to the wide selection of hospitals and clinics, the superbly trained specialists, and the multilingual staff, ensure that the care expats in China receive is second to none. But that can be a very different story in rural areas.
As expats in China often report, health services and medical coverage plans are usually extremely limited in remote areas of the country. To receive the best coverage in elite private hospitals, a high-quality health insurance plan is strongly recommended.
Find the Best International Medical Insurance
- Compare multiple quotes from top insurers
- Get expert advice at no additional cost
- Find the right plan for your needs and budget
Best Medical Insurance Plans for Foreigners in China
If you are moving abroad, keep in mind that there are several options for expat health insurance in China. While living in China, expatriates and foreigners can purchase worldwide coverage, including or excluding the USA. These plans provide coverage of up to $5,000,000, including hospitalization and outpatient care, prescription medication, mental health services, and coverage for pre-existing conditions.
Best Expat Health Insurance in China
Cigna Global was among the first insurers to offer international health coverage in China and remains a top provider. Its plans provide comprehensive benefits, global protection, and extensive customization for expats.
Cigna Global Insurance Plan
- Flexible plans tailored to your needs and budget
- 1.5M+ providers in 200+ countries
- 24/7 multilingual customer support
Another option for China health insurance coverage is William Russell. Founded in 1992, William Russell has specialized in international health benefits insurance for over 30 years, covering members in 160 countries. They are boutique insurers who pride themselves on customer service.
William Russell Health Insurance
- Worldwide coverage with access to private hospitals and trusted medical networks.
- Comprehensive benefits, covering inpatient care, outpatient treatment, mental health, and emergency evacuation.
- Flexible plan levels that let expats choose the coverage and budget that fit their lifestyle.
Health Insurance for Americans Living in China
If you are a U.S. citizen seeking China expat health insurance with an unlimited policy maximum, another option is Blue Cross Blue Shield Global Solutions.
The BCBS Global Solutions Worldwide Premier plan is an excellent option for U.S. citizens who travel to or from the United States for extended periods, whether for business, leisure, or study. If you leave home for six months or more, your health and financial security are at serious risk because of gaps in most domestic medical insurance coverage and services.
This risk is further heightened by limited knowledge of health and safety hazards worldwide, including unfamiliar medical treatment providers. For other expats in China, we would suggest reading about expatriate insurance.
BCBS Global Solutions Worldwide Premier
- Unlimited annual and lifetime coverage
- Pre-existing conditions covered with prior insurance
- For U.S. citizens abroad or foreign nationals in the U.S.
Affordable Health Plans for Immigrants Moving to China
The IMG Global Medical Insurance Plan offers several affordable options for international citizens, expats, and other foreigners living abroad. The plan offers four plan levels: Bronze, Silver, Gold, and Platinum. Note that coverage, benefits, and costs increase with each plan level.
IMG Global Medical Plan
- Affordable global coverage with flexible options
- Coverage area options based on where you live or work
- Visit any doctor or hospital worldwide
Health Insurance for Expat Employees in China
If you are fortunate enough to have a Chinese employer who provides you with a local healthcare insurance policy as part of the terms of your job, remember to read the fine print. Or, as the case may be, have a fully bilingual friend read the fine print for you!
A Chinese healthcare insurance policy will, of course, be written in Chinese. Medical lingo can be challenging for expats who are still honing their language skills. You’ll want to make a special note regarding inpatient and outpatient healthcare options. A policy that appears generous regarding outpatient care may be somewhat limiting when the same monetary amount is applied to inpatient care.
Considering that most in-patient care results from illness, emergency treatments, or other medical conditions requiring hospitalization and many tests, reaching the limits of your coverage can happen in just a few days.
Connect with a Global Benefits Advisor
- Experts in sourcing and implementing global insurance plans
- We’ve built steadfast partnerships with carriers worldwide
- Licensed in Health, Life, Accident, and more
Best Policies for Students in China
There are several options for international students studying abroad in China. We recommend the WorldTrips StudentSecure plan for most students studying abroad, as it offers affordable coverage, excellent benefits, and service.
StudentSecure Insurance
- Provides Medical, Dental, and Evacuation Benefits
- Keep your coverage when your studies last multiple years
- Medical providers are available in over 130 countries worldwide
The BCBS Global Solutions Worldwide Specialty plan for U.S. students in China is a premium-level plan with an elite network of doctors and hospitals worldwide.
Worldwide Specialty
- Worldwide medical coverage built for students and faculty in the U.S. and abroad.
- Select from a range of deductibles and rates.
- Choose providers either in or out of our elite network.
How Much Does Health Insurance Cost in China for Foreigners?
Private medical plans for foreigners residing in China will cost an average of $4,672 per year (an estimate based on historical sales over the last 18 months). Premiums range from $1,000 per year to $10,200 per year or more for premium-level coverage.
Pricing and costs will vary depending on several factors. The most significant influences on pricing are your age, benefits package, plan design, and deductible selection.
Private Health Insurance vs Public Care in China
Access to Private Care with International Insurance
International health insurance typically allows expatriates to receive treatment in private hospitals or private wings of public hospitals. For expats from countries such as Canada, Germany, or Australia, private hospitals may seem unnecessary or overly exclusive, especially as they adjust to life in China. However, the difference between public and private care can be significant.
Public vs Private Healthcare: What Expats Can Expect
China’s public healthcare system is known for its inconsistency. Private facilities generally offer a much smoother experience, especially for foreigners unfamiliar with the local system. Advantages of private care often include:
- Multi-lingual signage and staff
- Better coordination with international insurance providers
- More modern, cleaner, and better-organized facilities
- Shorter wait times and more personalized service
Private hospitals usually have greater access to diagnostic equipment and specialist care. For simple issues, such as a sprained wrist or a minor infection, these differences may only save you time and frustration. For severe conditions that require inpatient treatment or cross-departmental coordination, private care can have a significant impact on your health and peace of mind.
Understanding China’s Public Hospital Tiers
China classifies its public hospitals into three tiers:
- Tier 1 provides the highest level of care.
- Tier 2 offers good-quality care in most major cities.
- Tier 3 provides basic services and typically does not accept private insurance.
If you must visit a tier-three hospital, you can pay out of pocket and file a reimbursement claim with your insurer later. Most large cities have tier-one or tier-two hospitals that offer far better facilities and specialist care.
Choosing the Right Facility
Before seeking care, research the hospitals available in your area. Many facilities include VIP wings, which often have the best equipment and English-speaking staff. Always confirm with your international insurance provider before receiving treatment. They can advise you on which hospitals accept your plan and direct you to the most suitable options.
The Reality Behind China’s “Universal” System
Although more than 95 percent of China’s population has access to basic public healthcare, the quality varies widely. The services available in rural clinics can be limited compared to those offered by top-tier hospitals in major cities.
Costs are “inconsistent” as well. A basic exam at a rural clinic may cost only a few dollars, while advanced tests or a short hospital stay in cities like Chengdu or Guangzhou can cost thousands.
Why Choosing the Right Insurance Matters
Given the variation in quality, cost, and accessibility across China, expats need to carefully select an international health insurance plan. Adequate coverage ensures access to the best hospitals and doctors with minimal waiting times and provides essential protection as you navigate China’s complex healthcare landscape.
Communication With Chinese Insurance Companies
Despite these limitations, private insurance companies have a slight edge in terms of hospital acceptance. Chinese hospitals usually require patients to pay up front (especially in rural areas). The principle of providing life-saving care to all in need doesn’t always apply if there’s no evidence you can make good on your bill.
This is where having a private policy can be a lifesaver in more ways than one. The staff is familiar with the major insurance brands and can read policy terms.
Benefits of Service and International Coverage
To get the best of both worlds, the generous coverage of private plans and the ease of use of domestic plans with local coverage, expats will often turn to policies with a strong focus on service. That includes insurer mobile and web-based apps that help you find a local hospital that accepts your coverage. It may also include companies that provide translation services and support.
Other expats value rapid reimbursement terms when selecting a coverage plan with an international medical provider to support their new life as expats in China.
Settling into Expat Life
Unlike in other countries, there is no requirement to see a doctor or be registered with a clinic when you begin expat life in China. In fact, with good health and good luck, you might go a year or more without needing to see a doctor!
However, familiarizing yourself with your neighborhood facilities before you actually need them is a good idea. Local friends, colleagues, and other expats can offer valuable insights regarding health recommendations for a clinic and a pharmacy.
They can also advise you on region-specific health tips to maintain good health while living in China. Their tips might include where they buy their bottled water, the inside scoop on air quality, recommendations for which street food vendors to visit, and which to avoid. The proper program will provide peace of mind and help you maintain the wellness of both you and your family.
Find the Best International Medical Insurance
- Compare multiple quotes from top insurers
- Get expert advice at no additional cost
- Find the right plan for your needs and budget
Joe Cronin, President of ICI, is a leading expert in international health, life, and travel insurance. An MBA and founder of multiple global businesses, he helps expatriates and travelers access trusted, comprehensive insurance solutions worldwide.
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