Expat Insurance in China

Healthcare System in China

China has good hospitals in major cities but significant language barriers exist. International hospitals are expensive. Travel insurance with medical evacuation coverage is highly recommended.

What Expat Insurance Should Cover in China

• Inpatient & outpatient care — hospital stays and regular consultations
• Emergency medical evacuation — transport to your home country if needed
• Dental coverage — routine and emergency dental care
• Prescription drugs — medication costs can be significant
• Mental health support — therapy and psychological care
• Maternity — if relevant, check waiting periods carefully

Key Considerations for Expats in China

• Carry insurance docs in Chinese if possible
• International hospitals required for quality care
• Medical evacuation cover is essential
• Emergency number: 120 / 110
• Official language(s): Mandarin

Local Healthcare vs International Insurance

While China has a good-quality healthcare system, access and costs for non-residents can vary significantly. International expat insurance gives you the flexibility to choose your hospital and doctor, often with direct billing available at major private hospitals.