FAQs on medical insurance for overseas talents' families
Q:
My husband has a B-type residence permit for overseas talent. I'm a full-time housewife and my household registration is not in Shanghai. Am I eligible for basic medical insurance for Shanghai residents?
A:
The residence permit for overseas talent is divided into a master permit and an accompanying permit. Overseas talent can apply for the master permit, while their spouse and children under 18 (or still in high school) can apply for the accompanying permit. With this permit, you can enroll in Shanghai's basic medical insurance and enjoy the associated benefits.
Q:
How do students enroll in the medical insurance?
A:
For school-age students, enrollment is typically organized by their school during a designated period.
Q:
What are the 2024 Shanghai resident medical insurance premiums?
A:
- Age 70 and above: ¥595 ($83.82)
- Age 60-69: ¥765
- Age 19-59: ¥935
- Kids, elementary/middle/high school students and university students: ¥295
Q:
What are the benefits of the 2024 Shanghai resident medical insurance?
A:
Outpatient and emergency care
Deductibles:
- Age 0-18: ¥300/year
- Age 19-59: ¥500/year
- Age 60-69: ¥300/year
- Age 70 and above: ¥300/year
Personal expenses:
- Primary hospitals: 30%
- Secondary hospitals: 40%
- Tertiary hospitals: 50%
Inpatient care
Deductibles per visit:
- Primary hospitals: ¥50
- Secondary hospitals: ¥100
- Tertiary hospitals: ¥300
Personal expenses:
- Age 0-18: 20%-40%
- Age 19-59: 20%-40%
- Age 60-69: 10%-30%
- Age 70 and above: 10%-30%
Q:
What about coverage for major illnesses?
A:
Major illness insurance covers:
- Dialysis for severe kidney disease
- Anti-rejection treatment for kidney transplants
- Cancer treatments
- Certain mental illnesses treatments
After basic insurance reimbursements, 60 percent of personal expenses can be further covered by major illness insurance. University students suffering from illnesses such as hemophilia or aplastic anemia can also apply for major illness insurance.
Q:
Where can I apply for the basic medical insurance for Shanghai residents?
A:
Option 1: Shanghai Hongqiao One-Stop Service Center for Overseas Talents
Address: 2nd floor, T5 Building, EBA Center Hongqiao, No 377 Songhong Road, Changning district
Option 2: Bring your B-type residence permit (for both yourself and your children) and the agent's ID card to the local medical insurance service center in each subdistrict or community.
Q:
When is the application period for medical insurance?
A:
The standard application period is in early November each year. New eligible individuals can enroll without a waiting period and their insurance will become effective on the first day of the following month. If you apply after the period, there is a three-month waiting period, during which you will not receive coverage.
Sources: Changning District Medical Insurance Bureau