Insurance is essential for any expat living and working in China. Below are some important things you should know before buying insurance in China.

Are there any insurance products specifically for me?

Generally, expats who travel, study, live and work in China are no different from Chinese citizens in purchasing commercial insurance. However, you can find a variety of different types of insurance products on the market according to your needs, such as personal accident insurance, dread disease insurance and investment savings insurance.

What kind of commercial insurance can I buy in China?

Expats can purchase any kind of insurance as long as they meet the condition of the insurers. Specifically, short-term products are more suitable for you if you have temporary residence certificates. You may need to purchase long-term coverage if you are a permanent resident, have real property or are married to a Chinese citizen. It should be noted that most domestic insurance companies do not assume insurance liabilities outside the Chinese mainland.

How long will it take to get covered?

Some health insurance plans have waiting periods, which means that coverage for specific services begins after a certain length of time from when you buy it. Therefore, you need to ask the insurer for the actual start date to avoid any inconvenience. 

Does the hospital I intend to go accept my insurance?

If you would like to receive treatment at a specific hospital or clinic, make sure they accept insurance from the insurer you intend to choose. Whether you want coverage for therapy, vaccinations or traditional Chinese medicine, it is important to ensure the health insurance plan you are about to purchase offers coverage to the specific medical care services you are interested in.

Can accompanying persons participate in the basic medical insurance?

The unemployed spouse of a Card B holder and his or her child(ren) under the age of 18 or studying in a high school can participate in the basic medical insurance for Shanghai residents and enjoy relevant benefits.

Source: govt.chinadaily.com.cn