Do I need Health Insurance When Moving to China?

Moving to China as an expat or digital nomad comes with several considerations, one of the most important being health insurance. While China does not explicitly require foreigners to have health insurance to enter the country, obtaining residency and ensuring comprehensive healthcare coverage during your initial period is crucial. The requirements for health insurance can vary, but typically, it's recommended to have coverage that includes medical emergencies, hospitalization, and repatriation. The coverage amount should be substantial enough to cover potential medical costs, often suggested to be at least USD 100,000. Additionally, ensuring that the insurance plan covers the entire duration of your stay is essential.

Does Expat Health Insurance Meet the Requirements?

Most expat health insurance plans are designed to meet the needs of individuals living abroad and often exceed the basic requirements for residency in China. These plans typically offer comprehensive coverage, including emergency medical care, hospitalization, outpatient services, and sometimes even dental and vision care. It's important to check the specifics of your plan to ensure it covers the necessary aspects and meets any specific criteria set by Chinese immigration authorities.

Which Local Health Insurers Offer This Type of Insurance?

Several local insurers in China offer health insurance plans suitable for expats and digital nomads. Companies like Ping An Insurance, China Life Insurance, and Pacific Prime are well-known for providing comprehensive health insurance plans tailored to foreigners. These insurers offer a range of coverage options, including inpatient and outpatient care, emergency services, and sometimes even international evacuation. It's advisable to compare plans from different insurers to find one that best suits your needs and budget.

Advice from Expats in China about Health Insurance

Expats in China often advise newcomers to carefully consider their health insurance options. It's recommended to look for plans that offer direct billing, which allows you to receive treatment without paying upfront. Additionally, ensure your plan includes coverage for pre-existing conditions if applicable. Consider plans that provide access to international hospitals and clinics, as well as those that offer English-speaking customer service. Lastly, read the fine print to understand any exclusions or limitations in the policy. Choosing a reliable and comprehensive health insurance plan will provide peace of mind and ensure you have access to quality healthcare during your stay in China.

Expats Talk about Health Insurance in China

"Men in China over 55 and woman over 50 do not qualify for National Healthcare, so employers have to pay for private insurance. However, the coverage is comprehensive. You do need to get prior approval from the insurance company, but that is to be certain you go to the proper medical facility.," said one expat who moved to Shenzhen, China.