Your Health Insurance Experts

Individual Plans

Individual China Health Insurance plans are specially designed to protect single persons living or traveling in China against the costs associated with healthcare in the country. We also offer comprehensive individual policies which provide protection to Chinese nationals in China; ensuring that no matter who you are, or where you may be going, that your medical insurance plan will have you covered.

At China Health Insurance we have extensive relationships with some of the world’s top insurance companies. Because of these relationships we are able to provide expansive Chinese medical insurance options to you that may not be available anywhere else.


Individual Health Insurance Coverage in China

The individual health insurance options in China that we work with can provide you with countless different coverage options. Our expert team of brokers will work with you to identify the coverage you require not just now, but also many years into the future.

Coverage benefits on offer under an Individual China Medical Insurance plan can include:

The above links represent some of the many individual health insurance options we are able to offer in China. If there is a specific type of cover that you would like to obtain please let us know and we’ll work to find a plan which includes it.


Individual Health Insurance around the World

One of the major benefits of an individual medical insurance plan from China Health Insurance is the fact that these policies will often provide you with worldwide coverage.

You read that right – Worldwide Protection; No Matter where on earth you may go, your plan will normally travel with you ensuring that you have the vital protection you need around the world.

In addition to this, our medical insurance plans are typically guaranteed renewable for life. This means that you are able to continue renewing your coverage each year for as long as you need it, secure in the knowledge that it is up to you to decide how long you want protection. Furthermore, policies from China Health Insurance will also normally allow you freedom to choose where you receive your medical treatment, enabling you to seek the best healthcare with the doctor or hospital or your choice anywhere on earth.


Individual Health Insurance Premiums in China

When you purchase an individual medical insurance policy from us your premium will normally be community rated.

A community rating means that everyone of the same age, with the same coverage and in the same coverage area will pay the same premium.

With an individual health insurance policy from China Health Insurance you can be confident that making a claim under your plan will not result in a higher premium, your medical (or claims) history will not impact the cost of your plan when you renew. This allows you to receive the healthcare you need, when you need it, without having to worry about an inflated cost because you have had treatment.

However, as one of the premium variables is your age, it should be noted that the cost of your plan will normally increase as you get older. This is due to the fact that older individuals normally suffer more health problems than their younger peers. However, the increases are extremely manageable, and our dedicated in-house administration department will ensure that you are fully aware of any premium increases you may experience when you renew the plan – enabling you to forecast and budget for any price rises.

If you would like to learn more about how our health insurance premiums are calculated please click China Health Insurance premiums for further information.


Health Insurance for Expatriates : Inpatient Care and Hospitalization in China

Inpatient medical treatment is normally defined as Any medical treatment at a hospital or similar facility where an overnight stay is required. Simply put, if you go to hospital for treatment, such as a surgical procedure, and you remain in hospital for one or more nights, then you are an inpatient.

Inpatient health insurance coverage will typically form the core of any Health Insurance plan for expatriates – this type of protection must usually be purchased in order to receive additional benefits under the policy.

The costs of inpatient medical care are usually far greater than those of any other type of healthcare treatment you will ever receive – a single stay in hospital for a serious medical condition can easily surpass the cost of all outpatient healthcare you have ever received in your life.

A majority of the Inpatient medical insurance policies on offer from China Health Insurance will normally allow you the freedom to choose where you receive your healthcare treatment; enabling you to seek treatment from the doctor or medical facility of your choice, anywhere in the world, and gives you the ability to control the quality of the healthcare that you receive.

Inpatient Health Insurance Coverage for Expatriates in China

An Inpatient medical insurance policy for expatriates in China will usually allow for the coverage of costs associated with:

  • Accommodation at a hospital or medical facility.
  • Costs associated with accidents and emergencies, intensive care, and surgeries.
  • All medications and prescriptions while in hospital.
  • Organ transplants.
  • Prosthesis.
  • X-rays, pathology, diagnostic tests and procedures.
  • Ambulance transportation.
  • Accidental damage to natural teeth.
  • MRI, PET, and CT scans.
  • Oncology tests, drugs, and cover for chemotherapy and radiotherapy
  • All post hospitalization treatment received within 90 days of being discharged.
  • Physiotherapy from a registered physical therapist when referred by a medical practitioner, consultant, or specialist.

While inpatient health insurance coverage will generally provide protection against the costs arising from medical care in the event that an overnight stay in hospital is necessary the specifics of this type of coverage will normally vary between each insurance company. As such, it is important that you check with your provider as to exactly what is covered under your policy.


Outpatient Health Insurance Plans in China

Outpatient health insurance is normally available in addition to inpatient coverage under a China health insurance policy.

For more information about inpatient protection please see Inpatient Health Insurance .

Outpatient medical treatment is typically defined as: Treatment provided in the practice or surgery of a therapist, specialist, or general medical practitioner which does not require an overnight stay in a hospital or medical facility.

This type of health insurance coverage is generally used to protect you against the costs associated with day-to-day healthcare, such as Doctor’s checkups or simple diagnostic tests, and can prove especially useful for families with young children who may require a number of doctors visits throughout the course of a year.

Claims made for outpatient healthcare are often smaller than claims made for inpatient healthcare, however it is normal that you will have more outpatient visits throughout the year than you will have inpatient – making this type of coverage handy in terms of managing your small, ongoing medical expenses.

China Outpatient Medical Insurance Coverage

As with all the insurance options from China Health Insurance the specifics of an outpatient medical insurance plan will usually vary depending on the insurance company you choose to purchase your plan from. However, there are a number of benefits included under outpatient health insurance which will often be found on the plans offered by a majority of insurance providers.

Typical benefits for an Outpatient health insurance plan will normally include protection against the costs associated with:

  • Primary consultations and treatment, including prescribed medicines, drugs, dressings, and medical practitioner fees.
  • X-rays, pathology, diagnostic tests and procedures.
  • Psychiatric treatment after 12 months of continuous cover.
  • Complementary medicine when referred by a qualified medical practitioner in the form of, osteopathic, chiropractic, homeopathic and acupuncture treatment.
  • MRI, PET, and CT scans.
  • Out-patient surgical operations.
  • Oncology tests, treatments and drugs, including Chemotherapy and Radiotherapy.
  • Physical therapy by a registered physiotherapist when referred by a medical practitioner, consultant, or specialist.

Because China Health Insurance is able to offer outpatient health insurance options from more than 60 leading international health insurance companies it is important that you advise us as to exactly what you would like to receive protection for under this portion of your plan. Once you have identified a suitable insurance company we would then recommend that you check the details of the coverage to ensure that the policy will offer the protection that you require – our expert China medical insurance consultations will be more than happy to assist you in this regard.


Emergency Evacuation Insurance in China

An Emergency Evacuation coverage benefit is available with most of the medical insurance plans from China Health Insurance.

In the event that you experience a medical emergency, either through contracting a serious disease or suffering from a major accident, an Emergency Evacuation coverage benefit under a China medical insurance plan will ensure that you are able to be transported to a quality medical facility without having to pay for the costs of that transportation.

Typical Emergency Medical Evacuation scenarios can easily reach US$ 100,000 or more due to the fact that this type of transportation may include Air Fares, accompanying doctors, or even helicopter evacuation services if you are in a more remote part of the world.

For example, if you experience a major accident while trekking in Tibet – such as falling and breaking your leg on a remote mountain – getting to a hospital (or even a clinic) which will be able to provide assistance can be a challenge. Depending on your location the nearest facility which is able to help may be many hours away.

In this situation, and if your insurance policy offered an Emergency Evacuation coverage benefit, you could contact the insurer with your mobile phone and enlist their help to get you evacuated to the medical care which you need.

Emergency Medical Evacuation Coverage

An Emergency Medical Evacuation coverage benefit doesn’t even have to solely relate to excursions in remote parts of China.

In the event that you are admitted to a hospital for treatment and the hospital is unable to treat the condition, or provide a suitable standard of care, then a request can be made for an evacuation to the nearest “center of medical excellence” which is able to provide the necessary care.

Depending on the part of the world which you are located in this evacuation could mean that you are transported to another hospital within the same country or to another country entirely. Furthermore, many Emergency Evacuation coverage benefits will also include protection for Repatriation – enabling you to return to your home country for treatment if the situation necessitates it.

Unfortunately a policyholder cannot unilaterally request an emergency medical evacuation – the request must be approved, and agreed to, by both the insurance company and the attending medical professionals at the medical facility which you were admitted to. Ultimately, the decision to evacuate, or not to evacuate within a hospital setting will be based on medical necessity and whether or not the treating facility has the capability to care for your condition.

A final aspect of an Emergency Evacuation coverage benefit is the typical inclusion of coverage for the repatriation of the policyholder’s mortal remains. In the unfortunate event of a policyholder's death, the majority of emergency evacuation plans will cover the costs of transporting the policyholder's remains back to their home country. They will also arrange for such things as embalming and a zinc coffin. In many cases cremation will only be covered if it is a legal necessity.

Free China Health Insurance Quotes

If you would like to receive a free quote for an emergency evacuation health insurance plan simply complete the short form at the top of this page – our expert advisors will be happy to provide you with a comprehensive comparison of the many plans which may be suitable for your needs.

Alternatively, you can also contact China Health Insurance today to speak with one of our advisors about all the coverage options which we are currently able to offer.


Traditional Chinese Medicine and Alternative Health Care Insurance

Traditional Chinese Medicine and other Alternative Health Care Treatments such as acupuncture and osteopathy are enjoying a resurgence in many places around the world, and they often play an important part in the life of many in China. Traditional Chinese Medicine (TCM) is available in many places all across China and a growing number of people are searching for Health Insurance plans that cover TCM and other alternative medical treatments.

Alternative Health Care Insurance Coverage

China Health Insurance can help you compare and select health insurance with alternative medical benefits that will offer cover for traditional Chinese medical treatment. Typically an alternative health care insurance plan with a traditional Chinese medical benefit will be included in an out-patient option that provides cover for “alternative therapies” such as:

  • Traditional Chinese Medicine
  • Acupuncture
  • Osteopathy (Bone Setting)
  • Homeopathy
  • Chiropractic Treatments

Traditional Chinese Medicine Insurance Benefits

A traditional Chinese medicine benefit can provide cover for acupuncture and herbal medicine. Most plans that cover traditional Chinese and alternative medicine treatments will not have a waiting period for these benefits. However, this can change between insurance companies and plans, so it is important to talk to one of our specialists and see if a waiting period will apply.


Free Traditional Chinese Medical Insurance Quotes

If you would like to know more about a plan that covers traditional Chinese medicine, or other alternative medicines, we can help. Our advisers have expert knowledge of China and the Chinese health system, we can provide total support for your plan and can assist with any difficulties that you may have.

For a free quote you can either fill out the short form at the top of the page or you can click contact us to get in touch with one of our experienced brokers to learn more about what traditional Chinese medicine health insurance options are available to you or what other benefits may be important to you.