China Expat Health Insurance

Use our China health insurance comparison service to compare insurance plans from leading insurers for expats living in China.

China ExpatHealth Insurance

Medical Cover Asia has many years of experience working in China and can provide in depth information in regards to any China health insurance related issues, and work to help you find medical insurance that offers comprehensive cover.

China Expat

Medical Cover Asia maintains close relationships with the major international and China insurance companies . That way we can offer our clients the best insurance plans at highly competitive prices. We get paid by the insurer only if you decide to purchase the plan, you will never have to pay extra for working with us .

Remember that our expatriate insurance brokers represent you, not the insurance companies, so we can offer you unbiased advice on any International Medical Insurance Plan.

Our extensive knowledge of the China Expat Medical Insurance Plans, guarantees that you will be provided with the best coverage where and when you need it. As China Medical Insurance brokers, we bring you expert advice on Expat Medical Insurance Plans.

China Medical Cover for Expats

In recent years China and its major cities of Beijing and Shanghai have became some of the most desired destinations for expats, despite the health risks such as air pollution China has a increasing expat population that’s aware of these health risks and should prepare accordingly with health insurance plans that can be relied upon when healthcare is needed.

Health and medical issues for expats in China used to be simple. If you had a medical or health problem, you would leave China as soon as possible to get professional health care back home. Expats in China have more options now, but they come at a price. Hospitals and clinics in places like Shanghai, Beijing, Shenzhen and Suzhou now provide international-level medical treatment — but will charge you just as much as facilities in the West. Buying insurance and medical coverage in China is getting more complicated, but help is available. There are plenty of qualified experts who can help you analyse your family healthcare needs and find the best solution for you unique household situation.

Hospitals in China have gotten better – and more expensive. We used to be quite skeptical about international healthcare policies that covered outpatient care because it was so cheap — and of questionable effectiveness – in China. Nowadays the major cities in China offer international-style clinics for outpatient care that rivals (or surpasses) US HMOs. Unfortunately, the advances in care have been accompanied by advances in pricing.

Local & international health insurance plans that provide direct billing payment options, which simply means any hospital or healthcare provider in China can simply bill the insurance company directly for its medical care services, making the process of receiving healthcare exactly when you need it most easy and convenient.

Shanghai Expat Healthcare

It comes as no surprise that many of the top private hospitals in Shanghai bear more resemblance to 5 star hotels than they do to their sister facilities in Europe or the USA . Despite this environment of comfort and luxury, private hospitals in Shanghai are struggling to compete with the services offered by the public sector. This is mainly due to the fact that public hospitals have a better reputation from offering treatment for longer periods of time, this has allowed them to capture the loyalty of millions of devoted patients. Then there is another major concern, money. The state health insurance scheme allows policyholders to claim for their treatments if they visit public hospitals, but generally not if they use private facilities. This has lead to a number of leading hospitals struggling to find the patients that they need in order to carry on business.

There are approximately 20 world class private hospitals in Shanghai , when compared to the 500 odd public medical facilities located throughout the Shanghai metropolitan area, this number seems woefully low. 96.1% of all the hospitals beds in the city belong to public hospitals and it is these same facilities that own the market share of both in-patient and out-patient treatments, because it is impractical for a majority of Chinese citizens to spend so much on healthcare. There is hope for the troubled private medical industry in Shanghai however, with the city experiencing its highest growth levels ever, more and more foreign nationals are visiting or choosing to permanently relocate there.

It are these newcomers that are helping to drive the Shanghai private healthcare industry, primarily because they are doubtful as to the quality of treatments offered in the public medical facilities. This leads them to hospitals and doctors that are more in line with what they are traditionally used to, as well as the high costs associated with the higher quality. The Shanghaineese healthcare system is in an interesting stage in its development where both the public, due to Chinese nationals, and private, due to expatriates, healthcare services are thriving; and because the foreign nationals are used to traditionally high medical costs, the private healthcare infrastructure seems comparatively normal. This is not to say that these treatments will be cheap, rather that when compared to the costs associated with care in a country like the USA , they are much lower.

Read more: Beijing Expat Health Insurance

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