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Medical Insurance for Expats in China

 

Simple & Low-cost

  • $37usd /4 weeks. Great value, auto-renewable

  • Apply online; make claims online. No papers.

  • No hospital restrictions 

  • Automatic monthly renewal is convenient

  • Transparent pricing and inclusions/exclusions

  • Backed by industry giants LloydsTokio Marine

  • Most sports / activities covered

  • Bonus: basic travel insurance included too

It took us just 7 minutes to sign-up for SafetyWing. Unlike most providers, they've made it fairly easy to understand how their coverage works, and its clear what is and isn't covered, including sports and recreational activities. Unlike most plans, you're not locked in. Instead, you can choose to pay monthly as subscription service (at no extra cost). > FAQ

Costs are notably cheaper vs. competitors as long-term cancer, preventative care and pre-existing conditions are excluded. Users visiting the US and those over 39 years will also pay higher premiums. 

Reducing middlemen also avoids commissions.

BEST FOR: Individuals & families wanting medical-travel emergency coverage with no complex needs 

Customizable

  • Pricing depoends on options

  • 24-hour legal advice / emergency cash  etc

  • provides travel guides etc

  • Transparent pricing and inclusions/exclusions

  • Backed by industry giants (Lloyds / Tokio Marine)

  • Most sports / activities covered

 

World Nomads is kinda like  health insurnace with Though more complex to sign up for (e.g. they want to know which countries you will be visiting) there are more options with World Nomads. They have a lot of information explaining what is and isn't covered. 

Sign-up is more complex as there are more questions  took us just 7 minutes to sign-up for SafetyWing. Unlike most providers, they've made it fairly easy to understand how their coverage works, and its clear what is and isn't covered, including sports and recreational activities. Unlike most plans, you're not locked in. Instead, you can choose to pay monthly as subscription service (at no extra cost). > FAQ

Costs are notably cheaper vs. competitors as long-term cancer, preventative care and pre-existing conditions are excluded. Users visiting the US and those over 39 years will also pay higher premiums. 

Reducing middlemen also avoids commissions.

BEST FOR: Individuals & families with well-organized plans and who want more customization.

  Do I really need travel insurance? 

 

Unless you're rich, you probably can't afford to not have health insurance.

  • Getting hit by a car or scooter (broken hip, dislocated shoulder, concussion)

  • Slipping or falling down on wet steps (broken foot, dislocated toes, fractured wrist)

  • Beachside injuries (Surfboard to the head (head stitches, concussion)

  • Catching chikungunya, dengue or yellow fever virus from mosquitos (hospitalization)

 

Accidents or Illness overseas are common and are stressful enough without worrying about expenses. Travel medical insurance can be cheap and literally save your life.

 

Aren't healthcare costs cheap in Asia?

 

Healthcare can be cheap overseas, but so can the quality. Poor-quality healthcare can leave you with scars, dangerous complications, horrible side effects or even permanent disability.

 

Medical training can be notably less than in southeast Asia, including China. Overall, healthcare may be cheaper than back home but high-quality healthcare still isn't cheap - costing hundreds to thousands of dollars for treatment. A medical evacuation can cost 39,000-250,000usd. 

 

It can be a hassle but maintaining health insurance is very wise - and can starts from just ¥8/day 

Heads-up: Affiliate Links

Being not-for-profit is hard. We have costs to keep this site running, yet ads pay like nothing. So, at no extra cost to you, we make a small percentage of some sales via affiliate links. It's difficult to find decent travel insurance that's affordable, easy to sign up for abroad and doesnt seem scuzzy. We 100% promise we have personally used both options and hope they can suit your needs too.

 

 Biggest Tip: Read the Terms & Conditions! It's a hassle but worth it.

 

What's the difference?

 

Expat Global Health Insurance

  • For expats living outside of their home country for extended periods of time.

 

  • Often includes dental visits, family doctor visits, & elective surgeries

  • Very customizable when working with an agent. Many different levels of coverage.

More info coming soon

 

Emergency Medical-Travel Insurance

 

  • Only for emergencies.

  • Excludes checkups, dental cleanings etc. Just Basic coverage, exluding checkuos

  • Less customizable, but often includes travel perks: trip cancellation, lost baggage.

 

Snorkelling & Beach Volleyball: Extreme Sports?

 

 

On past trips, we've ridden camels in India, kayaked Thailand, surfed the Sri Lankan coast and *GASP* played beach volleyball and snorkelled!

 

Unfortunately, some companies actually classify ALL of those activities as extreme sports. That's ridiculous. Worse, they hid it away in the fine print. Thats why I actually read the fine print now. its boring but worth it because buying a policy with unreasonable underwriting is a waste of money.

> Never spam, just health. Once a month. Signup Today.

The information and advice published or made available through this website is not intended to replace the services of a physician or healthcare professional.

To help cover the costs of web-hosting & maitenence, some pages feature affiliate links. We wouldn't recommend them if we didnt believe and persoanlly use them ourselves. These links do not raise the price of your purchase. There is zero extra cost to you & we get to keep operating.

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