Insurance in China
Medical Insurance- Accident Insurance
- Property Insurance
China Expat Medical / Health Insurance
Whether you are a national relocating for your job or an expatriate moving to or traveling in China, your time abroad will be much more enjoyable with the security of reliable medical insurance. With all of the varied concerns that come with any big move, choosing your coverage doesn't have to be stressful.
For foreigners living in China, the prospect of receiving care at a local hospital can be daunting. While there are hospitals designed for international clientele, the services available can cost much more than equivalent care would cost in your county of origin. This is why it is so important to be sure that you have high-quality expatriate medical insurance while you are in China; you can feel safe about the health care available while not having to worry about the cost of treatment getting too steep. With the current economic prosperity that the country is experiencing, health insurance China options are becoming more readily available.
If you are included in your company's worldwide group health insurance scheme, you will usually enjoy a more comprehensive cover then locally applicable. In case you need to provide for your own insurance, you should explore insurance packages designed for expats
We are currently researching the best options for expatriates and find out a competitive one (AXA Health Insurance) from numerous and dazzling health insurance products:
Why Choose AXA Health Insurance ?
1) AXA Health Insurance has 3 different levels of cover: China Plan(cover China exclude HK,Taiwai, Macau), International Plan(cover worldwide exclude US) and Worldwide Plan(cover all countries) ranging from essential hospitalization cover to our all-inclusive packages which have benefits such as dental and free health checks.
| Inpatient Cover | China Plan | International Plan | Worldwide Plan |
| Annual Limit for Part 1-7 | 8,000,000 | 12,000,000 | 18,000,000 |
| Part 1: Hospitalization Benefit: Co-Payment | Nil | Nil | Nil |
| Daily Room & Board Limit Per Day | StandardPrivate Room | StandardPrivate Room | StandardPrivate Room |
| Intensive Care Unit |
Full Coverage | Full Coverage | Full Coverage |
| Hospital Miscellaneous Expenses (Prescription drugs, inpatient diagnostic procedures, Nursing, Operating theatre charges) | Full Coverage | Full Coverage | Full Coverage |
| Inpatient Physiotherapy**, Ambulance Service, Surgeon's Fee, Anesthetist's Fee, Inpatient Physician's Visit | Full Coverage | Full Coverage | Full Coverage |
| Home Nursing** (Max 90 days per disability) | Full Coverage | Full Coverage | Full Coverage |
| Immediate Family Accommodation **(Max 90 days per disability) | Full Coverage | Full Coverage | Full Coverage |
| Pre-hospitalization or Pre-day Surgery Specialist Consultation (Up to 90 days before admission) | Full Coverage | Full Coverage | Full Coverage |
| Pre-hospitalization or Pre-day Surgery Diagnostic Services (Up to 90 days before admission) | Full Coverage | Full Coverage | Full Coverage |
| Post-hospitalization or Post-day Surgery Treatment: Within 90 days immediately following the date of the last discharge from hospital | Full Coverage | Full Coverage | Full Coverage |
| Inpatient Psychiatric Treatment: Up to 30 days per policy year after 12 months continuous cover under the plan; Lifetime limit of 100 days | / | Full Coverage | Full Coverage |
| Part 2: Major Organ Transplant | Full Coverage | Full Coverage | Full Coverage |
| Part 3: Artificial Prosthesis (Surgical Implants) | Full Coverage | Full Coverage | Full Coverage |
| Part 4: Cancer Treatment and Outpatient Kidney Dialysis Benefit Limit Per Year / Lifetime Limit |
500,000 / 1,500,000 |
650,000 / 2,000,000 |
800,000 / 2,500,000 |
| Part 5: Outpatient Emergency Dental Treatment (Due to accidents only) | Full Coverage | Full Coverage | Full Coverage |
| Part 6: Outpatient Emergency Treatment (Due to accidents only) | Full Coverage | Full Coverage | Full Coverage |
| Part 7: Usage of High Cost Provider | Available with conditions | Available with conditions | Available with conditions |
| Part 8: Emergency Assistance Service and Benefits | Unlimited | Unlimited | Unlimited |
| Outpatient Cover | China Plan | International Plan | Worldwide Plan |
| Annual Limit (Limit to 1 visit per day per disability) | 30,000 | 60,000 | 120,000 |
| Co-Payment | Nil | Nil | Nil |
| Clinical Consultation, Specialist Consultation, Prescription Drugs & Medicine | Full Coverage | Full Coverage | Full Coverage |
| Physiotherapy & Chiropractic Treatment** (Max 10 visits per year) |
Full Coverage | Full Coverage | Full Coverage |
| X-Ray and Laboratory Fees | Full Coverage | Full Coverage | Full Coverage |
| Chinese Herbalist,Bonesetter,and Acupuncturist** (Max 10 visits per year) | Full Coverage | Full Coverage | Full Coverage |
| Routine physical examinations,health screening & health check-ups, and vaccinations: Benefit Limit Per Year | 3,000 | 4,000 | 5,000 |
| Usage of High Cost Provider | Available with conditions | Available with conditions | Available with conditions |
| Dental Cover (Optional based on IP+OP) | China Plan | International Plan | Worldwide Plan |
| Annual Limit | 5,000 | 8,000 | 10,000 |
| Co-Payment | 25% | 25% | 25% |
| Dental Treatment | Covered | Covered | Covered |
| Preventive & Oral Examination (Max 2 visits per year) Max limit per visit | 500 | 800 | 1,000 |
| Dentures ** Max limit per tooth | 2,500 | 2,500 | 2,500 |
| Usage of High Cost Provider | Available with conditions | Available with conditions | Available with conditions |
| Maternity Cover (only for renewal business and optional based on IP+OP ) | China Plan | International Plan | Worldwide Plan |
| Annual Limit | 30,000 | 60,000 | 90,000 |
| Waiting Period | 12 months | 12 months | 12 months |
| Co-Payment | Nil | Nil | Nil |
| Normal Delivery, Cesarean**,Abortion**, Miscarriage**,Medically Necessary costs for new born baby for 15 days upon birth | Full Coverage | Full Coverage | Full Coverage |
| Usage of High Cost Provider | Available with conditions | Available with conditions | Available with conditions |
2)
Use your members card to access a vast network of premium medical facilities across China, Hongkong and Asian. There's no need for you to pay upfront because AXA Health Insurance pays your medical bills directly. Details below:
| Direct Billing | Advantages of Direct Billing | |
| Beijing | 30+ Hospitals |
|
| Shanghai | 40+ Hospitals | |
| GuangDong | 9 Hospitals | |
| China other cities | 100+ Hospitals | |
| Malaysia | 2000+ Hospitals | |
| Thailand | 200+ Hospitals | |
| Singapore | 160+ Hospitals | |
| Vietnam | 5 Hospitals | |
| Indonesia | 500+ Hospitals | |
3) Prevention is better than any cure. With the Wellness Benefit, AXA Health Insurance will fully cover any necessary tests or vaccinations to ensure you're fit and healthy. And because it makes use of Direct Billing, you don't need to pay cash and claim. About the Wellness Benefit:
- Fully covered tests and vaccinations up to RMB 3000 (China Plan)
or
RMB 4000 (International Plan) or RMB 5000 (Worldwide Plan) each year.
- Covers all necessary vaccinations for babies, children & adults.
- We will cover any tests and vaccinations recommended by your doctor.
