Expatriate health insurance in China | Mondassur
Expatriate insurance in China is a must: whether you live there or plan to go, think Mondassur!
Planning to live, or already living, in China? Taking out health insurance in China is essential to meet the often high medical costs and guarantee your peace of mind. Whether for routine care or emergencies, good coverage protects you throughout your stay. Discover our tailoredChina health insurance solutions and leave with a clear head.
Our insurance offers for expatriates in China
Expatriate Insurance China Gold Nomad Expat
Our contract with good levels of cover, suitable for your expatriation to China.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
China Gold Expat Access Expatriate Insurance
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate Insurance
China Gold Expat
Safe
Health insurance that provides effective coverage in the event of accident or illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance China Gold Expat Premium
Our most comprehensive expatriate health insurance, tailored to your expatriation in China.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need some advice?
Some figures on health insurance in China
| Number of public hospitals | 12 190 |
| Number of private hospitals | 24 380 |
| Number of doctors per 1,000 inhabitants | 2,5 |
With almost 35,000 hospitals, China boasts an impressive healthcare infrastructure. However, the ratio of 2.5 doctors per 1,000 inhabitants underlines the importance of having a solid expatriate insurance policy to guarantee fast, quality access to care. For this reason, taking out the right health insurance for expatriates is crucial to protect yourself against unforeseen medical circumstances and to benefit from the best services available. To live in China, you’ll need an international insurance certificate to obtain your visa.
The type of visa required will depend on your profile and the purpose of your stay in China. For example, international students must obtain a study visa (X1 or X2) and have student insurance for China adapted to their needs.
If you’re planning a tourist trip to China, you’ll need an L visa. In this case, we also recommend that you take out travel insurance for China.
How China's healthcare system works :
Insurance in China is a crucial issue for expatriates, given the marked differences with Western systems. Indeed, China’s healthcare system is divided into two main categories: public and private. Understanding how these two systems work is essential to choosing the health cover best suited to your needs as an expatriate.
How does social security work?
Public health insurance
Public insurance in China is mainly government-run. It aims to provide basic coverage for the majority of the population. The system is financed by employer and employee contributions, as well as government subsidies. So employees are covered. Cover quality may vary. It does, however, include basic hospital care, medical consultations and essential medicines. Expatriates working in China can also benefit from this system, provided their employer contributes to the Chinese social security system.
However, prices and delivery times can vary, with services sometimes limited in rural areas. In terms of cost, public insurance is relatively affordable. However, it does not always cover all expatriate medical care, especially specialized, high-quality care.
Private health insurance
For more comprehensive coverage and a higher quality of care, many expatriates opt for private expatriate insurance. These insurances offer access to private hospitals and clinics, where services are generally faster and of better quality. Expatriates can benefit from consultations with doctors who speak several languages and use advanced medical technologies. Private insurance rates are higher than public insurance rates. However, they offer peace of mind and more extensive coverage. And coverage times are often shorter. What’s more, care is more personalized. This makes it an attractive option for those seeking to benefit from the best possible healthcare system in China.
Healthcare facilities in China
Healthcare facilities in China fall into two categories: public and private. Public hospitals are numerous and spread throughout the country, but can be overcrowded, especially in the big cities. Treatment times are often longer there, and the quality of care can vary from region to region. Private hospitals, on the other hand, offer superior services, but are much more expensive.
Hospital pharmacies provide easy access to medicines, but healthcare costs can also be high. The quality of care in private centers is generally very high, with short turnaround times and staff who are often multilingual. However, due to high demand, there may be competition for appointments at the best establishments. In short, China offers a wide range of healthcare services, and the choice between public and private will depend on your specific needs and budget. Taking out expatriate insurance is therefore essential in China!
Which hospitals offer treatment in China?
Getting medical treatment in China can be a varied experience, depending on the hospitals and cities you find yourself in. Indeed, expatriates often prefer international hospitals, or those with a reputation for quality of care. Here is a list of some well-known hospitals:
- Beijing : Peking Union Medical College Hospital, Beijing United Family Hospital
- Shanghai
Shanghai East International Medical Center, Shanghai United Family Hospital - Guangzhou
Clifford Hospital, Guangzhou United Family Hospital - Shenzhen
Shenzhen People’s Hospital, Shekou International SOS Clinic - Chengdu
Huaxi International Medical Center
These establishments are renowned for their high-quality services, experienced doctors and ability to treat international patients in several languages. Insurance is therefore essential to cover your medical costs, which can quickly become high in these private hospitals. And don’t forget that China is a country with a lot ofair pollution in its biggest cities. You must therefore take care of your health in this respect to avoid any long-term after-effects.
Western medicine VS Chinese medicine
In China, you’ll find a unique blend of Western medicine and traditional Chinese medicine (TCM). Western medicine is widely practiced in modern hospitals and clinics. The latter provide advanced treatments and diagnostics. Chinese medicine, on the other hand, offers practices such as acupuncture, moxibustion and phytotherapy. These are deeply rooted in our culture and are therefore widely available. Many hospitals integrate the two approaches to offer holistic treatment.
More and more French expatriates are living in China. Understanding both healthcare systems is therefore important for choosing the type of care that suits you best. An international expatriate insurance policy covering both types of medicine can therefore be a major asset if you are to benefit from comprehensive care in China.
Emergency numbers
In the event of an emergency in China, knowing the numbers to contact is vital. That’s why we’re giving you the main emergency numbers to register:
- Police : 110
- Fire department : 119
- Ambulance : 120
These numbers can be reached from any telephone in China. For expatriates, knowing the embassy and consulate emergency numbers can prove useful. Find out about the differences in driving habits between your home country and China. In an emergency, you may have to drive. Having an insurance policy that includes a 24-hour emergency assistance service is also crucial to guarantee a rapid and efficient response in case of need. That’s why you should take out expatriate insurance in China with Mondassur!
Healthcare costs in China
The cost of healthcare services in China can vary considerably. Here is a list of the various costs you may be faced with:
- A consultation with a doctor in a public hospital costs around 50 to 100 RMB (between €6 and €12), while a consultation in a private hospital can range from 300 to 600 RMB (between €38 and €75).
- Prescription drugs can be purchased directly from hospital pharmacies or local pharmacies, with prices varying according to the nature of the drugs. These will obviously be more expensive in private facilities.
- Hospitalization in the public sector cost between 5,000 and 20,000 RMB (between €630 and €2,520), while in the private sector they can be very expensive, with charges ranging from 10,000 to 50,000 RMB (between €1,260 and €6,300) for complex treatments.
- The costs of childbirth and maternity costs can vary between 20,000 and 80,000 RMB (between €2,500 and €10,090) in the private sector, depending on the type of care and the establishment chosen. In the public sector, it costs between 5,000 and 15,000 RMB (between €630 and €1,890).
- Dental and optical care are also expensive, with initial consultations starting at 200 RMB (around €24). Treatments can cost several thousand RMB.
Comprehensive expatriate insurance is essential to cover these expenses and avoid unforeseen costs. Similarly, to ensure you receive the highest quality care, you should opt for private hospitals during your expatriation to Asia. Mondassur is here to help you take out expatriate insurance in China.
Repatriation insurance for China
Repatriation insurance is essential for expatriates living in China. In the event of a serious medical problem or accident requiring a return to your home country, repatriation insurance covers the cost of medical transport. This includes the high cost of medical flights and specialized care during transport. Taking out repatriation insurance therefore ensures that you receive the best possible care without worrying about exorbitant costs. This gives you peace of mind during your expatriation.
China, take stock of your vaccinations
Before leaving for China, it’s essential to check your vaccinations. Recommended vaccines include those against :
- Hepatitis A and B
- Typhoid
- Japanese encephalitis
- Rabies
- Tick-borne encephalitis
(especially in the north of the country)
Compulsory vaccines may vary. We therefore advise you to consult your doctor before traveling. Good vaccination coverage protects you against serious diseases and ensures a safe expatriation. Expatriate insurance including pre-travel consultations and vaccinations is a valuable benefit for expatriates. You’ll be able to enjoy some of Asia’s most famous land marks, such as Mount Huang Shan.
Choose Mondassur for your expatriate health insurance in China!
Why take out expatriate insurance?
Taking out expatriate insurance is essential for those moving to China. Although China’s healthcare system is highly developed, there are significant differences with Western systems. Medical expenses can quickly mount up, especially in private hospitals where the quality of care is better. Expatriate health insurance in China provides comprehensive coverage. This includes medical consultations, civil liability, dental and optical care. With the right insurance, you can guarantee peace of mind for you and your family. You’ ll be protected against the unexpected and the high cost of healthcare in China.
Quick and easy subscription
At Mondassur, we’ve simplified the process of buying expatriate insurance. So you can concentrate on your new life in China. Our online procedure is fast and intuitive. In fact, you can get a personalized quote to subscribe online in less than 5 minutes. We guarantee a responsive, multilingual customer service to answer all your questions and help you through the process. Our team of brokers will be delighted to answer your questions. When you choose Mondassur, you benefit from immediate coverage and the ability to tailor your policy to your specific needs. We guarantee you optimum protection from the moment you arrive in China.
A wide choice of warranties
Mondassur offers a wide range of cover to meet the varied needs of expatriates in China. If you’re looking for cover for optical and dental care, third-party liability, personal protection or repatriation insurance , we can help. Our insurances also include specific guarantees such as prevention, 24-hour wellness, and routine medical hospitalization , for example. By choosing our services, you can personalize your insurance. It must meet your expectations and those of your family, ensuring your well-being throughout your stay in China.
