Health Insurance Plans from AXA for Expats in China

International health insurance, expat health insurance, and medical evacuation and repatriation insurance are among the most popular plans from AXA among expats in China. AXA health insurance policies offer numerous advantages that cater to the specific needs of expats.

While the public healthcare system is available to Chinese citizens and permanent residents, expats often choose international health insurance to overcome language barriers, reduce waiting times, and ensure comprehensive coverage for their medical needs.

Private health insurance coverage fills the gaps left by the public system, providing comprehensive coverage for primary care, specialty care, hospitalization, mental health care, prescription drugs, and more. With private health insurance, expats can access the best medical services in China.

AXA International Health Insurance for Expats in China

With AXA‘s international health coverage, you can have peace of mind knowing that your healthcare needs are taken care of while you explore and experience life in China. If you’re planning to live in China for less than one year, AXA offers short-term international health insurance for your needs.

Main Features of AXA International Health Insurance

Whether you reside in a foreign country or frequently go on international travels, international health insurance (IHI) provides you with peace of mind. AXA’s IHI offers comprehensive coverage for both unexpected emergencies and regular healthcare needs. The main features of AXA’s IHI plans include:

• Medical Cover: AXA’s international health insurance provides coverage for both emergency and routine healthcare. From mental health support to emergency surgery, you can rely on comprehensive medical coverage from AXA.
• Virtual Doctor Service: With this, you have access to international specialist and expert care wherever and whenever you need it. Consult with a real doctor through video consultation or over the phone for convenient and timely access to medical advice.
• Quick Payouts: AXA understands the importance of timely reimbursements. Over 80% of eligible claims are paid within 48 hours, as long as all the necessary information is provided.
• Independent Second Medical Opinion: When you find yourself uncertain, you have the option to seek an unbiased second medical opinion from renowned global experts. This valuable service is included in all of AXA’s plans.
• Evacuation and Repatriation is Standard: If local assistance is unavailable during an emergency, AXA’s dedicated team will make arrangements for your safe evacuation and repatriation.
• Dedicated Mind Health Service: You will have access to a specialized platform for comprehensive mind health support so that you can connect with fully qualified psychologists from anywhere around the globe.
• Round-the-Clock Personal Support from Experienced Professionals: AXA’s compassionate and multilingual team is available 24/7 to provide personalized assistance. AXA will treat you as an individual, not just a case number.

Different Cover Levels

AXA offers the Foundation, Standard, Comprehensive, Prestige, and Prestige Plus coverage levels to suit the diverse needs of expats in China. The following table provides an overview of the different cover levels available:

AXA Expat Health Insurance for China

Expat health insurance from AXA offers comprehensive coverage for expats living and working in China. Unlike IHI, expat health insurance only offers coverage in specified countries. Expat health insurance typically carries lower premiums for the same level of coverage compared to IHI.

Main Features of AXA Expat Health Insurance

To make your stay in China as smooth and worry-free as possible, AXA offers the following services across all of its expat health insurance plans for China:

• Expert Medical Care: AXA provides fast access to expert medical care, ensuring you receive the necessary treatment and support, from routine check-ups to lengthy hospital stays.
• Multilingual Support: AXA’s team of multilingual experts is available 24/7 to provide personalized support. Whether you need assistance with your policy or want to make a claim, they are there to help.
• Virtual Doctor Service: With AXA’s Virtual Doctor service, you can conveniently book a medical consultation with a real doctor over the phone or through video chat. This service is available at a time that suits you, no matter where you are in China.
• Quick Reimbursement: AXA aims to settle over 80% of eligible claims within 48 hours, provided they have all the necessary information. This ensures that you receive prompt reimbursement for your medical expenses.
• Evacuation and Repatriation: If you require treatment that is not available locally in an emergency, AXA will arrange for your evacuation to a suitable facility and cover the costs of repatriation.

Moreover, all expat health insurance plans from AXA offer dedicated cancer support, mental health support, optional dental coverage, second medical opinions, coverage for overnight hospital stays, ambulance usage, CT, MRI, and PET scans, and surgeries, and 24/7 support over the phone or online.

AXA Medical Evacuation & Repatriation Insurance for Expats in China

When you’re living abroad, it may become medically necessary to transport you to a medical facility that is farther away or even back to your home country. That’s why AXA offers medical evacuation (medevac) insurance as part of its comprehensive coverage for expats in China.

Main Features of AXA Medical Evacuation & Repatriation Insurance

With support available 24/7, multiple transportation options to meet the specific needs of the client, and an overall benefit allowance that is unaffected by the use of emergency transportation services, AXA’s medevac plans not only ease the financial pressure but also provide meaningful support:

• Evacuation and Repatriation Services: You can have peace of mind knowing that if it becomes medically necessary, AXA will organize and cover the costs of transporting you to a suitable medical facility.

Whether it’s a nearby city or even another country, AXA ensures your safe transportation to receive the required medical care. Moreover, once you are ready, AXA will arrange your return to your place of residence.

• Accessible and Comfortable Transportation: AXA prioritizes your comfort and convenience during medical transportation. Whether you need a taxi, flight, or air ambulance, AXA will assist in arranging the most suitable means of transport based on your specific needs.
• Prompt Assistance in Emergencies: AXA’s dedicated team is available 24/7 to provide immediate assistance and support. They will act swiftly to arrange evacuation and repatriation services, ensuring that you receive the necessary medical attention without any delays.
• No Impact on Benefit Allowance: AXA recognizes the potential financial burdens associated with evacuation and repatriation. Therefore, they do not deduct these costs from your overall benefit allowance.

You can have peace of mind knowing that your insurance coverage remains intact for other medical expenses while AXA takes care of your evacuation and repatriation needs.

Frequently Asked Questions

What is short-term international health insurance (IHI) and who is it for?

Short-term IHI is an IHI plan that expires within one year after it comes into effect and is for people spending less than one year abroad. A short-term IHI plan may be renewable, and some insurers allow the conversion of such a plan into a “regular” IHI plan provided certain requirements are met.

Why do I need to secure medevac insurance if my IHI plan already provides medical evacuation coverage?

A separate medevac plan often provides higher limits, and more elaborate services and support compared to the medical evacuation coverage of a travel insurance or IHI plan. Moreover, claims made under a medevac plan do not affect your IHI plan’s overall benefit allowance.

Will my pre-existing medical conditions be covered by my IHI plan?

Different insurers have different approaches; some will exclude coverage for pre-existing conditions; others may cover them at a premium surcharge or after a waiting period is over; some may impose a limit on the insurance payout, or raise the copayment and/or deductible of the IHI policy.

Conclusion

In this article, we elaborated on three popular categories of health insurance from AXA for expats in China. We explained what protections these plans are designed to provide, and who these plans are for. We trust you are now sufficiently familiar with these great plans from AXA.

In addition to international health insurance, expat health insurance, and medevac insurance, other types of insurance that many expats in China secure to protect themselves against the uncertainties of life include family health insurance, maternity insurance, and travel insurance.

Even though AXA offers many great plans, it is by no means the only insurer offering great plans for expats in China. NOW and Allianz are two other examples of insurers offering great health insurance plans for expats in China.

That explains why it is always beneficial to use an experienced brokerage like Pacific Prime for your insurance needs. Our 20+ years of experience and intimate knowledge of insurance products enable us to find the plan that truly serves your needs and represents the best value for money.

In addition, you can have our advice and support at no extra cost compared to buying coverage directly from an insurer. The value of this support is most obvious when our client needs to make a claim because we can help level the playing field and ensure a fair outcome for our client.

So contact us for a consultation or quote, or a free, no-obligation plan comparison today!

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Martin Lee

Content Creator at Pacific Prime

Martin is a writer and translator with over 10 years of experience. He writes articles and blog posts, creates infographics and videos, translates between Chinese and English, and more. Skilled at explaining complicated concepts in layman’s terms, Martin believes the gold standard of translation is attained when the translated text is not only accurate, but also reads like an original text. Martin holds a degree in Economics from the University of London, UK.

Since joining Pacific Prime, Martin has become even more aware of the gap between the true value of insurance products and most people’s appreciation of it, and developed a passion for demystifying and simplifying matters, so that more people get the protection they need at a cost they can easily afford.

In his free time, Martin attends concerts of various genres, and plays the violin with piano accompaniment he pre-recorded himself or played live by his niece.

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