{"id":14277,"date":"2024-05-03T03:10:51","date_gmt":"2024-05-02T19:10:51","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14277"},"modified":"2026-04-16T12:44:38","modified_gmt":"2026-04-16T04:44:38","slug":"choose-best-health-insurance-expats-china","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/choose-best-health-insurance-expats-china.html","title":{"rendered":"How to Choose the Best Health Insurance for Expats in China: A Comparative Analysis"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Start your health insurance search in China by understanding what types of coverage are available and identifying which coverage is best for your situation as an expat. It\u2019s also helpful to familiarize yourself with the insurance companies so you can select one that feels like the best fit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you trying to decide what health insurance plan you need as an expat in China? Perhaps you have already looked at a few plans and need help deciding.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Keep reading because <\/span><b>there\u2019s so much more to choosing the best <\/b><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-china\/\"><b>international health insurance in China<\/b><\/a><b> than the cost of premiums<\/b><span style=\"font-weight: 400;\">. Not all coverage is the same! Don\u2019t worry\u2014help analyzing insurance plans is right here.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This Pacific Prime article will highlight the benefits of working with a broker, explain the different coverage types for expat health insurance in China, and point out some of the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-international-insurance-china.html\"><b>top-rated international health insurance providers for expats in China<\/b><\/a><span style=\"font-weight: 400;\">. You\u2019ll also get some helpful guidance for comparing plans.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Choose the Best Health Insurance as an Expat in China<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14279 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china.webp\" alt=\"Image of Exterior View Of Park Hyatt Beijing Hotel, China with text overlay of &quot;Best Health Insurance for Expats in China&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/exterior-view-of-park-hyatt-beijing-hotel-china-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">You need to know what types of coverage are necessary to choose the best health insurance for an expatriate in China. You will also need to consider how high of a deductible you can afford and the geographical areas you need coverage. Then you can compare plans for the best medical insurance.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Working with an International Insurance Broker for Coverage in China<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Comparison shopping for international health insurance in China and abroad is much easier with an insurance broker. Insurance broker services do not cost expatriates a single penny, but the broker\u2019s advice and ability to find and compare multiple plans are invaluable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each broker may also offer additional services. For example, Pacific Prime has a dedicated claims support team and a <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">free online plan comparison tool<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact an insurance expert for personalized advice at any point<\/span><\/a><span style=\"font-weight: 400;\">. Keep reading to become familiar with the different types of coverage available. We\u2019ll also point you to additional tips, tricks, and resources for understanding health insurance options in China.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-25' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_1.jpg\" alt=\"Blog Banner China 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Identifying Coverage Needs for Living Abroad in China<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You need to identify your health insurance needs while living abroad in China. Every expat health insurance plan has its own coverage, deductible, and exclusions. Do you need basic coverage or comprehensive coverage? Will you need maternity, dental, and\/or optical insurance?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will explain these coverage options and help expats determine which coverage selections meet their needs.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Basic Health Insurance Coverage for Expats in China<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Basic health insurance coverage for expats in China typically includes inpatient medical expenses only. This means that day-to-day minor medical expenses are paid out-of-pocket by the expat, and only major medical expenses that require hospitalization would be covered by insurance.<\/span><\/p>\n<p><b>The benefit of selecting a plan with very basic coverage is that the premiums are very affordable.<\/b><span style=\"font-weight: 400;\"> Many expats with basic-coverage-only plans will pay less than USD $100 per month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The risk is that the cost of outpatient medical expenses can add up quickly. So, even if you don\u2019t expect to need a doctor frequently while in China, you could face exorbitant medical bills that aren\u2019t covered by a basic health insurance plan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Comprehensive Health Insurance Coverage for Expats in China<\/span><\/h3>\n<p><b>Comprehensive health insurance for expats covers inpatient and outpatient medical expenses according to the policy terms.<\/b><span style=\"font-weight: 400;\"> Some comprehensive health insurance plans cover preventative medicine like check-ups and vaccinations, and other plans exclude these.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can check the plan\u2019s policy or ask your insurance broker to help you understand whether preventative medical expenses are covered under a particular plan.<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/proactive-health-strategies-expats-china.html\"><span style=\"font-weight: 400;\">Get more tips for staying healthy in China with this blog post<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-60' style='margin: 8px 0; clear: both;'>\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner.css?ver4.1' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-container {\n    background-image: url('https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner  \/img\/blog-banner-china-bg.png');\n\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner China -->\n<div class=\"banner-insurers-container\" style=\"background-image: url(https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/blog-banner-china-bg-mobile.png);\n\">\n  <h3 class=\"banner-insurers-title\">\n      Our Top Insurance Recommendations <span>for China<\/span>\n  <\/h3>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"bupa\" width=\"130\" height=\"130\" style=\"width: 50px; height: 50px;\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-msh.png\" alt=\"MSH\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>24\/7 Member Support<\/li>\n          <li>Vast Medical Network<\/li>\n          <li>Customizable Benefits<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a class=\"banner-insurers-link\" href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card\">\n      <div class=\"banner-insurers-card-image\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\" alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n        Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div>\n<!-- Blog Banner China ends --><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Dental and Optical Coverage for Expats in China<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Dental and optical expenses may be covered under a comprehensive health insurance plan in China, or these coverage options may be available as an additional rider on the policy. Be aware that many <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/dental\/\"><span style=\"font-weight: 400;\">expat plans with dental coverage<\/span><\/a><span style=\"font-weight: 400;\"> have a brief waiting period before coverage begins.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A waiting period is the length of time your insurance company collects premiums but does not provide coverage for a particular expense. Waiting periods help insurance companies keep premium costs down by offsetting the potential expenses of new clients.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Maternity Health Insurance in China for Expats<\/span><\/h3>\n<p><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">Maternity health insurance<\/span><\/a><span style=\"font-weight: 400;\"> covers pregnancy and delivery, and <\/span><b>expat maternity coverage has a waiting period<\/b><span style=\"font-weight: 400;\">. That means that expats who want to start or grow their families while living in China need to select and sign up for maternity coverage before becoming pregnant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats in China can enjoy <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-international-insurance-china.html\"><span style=\"font-weight: 400;\">maternity coverage waiting periods as short as 180 days<\/span><\/a><span style=\"font-weight: 400;\">. That\u2019s a bargain since many plans around the world require a waiting period of up to two years before coverage begins.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pre-Existing Condition Coverage for Expats in China<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Pre-existing coverage for expats in China is best secured through an employer or a large group policy because insurance companies waive medical history qualifications for large groups. On an individual expat health insurance policy, pre-existing condition coverage has to be approved by underwriters.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For additional information on securing <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/pre-existing\/\"><span style=\"font-weight: 400;\">pre-existing condition coverage abroad, check out this resource from Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> and\/or <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact an advisor today<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-27' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_3.jpg\" alt=\"Blog Banner China 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Deductible and Co-insurance Options for Expats<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats in China have a lot of options for deductibles and copays\/coinsurance. $0 deductible plans are available from multiple insurers. You\u2019ll pay more for a $0 deductible plan in premiums but save money at the hospital or clinic, especially if you receive lots of medical care.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re healthy and don\u2019t plan on needing much medical care, you can select a higher deductible plan and save money on premiums. As long as you can cover the deductible, you could save a lot of money that way.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Prescription Drug Coverage for Expats in China<\/span><\/h3>\n<p><b>Be aware that most expat health insurance plans have an annual limit on benefits for prescription drug coverage.<\/b><span style=\"font-weight: 400;\"> Check the policy for more information about outpatient and inpatient prescription drug coverage while living in China.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The good news is that most prescriptions are more affordable abroad than in the United States. However, to avoid high out-of-pocket costs, you may want to choose a plan with a very high benefit limit for prescription drugs.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16776960},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-28' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_4.jpg\" alt=\"Blog Banner China 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Finding the Top-Rated International Health Insurance Companies<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14280 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china.webp\" alt=\"Image of Panoramic Skyline Of Shanghai, China with text overlay of &quot;International Health Insurance Companies&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/panoramic-skyline-of-shanghai-china-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">In addition to the policy\u2019s exclusions, coverage options, and premiums, expats in China need to know how insurance carriers compare to one another. Health Insurance companies have their own networks and customer service experiences. Find one of the top-rated companies for a better experience.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The 11 best international health insurance companies in China include\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Allianz<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NOW Health International<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AXA<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GeoBlue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MSH International<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IMG Global<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">April International<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ping An<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bupa<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ICBC-AXA<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">For more information about the highlights of each of the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-international-insurance-china.html\"><span style=\"font-weight: 400;\">11 best insurance companies, click here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-75' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-banner_V2_China.png\" alt=\"Insurers recommendation blog banner China v2\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<!-- Blog Banner Stylesheet Import -->\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/css\/m-blog-banner-v2.css?ver5.2' type='text\/css' media='all'\/>\n<style>\n@media (min-width: 1200px) {\n  div.banner-insurers-card-content-v2 ul {\n    margin-top: auto;\n    margin-bottom: auto;\n  }\n}\n<\/style>\n<!-- Blog Banner Stylesheet Import ends -->\n<!-- Blog Banner China - v2 -->\n<div class=\"banner-insurers-container-v2\">\n  <h3 class=\"banner-insurers-title-v2\">\n      Our Top Insurance Recommendations for China\n  <\/h3>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" class=\"msh\" width=\"110\" height=\"110\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-msh.png\"\n            alt=\"MSH\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>24\/7 Member Support<\/li>\n          <li>Vast Medical Network<\/li>\n          <li>Customizable Benefits<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n  <a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\">\n    <div class=\"banner-insurers-card-v2\">\n      <div class=\"banner-insurers-card-image-v2\">\n        <img loading=\"lazy\" decoding=\"async\" width=\"130\" height=\"130\"\n            src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/img\/logo-cigna.png\"\n            alt=\"Cigna\">\n      <\/div>\n      <div class=\"banner-insurers-card-content-v2\">\n        <ul>\n          <li>Worldwide Coverage (excluding the US)<\/li>\n          <li>Access to Cigna's trusted global network of hospitals and doctors<\/li>\n          <li>4 Core Insurance Plans<\/li>\n        <\/ul>\n        <button class=\"banner-insurers-card-button-v2 CompareNowbutton chirecbutton\" onclick=\"window.location.href='https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog';\">\n          Get a Quote NOW\n        <\/button>\n      <\/div>\n    <\/div>\n  <\/a>\n<\/div><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Comparing Quotes for Expat Health Insurance in China<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The fastest way to find and compare quotes for expat health insurance in China is to use a comparison tool that searches available plans and displays all the plans that meet your search parameters. From there, you can click on specific plans to find more details about the plan.<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To begin comparing plans, <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">enter your information in the quote generator<\/span><\/a><span style=\"font-weight: 400;\">. The more information you provide, the more reliable and helpful the quotes will be.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At a minimum, you will need to provide the desired country of coverage, your age, and gender. You may also select the types of coverage you\u2019re seeking: inpatient, outpatient, dental, and maternity.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Add additional family members seeking coverage, if applicable.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">During the next step, you\u2019ll also indicate which country is your home country.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">From there, you can sort plans based on the insurance carrier, premium cost, annual benefit limits, deductibles, and more.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Clicking on each insurance offer in the results will provide details about outpatient, inpatient, and maternity coverage. The expandable information in the plan details will also indicate whether or not preventative medical expenses are included in coverage.<\/span><\/li>\n<\/ol>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">To watch a video tutorial for the quote generator, click here<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can you use Medicare in China?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">US Medicare does not cover medical expenses in China because Medicare is only applicable in the United States and its territories. Medicare cannot be used for any medical expenses abroad. You will need to <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">secure travel or expat health insurance<\/span><\/a><span style=\"font-weight: 400;\"> for medical expense coverage abroad.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How much does health insurance in China cost for expats?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Premiums for basic expat health insurance can be under USD $100 monthly. More comprehensive plans may cost up to several hundred dollars per month, depending on coverage selections and the policyholder&#8217;s geographic coverage area.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can expats get health insurance in China?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats have many <a href=\"https:\/\/www.pacificprime.com\/blog\/healthcare-access-china-expats.html\">private international health insurance options in China<\/a>. Plans can cover China and the surrounding countries only or the entire world, including or excluding the United States. Legal residents in China have options through the public healthcare system as well.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-29' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_5.jpg\" alt=\"Blog Banner China 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats can choose from many high-quality, customer-oriented international insurance providers for insurance in China. Basic to comprehensive coverage is available depending on your budget and needs. Be aware of other policy information to help you find and compare insurance quotes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Don\u2019t forget that working with an insurance broker will make finding and comparing plans much easier! For assistance, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact an insurance expert at Pacific Prime online<\/span><\/a><span style=\"font-weight: 400;\"> or by calling 1-800-868-1451.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more information about the <a href=\"https:\/\/www.pacificprime.com\/blog\/expat-health-insurance-regulations-china.html\">insurance regulations in China, check out this blog post from Pacific Prime<\/a>.<\/span><\/p>\n<p><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:14915,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:65280},&quot;9&quot;:0,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:255},&quot;15&quot;:&quot;Arial&quot;,&quot;16&quot;:8}\"><div class='code-block code-block-26' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_2.jpg\" alt=\"Blog Banner China 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Start your health insurance search in China by understanding what types of coverage are available and identifying which coverage is best for your situation as an expat. It\u2019s also helpful to familiarize yourself with the insurance companies so you can select one that feels like the best fit. Are you trying to decide what health &#8230;<\/p>\n","protected":false},"author":54,"featured_media":14278,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-14277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Choose the Best Health Insurance for Expats in China: A Comparative Analysis<\/title>\n<meta name=\"description\" content=\"Learn how to compare and analyze plan options to choose the best international health insurance plan for your situation as an expat in China.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/choose-best-health-insurance-expats-china.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose the Best Health Insurance for Expats in China: A Comparative Analysis\" \/>\n<meta property=\"og:description\" content=\"Learn how to compare and analyze plan options to choose the best international health insurance plan for your situation as an expat in China.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/choose-best-health-insurance-expats-china.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta 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