{"id":14317,"date":"2024-05-06T21:56:11","date_gmt":"2024-05-06T13:56:11","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14317"},"modified":"2024-07-25T19:45:45","modified_gmt":"2024-07-25T11:45:45","slug":"img-global-health-coverage-for-expats-in-china","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/img-global-health-coverage-for-expats-in-china.html","title":{"rendered":"IMG Global Expat Health Coverage for China"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">IMG Global Health Insurance offers multiple plans that feature various benefits and coverage areas to help safeguard insured expats in China from potentially overwhelming medical expenses while living overseas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you an expat <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-china\/\"><span style=\"font-weight: 400;\">living in China<\/span><\/a><span style=\"font-weight: 400;\">? Are you looking to safeguard your well-being and finances? In this article, we will go over IMG global health insurance coverage for expats living in China to ensure not only your finances are safeguarded, but also your health and wellbeing.\u00a0<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' 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-72-new.css?v1.47' 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-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\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\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">IMG Global Insurance Overview in China\u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14319 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings.webp\" alt=\"Image of Hong Kong High-Rise Buildings with text overlay of &quot;IMG Global Insurance Overview&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-high-rise-buildings-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.imglobal.com\/\"><span style=\"font-weight: 400;\">IMG<\/span><\/a><span style=\"font-weight: 400;\"> (International Medical Group) is an expat health insurance provider that offers expats and their families medical coverage <\/span><b>worldwide<\/b><span style=\"font-weight: 400;\">. Founded back in 1990, IMG provides health insurance to customers from over 190 countries and offers both travel and international health insurance plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thanks to its wide availability to various nationalities worldwide, <\/span><a href=\"https:\/\/www.imglobal.com\/expat-insurance\"><span style=\"font-weight: 400;\">IMG health insurance is perfect for expats<\/span><\/a><span style=\"font-weight: 400;\"> looking to travel long-term for a year and above or permanently relocate overseas. This is because the various benefits will provide financial protection for expats and their families.\u00a0<\/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;\">Available IMG Global Health Insurance Plans for Expats in China<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Below are the categories available for IMG Global\u2019s health insurance plans:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Bronze\u00a0<\/b><\/li>\n<li aria-level=\"1\"><b>Silver<\/b><\/li>\n<li aria-level=\"1\"><b>Gold<\/b><\/li>\n<li aria-level=\"1\"><b>Platinum<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each of the categories\u2019 lifetime limits are as follows:<\/span><\/p>\n<ul>\n<li aria-level=\"1\"><b>Bronze: <\/b><span style=\"font-weight: 400;\">$1,000,000\/person<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Silver: <\/b><span style=\"font-weight: 400;\">$5,000,000\/person<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Gold: <\/b><span style=\"font-weight: 400;\">$5,000,000\/person<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Platinum: <\/b><span style=\"font-weight: 400;\">$8,000,000\/person<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Notable Benefits of IMG Global Insurance Plans<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">From customizable and worldwide coverage to emergency medical evacuation, IMG Global offers a multitude of benefits in their insurance plans to provide a better experience for their members. Below are the notable benefits of IMG Global Insurance Plans.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Worldwide and Customizable Coverage<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Insurance plans from IMG Global provide worldwide coverage as well as the option for expats to choose their area of coverage. These include worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Thanks to IMG Global\u2019s flexible insurance plans, expats can also customize their coverage by adding optional benefits such as dental or vision care.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Emergency Medical Evacuation<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Available to every IMG member, this benefit safeguards the insured in the event of needing emergency medical evacuation.\u00a0<\/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<h4><span style=\"font-weight: 400;\">Quality Member Support<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">IMG Global members will get access to around-the-clock medical, travel, and security support services as well as an online portal to manage claims and research nearby providers.<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Prescription Drug Coverage<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Every tier of coverage in IMG\u2019s international health insurance plans covers prescription medication.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For further reading on various coverage areas included in the bronze, silver, gold, or platinum plan, please click <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-img-insurance-for-expats.html\"><span style=\"font-weight: 400;\">here<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Cost of IMG Global Insurance for Expats<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14320 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline.webp\" alt=\"Image of Hong Kong City Skyline with text overlay of &quot;The Cost of IMG Global Insurance&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/hong-kong-city-skyline-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The exact cost of your expat health insurance under IMG will depend on the following factors:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Age:<\/b><span style=\"font-weight: 400;\"> As you age, your health insurance coverage fees will also progressively become more expensive due to the increasing risk of health problems over time.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Gender: <\/b><span style=\"font-weight: 400;\">Women, during their child-bearing years, generally pay higher premiums as opposed to men. Meanwhile, due to shorter life expectancy, men typically pay higher premiums as they age.<\/span><\/li>\n<li aria-level=\"1\"><b>Coverage Area:<\/b><span style=\"font-weight: 400;\"> For instance, due to the high cost of healthcare in the US, opting for a coverage area that includes the States will also result in potentially overwhelming premiums.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Payment Frequency: <\/b><span style=\"font-weight: 400;\">Your premiums can vary depending on your payment frequency, whether it\u2019s monthly, quarterly, or semi-annually.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Medical History:<\/b><span style=\"font-weight: 400;\"> To determine an expat\u2019s exact cost of health insurance, the IMG may review your health and medical history during the underwriting process.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Coverage Level:<\/b><span style=\"font-weight: 400;\"> The greater the coverage, the more your health insurance plan will cost. For instance, choosing a plan featuring multiple benefits will result in higher premiums.\u00a0<\/span><\/li>\n<\/ul>\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<h2><span style=\"font-weight: 400;\">What IMG Expat Health Insurance Covers<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The exact areas covered by your selected IMG expat health insurance will vary depending on your selected plan, but below are some of the key benefits provided:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Maternity: <\/b><span style=\"font-weight: 400;\">Included in the platinum global health insurance plan, the maternity benefit under IMG\u2019s expat health insurance covers pre and post-natal care, delivery, and newborn care.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Emergency Evacuation: <\/b><span style=\"font-weight: 400;\">The emergency evacuation benefit covers emergency medical evacuation to the nearest qualified medical facility as well as transportation expenses.<\/span><\/li>\n<li aria-level=\"1\"><b>Emergency Reunion: <\/b><span style=\"font-weight: 400;\">This benefit covers travel and lodging expenses for a relative or friend during an emergency medical evacuation. This is either the cost of accompanying your evacuation or traveling from their home country to reunite with you.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Political Evacuation and Repatriation: <\/b><span style=\"font-weight: 400;\">Available in the platinum plan, this benefit covers transportation fees for evacuating to the nearest place of safety or for repatriation back to your home country or country of residence if you meet certain conditions.<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Pre-Existing Conditions: <\/b><span style=\"font-weight: 400;\">Usually available once you\u2019ve maintained continuous coverage for a certain period, this benefit covers pre-existing conditions (illnesses or injuries you had before signing up for a policy; pregnancy is not considered one) that are excluded by other insurers.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Return of Mortal Remains: <\/b><span style=\"font-weight: 400;\">In the worst-case scenario if a covered illness or injury results in death, this benefit will cover the repatriation of the body\u2019s remains or ashes back to your home country. This benefit also covers preparation, local burial, or cremation at the place of death.\u00a0<\/span><\/li>\n<\/ul>\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<h2><span style=\"font-weight: 400;\">Optional Benefits for IMG Global Health Insurance Plans<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">On top of basics such as inpatient and outpatient care, maternity care, or evacuation, expats also have <\/span><b>the option of adding other benefits<\/b><span style=\"font-weight: 400;\"> to customize their selected IMG Global plans as they would like.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From dental to vision care, below are some of the available additional benefits expats can add on top of their basic IMG Global health insurance plan.<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Dental:<\/b><span style=\"font-weight: 400;\"> An add-on available for bronze, silver, and gold plans, this covers USD $750\/period of coverage with a $50 deductible. Routine care is covered by 90% while minor treatment is 70% covered and major restorative treatment is 50% covered.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Vision: <\/b><span style=\"font-weight: 400;\">An add-on available for bronze, silver, and gold plans, this covers up to USD $100 of eye examination fees and $150 of glasses and lens fees every two years.<\/span><\/li>\n<li aria-level=\"1\"><b>Global term life insurance:<\/b><span style=\"font-weight: 400;\"> This pays a certain amount of money to a policyholder\u2019s beneficiary in the event of the former\u2019s passing while abroad.\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Accidental Death and Dismemberment (AD&amp;D): <\/b><span style=\"font-weight: 400;\">This pays a principal sum (based on an individual\u2019s age at the time of death) in the event of death or severing two body parts (limbs, eyes, etc) and half of the principal sum in case of severing one body part.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Is Expat Health Insurance Required for Expats in China?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Depending on the country, expats will need to take specific healthcare regulations into consideration. Certain countries will require residents to keep their local health insurance plan while others may allow expats to select their own international health insurance plans.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of China, healthcare is free for local citizens and permanent residents. Expats, however, will not be able to access the country\u2019s government-supported public health insurance. Thus, you will need a comprehensive expat health insurance plan.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether or not a country requires expat health insurance, it\u2019s always a good idea to secure a comprehensive expat health insurance plan since certain countries\u2019 healthcare could be overwhelmingly expensive.\u00a0<\/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;\">IMG Global\u2019s Travel Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Offered through IMG Global\u2019s <\/span><b>iTravelInsured<\/b><span style=\"font-weight: 400;\"> plans, their travel insurance plans are available in <\/span><b>Lite, SE, <\/b><span style=\"font-weight: 400;\">and <\/span><b>LX <\/b><span style=\"font-weight: 400;\">forms and are designed to protect expats from financial losses such as flight delays and cancellations, luggage loss, or other unexpected events such as rental car damage or theft.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The Healthcare System in China<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-14321 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background.webp\" alt=\"Image of Stethoscope And Pill-filled Cart On Blue Background with text overlay of &quot;The Healthcare System in China&quot;\" width=\"1300\" height=\"731\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background.webp 1300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background-600x337.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/stethoscope-and-pill-filled-cart-on-blue-background-150x84.webp 150w\" sizes=\"auto, (max-width: 1300px) 100vw, 1300px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">China offers universal healthcare for both local citizens and foreigners. However, coverage can vary between regions. The central government oversees national health legislation and administration, while the local government provides healthcare services.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Since the local government provides healthcare services, certain rural areas may not be able to offer healthcare to expats.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following are basic areas covered by China\u2019s government-provided medical insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Primary and specialist care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental healthcare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Physical therapy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Traditional Chinese medicine<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specific dental services such as dental extractions<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do keep in mind that basic government-provided medical insurance in China will not cover dental cleanings, most optometry services, home care, or durable medical equipment.\u00a0<\/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;\">Chinese Public and Private Healthcare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In China, the quality of public healthcare can vary. For instance, hospitals in Beijing feature modern medical equipment and a full array of medical staff. Meanwhile, rural hospitals can be overcrowded, lacking in staff, or lacking resources and quality care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Private healthcare, however, features more modern, cleaner, less-crowded facilities, and is preferred among expats thanks to its greater quality of care, amenities, and additional benefits. However, the greater care quality and additional benefits come at the cost of higher fees.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Why do expats choose IMG Global?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats choose IMG Global thanks to their exceptional service, comprehensive medical benefits, as well as diverse insurance products. Whether you\u2019re an individual, a family, a business, a student, or a professional, IMG Global has something for everyone seeking international health insurance.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Who would benefit the most from an IMG Global health insurance plan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">IMG Global\u2019s health insurance plan caters to those seeking medical coverage for long-term (a year and above) travel overseas and would benefit expats and digital nomads the most.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do IMG Global health insurance plans have age limits?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Individuals aged 75 years and up will no longer be eligible for coverage. However, if one were to enroll before their 65th birthday and maintain the plan, IMG will offer an alternative for them upon reaching 75 years old: the Global Senior Plan.<\/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;\">In conclusion, IMG global health insurance can not only safeguard expats from potentially expensive medical bills but also ensure their well-being while living in China. Thanks to its wide availability to various nationalities worldwide, IMG is perfect for expats living or relocating overseas.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">From basics such as maternity and pre-existing coverage to emergency evacuation coverage, getting your money\u2019s worth and making the most out of your selected IMG global health insurance plan while living in China is not outside the realm of possibility after all.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Known as a leading international health insurance broker, <\/span><a href=\"https:\/\/www.pacificprime.com\/\"><span style=\"font-weight: 400;\">Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\"> has 20 years of matching both expats and locals to health insurance plans that match both their comfortable budget range as well as their unique healthcare needs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re a local Chinese citizen yourself or an expat living in China, Pacific Prime and our team of specialists are more than happy to help you. And if you have any further questions, please don\u2019t hesitate to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">get in touch with us<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Enjoyed this article? Click the links below to check out our other articles!<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/travel-insurance-in-china.html\"><span style=\"font-weight: 400;\">Travel Insurance in China: Coverage and Considerations<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/international-health-insurance-need-to-know-when-living-abroad.html\"><span style=\"font-weight: 400;\">Living Abroad? What to Know About Health Insurance<\/span><\/a><\/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","protected":false},"excerpt":{"rendered":"<p>IMG Global Health Insurance offers multiple plans that feature various benefits and coverage areas to help safeguard insured expats in China from potentially overwhelming medical expenses while living overseas. Are you an expat living in China? Are you looking to safeguard your well-being and finances? In this article, we will go over IMG global health &#8230;<\/p>\n","protected":false},"author":54,"featured_media":14318,"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-14317","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>IMG Global Expat Health Coverage for China<\/title>\n<meta name=\"description\" content=\"Learn more about IMG Global health insurance coverage for expats living in China in this article by Pacific Prime.\u00a0\" \/>\n<meta name=\"robots\" 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