{"id":14530,"date":"2025-08-05T22:36:09","date_gmt":"2025-08-05T14:36:09","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=14530"},"modified":"2025-08-06T01:06:50","modified_gmt":"2025-08-05T17:06:50","slug":"international-insurance-in-shanghai","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/international-insurance-in-shanghai.html","title":{"rendered":"Six Best International Insurance Providers in Shanghai"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Cigna, Allianz, GeoBlue, MSH International, NOW Health, and William Russell are among the best international insurance providers for expats in Shanghai. These companies offer comprehensive health coverage with customizable benefits, giving access to top private hospitals and multilingual medical staff. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">For expats living in Shanghai, choosing the right provider is essential to ensure quality care and financial protection. This guide highlights the top six international insurance companies in the city, their plan options, and the key benefits they offer so you can select the coverage that best fits your needs. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">We will explain who the top six international insurance providers are in Shanghai, and share their plan and coverage details. We will also share some of the key factors you should consider when selecting an <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-china\/\"><span style=\"font-weight: 400;\">international insurance plan in China.<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/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;\">Top International Health Insurance Providers in Shanghai \u00a0<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-23604 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day.webp\" alt=\"Image of Skyscrapers Along The River In Shanghai On A Sunny Day with text overlay of &quot;Top International Health Insurance Providers in Shanghai&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/skyscrapers-along-the-river-in-shanghai-on-a-sunny-day-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">The top six international insurance companies in Shanghai are:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cigna Global<\/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;\">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;\">NOW Health<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">William Russell\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These international insurance providers offer many different insurance solutions for expats in Shanghai, from health to travel insurance. We will detail more of these six insurance providers and their plans below.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Cigna Global Health Insurance Plans in Shanghai<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Cigna Global is one of the best international insurance providers in Shanghai due to their extensive network and comprehensive coverage. They offer individual, family, and business healthcare plans with customizable benefits.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cigna Global is the largest international health insurance provider on the market, with a worldwide network of 1.5 million hospitals and healthcare professionals. They offer 24\/7 customer support to their members, with over 50 languages available.\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<h4><span style=\"font-weight: 400;\">Cigna Global Plan Options and Benefits<\/span><\/h4>\n<p><b>Silver, Gold, Platinum<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Close Care <\/b><span style=\"font-weight: 400;\">are the four core health insurance plans offered by Cigna Global. Silver, Gold, and Platinum plans can be purchased with coverage in the US, or without coverage in the US. Close Care only covers you in your home country and your current country of residence.\u00a0<\/span><\/p>\n<p><b>The annual limits for each plan are:\u00a0<\/b><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Silver: <\/b><span style=\"font-weight: 400;\">USD $1,000,000<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Gold: <\/b><span style=\"font-weight: 400;\">USD $2,000,000<\/span><b>\u00a0<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Platinum: <\/b><span style=\"font-weight: 400;\">Unlimited<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Close Care: <\/b><span style=\"font-weight: 400;\">USD $500,000<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Cigna Global Coverage Details<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Cigna Global offers varying coverage options and limits across its four plans. Their more comprehensive plans, Gold and Platinum, offer maternity benefits. Every plan except Close Care offers optional outpatient benefits and dental and vision coverage.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits shared across all plans are:\u00a0<\/b><\/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;\">Cancer Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mental Health Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Private Hospital Room Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple Deductible Options<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Global Health Assistance<\/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<h3><span style=\"font-weight: 400;\">Allianz International Health Insurance in Shanghai<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Allianz is one of the best international insurance companies for expats in Shanghai because of its various insurance solutions for individuals, families, and employers. As a leading insurance provider, they offer services in 75 countries and over 50 languages.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Allianz works with <\/span><a href=\"https:\/\/www.jdallianz.com\/\"><span style=\"font-weight: 400;\">Allianz Jingdong General Insurance Company Ltd.<\/span><\/a><span style=\"font-weight: 400;\">, to provide expats in China with its comprehensive international health insurance solutions.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Allianz Plan Options and Features<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Allianz offers three health insurance plans for expats in Shanghai: <\/span><b>Diamond Plus, Diamond Prime, <\/b><span style=\"font-weight: 400;\">and <\/span><b>Diamond Care<\/b><span style=\"font-weight: 400;\">. These plans differ in benefits offered and coverage limits.\u00a0<\/span><\/p>\n<p><b>The annual limits for these plans are:\u00a0<\/b><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Diamond Plus: <\/b><span style=\"font-weight: 400;\">USD $2,600,000<\/span><\/li>\n<li aria-level=\"1\"><b>Diamond Prime:<\/b><span style=\"font-weight: 400;\"> USD $1,300,000<\/span><\/li>\n<li aria-level=\"1\"><b>Diamond Care: <\/b><span style=\"font-weight: 400;\">USD $500,000<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">After choosing your preferred core plan, you will be prompted to choose any optional plans you would like. These optional plans offer additional benefits to further customize coverage. These plans include the Outpatient, Dental, Health and Wellbeing, and Maternity plan.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After choosing your core plan and any optional plan, you can then choose your preferred geographical area of coverage. The available options are worldwide, worldwide excluding the USA, and Greater China coverage. Greater China includes Mainland China, Hong Kong, Macau, and Taiwan.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Allianz Coverage Benefits<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Allianz\u2019s core plans vary in coverage, but there are basic benefits that come with every plan. These benefits include fully covered cancer care and other inpatient treatment benefits.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits included in all plans are:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-patient Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Oncology Services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ Transplant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation Treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Repatriation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Semi-Private Rooms for Hospital Stays (Diamond Care)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fully Private Rooms for Hospital Stays (Diamond Prime &amp; Plus)\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The optional plans that can be added to the core Diamond plans offer coverage for outpatient, dental, well-being, and maternity services. Not every optional plan can be added to any core plan, as the Dental Plan and Maternity Plan are <\/span><b>not available<\/b><span style=\"font-weight: 400;\"> for the Diamond Care plan.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">MSH International Health Insurance in Shanghai\u00a0<\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-23606 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water.webp\" alt=\"Image of Shanghai Skyline At Night With Skyscrapers Reflecting On The Water with text overlay of &quot;MSH International Health Insurance in Shanghai&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/shanghai-skyline-at-night-with-skyscrapers-reflecting-on-the-water-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">MSH International is one of the top international insurance providers in Shanghai because of its inclusive coverage, 24\/7 expat support, and vast medical network. The medical network spans over one million healthcare providers worldwide.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">MSH International Plan Options and Tiers<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">MSH International provides international health insurance through its<\/span><b> First\u2019Expat+ <\/b><span style=\"font-weight: 400;\">plan. This plan comes in four different options: <\/span><b>Hospi, Health, Health+, and Health+Child<\/b><span style=\"font-weight: 400;\">. The most comprehensive of the plan options is the Health+Child.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each of these plan options can be customized into different coverage tiers: <\/span><b>Quartz, Pearl, Sapphire, and Diamond<\/b><span style=\"font-weight: 400;\">. Quartz offers the more basic coverage, while Diamond is the most comprehensive.\u00a0\u00a0<\/span><\/p>\n<p><b>The annual limits for these plans are:\u00a0<\/b><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Quartz: <\/b><span style=\"font-weight: 400;\">USD $625,000<\/span><\/li>\n<li aria-level=\"1\"><b>Pearl: <\/b><span style=\"font-weight: 400;\">USD $1,250,000<\/span><\/li>\n<li aria-level=\"1\"><b>Sapphire: <\/b><span style=\"font-weight: 400;\">USD $2,000,000<\/span><\/li>\n<li aria-level=\"1\"><b>Diamond: <\/b><span style=\"font-weight: 400;\">USD $3,750,000<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition to its international health insurance, MSH International offers its<\/span><b> Start\u2019Expat <\/b><span style=\"font-weight: 400;\">plan. This plan provides <\/span><b>short-term travel insurance<\/b><span style=\"font-weight: 400;\"> that includes basic medical service coverage, emergency assistance, and travel insurance benefits to cover things such as lost luggage.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">MSH International Coverage Highlights<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Each category of the First\u2019Expat+ plan offers different levels of coverage. In the Hospi plan, expats can find basic hospitalization coverage. Meanwhile, the Health+Child plan offers maternity benefits perfect for expats looking to start a family.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits included in all plans are:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospital Room coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Intensive Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Laboratory Tests, MRI, X-rays, Scans, Tomography<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalized Emergency Dental Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer Treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Care Following Covered Hospitalization<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Assistance and Evacuation\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<h3><span style=\"font-weight: 400;\">William Russell Health Insurance for Expats in Shanghai<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">William Russell is a popular insurance choice for expats in Shanghai due to its international coverage and excellent member support. It provides insurance to members from over 150 countries worldwide.\u00a0\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">William Russell Plan Options and Limits \u00a0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">William Russell offers expats in Shanghai four standard health insurance plans: <\/span><b>Bronze, SilverLite, Silver, and Gold<\/b><span style=\"font-weight: 400;\">. Coverage limits and benefits in these plans vary, with Gold offering the most comprehensive healthcare coverage.\u00a0<\/span><\/p>\n<p><b>The annual limits for these plans are:\u00a0<\/b><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Bronze: <\/b><span style=\"font-weight: 400;\">USD $1,500,000\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Silver Lite: <\/b><span style=\"font-weight: 400;\">USD $1,500,000\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Silver: <\/b><span style=\"font-weight: 400;\">USD $2,000,000\u00a0<\/span><\/li>\n<li aria-level=\"1\"><b>Gold:<\/b><span style=\"font-weight: 400;\"> USD $5,000,000\u00a0<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">William Russell Coverage Benefits<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">The coverage limits and benefits vary across William Russell\u2019s plans, with Gold offering the most comprehensive care and SilverLite the most basic. Additionally, their Bronze plan does not offer basic dental coverage.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits included in all plans are:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hospitalization Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Ward Treatment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency Medical Evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation of Mortal Remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer Treatment<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">William Russell members can choose their preferred zone of geographical coverage for their plans. It is important to note that William Russell does not cover the United States except for short-term optional coverage, which can only cover short-term trips that add up to a total of 45 days.\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<h3><span style=\"font-weight: 400;\">GeoBlue Health Insurance in Shanghai\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">GeoBlue is a leading international insurance provider in Shanghai that offers expats comprehensive coverage and outstanding member support. It is especially popular with expats from the United States, as it offers exclusive benefits for US citizens.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">GeoBlue offers both long-term and short-term insurance solutions for expats abroad. Their travel insurance and international health insurance can cover individuals, groups, families, students, and others.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">GeoBlue Plan Categories and Coverage Limits<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">GeoBlue offers long-term international health insurance through its <\/span><b>Xplorer <\/b><span style=\"font-weight: 400;\">plans. Xplorer plans come in two categories: <\/span><b>Xplorer Essential <\/b><span style=\"font-weight: 400;\">and <\/span><b>Xplorer Premier<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Xplorer Essential does not automatically include the USA in its geographical area of coverage like Xplorer Premier. However, an add-on option that includes basic US coverage can be purchased for the Essential plan.\u00a0<\/span><\/p>\n<p><b>The annual limits for these plans are:\u00a0<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Xplorer Premier: <\/b><span style=\"font-weight: 400;\">Unlimited<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Xplorer Essential (With US Basic Coverage Add-on): <\/b><span style=\"font-weight: 400;\">USD $1,000,000<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">GeoBlue also has its <\/span><b>Voyager <\/b><span style=\"font-weight: 400;\">and <\/span><b>Trekker <\/b><span style=\"font-weight: 400;\">plans for expats seeking travel medical insurance coverage. Voyager offers single-trip coverage, whereas Trekker offers multi-trip coverage.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">GeoBlue Coverage Highlights<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">GeoBlue\u2019s Xplorer plans offer comprehensive coverage for their members, with extensive inpatient benefits and more. While coverage limits and benefits may vary across the two plans, they share some similar standard benefits.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits included in both the Xplorer plans are:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Outpatient Surgery\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Diagnostic X-Ray and Lab Work<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-Hospital Doctor Visits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Surgery\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ\/Tissue Transplants<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Medical Emergencies<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Mental Health and Substance Abuse<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inpatient Drugs Coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ambulance Coverage<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">Now Health International Insurance in Shanghai<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Now Health International is one of the best international insurance providers in Shanghai because of its extensive coverage, transparency, and helpful member support. It has a regional service center in Shanghai, which makes it more easily accessible for expats in the city.\u00a0<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">Now Health WorldCare Plan Options<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">Now Health International provides expats in Shanghai the choice of international health insurance coverage through their <\/span><b>WorldCare <\/b><span style=\"font-weight: 400;\">plans. The WorldCare plans were designed to offer members in Shanghai comprehensive and affordable care.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The WorldCare plans are available in four categories:<\/span><b> Essential, Advance, Excel, <\/b><span style=\"font-weight: 400;\">and <\/span><b>Apex.<\/b><span style=\"font-weight: 400;\"> Essential is the most basic of the plan options, with Apex offering the most extensive benefits.\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>WorldCare Essential: <\/b><span style=\"font-weight: 400;\">USD $2,500,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>WorldCare Advance: <\/b><span style=\"font-weight: 400;\">USD $3,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>WorldCare Excel: <\/b><span style=\"font-weight: 400;\">USD $3,400,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>WorldCare Apex: <\/b><span style=\"font-weight: 400;\">USD $3,800,000<\/span><\/li>\n<\/ul>\n<h4><span style=\"font-weight: 400;\">Now Health Coverage Benefits<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">WorldCare offers coverage for inpatient services across all the categories of plans and offers financial support for where you need it most. WorldCare Essential offers the most basic coverage, with the option to add outpatient treatment coverage.\u00a0<\/span><\/p>\n<p><b>Some of the standard benefits included across all categories of plans are:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-patient Care<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Organ Transplant<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical Emergency Evacuation\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repatriation Mortal Remains<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rehabilitation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancer Treatment<\/span><\/li>\n<\/ul>\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<h2><span style=\"font-weight: 400;\">How to Choose the Right International Insurance in Shanghai\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats in Shanghai looking for international insurance should choose providers thoughtfully by reviewing and comparing their coverage options, customer service and member support, reputation, and price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you have a <a href=\"https:\/\/www.pacificprime.com\/blog\/jobs-in-shanghai-for-expats.html\">job in Shanghai<\/a> for a Chinese employer, you may qualify for a public health insurance policy. However, public health insurance coverage is limited and will only grant you access to public hospitals, which can lack English-speaking staff.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With an international health insurance provider, you can help keep your <a href=\"https:\/\/www.pacificprime.com\/blog\/shanghai-life-for-expats.html\">life in Shanghai<\/a> stress-free. An international insurance plan will grant you access to the <a href=\"https:\/\/www.pacificprime.com\/blog\/expat-hospitals-shanghai.html\">best private hospitals in Shanghai<\/a>, with access to the best equipment, quality of care, and multilingual staff China has to offer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019d like advice and guidance in selecting a plan, feel free to <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact an insurance expert like Pacific Prime<\/span><\/a><span style=\"font-weight: 400;\">. We have years of experience in the industry and can help you understand all the terms and conditions and exclusions in any insurance plan.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions:\u00a0<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can expats purchase international health insurance while in China?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats can purchase international health insurance in China from providers like Cigna, Allianz, and more. Purchasing an international health policy can help support them during their time in China and grant them access to private healthcare facilities.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does Allianz Care offer coverage in China?\u00a0<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Allianz Care offers international healthcare coverage to expats in China. They offer core health insurance plans, with the ability to customize them with further benefits like dental and outpatient benefits.\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;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A few of the top six international insurance providers in Shanghai are Now Health International, Cigna, and MSH International. By understanding more about these providers and what they have to offer, you can make an educated decision on your personal insurance policy.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you overwhelmed by all the international insurance options available in Shanghai? Let Pacific Prime make the decision easier for you. We can share quotes from multiple providers with unbiased and free professional advice on which plan would be a better fit for you.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We are an insurance broker, which means we aren\u2019t tied to one insurance company like an insurance agent. This means we can help you select from <a href=\"https:\/\/www.pacificprime.com\/blog\/top-international-insurance-china.html\">a variety of insurance providers<\/a> and their plans. With over 20 years of experience in the insurance market, we know just how to help.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us online<\/span><\/a><span style=\"font-weight: 400;\"> on our website today, or if you\u2019d like to begin comparing plans on your own, use our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">free quote tool<\/span><\/a><span style=\"font-weight: 400;\">.\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-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","protected":false},"excerpt":{"rendered":"<p>Cigna, Allianz, GeoBlue, MSH International, NOW Health, and William Russell are among the best international insurance providers for expats in Shanghai. These companies offer comprehensive health coverage with customizable benefits, giving access to top private hospitals and multilingual medical staff. For expats living in Shanghai, choosing the right provider is essential to ensure quality care &#8230;<\/p>\n","protected":false},"author":54,"featured_media":23603,"comment_status":"closed","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":[217,208],"tags":[],"class_list":["post-14530","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-travel-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top Six International Insurance in Shanghai\u00a0<\/title>\n<meta name=\"description\" content=\"Leading international insurance providers in Shanghai offer expats tailored health plans with flexible benefits and 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\/>\n<meta property=\"article:published_time\" content=\"2025-08-05T14:36:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-05T17:06:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/aerial-view-of-shanghai-skyline-with-skyscrapers-on-a-clear-blue-day.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Serena Fung\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Serena Fung\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" 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