Insurance coverage in China

Hello everyone,

Moving abroad requires adequate insurance coverage.

What type of insurance expatriates need the most in China: health, house or liability insurance? All of them? Do they come as a package?

Are there other insurance options to consider like critical illness, damage or property insurance?

Is it better to purchase insurance from an expat insurance specialist or from a local insurance provider?

And what about insurance costs?

Tell us about your experience in China.



Hi everyone,

I come from France, even France can provide people Good health insurance, I didn't choose French one because of its costs and the inconvenience of all the paperworks to be done to get refunded, and the most inconvenience is that once paid, the money is lost if you are not I didn't buy any French insurance.

Now I work For a Chinese insurance company which is T.K Life Insurance, it's among the 500 best Chinese companies and has a netwotk of 4500 points all over China.

Since I'm in China, I've bought a kind of "savings insurance" instead of consumption of insurance, but as I planned to stay in China For at least 10 years, that's why I chose this kind of health insurance.
Saving insurance is, on the one hand, a saving of money as you put money in a bank account to get interests with this, on the other hand, a health insurance for heavy diseases as cancers, pneumonia etc...there are more than 45 diseases considered as heavy, and 10 considered as light diseases by the Chinese insurance commissions.
If we don't have to use this Saving insurance during the period we pay for, it can be refunded at the end of the full payment of the fees, increased with interests of course.
Once withdrawn, it could be a considerable amount to do investments or kept for your retirement, it depends of course on the amount you put during the period. (generally 15 years or 20 years).

This kind of insurance is proposed by Taikang insurance company where I work for now.
The most is that Taikang is proposing in June 2016 an insurance covering 100 diseases For life, the client can get light disease 3 times and  once heavy disease, with a very big advantage that if the client gets one of diseases mentionned in the contract, the company can pay all the balance of the contract. it means For several years, the client doesn't need to pay Untill the end of the contract !!

As T.K insurance is partner with many hospitals in China, the disease Only must be approved by a Chinese 2nd degree hospital, and T.K will provide the amount of the contract once it's audited, in a period of 30 days.
The advantage of T.K insurance is it's a Chines insurance company but it works with international hospital too as Hopkins hospital in the States, and some in HongKong.
Then, in case the Client needs to be healed in the States, T.K could plan For the transfer too.

For other insurance covering all kind of accidents, ways of transport, For a refund of 1 million RMB, the fees are about 3000 to 5000 RMB per year.

So as I can speak French English and Chinese, for expats Who wish to get more information about other type of insurances, don't hesitate to contact me.

Good to you all

I previously had converage with AIA that cost my company about 3k usd per month .
It 's really quite useless as they have a long list of exemptions that makes it quite tedious to claim for basic medical care . they also have this clause that state that recurring syptoms would not be covered which is really riduculous as it would mean you would not be able to claim for basic illnesses like cough or fever .. ha

if your company allows it, i think it might be best for you to "self-insure" and get your company to pay u a monthly allowance for it instead ..

Dear Zest,

Thanks for your suggestion.
My company has just finished on the 13th a promotion of consumption type insurance in which a person only pays less than 1000 RMB per year !!! With a coverage of 3 millions RMB for life whatever the disease !! But it only concerns cares in China.
It 's a very rare opportunity, because if someone wants to buy it, maybe it will come only in next year. So we have to wait for long time.
Of course, I have already bought this kind of insurance myself before suggesting it to others.

Good to you

@ gracelie > Can you please recommend your company in the business directory?


Priscilla :)

Dear Priscilla,

It's done !

Thank you !


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