How to Choose the Right Expat Health Insurance in Shanghai

Choosing the right health insurance is one of the most important decisions you'll make as an expat living in Shanghai. While China has an expansive healthcare system, navigating it as a foreigner can be tricky, especially with the language barrier and the different standards between public and private healthcare.

Types of Health Insurance for Expats

When selecting an insurance plan, expats typically have two main options:

• Local Health Insurance: This is provided by Chinese insurance companies and is often cheaper than international plans. It can be a good option for basic care, especially if you are planning to stay in China for a short period. However, it may come with limitations in terms of coverage, such as fewer English-speaking doctors, fewer hospital options, and limited coverage for overseas treatment.

• International Health Insurance: This is a more comprehensive option that provides coverage not only in China but also for treatment abroad. International health insurance is often recommended for long-term expats who may travel frequently or return to their home countries for care. Many international health insurance providers have partnerships with high-quality hospitals in Shanghai, making it easier to access care and get reimbursed.

Factors to Consider When Choosing Health Insurance

When selecting a health insurance plan, consider the following factors:

1. Coverage: Ensure that the plan covers essential medical services such as emergency care, outpatient visits, hospitalization, surgeries, and specialized treatments.

2. Cost: Health insurance premiums can vary widely depending on the provider, coverage level, and personal health history. Compare multiple providers and plans to find the best balance of coverage and cost.

3. English-speaking Services: Ensure that the insurance company offers English-speaking customer service, particularly if you don’t speak Chinese. This is especially important if you need assistance with claims, explanations of benefits, or hospital referrals.

4. Exclusions: Some health insurance plans may have exclusions, such as pre-existing conditions or limitations on certain treatments. Read the fine print to make sure your needs are covered.

Popular Health Insurance Providers for Expats in Shanghai

• Cigna Global

• Bupa Global

• Allianz Care

• Aetna International

• Ping An (for a mix of local and international options)

These providers offer a range of plans that cater specifically to expatriates, providing coverage for medical treatment in China and worldwide.