Expat Health Insurance: Coverage Options for Foreigners in Shanghai

There are several coverage options available for expats in Shanghai, and understanding the differences between these options will help you choose the right plan for your needs.

Local Insurance vs. International Insurance

• Local Insurance: Often provided by Chinese insurance companies, local health insurance typically covers basic medical expenses in China. However, it may not provide coverage for overseas medical treatments or high-end medical services.

  • Coverage: Basic outpatient and inpatient care.

  • Limitations: Fewer international hospitals are covered, and there may be restrictions on overseas treatments.

• International Insurance: This type of plan offers comprehensive coverage that includes medical treatment both in China and abroad. It typically covers a wide range of services, including emergency evacuations, critical illness coverage, and access to high-quality hospitals around the world.

  • Coverage: Global coverage for emergency care, outpatient services, specialized treatments, and sometimes dental and maternity care.

  • Flexibility: You can choose any doctor or hospital that is covered under your plan, whether in Shanghai or internationally.

Coverage Add-ons and Optional Benefits

Some international health insurance providers offer add-ons for more extensive coverage:

• Dental Care: Coverage for dental check-ups, cleanings, and treatments.

• Maternity Care: Pregnancy-related care and childbirth.

• Vision Care: Eye exams, glasses, and treatment for vision problems.

• Mental Health Coverage: Counseling or psychiatric services.

Choosing the right level of coverage will depend on your personal health needs and preferences, as well as the budget you have for insurance premiums.