We've partnered with Allianz Jingdong General Insurance Company to offer a range of international health insurance plans for China. Designed for expats and local Chinese individuals and families.
Cover for you and your family
International Health Insurance in China for expats
Why International Health Insurance is Essential in China?
China is one of the world’s fastest-growing economies, attracting significant foreign investment and an increasing number of international professionals, students, and families each year. As the most populous country globally, it offers vast opportunities but also presents regional differences in healthcare access and quality. While major cities provide advanced medical facilities, resources can vary across locations, making it essential to have comprehensive health insurance coverage during your time in China.
With a wide range of healthcare options available, being well prepared ensures that you and your family can access the care you need with confidence. To better understand how the system works, you can refer to this guide on healthcare in China to gain a clearer understanding of the services and solutions available.
Why Choose Our Medical Insurance Plans in China?
Do you live in China or are you moving there? If so, we can make life a little easier for you. Together with Allianz Jingdong General Insurance Company Ltd., we’ve designed international health insurance solutions for expats that are flexible, affordable and comprehensive, covering in-patient and day-care treatments in China. Most of our Core Plans also offer cover for chronic medical conditions and cancer care within the limits provided by the TOB, as well as medical evacuation cover, just in case. Our plans also include treatment for Covid-19.
Health Services included with your cover
Tailor your health insurance in China according to your needs
We offer a range of International Health Insurance Plans for international and local individuals and families in China. With our range of expat medical insurance plans, you can choose one that best suits your needs and budget.
Explore our range of plans of medical insurance for China
Everyone’s healthcare needs are different, so it’s important to choose a plan that matches your personal situation. From comprehensive cover to essential protection, you can select the option that best fits your needs and priorities.
Diamond Plus
Max. Plan Limit: ¥ 8,000,000
| Private room | ✓ |
| In-patient / Day-care | ✓ |
| Oncology | ✓ |
| Psychiatry and psychotherapy | ✓ |
| Nursing at home or in a convalescent home | ¥35,000 |
| Medical evacuation | ✓ |
| Medical repatriation | ✓ |
Diamond Prime
Max. Plan Limit: ¥ 8,000,000
| Private room | ✓ |
| In-patient / Day-care | ✓ |
| Oncology | ✓ |
| Psychiatry and psychotherapy | ¥65,000 |
| Nursing at home or in a convalescent home | ¥25,000 |
| Medical evacuation | ✓ |
| Medical repatriation | ✓ |
Diamond Care
Max. Plan Limit: ¥4,200,000
| Semi private room | ✓ |
| In-patient / Day-care | ✓ |
| Oncology | ✓ |
| Psychiatry and psychotherapy | X |
| Nursing at home or in a convalescent home | X |
| Medical evacuation | ✓ |
| Medical repatriation | X |
We offer a range of international health insurance plans for international and local individuals and families in China.
Out-patient plan
Elevate your healthcare experience with our out-patient plan, offering day-to-day medical cover such as GP visits, diagnostic tests, vaccinations, regular health checks and more.
Repatriation plan
If the treatment you need is not available locally, we'll repatriate you to your home country, so you can receive treatment close to family and friends.
Dental plan
Protect your oral health and your wallet with our reliable dental insurance plan, offering cover to dental treatments, surgeries, orthodontics and more.
Maternity plan
Embrace the journey of motherhood with our trusted maternity plan, offering coverage and support.
Why choose Allianz as your insurance provider in China?
#1
Best in class experiences
Financially strong company with A+ Superior, A.M. Best rating. Number 1 insurance brand by Interbrand for the fifth year running.
2M+
Worldwide expertise
Growing network of over 2 million quality medical providers, settling medical bills directly with the provider for most in-patient treatments.
24/7
Support
Always on: 24/7 multilingual Helpline and Emergency Assistance Services.
Looking for a different insurance solution?
Frequently Asked Questions
Find the answers to our most commonly asked questions about our international health insurance plans for China, including coverage options, healthcare access, and how we support you during your stay.
What is a geographical area of cover?
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you.
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Greater China”, then your cover will be valid everywhere in Greater China.
Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere in the world. If your area of cover is “Greater China”, then your cover will be valid everywhere in Greater China.
What do you mean by emergency cover outside your area of cover?
This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan, there is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide for general terms & conditions.
What is the difference between Full Medical Underwriting (FMU) and Medical History Disregarded (MHD) terms?
Full Medical Underwriting terms are usually available to individuals or groups with 3 to 9 employees. For these policies, the assessment of insurance risk is carried out before cover starts. Members will be asked to complete an application form disclosing their medical history. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
Medical History Disregarded terms are usually available to groups with more than 10 employees. In this case, members’ health information is not assessed.
We've partnered with Allianz Jingdong General Insurance Company Ltd. to offer a range of international healthcare plans designed for international and local individuals and families in China. The latest Combined Solvency Adequacy ratio and the results of the Integrated Risk Rating of Allianz Jingdong General Insurance Company Limited both meet the regulatory requirements. For the details of solvency indices and the results of Integrated Risk Rating, please refer to our official website https://www.jdallianz.com/public-info/special-info/solvency.