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    China

    International Health Insurance in China

    Enjoy the incredible culture, booming prospects and fast-growing economy of the People’s Republic while protecting you and your loved ones from any mishaps with health insurance for expats in China.

    Get a quote, it takes only 2 minutes!

    Obtén un presupuesto ahora

    China has an engrossing history to explore, and its modern cities promise expanding job opportunities. Yet, the public health system can be a little confusing at times, and depending on your plans, you may need additional cover while exploring this nation.

    Find out more about China’s public medical system and what the best health insurance for expats is with Cigna Healthcare.

    How does the healthcare system work in China?

    There are two medical systems available in China, combining publicly funded, private and insurance-based healthcare systems. One system uses modern healthcare practices, of the kind you will find in hospitals elsewhere in the world. The other adopts more traditional Chinese medicinal practices and homeopathic treatments.

    Much of the population has access to basic, free healthcare. Then, there are two forms of insurance available: employee medical insurance available through work, and resident insurance available through citizenship.

    Read more on life in China
    Cigna Leaf

    Pros and cons of using China's healthcare system

    Ventajas

    • Publicly supported healthcare means costs are generally lower than in recent years.
    • Hospitals adopting more modern practices can usually assure a good quality of care.

    Inconvenientes

    • Homeopathic and traditional treatments can be scientifically unproven in terms of success rates and potential side effects.
    • Linguistic issues and quality, or even availability of, care can be a problem in more rural areas.
    Cigna Leaf

    How can international health insurance help you in China?

    Hospitals in China are usually ranked numerically by a set of criteria. Tier One is the top-tier, offering the best all-round care. While Tier Three is more standard access.

    The best health insurance for expats in China guarantees you access to the nearest top tier hospital. So, rest assured that you and your loved ones have access to great comprehensive medical coverage while you’re here.

    Many third-tier medical facilities only accept cash payments – so having a strong health insurance package you can fall back on is essential when you’re living, working, and travelling in more rural areas across the country.

    Read our China country guide
    greenLeaf

    Elegir un seguro de salud internacional

    Para empezar

    Responde a algunas preguntas e introduce tus datos personales para empezar.

    Elige tu plan de seguro

    Compara planes y encuentra un paquete flexible que se adapte a tus necesidades.

    Protégete

    Recibe tu presupuesto y protégete hoy mismo.

    Cigna Global Health Options (CGHO)
    Silver

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    La ventaja principal de un plan Silver es que proporciona cobertura internacional, tanto hospitalaria como externa, en la que se incluyen ingresos en el hospital y tratamientos.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 1 000 000  $
    • Tratamiento hospitalario y externo
    • Habitación individual
    • Cobertura completa para cáncer
    • Cobertura de atención para recién nacidos
    Gold

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Cobertura completa, con límites anuales generales más amplios y beneficios adicionales, entre los que se incluye la atención de maternidad hospitalaria.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 2 000 000  $
    • Tratamiento hospitalario y externo
    • Habitación individual
    • Cobertura completa para cáncer
    • Atención de maternidad hospitalaria
    Platinum

    Cobertura internacional o internacional excepto en EE. UU.

    Información general

    Nuestro nivel más alto ofrece una cobertura anual general ilimitada con la mayoría de los beneficios pagados en su totalidad.

    Módulos adicionales disponibles:

    • Ambulatoria
    • Evacuación y Crisis Assistance Plus™
    • Health and Wellbeing
    • Visión y dental

    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: Cobertura íntegra
    • Tratamiento hospitalario y externo
    • Habitación individual
    • Cobertura completa para cáncer
    • Atención de maternidad hospitalaria
    • Asistencia de salud mental y conductual completamente pagada

    Plan Cigna Close Care℠
    Close Care
    Cobertura para el país de residencia y para el país de nacionalidad
    Información general

    Un plan de salud básico, diseñado para los que solamente necesitan cobertura en su país de residencia y en su país de origen.

    Módulos adicionales disponibles:

    • Atención ambulatoria y de bienestar
    • Tratamiento y atención odontológica
    Vista general de la cobertura principal por hospitalización:

    • Límite de beneficios anuales: 500 000 $
    • Límite de afecciones: 250 000 $
    • Tratamiento hospitalario y externo
    • Habitación doble
    • Cobertura completa para cáncer

    Why choose Cigna Healthcare for health insurance in China?

    • With a range of healthcare insurance packages available, you can find a package that suits your needs.
    • You’ll get access to a broad, global network of 1,65 million hospitals, doctors and clinics.
    • 24/7 access to our market-leading customer care team, getting you the help, you need whenever you need it.
    • Access to a range of medical treatments which may be limited in more remote areas.

    Obtén un presupuesto hoy
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    Preguntas frecuentes
    Is health insurance necessary in China?

    Health insurance for expats in China provides vital financial and personal security while you’re living here. The differing range of hospital tiers found across the country can be difficult to navigate. And with some accepting cash only payments and others offering modern medical practices at a premium price, having a universal and comprehensive cover package can protect you should unfortunate accidents happen.

    Aunque el seguro de salud internacional no es necesario, algunos de los tratamientos que cubre pueden resultar muy caros sin él. Si necesitas fisioterapia o tratamiento dental prolongado, la asistencia sanitaria internacional puede darte tranquilidad.

         Will pre-existing conditions be treated in my plan?

    We sometimes include special exclusions for pre-existing conditions in any healthcare plans we offer. Pre-existing conditions are those you have experienced or sought treatment for before taking out any coverage with us.

         ¿Tengo cubiertos los tratamientos ambulatorios?

    Most of our packages cover basic outpatient care, like overnight stays, mental health costs and surgeon fees. You can also add further options and more specialised care to your coverage as part of your sign-up process.

    © 2025 Cigna Healthcare. Reservados todos los derechos.

    *Please note, this is a representation of the benefits available and does not contain the terms, conditions, and exclusions specific to each benefit. The benefits may be subject to change. Some benefits may be part of an optional module. Please see the Customer Guide for full details.

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