I would take a look at William Russel. Dutch company, seems on the level. I was confronted with the same problem as you a few months ago and after looking around decided on them.
Like you, I only wanted emergency / disaster insurance. (anything minor I can either get it done at a Chinese hospital or just power through)
I even got 3 weeks a year covered in the States (optional US visit plan) and the total was something like 850 RMB a month. Now, I’m pretty young and pretty healthy so your quote might be higher, but give it a look.
PM me is you want the e-mail of the girl I went through from that company – she did a good job giving me different options and helping me to figure out what suited me best.
