Reply To: Health Insurance in China for Expats Cost ?

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I am constantly flying in and out of China – I rarely if ever stay in the country for more than a few weeks at a stretch.

As a result, I can be covered by travel insurance, as long as I purchase it in my home country and link it to an outbound flight. I’ve combed the fine print and can’t see anything in there which would exclude me, unless my medical mishap were to commence more than 90 days after arriving in China – which would never happen in my case.

The cover basically includes local stabilisation then medivac to another country for definitive treatment.

/profile/121-woshiweideren/?do=hovercard” data-mentionid=”121″ href=”<___base_url___>/profile/121-woshiweideren/” rel=””>>@woshiweideren, your argument in favour of self-insurance makes some superficial sense but ignores two major considerations:

(1) In the event of a real disaster, you may not be in a position to make your own decisions. What happens if one day you wake up in the ICU at United, to be informed that you have suffered a near-fatal heart attack (or whatever) and have already had a quadruple bypass? Got 1,000,000 RMB handy?

(2) You decide to self-insure by laying aside (say) 1,000 RMB per month. One day after making this decision, you suffer said heart attack. At this point you’ve got 0.1% of your bill covered. Oops.