Six product categories as mainland insurers actually structure them. For each one: what it is for, what shapes it comes in, what decides eligibility, and what usually goes wrong.
Read the category that matches your need. Each page separates the structure from the marketing.
The cost of being ill is the single biggest reason expats and overseas families buy cover in China — and the reason the order of payment matters more than the product name.
The most portable cover: an accident policy follows the person, not the address, and is usually the first thing a new resident buys.
A lump sum paid on diagnosis of a covered condition, so the money is yours to use however the household needs — treatment bills, income replacement, or a family member's caregiving time.
Money paid to the beneficiary on death. For a family with dependants in two countries, this is often the piece that is quietly missing.
Long-horizon products for people whose income or obligations sit in two currencies and two tax systems at once.
Covers third parties you injure or whose property you damage — the exposure that follows a business owner or a property lease into China.
Most badly-chosen policies fail on these, not on price.
| Question | Why it comes first |
|---|---|
| Am I eligible at all? | Residence, permit, address and days-abroad conditions decide acceptance before any benefit comparison is possible. |
| What am I actually covered for, in this city? | A plan only works where you receive treatment. Networks, designated hospitals and filing arrangements are all geographic. |
| What is my real gap? | Statutory cover, employer cover and existing policies have to be read together. The gap is what you are buying. |
Tell us what you are trying to cover, and we will tell you which categories are even open to you.