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HEALTHCARE SYSTEM
Health Insurance in China
Discover how the system works in China
The Chinese Act on the implementation of a unified social security system is fairly recent and came into effect on July 1, 2011. 

This new social security system provides basic coverage to Chinese nationals only (except under specific conditions). This coverage includes old-age pension insurance, unemployment insurance, healthcare insurance, work-related accident insurance, and maternity insurance. 
This system has been gradually implemented and will be extended to the entire Chinese population, both urban and rural, by 2020.

As this is not a national system, provinces, prefectures and districts are responsible for applying the central government’s directives. 

In general, China maintains a good healthcare system and provides quality medical care.
Visiting a doctor in China
In China, Traditional Chinese Medicine is very common although Western medicine tends to be increasingly used. 
Consultations with Chinese GPs or specialists only take place at the hospital. Homecare does not exist.
Consultation fees vary from one doctor to another and can reach RMB 700 (around USD 100) in private hospitals.
Being admitted to hospital in China
Chinese public hospitals:
Public hospitals (large facilities) are quite often divided into two different departments: one is intended for local residents while the other one is dedicated to foreigners and VIPs. Consultation fees are not the same depending on the department consulted: around RMB 50 for a consultation in the case of a local resident and up to RMB 300 for an expatriate. 
Please note that consultations are not conducted in the same way in the two departments: it is not unusual to see locals enter a room without knocking on the door and even take part in your consultation.
As we are not used to such practices, we may find them disrespectful but this is totally natural for Chinese people.
This would not happen in the expatriate department where medical confidentiality is respected. Furthermore, doctors often speak English.

Chinese medical centers for foreign people (international facilities):
There are many ultra-modern international private facilities intended for foreigners who can either afford this type of medical care or are covered by health insurance. Prices of consultations are much higher than those in public hospitals but the hospital environment is more welcoming and provides international staff. 
Doctors have the same expertise level as those in public hospitals but consultations are more Western-inspired and much more tailored to expatriates.

Emergency services:
Emergency services in public hospitals are open 24 hours a day but they are often filled to capacity with local residents. In very large facilities, you can find 200 people waiting before you. As for expatriates or VIPs, waiting times are shorter due to higher prices. The same applies to private medical centers. 
Buying medication in China
Drugs prescribed by the hospital’s doctor must be bought directly at the hospital’s pharmacy, whether they are Traditional Chinese Medicine or Western medicine drugs. 
Get your health insurance for China
MSH can help you design the best international health insurance plan to suit your needs.

Going for less than a year?
We have the right health insurance plan to cover you for 1 to 12 months, whether it's for a personal project, an apprenticeship, a working holiday or any other reason.

Going for a year or more?
Explore our comprehensive and highly flexible health insurance solutions to protect you and your family while you're abroad.
QUICK FACTS
OFFICIAL NAME
People's Republic of China
MAIN CITIES
Shanghai, Canton, Tianjin, Chongqing, Wuhan, Chengdu, Shenyang
CAPITAL
Beijing
GOVERNMENT
Unitary one-party socialist republic
COMMON LANGUAGE(S)
Standard mandarin, Cantonese, English, Portuguese
FIND OUT MORE
China on Wikipedia
CLIENT STORIES
Client story: MSH was a lifesaver

Matthieu was hiking in a canyon in Peru when he accidently fell down several meters and fractured his kneecap and elbow: "After 12 days in a local hospital, I was sent back to  France where I spent 2 more weeks in hospital and months in physiotherapy" he remembers. Matthieu's hospitalization, repatriation and rehabilitation expenses were all covered by MSH: "Without my private health insurance, it would have been a nightmare: €16,000 for the hospital and €50,000 for my repatriation with two air ambulances - can you imagine?"
Client story: my second opinion

Petra was very worried about the surgery she'd been prescribed following an accident at home. Before making her decision, she wanted a second opinion. Thanks to her private health insurance, which included the Second Medical Opinion guarantee, she quickly saw another doctor and got all the answers to her questions. The second doctor agreed that surgery was necessary and Petra went to hospital feeling reassured and confident.
Client story: No worries mate!

Tanguy subscribed to Start’Expat to cover his gap year in Australia. He was out roller-skating one day when he slipped and blacked out for a few minutes. A passerby directed him to the nearest hospital for a scan. Fortunately, there was nothing serious and he was delighted to learn that all the expenses from €400 would be paid by MSH in advance, saving him a total of €513 -that's a lot of money for a student!   
DISCOVER THEIR STORIES
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