Travel insurance for China: our comprehensive guide

Are you planning to go to China? Here’s all you need to know about travel insurance, when you go to China.

Before you leave for a stay in China, do not forget to subscribe to travel insurance. Beyond its mandatory character in this country, this coverage will ensure you protection during your stay. Medical care, hospitalization, repatriation, and if we did a point on the guarantees of travel insurance?

Comparative travel insurance for China

Chapka, World Support now Allianz Voyage, Europ Assistance, Axa, etc., many insurance companies offer you to accompany you on your trip to China. We invite you to consult our comparative table to learn more about the travel insurance and the offers of each insurer.

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What is the best travel insurance for China?

The subscription of travel insurance for China must meet your specific needs.

Many travellers are looking for the best travel insurance. But in reality, there is no good or bad insurance, there are prices adapted to your budget and guarantees consistent with your expectations.

Your insurance contract is made up of different guarantees, some are mandatory, some are optional. Finding the best travel insurance for China for you is making the best choice to combine protection and respect for your finances.

You must therefore consider the risks. Whether you're visiting Beijing, Shanghai, or you're going to mess around Great Wall of China , you are not immune to getting sick, eating a damaged samoussa or having to make an early return to France.

On the other hand, one can easily imagine that visiting the Prohibition will be less dangerous than making a trek around Shanhu and Ronghu lakes in Guilin . Similarly, if you are considering experiencing strong sensations and practicing extreme sports, it is best to pre-munite with a suitable guarantee.

What is the fare for travel insurance for China?

We're going to make you an answer from Norman. It is impossible to give a specific fare without information for your travel insurance. In fact, the insurance company measures a risk. This depends on different factors. A couple of thirties with two children going to enjoy the most beautiful beaches of China, from Yalong Bay to Wuzhizhou Island, will not present the same risks as a young adult went on a hike around Xian from Yangshuo or a sex partner who wants to spend a week to Beijing .

Thus, the price of travel insurance is calculated according to the following criteria:

• Age ;
• The number of persons on the insurance contract ;
• Travel duration ;
• The nature of the trip ;
• Level of guarantees.

Here is a table that will give you an idea of what might cost you your travel insurance for China. This is indicative, making a request for a quote will allow you to see it clearer and thus better anticipate your budget travel abroad.

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Why take travel insurance for China?

Travel insurance in China or elsewhere is designed to cover you during your stay abroad. Discover the guarantees to subscribe and why you must be assured during your trip to the Middle Empire.

What are the guarantees of multi-risk travel insurance?

With multi-risk travel insurance, you opt for an important coverage that can accompany you in all situations. Here are the guarantees you can claim:

• Health expenditure management: medical expenses, hospital fees;
• Repatriated assistance: medical repatriation or early return due to a personal problem in France (for example, the death of a close relative);
• Civil liability abroad: If you hurt someone or damage a property, good travel insurance covers you through the third party’s compensation;
• Baggage insurance in the event of loss or flight ;
• Legal assistance in case of litigation at the end of the world ;
• Cancellation insurance if you can't leave ;
• Travel change insurance.

Is travel insurance mandatory for China?

Yes, travel insurance is mandatory if you're planning to go to China. You cannot go beyond this obligation, a travel insurance certificate is required to obtain your visa. This insurance must cover you for the duration of your stay to be taken into account.

Due to relatively expensive medical expenses, China has chosen to impose this insurance in order not to take care of foreigners.

The importance of repatriation insurance for China

Repatriation insurance is always important, regardless of the country you leave. In fact, if you are injured or face a health problem that requires health repatriation, the cost of this benefit and extremely high. Repatriation to reach your loved ones will also be expensive.

This will be especially the case in China which is a distant country. Without insurance , you must pay a flight ticket at the strong price to which you must add that of a companion. And it is without counting the possibility of having to opt for elongated transport. In short, repatriation insurance for China is imperative if you want to preserve your budget.

Am I reimbursed for my care in China by the Health Insurance?

It is quite possible to be refunded by the Social security if you leave abroad. Of course, there are rules to respect. This concerns only unforeseen and urgent care. In addition, Social Security will only pay back to the reimbursement base defined in France.

In China, medical care is expensive, your will therefore be important . It is best to subscribe a travel insurance that will be much more protective.

If you have not made this choice, keep all the necessary proofs (cares, invoices, etc.) and fill out, upon your return to France, a form to make a claim by the Health Insurance.

Does my Visa or Mastercard card cover me in China?

Yes, your bank card, (Visa Premier card, Mastercard Gold, etc.) can take care of you . In fact, card insurance allows you to travel around the world and obtain a reimbursement of medical expenses, to benefit from a hospital guarantee, legal assistance or civil liability. However, we invite you to compare the credit card insurance with the travel insurance subscribed independently.

It is important to compare offers and study guarantees, ceilings, and franchises and exclusions to be well insured during your short stay or extended holidays in China.

What insurance take in case of car rental in China?

China is a vast country. To facilitate your travel or to make a road trip, renting a car is necessary if you took the plane.

Careful, when renting a vehicle, the renters impose mandatory car insurance, namely the civil liability guarantee. However, it only compensates one third in the event of a responsible accident. If the car you rented is damaged, it is possible that the costs are at your expense. It is therefore best to subscribe to a more extensive coverage to be perfectly compensated. Do not hesitate to redeem your franchise to limit the rest.

Administrative, Health and Safety for China: Our Advice

Before you go to China and take full advantage of your trip, here are some essential information.

What? visa for China ?

To go to China, you must get a visa. And, remember, to get this one, you must submit a travel insurance certificate that includes repatriation assistance.

The tourist visa in China is the visa L. Valide 90 days , your Chinese visa allows you to stay 30 days on the territory. The Family visa allows to stay 30 to 90 days while the Business visa allows to stay 30 to 60 days . It is also possible to ask prolong the visa but acceptance is not systematic. To put all the chances on your side, you must present a passport with a Chinese visa, a recent identity photo and a hotel voucher.

Health & Hygiene

China is a vast country, the hygiene conditions can vary from one place to another. In some areas, hygiene is enough precarious . It is recommended to vaccine against:

• Hepatitis A and B,
• Typhoid,
• Japanese encephalitis,
• Tick Encephalitis.

With regard to water, it is customary to boil it before drinking it. If you have any doubt, buy a bottle. Concerning food, to avoid food poisoning, attention to street food. If the foods seem to be poorly preserved or exposed too long in the sun, pass your path. A fresh nem can damage your stomach.

Security on site

In China, the crime rate is low enough , it remains a safe country. However, you are not immune to pickpockets. As is the case in France and abroad, be careful. Do not leave valuables within the reach of all, avoid having too much liquid on you, etc.

What to do in the event of an accident in China?

Several hazards can happen to you during your stay. Therefore:

• If you have an accident or if you do flying something: contact the police at 110 ;
• For one traffic accident : dial 122 ;
• If you are sick or injured : contact the ambulance at 120.
• If you need Fire : Count 119.

Also: if you have subscribed a travel insurance or car insurance and that your guarantees may take care of you, contact your insurer Now. This one can help you face the language barrier and explain how to follow.

What health insurance for expats in China?

Do you want to discover China for a long stay? It is more than advisable to subscribe health insurance. In China, medical expenses are expensive, you can hardly assume them if you are not not insured .

You have the opportunity to register for the Caisse des Français de l’Étranger, to choose an international mutual or Chinese health insurance. Whatever the solution you choose, we invite you to consult reimbursement levels to be certain that it will be adapted to your expenses. The goal of such a cover, let’s not forget it, is to limit your rest to the maximum.

You now know how to act and what travel insurance to subscribe for China. Nevertheless, we hope that you will not have any trouble and that travel insurance will only be preventive!