In our previous article, we discussed why many foreigners choose to buy commercial health insurance even when they are already covered by social insurance. In the previous article, we mentioned: why many foreigners choose to purchase additional commercial health insurance even if they are already enrolled in social insurance.
The reason is simple — Without social insurance or commercial health insurance, medical expenses can be a heavy financial burden in any country. That’s why having commercial health insurance is essential for expats living in China. In fact, without social insurance or commercial health insurance, seeking medical care in any country can become a significant financial burden. Therefore, the importance of commercial health insurance is self-evident.
So, who is eligible to buy commercial health insurance in China? Let’s take a look. So, which foreigners are eligible to purchase commercial health insurance in China? Let’s take a look together.
01
Legal Residence Status
Legal Residence Status
Foreign nationals must hold: Foreign nationals must hold:
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A valid passport
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A residence permit or a long-term visa (such as a Z work visa, Q/S family reunion visa, or X student visa)
ATTENTION: Holders of temporary stay visas (such as tourist or short-term business visas) are usually not eligible.
02
Residence or Workplace in Mainland of China
Residence or Workplace in Mainland of China
Insurance companies usually require that
Insurance companies typically require:
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The applicant resides mainly in mainland China (typically at least 183 days per year)
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A residential address and local contact number in China are provided
03Health Declaration and Medical Check-up
Just like Chinese citizens, foreigners must
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Complete a health declaration form (disclosing past medical history, medication use, etc.)
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Provide a medical report if applying for high-value plans or at an older age
04
Age Limits for Enrollment
Age Limits for Enrollment
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Most commercial health insurance plans are open to foreigners aged 0–65
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Some high-end medical insurance plans extend to 70 years old
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Renewal is typically not age-restricted once the policy is active
05Accepted Currency and Payment Methods
Premiums are usually settled in RMB, and applicants should have access to payment methods in Mainland
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A Chinese bank account
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Payment via UnionPay, WeChat Pay, or Alipay
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Some international high-end plans support USD payments or foreign credit cards
CONGRATULATIONS!GOYou’re Eligible!
If you meet the above conditions, you can apply for a commercial health insurance plan in China.
Next in the Series
In the next article, I’ll share
The most popular types of health insurance plans among foreigners in China
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Hey, I am Yanling.
making your healthcare in China simple and secure.
Making healthcare for you and your friends in China simpler and more secure.