In China: Private Health Insurance Versus Public Care
An international-based insurance policy will also normally provide expatriates and foreigners treatment in private hospitals or in private wings of public hospitals. For expats used to the healthcare systems in Canada,German healthcare, or Australian hospitals and doctors, the idea of a private hospital often feels unnecessary or even uncomfortably elitist when you are living in China. But for expats in China, where “inconsistent” is the hallmark healthcare phrase, the difference between public and private care can be astonishing. Private healthcare facilities are head and shoulders above their public counterparts in terms of customer service. This includes multi-lingual signs, staff, and familiarity with non-Chinese insurance companies.
In general, private healthcare facilities are cleaner, more modern, and better organized. Hospitals and healthcare facilities also have access to more diagnostic equipment and specialist care. For treating a sprained wrist or a modest infection, these differences mean a lot less time and frustration. For more serious ailments that require in-patient care and coordinating recovery with multiple departments, it can make all the difference in the world for both your health and your peace of mind. Private international health insurance provides you with access to the best hospitals and doctors with the least amount of waiting time.
China has three tiers of public hospitals: tier one, two, or three. Tier one would be the best, and tier three would be the worst, providing the most basic care. Tier-three hospitals are publicly run and typically will not accept private insurance. If you must use a tier-three hospital, you can pay cash and be reimbursed by your medical insurance by filing a claim. Most major cities in China will have a tier-one or tier-two hospital where you can get a high level of healthcare. You should look into which hospital you will be using in advance. Consider a VIP facility which is offered in many hospitals, as they often have the best equipment and can speak English. Always check with your medical insurance company prior to using any medical facility in China. They can advise you on which ones will accept their plan and will guide you on the best options for your care.
In theory, over 95% of the Chinese population can access the Chinese healthcare system. However, the reality is that the services within their reach pale in comparison to those of the top city hospitals. “Inconsistent” also applies to costs. In a rural clinic, a simple examination from a doctor or nurse might only set you back a few dollars. Meanwhile, in Chengdu or Guangzhou, the cost of sophisticated tests and a short hospital stay can set you back thousands. With that in mind, please be careful when searching for health insurance for expats in China. It is vitally important that you choose wisely and are properly covered when purchasing medical coverage abroad.
Review: Health Insurance in Asia for Expats
Communication With Chinese Insurance Companies
Regardless of these limitations, Chinese-based insurance companies do have a slight edge when it comes to hospital acceptance. Chinese hospitals usually require patients to pay upfront (especially in rural areas). The principle of providing life-saving care to all in need doesn’t always apply if there’s no evidence you can make good on your bill. This is where having a Chinese policy can be a lifesaver in more ways than one. The staff is familiar with the major insurance brands, and they can read the policy terms.
Benefits of Service and International Coverage
To get the best of both worlds – the generous coverage of international insurance plans and the ease of use from domestic plans with local coverage – expats will often turn to policies with a strong focus on service. That includes insurer mobile and web-based apps that help you find a local hospital that accepts your coverage. It may also include companies that provide translation services and support. Other expats value rapid reimbursem*nt terms when selecting coverage with an international medical plan to support their new expat life in China.
Related: Health Insurance for Chinese Citizens Living Abroad
Settling into Expat Life
Unlike in other countries, there is no requirement to see a doctor or be registered with a clinic when you begin expat life in China. In fact, with good health and good luck, you might go a year or more without needing to see a doctor! However, familiarizing yourself with your neighborhood facilities before you actually need them is a smart idea. Local friends, colleagues, and other expats can help with regard to health recommendations for a clinic and a pharmacy. They can also advise you on regional-specific health tips for maintaining good health while you are living in China. Their tips might include where they buy their bottled water, the insiders’ scoop on air quality, recommendations for which street food vendors to visit, and those that are best avoided. The proper program will provide peace of mind and help you maintain the wellness of both you and your family.
Additional health insurance plans and coverage advice in the following countries:
- Health Insurance in France for Foreigners
- Thai Global Health Insurance Plans
- Health Insurance in Germany for Foreigners
- UK Medical Insurance Plans for Immigrants
Related: Insurance for Travel to China
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