If you are an expat working or living in China, it’s important to get full medical insurance coverage for any eventuality. And although you might already have health insurance, for the ultimate peace of mind, you seriously need to consider China medical evacuation and repatriation insurance for expats.

The best way to ensure you get the most competitive policies for China evacuation & repatriation insurance is to utilize the services of a trusted and reliable China health insurance broker. An expert health insurance broker will give you the best options, helpful advice, and more. Everyone needs a friend in times of need, and that is where the services of a broker are invaluable.

Here are some important things you need to know about evacuation and repatriation health insurance in China for expats.

What is Medical Repatriation?

Medical Repatriation is the process of returning someone to their home country in the eventuality of a major accident or illness abroad where locally adequate medical treatment is not available. If you work or live in China, medical repatriation insurance can literally be a lifesaver. This could include using the services of an air-ambulance, especially if you are working in remote areas of China. Although medical repatriation is essentially ensuring you get back to your home country safely in the event of an unforeseen medical issue.

Why Do You Need China Medical Repatriation Insurance for Expats?

Travelers, foreign workers, and expats in China can unexpectedly suffer an injury, illness, or some kind of trauma. Are you an expat who lives or works in China? If so, finding a reliable China health repatriation insurance policy could be the most important decision of your life.

Having reliable China medical repatriation insurance for expats will make it easier for you to get back home safely and affordably. Can you even imagine the costs of being airlifted by an air-ambulance if you do not have medical repatriation insurance? Can you also imagine the costs and issues involved in being safely flown back to your home country while in bad health? You do not want to foot this bill alone. And you also need someone to help you in such a difficult time. Especially where language barriers exist. This is where the services of a China health insurance broker are worth their weight in gold.

What Do Medical Repatriation Insurance Policies Cover?

As with any China health insurance type of policy, there are so many choices that cover all manner of services and treatments. Choosing the right policy that suits your lifestyle is essential. A reliable China health insurance broker can ensure you get the ideal policy that suits your situation, and budget!

There could be many reasons why you need medical repatriation to your home country from China. You could suffer an illness or an accident in a remote part of China. In this case, you will need someone to organize and arrange ambulance services to transport you from the area in question. You will need to get safely to the airport. And you will also need an aircraft that offers safety and care on your flight back to your home country. You cannot do this alone, which is why using a broker to find the best repatriation insurance policy is a must.

Projected Costs of Medical Repatriation

You do not want to be left high and dry to pay for medical repatriation directly from you pocket. It can cost a small fortune. And it’s not just about cost. It’s about getting home safely.

Did you know that prices for medical repatriation from Greece to Malaysia can cost in the region of US$137,000? Medical repatriation rates from somewhere such as China to Singapore can cost in the ballpark of US$96,000. And that is considered a short journey when compared to getting from China to Europe or the USA. Although these are just examples of medical repatriation costs, they are very accurate and real. This is why sourcing the best value-for-money China medical repatriation insurance from expats is essential.

What is Medical Evacuation?

Another uber-important thing to consider if you and/or your family live or work in remote parts of China is Medical Evacuation insurance. This is also important if you are going to travel across China and will find yourself in remote parts of the country with limited medical services and facilities. Medical Evacuation, also known as ‘Medevacs’ is the process of getting you to the nearest and best medical facilities if you suffer an illness or accident in a remote part of the country.

Why Do You Need China Medical Evacuation Insurance for Expats?

Medical evacuation costs are ultra-expensive. And who knows where and when you might need it. You could be close to the nearest medical facilities or you could be hundreds of miles away. You must be covered for Medivacs if you are an expat in China who works or travels off the beaten path.

What Do China Medical Evacuation Insurance Policies Cover?

As with all manner of health insurance policies, it depends on the type of coverage you purchase. It’s important that you combine both medical evacuation and medical repatriation coverage in your policy. This way you are covered across the board and can sleep with peace of mind.

If you unexpectedly have an accident in a remote part of China where there are no medical services nearby, you might need an Air Ambulance. A viable evacuation insurance policy will ensure you get the care you need. You might require a fully-equipped air ambulance depending on your condition. This could require intensive care facilities in a Learjet or the use of a helicopter. You will then need ground transportation to take you to the nearest medical facility. You need to be prepared in the case of all eventualities if you are living or working in remote parts of China.

Here are some of the issues that your policy should cover.

  • Medical Evacuation: On-ground or in-Air ambulance services to transport you to the nearest medical facilities.
  • Emergency Repatriation: Safe flights and emergency repatriation to your home country.
  • Repatriation of Mortal Remains: Covers the cost and repatriation of a deceased body back to your home country and the paperwork involved.
  • Travel Assistance Services: Complimentary services that cover emergency prescription replacement, lost document assistance, translation services, and other benefits and services offered by insurers.

China Health Insurance Brokers Will Get You the Best Deal

Now you fully understand the essentials in regards to China medical evacuation & repatriation insurance for expats, how do you find a policy that suits you? How do you get a fair deal? If you want to find a reliable and affordable repatriation insurance policy for expats in China, where do you start? Questions, questions, questions….

The first piece of advice is never to go directly to a health insurance company. Medical and health insurance companies treat their customers like numbers, not people. They are a business, and it’s in their best interest to sell you their health insurance policies whether they suit your needs or not. This is the natural way of the business world, so don’t let that get you down! They will very seldom offer you the best deal or the discounts you could be eligible for. You need someone to watch your back and protect you from insurers.

What is a China Health Insurance Broker?

A health insurance broker is massively different to a health insurance company. Brokers work directly with you to find a viable medical health insurance policy. A health insurance company puts profits first. A broker puts your needs first.

A China health insurance broker understands the medical insurance sector and knows the market. Health insurance brokers like us work with several of the best health insurance companies in China. We work to protect the client at all times. Health insurance brokers offer lots of different deals from different insurance companies and help you compare them to get the best price and policy. By utilizing the services of a broker, you will get the most competitive policies and will be treaty fairly. Brokers can also give you advice and help after you have signed to policy to ensure the health insurance companies treat you correctly all-year-round.

It’s always important to have someone in your corner who has your best interests at heart. Especially if you are an expat working in China. And especially if you are working or traveling in remote parts of China that are vast distances from medical facilities.

If you contact us directly today, we will ensure you get the best China medical evacuation & repatriation insurance for expats. You do not want to be left with hefty medical bills that can cost tens or even hundreds of thousands of dollars. And that is the real facts you have to face when living, working, or traveling in China.