Individual Health Insurance Plans
Living in China on your own — for work, study or a new chapter — makes good health insurance more important, not less. If illness or an accident strikes and family is a long flight away, you want direct-billing access to China's best international hospitals and a broker in your corner who handles the paperwork while you focus on getting better.
China Expat Health has helped individual expats find the right cover since 2004. We're a China-licensed broker: our comparison and advice are free, and the insurer's price is the same whether you buy through us or go direct.
What does individual expat health insurance in China cover?
Plans we compare for individuals typically include:
- Inpatient cover — hospitalisation, surgery, intensive care and cancer treatment, with a private room at leading international and public hospitals
- Direct billing — the insurer settles the hospital bill; you don't pay up front and claim back
- Outpatient options — GP and specialist visits, prescriptions, physiotherapy and therapies (on comprehensive plans)
- Medical evacuation and repatriation — included on the plans we recommend
- Worldwide cover (excluding the USA) — your plan travels with you outside China, and stays portable if you relocate
How much does health insurance cost for a single expat in China?
As a guide from our current rates: a 30-year-old can start from around ¥8,500 per year for solid inpatient-only cover, ranging up to around ¥50,000 per year for a top-tier plan with full outpatient benefits at 100% of high-cost hospitals. A 40-year-old ranges from roughly ¥10,000 to ¥63,000 per year. Where you fit depends on your age, the hospitals you want access to, and whether you need outpatient cover.
The fastest way to see your real numbers: request your instant quote — a personalized side-by-side comparison of 10 plans from insurers including Allianz, MSH China and NOW Health arrives in your inbox within minutes.
Which plan should I choose?
It usually comes down to three questions: Do you want cover at the premium international hospitals (like United Family or Parkway) or are quality private and public facilities enough? Do you need outpatient cover, or just protection against big hospital bills? And is your budget closer to ¥10,000 or ¥50,000 a year? A short call with one of our China-licensed consultants — free, no obligation — usually settles it quickly.
Get your instant quote or speak to an advisor. You can also read our full Buyers Guide to expat health insurance in China.