Insurance Policy for China
China — the birthplace of tea, silk, and Feng Shui, where pagodas stand next to huge skyscrapers, high mountains transition into deserts, and vast plains. Here you can try beef-flavored candies, scorpion skewers, dried rats, and the popular snack "century eggs". Shanghai amazes with its scale and technological progress, in Chengdu pandas live in their natural habitat, in Zhengzhou you can visit the heavenly Shaolin Monastery, in Beijing the Great Wall of China Museum, and there is also Hainan Island, the Longmen Caves and numerous other attractions.
According to visa requirements for entering China, an insurance policy is necessary. The consulate does not have any special requirements for the insurance; heres whats needed: the policy must be valid for the entire duration of the trip, the details in the insurance must match those in the passport, and if several people are included in one policy, a copy of the insurance must be in each set of documents submitted by the visa applicants.
Touristic and Medical Risks in the Country
Gastronomy and Drinking Water
Tourists often want to try not only familiar dishes but also local delicacies, which can lead to
unfortunate consequences. Be careful with traditional Chinese sauces and spices, exotic food, try not to overeat, and take digestion-stimulating medications. Do not buy meat or fish dishes from street vendors, as products spoil quickly in the heat.
Tap water is not safe to drink without special treatment. Bottled water can be purchased at small shops or supermarkets.
Chinese people generally do not drink cold water; typically, there are taps with boiled hot water in public places, which is also served in restaurants before meals. According to local traditions, consuming hot water strengthens health and improves well-being. However, to drink regular tea, you will need to go to special tea houses, as cafes and restaurants will likely not serve it.
Language Barrier
It is recommended to carry a business card from your hotel with the address in Chinese or a card with your details filled out by a translator. Even if you are armed with a dictionary or phrasebook, communication with locals may not go smoothly. There are between 7 and 10 dialectal groups and 5 tones of pronunciation in China, so even residents from different provinces may not understand each other. However, its possible to encounter Chinese who understand Russian in the north of China, and those who speak English in the south, but this is not widespread.
Street Safety
China has one of the lowest crime rates in the world. However, tourists can become victims of pickpockets. Stay alert in markets, on public transport, in stores, at train stations, and airports. The targets for thieves are mobile phones, wallets, and cameras. Be cautious on the roads; traffic regulations in China are not strictly enforced, and pedestrians and drivers are only learning the culture of road traffic through widespread use of surveillance cameras and state-imposed fines. In China, you can become a victim of fraud: you might be provoked into an accident, accused of wrong actions, and demanded compensation, men can be deceived on dating apps when instead of a girl, a couple of strong guys-extortionists show up, and similar situations.
Features of Healthcare in China
Emergency Services
The single number to call for emergency services is 120. Ambulance services in China are called only in serious cases, namely, when a patient cannot be transported. The ambulance team does not provide treatment; their task is to transport to the nearest appropriate hospital. Emergency services are paid, and the final amount can only be determined upon arrival at the hospital, as it includes: call-out fee, mileage to the hospital, medical procedures performed in the vehicle (stopping bleeding, oxygen support, resuscitation, etc.) and consumables for these.
Public Hospitals
The main type of medical care for the population in China. People go to the hospital both for hospitalization and for outpatient treatment. All services are paid for, starting with the registration of your case. Public hospitals are cheaper than private clinics, perform the necessary minimum of tests but are equipped with high-tech equipment and are licensed to sell Western medicines. Foreigners should be prepared to pay at the maximum rate at the hospital, and a deposit equal to the estimated cost of treatment is required in case of hospitalization.
The downsides of public hospitals are the same as in most countries with public medicine: differences in the quality of services depending on the region, acceptance in order of urgency for urgent cases, and a large number of visitors. Public hospitals have almost no English-speaking specialists, so its better to come to the clinic with a Chinese acquaintance or at least a foreigner who speaks Chinese.
The cost of an outpatient doctors appointment ranges from approximately $15 to $30, but the price is not final and increases depending on the prescribed tests and medications. The cost of hospitalization per day, depending on the case, ranges from $450 to $1800.
Private Medicine
China is experiencing a boom in private medicine. There are large, state-of-the-art medical centers specializing in rehabilitation, plastic surgery, oncological diseases, etc., as well as small private clinics. Private medicine offers advantages over public healthcare: no queues in clinics, privacy during appointments, and English-speaking, internationally trained specialists. The reception at the simplest private clinic starts at $40. The downside of private medicine includes the prescription of many unnecessary examinations and medications, as the main goal of such clinics is to make money.
Traditional Chinese Medicine (TCM)
In China, TCM is officially recognized as part of the medical field. Therefore, it is quite possible that when seeking help, a doctor will prescribe you Western medicines in addition to TCM medications and manipulations. This could include acupuncture, needle reflexotherapy, osteopathy, manual therapy, hirudotherapy, chiropractic, homeopathy, phytotherapy, and naturopathy. If you have a travelers insurance policy, its important to understand that TCM treatments are not covered by the policy, and the expenses for them cannot
be compensated.
Pharmacies
In China, pharmacies are not marked with the usual symbols, such as the medical cross or a bowl with a snake. The signs simply have a green color. Pharmacies can be divided into three types: TCM pharmacies, mixed-type pharmacies, and pharmacies focused on Western medicines and their Chinese equivalents. There are large chains and small pharmacy points.
Most pharmacies do not operate around the clock. If you urgently need medication, it can be purchased at the nearest hospital open 24/7. You can also see a doctor there if they refuse to sell you the medication without a prescription.
If an Insurance Case Occurs:
1
Provide the name, surname of the injured person, insurance policy number, and your location, along with the contact phone number
2
Describe what happened, how urgently assistance is needed, and briefly describe the problem
3
We will arrange for a doctor to come, direct you to the nearest clinic, or call for emergency assistance
Clinics
If you have visited a clinic independently, you will most likely have documentation in Chinese. To receive compensation, it will be necessary to translate it. Our service company in China engages local partners for providing medical assistance; they find it easier to communicate with local doctors, including translating medical documentation from Chinese to English for coordination with the claims department. Below are examples of clinics we work with:
Beijing International (SOS) Clinic
Beijing Oriental American-Sino Hospita
Beijing TIANTAN PUHUA Hospital
Beijing Union Medical College Hospital
Beijing United Family Hospital
Shanghai East International Medical Center
Shanghai First Peoples Hospital
Shanghai SinoUnited Hospital
Raffles Hospital Shanghai
Rui Jin Hospital
United Family Guangzhou Hospital
Eur Am International Medical Center
Foresea Life Insurance Guangzhou General Hospital
Сlifford hospital
Jinshazhou Hospital of Guangzhou University of Chinese Medicine