Health and Insurance in China
If you are looking forward to living in China for a while, health issues might not even be on your mind. Of course, we hope that your time abroad will be free of any kind of trouble whatsoever. However, as always, the old saying applies: proper planning does prevent many a problem later on. For this reason, it’s essential to read up on health and insurance in China. First of all, you should talk to your family doctor about required and recommended immunizations. In order to get booster shots for your standard vaccinations, you might also need to be vaccinated for a variety of illnesses. Moreover, you should make sure to pack a personal travel health kit and get a medical check-up before you leave. Also discuss common health risks in China with your physician. These include insect-borne diseases like malaria or dengue fever, avian influenza (aka "bird flu"), and especially ailments caused by air pollution.
Public Health Insurance for Expatriates?
Before you leave for China, it’s equally important to know how the Chinese healthcare system works. Ever since the social security and health insurance reforms of 2011, expats working in China may have to pay contributions to public healthcare and other state-run insurance schemes. If they have to contribute financially or if they are exempt from this kind of payment depends on local government regulations. For instance, in Beijing, foreign nationals need to pay a certain amount for all social security schemes, whereas the law hasn’t been implemented in Shanghai at all. However, paying contributions for China’s public healthcare system also gives these foreign residents access to medical facilities under the same conditions as Chinese citizens. This could be a cheap option for expats on a very tight budget. Most expatriates, however, prefer private clinics for several reasons – more on that below.
The Advantages of Private Healthcare in China
Healthcare facilities in China are very hospital-centric. Even for minor ailments, you just don’t go and see a general practitioner in your neighborhood. You need to consult a doctor at the nearest hospital or at a walk-in clinic instead. Private clinics and hospitals in China are aimed at affluent Chinese residents and well-to-do expats alike. Here, culture shock and language problems will be a minor obstacle at best, and the standards of medical care range from good to excellent. However, such quality often comes at a hefty price. This is why getting private health insurance for China is indispensable for most expatriates. But having a good insurance policy – including emergency transportation – can literally be a life-saver. Expat women might also feel more comfortable when they see an ob/gyn and discuss intimate issues without the language barrier intervening. The same applies to giving birth in China, as delivering a baby is always an overwhelming experience, even at home.