Insurance in China

Short Intro. 

When working or living in China as a foreigner, your safety and healcare becomes a more important concern than usual. Even though you have bought insurance in your home country before your trip, a second insurance is also strongly suggested. ForeignHR provides insurance service for international friends in China. This insurance is designed by PICC, the leading China insurance company for foreigners in China, including dread disease security, in and out patient insurance, accident injury insurance, and health management service. It is a comprehensive medical insurance for you, only 1680RMB for the whole year. Also it could be provided by a short term, like 3months, 6months. Here below is the details.

Simplified List of Insurance Benefits:

Coverage sort	Details	Maximum fee amount/ amount insured	Remark
Dread diseases insurance	30 kind of dread  diseases listed	100,000 RMB	Holding term	Dread disease caused by accident	None
				Dread disease caused by another disease	30 days
In-patient treatment insurance	According to the reasonable payment limit of the basic social medical insurance in China.	50,000 RMB	Expenses will be reimbursed by 85%.Average Hospital bed allowance is 100 RMB per day.
Accident injury insurance	Accident burnt Accident injury Accident death	200,000 RMB	The payment proportion of the accident burnt and accident injury will accord to the degree of injury
Out-patient/emergency insurance	According to the reasonable payment limit of the basic social medical insurance in China.	5,000 RMB	Expenses will be reimbursed by 80% after we keep 1,000 RMB deduction.
Health management service	Individual health evaluation service		Analysis of the evaluation to your health once a year
	Health messages service		Health reminder service twice a month
	Health information service		Mail you readings about health aperiodically

In Detail: 

Ⅰ. Dread  Disease  Security

If  the 30 dread diseases listed below occurs for the first time and if this is caused by illness(30 days after the insurance takes effect) or an accident, you will be reimbursed with 100,000 RMB. 

The certain 30 dread diseases are:
1、Malignant Tumor
2、Acute Myocardial Infarction
3、Apoplexy
4、Chronic Renal Failure
5、Third Degree Burn
6、Aplastic Anemia
7、Fatal Organ Transplantation
8、Chronic Hepatic Failure
9、Chronic Respiratory Failure
10、Primary Pulmonary Hypertension
11、Systemic Lupus Erythematosus
12、Benign Brain Tumor
13、Serious Senile Dementia(including Alzheimer's Disease )
14、Parkinsonism
15、Serious Head Injury
16、Spinal Paralysis
17、Ablepsia
18、Multiple Sclerosis
19、Limb Deficiencies
20、Aorta Surgery
21、Motor Neuron Disease
22、Muscular Dystrophy
23、Acute Hemorrhagic Necrotizing Pancreatitis
24、Crohn Disease
25、Fulminant Hepatitis
26、Hearing Loss
27、Language Dysfunction
28、The Coronary Artery Bypass Surgery
29、The Heart Valve Replacement Surgery
30、Stupor

Ⅱ. In-patient Treatment 

Reasonable expenses of in-patient treatment (caused by illness or an accident, and diagnosed by a doctor) will be reimbursed by 85%.The indemnity limit is 50,000 RMB.

Ⅲ. Accident Injury Insurance

Burns and disabilities caused by an accident will be reimbursed reasonably according to the degree of injury. Accidental death will be reimbursed with 200,000 RMB.

Ⅳ. Out-patient Treatment 

Reasonable expenses of out-patient treatment caused by illness or an accident will be reimbursed by 80% after we keep 1,000 RMB deduction. The indemnity limit is 5,000 RMB.

Ⅴ. Health Management Service

ⅰ.Individual Health Evaluation Service
According to your health state, our health experts will make an evaluation of your health and analyse the possibility of some chronic diseases, explicitly point out critical factors of your health at present, and put forward a suggestion for improvement.

ⅱ.Health Messages Service
According to your health state and requirements, we provide helpful messages for you, including information about health protection, nutrition, exercise, medical care and reminder of appointments for medical treatment.

ⅲ.Health Information Service
PICC Health will aperiodically send you a newsletter including information about health and disease prevention to instruct you in your daily life.

Notes：

Ⅰ.If the insured for dread diseases was reimbursed, the Dread Diseases Insurance responsibility ceased simultaneously.

Ⅱ.The In-patient Expenses include the couch rent, medicine cost, paramedic, diagnosis and treat expense, examination and assay, operation.

Ⅲ.Accidental death and disability in Accident Injury Insurance refer to the death and disability happened within 180 days after an accident. The total of Accident Injury Insurance amount is limited to 200,000 RMB.

Ⅳ.Out-patient Expenses also include the couch rent, medicine cost, paramedic, diagnosis and treat expense, examination and assay, operation.

Ⅴ.The range of Hospitalizing: the ordinary room or ordinary out-patient/emergency treatment of the Basic Social Medical Insurance assigned hospital all over the Chinese Mainland. 

Ⅵ.All the liabilities of Out-patient/emergency and In-patient are according to the local Basic Social Medical Insurance of China.

More enquiries, please email to service@foreignhr.com.