Health Insurance and the Healthcare System of China.
How Does the Healthcare System Work in China?
China does have free public healthcare which is under the country’s social insurance plan. The healthcare system provides basic coverage for the majority of the native population and, in most cases, expats as well. However, it will depend on the region you reside in. As some areas don’t require their foreign residents to support the local healthcare system by paying the appropriate taxes, those residents will not be covered by public healthcare.
Medical insurance can be broken down into three subcategories: basic cover for urban enterprise employees, basic cover for other urban residents, and rural cooperative medical insurance for the farming population.
In China, urban employee basic medical insurance is obligatory insurance and the healthcare costsare paid by the employer and employee. Although the contributions to it vary from one municipality to another, they are usually 6% of the salary cost for the employer and 2% of the salary for the employee. The self-employed can also benefit from this insurance but must make all contributions.
For non-enterprise residents, health insurance is paid for by themselves and the state. For the unemployed or those on social assistance, insurance is subsidized by the state.
Some of the Chinese private insurance companies include:
International healthcare providers usually cater to the needs of expats. They should be able to provide the necessary information in English, however, the choices in their policies can be limited and they aren’t always able to cover you for expenses in some hospitals. Therefore, make sure you fully understand what is covered by your plan
Some of the companies include:
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Post by- Karuna