International private medical
Global insurers with direct billing at international hospitals in Shanghai. Ideal for expats who want English support, repatriation, and worldwide portability.
Health Insurance for China Expats
Compare plan types and request a personalised quote - for solo arrivals, families, or employer cover reviews.
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- ✓ Individual, family & corporate
- ✓ International & hybrid plans
- ✓ Reply in 1–2 business days
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International hospitals
English-friendly care
Individual & family
Plan types
Direct billing
At major clinics
Free quote
No obligation
Types of health insurance for expats
Shanghai has excellent public and private healthcare. Most international residents use private insurance for predictable access, English support, and direct billing at clinics they trust.
Local + international hybrid
Plans that combine China mainland hospital networks with access to private international clinics - often a balance of cost and convenience.
Employer group schemes
Many companies provide group cover for assignees. Understand what is included before relying on it alone - gaps in dependants or outpatient cover are common.
What to compare before you buy
- ✓ Inpatient and outpatient limits
- ✓ Direct billing at your preferred hospitals
- ✓ Maternity, dental, and mental health cover
- ✓ Geographic scope (Shanghai only vs mainland China vs worldwide)
- ✓ Pre-existing condition waiting periods
- ✓ Evacuation and repatriation benefits
- ✓ Annual deductible and co-pay structure
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Common questions
Do I need health insurance as an expat in Shanghai?
Most expats choose private cover for predictable access to English-speaking doctors, international hospitals, and direct billing. Public healthcare is available but navigation and language can be challenging for newcomers.
How long does a quote take?
We typically respond within one to two business days with plan options matched to your profile. Complex family or corporate cases may take slightly longer.
Can I cover my spouse and children?
Yes. Select Family coverage in the quote form and list everyone who needs cover. Premiums depend on ages, nationality, and benefit level.
Is this medical or legal advice?
No. This page is general information for expats. Policy terms vary by insurer - always read your schedule of benefits and confirm details before purchasing.
Questions about cover?
Browse our health directory or read our guide to international hospitals in Shanghai.