If you've searched Google for private medical insurance that covers expats in China then you are probably for looking for trusted UK based health insurance providers that can cover your medical expenses in China.
Living as an expatriate in China you want to avoid any unwanted and unexpected health care costs. In some countries these can run into hundreds of thousands of pounds for very serious medical conditions.
Our advice when looking for health insurance that covers expatriates living in China is to speak to a insurance broker. Health insurance is very complex and if you want absolute certainty that China is covered by your policy you should talk with a medical insurance broker who can explain which policy providers will cover medical expenses for expatriates in China and which will not.
There are many advantages to using a insurance broker but the largest by far is that you're using their industry experience at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their brokering services.
- Do you live in many different postcodes? Some will give you a lower policy premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance policy? A broker will know this vital information.
- If you are a couple and one of you has claimed on your insurance policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've lean't you're at risk of developing a certain medical condition and want to know which policy provider offers the biggest amount of cover for it. A broker will know this instantly saving you so much time and effort.
You can call around every medical insurance provider you can find and ask if they provider cover for expats in China, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one health insurance broker which will know which policy providers on the market offer cover for expats in China and under what terms they do or don't cover it.
Tourism in China is a growing industry that is becoming a significant part of the Chinese economy. The rate of tourism has greatly expanded over the last few decades since the beginning of reform and opening-up. The emergence of a newly rich middle class and an easing of restrictions on movement by the Chinese authorities are both fueling this travel boom. China has become one of world's largest outbound tourist markets.
China ranked second in the world for travel and tourism's contribution to GDP in 2014 ($943.1 billion), and first in the world for travel and tourism's contribution to employment (66,086,000 jobs in 2014). Tourism, based on direct, indirect, and induced impact, accounted for 9.3 percent of China's GDP in 2013.
Since 2012, tourists from China have been the world's top spender in international tourism, leading global outbound travel. In 2016, the country accounted for 21% of the world's international tourism spending, or $261 billion. (Do note that the stats include journeys made to the special administrative regions of Hong Kong and Macau, as well as Taiwan; in 2017, these accounted for 69.5m of the so-called "overseas" journeys.) As of 2018, only 7% of Chinese had a passport, so the "potential for further growth is staggering", according to a UK news report.
Between 1949 and 1974, the People's Republic was closed to all. In the late 1970s, when Deng Xiaoping decided to promote tourism vigorously as a means of earning foreign exchange, China started to develop its tourism industry. Major hotel construction programs greatly increased the number of hotels and guest houses, more historic and scenic spots were renovated and opened to tourists, and professional guides and other service personnel were trained.
The expansion of domestic and international airline traffic and other tourist transportation facilities made travel more convenient. Over 250 cities and countries had been opened to foreign visitors by the mid-1980s. Travellers needed only valid visas or residence permits to visit 100 locations; the remaining locales required travel permits from public security departments. In 1985 approximately 1.4 million foreigners visited China, and nearly US$1.3 billion was earned from tourism. In 2015, China was the fourth most visited country in the world, after France, United States, and Spain, with 56.9 million international tourists per year. In 2017, tourism contributed about CNY 8.77 trillion (US$1.45 trillion), 11.04% of the GDP, and contributed direct and indirect employment of up to 28.25 million people. There were 139.48 million inbound trips and five billion domestic trips.
China has become a major tourist destination following its reform and opening to the world in the late 1970s instigated by Deng Xiaoping. In 1978, China received about 230,000 international foreign tourists, mostly because of the severe limitations that the government placed on who was allowed to visit the country and who was not.
Data from 2016 showed that the majority of foreign visitors hailed from Asian countries with South Korea being the top source country for China inbound tourism. Among the number of tourist arrivals, a substantial 81.06 million are from Hong Kong, 23.5 million from Macau and 5.73 million coming from Taiwan. The number of foreigners visiting China in the same year, was 28.15 million.
Some form of Chinese is virtually universal in China, with Mandarin as the standard form and many other varieties also in use; some, like Cantonese and Shanghainese, have tens of millions of speakers. Although the vast majority of Chinese do not speak English, due to the educational system, many Chinese near and in urban areas can read and write it, even though they may have difficulty with spoken English.
Mount Tai (Tai Shan) in the east, Mount Hengshan in the south, Mount Hua in the west, Mount Hengshan in the north, and Mount Song in the center of China have been called the Five Sacred Mountains since antiquity. The Taishan massif, which snakes through central Shandong, is admired by Chinese as paramount among them. Another mountain celebrated for its beauty is Huangshan in southern Anhui, known for its graceful pines, unusual rocks, cloud seas and hot springs.
Jiuzhaigou, Huangguoshu Waterfall, and Guilin are all located in southwestern China. Jiuzhaigou in northern Sichuan is a beautiful "fairyland valley" running over 40 km through snow-covered mountains, lakes, waterfalls, and forest. The Huangguoshu Waterfalls in Guizhou are a group of waterfalls, 18 above-ground and four below, which can be heard from five km away. The Li River in Guangxi Zhuang Autonomous Region winds its way through karst peaks for 82 km between Guilin and Yangshuo.