Best International Health Insurance in China 2026
Find the best international health insurance in China. Alea’s insurance experts recommend the top 5 international health insurers for you. Get FREE Quotes!
Reviewed by a licensed advisor
Best insurers for international health insurance
No matter whether you are an expat who relocates from city to city, or just a frequent traveler who can't stay in one place, international health insurance is what you need to enjoy a carefree time abroad.
As your insurance broker, we have hand-picked the best options for you available in China*:
Insurer | Insurance plan | Price range |
|---|---|---|
MSH International | FIRST EXPAT | $$$ |
Morgan Price | EVOLUTION ASIA | $$$ |
AXA | GLOBAL HEALTH PLAN | $$$ |
Allianz Care | ROW | $$$ |
APRIL France | PREMIUM | $$$ |
*This list is compiled based on our research and doesn’t aim to be exhaustive.
Whether you are new to China, or planning to relocate elsewhere, healthcare access in your destination should be something on your radar. Are you prepared in case you fall ill or get injured during your time abroad? How well do you know the local healthcare system? How much is it to see a doctor in a public or private hospital there?
International health insurance is designed to provide comprehensive protection to people relocating abroad for a prolonged period of time, covering both emergency treatments and routine healthcare anywhere within the region of coverage. In short, it keeps you safe wherever you are in the world.
Our experts at Alea know all insurance products by heart and are here to recommend some top insurers for international health insurance with the best costs, coverage, customer experience, claim process and additional features. Discover your best options in China, sorted out by our team of experienced advisors.
An offshore plan which offers great coverage for expats looking for flexible portability option.
Affordable premiums
Flexible to cover pre-existing conditions
Available for expats only
Deductible applies accross all benefits
This budget-friendly option from Morgan Price covers you abroad with practical benefits.
Competitive pricing
Portable globally
Built in all in one plan
Exclusions only for pre-existing conditions
This rather costly option from AXA covers you abroad with practical benefits.
In plan flexible upgrade option
Possible coverage for minor pre-existing conditions
Portability option is available
Built in one plan
Deductible applies across all benefits
Expensive
Allianz Care and their ROW plans offer a good option for those who are seeking coverage in Hong Kong, China or Singapore as their residential country.
Good deductible discounts
Family discounts available
Deductible applies to inpatient only
No plan mix and match available
Pre-existing conditions are excluded
Special underwriting requirements for age 70 and above
April France Premium plan is one of the most attractive offshore options available on the market for expats looking for international coverage.
Most affordable option on the market
Good coverage for families
Offshore product
For expats only
How do we select these insurers?
We have closely worked with our 50+ insurance partners for many years and we know their products inside out. As an independent insurance broker, we choose to work with insurers with an excellent track record and sell only products that we believe in, tried and tested. The above recommendations are made by our board of licensed insurance advisors based on criteria including the costs, coverage, customer experience, claim process and additional features of each insurer. In short, we are not paid to make these recommendations.
The bottom line
Let’s be frank, there is no “best” insurer or “one-size-fits-all” insurance plan. Every product has its own strengths & weaknesses and it is important that you have them in mind before signing a policy, which certainly takes a lot of browsing, reading and comparing. But with Alea, rest assured that you will get peace of mind as simplify everything for you We tailor each recommendation to suit your specific needs and budget and provide unbiased advice on a case-by-case basis so you can find the best fit for your situation. Even better, our advisory service comes free of charge since we are remunerated via a commission on the insurance premium you pay directly to the insurance provider!
Get in touch with an advisor today for a detailed comparison of your insurance options!
For more information about China, such as the cost of healthcare in China, or the best expat family health insurance, feel free to check out our dedicated articles.
Do I need international health insurance?
International health insurance overall offers more comprehensive coverage than the vast majority of local plans in China. If you plan to stay overseas for a significant period of time, do carefully consider your choice of international health cover so that you can get the best health care services and treatments wherever you go. Some higher-tier plans can even cover items such as health checkups, dental and maternity benefits. In particular for Hong Kong, where private healthcare costs can be sky-high, health insurance can give you more flexibility to use private services and avoid the long waiting time at public hospitals.
Which global health insurance is best in China?
Our picks of insurers for global health insurance are: April France MSH AXA Allianz Care Morgan Price
Written by
Julien Mathieu
Co-Founder & CEO | Official CFE Representative
Need some help?
We’re here to provide support and assistance.
