Best CFE Top-Up Insurance in China (2026)
Find the best CFE top-up in China. Our experts recommend the best international health insurance plans.
Reviewed by a licensed advisor
What Are the Best CFE Top-Up Insurance Plans?
Whether you are an expat in China or moving there soon, a CFE top-up gives you stronger protection while keeping the benefits of the Caisse des Français de l’Étranger (CFE). In China, medical care can be expensive, particularly in international private hospitals, where the CFE does not always cover the full cost. The right top-up insurance gives you optimal reimbursement and simpler access to care.
As a leading expat health insurance advisor, we have selected the best CFE top-ups for China in 2026*:
Insurer | Plan Name | Price Range |
|---|---|---|
APRIL France | Ma Santé Internationale | $$$ |
Henner | Expat Santé | $$ |
MSH international | Relais Expat+ | $$ |
**(This selection is based on our own research and is not intended to be exhaustive.)
Understanding the Chinese healthcare system is essential. The CFE gives you a base level of reimbursement, but it is not always enough to cover medical costs, particularly in private clinics and hospitals where fees are higher.
Taking out CFE top-up insurance gives you full cover, fast reimbursement and greater freedom in choosing healthcare facilities.
Our experts at Alea know the available insurance solutions inside out and recommend the best CFE top-ups in China, taking into account price, cover, customer service, ease of reimbursement and additional benefits.
Below is our selection of the best CFE top-ups for 2026 in China, carefully put together by our team of experts.
The April France plan, although expensive, is one of the most attractive offshore options on the market for expats looking for international cover.
High levels of cover
Good cover for alternative medicine
Good mental health cover (psychiatrist, psychologist and psychotherapist)
High prices
Claim processing times and follow-up
Henner offers generous international health cover with very good customer service, although the plan cannot be customised.
Very competitive premiums for the CFE top-up
Good service and claim processing times
The maternity limit only includes childbirth; prenatal and postnatal care are covered under the outpatient benefits
Plans come as fixed packages and cannot be customised
3-month waiting period for hospitalisation and outpatient care (except accidents and emergencies)
Cover not renewable for life
Relais Expat + is an offshore plan offering excellent cover for expats looking for a high level of benefits.
Good levels of benefits
Good cover for alternative medicine
Direct billing available for outpatient expenses within the partner network on the Diamond level
Online claims limited to €1,000 per claim
12-month waiting period for psychiatric treatment; psychologists are not covered
We have worked closely with more than 50 insurance partners for many years and know their products inside out. As an independent advisor, we choose to work with insurers that have proven themselves, and we only sell products we trust that have been tested and approved. The recommendations above are made by our insurance advisors, based on criteria such as cost, cover, customer experience, the claims process and each insurer's additional features. In short, we are not paid to make these recommendations.
Compare 50+ insurers at the best price
In summary
Let’s be frank: there is no “ideal” insurer and no one-size-fits-all insurance plan. Every product has its own strengths and weaknesses, and it is important to know them before taking out a policy, which takes a lot of research, reading and comparison. But with Alea, you can relax: we make it all simple for you.
We tailor every recommendation to your needs and budget and give you impartial, case-by-case advice so you can find the solution best suited to your situation. Even better, our advice is free: we are paid through a commission on the insurance premium you pay directly to the insurer!
Contact an advisor today for a detailed comparison of your insurance options!
For more information on how the healthcare system works in China, see our dedicated articles: Health Insurance in China, Healthcare Costs in China.
Written by
François Bossé
Insurance Advisor
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