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Health Insurance in China

Whether you're moving to China, already living there as an expat or having international teams, Alea helps you find the right health insurance plan from the world’s leading insurers.

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~700K

Foreign nationals living in China

World-class

Private hospital network in China

50+

Insurers available

CFE 🇫🇷

CFE Top Up plans available in China

Insurance plan

What's Available

Individual Health Insurance

International or local plans for individuals and families. Worldwide cover, outpatient options, maternity add-ons.

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Individual Health Insurance

International or local plans for individuals and families. Worldwide cover, outpatient options, maternity add-ons.

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Group Health (Companies)

From 2 employees and up. Multi-country setups, flexible benefit structures, HR dashboards included.

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Group Health (Companies)

From 2 employees and up. Multi-country setups, flexible benefit structures, HR dashboards included.

Start with Free

Family Plans

Comprehensive cover for couples and families with children. Family discounts available across most insurers.

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Family Plans

Comprehensive cover for couples and families with children. Family discounts available across most insurers.

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How It Works

Three steps, one advisor, free service.

Tell Us About You

We Compare Plans

You Choose We Handle the Rest

Healthcare System

Healthcare in China

China Healthcare at a Glance

China operates a highly uneven healthcare system. Public hospitals specifically top-tier "Class 3A" facilities offer the best medical expertise at affordable rates, but suffer from extreme overcrowding, complex bureaucracy, and a severe language barrier, as English is rarely spoken by staff.
Most expats rely on international clinics or "VIP wings" (Te Xu) of public hospitals, or premium private networks like United Family or Jiahui for immediate, Western-standard care. However, these international-standard medical costs are exceptionally high, making premium health insurance essential.

Key Private Hospitals

United Family Healthcare (UFH), Jiahui Health, Parkway, and OASIS are China's most expat-friendly options all internationally accredited (JCI) with premium facilities, multi-city networks, and fully bilingual English-speaking specialist departments.

Why private insurance matters

A single hospitalisation at an international private facility in China can easily run RMB 50,000–RMB 150,000+ without cover. To bypass the intense overcrowding, complex bureaucracy, and severe language barriers of the public system, most expats consider private health insurance essential, not optional.

Visa & insurance requirements

China does not universally mandate private insurance for all entry visas. However, with an increasing number of cities requiring medical coverage proof for local residence permits, Alea can provide the exact certified documentation needed to secure your compliance and protection before you move.

Our Partners

Insurers for

China

CFE Coverage in

China

Are you a French expat? Alea finds competitive insurance options for you, with or without CFE coverage - at a lower price than full expat plans. We are an official partner of the CFE (Caisse des Français de l'Etranger). Talk to us!

See CFE Plan

What Our Clients Say

Thousands of clients trust Alea.

Alea's team really sets the standard for client and advisory service, and goes beyond to provide timely health tips and advice from experts. I could not recommend Alea more highly.

Anne C

The service by Alea has been exceptional from start to finish. The team is attentive, professional, warm and adaptable. I highly recommend Alea to those looking for health coverage.

Kathleen L

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

Carlos G

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

CD, COO, Asset Management Company

Need some help?

Talk to an expert who really helps you

Talk to an Advisor

What Our Clients Say

Thousands of clients trust Alea.

Alea's team really sets the standard for client and advisory service, and goes beyond to provide timely health tips and advice from experts. I could not recommend Alea more highly.

Anne C

The service by Alea has been exceptional from start to finish. The team is attentive, professional, warm and adaptable. I highly recommend Alea to those looking for health coverage.

Kathleen L

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

Carlos G

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

CD, COO, Asset Management Company

Need some help?

Talk to an expert who really helps you

Talk to an Advisor

What Our Clients Say

Thousands of clients trust Alea.

Alea's team really sets the standard for client and advisory service, and goes beyond to provide timely health tips and advice from experts. I could not recommend Alea more highly.

Anne C

The service by Alea has been exceptional from start to finish. The team is attentive, professional, warm and adaptable. I highly recommend Alea to those looking for health coverage.

Kathleen L

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

Carlos G

Alea has been such a great help to navigate a wide range of offers and identify the best insurance for our needs. Quality after sales service is also much appreciated.

CD, COO, Asset Management Company

Need some help?

Talk to an expert who really helps you

Talk to an Advisor

FAQ

Frequently Asked Questions

How do we choose the providers we work with?

Working with trustworthy health insurance providers is fundamental to our business. We work with both Hong Kong-based and international health insurance providers. For any offshore plans recommended, we ensure all providers are subject to regulations that both Alea and its customers hold in high regard.

How do you stay on top of their products?

We know our products from top to bottom! Alea advisors are not only rigorous and detail-oriented, they also receive weekly training sessions with the insurance providers we work with. We’re in constant conversation with our partners to stay abreast of any and all updates, keeping our communication mutually open and transparent.

Why does choice matter?

Providing choice is incredibly important for a number of reasons, including that your needs and personal situation may change over time. Maternity, child cover, planning for retirement, the onset of a chronic illness - we can't always plan for exactly how life will unfold. Additionally, some health insurance products may simply become too expensive over time.

How do we recommend one provider versus another?

There is no “best” insurer and there is no “one-size-fits-all” health insurance plan. Every product has its own strengths & weaknesses and because we know them all by heart (it's our specialty!), we know - for instance - which plans are more flexible on pre-existing conditions or which may be discontinued. Each proposal and recommendation is tailored to suit your own needs and situation.

Why do close relationships matter?

Trust is pivotal to our business and we maintain close relationships with each of our 25+ providers, working with them hand-in-hand to make sure you receive the best service and outcomes. These relationships mean we can better advocate for you when you are facing a difficult claim issue. Our multiple points of contact enable us to resolve any critical issues that may arise.

Have we ever stopped working with a provider?

Absolutely. We’ve ceased relationships with insurance providers whose products we believed to be unsustainable and with some who’ve made business decisions we felt were unfair and/or unfavourable to our clients. When making such decisions, we carefully analyse facts and data and undertake robust internal consideration.

How do we stay independent?

The Code of Conduct For Licensed Insurance Brokers specifically mentions that our fiduciary duties are owed to clients. While there are insurance providers we work with more than others, no one partner represents more than 20% of our total revenues. We partner with 25+ insurance providers, allowing us to provide choice and remain completely independent. We don’t work for insurance providers, we work for you.

What is our business model?

As brokers, we receive a percentage commission of the insurance premium you pay directly to the insurance provider. This commission is automatically included in the premium, not in addition to it. It is not less expensive to buy direct from the insurer! The advisory services we provide to you are free of charge. For individual and family plans, the average commission rate we receive each year varies between 15-20% of the annual premium. For group employee health benefits (group schemes), commission rates generally vary between 10-15%.

How do we choose the providers we work with?

How do you stay on top of their products?

Why does choice matter?

How do we recommend one provider versus another?

Why do close relationships matter?

Have we ever stopped working with a provider?

How do we stay independent?

What is our business model?

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Expert, human advice

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Ready to find your plan?

Switch to Alea

Talk to an Advisor

Free, no-obligation quote

Expert, human advice

Save time & money

Ready to find your plan?

Switch to Alea

Talk to an Advisor

Free, no-obligation quote

Expert, human advice

Save time & money