Best Expat Family Health Insurance in China 2025
Recommendations by licensed insurance experts.
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Best insurers for family health insurance
Shopping around for health insurance on behalf of your family?
Our experts at Alea have hand-picked the best options for you. Let's get started.
| 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.
Family always comes first. Speaking of health, it is important to have the right protection in place so you and your loved ones won't be left in despair should any unexpected health condition arises. The right health insurance will help you cover the costs of medical treatments, doctor visits, emergency care and sometimes maternity and other expenses specified by the policy, to keep your mind off all these troubling numbers.
Rest assured that you're in good hands as our team of advisors goes out of their way to cater to your family's needs. Our experts at Alea know all insurance products by heart and are here to recommend some top health insurers for families with the best costs, coverage, customer experience, claim process and additional features.
Here's to saving you precious time and money from any less-than-informed insurance decision.
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
- Exclusion 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
- Deductible applies across all benefits
- Built in one plan
- 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
- Allows global portability
- 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 25+ 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 we 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!
What makes us different
We bring you more, at no extra cost
 Traditional Broker Traditional Agent | |||
|---|---|---|---|
| Choice of 25+ insurers at the best price | |||
| Choice of 25+ insurers at the best price |  | |  |
| Extensive audit of your current insurance | |||
| Extensive audit of your current insurance | | | |
| Unbiased advice | |||
| Unbiased advice | | | |
| Dedicated customer care all year long | |||
| Dedicated customer care all year long | | | |
| Health & wellness perks | |||
| Health & wellness perks | | | |
Do I need family health insurance?
This has a lot to do with whether you are using healthcare services in the public or the private sector, of which costs can vary greatly. In essence, if you want to rely on private healthcare and avoid the often long waiting time at public hospitals, you are advised to get a medical insurance plan that can cover the high costs of treatment in private hospitals and doctors. Some higher-tier plans can even cover items such as health checkups, dental and maternity benefits.
The best time to get health insurance is when you are still young and healthy, free from any pre-existing conditions that may be excluded by insurers.
Which family health insurance is best in China?
Our picks of insurers for family health insurance are:
- April France
- AXA
- Allianz Care
- MSH
- Morgan Price
