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How to solve the medical problems of expats in China? Do they have the same treatment as Chinese citizens? Let's find out.
First of all, China's medical service system consists of a variety of medical institutions, including non-profit public medical institutions run by the government and social medical institutions run by social forces (including foreign-invested medical institutions). Foreigners can choose to go to a medical institution on their own, and the cost is the same as that of Chinese residents. In addition, there are "120" call numbers throughout China for pre-hospital medical emergencies, and almost all hospitals have emergency departments to provide emergency medical treatment to patients in need. Therefore, foreigners enjoy the same rights and services as Chinese citizens when it comes to medical treatment.
Secondly, foreigners can also participate in the urban workers' medical insurance, and enjoy the same medical insurance treatment as other insured workers. According to the Social Insurance Law of the People's Republic of China and the Interim Measures for Foreigners Employed in China to Participate in Social Insurance, foreign workers who are legally employed in China shall participate in medical insurance. Foreigners can check the list of designated hospitals, coverage and reimbursement rates on the website of the local Human Resources and Social Security Bureau. At the same time, foreigners can also buy commercial medical insurance to cover risks not covered by insurance.
Commercial medical insurance usually covers the international medical department of private hospitals and some public hospitals, and can fully reimburse all medical expenses (including imported equipment and imported drugs, etc.). The insured age is generally around 18-65 years old, and there are special insurance products to buy under the age of 18. Generally, the insurance can be renewed until the age of 99, and some insurance products can also cover pre-existing conditions. The cost is based on coverage, age, and benefits. The purchase channel can be directly through the insurance company or through a broker. Often a broker can offer plans from multiple insurance companies, which can help select the right plan for the client's needs.
Generally speaking, the medical problems of foreigners in China can be properly solved, they can enjoy the same medical service rights as Chinese citizens, and they can also participate in medical insurance and buy commercial medical insurance to expand the scope of medical insurance. The purchase of commercial medical insurance mainly covers private hospitals and international medical departments, which can fully reimburse all medical expenses, and can also provide rescue services to help the insured provide professional transport services in the case of emergency medical transport.
sources from SFBC