How to plan foreigners' insurance in China

Since the reform and opening up, the rapid economic and social development in China has attracted the attention of countless foreigners. The number of foreigners living, working and entertaining in China is increasing year by year, with an average annual growth rate of about 10%. However, foreigners coming to China may face more risks due to language barriers and unfamiliar environment. Therefore, no matter what purpose foreigners come to China for, they should take out an appropriate insurance policy. As for how to plan, let's learn about it with this article.

How to plan foreigners' insurance in China

Foreigners come to China to buy insurance for different purposes.

One: Accident insurance is essential for foreigners who come to work in China.

Foreigners who come to work in China may encounter more unexpected risks when they come to a strange country. Therefore, foreigners working in China are advised to buy a suitable accident insurance product. However, insurance companies have certain regulations for foreigners working in China to purchase accident insurance. Generally speaking, they are required to have a regular job and spend at least 50% of their time in China. For foreigners who come to work in the mainland for a short time, it is suggested that they can choose a short-term accident insurance to ensure working hours. If you work in China for a long time, you may wish to buy a long-term consumer card product with additional accident protection and medical insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

Two: Foreigners who have settled in China should have comprehensive insurance.

For foreigners who come to settle in China, it is necessary to comprehensively consider various factors when building an insurance protection plan. It is recommended to give priority to accident insurance and health insurance, and you can choose a single consumer card, which has both accident protection and critical illness care. Of course, foreigners with high security requirements can purchase accident insurance and health insurance separately. Considering the domestic medical level and medical expenses, the current average treatment cost of major diseases is about 654.38+10,000 yuan. Therefore, it is more appropriate for foreigners to choose the critical illness and critical illness insurance coverage of 6.5438+10,000 yuan to 200,000 yuan. In addition, foreigners who have settled permanently in China can appropriately allocate an investment and wealth management insurance to increase their income while enjoying the protection. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!

Foreigners visiting China can choose travel insurance.

The ancient oriental culture and the magical land of China have attracted countless foreigners to visit China. For foreigners visiting China, because they don't know the domestic situation, they are vulnerable to accidental injuries. Therefore, it is recommended to buy a suitable travel insurance. When purchasing travel insurance, if the travel routes and destinations are mature tourist routes and scenic spots, you only need to choose a short-term accident insurance covering the whole travel period because of the high safety factor. In addition, foreigners like taking risks, challenging themselves and taking part in some high-risk sports. When buying travel insurance, it is best to choose products that can guarantee high-risk sports and add emergency services. How about Huaxia insurance? I just sorted out the relevant contents, hoping to help you: how about Huaxia Life Insurance? Do you have any insurance recommendations?

Finally, I need to remind everyone that medical expenses are inevitable for both China people and foreigners in case of accidents and diseases. Therefore, medical insurance must be strengthened. You can choose a separate hospitalization medical insurance, or you can choose a medical product with hospitalization allowance.

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