China Travel Insurance

Secure Your Trip to China with the Right Travel Cover

Located in East Asia with five millennia of history, China is the third-largest country in the world with the highest population. Every year thousands of people visit the place to experience its rich culture and old civilization. Metropolises like Shanghai, Beijing, Hong Kong, Forbidden City, Xi’an, and Chengdu are always the centre of attractions for the tourists. From green paddy fields and hilltops in the southwest to the epic scenes of the Old Silk Road in the northwest and the superior Tibet, all delight you in China.

However, in order to create lasting memories from each trip, it is best to travel safely with a comprehensive China travel insurance plan. Care Health Insurance brings you a travel insurance plan that gives you the best protection during any medical or non-medical exigency. From immediate cashless hospitalisation to reimbursement for loss of checked-in baggage, trip delay/cancellation, assistance in case of loss of passport, etc., we cover you for major travel risks to make your trip safe at an affordable premium.

Is Travel Insurance for China Mandatory?

As China continues to establish itself to be a dominant economic force in the global market, it is unsurprising that travel between the West and the Far East is increasing. While it is not mandatory for visitors, purchasing travel insurance for China is strongly advised. One of the most important reasons to buy a plan is to ensure that you and your travelling companions are protected during a travel emergency. Whether you are planning to visit China for tourism, business, or study purposes, you must buy China travel insurance. It is the safest idea that brings peace of mind to you.

Explore Asia - Travel Insurance for China

Care Health Insurance offers a comprehensive travel cover for China under Explore Asia- an exclusively designed policy that takes care of you while travelling either for vacation or business.

Care travel policy comes with numerous benefits to help you deal with unexpected medical and non-medical expenses in an unknown nation.

Features of Buying China Travel Cover

No matter what your travel purpose is, we've got you covered to make your journey joyous and stress-free. Summarising below the features of opting for the best travel insurance for China:

• Affordable Premium: The travel policy for China fits your travel budget by offering an affordable premium without cutting down on other essentials.
• Automatic Trip Extension: The policy automatically extends travel cover up to 7 consecutive days during prolonged hospitalisation, natural calamity, or unfortunate demise.
• Cashless Claim Processing: Our wide network of healthcare providers help you avail of a cashless in-patient care facility by simply calling us during emergencies.
• All-inclusive Protection: Whether you need healthcare services or assistance during a loss of checked-in baggage, we have got your back at every step of your journey.
• Useful Add-on Benefits: The policy helps you customise and secure frequent and long-duration trips with optional covers like PED coverage, refund of visa fees, etc.

*Please refer to the brochure for more details on product features.

Travelling Insurance China Policy Details

*Family option is only available on Single Trip Policies.

Please refer to the prospectus for more details on eligibility.

What is Covered Under Travel Insurance for China?

We offer comprehensive travel insurance policies. Below is what all we covered under China travel insurance:

• Emergency hospitalisation: In case you find yourselves in a medical emergency that requires hospitalisation, the travel insurance plan for China will provide you with complete cover encompassing IPD and OPD expenses.
• COVID-19 Coverage: Our travel insurance plans also cover hospitalisation in a foreign country due to coronavirus.
• Personal Accident: We will compensate up to 100% of the sum insured in the event of the death. Permanent Total Disability is also covered up to 100% depending on the injury.
• Treatment in Your Home Country: In case you require further treatment in your home country, there is coverage for expenses for up to 30 days or up to the policy end date, whichever is earlier.
• Medical Evacuation: Get cover during an emergency when there is a need for medical evacuation to the home country.
• Trip delay, Cancellation, or Interruption: You will get compensation for the trip delay, cancellation, or interruption up to the sum insured and subject to policy terms and conditions.
• Loss of Passport and Checked-in Baggage: Get coverage for loss of checked-in baggage or delay of checked-in baggage. In case of loss of passport, the plan offers a fixed amount to obtain its new or duplicate copy.
• Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage under the China travel insurance policy.

*Refer to the policy documents for more detailed information regarding the Coverage.

What is Not Covered in China Travel Insurance?

Comprehensive travel insurance provides you the maximum coverage against all your travel risks. However, there are some situations guided by IRDA that are considered as exclusions, and no claim is provided for the same. Check below our exclusion list:

• Drug Misuse: Expenses arising out of or attributable to alcohol or drug use/misuse/abuse by the insured members during the course of the trip.
• Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self leading to hospitalization or death shall not be covered.
• Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.
• World War: Any medical or non-medical expenses arising out of national or international war or nuclear perils or consequences thereof.
• Hazardous Activities: Any claims relating to hazardous activities like fire stunts, etc., that are otherwise not mentioned in the policy documents.
• Dental Treatment: The policy will not cover the expenses of any planned dental treatment or surgery unless necessitated due to any acute pain.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is the Premium for China Health Travel Insurance?

The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected.

The travel insurance plans for China offered by Care Health Insurance are pretty affordable and budget-friendly. CHI's travel healthcare insurance premium for China starts from as low as around Rs. 511* for a single traveller on an 11-day-long visit.

For instance, if you are travelling from India to China on an 11 day, one-time visit, the approximate premium cost of your travel insurance with a sum insured of $50k is calculated as below:

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

How to Calculate China Travel Insurance Premium with Care Health Insurance?

You can calculate your China travel insurance premium cost in these five easy steps with us:

Step 1: Visit the official website of CHIL, go to the ‘travel insurance’ section and click on ‘Get Quote’ option. Enter your contact information, including your mobile number, name, and email address, followed by the age of all the members to be insured.

Step 2: Click ‘Next’ and select your travel destinations and travel date. Your policy period will be the same as the number of your travel days.

Step 3: Check in the toggle if the insured members are dealing with any pre-existing medical conditions.

Step 4: Choose the Sum Insured. Care Travel Health Insurance provides two sum insured options: $50k and $100k.

Step 5: Check your calculated premium and click ‘Buy Now’ to proceed.

Please note: The exact premium cost for China travel insurance is subject to several factors, including the number of travellers, their age, destination country/countries, trip duration, and the type of coverage selected.

Things to Keep in Mind Before Buying China Travel Insurance

When selecting travel insurance for China or any southeast Asian destination of your choice, you must ensure that the plan suits your requirements. Here are the factors to be considered:

• Nature of the Trip: Frequent fliers should go for annual plans; others should go for a single trip insurance plan.
• Trip Duration: The shorter the trip, the lower will be the premium based on the number of days spent in China.
• Medical History: If you have any serious ailment, ensure that the policy covers it.
• Check the Coverage: Take a close look at the inclusions to know what is covered in the policy. The overseas China travel insurance plan has maximum benefits that can be availed at an affordable premium.
• Review the Exclusions: While claiming your policy during an emergency, you might not want to be surprised to know that your travel plan does not cover certain expenses you assumed it would. Hence, read the exclusion and plan your budget.

Claim Procedure

What are the Types of Visas for China?

A visa given by China to a potential traveller is referred to as a Chinese Visa rather than a China Visa. Since there are various kinds of Chinese visas, you should be aware of why you're visiting and the kind of visa you'll need for that. Before applying, it's necessary to determine which one is applicable to your purpose.

• Tourist Visa (L)- Granted to those visiting China for tourism, visiting relatives or friends, or for other personal reasons.
• Business Visa (F)- Granted to visitors to China for official purposes, business, lecturing, exchange programmes, or short-term study.
• Work Visa (Z)- Issued to those who wish to work in China with their immediate family.
• Student Visa (X)- Issued to those going to China for a six-month study programme.
• Residence Visa (D)- Issued to those who intend to live permanently in China.
• Transit Visa (G)- Granted to individuals travelling to a third country via China. It is necessary to purchase a return ticket to the third country. Except for US citizens, those who transit through China's airports within 24 hours do not require a transit visa.
• Crew Visa (C)- Granted to crew members of international flights, trains, and ships, as well as their spouses.
• Journalist Visa (J)- J-1 visas are issued to resident journalists in China, and J-2 visas are issued to journalists on a temporary assignment.

Quick Facts About China

Places You Can Visit in China

Beijing: The Great Wall of China, one of the Seven Wonders of the Ancient World, is a must-visit place in Beijing for every traveller. Witness the magnificent beauty of ancient Chinese architecture in Beijing. Imperial Garden and Temple of Heaven also should be on your hit list.

Hong Kong: This glamorous city in the world should be your top choice for luxurious shopping. Enjoy Star Ferry at Victoria Harbour and see the most impressive skyline from the top of Victoria Peak and the Kowloon in Hong Kong. Capture Tian Tan Buddha Statue in Po Lin Monastery. Also, don’t miss Wong Tai Sin Temple in Hong Kong.

Shanghai: the Bund, Yu Garden Winding, Oriental Pearl TV Tower, and Nanjing Road are the places in Shanghai that you cannot afford to miss from your travel itinerary. It’s the biggest metropolis and a financial hub of China.

Xi’an: This city in China has a magnificent culture. The TerraCotta Army, City Wall Park, Giant Wild Goose Pagoda and Shaanxi History Museum are places you must visit to experience the ancient history of Chinese civilization.

A first-time visitor to China may find it stressful if they are unsure of what to anticipate when they arrive. You will be completely surprised by the world's most populous country! This is due to the fact that you never know what will be waiting for you in a place where even the native language will be quite challenging for you to understand. However, you can at least have reliable financial support if you purchase travel insurance for China from India coverage. A travel insurance China plan can offer you the appropriate level of financial assistance when you are in a foreign location with unfamiliar individuals. You won't even know where to go if you get into an accident in China. Get yourself a comprehensive travel insurance plan at an affordable premium and make your trip to China full proof.