Insurance Guide保险指南
What types of cover exist for visitors in China, and how to choose. This guide does not recommend specific products.介绍在华访客可选的保障类型及如何选择。本指南不推荐具体产品。
Common coverage types常见保障类型
Medical expenses医疗费用
Doctor visits, hospital stays, surgery and medicines due to illness or accident.因疾病或意外产生的门诊、住院、手术及药品费用。
Emergency assistance & evacuation紧急救援与转运
24h assistance line, medical transfer or repatriation when medically necessary.24小时救援热线，必要时的医疗转运或送返。
Personal accident个人意外
Benefits for accidental injury, disability or death.意外伤害、伤残或身故保障。
Travel inconvenience旅行不便
Trip delay, baggage loss, personal liability, depending on the plan.行程延误、行李丢失、个人责任等（视计划而定）。
How to choose如何选择
- Match the period to your actual stay, and check whether cover can start after you've arrived保障期限与实际停留时间匹配，并确认入境后是否可以生效
- Check the medical limit and whether it fits hospitals you may use确认医疗保额是否足以覆盖可能就诊的医院费用
- Read waiting periods, exclusions and pre-existing condition rules仔细阅读等待期、免责条款及既往症规定
- Ask whether direct billing is available or reimbursement only了解是否支持直付，还是仅限事后报销
- Check your visa or employer requirements核对签证或雇主的保险要求
- Buy only through a licensed insurer or agent只通过持牌保险公司或代理人投保
Important重要提示
Buying after arrival is usually possible, but policies bought after arrival often have a waiting period and exclude conditions that already began. Always read the policy terms.入境后通常仍可投保，但入境后购买的保单往往有等待期，且不保已发生的疾病。请务必阅读合同条款。