Purchasing insurance online in China has become increasingly convenient, driven by the country's rapid digital adoption. Major insurers offer user-friendly apps and websites in Chinese (Mandarin), supporting mobile payments via WeChat Pay or Alipay. Expats may find English support limited, so translation tools are recommended.
The process typically involves:
Selecting a Type: Common options include life, health, car, property, and travel insurance.
Health insurance is popular for expats, while car insurance is mandatory.
Comparing Quotes: Use aggregator sites like those from Ping An or ZhongAn for comparisons.
Providing Details: Enter personal info, coverage needs, and ID (passport for foreigners).
Payment and Activation: Pay via digital wallet; policies activate instantly.
Claims: Most handle claims digitally via apps.
China's insurance market is regulated by the China Banking and Insurance Regulatory Commission (CBIRC). Foreigners can buy policies, but some require a Chinese bank account or residency proof. Always verify coverage for international use.
Below is a list of top insurance companies in China that support online purchases, focusing on those with strong digital platforms. I've prioritized major domestic players and notable online-first providers, based on market share, revenue, and digital innovation as of 2023-2025 data.
Here’s a quick guide to some of the major online insurance providers in China and their official websites.
These platforms let you compare, purchase, and manage policies digitally:
Leading Online Insurance Platforms in China
Ping An Insurance
https://www.pingan.com
Largest insurer by market cap; offers life, health, auto, and property via app/website. Strong online tools for quotes and claims.
China Life Insurance(Group) Company
https://www.chinalife.com.cn
Top life insurer; provides life, health, and annuity products online. Extensive network but digital-first for urban users.
PICC (People's Insurance Company of China)
https://www.picc.com
Leading in property and casualty (e.g., auto, home); fully online purchase for most policies.
China Pacific Insurance (CPIC)
https://www.cpic.com.cn
Covers life, health, and auto; user-friendly online portal for personalized plans.
ZhongAn Online P&C Insurance Co.,Ltd.
https://www.zhongan.com
China’s first online-only insurer, offering health, travel, lifestyle, consumer protection insurance
and micro-insurance via app. Ideal for quick digital buys.
Huize Insurance
https://www.huize.com
Online insurance marketplace comparing multiple insurers’ productsTaikang Insurance Group
https://www.taikang.com
Founded in 1996, Taikang Insurance Group is an insurance and financial service conglomerate focused on insurance, asset management and health and elderly care as main businesses. The Beijing-headquartered company consists of several subsidiaries including Taikang Life, Taikang AMC, Taikang Pension, Taikang Health care, Taikang Health, and TK.CN.The product covers life insurance, internet-based financial insurance, enterprise annuity, asset management, health and elderly care, health management and commercial real estate, etc.
Tk.cn Insurance CO.,LTD.
https://tk.cn
Cheche365
https://www.chetimes.com
Specializes in online auto insurance comparison and purchaseFWD Insurance
https://fwd.cn
Regional insurer with digital-first offerings in life and health insuranceTips for Buying Insurance Online in China
Verify legitimacy: Always check that the insurer is licensed by the China Banking and Insurance Regulatory Commission (CBIRC).
Banks in China
Compare beyond price: Look at coverage limits, exclusions, and claim processes, not just premiums.
Check service quality: Reviews on claim settlement speed and customer service are crucial.
Language support: Some platforms offer English interfaces, but many are primarily in Chinese.
International Insurers in China