Purchasing Insurance Online in China International Insurers English Support Global Health Coverage
For expats, international options like Cigna offer English-language online purchases tailored to China.
International-friendly insurers in China that cater specifically to expats with English support and global health coverage.
If you’re an expat in China, you’ll want an insurer that not only covers you locally but also provides international support,
English-language service, and global hospital networks.
Here are some of the most expat-friendly international insurers operating in China.
Top International-Friendly Insurers in China
Cigna Global
https://www.cignaglobal.com
Flexible international health plans, 24/7 multilingual support, wide hospital networkAllianz Care
https://www.allianzcare.com
Strong global reputation, direct billing with many hospitals in China, good for familiesBupa Global
https://www.bupaglobal.com/en/
Premium expat health coverage, English support, access to top-tier hospitalsAXA Global Healthcare
https://www.axaglobalhealthcare.com/en/
Comprehensive expat plans, strong presence in Asia, English-speaking service
NOW Health International
https://www.now-health.com/en/
Digital-first insurer, fast claims processing, designed for mobile expatsMSH International
https://www.msh-intl.com/en/
Popular with expats in Asia, multilingual support, flexible coverageIMG Global
https://www.imglobal.com
Affordable international health plans, good for long-term expats and familiesApril International
https://www.april-international.com/en
Strong in Asia-Pacific, English support, tailored expat health insurance
Blue Cross Blue Shield Global Solutions
BCBS Global Solutions
https://bcbsglobalsolutions.com/individuals-and-families/
US-based, excellent for Americans in China, global hospital access.
Blue Cross Blue Shield Global Solutions is the trade name of Worldwide Insurance Services, LLC.ICBC-AXA Life
https://www.icbc-axa.com
Joint venture in China, combines local and international coverage.Why Expats Prefer These Insurers
English-speaking support: No language barrier when dealing with claims or emergencies.
Direct billing: Many have partnerships with hospitals in Beijing, Shanghai, Guangzhou, and beyond.
Global coverage: Useful if you travel often or want treatment outside China.
Customizable plans: Options for dental, maternity, evacuation, and wellness benefits.
If you’re mainly in China long-term, you might balance local insurers (cheaper, but less English support) with international insurers (more expensive, but smoother expat experience).Local insurers:
Banks in China
Best if you’re young, healthy, on a budget, and mainly using public hospitals in China.
International insurers:
Best if you want English service, private hospitals, global coverage, or family/maternity care.