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Individual Health Insurance in China

Pacific Prime will help you compare your health insurance options as an individual living in China.

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Flexible Plans for China Individuals

We can advise expatriate individuals on health insurance policies in China that are flexible and can be tailored to include chronic conditions, travel, maternity and dental, along with numerous other conditions. The policies can be customized to select only inpatient and no outpatient cover, allowing the individual to pay a lower premium but still be covered in emergencies for hospitalization and surgery costs.

Local Insurance from an International Insurance Agent

We supply locally sourced medical insuranceplans for expats in China, as well as plans that include international coverage for when you are abroad. With our office in Shanghai, you can be sure that you will have people near you that will be available to assist you with all insurance and claims matters.

Fully Compliant in China

We are in a good position to offer advice on health cover. China has increasingly high standards for its insurance providers, and Pacific Prime is fully registered and compliant with national insurance standards.

Direct Billing

With policies through Pacific Prime, you may be eligible to use direct billing which removes the need to pay up front before or immediately after you receive medical treatment.

Guaranteed renewable

Your medical costs can be covered by the insurer for your whole life. Your premiums will typically change as your age increases but will only rise with the average. Regardless of how many claims or large claims were made in the previous year, your premium will stay the same.


We can also include a deductible (excess) to keep your premiums low. If you return to your home country or relocate to another country, you can normally take your plan with you and the coverage will stay the same.


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