• 24
  Mar
  2010

• The Healthy Dragon: Purchase Adequate China Tourist Insurance

  
  Filed Under: Blogging
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The Dragon is roaring again. China has emerged as the hotspot for international travel in 2010 as well, and not as a business destination. As a consequence of the increasing business activity in China, it is also attracting a lot of international tourists. However, many of these tourists visit the country without adequate insurance for Chinese tourists.

China tourist insurance covers unplanned medical illnesses and injuries. While most hospitals will not be able to process cashless transactions, there are a few hospitals in Beijing, Shanghai, and Hong Kong that do accept health insurance from the U.S. In most cases, you will have to get your costs reimbursed through the health insurance company.

Chinese healthcare, while of a high quality in the larger cities, is usually inadequate in rural areas. When traveling, ensure that you carry enough prescription drugs, and your prescription. Also remember that Chinese traffic is among the most dangerous in the world. Do not attempt to drive a vehicle, as any resulting accident will probably not be covered unless you possess a valid Chinese driving license.

Typical tourist insurance plans cover unplanned illnesses and accidents. Hospitalization and outpatient care are all usually covered. Purchasing overseas insurance from a company that has experience in the field will help file and process claims smoother, even if the plan costs a few dollars more.