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For their own peace of mind, expatriates in Shanghai should take out a reliable health insurance policy to cover their time in China. High quality medical care is expensive in Shanghai and even relatively minor treatments can run up a large bill. Ensuring you have the right level of health insurance can save you from potentially ruinous costs, if you or your family require medical care.
There are a number of high quality hospitals in Shanghai including, the Parkway Health Medical Centre, the Shanghai East International Medical Centre (SEIMC), Sino United Health (for physiotherapy treatment) and Global Health Care (GHC). These facilities provide an international level of medical care and are generally favoured by the expat community. However their services come at a considerable cost, indeed private health care in China is among the most expensive in the world.
As a cheaper alternative, expats are able to receive treatment in public hospitals, though there is normally a language barrier when trying to communicate, unless the patient has a good command of Mandarin. Public facilities are also not always equipped to the most modern standards and many advanced treatments may not be available. As a result the majority of expats, when given the choice, would rather opt for private hospitals offering superior facilities and providing a higher level of care and choice.
These private facilities are expensive. As an example, treatment for a serious accident or medical emergency is likely to result in a bill in excess of $15,000. Even minor procedures can cause a large and unwelcome dent in a patient’s finances. Expats in Shanghai should also be aware, that they are likely to require a substantial deposit before anything other than emergency life-saving care is administered unless they have appropriate insurance policy. Even in cases where emergency assistance is provided without a deposit the unfortunate patient can still expect to be presented with a large bill for medical services and have to surrender their passport until the bill is paid.
The financial dangers of expats not having medical cover in China are considerable and present a major risk to savings should the untoward occur. As a result, Infinity strongly recommend that expats in Shanghai have the requisite level of health insurance. Our advisers can help you assess your health insurance needs and find the best plan for your individual circumstances. As a wholly independent company we are able to choose from a large number of international health insurance providers to find the right cover at the right price.
Your health is you most valuable asset, so if you are an expat in Shanghai looking at health insurance options please get in touch.
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