For foreign residents in mainland China, and for Chinese citizens living overseas who keep a life in China. Plain-language explanation of mainland-domiciled policies, plus the paperwork that follows — application, renewal, claim.
The rules differ sharply depending on which side of the border you are on. We start there, every time.
Working, running a business or retiring on a Chinese residence permit.
Still holding Chinese nationality, with ties to Chinese social insurance or Chinese-domiciled policies.
Product categories as they are structured by mainland insurers — what each one is for, and where the conditions bite.
The cost of being ill is the single biggest reason expats and overseas families buy cover in China — and the reason the order of payment matters more than the product name.
The most portable cover: an accident policy follows the person, not the address, and is usually the first thing a new resident buys.
A lump sum paid on diagnosis of a covered condition, so the money is yours to use however the household needs — treatment bills, income replacement, or a family member's caregiving time.
Money paid to the beneficiary on death. For a family with dependants in two countries, this is often the piece that is quietly missing.
Long-horizon products for people whose income or obligations sit in two currencies and two tax systems at once.
Covers third parties you injure or whose property you damage — the exposure that follows a business owner or a property lease into China.
Five steps. Nothing is submitted to an insurer until you choose to proceed.
Where you live, what you are covered by today, what worries you, and what you want the money for.
Social insurance, employer cover and any existing policies are read together, so the remaining gap is the real one.
Written brief on which product categories are open to you, and what the wording in each of them actually means.
You submit the application yourself on the insurer's platform. We assemble the documents and answer what comes back.
Renewals, reviews and claims are handled by the same person who explained the terms in the first place.
Explaining the terms stops being useful the moment the contract is signed. Most of our work happens after that.
Household composition, the cities you actually use, the currency of your income and your spending, and the gap you are trying to close. The output is a written brief — not a recommendation to buy.
The same product category is structured differently across insurers. We explain what the definitions, exclusions, waiting periods and claim conditions mean in practice, so you can read a policy you were shown without an interpreter.
Most claims problems start at the application. Before anything is submitted, we walk through what each health question is asking, what a truthful answer means, and which answers are likely to lead to an exclusion or an adjusted premium. You answer it yourself, in your own words.
Which documents the insurer will ask for, what each one is for, and how to assemble the medical records without losing track of them. The submission itself is made by you on the insurer's own platform — we prepare, you submit.
Renewal dates tracked, medical-underwriting anniversaries flagged, and an annual review of whether the cover still matches the household. A policy that no longer fits is worth knowing about before it renews.
The document list for your specific case, the correct submission route, the translation or certification requirements, and follow-up through to a decision. The claim is filed by you with the insurer; we keep the file moving.
A short form, or a WhatsApp message. You get a written brief back — the gaps, the eligible structures, the questions worth asking the insurer.