Two kinds of reference: hands-on how-to guides for the moments that decide an outcome, and the coverage map that explains each product category.
These are the steps people wish they had read earlier — before signing, before a claim, before a permit lapses.
Policy wordings are written for claims handlers, not for you. A short method for reading one so the document works for you at claim time.
The same plan can be paid two different ways. The difference decides how much cash you need at the hospital desk, and which hospitals you can use.
In a life policy the beneficiary is the person paid on death. Getting this right avoids the estate route, which can delay and complicate payment.
A Chinese citizen living overseas can usually keep the basic pension going. The conditions are worth settling early, not at retirement age.
Most claims are won or lost in the first two days. A short checklist you can actually follow from a hospital room.
Mainland China has bilateral social insurance agreements with a number of countries. If your home country is one of them, you may be exempted from or credited for certain contributions — but the detail is decided per country and per agreement.
A short list of documents and facts that makes the first conversation useful. Most of them you already have — you just need them in one place.
Each guide covers structure, eligibility, and the mistakes that tend to happen.
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.
Usually because something has already gone wrong.
Tell us the situation and we point you at the right one — and the eligible product categories behind it.