China Life Insurance (Visit website, opens in a new tab)
State-owned life insurer with medical, critical illness and accident products.
Also offers
China
Statutory social insuranceHow health coverage works
In China, basic health cover is provided by a statutory social insurance system.
Basic medical insurance schemes cover most residents: employee scheme and resident scheme, with regional reimbursement rules. Commercial medical insurance supplements coverage, including private hospital access.
Official source: National Healthcare Security Administration
Basic coverage is provided by the public system. National Healthcare Security Administration
Commercial medical insurance
China Pacific Insurance (CPIC) (Visit website, opens in a new tab)
Insurer with health, medical and critical illness products.
Also offers
PICC (Visit website, opens in a new tab)
Property and casualty insurer with health and medical insurance products.
Also offers
Ping An Insurance (Visit website, opens in a new tab)
Insurance group offering commercial medical, critical illness and health products.
Also offers
Taikang Insurance (Visit website, opens in a new tab)
Life and health insurer offering medical and critical illness cover.
Also offers
Key facts
| Official source | National Healthcare Security Administration |
|---|---|
| Insurers listed | China Life Insurance, China Pacific Insurance (CPIC), PICC, Ping An Insurance, Taikang Insurance |
| Last reviewed |
Frequently asked questions
How does health insurance work in China?
Basic medical insurance schemes cover most residents: employee scheme and resident scheme, with regional reimbursement rules. Commercial medical insurance supplements coverage, including private hospital access.
Is private health insurance mandatory in China?
No. In China, basic cover comes from a statutory social insurance system. Private health insurance is optional and usually complements it.
Which health insurers can I look at in China?
Well-known insurers listed for China, in alphabetical order: China Life Insurance, China Pacific Insurance (CPIC), PICC, Ping An Insurance, Taikang Insurance. This is not a ranking or a recommendation.
Where can I find official information on health cover in China?
National Healthcare Security Administration: https://www.nhsa.gov.cn