Medical insurance for a trip to China. Review of the travel agency "Auto-Policy" LLC How to order compulsory insurance in China

The trip didn’t go well from the very beginning, we arrived at the boarding point, got on the bus, we were waiting, the drivers were digging under the bus. After 15 minutes it turns out that the bus is not working properly and the tour is postponed to the next day.
The next day the departure took place. A little about the bus: the TV in the back seats was almost inaudible, especially if the fan was on (but I was lucky, I was sitting in the first one), at night, when it was time to sleep, I discovered that there was a draft from the window, enough to freeze. On the way, we still broke down and spent an hour repairing the bus.
The rest of the road passed without incident.
On the plus side, it’s probably worth noting that upon arrival at 2 o’clock in the morning we were immediately checked in (but I assume this is due to the fact that we had to arrive a day earlier)
Hotel: the rooms are standard, but they were not particularly cleaned, the next day no one came to clean our room, as on the following days, we had to take out the trash ourselves (since the food smelled) and take soap supplies from their baskets ourselves.
Shopping: well, nothing like that happened here, the prices are the same, only the yuan is twice as high.
Departure: upon entry we were told that on the last evening we would have a weigh-in and we were immediately informed whether we were leaving at night or in the morning. Shortly before the weigh-in, we were told to leave at night, then they said that everything had changed, there were a lot of people at customs and we were leaving in the morning. It wasn't fatal.
The morning gathering was at 10, we left around 11, and arrived at the border at the beginning of eleven. Then the fun began: there were a lot of cars ahead, we went together to the waiting room, after about 4 hours of waiting, the drivers offered us to chip in 400 rubles each (16 people in total) in order to skip the line, like a regular bus, this offer did not cause much enthusiasm from people, because this was offered after 4 hours, and 400 rubles is not so little, in the end, after 6 hours of painful waiting, we crossed the Chinese border. But that was something else, horror awaited us in Russian, from 2 halls the drivers chose one and directed us there, in this hall, according to my calculations, there were about 70 people and all with trunks (the so-called merchants). We barely fit into this room and began to wait, as it turned out later, there was only one tape to work with, after 4 hours we managed to persuade the inspector to let us through one. So we crossed the border, loaded up, but that was not the case, our group was assembled, BUT, the drivers took strangers for transportation across the border (paid, of course), and these people went to another hall, and we sat and waited for about 30 minutes , then we went anyway.
Then there was a drive to the warehouse, where we were loading, I don’t know what we were loading, because all our things were already loaded, but it wasn’t too annoying, since this is normal practice, then we ate. We ended up leaving at two in the morning.
There was also a breakdown on the way back, but it turned out to be minor and was fixed in about 20 minutes.
My overall impressions of the trip are terrible, this is my second time traveling with an auto policy, and I note that the service has dropped below zero.

It is best to take out an insurance policy BEFORE your trip. in the Russian travel agency where you buy the tour, or in the insurance company. An excellent option, which advanced travelers are already using with all their might, is to make insurance to China online (saving time and your own money):

You can choose a standard set of services, including:

• medical assistance;
• transportation;
• repatriation (return to homeland).

Insurance companies of Russia

Or a more expensive option - an extended program, under which you have the right to:

• use emergency dental care;
• visit of a third party;
• assistance of a lawyer;
• translator (for contacts of translators working in China, see);
• other services.

When choosing a group tour The travel agency handles the insurance. When purchasing a tour, you need to find out the name of your insurance company, as well as evaluate its reliability, because the travel agency does not bear any insurance obligations to its clients.

Important! The insurance company will not pay for expenses incurred by you in connection with the treatment of injuries and illnesses if they were caused by the use of alcohol and/or drugs, as well as expenses that are associated with the treatment of sexually transmitted diseases, childbirth and abortion (unless they were caused by accident).

What determines the cost of insurance?

The amount you will have to pay for health insurance in China depends on several factors:

• purpose of the trip (if the vacation is associated with active sports, then insurance will be provided at a higher rate);
• duration of the trip;
• your age;
• presence of chronic diseases.

In addition, the cost of the policy is calculated taking into account the amount of insurance coverage (the amount for which you want to be insured).

Insurance case

If an insured event occurs, you can choose one of the following options:

1. Pay cash for the medical care provided, and upon returning home provide the necessary documents, after which you will be reimbursed for expenses.
2. Receive the service for free after coordinating your actions with the service dispatch center (to do this, you need to call the phone number indicated in your policy).

take care of yourself

The insurance policy is issued in person.

Immediately (!) study its contents in detail, especially the points relating to your actions after the occurrence of an insured event. Pay attention to the dates indicated in the policy: You must be insured for the entire duration of your trip to China (including the day of your departure and the day of arrival).

I filled out the honey. insurance (fortunately, I didn’t have to use it). How was it for you? What difficulties did you encounter on the Russian or Chinese side? Tell us in the comments.

I was with you - Sergei Panshin.

Safety & Rest offers insurance policies for travel to China. This republic is popular among tourists from all over the world. There are many cultural, architectural, historical and other attractions here. The Republic occupies a leading position among other countries in the world in terms of production and foreign trade. Businessmen, politicians, and investors from many countries come here.

To travel to China you need an insurance policy with a coverage amount of $35,000. This document is required to obtain medical care in case of illness, injury or other unforeseen situation.

Using the Safety & Rest service, you can quickly and on favorable terms obtain insurance for a trip to China from the Zetta company. For a tourist trip to China visa is required, while medical insurance is not mandatory, but can be useful if you get sick during the trip.

Besides, policy cost not big at all - just from 40 rubles per day.

Customers can choose from policies with coverage of $35,000, $50,000 or $100,000.

What are the differences between insurance programs?

• Program Base. You can choose coverage from $35,000 to $100,000. The program with an insured amount of $35,000 includes the minimum set of risks necessary for travel: medical care and dentistry, transportation, repatriation, return to Russia (if you were unable to leave due to hospitalization), payment for calls to a service company in the event of an insured event, evacuation of minor children. When the coverage increases to $50,000-$100,000, risks are added. Additionally, the insurance will include: flight delay, loss of documents, legal assistance, accommodation and travel of a relative (for example, a mother, if a child who is traveling is hospitalized or in quarantine).
• Program Optimal. Coverage from $50,000 to $100,000. To everything that is in the Base program, .
• Program Platinum. Coverage options are $50,000 or $100,000. Additionally, civil liability and loss of luggage are included.

By purchasing a policy on our website, you receive extended zone insurance, operating in China, the Schengen countries, as well as a number of other states. At the same time, there is no increase in tariff, since all states are grouped into zones. Territory name "Schengen + almost the whole world"- all countries of the world except the USA, Canada, the Caribbean, Japan, Australia, Thailand, Indonesia, Vietnam and the Russian Federation. Accordingly, insurance begins to apply from the moment you cross the border with the Russian Federation. And, if you plan to combine a trip to China with a trip, for example to Hong Kong, you will not need to buy additional insurance.

The PRC is the most promising state in the world, and thousands of Russians flock to this country to conduct professional activities, receive education, and relax. The question of whether insurance is needed in China is extremely relevant: in the country there is a high risk of becoming a victim of a traffic accident, poisoning, or crime. Considering the difference in mentality, the language barrier, seeking help on your own is very difficult. Therefore, an insurance policy will not only provide psychological support, but can also become a “life preserver” in a sea of ​​foreign culture.

What risks does travel insurance for China include?

The specific list of situations in which a traveler can count on assistance depends on the type of policy. The buyer has access to both standard packages and individual programs (for example, for athletes or climbers). The level and quality of service also affects the cost of insurance in China.

Calculate and buy travel insurance for China online

The policy may cover various expenses:

1. Emergency medical care. This category includes the services of a dentist, infectious disease specialist, therapist, surgeon and other doctors, and delivery to the hospital.
2. Patient rehabilitation. Many types of policies include payment for a hospital room after surgery, diet food, and medications.
3. Translation services. When communicating with a doctor, a specialist will help you find a common language, which will significantly increase the effectiveness of treatment.
4. Telephone conversations. Also, travel insurance for China includes the services of telecom operators, who will pay a considerable amount in the event of an emergency.
5. Repatriation. This service involves the return of the traveler if his return ticket is invalid, or the costs of delivering the body to the homeland.
6. Additional services. If you need extended insurance for a China visa, pay attention to coverage for risks of loss of luggage, denial of entry permission, legal support and other options.

How is the package price determined? How much does insurance cost in China?

1. The main question that concerns all travelers is how much does medical insurance cost in China? The price of the policy directly depends on several parameters:
2. Type of program. Conventionally, they are divided into “A”, “B” and “C” according to the number of risks included, however, many companies do not use this classification.
3. Length of stay in the country (calculated in days). It is worth noting that insurance for a visa to China must fully cover the period of stay in China.
4. Limit of damages. The insured amount is calculated in euros and can be 30, 50, 100 thousand: the higher the value, the more expensive the cost of the policy.
5. Additional services. The total cost of the package is also affected by extra risks that determine the comfort of staying abroad (legal assistance, etc.).

Is a policy required?

According to Chinese law, having an agreement with an insurance company is not a prerequisite for obtaining a visa. If you need insurance for a Schengen visa, you can also arrange it on our website. An entry permit can also be obtained in the absence of a travel insurance policy, but in this case the traveler assumes serious risks. Thus, visiting a doctor in the Middle Kingdom is an expensive service:

• Removal of appendicitis – from 500 euros;
• Dentist consultation – from 50 euros;
• Treatment of one tooth (filling, removal) – 50-100 euros;
• A day of stay in a medical hospital - from 20 to 150 euros.

Thus, the question of whether insurance is needed in China disappears by itself. After all, this policy, in the event of an unfavorable situation, will help save several tens of thousands of rubles. The maximum level of compensation provides comprehensive protection for a person in almost all life situations. Compare the cost of medical insurance in China with the cost of medical services to make sure that the risk can cost a hefty sum.

Additional services for luggage protection and compensation for losses in case of trip cancellation are just as necessary, but to a greater extent - for people who travel to China frequently. A modern service allows you to completely relax and be independent of circumstances, because they can present an unpleasant surprise.

How to purchase a policy?

We offer you to buy insurance to China online from us: especially for you, we have collected offers from leading companies and carried out their selection. All you need to do is fill out the form presented on the website, pay for the policy and receive it electronically. This option is quoted on the same basis as a traditional document and is accepted for service using a unique number.

Several reasons to buy insurance to China online from us:

• Efficiency. The document registration process will take only a few minutes: no queues or waits.
• Availability. You can choose the cost of the policy yourself, based on your financial capabilities.
• Safety. Working with leading organizations allows us to guarantee one hundred percent fulfillment of obligations by partners in the event of an accident.
• Confidentiality. Information about clients, including passport data and length of stay in China, will not fall into the hands of third parties and will be securely stored on the server.

Calculate the cost of insurance to China within a few minutes, and if any difficulties arise, contact the manager. Employees will answer any questions and help you choose the optimal policy both in terms of the number of risks and the total price of the service.

Travel insurance for trips to China: how much it costs, how to get it and where to buy it. Types and features of insurance in China.

• Tours for the New Year To China
• Last minute tours To China

A medical insurance policy is not included in the list of required documents for obtaining a Chinese tourist visa. However, the consulate warns that it may be requested additionally. In addition, you may be asked to show insurance when crossing the border. The minimum amount of coverage is 30,000 USD, but since medicine in this country is expensive, it is recommended to increase this amount to 50,000 USD.

What should be included in the insurance?

No vaccinations are officially required to travel to China, but the environment in this country is not very good, so flu (including swine flu), SARS and other viral diseases spread here at the speed of light. So it is recommended to get a flu shot. Accident insurance won't hurt either, since China is home to malaria-carrying mosquitoes and ticks. If you are bitten, you should immediately consult a doctor.

In large cities - Beijing, Shanghai, etc. - theft flourishes, although in general the crime situation in this country is calm. So, just in case, it is worth insuring the documents so that in case of loss, the insurance company will quickly make duplicates and restore the originals at its own expense.

Medicine in China

In large cities in China, the level of medicine is very high. The clinics have modern equipment, and the doctors are not only qualified, but also speak English. In some cities (especially small towns) there is a chance of going to a people's hospital, where traditional Chinese medicine is used - treatment with plants, animal organs, etc. If the case is serious, it is better to go to a more familiar clinic.

All medical care in the country is provided on an insurance basis. In its absence, an initial consultation with a doctor will cost 25-35 USD depending on the hospital, tooth filling - 25-65 USD, a day in the hospital - from 20 to 200 USD depending on the conditions. Prices on the page are as of November 2018.

Free first aid is provided to all those in need only at the Red Cross Society.

Where can I apply and how much does it cost?

Insurance to China can be obtained directly from the insurance company or on the website of any aggregator. Most convenient. Here it is enough to indicate the duration of the trip, the country or zone, the age of the tourist - and within a minute you can get insurance for yourself.

Basic insurance for a week with a coverage amount of 50,000 USD will cost approximately 350 RUB, including accident insurance will increase this amount to 650 RUB, and insurance against loss of documents will cost an additional 150 RUB.