China Travel Insurance Calculator

Tier choice is a limits decision for China: the three bands cost within a few dollars of each other per week but insure very different worst cases. A 35-year-old on a US$2,000 week in China pays about $126.96 at Standard tier, $84.64 at Basic and $169.28 at Premium.

Duration scales roughly linearly for China: double the days, double the premium, which is why a month costs near four times the week. Cancel-for-any-reason upgrades typically add 40–50% to the China premium — worth it only for large non-refundable bookings.

Insurers price China as a mid-band destination (cost index 55), but the medical limits you carry should assume the worst private clinic in Beijing. Evacuation riders for China cost little relative to the air-ambulance invoices they pre-approve — read the assistance-guarantee clause carefully.

China riders are also the place to cover rental-sports equipment and cruise-connection misses — cheap add-ons for specific itineraries. Delay benefits on China policies usually trigger at 6–12 hours and pay a fixed amount — enough for a hotel night, not for the missed tour.

Pre-existing medical conditions are excluded on China policies unless waived; the waiver must usually be bought within two weeks of the first trip payment. Alcohol- and drug-related incidents are excluded outright on China policies — no tier overrides that line. Extreme sports — trekking above 3,000 m, scuba beyond recreational limits, off-piste skiing, bungee, paragliding — need riders for a China trip.

China claims tied to events publicised before your booking date are denied as foreseeable; timing of purchase is part of the contract. Expect China policies to skip routine dental, vision and maternity claims — the exclusions page is the real contract, more than the headline limits.

Buy the China policy the day you pay the first non-refundable deposit — that date unlocks the full cancellation clock and any pre-existing waiver. Two China policies at similar prices can differ by a factor of three on the deductible — read the excess table before choosing.

Claims for China live or die on paperwork: police reports for theft, incident reports from the operator, and itemised medical invoices in English where possible. Annual multi-trip policies beat single-trip China cover once you cross two insured trips a year; price both shapes for your actual travel pattern.