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Posts: 186

Shifu

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Q: Can anyone recommend expat health insurance companies?

I'd like to buy health insurance that'll cover emergency treatment and the basics and one that'll preferably allow me access to international hospitals. But I have no idea how much this'll set me back or what company to turn to.

13 years 5 weeks ago in  Health & Safety - China

 
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Posts: 37

Governor

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I've heard AXA Minmetals is good. They offer worldwide coverage and direct billing at hospitals.

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13 years 5 weeks ago
 
Posts: 1006

Shifu

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I got some quotes from AXA and wow, it's expensive!

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13 years 5 weeks ago
 
Posts: 27

Governor

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Well, as i am living in a smaller city, had trouble getting an insurance. My best choice was China Life. The foreign companies are way too expensive, and this one gave me the highest coverage on the chinese ones.
Cannot be used abroad, though...

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13 years 5 weeks ago
 
Posts: 461

Shifu

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I have also used AXA for the last two years, and despite the price of their policy, the services provided were good.
But I am reconsidering now 3 new offers, because they increase the prices and change the items of their policy on a yearly basis.
Sometimes a Foreign health insurance can be less expensive than AXA, but they often require that you pay your medical bills first, and then submit the claim with the invoices to be refunded.

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13 years 4 weeks ago
 
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Answer of the DayMORE >>
A: No, it's not allowed to work under RP at 2nd job! I'd say, Z visa
A:No, it's not allowed to work under RP at 2nd job! I'd say, Z visa/RP sponsor can have an objections to your part-time job. I did the same at my English teaching in China and elsewhere, butT ... I casually mentioned at my prime job, some kindergarten or another school asked me to work with them part-time. Then, my Q: "Is that permitted?" ...  Answer from RP sponsor was always "Yes, but you can't be late or miss the classes at our school ..." with my reply: "No, our work schedule has a priority, and I'll arrange classes at kindergarten only in my free time." When I cleared that, I was undertaking any extra teaching hours at other schools and private students in my free time.Sometimes, teachers at my prime job asked me if I'm willing to have some extra classes elsewhere.I accepted after the talk with School's principal. I suggest, you test the felling at your Z/RP sponsor and once you see they don't object, you can work at 2nd job. Keeping your 2nd job as a secret from your employer won't work, 'cause you're laowai and Chinese know exactly what you do in your free time. However, despite your employer's agreement for extra work, you are still in violation of Chinese Labour law, and even if your sponsor agrees to your extra work, you can still get in trouble, because it's clearly written (somewhere ... ) that under Z/WP, one can work only at the Z-sponsor and nowhere else. Penalties ... I'd say, there won't be any warnings and you'll be required to exit China in short Exit time.It never happened to me, so I can't really advice how is when manure hits the fan ...  -- icnif77