Ubezpieczenie na wjazd do Chin: kto go potrzebuje, zasady aplikacji dla różnych kategorii wizowych i gdzie je kupić?

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Traveling to China in 2025 is impossible without a proper insurance policy. For students, employees, businessmen and even many tourists, having health insurance is one of the main conditions for obtaining a visa. It also protects against unforeseen medical expenses in a country with a very high cost of medical services. In this material, we tell you who needs insurance to enter China, what are the requirements for the policy, how much it costs and where it is profitable to issue it.

Information about the cost of living in China in 2025 in this article.

What is a port visa and what is the procedure for its issuance is described here.

Apply for travel insurance online in 5 minutes on Visit Ukraine!

Who needs insurance to enter China?

Health insurance is not only a recommendation, but often a requirement when visiting China. Depending on the purpose of the visit, an insurance policy may be mandatory or desirable, but in any case - extremely important for your safety.

- Tourists

Health insurance is not a mandatory requirement for entering China on a tourist or business visa. However, it is recommended for all foreigners due to the extremely high cost of medical services. For example, for a simple doctor's appointment, foreigners without a policy will have to pay $100-200, and hospitalization or emergency care can cost thousands of dollars.

A health insurance policy is also required to apply for a tourist visa.

Read here which countries of the world have the right to visa-free entry to China in 2025. Find out how visa-free travel affects the development of tourism in China by following the link.

Find a list of countries whose citizens have the right to a 10-day visa-free transit in China in this article.

- Students (X1, X2 visa)

Universities and consulates require insurance for the entire period of study. The policy should cover medical expenses and repatriation in case of illness or accident.

Step-by-step guide to studying in China in this article: popular majors, best universities, admission requirements, etc.

- Workers and businessmen (Z, M visa)

Medical insurance is mandatory for obtaining a work or business trip permit. The main requirement is to cover medical expenses and repatriation in case of illness or accident.

Guide to employment in China in 2025 in this article.

- Diplomats and other categories

In most cases, special policies with extended coverage are required.

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General requirements for insurance policies for short-term and long-term trips

The insurance policy for entering China must meet certain standards, depending on the duration and purpose of stay. There are two categories: short-term (up to 90 days) and long-term trips (more than 90 days, with a visa or residence permit).

1. Short-term trips (tourism, business, transit, visa-free)

If you plan to stay up to 90 days, you need a medical insurance policy that has:

- Minimum medical coverage: from $30,000.

- The policy must be valid for the entire period of stay.

- It is advisable to include COVID-19 coverage.

Such a policy may be required both when applying for a visa and at the request of a border guard during visa-free entry. Even if you are not asked to show a document at the border, it can become critically important in the event of a sudden illness or injury.

2. Long-term trips (study, work, residence permit)

For the policy to be recognized by the consulate, it must meet the basic requirements:

- Minimum coverage – from 30,000 USD.

- Validity in China for the entire duration of the trip.

- Included coverage: emergency medical care, hospitalization, repatriation.

- For long-term trips (work, study) – insurance for the entire period of stay.

What kind of insurance can I get in China?

When planning a trip to China, it is important to choose a reliable insurance policy that will meet the goals of the trip and the requirements of the migration authorities. There are two main options: taking out local insurance in China or purchasing a policy from a Ukrainian insurance company before the trip.

Local insurance in China

In China itself, foreigners can purchase insurance from local insurance companies. However, this option has a number of features and is not always profitable.

Advantages:

- Valid directly in China.

- May cover treatment in public hospitals.

- Some universities or employers require a local policy (especially for students on long-term programs).

Disadvantages:

- High cost - insurance for foreigners is much more expensive than for Chinese citizens.

- Limited coverage - often valid only in certain hospitals, mostly public, and international clinics are not included in the program.

- Not valid outside the country – if you plan to transit or travel to other countries, you will have to buy another policy.

- Language barrier – registration is carried out in Chinese, which complicates the process for foreigners.

- Bureaucracy – insurance can often be issued only after obtaining a visa and arriving in China.

Who usually needs local insurance?

- Students – most Chinese universities automatically include local insurance in the tuition fee. It covers basic medical services.

- Employees – employers can purchase a policy for employees as part of an employment contract.

- Long-term residents – if you plan to stay for many years, local insurance can be additional protection.

Important! Even if you have local insurance, to submit documents to the Chinese consulate, they often require an international policy that confirms coverage before your arrival.

Online insurance through Ukrainian insurers

The most convenient and fastest way to get a policy is to apply for insurance online before your trip through a proven platform. For example, on the Visit Ukraine portal, you can:

- Apply for insurance that meets the requirements of tourist travel and local residence permit.

- Receive an electronic policy by email in 5 minutes.

- Choose coverage: from 30,000 euros.

- Include the option of COVID-19, injury, repatriation insurance.

- Pay with a card from any country.

Such policies are accepted by the Chinese migration service when applying for a national visa or residence permit, and are also ideal for tourists.

What does the insurance that can be applied for on Visit Ukraine cover?

When choosing an insurance policy for a trip to China, it is important to understand what risks are covered by different insurance options. The Visit Ukraine portal offers both medical and travel insurance policies that meet all the requirements of Japan and provide financial protection in case of unforeseen circumstances during your stay in the country.

Medical insurance on the Visit Ukraine portal

Medical insurance policies available on the Visit Ukraine website provide comprehensive protection during your stay in China, including emergency medical care, COVID-19 treatment, and compensation for transportation costs in emergency situations.

The ‘Whole World Classic‘ policy provides basic coverage:

- COVID-19: diagnosis and treatment as prescribed by a doctor.

- Emergency outpatient care.

- Emergency inpatient care.

- Emergency dental care.

- Expenses for transportation by vehicle to the nearest medical facility.

- Emergency obstetric care up to the 28th week of pregnancy.

- Accident insurance.

- Expenses for burial abroad.

- Costs of repatriation of the body to the place of burial in Ukraine.

The policy ‘SILVER-VU Whole World’ provides extended coverage, including all the benefits of ‘Classic’, as well as additional services, such as:

- Payment of expenses for consultations, diagnostics, treatment and medicines.

- Expenses for emergency calls.

- Compensation for vaccination costs.

- Coverage of expenses related to the diagnosis and treatment of COVID-19.

- Compensation for the cost of telephone communication in the event of an insured event.

- Organisation and payment for emergency medical care.

The policy ‘GOLD-VU Worldwide’ provides even wider coverage, including all the benefits of ‘SILVER-VU’, as well as:

- Coverage for COVID-19 and SARS treatment costs.

- Payment for inpatient treatment for up to 15 days after the end of the insurance period.

- Compensation for the cost of lost luggage.

- Reimbursement of expenses for the preparation of documents for returning to the country of permanent residence.

- Emergency gynaecological care.

The policy ‘All Inclusive PLATINUM-VU’ provides the maximum level of insurance coverage, including all the benefits of ‘GOLD-VU’, as well as:

- Reimbursement of expenses for staying in a high-comfort waiting area in case of flight delay.

- Reimbursement of expenses due to technical malfunctions of water transport.

- Payment of expenses for the early return of children under 14 years of age in case of an emergency.

- Reimbursement of the cost of stay of the insured person's companion in a hotel abroad in case of hospitalisation.

- Coverage of expenses for legal services and an interpreter for medical care.

- Payment of the cost of economy class travel to return to the country of permanent residence.

Travel insurance on the Visit Ukraine portal

If you are planning a short-term trip to Japan, you can take advantage of the ‘All Inclusive Basic’ travel insurance package, which covers:

- COVID-19: diagnosis and treatment as prescribed by a doctor.

- Emergency outpatient care.

- Emergency inpatient care.

- Costs of calling an ambulance in the country of residence.

- Emergency ambulance.

- Emergency obstetric care up to the 28th week of pregnancy.

- Expenses for emergency and urgent outpatient and inpatient care, including consultations, diagnostics, treatment and payment for medicines.

- Expenses for emergency surgeries, including medicines, bandages and fixation devices.

- Repatriation of the body.

- Medical transport.

How much does insurance cost on the Visit Ukraine portal?

Medical insurance

Travel insurance

Why is it worth taking out insurance for a trip to Japan on Visit Ukraine?

- A wide range of insurance programmes adapted to the different needs of travellers - from tourist trips to long-term stays.

- Instant online registration.

- Affordable tariff plans with transparent pricing conditions and no hidden fees.

- Round-the-clock customer support to help you solve any situation during your stay in Germany.

- Guaranteed quality of insurance services from trusted companies.

Planning a trip to China?

Get a policy quickly and conveniently on the Visit Ukraine portal! The insurance meets all the requirements for entry into the EU and provides reliable protection during your stay abroad.

Get insurance online in a few minutes and travel without worries!

We remind you! Taking out medical insurance for a child before traveling abroad is an important step that guarantees the safety and peace of mind of parents during the trip. Even a short trip abroad requires a responsible approach to the health of a little traveler. We have already talked about which insurance to choose, who can take it out, and how to do it online.

Want to know more? Read the latest news and useful materials about Ukraine and the world in the News section.

Our recommendation for a safe and comfortable trip: 

Visit Ukraine Insurance - insurance for a safe stay abroad without unnecessary expenses;

Green Card - compulsory car insurance for traveling abroad;

Visit Ukraine Tickets - book tickets for buses, trains, and airplanes to/from Ukraine and between cities around the world;

Private Lawyer service - professional legal support on visa and migration issues;

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