How to solve the medical problems of expats in China? Do they have the same treatment as Chinese citizens? Let's find out.
First of all, China's medical service system consists of a variety of medical institutions, including non-profit public medical institutions run by the government and social medical institutions run by social forces (including foreign-invested medical institutions). Foreigners can choose to go to a medical institution on their own, and the cost is the same as that of Chinese residents. In addition, there are "120" call numbers throughout China for pre-hospital medical emergencies, and almost all hospitals have emergency departments to provide emergency medical treatment to patients in need. Therefore, foreigners enjoy the same rights and services as Chinese citizens when it comes to medical treatment.
Secondly, foreigners can also participate in the urban workers' medical insurance, and enjoy the same medical insurance treatment as other insured workers. According to the Social Insurance Law of the People's Republic of China and the Interim Measures for Foreigners Employed in China to Participate in Social Insurance, foreign workers who are legally employed in China shall participate in medical insurance. Foreigners can check the list of designated hospitals, coverage and reimbursement rates on the website of the local Human Resources and Social Security Bureau. At the same time, foreigners can also buy commercial medical insurance to cover risks not covered by insurance.
Commercial medical insurance usually covers the international medical department of private hospitals and some public hospitals, and can fully reimburse all medical expenses (including imported equipment and imported drugs, etc.). The insured age is generally around 18-65 years old, and there are special insurance products to buy under the age of 18. Generally, the insurance can be renewed until the age of 99, and some insurance products can also cover pre-existing conditions. The cost is based on coverage, age, and benefits. The purchase channel can be directly through the insurance company or through a broker. Often a broker can offer plans from multiple insurance companies, which can help select the right plan for the client's needs.
Generally speaking, the medical problems of foreigners in China can be properly solved, they can enjoy the same medical service rights as Chinese citizens, and they can also participate in medical insurance and buy commercial medical insurance to expand the scope of medical insurance. The purchase of commercial medical insurance mainly covers private hospitals and international medical departments, which can fully reimburse all medical expenses, and can also provide rescue services to help the insured provide professional transport services in the case of emergency medical transport.
外籍人士在中国的医疗问题是怎样解决的？他们是否与中国公民享有同等待遇？我们来一探究竟。
首先，中国的医疗服务体系由多种医疗机构组成，既有政府举办的非营利性公立医疗机构，也有社会力量举办的社会办医疗机构（包括外商投资医疗机构）。外籍人士可以自行选择到医疗机构就医，费用标准与中国居民相同。此外，在中国各地还设有“120”呼叫号码请求院前医疗急救，几乎所有医院都设有急诊科，为需要的病人提供紧急医疗救治。因此，外籍人士在医疗方面与中国公民享有相同的权利和服务。
其次，外籍人士也可以参加城镇职工医疗保险，并与其他参保职工享受同等的医保待遇。根据《中华人民共和国社会保险法》及《在中国境内就业的外国人参加社会保险暂行办法》要求，在中国合法就业的外国籍职工应当参加医保。外籍人士可以在当地的人力资源和社会保障局网站上查询医保定点医院名单、医保报销范围和比例。同时，外籍人士也可以购买商业医疗保险，以便保障医保范围外的风险。
商业医疗保险通常会涵盖私立医院以及部分公立医院的国际医疗部，可以全额报销所有医疗费用（包含进口设备和进口药品等等）。入保年龄一般在18-65周岁左右，18岁以下投保有特别的保险产品可以买。一般续保可以续到99岁，部分的保险产品还可涵盖既往症。费用是根据保障地域范围、年龄、及保障福利决定的。例如，以30周岁，中国大陆，含门诊保障，含公立/私立医院保障举例，大约在15,000-23,000 RMB一年左右。购买渠道可以是直接联系保险公司，也可以通过经纪人购买。通常经纪人可以提供多家保险公司的方案，从而可以帮忙根据客户的需求选择合适的方案。
总体来说，外籍人士在中国的医疗问题是可以得到妥善解决的，他们可以享有与中国公民相同的医疗服务权利，也可以参加医保并购买商业医疗保险以扩大医疗保障范围。购买商业医疗保险主要涵盖私立医院以及国际医疗部，可以全额报销所有医疗费用，同时还可以提供救援服务，帮助被保险人在紧急医疗转运时提供专业转运服务
sources from SFBC
