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September 2022

William Russell Health Insurance China

William Russell Health Insurance China 150 150 China Access Team

William Russell China health insurance for foreigners.

William Russell supplies global market with plans since 1992. Originally out of UK they have regional office in Hong Kong and Thailand to service Asia-Pacific region. In this article we will cover general introduction to William Russell health insurance plans.

Although you will not be able to enjoy much of direct billing services with William Russell health insurance plan in China. Their plans would probably be among top 5 most comprehensive ones with many benefits fully covered. This refers to under the overall limit of the insurance policy and not separate sub-limits. Higher level of medical protection also has a big impact on the premium side. Especially for members over the age of 50. Premium loading on health insurance in that case is quite significant and is much higher than industry average among other insurance providers. They are however somewhat flexible on enrollment. For instance, they can let you split the policy between family members, some on a more comprehensive cover level while some on more basic.

William Russell offers one of the best direct billing services in Hong Kong and Thailand. Apart from those two markets, expenses in other places will have to be on a pay and claim basis. Where member has to carry those out of pocket and then submit all the documents together with claim form for reimbursement. Claim reimbursement is usually processed within 5-10 working days. Of course depending on the complexity of the medical records and language they are in.

William Russel Health Insurance Overview

Below you will find general summary of William Russell health insurance policies. Please get in touch with us if you re interested to learn more about health insurance in China. Additionally, what plans might suit your unique situation best.

Overview of William Russell Health Insurance plans

In 2022 they have launched a more basic version of plans for South East Asia residents. This in particular comes handy when you don’t need millions of $ on cover. But rather enough for several hundred of thousands.

Source: William Russell Website

Here you will find general list of international hospitals in China 

More information regarding health insurance in China and how to choose the best one


Morgan Price Health Insurance

Morgan Price Health Insurance 150 150 China Access Team

Morgan Price insurance for expats in China

Morgan Price plans currently can only be purchased out of UK. They haven’t passed yet license requirements to freely sell their plans in China Mainland to its residents. In other words, there is no legal way to purchase their plan here but only from abroad. This leads to having quite a big gap on service issues such as lack on direct billing and no service team to help you locally. In this article we will cover major pros and cons of Morgan Price health insurance.

Despite those disadvantages, they have been supplying global expatriate insurance market with medical plans almost in all countries worldwide. For instance, 24/7 English speaking hotline and ability to settle bills with major hospitals in certain countries. This is a big advantage for foreigners looking at their plans and expecting good cashless services. Below is a summary of what insurance plans Morgan Price currently offers, all can be administered in either of the 3 currencies you prefer to choose.

Morgan Price Health Insurance Overview

Morgan Price Insurance Plans

Morgan Price is quite well known worldwide for selling student insurance. Moreover, this applies to both European countries and Americas. Flexibility on enrollment means that even members below the age of 18 can purchase a plan. To summarize, there is no requirement for any of the parents to be enrolled on such plan. Their insurance policies are available in several currencies. So there is no particular requirement to stick to the one your bank doesn’t support. Needless to say, both credit card and bank transfer payment options are available for all their plans.

If you are an expatiate in China looking for health and medical insurance for you and your family, please get in touch. One of our bilingual consultants will give you general suggestions on what might suit you best.

Source: Morgan Price Website

Looking for the best health insurance in China for foreigners, read this page to learn more what suits you best 

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Pingan Health Insurance

Pingan Health Insurance 150 150 China Access Team

Pingan (Ping An) health insurance for foreigners in China

Pingan is considered one of the most popular local insurance providers in China among expats and foreigners. Established in 1988 in Shenzhen, Pingan Health division however is headquartered in Shanghai. They supply market with various options but not limited to as below:

  • health and medical insurance plans
  • corporate liability insurance for China companies
  • investment linked (annuity) schemes, sometimes those are also referred as retirement insurance in China
  • accidental and disability insurance plans

Pingan Health and Medical Insurance Plans

As for medical plans that are available to foreigners, there are only 2 sets of those with certain tailoring allowed. Access series will be valid only in public (government run) medical facilities such as Peking Union Hospital or China Japan Friendship Hospitals in Beijing or for example Huashan or Ruin Hospitals in Shanghai. Below is an overview of Access series of plans, Executive series has slightly higher limits on each benefit plus will be valid in most private and internationals hospitals throughout China.

Pingan Health Insurance in China









Much lower limits compared to international health insurance providers but so is the price of Pingan Insurance Plans in China. One comes as a result of another one. Get in touch with us if you are interested to learn more about their plans and how they are compared to other popular options on the market these days for expats.

Source: Pingan Health Website