中国旅游保险选购指南 | Travel Insurance Guide for China Trips

为什么必须买 / Why It's Essential

中国公立医院对外国人收费较高，普通门诊¥500–2,000，住院每天¥3,000–10,000，紧急手术费用可达¥50,000以上。没有保险，医疗费用可能成为旅途最大开支。此外，航班取消、行李丢失、手机被盗等意外在长途旅行中并不罕见。

Chinese public hospitals charge foreigners relatively high fees: outpatient visits ¥500–2,000, hospitalization ¥3,000–10,000/day, emergency surgery can exceed ¥50,000. Without insurance, medical costs could become your trip's biggest expense. Flight cancellations, lost luggage, and phone theft are also not uncommon during long trips.

保险类型 / Insurance Types

综合旅游保险（推荐）：涵盖医疗、行程取消、行李延误、个人责任。World Nomads和Allianz Global是热门选择，均支持在线投保。医疗专项：仅覆盖医疗急救和住院，价格较低。信用卡附带：部分高端信用卡提供旅行保险，但保额有限且需用该卡购票激活。

Comprehensive travel insurance (recommended): Covers medical, trip cancellation, baggage delay, personal liability. World Nomads and Allianz Global are popular choices with online purchasing. Medical-only: Covers emergency medical and hospitalization only, cheaper. Credit card insurance: Some premium cards include travel insurance, but coverage is limited and activation requires purchasing tickets with that card.

选购要点 / What to Look For

• 医疗保额：建议至少$100,000，含紧急医疗撤离
• 覆盖区域：确认包含中国大陆
• 已有疾病：多数保险不覆盖已有病症，需额外购买附加条款
• 高风险活动：徒步、攀岩、滑雪等需确认在承保范围内

• 免赔额：越低越好，但保费会相应上升

• Medical coverage: At least $100,000 recommended, including emergency medical evacuation

• Coverage area: Confirm mainland China is included
• Pre-existing conditions: Most policies exclude them; buy a rider if needed
• High-risk activities: Hiking, rock climbing, skiing — confirm they're covered
• Deductible: Lower is better, but premiums increase accordingly

理赔流程 / How to File a Claim

就医时保留所有收据和诊断报告（要求英文版）。回国后在线提交理赔，通常需：就医证明、费用清单、护照信息页、保险单号。处理时间约7–21个工作日。