Ways to Obtain Medical Insurance in China

In China, medical insurance is typically acquired through two primary channels: social insurance and commercial insurance. Social insurance provides basic life protections for eligible workers, who can access five essential benefits by establishing employment relationships or adhering to prescribed social security contributions. These benefits include medical insurance, unemployment insurance, pension insurance, work-related injury insurance, and maternity insurance.

 

How to Enroll in Insurance?

 

For Foreigners:

 

Enrolling Employees in Social Insurance:

 

- Open a corporate social insurance account within the company's jurisdiction.

- Transfer the existing social insurance relationships of employees within the company to this account.

- Obtain a detailed payment statement from the social insurance bureau during the initial month of payment. This statement includes employee names, ID numbers, and payment bases.

- Complete the procedures for entrusting local banks with social insurance payment deductions (this is done at the bank where the company holds an account).

- Going forward, only submit forms to the social insurance office for adding or removing insured individuals.

 

The specific documentation required for opening a corporate social insurance account and procedures for adding employees to social insurance can vary based on location and policy changes. It’s important to adhere to the social insurance regulations specified in the jurisdiction where the company operates.

 

How to Inquire About Personal Accounts and Check Your Balance?

 

WeChat

1. Open WeChat and tap on “Me” at the bottom.

2. Tap on “Services” at the top and scroll up to find “City Services” at the bottom.

3. Tap on “City Services” and locate “Social Insurance” at the bottom.

4. Open “Social Insurance” and apply for your electronic social insurance card.

5. Click on “Electronic Social Insurance Card” and access “Personal Social Insurance Account Balance Inquiry.”

6. View your medical insurance information, including personal account details, balance payments, transaction records, expense details, and usage history.

 

Alipay

1. Open Alipay and notice the “More” section at the bottom.

2. Open it and select “Citizen Service Center.”

3. Locate “Social Insurance” at the bottom and open it.

4. Link your electronic social insurance card.

5. Click on “Medical Insurance Balance Inquiry” and follow the instructions to check your medical insurance balance.

6. Complete the facial recognition as per the page’s instructions and access features such as records of medical insurance usage, deposit details, and insurance status.

 

Call 12333

The third method is to dial 12333. 12333 is the hotline for labor and social security services. By calling, you can follow the voice prompts to check your social insurance card balance.

 

Counter

The fourth method is to visit a counter. Look for the bank branch listed on your social insurance card. Take your card to the corresponding counter and ask the staff to help you with the inquiry.

 

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