For traveling, many companies that provide health insurance domestically also cover health costs abroad. The best way to find out is to contact your insurance company and see whether your policy covers health-related traveling expenses.
There are specific insurance packages designed to cover people who are traveling. These policies are often in addition to regular insurance coverage and may provide more extensive coverage than is available through normal policies.
For those living and working in China, traveler's insurance won't be enough. A health plan is as necessary in China as it is in the United States. Western companies operating in China often provide this as a benefit.
If insurance is not provided by an employer, several private insurance companies operate in China. These insurance companies, including the likes of Aetna, help provide health coverage for people living in China.
China is a socialist country, so all of its citizens have coverage provided by the government. There is also a growing private market. However, a foreigner working for a Chinese company may not be covered by the government and may have to seek private coverage.
