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Employee Basic Medical Insurance

Time:2026-06-13

According to Article 4 of the Interim Measures for Social Insurance System Coverage of Foreigners Working within the Territory of China issued by the Ministry of Human Resources and Social Security, the employer who hires foreigners shall process social insurance registration for the foreigners recruited and employed within 30 days from the date of processing their employment permits. For foreigners dispatched by their overseas employers to work at host service entities, the host service entities shall process social insurance registration on their behalf in accordance with the preceding paragraph. Foreigners employed within the territory of China refer to non-Chinese nationals who have lawfully obtained employment certificates, such as the Foreigner's Work Permit, the Press Card for Resident Foreign Correspondent, as well as residence permits, and those who hold the Foreign Permanent Resident ID Card and are lawfully employed within the territory of China.

Foreign nationals participating in the employee basic medical insurance can present their medical insurance card or electronic medical insurance certificate when settling medical expenses at designated medical institutions. The medical insurance payment part will be transferred from the medical insurance pooling account, and the personal payment part may be directly deducted from the personal account balance (under special circumstances, medical expenses that meet the medical insurance reimbursement scope but are fully paid by the individual can be manually reimbursed by the employer at the medical insurance center in the insured area).

Many foreign nationals choose to purchase medical insurance, and sometimes employers provide medical insurance as part of their employee benefits. You can choose to purchase medical insurance from local or foreign insurance companies. Please note that some public hospitals in China do not recognize medical insurance from foreign insurance companies. When signing a contract with an insurance company, you need to confirm the hospital you are insured for, the type of disease, and other matters. When you see a doctor, please remember to ask for a payment invoice so that you can claim reimbursement from the insurance company later.

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