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Travel Insurance for China

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

Asia Travel Insurance

Travel Insurance for China

  • No Paperwork
  • No Medical Check-up
  • 26 Countries 1 Policy
  • Cashless Hospitalisation Worldwide
Asia Travel Insurance

Plan Details

Ancient, mysterious, and beautiful, China is the third largest country in the world occupying an area of 9,600,000 sq km. An extensive array of terrain and climate shape the natural attractions of this country.

All the more, this country won't fail to surprise you with its rich variety of resources, plants, animals, and minerals.

Unarguably the country has a vast number of tourist attractions, which includes ancient sites and relics, delicate water towns, grand imperial palaces, amazing natural wonders, diversified folk customs, and splendid cultural heritage.

If you are all set for your upcoming trip to China, purchase travel insurance to ensure a safe and financially protected overseas journey.

Travel insurance is a critical travel document that safeguards you against your potential financial risks.

Why Do You Need Travel Insurance for China?

Travel insurance is one of the most useful documents for travelling outside of India. Its main purpose is to cover your unplanned expenses arising from potential mishaps during your stay in a foreign country.

While travel insurance is not mandatory for travelling to China from India, it is highly recommended by the Chinese immigration authorities for the financial assistance it provides.

Here are some other reasons why you should purchase travel insurance for China trip:

Financial Protection

Travelling to an advanced country like China is an expensive affair due to the higher cost of living and healthcare.

By covering your unplanned expenses due to emergency hospitalisation and other insured events, travel insurance China protects your travel budget, which in turn enables you to maximise your travelling experience.

Protect Prepaid Investments

Be it flights, accommodation or tourist activities, advance bookings are necessary for a smooth journey. However, events such as sudden trip cancellations can result in the loss of your non-refundable investment.

This is where having travel insurance for a China trip pays off. It allows you to recover your prepaid/non-refundable payments if your trip gets cancelled or postponed due to a covered event.

Legal Assistance

Third-party liabilities can lead to serious legal consequences, especially when you are not a resident of the country where the incident took place.

Our travel insurance for China offers coverage for your personal liabilities, helping you compensate the third party and pay for the legal expenses.

China Travel Insurance Types

Types of China Travel Insurance Purpose/Ideal For
Individual Travel Insurance It offers financial coverage for a single traveller. These types of plans are great for enjoying dedicated coverage for various events such as medical emergencies, trip cancellations, baggage loss and delays, personal accidents and liabilities and other inconvenient events.
Family Travel Insurance Instead of purchasing multiple individual travel insurance plans for each travelling member, a family travel insurance policy covers all members under one policy. It offers shared coverage and travel insurance benefits for covered events.
Student Travel InsuranceIt is especially designed for covering the travelling expenses of students travelling to China from India. In addition to the standard coverage, our student travel insurance for China also covers events like sponsor loss, bail bond, study interruption, etc.
Senior Citizen Travel Insurance
It is a dedicated travel insurance plan for senior travellers. It offers comprehensive coverage for events such as medical evacuation, dental treatment, compassionate visit, repatriation of mortal remains and many others.
Single-trip Travel Insurance It covers your unforeseen financial risks during a single round-trip out of India. The validity of such insurance plans ends with the end of your overseas journey.
Annual Multi-trip Insurance It offers financial protection for multiple overseas trips taken during a year. It is highly recommended for frequent visitors to China.
Group Travel Insurance It offers travel insurance coverage and benefits to the travelling members of a common group or organisation.

Benefits of Buying the Best Travel Insurance for China

Cashless Hospitalisation

Cashless hospitalisation is the primary advantage of having travel insurance for China. It allows you to receive high-quality cashless treatment without worrying about the hefty healthcare costs in China.

Coverage for Baggage Loss and Delay

Travel insurance for China covers your expenses resulting from the unforeseen loss or delay of your valuable luggage. This benefit ensures an uninterrupted trip by offering compensation to purchase travel essentials in the event of delay and total loss of checked-in baggage.  

Emergency Financial Assistance

Events like theft, mugging and robbery are common while travelling. If you end up losing a significant amount of travelling funds, the right plan like Reliance Asia Travel Insurance provides you with emergency cash to help you continue your trip without any challenges.

Peace of Mind

Most importantly, having travel insurance for a China trip provides you with the satisfaction and peace of mind knowing that you are well-protected against your financial risks.

Reliance China Travel Insurance

Reliance Asia Travel Insurance is your one-stop solution for the best China travel insurance plan. Our plans are tailored to offer comprehensive coverage for a range of unforeseen events such as trip cancellation, emergency hospitalisation, missed connections, baggage loss and delay, loss of passport​ and many more.

Buy our plans today to enjoy 100% claims settlement, low premiums, instant policy purchase, paperless purchase and no medical purchase.

Contact us!

Features of Reliance China Travel Insurance

​​ Coverage Type Maximum Coverage Limit
​Medical Expenses including evacuation and transportation. Up to 500,000
Loss of PassportUp to 300
Dental Treatment Up to 500
Personal Accident Up to 30,000
Delay of Checked-in BaggageUp to 100
Total Loss of Checked-in Baggage Up to 1,500
Trip DelayUp to 60 Per Day (for 6 days maximum)
Accidental Death (common carrier)Up to 5,000
Home Burglary InsuranceUp to ₹300,000
Compassionate VisitReturn flight fare of any one companion (spouse/child/family doctor)

Reliance China Insurance: Inclusions & Exclusions of China Travel Insurance

Inclusions

  • Medical emergencies including evacuation and transportation.

  • Dental treatment (acute anaesthetic procedures)

  • Loss of checked-in baggage

  • Baggage delay (only checked-in baggage)

  • Trip cancellations and delays

  • Missed connections

  • Personal accidents and injuries

  • Accidental Death

  • Personal liabilities  

  • Hijack distress allowance

  • Compassionate visit

  • Repatriation of mortal remains

Exclusions

Reliance Travel Insurance plans do not cover any damages and expenses resulting from the following events:

  • War or nuclear attacks

  • Self-inflicted harm and injuries

  • Mental illness

  • HIV-AIDS

  • Travelling against the advice of the doctor

  • Planned medical treatment

  • Loss of passport because of your negligence

  • Any damage to the contents of checked-in baggage

Eligibility Criteria to Buy Reliance China Travel Insurance

​​​ Type of Plan Eligibility
Individual Travel Insurance for China 3 months to 65 years of age
Family Travel Insurance for ChinaMaximum four family members (self, spouse, dependent children and parents)

How to Buy Travel Insurance for China?

  • Step 1: Visit our homepage and go to “Explore Products" -> “Travel Insurance" -> “Asia Travel Insurance​".

  • Step 2: Select your travel type (individual, family or annual multi trip) and click “Next".

  • Step 3: Enter required information such as travel region, date of journey, mobile number, date of birth, email ID and so on.

  • Step 4: Check the premium details and click “Buy Now".

  • Step 5: Add a few additional details and make the premium payment.​

Upon completion of successful payment, your policy documents will be sent to your registered details.

Benefits of Buying Travel Insurance Online for China

Instant Issuance

Purchasing travel insurance for China online is simple and quick. No need to wait for several days to receive your travel insurance plan. We offer instant issuance to help you buy a desired policy in just a couple of minutes.

Paperless Purchase

Another benefit of purchasing travel insurance online for China is the paperless policy purchase. This means you don't have to gather and arrange a lot of paperwork when buying online. Your policy is shared digitally for added convenience and security.

No Medical Screening

If you are below 45 years of age and have good health, you don't have to undergo any kind of medical screenings to purchase a suitable plan. You can buy any plan directly by following a few simple steps online.

Saves Money

Buying travel insurance for China online can also help you save money. We offer excellent discounts on online policy purchases made through our website and Self-i application.

Informed Purchase

Last but not least, purchasing online allows you to make an informed decision as you can compare multiple plans and select the best that aligns with your budget and travel risks.

How to Claim China Travel Insurance?

Step 1: Intimate Your Claim

Within 24 hours of the occurrence of the covered event, intimate your claim by contacting our claims helpline. This is a crucial step for a successful claim resolution.

Step 2: Avail Cashless Hospitalisation at Your Travel Destination

In the event of a medical emergency, you can avail of our cashless hospitalisation benefit at your travel destination. For this, you can contact our emergency assistance abroad. Our claims team will assist you throughout the process.

Step 3: File for Reimbursement

Upon your return to India, you can file a claim for reimbursement for your covered expenses. For this, you need to submit a correctly filled claims form along with support documents such as your discharge papers, various receipts and invoices to our nearest branch.

After receiving your documents, our team will check and verify your claim and release the applicable reimbursement amount.

Travel Insurance China Cost

Wondering how much it costs to buy China travel insurance?

Multiple factors are taken into the picture when calculating the cost of travel insurance for your trip to China. Some of these are as follows:

Stay Duration

Your cost of travel insurance plan for China differs depending upon the length of your stay. Note that shorter stays result in lower costs as compared to longer stays.

Sum Insured

We offer different types of travel insurance policies based on coverage limits. Your insurance premiums will be higher if you choose a plan with a higher sum insured.

Type of Policy

The type of China travel insurance plan also dictates your insurance premiums. For instance, single-trip insurance comes at a low cost as compared to an annual multi-trip policy. However, the latter is affordable for frequent visits to China as you don't have to purchase a travel policy each time you visit.

Add-ons/Riders

Finally, the choice of any additional coverage via riders can also increase your premiums. However, travel insurance add-ons are highly recommended due to the enhanced coverage they provide.

Tips to Buy Travel Insurance for China from India

Learn About Requirements

Before buying travel insurance for China from India, take enough time to evaluate your travel risks and select a suitable policy accordingly.

Compare Multiple plans

To select the best travel insurance for China, consider comparing multiple plans based on features, inclusions and exclusions, claims settlement process, premium rates and so on.

Opt for the Right Policy Type

Most important of all, make sure to opt for the right type of insurance for dedicated coverage. Based on your unique requirements, you can pick from various types of policies such as individual travel insurance, senior citizen travel insurance, student travel insurance and so on.

Select Adequate Sum Insured

Selecting the right sum insured is crucial for efficient coverage against your financial risks. This is because if your maximum claim limit is low, you might have to pay for certain expenses out of your pocket.

Similarly, choosing a higher sum insured than required may lead to an increased premium. Hence, always select the right sum insured value as per your requirements.

Go Through Policy Wordings

Make sure to read and understand your policy wordings carefully before purchasing a policy. This is crucial to ensure an extensive coverage and a smooth claims settlement process.

China Visa and Entry Information

Do Indians Need a Visa to Enter China?

Yes. Indian visitors must acquire a suitable visa based on their travel purpose to enter China.

Since there are no “visa-on-arrival" arrangements between India and China, you need to apply for a visa from India before your specified travelling date.

Type of Visas Available for China

Visa Type Purpose
Visa Type-LIt is granted to individuals who want to visit China for the purpose of tourism.
Visa Type-FIt is issued to the individuals who want to visit China to participate in cultural exchanges, tourism and other non-business activities.
Visa Type-JIt is available for Indian journalists who need to visit China for reporting purposes.
Visa Type-MIt is granted to applicants who want to visit China for trade and commercial purposes.
Visa Type-QIt is a family visa granted to those who want to join their family in China.
Visa Type-RIt is granted to highly-skilled individuals invited to work in special fields in China.
Visa Type-SIt is a dependent visa issued to spouses or dependents of study or work visa holders in China.
Visa Type-XIt is available for students who want to visit China for study.  
Visa Type-ZIt is available for individuals who want to work in China.

Online Application Process for China Visa

  • Step 1: Visit the website of the authorised Chinese Visa https://www.visaforchina.cn/DEL2_EN/ Application Centre.

  • Step 2: Select the “Visa Step-by-Step Guidance" to start your visa application.

  • Step 3: Select a suitable visa category based on your travel purpose.

  • Step 4: Fill your visa application carefully and upload the documents. Once submitted, download the confirmation page of your visa application.

  • Step 5: Visit the Chinese Embassy or consulate office nearest to your location along with your application form and documents.

  • Step 6: Attend the visa interview and provide your fingerprints. If you are below 14 or above 70 years of age or have already provided biometrics up to five years, you are exempted from submitting your fingerprints.

  • Step 7: Pay your visa fees and download the acknowledgement receipt.

  • Step 8: Wait for your visa decision. Once out, you can collect your documents from the same embassy or consulate.

List of Documents Required for China Visa

  • Valid Indian passport (must have at least six months of validity with a minimum of two blank pages)

  • Passport-size photographs

  • Confirmed flight tickets (round-trip)

  • Proof of confirmed accommodation in China.

  • Travel itinerary along with purpose of visit

  • Complete and signed visa application form.

  • Proof of funds

  • Any visa-specific documents requested by the Chinese Visa Application Centre.

Embassy of China in India

NameEmbassy of People's Republic of China
Location in IndiaNew Delhi
Address 50-D, Shantipath, Chanakyapuri, New Delhi, 110021
Contact Number011-2611-2345
Website http://in.china-embassy.gov.cn/eng/sgxx/200604/t20060412_2221294.html
Operating DaysMonday to Friday
Operating Hours9 am to 12:30 pm, 3 am to 5:30 pm

Best Time to Visit China

​​  Seasons  Tourist Influx Months Weather Conditions
Winter LowNovember to March
  • Temperatures between 0 to 8 degrees.
  • Chilly and heavy snowfall in some areas.
Spring HighApril to May
  • Temperatures between 10 degrees to 23 degrees.
  • Warm and comfortable weather.
Summer LowJune to August
  • Temperatures ranging from 25 degrees to 33 degrees.
  • High temperatures with humidity.
Autumn HighSeptember to October
  • Bright days with occasional rain.
  • Temperatures ranging from 15 degrees to 27 degrees.

Interesting Facts About China

  • With more than 1.4 billion people, China is officially the second most populous nation in the world.

  • The Great Wall of China is among the oldest and most popular ancient structures in the world. It is more than 13,000 miles in length and was built to protect the Kingdom against foreign invasion.

  • The People's Liberation Army of China has never lost a single war since its formation in 1949.

  • The New Year celebrations in China last for a whopping 15 days.

  • If put together, all the railway lines in China can loop through the earth twice.

  • Hong Kong alone has more skyscrapers than any other city across the globe.

  • Dogs receive special treats on the Chinese New Year.

Money-Saving Tips for China

  • Use public transportation instead of private cabs and taxis to save money on commuting. China has an impressive public transportation network, which includes trains, buses, and subways.

  • Dine at local eateries and food markets for cheap and wholesome Chinese meals.

  • Don't forget to bargain when shopping at local markets.

  • Avoid visiting tourist hotspots that often showcase inflated prices. Instead, explore off-beat destinations.

  • Travel during the off-season to save money on flight fares and accommodation.

  • Make all your bookings in advance and look for various discount coupons.

  • Stay at hostels or guest houses instead of high-end hotels.

  • Carry travel insurance for China trip to cover unforeseen expenses.

  • Utilise free Wi-Fi and internet calling to make international calls.

  • Avoid local currency conversion services as they can charge poor exchange rates. Instead, always get your currency exchanged at the official currency conversion counters at the airport.

  • Make sure to pack light and save some room for your vacation shopping in China. Overpacking can lead to unnecessary fees and even confiscation of some of your favourite items. Hence, pack wisely.

China Travel Essentials: What to Pack for Your China Trip?

Clothing and Accessories

  • Weather-appropriate clothing.

  • Comfortable footwear.

  • Modest outfits for religious places.

  • Rainwear if travelling during monsoons.

  • Sunglasses

  • Hat/cap

  • Scarves

Toiletries  and Personal Hygiene

  • Soap, shampoo, body lotion, etc. in travel size.

  • Toothpaste and toothbrush

  • Tissues, wet wipes

  • Makeup and skincare products.

Electronics and Entertainment

  • Smartphone with charger

  • Laptop/tablet with charger

  • Camera

  • Tripod

  • Earphones

  • Powerbank

  • Translation apps

  • Navigation apps

  • A few books

Travel Documents

  • Visa

  • Passport

  • China travel insurance

  • Physical or digital Copies of advance bookings

  • Confirmed flight tickets for round-trip

  • Maps or guidebooks

  • Complete travel itinerary for China

  • Emergency contact numbers

First Aid

  • Hand sanitiser

  • Basic first-aid kit containing bandages, antiseptic cream and a few other essentials for minor cuts and scrapes.

  • Basic medication for nausea, acidity, diarrhoea, body pain and constipation.

  • Pain relieving spray or balm.

  • Any prescribed medicines.

Money and Payments

  • Enough cash (make sure to exchange your currency at the airport)

  • Credit/debit cards are applicable for foreign payments.

  • Payment applications are specific to China. Alipay and WeChat Pay are great options.

​Others

  • Homemade snacks and eatables, especially if you follow a strict vegetarian diet.

  • Reusable water bottle

  • Ready-to-eat food packets

  • Neck pillow, sleeping mask and a lightweight shawl

  • Small umbrella

  • Small backpack

Tips for Precautions and Safety in China

  • Make sure that you are fully vaccinated before advancing your trip to China.

  • Air quality in China is not great in major cities like Shanghai and Beijing. Make sure to carry a respiratory mast if you have breathing problems.

  • Stay hydrated and avoid drinking tap water. Always prefer bottled or boiled water.

  • Eat freshly cooked and hot food. Stay away from undercooked or strange food items.

  • Be aware of tourist scams when shopping and sightseeing.

  • Avoid sharing your personal details with strangers.

  • Keep your travel documents, especially your visa and passport, safe.

  • Follow local rules and regulations when exploring local attractions.

  • Dress modestly when visiting religious sites like temples and monasteries. Also, avoid hurting the sentiments of locals.

  • Be very friendly to locals and stay alert all the time.

  • Remember a few useful emergency contacts.

  • Use a secure VPN connection to use common sites that are blocked in China. These include WhatsApp, Google, Instagram, etc.

  • Learn a few common phrases in Mandarin to communicate smoothly with locals.

  • Make sure to ask for permission before clicking pictures of local monuments or residents.

  • Be cautious when travelling to remote areas. It is highly recommended to hire a travel guide for a hassle-free experience.

Best Tourist Places in China

  • The Great Wall of China

  • Potala Palace

  • Forbidden City

  • Xi'an, the Terracotta Army

  • Li River

  • The Summer Palace

  • Yangtze River

  • The Mausoleum of Light

  • Hong Kong Skyline

  • Tiananmen Square

  • Beijing Ancient Observatory

  • National Museum of China

  • The Fayuan Temple

  • Nanjing Road

  • Shanghai Museum

  • Fubo Hill

  • Mt. Huashan

Best Things to Do in China

Explore the Terracotta Army

The Terracotta Army at Xi'an is one of the most surprising historical sites in the world. Founded in the 20th century, the terracotta army contains life-size Chinese soldiers, chariots and horses, which were buried nearly 2000 years ago to protect China's first King in his afterlife.

Enjoy Authentic Chinese Dishes

While Chinese cuisine is popular all across the world, the best place to try the most authentic dishes remains China itself. You will be amazed by the difference in Chinese food here. Make sure to try Kung Pao Chicken, Chinese Hot Pot and Peking Roast Duck.

Visit Giant Pandas in Chengdu

If you are an animal lover, don't forget to witness the cutest and most playful giant pandas in Chengdu. It is undoubtedly the best place to see these unique creatures in their natural habitat.

Explore Shanghai

To explore the hi-tech and glamorous side of China, don't miss spending a day or two in Shanghai. You will be amazed by the tall skyscrapers, hi-tech buildings, advanced infrastructure, and stunning nightlife in the city.

Visit the Great Wall of China

The Great Wall of China is among the oldest architectural marvels in the world. Visiting this iconic monument will provide you with interesting insights into the ancient history and culture of China. Not to mention, you will be able to enjoy the most breathtaking views while walking through the great wall.

Frequently Asked Questions On China Travel Insurance

  • Do Chinese people need a visa to visit India?

    Yes. Every Chinese resident with a valid passport needs a suitable visa to enter India. There are no visa-free arrangements for Chinese visitors to India.

  • What is the validity of my China travel insurance?

    The validity of your China travel insurance depends on the type of policy you have purchased. If it is a single-trip policy, it stays valid up to your specified return date in India. However, an annual multi-trip insurance​ stays valid for a year.

  • Is China safe to travel from India?

    China is generally safe to visit from India. However, travel safety in case of overseas travel is subject to various factors such as geo-political conditions, immigration regulations, current health scenarios and so on. Make sure to look into all these factors to ensure an exciting trip to China.

  • Can I extend my China travel insurance?

    Yes. You can easily extend your China travel insurance in case your trip gets extended due to some reason. To do this, you need to submit a duly filled Extension Form along with a Good Health Declaration Form.

  • Does travel insurance for China trip cover planned hospitalisation?

    No. Travel insurance for China does not offer coverage for any kind of planned treatment. Our travel insurance plans only cover medical emergencies that lead to unforeseen expenses. If you are looking for a plan that covers your planned hospitalisation abroad, you can check out our Reliance Health Global plans.

  • What is the maximum claim limit of Reliance China travel insurance plans?

    With our Asia travel insurance plans, you can claim up to USD 500,000 for medical emergencies including evacuation and transportation. Get in touch with our team for more information.​

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