Already in China without travel insurance? It's not too late.已经到了中国，还没买旅行保险？现在还来得及。
Clear, honest guidance on health and travel cover for foreigners in China — plus a licensed local agent to help you enroll properly and support you if you need care.为在华外国人提供清晰、实在的医疗与旅行保险指引，并由持牌本地顾问协助您合规投保、就医时提供支持。
How I can help我能帮您什么
Understand your options了解选择
Plain-language explanations of coverage types and what to look for.用通俗语言讲清保障类型与选择要点。
Enroll through licensed channels合规投保
I work with major international insurers and help you apply through proper, licensed channels.我与多家大型国际保险公司合作，协助您通过持牌正规渠道投保。
Local support本地协助
Hospital guidance, claims paperwork and language support while you are in China.在华期间提供就医指引、理赔材料整理及语言协助。
Why work with a local licensed agent为什么选择本地持牌顾问
- 13 years of insurance experience13年保险从业经验
- Licensed — see license details in the footer持牌执业——执照信息见页脚
- English & Chinese support中英文双语服务
- Help before and after you buy, including claims投保前后全程协助，包括理赔
Anonymous claim scenarios匿名理赔情景
Illustrative process walkthroughs based on common situations. Details are anonymised; no amounts or products are shown, and every real claim is decided by the insurer.以下为根据常见情况整理的流程示例，信息已匿名，不涉及金额与产品，实际理赔以保险公司审核为准。
1 · Sudden illness1 · 突发疾病
A visitor develops a high fever on a business trip. We help choose a suitable hospital, explain registration, and remind them to keep the medical record, receipts (fapiao), and test reports. Afterwards we help organise the claim form and documents for submission to the insurer.一位商务访客出差期间高烧。我们协助选择合适的医院、说明挂号流程，提醒保留病历、发票和检查报告；事后协助整理理赔申请表及材料提交保险公司。
2 · Accident injury2 · 意外受伤
A tourist sprains an ankle while hiking. After emergency care, we help request an English-language diagnosis where available, collect the accident description and invoices, and track the claim's progress with the insurer.一位游客徒步时扭伤脚踝。急诊处理后，我们协助申请英文诊断（如医院可提供），整理事故说明和发票，并跟进理赔进度。
3 · Medical evacuation3 · 医疗转运
A traveller in a smaller city needs specialist treatment. We help contact the insurer's 24h assistance line, which assesses and arranges any transfer under the policy terms, while we support communication with the hospital and family.一位在小城市的旅客需要专科治疗。我们协助联系保险公司24小时救援热线，由其依据合同条款评估并安排转运，同时我们协助与医院及家属沟通。
Get started开始咨询
Tell me about your stay and I'll explain your options. No obligation.告诉我您的行程情况，我来为您讲解可选方案，没有任何义务。