Whether foreigners need to purchase insurance in China depends on the specific circumstances:
Foreigners coming to work in China: According to Chinese laws and regulations, employers should participate in basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance and maternity insurance for foreigners legally employed in China, and the employers and themselves should pay social insurance premiums according to regulations.
Foreigners studying in China: Some schools may require foreign students to purchase insurance designated by the school or commercial insurance that meets certain requirements to cover medical risks and other risks they may face during their studies.
Foreigners visiting China: Although there is no mandatory requirement, it is recommended to purchase relevant insurance, such as travel insurance, medical insurance, accident insurance, etc., to deal with the risks of accidental injury, disease, baggage loss, etc. that may be encountered during travel.
Foreigners who come to China for a short-term business trip: There are no mandatory provisions, but they can provide necessary protection during their business trip to prevent sudden illness or accidents by purchasing short-term commercial insurance, such as accidental insurance and medical insurance.
