China

Going on holiday or taking a business trips will typically have little bearing on your life insurance when you travel to China.

To make sure that your life insurance is placed with the best insurer for you, our advisers will ask:

• How long will you be staying in China?
• When will you be travelling to China?
• What is your reason for travelling to China?

Short term trips of less than 30 days are unlikely to cause any concern to the insurance provider that you place your life insurance application with. You are likely to get normal terms for life insurance.

For people that plan on being in China for extended periods of time, the insurer you approach may ask for more specific details about your journey.

If you are planning on travelling to China to take part in extreme sports, the insurer will want to assess the risk of your activities whilst in the country. Sports enthusiasts will find our dedicated page on diving useful to read before applying for life insurance.

British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need. 

Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.

Whether you are working in China or taking a vacation there, you will more than likely be offered standards terms on your critical illness cover.

Travelling to China for less than 30 days at a time will typically have little bearing on your critical illness application, with standard terms generally available. This means no exclusions or increases to the policy premium.

As with life insurance, if you plan on travelling to China to do high-risk sports it is important that you discuss this with the insurer when you apply for critical illness cover. At this stage the insurer is going to be far more concerned with the risks associated with your hobbies, rather than the trip to China. Take a look at our hazardous pastimes section to find out more.

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

When you travel to China, income protection may be available at standard terms depending upon your circumstances. If your trip to China is work related, the insurer may want to know additional details such as your working tasks whilst in the country and how often you are required to travel outside of the UK for your occupation.

When setting up your income protection you should aim to arrange the policy on an own occupation basis. This will give you access to the strongest claims definition in the unfortunate event that you are unable to work due to ill health. 

Get an Income Protection Quote

Going to China? We work with a specialist travel insurance broker to provide you with comprehensive travel cover to most countries. Request your no obligation quotation here.