{"id":617,"date":"2025-04-08T08:19:49","date_gmt":"2025-04-08T08:19:49","guid":{"rendered":"https:\/\/sinofrance.fr\/insurance\/"},"modified":"2026-10-01T19:14:05","modified_gmt":"2026-10-01T19:14:05","slug":"insurance","status":"publish","type":"page","link":"https:\/\/sinofrance.fr\/en\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"<div class=\"page-heading\">\n<div class=\"container\">\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\"><a href=\"https:\/\/sinofrance.fr\/en\/\">Home<\/a><span aria-hidden=\"true\">\/<\/span><span>Insurance<\/span><\/nav>\n<div class=\"eyebrow\">SinoFrance<\/div>\n<h1>Insurance<\/h1>\n<\/div>\n<\/div>\n<style>\n.sf-insurance{--si-navy:#122b40;--si-ink:#183346;--si-red:#bd3b3b;--si-mist:#f2f5f7;--si-line:#dce3e7;--si-muted:#546777;color:var(--si-ink);font-family:'DM Sans',Arial,sans-serif;line-height:1.65}\n.sf-insurance .hero{background:linear-gradient(115deg,#f3f6f7,#fff 70%);padding:46px 0;border-bottom:1px solid 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var(--si-line);font-size:12px}\n.sf-insurance th{background:var(--si-navy);color:#fff}\n.sf-insurance td:first-child{font-weight:600}\n.sf-insurance tr:last-child td{border:0}\n.sf-insurance .note{margin-top:12px}\n.sf-insurance .conditions{display:grid;grid-template-columns:1fr 1fr;gap:22px}\n.sf-insurance .condition{padding:22px;background:var(--si-mist);border-left:3px solid var(--si-red)}\n.sf-insurance .condition h3{font-size:24px;margin:0 0 10px}\n.sf-insurance .condition p,.sf-insurance .condition li{font-size:13px;color:var(--si-muted)}\n.sf-insurance .condition ul{padding-left:18px;margin:8px 0}\n.sf-insurance .disclaimer{background:#fff8ee;border:1px solid #ecd9b6;padding:18px 20px;margin-top:20px;font-size:12px;color:#584b37}\n.sf-insurance .cta{background:var(--si-navy);color:#fff;padding:34px 28px;margin:22px 0}\n.sf-insurance .cta-in{display:flex;align-items:center;justify-content:space-between;gap:22px}\n.sf-insurance .cta h2{color:#fff;font-size:29px;margin:0}\n.sf-insurance .cta p{font-size:13px;color:#ffffffb5;margin:8px 0 0}\n.sf-insurance .cta a{background:#fff;color:var(--si-navy);text-decoration:none;padding:11px 16px;font-size:13px;white-space:nowrap}\n.sf-insurance .video-intro{margin:36px 0 16px}\n@media(max-width:760px){.sf-insurance .hero-grid,.sf-insurance .cards,.sf-insurance .conditions{grid-template-columns:1fr}.sf-insurance .hero{padding:34px 0}.sf-insurance .hero-title{font-size:44px}.sf-insurance .section{padding:38px 0}.sf-insurance .card{padding:22px}.sf-insurance .card.featured{padding-top:19px}.sf-insurance .cta-in{align-items:flex-start;flex-direction:column}}\n<\/style>\n<div class=\"page-content container\">\n<div class=\"sf-insurance\">\n<section class=\"hero\">\n<div class=\"container hero-grid\">\n<div>\n<div class=\"eyebrow\">Accident insurance \u00b7 China<\/div>\n<h2 class=\"hero-title\">A clearer view of accident cover.<\/h2>\n<p>Explore two accident-insurance options presented by SinoFrance in China. Compare key benefits and request confirmation for your circumstances.<\/p>\n<\/div>\n<aside class=\"hero-art\">\n<div class=\"art-mark\">SinoFrance \u00b7 practical information<\/div>\n<h3>Two plans. Clear benefits to compare.<\/h3>\n<p>A practical overview, subject to the full policy terms.<\/p>\n<\/aside>\n<\/div>\n<\/section>\n<section class=\"section\" id=\"assurance\">\n<div class=\"container\">\n<div class=\"section-head\">\n<div class=\"eyebrow\">SinoFrance plans \u00b7 indicative annual premiums<\/div>\n<h2>Choose the level that fits you.<\/h2>\n<p>The prices below come from the presentation supplied to SinoFrance; the insurer must confirm they are current. The RMB 1,800 Premium Plan is the version including special-care services and private facilities; it is not the standard Plan 5 rate.<\/p>\n<\/div>\n<div class=\"cards\">\n<article class=\"card\"><span class=\"tag\">Balanced<\/span><\/p>\n<h3>Serenity Plan<\/h3>\n<div class=\"plan\">Plan 3 \u00b7 standard version<\/div>\n<div class=\"price\">705 <span class=\"per\">RMB \/ <span>year<\/span><\/span><\/div>\n<div class=\"price-note\">Annual amount shown in the presentation supplied to SinoFrance<\/div>\n<div class=\"rule\"><\/div>\n<ul>\n<li><span class=\"check\">\u2713<\/span><span>Accidental death or disability: up to RMB 500,000<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Accident medical expenses: up to RMB 25,000 per accident; 100% of eligible expenses, no deductible in supplied table<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Accident hospitalization: RMB 150\/day allowance, subject to terms<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Private hospitals and special-care departments are excluded from the standard version<\/span><\/li>\n<\/ul>\n<p><a class=\"btn\" href=\"#conditions\">Review key conditions<\/a><\/p>\n<div class=\"fine\">Up to 100 days per year for the main allowance, with a 5-day deductible per accident. Special-care \/ private-hospital option: 1 320 RMB per year, with a separate limit of 8 000 RMB; confirm the premium and terms with the insurer.<\/div>\n<\/article>\n<article class=\"card featured\"><span class=\"tag\">Enhanced cover<\/span><\/p>\n<h3>Premium Plan<\/h3>\n<div class=\"plan\">Plan 5 \u00b7 <span>special-care \/ private-facility version<\/span><\/div>\n<div class=\"price\">1 800 <span class=\"per\">RMB \/ <span>year<\/span><\/span><\/div>\n<div class=\"price-note\">Annual amount shown in the presentation supplied to SinoFrance<\/div>\n<div class=\"rule\"><\/div>\n<ul>\n<li><span class=\"check\">\u2713<\/span><span>Accidental death or disability: up to RMB 1,000,000<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Accident medical expenses: up to RMB 50,000 per accident; 100% of eligible expenses, no deductible in supplied table<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Accident hospitalization: RMB 300\/day allowance, subject to terms<\/span><\/li>\n<li><span class=\"check\">\u2713<\/span><span>Special-care \/ private-facility cap: RMB 13,000<\/span><\/li>\n<\/ul>\n<p><a class=\"btn\" href=\"#conditions\">Review key conditions<\/a><\/p>\n<div class=\"fine\">Premium and eligibility must be confirmed with the insurer before enrollment. SinoFrance can point you to the right information.<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"section compare\">\n<div class=\"container\">\n<div class=\"section-head\">\n<div class=\"eyebrow\">Benefit snapshot<\/div>\n<h2>Key benefit amounts, side by side.<\/h2>\n<p>Summary based on the supplied benefit table. Payment depends on policy definitions, limits, documentation, and exclusions.<\/p>\n<\/div>\n<div class=\"table-wrap\">\n<table>\n<thead>\n<tr>\n<th>Benefit<\/th>\n<th>Plan 3 \u00b7 <span>Serenity<\/span><\/th>\n<th>Plan 5 \u00b7 <span>Premium<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Accidental death \/ disability<\/td>\n<td>500 000 RMB<\/td>\n<td>1 000 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Accident medical expenses \/ event<\/td>\n<td>25 000 RMB<\/td>\n<td>50 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Main hospitalization allowance \/ day<\/td>\n<td>150 RMB<\/td>\n<td>300 RMB<\/td>\n<\/tr>\n<tr>\n<td>Additional accident hospitalization allowance \/ day (max 30 days)<\/td>\n<td>300 RMB<\/td>\n<td>600 RMB<\/td>\n<\/tr>\n<tr>\n<td>Special-care \/ private facilities (separate cap)<\/td>\n<td>Not included at 705 RMB. Special-care \/ private-hospital version: 1 320 RMB per year, with a limit of 8 000 RMB.<\/td>\n<td>13 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Emergency medical evacuation and repatriation<\/td>\n<td>150 000 RMB<\/td>\n<td>150 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Air, sea, rail transport \u2014 death \/ disability<\/td>\n<td>500 000 RMB<\/td>\n<td>1 000 000 RMB<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p class=\"note\">Accident medical expenses are reimbursed subject to eligible expenses and policy terms. A separate accident-related hospitalization benefit is also listed with its own limits. The English document is indicative; the Chinese contractual table prevails.<\/p>\n<\/div>\n<\/section>\n<section class=\"section\" style=\"padding-top:0\">\n<div class=\"container\">\n<div class=\"section-head\">\n<div class=\"eyebrow\">Other listed benefits<\/div>\n<h2>Additional benefits, subject to terms.<\/h2>\n<\/div>\n<div class=\"table-wrap\">\n<table>\n<thead>\n<tr>\n<th>Benefit<\/th>\n<th>Amount \/ limit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Sudden death (separate benefit)<\/td>\n<td>100 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Additional accident hospitalization allowance \/ day (maximum 30 days)<\/td>\n<td>Plan 3: 300 RMB \/ day \u00b7 Plan 5: 600 RMB \/ day<\/td>\n<\/tr>\n<tr>\n<td>Accident-related ambulance<\/td>\n<td>Up to RMB 1,000<\/td>\n<\/tr>\n<tr>\n<td>Helicopter rescue in Nepal<\/td>\n<td>Up to RMB 6,000<\/td>\n<\/tr>\n<tr>\n<td>Roadside assistance<\/td>\n<td>One service per policy period, subject to terms<\/td>\n<\/tr>\n<tr>\n<td>Other public transport (excluding air, rail, sea) \u2014 accidental death \/ disability<\/td>\n<td>Plan 3: 500 000 RMB \u00b7 Plan 5: 200 000 RMB<\/td>\n<\/tr>\n<tr>\n<td>Private car \u2014 accidental death \/ disability<\/td>\n<td>Plan 3: 300 000 RMB \u00b7 Plan 5: 200 000 RMB<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<\/section>\n<section class=\"section\" id=\"conditions\">\n<div class=\"container\">\n<div class=\"section-head\">\n<div class=\"eyebrow\">Check before enrollment<\/div>\n<h2>Understand what the policy covers.<\/h2>\n<p>This is accident insurance, not general health insurance. These are key points from the supplied documents.<\/p>\n<\/div>\n<div class=\"conditions\">\n<article class=\"condition\">\n<h3>Eligibility and hospitals<\/h3>\n<ul>\n<li>The displayed plans are intended for adults aged 18\u201365; occupation classes 1\u20133, subject to confirmation.<\/li>\n<li>Care must meet the eligible hospital and department definitions in the policy.<\/li>\n<li>One policy per insured; income documents may be requested for some benefits.<\/li>\n<\/ul>\n<\/article>\n<article class=\"condition\">\n<h3>Important exclusions<\/h3>\n<p>The documents notably exclude intentional injury, some accidents involving alcohol or drugs, specified hazardous activities or sports, illness-related or medical-procedure consequences, and ineligible care. Each benefit also has its own exclusions.<\/p>\n<\/article>\n<\/div>\n<div class=\"disclaimer\"><strong>Important information.<\/strong> <span>This is an informational, non-contractual summary. It is not a binding offer or confirmation of eligibility. Full terms, limits, deductibles and exclusions are in the Chinese policy documents and prevail; the English table is indicative. Confirm the current premium, selected version and terms with the insurer before enrollment; SinoFrance can provide guidance. No cooling-off period applies; cancellation after inception may involve a deduction.<\/span><\/div>\n<\/div>\n<\/section>\n<section class=\"cta\">\n<div class=\"container cta-in\">\n<div>\n<h2>Questions about a plan or its terms?<\/h2>\n<p>Contact SinoFrance for guidance to the insurer and confirmation of current terms.<\/p>\n<\/div>\n<p><a href=\"https:\/\/sinofrance.fr\/en\/contact\/\">Contact us<\/a><\/div>\n<\/section>\n<div class=\"video-intro\">\n<div class=\"eyebrow\">SinoFrance \u00b7 insurance in China<\/div>\n<h2>Understanding insurance in China<\/h2>\n<p class=\"muted\">Watch our conversation with Marc Burban as well.<\/p>\n<\/div>\n<div class=\"insurance-video\">\n<div class=\"video-block\">\n<div class=\"video-frame\"><button class=\"video-launch\" data-video=\"d2jDWLZEafU\" aria-label=\"Watch the video: S\u2019assurer en Chine \u2014 Avec Marc Burban\"><img src=\"https:\/\/sinofrance.fr\/wp-content\/uploads\/2025\/04\/background.jpg\" alt=\"S\u2019assurer en Chine \u2014 Avec Marc Burban\" loading=\"lazy\" decoding=\"async\"><span class=\"play-icon\" aria-hidden=\"true\">&#x25b6;<\/span><span class=\"video-title\">S\u2019assurer en Chine \u2014 Avec Marc Burban<\/span><\/button><\/div>\n<div class=\"video-links\"><a href=\"https:\/\/www.youtube.com\/watch?v=d2jDWLZEafU\" target=\"_blank\" rel=\"noopener noreferrer\">Open on YouTube &#x2197;<\/a><a href=\"https:\/\/www.youtube.com\/@SinoFrance\" target=\"_blank\" rel=\"noopener noreferrer\">Subscribe<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<section class=\"newsletter\" id=\"newsletter\">\n<div class=\"container newsletter-inner\">\n<div>\n<div class=\"eyebrow\">The SinoFrance letter<\/div>\n<h2>China, in<br \/>your inbox.<\/h2>\n<p class=\"description\">One in-depth article in French and a selection of relevant news to understand China, its economy and life on the ground.<\/p>\n<p class=\"schedule\">The 1st and 3rd Mondays of every month<\/p>\n<\/div>\n<div class=\"sf-subscribe\"><div class=\"tnp tnp-subscription \">\n<form method=\"post\" action=\"https:\/\/sinofrance.fr\/wp-admin\/admin-ajax.php?action=tnp&amp;na=s\">\n<input type=\"hidden\" name=\"nlang\" value=\"en\">\n<div class=\"tnp-field tnp-field-email\"><label for=\"tnp-1\">Votre adresse e-mail<\/label>\n<input class=\"tnp-email\" type=\"email\" name=\"ne\" id=\"tnp-1\" value=\"\" placeholder=\"\" required><\/div>\n<div class=\"tnp-field tnp-privacy-field\"><label><input type=\"checkbox\" name=\"ny\" required class=\"tnp-privacy\"> J\u2019accepte de recevoir la newsletter SinoFrance en fran\u00e7ais, les premier et troisi\u00e8me lundis du mois. 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You can unsubscribe at any time.<\/p><\/div><\/div>\n<\/section>\n<section class=\"support-section container\">\n<div class=\"support-copy\"><span class=\"support-heart\" aria-hidden=\"true\">\u2661<\/span><\/p>\n<div>\n<h2>Support my work<\/h2>\n<p>Your support helps me keep sharing information and perspectives.<\/p>\n<\/div>\n<\/div>\n<p><a class=\"btn btn-outline\" href=\"https:\/\/en.tipeee.com\/sinofrance\/\" target=\"_blank\" rel=\"noopener noreferrer\">Support me on Tipeee <span aria-hidden=\"true\" class=\"arrow\">&#x2197;<\/span><\/a><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Home\/Insurance SinoFrance Insurance Accident insurance \u00b7 China A clearer view of accident cover. Explore two accident-insurance options presented by SinoFrance in China. Compare key benefits and request confirmation for your circumstances. SinoFrance \u00b7 practical information Two plans. Clear benefits to compare. A practical overview, subject to the full policy terms. 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