China Risk Assessment Country Guide

Working Abroad in China

With over 1.3 billion people, China is the world's most populous nation, with bustling city centers and roadways.  Crowded conditions in cities can often lead to political tension throughout the expansive country. 

Since 2012, there have been strong regional tensions between China and neighboring countries, according to the UK Foreign & Commonwealth Office (FCO). For instance, certain permits are required prior to entering the Tibetan Autonomous Region, which can also be closed to foreigners quickly in the event of any political instability. In addition, anti-Japanese demonstrations have occurred in several cities throughout China. During periods of turmoil and conflict, news reporting and access to text-messaging, the internet, and international telephone lines may be blocked through the government’s censorship practices.

International insurance solutions from Clements will protect you from political, economic, and business security-related risks while outside of your home country in China. 

  • Health
  • Safety & Security
  • Terrorism

On November 19, 2015, the CDC issued a level 1 watch for China due to the increase of reported cases of H7N9 avian flu with 665 cases and 229 deaths reported from March 2013 through May 9, 2015, mostly from mainland China. Since 2013, the Avian Flu (H7N9) remains a risk when traveling to China. The CDC advises travelers to avoid contact with poultry (including poultry markets and farms), birds, and their droppings. 

While medical care is adequate in most cities, overcrowding can be an issue in hospitals. Healthcare is expensive in China and medical evacuation can be quite costly. Due to high levels of pollution and poor air quality in major cities and industrialized areas in China, expats with bronchial, sinus or asthma conditions may have more difficulty breathing.

There was an outbreak of dengue with over 45,000 laboratory-confirmed and clinical cases from 20 cities in China. As there is no vaccine or medicine for preventive care of dengue, travelers are advised to cover and protect themselves from mosquito bites. China has also reported outbreaks of the avian flu, swine flu and other diseases. 

As a precaution, you should avoid all tap water and drink bottled or boiled water only.

Clements Worldwide offers Expat Health Insurance for expats and international organizations. This policy guarantees medical coverage, with up to USD 5 million in health care benefits. With flexible payment options and choice of deductible, coverage will help manage the costs of living in China.

If you need adequate medical care, Clements also provides Medical Evacuation and Repatriation insurance. This policy covers expenses to transport you to a capable medical facility in case a local medical center is not  able to provide adequate treatment in China.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in China.

Source: UK Foreign & Commonwealth Office, Centers for Disease Control and Prevention, World Health Organization, and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

Pickpocketing and robberies are common in China and expats are targeted for passports, laptops, cell phones, and handbags. Expats should cautious in major tourist places, street markets, major airports and international events and conferences.

From October to December 2014, there were tumultous pro-democracy protests that swept the streets of Hong Kong. After 11 intense weeks of protests, protestors packed away their tents and police dismantled the last remaining road occupation. There was the large protests since the 1989 Tiananmen Square demonstrations. Expats should be vigilant of these protests and avoid demonstrations as they could turn violent. 

Political and ethnic tensions with Tibet are on the rise and can lead to unrest and violent protest in Tibet. There have been a surge of self-immolations since 2011. In June 2013, there were 35 people killed in riots in Turban, Xinjiang. The security situation is fragile with rapidly deteriorating conditions. Although foreigners are usually not targeted, expats should be vigilant and avoid getting caught in unexpected demonstrations or outbreaks of violence. You should also never film or photograph any protests focused on Tibet, or take up calls for Tibetan independence.

Most visitors are not allowed to drive in China. Foreign nationals must obtain a valid residence permit and pass a driving test to obtain a Chinese driving license. In addition to having a Chinese driver’s license, expats must have valid insurance in order to be allowed to drive. Low driving standards coupled with poor road conditions lead to many accidents in China. It is customary that the larger vehicle in an accident accepts liability, and you may be held liable for medical costs in the event of an injury.

Clements offers Overseas Car Insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it is on the road, parked or transported abroad in China.

Mariners on China's territorial waters should also be wary of piracy. In 2009, there were attacks of piracy in the South China Sea. A Clements' Kidnap and Ransom policy ensures financial assistance following a kidnapping, such as independent investigations, negotiations, arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in China.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The threat of terrorism is moderate in China by groups opposed to the Chinese government. Indiscriminate attacks happen sporadically, including public places accompanied by expats.

In order to mitigate the financial impact of these threats, Clements provides War and Terrorism insurance. The policy offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Call us today at +1.202.872.0060 or 800.872.0067 or email to discuss your organization’s travel needs tailored to considerations involved while operating in China.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions