Can foreign tourists use IRCTC?
Yes, foreigners living in China can purchase commercial health insurance. There are no blanket restrictions preventing expats from buying these products, though it is common for insurers to require that you have resided in China for at least 180 days before being eligible for certain plans. While you have access to a variety of commercial options, it is worth noting that some specific insurance products or joint-venture offerings may have their own internal eligibility rules. Most expats rely on private commercial health insurance because they generally do not have access to the national public healthcare schemes in the same way as Chinese citizens. It is advisable to consult with a local insurance broker or check with major international providers to find a plan that meets your specific residency and coverage needs.
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