Travel Insurance for China

Ancient, mysterious, and breathtakingly beautiful, China is the world’s third-largest country. From time-honoured heritage sites and delicate water towns to grand imperial palaces, there’s something for everyone. But while exploring ancient wonders and ultra-modern cities, unexpected issues can arise.

For example, if your bags get delayed at the Beijing Daxing airport, travel insurance steps in to cover costs for essentials, such as clothes and toiletries, until your luggage arrives. Or suppose you misplace your passport while navigating Beijing’s subway system, you’re covered here too, as we help guide you on the next steps to get a new passport.

With IndusInd travel insurance for China, we offer 24/7 assistance anywhere in China, and a quick claims process that you can file on your phone via the IndusInd Insurance app. We also offer a 100% refund* on any premiums paid in case of visa rejection.

Choose us to be your travel partner and explore China without the stress. We turn your travel emergencies into minor detours, not missed adventures.

Why to - H2

Why 8 Crore+ Policyholders Choose Us?

IndusInd Travel Insurance (formerly known as Reliance Travel Insurance) is your one-stop solution for China travel insurance. Our plans are tailored to offer comprehensive coverage for trip cancellation, missed connections, baggage loss and delay, loss of passport, emergency hospitalisation and more.

Location - Travel Insurance

$500,000 Coverage

High Medical Coverage

24/7 Customer Support

Get help anywhere in China

AI-Powered App

Quick processes and 24/7 support

No Medical Check-ups

Just apply, pay and download!

Benefits of Buying China Travel Insurance

Medical Coverage

Exploring China means hopping between different iconic places and regions, such as the Great Wall in Beijing or the streets of Guangzhou. The sudden weather shifts from chilly to humid or long travel days could trigger allergies, flu or altitude sickness. With medical coverage of up to USD 500,000 and USD 500 for emergency dental treatment, we ensure you're financially protected if you need to visit a hospital during your trip.

Personal Liability Insurance

Navigating through the Xi’an’s bustling traffic on a rented electric scooter? If you accidentally clip a pedestrian or scratch a vendor’s stall, local liability claims can be expensive. Our personal liability cover of up to USD 250,000 ensures you’re protected against compensation demands in China’s litigious environment.

Flight Delays & Connections

A thick smog advisory in Beijing or a typhoon warning in Guangzhou can delay flights, causing you to miss your connection to Shanghai for a Bund river cruise. We provide up to USD 60 per day for delays over 12 hours, to help you find emergency accommodation and meals. We also cover missed connecting flights up to USD 500 if you had any domestic or outbound flights from China that you missed due to these delays.

Baggage Loss & Delay

Arriving in Shanghai to explore the Yu Garden, only to discover your luggage missed the flight from Delhi? We cover delays over 12 hours with up to USD 100 for essentials and reimburse up to USD 1,500 if the airlines declare that your checked-in bags are lost. You can use this coverage to buy the necessary toiletries and clothes until your bags arrive (if delayed) or replace these essentials from the lost bags.

Passport Loss

Imagine misplacing your passport while bargaining at Beijing’s Panjiayuan Antique Market or during a crowded morning at Shanghai’s Yufo Temple. Getting a new passport while overseas can be costly. That's why we cover up to USD 300 for embassy fees, courier charges and reissuing the passport. We help you get back on the road and avoid delays due to missing documents.

Emergency Cash Assistance

If your wallet is stolen while photographing the Terracotta Army or left behind during a late-night hotpot dinner in Chongqing, don’t worry – you’re covered for this too! We reimburse up to USD 300 in emergency cash to cover transport, meals or lodging until you’re back on your feet. You can receive any required assistance during this time through our 24/7 helpline or the IndusInd Insurance app.

Key Features

Key Features of IndusInd China Insurance

Individual Travel Plan

China has a higher cost of living and healthcare than India. By covering unplanned expenses like emergency medical bills, flight delays, personal liability, etc, travel insurance in China safeguards your travel budget and enhances your overall travel experience.

Key Features-Individual Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$500,000
Personal liability	$100,000	$200,000
Personal accident	$20,000	$30,000
Total loss of baggage	$1,000	$1,500
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 6 Days)	$60/day (maximum cap of 6 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹3,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Family Travel Plan

Our family travel insurance policy covers all members under one policy. It offers shared coverage of up to USD 250,000 against medical emergencies, trip cancellations, baggage loss and delays, personal accidents and liabilities.

Key Features-Family Travel Plan

Features	Popular Coverage (in USD)	Maximum Coverage (in USD)
Medical expenses	$100,000	$250,000
Personal liability	$100,000	$200,000
Personal accident	$15,000	$25,000
Total loss of baggage	$500	$1000
Loss of passport	$300	$300
Delayed checked-in baggage	$100	$100
Trip delays	$25/day (maximum cap of 5 Days)	$50/day (maximum cap of 7 Days)
Dental treatment	$500	$500
Home burglary insurance	₹1,00,000	₹1,00,000
Compassionate visit	Return fare for a family member/doctor	Return fare for a family member/doctor

Disclaimer: Please refer to the official policy documents for detailed information linked here.

Inlcusion Exclusion

IndusInd China Insurance: Inclusions & Exclusions

Location - Travel Insurance

What is covered?

Emergency Care: Covers medical and dental treatment resulting directly from accidental injuries sustained during your trip.

Pre-existing Diseases: If a pre-existing condition becomes life-threatening while travelling, emergency treatment costs will be covered.

Third-Party Liability: If you accidentally injure someone or damage their property, we’ll cover the resulting medical or repair expenses.

Travel and Baggage Delay: Covers delays due to medical emergencies, bad weather, job loss or security issues. Baggage delays exceeding 12 hours are also covered.

Lost Passport: If your passport is lost or stolen during your trip, the plan helps cover the cost of getting you a replacement.

Location - Travel Insurance

What is not Covered?

Planned Treatment: Travelling to any Asian country solely for medical treatment, surgery or cosmetic procedures is not covered under the policy.

Undeclared Pre-existing Diseases: Medical emergencies related to pre-existing illnesses that were not disclosed before purchasing the plan will not be covered.

Pregnancy-Related Exclusion: If you are over 30 weeks pregnant, any expenses related to childbirth or associated complications during the trip are excluded.

Legal Violations: Costs arising from legal issues, including situations that result in your passport being seized by authorities, are not covered.

Negligence: Claims won’t be accepted for missed flights caused by personal delays or failure to carry necessary travel documents.

Disclaimer: Please refer to the official policy document for detailed inclusions and exclusions.

Not sure which plan to buy for your trip to China?

Talk to our Expert Advisors

Call Us

How to Buy?

How to Buy IndusInd China Travel Insurance?

Purchasing travel insurance for China online is simple and quick. No need to wait for several days to receive your travel insurance plan. We offer quick issuance to help you buy a desired policy in just a couple of minutes on our website.

Location Travel Insurance

Select Trip Type

Scroll up to the form on top and select your travel purpose.

Enter Your Details

Enter your travel dates, DOB and choose China as your destination.

Compare & Select

For an instant quote pick your SI in calculator below and click "Compare Plans".

Complete KYC

Enter your phone number and complete the online KYC process.

Pay & Get Policy

Pay online and get your China travel insurance plan instantly via email.

Homepage Curated Plans Client Extension

How to Claim?

How to Claim IndusInd China Travel Insurance ?

Location Travel Insurance

Cashless

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network garages.

Steps to file a cashless claim

For medical claims, let us know via our helpline or email using your policy number.

Check if the hospital accepts cashless claims & submit the claim form.

IndusInd Care (previously Reliance Care) will review the claim and your documents.

Upon approval, we place a Guarantee of Pay (GoP) to the hospital.

If the hospital does not agree to the GoP, you can always file a reimbursement claim.

Location Travel Insurance

Reimbursement

Get all-around protection for your car with us! We also settle claims cashlessly when you opt for repairs at any of our 11,000+ network
garages.

Steps to file a Reimbursement claim

Get in touch via our helpline or email for luggage delays, trip cancellations, etc.

Complete the claim form and gather all other necessary documents.

You might need to submit a passport copy, flight tickets, emails from the airline or FIR.

IndusInd Care (previously Reliance Care) will review the claim to decide its approval.

After approval, the compensation or benefit amount will be disbursed to you.

Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.

Types of Visas in China

Indian visitors must get a suitable visa based on their travel purpose to enter China. The visa application process can be completed through the Chinese Visa Application Service Centre website by selecting the type of visa required for your purpose of travel.

Tourist Visa (L)

It is granted to individuals who want to visit China for the purpose of tourism. It typically allows stays up to 180 days, depending on the consular decision.

Commercial Trade Visa (M)

This is issued for business, trade or commercial activities such as attending trade fairs or business meetings. It also includes participation in competitions in China.

Work Visa (Z)

It is available for individuals who want to work in China, including professionals or performers. It requires a valid Work Permit issued by Chinese authorities.

Student Visa (X1/X2)

The X1 visa covers long‑term study (over 180 days) at Chinese institutions, while the X2 visa is for short‑term courses or study tours not exceeding 180 days.

Family Reunion (Q1/Q2)

The Q1 visa is for visiting family members of Chinese citizens or permanent residents planning to stay in China for more than 180 days. The Q2 visa is for relatives visiting for less than 180 days.

Transit Visa (G)

The G visa allows travellers to transit through China while going to other destinations. It applies when the traveller does not intend to stay long in China.

Permanent Residence (D)

The D visa is issued to foreign nationals who want permanent residence in China. It grants long‑term residency and is for those eligible under China’s residency policies.

Embassy Details: India and China

Parameters	Embassy of China in India	Embassy of India in China
Location	New Delhi, India	Beijing, China
Address	50-D, Shantipath, Chanakyapuri, New Delhi, 110021	Embassy of India, Beijing
Contact Number	011-2611-2345	+86-10-8531 2500/2501/2502/2503
Email ID	chinaemb_in@mfa.gov.cn	cons.beijing@mea.gov.in & cons1.beijing@mea.gov.in
Website	https://in.chineseembassy.org	https://eoibeijing.gov.in/
Operating Days	Monday to Friday	Monday to Friday
Operating Hours	9 AM to 12:30 PM, 3 PM to 5:30 PM	8:30 AM to 5:30 PM

Best Time to Visit China

Smart China has a rich culture and history and offers a variety of experiences for travellers. The best time to visit China is during the Autumn (September to October) and Spring (March to May) months.

March to May

What to Expect: Blooming season; comfortable weather with mild temperatures, ranging between 10 degrees to 23 degrees.

Perfect for: Outdoor sightseeing, cultural festivals like Qingming, exploring Beijing’s hutongs.

Tourist Flow: Moderate to High

Flights & Hotel Rates: Mid-range

Return Airfare from India (Approx): ₹60,000–₹85,000

Keep in Mind: Avoid Qingming (early April) and Golden Week (May 1–4) when domestic travel spikes.

September to October

What to Expect: Cool, dry weather with autumn hues, bright days and occasional rains.

Perfect for: Leaf-peeping in Beijing, hiking at Zhangjiajie, and photography in the rice terraces of Yunnan.

Tourist Flow: Moderate to heavy (especially early October)

Flights & Hotel Rates: Moderate to High

Return Airfare from India (Approx): ₹65,000–₹90,000

Keep in Mind: The first week of October coincides with National Day Golden Week - expect crowded sites and higher prices.

June to August

What to Expect: Hot and humid weather conditions across the country, with heavy rainfall in southern regions like Guangzhou and Chengdu.

Perfect for: Visiting higher altitude spots like Tibet or Yunnan, enjoying festivals and museum visits.

Tourist Flow: High

Flights & Hotel Rates: High

Return Airfare from India (Approx): ₹66,000 to ₹1,29,000

Keep in Mind: Avoid the southeast and major festival periods during high summer, as it can get very hot and humid.

Interesting Facts About China

Chinese New Year: China celebrates the new year for 15 days, with family reunions and lantern festivals. This is a cultural experience similar in spirit to Diwali.

Second Most Populous: China is the second most populous country, with over 1.4 billion people (as of 2025), making up 17% of the world’s population.

Skyscrapers in Hong Kong: Hong Kong alone has more skyscrapers than any other city across the globe, leaving Indian travellers awestruck.

The Great Wall: The Great Wall was constructed using mortar made from sticky rice, an ingenious technology that helped bind ancient bricks together stronger than many modern mixtures.

Oldest Cities in the World: Beijing is one of the oldest continuously inhabited cities in the world, with a history stretching over 3,000 years.

Second Most UNESCO Sites: China hosts 55 UNESCO World Heritage sites, second only to Italy, including the Forbidden City, the Terracotta Army and the Great Wall.

Safe Country: China is one of the safest countries to visit, with minimal gun crime, low levels of racial tension and a reputation for cleanliness and orderliness.

Popular Language: Over 1.3 billion people speak Mandarin, making it the most spoken language globally. So, learning a few basic Mandarin phrases can delight locals and help even in remote areas.

Clean and Hygienic: Toilet paper was invented in China in the 1300s, originally reserved for emperors only. This shows centuries of innovation in comfort and hygiene.

Oldest Country: People have lived in present-day China for at least 1.7 million years, making it one of the oldest cradles of human civilisation ever discovered.

Essential Apps for Your China Trip

Translation

Google Translate works well for everyday phrases, menus, and street signs, especially with offline pre-downloaded Chinese packs. For more accurate translations or deeper language help, Pleco and Papago are favourites among travellers and expats for their powerful dictionary and live OCR features.

Accommodation & Hotel Booking

China’s largest booking platform, Trip.com (previously CTrip), is a trusted website for hotels, high-speed train tickets and even attraction bookings — all in English. Agoda, Booking.com and TripAdvisor are useful for Indian travellers preferring international listings with INR payments, especially in cities like Beijing and Shanghai.

Navigation

Since Google Maps doesn’t work reliably in China, Baidu Maps and Amap offer detailed, accurate routes for driving, walking and public transit. Both apps now support English searches and are extremely helpful for navigating metro systems and tourist spots.

Transport

China’s equivalent of Uber - DiDi and Rentalcars.com are widely used for taxi rides in most cities. You can also easily access DiDi ride booking services via Alipay or WeChat. For metro travel and other public transport, MetroMan and Omio are user-friendly apps with offline subway maps across all major cities.

Sightseeing & Events

Book entry tickets using Klook to the Great Wall, panda parks, local tours, and city passes, with same-day availability. China Train Booking and Railway 12306 are useful for booking high-speed trains with live seat availability and English language support.

Food Delivery

China’s Yelp, Dianping, helps you discover popular local food spots, trending restaurants, and even menu photos with reviews. The go-to app for food delivery is Meituan, best for even small eateries, and it’s often integrated directly into Alipay or WeChat.

Key Takeaways

According to the Ministry of Culture and Tourism, around 132 million tourists visited China in 2024, marking China as a prime travel destination. From the Great Wall and the Terracotta Army to scenic spots like Jiuzhaigou and dynamic cities like Beijing, Shanghai and Chengdu, there’s something to explore at every turn.

But even a well-planned trip to China can go off track. For example, say your luggage was delayed at the Beijing Daxing Airport, or you accidentally broke one of the display items while browsing through an antique shop in Hong Kong.

This is where IndusInd Travel Insurance (formerly Reliance Travel Insurance) comes in to ensure that you are covered for these events. We offer daily payouts for luggage delays while you wait for your bags to arrive, and offer personal liability coverage for that antique shop accident. We cover a whole lot more as well, to ensure you get comprehensive coverage for your trip to China.

With the IndusInd Insurance app, you can instantly file claims even in regions with limited support. Since your digital policy is stored securely on your phone, it’s always accessible when you need help navigating unfamiliar locations in China.

Author - Location Travel

IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

China travel insurance plans starting at just ₹306*

Insure Your Trip to China Today!

From exploring the Great Wall and the Forbidden City in Beijing to experiencing the vibrant skyline of Shanghai and the cultural wonders of Xi'an, stay protected with IndusInd China travel insurance. We help ensure your China journey remains safe, seamless, and worry-free!

View Plans

Voices of Trust

Stories shared by our happy customers!

Total Average Rating

Based on ratings

View All

Asset Publisher

4.7 ★ ★ ★ ★ ★ (45)

I recently purchased my Travel insurance and found the experience very smooth. It met my requirements well and felt tailored to my needs.

Yogya Kolliboina

Rangareddy

4.5

Seamless digital experience

I had a positive experience while applying for Travel insurance from Reliance Insurance Company (now IndusInd Insurance Company) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Saroja Kolliboina

Rangareddy

From start to finish, the process of getting my Travel insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Padmanabhan

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance felt effortless and user-friendly. It aligns well with what I needed from an insurance policy.

Alpabharat Gala

Mumbai

Quick policy issuance

The journey of purchasing Travel insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage. I found the entire process trustworthy and efficient.

I was going on a simple holiday and wanted basic cover without unnecessary additions. I only paid for my exact travel dates, and the coverage level felt right for where I was travelling.

For my Europe trip, I mainly wanted medical cover. I could see the hospital and emergency details clearly, so I did not have to overthink while choosing the plan.

Caroline Ghosh

MUMBAI

Easy application

The process of applying for my travel insurance policy was simple and quick to complete.

Homepage alternate CX

Relevant Links for Travel Insurance

Travel Insurance

Annual Multi-Trip Insurance

Student Travel Insurance

Senior Citizen Travel Insurance

Travel Insurance for Top Destinations

USA Travel Insurance

Dubai Travel Insurance

Canada Travel Insurance

Schengen Travel Insurance

Singapore Travel Insurance

Vietnam Travel Insurance

Travel Insurance - Disclaimer

AI Content Summarizer

Asset Publisher

Frequently Asked Questions (FAQs)

Do Indians need travel insurance while visiting China?

No. It is not mandatory for Indian residents travelling to China to have travel insurance, but we still recommend getting one. This is because even a quick visit to the clinic can be expensive. Hence, we recommend getting travel insurance so it can help pay for your medical bills in case you ever need to visit the hospital for an injury or illness during your trip to China.

What is the validity of my China travel insurance?

The validity of your China travel insurance depends on the type of policy you have purchased. If it is a single-trip policy, it stays valid up to your specified return date in India. However, an annual multi-trip insurance stays valid for a year.

Does travel insurance for China cover planned hospitalisation?

No. Travel insurance for China does not cover any kind of planned treatment. It will only cover emergency medical costs during your trip. E.g., you fall sick during your trip and need to visit the hospital.

Is China safe to travel to from India?

China is generally safe to visit from India. However, travel safety in case of overseas travel is subject to various factors such as geo-political conditions, immigration regulations, current health scenarios and so on. Make sure to look into all these factors to ensure an exciting trip to China.

What should I pack for your China trip?

Here are a couple of important things to pack/keep on hand when travelling to China – Weather-appropriate clothing, such as winter wear, if you are going between November to March. Comfortable footwear and modest outfits for religious places. China travel insurance, travel itinerary, passport and visa. Keep both hard and soft copies with you. Basic first-aid kit with bandages, antiseptic cream and a few other essentials, and any prescription medicines. Check what medication you’re allowed to carry into China. For power banks, note that the made-in-China power banks need to have a CCC (China Compulsory Certification) mark to pass airport security. Foreign-made power banks (without the CCC mark) need to meet CE or FCC standards. China mainly uses Type A, Type C, and Type I plugs. You’ll also need power converters since standard voltage in China and Hong Kong is 220V/50 Hz, while it’s 110 - 120V at 60 Hz in Taiwan. You will also need to carry enough cash (make sure to exchange your currency at the airport). Note that China uses 3 types of currencies - the Chinese Yuan (CNY), used in mainland China; the New Taiwan Dollar (TWD), used in Taiwan; and the Hong Kong Dollar (HKD), used in Hong Kong. Check for the currency accepted in the area you’ll be visiting when planning your trip.

How much does travel insurance for China cost?

Our plans for China start at just 306*. However, the premium prices depend on multiple factors when calculating the cost of travel insurance for your trip to China. Some of these are as follows: Policy duration: Depends on the length of your stay. Sorter stays result in lower costs compared to longer stays. Coverage: Higher sum insured plans mean higher premiums, but they also provide more coverage. So it’s best to strike a balance between coverage and affordability. Type of plan: Single-trip insurance is more cost-effective than an annual multi-trip policy. However, the latter is affordable for frequent visits to China, as you don’t have to purchase a travel policy each time you visit.

Can I extend my China travel insurance?

Yes. You can easily extend your China travel insurance if your trip is extended for any reason. To do this, you need to submit a duly filled Extension Form along with a Good Health Declaration Form.

What is the maximum claim limit of IndusInd China travel insurance plans?

With our travel insurance plans, you can claim up to USD 500,000* for medical emergencies, including evacuation and transportation. Get in touch with our team for more information.