Lucky are those who did not have to use a health insurance yet. But what will happen when you are run over by a bus, or happen to have any other serious health issue? I’ve been living abroad for about 20 years and more than five of my friends had to be shipped out of their country with acute and life-threathening conditions. It can happen. If it does happen, you want to be covered by a good insurance that takes care of repatriation and healthcare after your return, as well as of emergency health care or regular health care if available here. I have no idea about Chinese insurances but if they don’t cover that, it’s no good. Any proper travel insurance will cover basic emergency care.