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Bupa China (with Alltrust)

保柏中国

78.8Score

★★★★☆4.0

Customer satisfaction · 200K members

S&P: A (Bupa Parent)(2025)Moody's: A2 (Bupa Parent)(2025)

Bupa China operates through a partnership with Alltrust Insurance (AIC), focusing on the premium and expat health insurance segment. Known for the highest annual limits on dental care, worldwide coverage options, and direct billing at major international hospitals in China.

Overall Score

78.8/100

Founded

2010

Headquarters

Shanghai

Type

private

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Key Metrics

Partner

Alltrust Insurance (AIC)

Target Market

Premium / expat segment

Dental Coverage

Highest annual limits

Global Coverage

Worldwide (excl. US option)

Editorial Ratings

S&P: A (Bupa Parent)(2025)

Rating: A (Bupa parent) (max: AAA)

75S&P

Moody's: A2 (Bupa Parent)(2025)

Rating: A2 (Bupa parent) (max: Aaa)

82.5Moody's

Coverage Highlights

✓Highest annual limits on dental care among expat plans
✓Worldwide coverage (excluding US option available)
✓Direct billing at major international hospitals
✓Strong English-language support for expats
✓Global Bupa healthcare heritage and expertise

Pros

✓Global brand with strong healthcare heritage
✓Excellent dental coverage
✓Good English-language support
✓Direct billing at international hospitals

Cons

✗Very niche market — expats and premium segment only
✗Expensive premiums
✗Limited coverage outside major cities
✗Partnership model can create complexity

Frequently Asked Questions

Who is Bupa's partner in China?

Bupa operates in China through a partnership with Alltrust Insurance (AIC), which handles local insurance operations and regulatory compliance.

Is Bupa China suitable for expats?

Yes. Bupa China specifically targets the expat and premium segment, offering English-language support, direct billing at international hospitals, and worldwide coverage options.

What makes Bupa China's dental coverage special?

Bupa China offers the highest annual limits on dental care among expat health insurance plans in China, covering preventive, restorative, and major dental work.

Quick Summary

InsurerBupa China (with Alltrust)

Country🇨🇳 China

Overall Score78.8/100

Satisfaction4.0/5

Members200K

Typeprivate

Founded2010

Other Insurers in China

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PICC (People's Insurance Company of China)

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China Life Insurance

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China Pacific Insurance (CPIC)

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