If you plan to do some hiking, skiing or other adventurous sport - not a very likely prospect in China - you'll probably have to pay an extra premium; check carefully that any insurance policy you are considering will cover you in case of an accident, and includes a 24-hour emergency contact number . When choosing any policy, also establish the level of excess , the initial amount of any claim that you have to pay. In all cases of loss or theft of goods, you need to contact the local police to have a report made out so that your insurer can process the claim. For medical claims , you'll need to provide supporting bills, though more comprehensive policies will arrange for payment for treatment on the spot. Medical emergencies aside, very few insurers will pay out at the time of a major expense or loss; you will usually be reimbursed only after going home. Keep photocopies of everything you send to the insurer and note any time period within which you must lodge claims.