China travel plans starting at just ₹306*
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Flight Cancellation Covered*
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Baggage Loss Covered*
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Passport Loss Covered*
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 you can file on your phone via the IndusInd Self-i 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.
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.
$500,000 Coverage*
High Medical Coverage
24/7 Customer Support*
Get help anywhere in China
99.57% Claims Settled*
Speedy claim processes
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 Xi’an’s bustling Muslim Quarter 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 Self‑i app.
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.
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.
Disclaimer: Please refer to the official policy documents for detailed information linked here.
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.
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 documents for detailed inclusions and exclusions.
Not sure which plan to buy for your trip to China?
Talk to our Expert Advisors
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.
Enter Your Details
Enter your travel dates, DOB and choose China as your destination.
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.
Medical Claim
Medical Claim
Medical 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.
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)r
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 |
| |
Website | ||
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 |
Govt Supported
Govt Supported
Govt Supported
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
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, 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.
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.
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 Self-i app, you can instantly file claims—even in regions with limited support. And since your digital policy is stored securely on your phone, it’s always accessible when you need help navigating unfamiliar locations in China.
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