Scenario Matrix
| Scenario | China-Specific Policy | Standard Travel Insurance | Credit Card Protection | Self-Insure | |---|---|---|---|---| | 10-day leisure trip | ✅ Best | ⚠️ Check exclusions | ⚠️ Check if valid in China | ⚠️ Risky | | Pre-existing conditions | ✅ Best | ⚠️ Check carefully | ❌ Usually excluded | ❌ Risky | | Adventure activities (hiking) | ✅ Best | ⚠️ May exclude | ❌ Excluded | ❌ Risky | | Medical emergency in China | ✅ Direct billing | ⚠️ Reimbursement only | ⚠️ Reimbursement | ❌ You pay all | | Evacuation to home country | ✅ Covered | ⚠️ Often excluded | ❌ Excluded | ❌ Costly | | Trip cancellation (illness) | ✅ Covered | ✅ Covered | ⚠️ Limited | ❌ Not covered | | Lost baggage | ✅ Covered | ✅ Covered | ✅ Covered | ❌ Not covered | | Business traveler (company covers) | ⚠️ Redundant | ⚠️ Redundant | ⚠️ Redundant | ✅ OK |