Chinese for Travel Insurance: Asking 'Does This Cover Medical Expenses?'
Learn to ask if a travel insurance policy covers medical expenses, understand key coverage terms, and discuss insurance in Mandarin Chinese.
By SofiaGetting around · Yapr Learn
When traveling in Chinese-speaking regions, understanding your travel insurance coverage is crucial. This lesson teaches you how to ask whether a policy covers medical expenses, how to inquire about specific coverage details, and how to discuss insurance terms in Mandarin. You will learn key phrases such as '这个保险包括医疗费用吗？' (Does this insurance cover medical expenses?) and '保险包括什么？' (What does the insurance cover?). By the end, you will be able to confidently communicate your insurance needs and understand responses.
By the end, you can…
- ask whether a travel insurance policy covers medical expenses.
- inquire about what a policy covers and understand basic coverage terms.
Listen once. Try it slowly. Then say it without looking.
Checking available voices…
这个保险包括医疗费用吗？
Does this insurance cover medical expenses?
Zhège bǎoxiǎn bāokuò yīliáo fèiyòng ma?
Use this to directly ask if medical costs are covered. '这个' means 'this', '保险' is 'insurance', '包括' means 'include/cover', '医疗费用' is 'medical expenses'. The sentence-final '吗' turns the statement into a yes/no question.
保险包括什么？
What does the insurance cover?
Bǎoxiǎn bāokuò shénme?
A general question to ask about coverage details. Use when you want a list of what is included.
医疗费用包括住院吗？
Do medical expenses include hospitalization?
Yīliáo fèiyòng bāokuò zhùyuàn ma?
Ask specifically if hospitalization is covered. '住院' means 'hospitalization'.
有没有紧急医疗运送？
Is there emergency medical evacuation?
Yǒu méiyǒu jǐnjí yīliáo yùnsòng?
Ask about emergency medical evacuation coverage. '有没有' is the common way to ask 'is there / do you have'. '紧急' means 'emergency', '医疗运送' is 'medical evacuation'.
我需要买旅游保险。
I need to buy travel insurance.
Wǒ xūyào mǎi lǚyóu bǎoxiǎn.
State that you need to purchase travel insurance. '需要' means 'need', '买' is 'buy', '旅游保险' is 'travel insurance'.
Pronunciation guides are approximate. Slow playback keeps the original pitch.
Make it make sense
Useful pattern
The pattern '包括……吗？' (bāokuò... ma?) is used to ask if something is included. For example, '这个保险包括医疗费用吗？' means 'Does this insurance cover medical expenses?' You can replace '医疗费用' with other items like '住院' (hospitalization), '药品' (medication), or '牙科' (dental). To ask what is included, use '包括什么？' (bāokuò shénme?). To answer, say '包括' (bāokuò) for 'includes' or '不包括' (bù bāokuò) for 'does not include'. For example, '包括住院，但不包括牙科' means 'It includes hospitalization, but not dental.' Note that '包括' is a verb and does not change form; negation is simply '不' before it.
When to use it
Use these phrases when purchasing travel insurance, reading policy documents, or speaking with insurance agents. For instance, if you are at a travel agency, you can ask, '这个保险包括医疗费用吗？' If the agent responds with details, you might follow up with '有没有紧急医疗运送？' to check evacuation coverage. When discussing with a doctor or hospital, you can say '我有旅游保险' (I have travel insurance) and then ask '这个保险包括住院吗？' to confirm coverage. Always clarify before receiving treatment to avoid unexpected costs.
Listen to each line, then take one part and reply out loud.
你好，我想买旅游保险。这个保险包括医疗费用吗？
Hello, I want to buy travel insurance. Does this insurance cover medical expenses?Nǐ hǎo, wǒ xiǎng mǎi lǚyóu bǎoxiǎn. Zhège bǎoxiǎn bāokuò yīliáo fèiyòng ma?是的，包括医疗费用，也包括住院。但是不包括牙科。
Yes, it covers medical expenses, and it also covers hospitalization. But it does not cover dental.Shì de, bāokuò yīliáo fèiyòng, yě bāokuò zhùyuàn. Dànshì bù bāokuò yákē.有没有紧急医疗运送？
Is there emergency medical evacuation?Yǒu méiyǒu jǐnjí yīliáo yùnsòng?有的，紧急医疗运送也包括。你需要买多久的保险？
Yes, emergency medical evacuation is also included. How long do you need the insurance for?Yǒu de, jǐnjí yīliáo yùnsòng yě bāokuò. Nǐ xūyào mǎi duōjiǔ de bǎoxiǎn?A little context goes a long way
In Chinese-speaking regions, insurance policies vary widely, so it is common and acceptable to ask detailed questions about coverage. Politeness helps; you can preface questions with '请问' (qǐngwèn, 'may I ask'). When discussing coverage, be clear and direct, since ambiguity can lead to misunderstandings. It is also advisable to ask for written details in Chinese to refer to later.
One thing to watch for
Using '包含' instead of '包括' when asking about coverage.
Try this instead: Both '包含' (bāohán) and '包括' (bāokuò) mean 'include', and both are understandable in this context. '包括' is the more common choice when listing what a policy covers, so '这个保险包括医疗费用吗？' is the safer default. '包含' is not wrong, but it often sounds more like 'contain' and is less typical for insurance coverage questions.
Your turn
Try answering out loud before checking a possible answer.
1How do you ask 'Does this insurance cover hospitalization?' in Chinese?
Show a sample answer
这个保险包括住院吗？
This uses the pattern '包括……吗？' with '住院' (hospitalization). Alternative: '这个保险包括住院费用吗？' adds '费用' (expenses) but is also correct.
2What does '不包括牙科' mean?
Show a sample answer
It does not include dental.
'不包括' means 'does not include', and '牙科' means 'dental'. So the phrase means dental is not covered.
3How would you say 'I need emergency medical evacuation' in Chinese?
Show a sample answer
我需要紧急医疗运送。
This uses '我需要' (I need) plus '紧急医疗运送' (emergency medical evacuation). Alternatively, you could ask '有没有紧急医疗运送？' to inquire if it's available.
Always confirm coverage details in Chinese before relying on travel insurance. Use '包括……吗？' to ask about specific coverage and '包括什么？' for a general list. Clarify terms like '住院' and '紧急医疗运送' to avoid surprises.
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