Health insurance in China is often flipped compared to how it works in the rest of the world, and definitely America. Instead of having a deductible, you have a benefit cap ($100k for the policy I got working for Microsoft). So the routine stuff winds up being very cheap to free, and the catastrophic stuff will bankrupt you. Well, not really, since Chinese hospitals will ask you to prepay your treatment, so bankruptcy isn’t an option.
This is how the USA was pre-ACA (but without the prepay requirement). The benefit caps were called lifetime maximums and were generally much higher dollar amounts. Still, they were low enough to bankrupt the average family if someone had a major catastrophe.
