Try looking into SOS , they cover a TON of coun tries. They have a website in many languages as well.

You mixed cheap with good insurance big mistake. MSH is what I have and I'm 100% covered in all countries except Canada and America. They pay everything including my prescriptions and I have access to the best hospitals in China, Hong Kong, Japan, South Korea and they will even pay for the flight if I have to exit to America ofr a serious illness. They are a little expensive, about 4K rmb per month but it covers all my direct family, they have other options too, so you can do co pays and what not

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