The question of health care often comes from US citizens, simply because the health system in the US is expensive and of great concern.
The health Insurance that MEF teachers have in China is for emergencies or if you get sick and need to see a doctor. (not for current prescriptions or current health issues)
I will attach a more detailed description that you can open and look through.
Up to this point there have been a few teachers that needed to go visit a doctor, one teacher had minor surgery, a few teachers have got vaccinations in China (at a fraction of the cost), two teachers had ebike accidents (one couldn’t walk for a couple days), and a few teachers have easily found the medication that they needed and felt the price was much cheaper in China to get the same drugs.
There has yet to be any complaints about the insurance coverage or someone needed to get treatment but not be able to afford it, etc.
Each area will have slightly different policies and insurance companies will update policies, etc.
The following will give you a more thorough general idea though: