Travel insurance is a must! STA travel is also able to provide you with this if your current provider cannot (http://www.statravel.com/Statravel/travelinsurance/ti_landing.aspx?menuid=5000)

In China, if an emergency occurs, you pay first, get reimbursed later. Ambulance fees and shot fees are all paid on a step-by-step basis meaning that you pay before you get the shot or ride. Of course, if you are unconscious emergency actions are taken but are minimal until proof of payment is established. Foreigners in China generally get great care because all foreigners are assumed to have money. Students should always carry the emergency card issued by Access Mandarin and should immediately let Access Mandarin know if there is an accident.