Japan

International Health Insurance in Japan

Health insurance in Japan is an essential part of life in this fast-paced Asian nation. Protect your medical future with comprehensive cover for your life in the Land of the Rising Sun.

Japan is an exhilarating, engaging experience. High salaries, good quality of life and one of the world’s longest life expectancies draw expats to this captivating nation.

Yet, new arrivals won’t qualify for the national healthcare system for their first year of residency, so it’s essential that you protect your health and wellbeing with international health insurance when you first arrive.

And, if you’ve been here awhile, private medical insurance in Japan can give you greater and deeper access to a range of treatments not offered through the publicly accessible health service.

How does the healthcare system work in Japan?

Japan has a universal healthcare system covering all citizens. However, the level of access depends on a range of factors, like your citizenship status, age and more.

Japan also requires all residents, expats included, to have health insurance coverage. Not having cover is likely to see you pay full cost for any treatment required.

Many Japanese residents receive cover through their employer, though the government operates a national system for those not in or unable to work.

Expats can apply for the national system after they’ve been in the country for a year. Before that date, you’ll need international health insurance to protect your health while you stay in Japan.

Japan has a smaller pool of practitioners and specialists than some other leading economies and not all hospitals offer a full range of treatments. You may be expected to travel if you require specialist care.

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Pros and cons of using Japan's healthcare system


Pros

  • High standards of care mean you can get good quality treatment across the board.
  • A not-for-profit system means treatments are charged at the base cost of time and equipment.
  • Japan has a strong record for cancer care, organ transplants and childcare.


Cons

  • Expats won’t qualify for the national healthcare system until you’ve lived in Japan for one year.
  • Insurance is essential, either through your employer, the national system or private healthcare. Otherwise, you’ll be expected to cover the full cost of your treatment.
  • There is no family doctor or GP system in Japan. Care is administered by specialist doctors at specialist hospitals. You may need to travel for specific care needs.

What’s the difference between public and private care in Japan?

Public Private
Works like a private healthcare system whereby your insurance is covered through your employer or the state. A requirement for expats who’ve lived in Japan less than a year, or do not qualify for employer or state-run systems.
Does not cover some private healthcare offerings, like orthopaedics and cosmetic procedures.  

 

How can international health insurance help you in Japan?

International health insurance in Japan can provide financial and medical security when you first arrive in the nation. And, once you qualify for national healthcare, private coverage can fill in the gaps and give you a wider pool of treatments to choose from.

There’s much to love about Japan: engaging cities, stunning natural scenery, low crime and high salaries.

The nation has a reputable medical service too. Though, unlike some other economically developed countries, Japan does not operate a family doctor system. You are more likely to see a specialist based upon your needs from the off.

Expat health insurance in Japan can fill in where the national system doesn’t cover – orthopaedics, cosmetics and more. Plus, comprehensive cover can help cover treatment costs and downtime if you’re left out of work because of illness.

What’s it like to move abroad?

Choosing your international health insurance

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Cigna Global Health Options polissen

Silver

Wereldwijde dekking of wereldwijd dekking exclusief de VS

$ 1.000.000

Jaarlijkse uitkeringslimiet

Overzicht

De belangrijkste voordelen van het Silver-plan zijn dekking voor internationale ziekenhuisopnames en dagbehandelingen, inclusief ziekenhuisverblijven en behandelingen.

Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 1.000.000
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Dekking voor zorg voor pasgeborenen

    Gold

    Wereldwijde dekking of wereldwijd dekking exclusief de VS

    $ 2.000.000

    Jaarlijkse uitkeringslimiet

    Overzicht

    Uitgebreide dekking, met hogere jaarlijkse limieten en hogere vergoedingen inclusief klinische kraamzorg.

    Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 2.000.000
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Klinische kraamzorg

    Platinum

    Wereldwijde dekking of wereldwijd dekking exclusief de VS

    Volledig vergoed

    Jaarlijkse uitkeringslimiet

    Overzicht

    Onze hoogste dekking biedt een onbeperkte totale jaarlijkse limiet, waarbij de meeste zaken volledig worden vergoed.

    Beschikbare aanvullende modules:
  • Ambulante patiënt
  • Evacuation and Crisis Assistance Plus™
  • Gezondheid en welzijn
  • Oogheelkundig en tandheelkundig
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: Volledig vergoed
    • Klinische- en dagbehandelingen
    • Eenpersoonskamer
    • Volledige kankerzorg
    • Klinische kraamzorg
    • Geestelijke en gedragsmatige gezondheidszorg volledig betaald

    Cigna Close Care℠ polis

    Close Care

    Verblijfsland + land van nationaliteit

    $ 500.000

    Jaarlijkse uitkeringslimiet

    Overzicht

    Een essentiële gezondheidspolis aangepast voor personen die dekking nodig hebben in hun eigen land en hun verblijfsland.

    Beschikbare aanvullende modules:
  • Poliklinische behandelingen en welzijnszorg
  • Tandheelkundige zorg en behandeling
  • Dekkingsoverzicht kern ziekenhuisopname:

    • Jaarlijkse uitkeringslimiet: $ 500.000
    • Aandoeningslimiet: $ 250.000
    • Klinische- en dagbehandelingen
    • Tweepersoonskamer
    • Volledige kankerzorg

    Why choose Cigna Healthcare for health insurance in Japan?

    • Get a personalised quote in just two minutes and signup online in less than 10.
    • Access a global network of 1,65 million hospitals and medical professionals, giving you access to the best care wherever you are.
    • Cover your medical needs for your first year in Japan while you await access to the national system.
    • Priority access to Cigna Healthcare linked doctors and nurses for quick and quality service.

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    Veelgestelde vragen

    The price of health insurance depends on your level of cover and provider. The national system can account for up to 90% of total medical costs. You may also have private health insurance or insurance through your employer.

    You can be paid out in the currency of your choice, whether that’s Japanese Yen (JPY), US Dollars (USD) or another currency.

    Japan has an internationally celebrated healthcare system offering some of the best medical treatments in the world. The nation’s system tends to be focused around using specialist medical practitioners for required treatment. So, you may be expected to travel for particular care.