Health Insurance

Japan’s national health insurance is genuinely excellent. But it doesn’t cover everything — and there are some real gaps that private insurance can fill, depending on your situation. Here’s what you need to know. Do You Actually Need Private Health Insurance? Let’s be real: national health insurance already covers 70% of most medical costs. For a lot of people, that’s enough. But private insurance is worth thinking about if: You want coverage for income during hospitalization (when you can’t work) You want a private hospital room (national insurance covers shared rooms only) You want dental coverage beyond basic treatments You travel internationally and need overseas medical coverage Your national insurance hasn’t kicked in yet (that gap period when you first arrive) Best Private Health Insurance Options for Foreigners 1. Tokio Marine — Best Overall for Residents Tokio Marine is one of Japan’s biggest insurers, and they have English support. Their plans cover the things national insurance leaves gaps in — hospitalization, surgery, and daily income replacement while you can’t work. ...

Japan has one of the best healthcare systems in the world — and as a foreigner living here, you’re required to join it. That’s actually a good thing, because it’s genuinely excellent value. Here’s how it all works. Is Health Insurance Mandatory for Foreigners? Yes. If you live in Japan for more than 3 months, you must join the national health insurance system. No exceptions. There are two types: Type Who it’s for Employee Health Insurance (健康保険) People employed full-time at a company National Health Insurance (国民健康保険) Self-employed, part-time workers, students If you work full-time at a Japanese company, your employer will enroll you automatically. You don’t have to do anything. ...