Health Insurance in Japan

Japan's healthcare system is renowned for its high quality and accessibility. As an expat or digital nomad moving to or living in Japan, it's important to understand how the health insurance system works, as it is mandatory for all residents, including foreigners, to be enrolled in some form of health insurance.

Health Insurance Companies in Japan

In Japan, health insurance is primarily provided through two systems: the Employees' Health Insurance (???? Kenk?-Hoken) for those employed by companies, and the National Health Insurance (?????? Kokumin-Kenk?-Hoken) for self-employed individuals, students, and retirees. Some of the most popular health insurers that manage these plans include Japan Health Insurance Association managing Employees' Health Insurance and various municipal governments managing the National Health Insurance. Expats are eligible to join these public insurance schemes, provided they are residents of Japan and meet the necessary criteria.

Expat Health Insurance in Japan

While many expats living in Japan opt for the public health insurance system, some choose to buy specialized expat health insurance. This decision may be influenced by factors such as a preference for English-speaking support, coverage for health issues that may not be fully covered by public insurance, or the desire for coverage when traveling outside of Japan. Specialized expat health insurance can offer more tailored services and direct billing options, which can be more convenient for some individuals.

Local Health Insurance vs. Expat Health Insurance

Expats and digital nomads in Japan typically have to decide between enrolling in the local health insurance system or opting for specialized expat health insurance. The local health insurance is comprehensive and cost-effective, with premiums based on income and virtually all medical facilities in Japan accepting it. However, expat health insurance might be preferred by those who seek more extensive coverage, including medical evacuation or repatriation, or who frequently travel outside of Japan. The choice often depends on personal circumstances, including length of stay, health needs, and financial considerations.

Considerations for Health Insurance in Japan

When deciding on health insurance in Japan, expats should consider several factors. One key consideration is the method of payment for medical services: some insurance plans allow for direct billing, where the insurer pays the medical facility directly, while others require the insured to pay upfront and then submit claims for reimbursement. The ease of communication with the insurer, the extent of coverage, including whether pre-existing conditions are covered, and the network of hospitals and clinics are also important. Additionally, understanding the claims process and whether the plan includes international coverage can be crucial for those who travel frequently.

Expats talk about Health Insurance in Japan

"I have Social Health Insurance that my job helped set up for me. It's accepted pretty much everywhere as it's a public insurance. I have only needed to do something preventative, though, so I have only paid for medical service in its entirely before," commented one expat living in Tokyo, Japan.

"My experience is that the national health insurance is great and easy to enroll in and easy to use. The insurance is reasonably priced and covers 70% of most medical needs. I have not had a problem with the healthcare system yet. I make sure to find an establishment that provides English support and everything is much smoother for me," mentioned one expat living in Japan.