Risks Related to Injury and Illness

Japan has adopted a mandatory health insurance system.
Foreign residents, except for short time visitors, etc. are also required to enroll in it.

Such health insurance, however, does not cover all medical expenses.
Certain costs have to be paid by the patient.
In particular, hospitalization and surgery costs may have to be met by the patient.
In such a scenario, you may suddenly have to bear a heavy financial burden and have difficulty paying for it.
For example, the daily copayment for hospitalization is about 20,000 yen on average.

To prepare for the risk of injury, we recommend that you purchase personal accident insurance

Generally, most general insurance companies provide insurances such as the following.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

When you wish to obtain a personal accident insurance

Please contact a general insurance company or an insurance agent.

Before signing a contract, we recommend consulting your acquaintance who is able to understand policy terms and conditions in Japanese.

*A general insurance contract is agreed under certain terms and conditions. Therefore, you need to understand the details of the coverage when you make a contract. Japanese general insurance companies provide their policy terms and conditions only in Japanese.

Personal accident insurance pays if you are injured, but it does not pay if you suffer an illness.

If you receive inpatient or outpatient treatment or surgery due to an illness, you may incur a large copayment for medical expenses.
Therefore, as well as personal accident insurance, you also need additional insurance.

To prepare for the risk of illness, we recommend that you purchase medical insurance

Generally, some general insurance companies provide insurances such as the following.

  • Coverage

    Medical insurance pays a fixed amount when the insured receives inpatient or outpatient treatment or surgery as a result of suffering an illness and an injury.
    For example, you are paid a fixed amount of benefit for the medical expense copayment, miscellaneous expenses arising from hospitalization (including private or semi-private room charges, costs of accompanying relatives, etc.), technical fees for advanced medical treatment, and other costs.

*Please note that the explanations about the general insurance referred above are based on the Japanese laws and practices. Please also note that the explanations referred above are examples. Actually, they may vary depending on each circumstance.

When you wish to obtain a medical insurance

Please contact a general insurance company or an insurance agent.

Before signing a contract, we recommend consulting your acquaintance who is able to understand policy terms and conditions in Japanese.

*A general insurance contract is agreed under certain terms and conditions. Therefore, you need to understand the details of the coverage when you make a contract. Japanese general insurance companies provide their policy terms and conditions only in Japanese.