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.
Personal accident insurance pays a fixed amount of benefit when you as the insured are injured from a sudden, unforeseen and external accident, whether in Japan or abroad, which falls under any of the following conditions.
Death Permanent disability Inpatient or outpatient treatment or surgery
*Personal accident insurance provides coverage for injuries, but it does not cover illness.
Ordinary personal accident insurance covers:
Traffic accident death Injuries sustained falling down stairs Injuries sustained falling off a bicycle Injuries sustained playing soccer Burns sustained while cooking Injuries sustained during travel On-the-job injuries
As coverage details vary between general insurance companies, please check to find the policy most suitable for you.
Various types of personal accident insurance policy are available, ranging from those providing comprehensive daily life coverage to those providing limited coverage.
- Family-type personal accident insurance covers not only the insured, but also the insured’s family members.
- Traffic personal accident insurance covers only injuries resulting from traffic accidents.
- Overseas travelers’ personal accident insurance also covers illness during travel, unlike other personal accident insurance policies.
In addition, insurance claims are paid for liability for damages and loss of or damage to your baggage during travel, and for the travelling and accommodation expenses for your family members to visit you if you are involved in an accident.
*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.