Medical Insurance has become the need of the hour. With the sky-rocketing medical costs and the non-accessibility to healthcare in some parts of the world, Health Insurance is something that needs to be considered. Japan has world-class medical facilities and state-of-the-art healthcare infrastructure. We have curated some pointers that can guide you on how to apply for a Medical Insurance in Japan.
Health Insurance in Japan varies on many factors ranging from the age of the applicant, employment status, whether the person is a resident or a tourist, etc. Medical insurance in Japan is broadly categorized into two categories: Employees’ Health Insurance and National Health Insurance. Residents of Japan living in the country are required to enroll themselves in one of the two schemes.
National Health Insurance (Kokumin Kenko Hoken)
The Kokumin Kenko Hoken is a blanket insurance policy for natives and non-natives of Japan. The NHI covers 70% of your hospital bills and the premium (about 10%-30%) is dependent on your previous year’s income and age. This type of Insurance is mainly applied over the Doctor’s Consulting fees and is not very feasible for high-end injuries and severe health complications. To apply for this insurance, visit the Residential Affairs Division at your local City Office or Ward Office.
Employees’ Health Insurance (Kosei Nenkin)
As the name goes, this scheme is offered to employees working for small-mid sized companies, and government workers. The premium for this form of insurance is deducted directly from the employees’ paycheck. EHI is structured in such a way that 50% of the bills are paid by your employer and 50% from your paycheck.
This form of Insurance is distinct from the 2 mentioned above. There can be many reasons why one may opt for private insurance. Private insurance is viable for non-residents, tourists as well as residents looking for an all-inclusive insurance policy. Private Insurance insures against long-term illnesses and is also known to provide 100% insurance coverage against the entire bill. Some notable private insurance providers are Viva Vida and HealthOne.
Insurance for students
Students in Japan can avail of Medical Insurance too. Europe Travel, Travel Medical and Student Health are some reliable Health Insurance providers for students in Japan.
Applying for a Medical Insurance in Japan requires one to register their address and submit a couple of identity proof with the government. The premium you are liable to pay will be assessed by the government per your income. This makes it easier for students and the retired to avail of Health Insurance.
Now that you have a fair idea of the kind of Medical Insurance policies that are availed of in Japan, choose the one that is most suitable for you. We hope that this article has helped you understand the domain and can help you make the right choice for yourself in Japan.