Japan Health Insurance Market Overview

Health insurance in Japan is a system of compulsory insurance providing comprehensive coverage and long-term care benefits. The Japanese health insurance system is based on the principle of solidarity, which means that all members share the cost of medical expenses according to their ability to pay. There are two types of health insurance in Japan: public and private.

All residents of Japan are required by law to enroll in a health insurance plan.


As someone who’s lived in Japan for many years, I can tell you that the healthcare system here is top-notch. In fact, it’s often considered to be one of the best in the world. And while that may be true, there’s one area where Japan lags behind other developed countries: health insurance.

Now, don’t get me wrong, Japanese health insurance is good. It covers a wide range of medical treatments and procedures, and it’s very affordable. But there are a few key ways in which it falls short.

First of all, unlike in most other developed countries, health insurance in Japan is not mandatory. This means that a lot of people choose to forego coverage, which can lead to financial problems down the road if they get sick or injured and need expensive treatment. Secondly, even though premiums are relatively low, co-pays and out-of-pocket expenses can add up quickly.

This is especially true if you need to see a specialist or have an ongoing condition that requires regular treatment. Finally, while Japanese health insurance does cover a lot of different medical procedures and treatments, there are still some gaps. For example, dental care is often not included in basic plans (although it can be added on as an optional rider), and mental healthcare is also not typically covered.

Health Insurance Japan for Foreigners

There are a few things to know about health insurance in Japan if you are a foreigner. The first is that you are required by law to have it. The second is that it can be quite expensive, depending on the coverage you choose.

And the third is that there are a number of different options available, so it’s important to do your research before selecting a plan. The most basic level of health insurance in Japan is called kenkou hoken, or “Employment Insurance.” This is typically provided by your employer, and covers 70% of medical expenses incurred during treatment.

It also provides some limited coverage for things like dental care and maternity leave. If you are self-employed, you can purchase kenkou hoken from a social insurance office. In addition to kenkou hoken, there is also private health insurance available in Japan.

This can cover the remaining 30% of medical expenses not covered by employment insurance, as well as provide additional coverage for things like optical care and long-term nursing care. Private health insurance plans can be purchased through insurers such as Aetna or Cigna. If you’re looking for comprehensive coverage, consider purchasing a “combi” plan that combines both kenkou hoken and private health insurance.

These plans typically have higher premiums but offer more comprehensive protection against unexpected medical costs.

Employee Health Insurance Japan

In Japan, all employees are entitled to health insurance through their employer. This insurance covers a wide range of medical expenses, including hospitalization, outpatient care, prescriptions, and more. Employees typically pay a small monthly premium for this coverage, and the rest is covered by their employer.

This system ensures that everyone in Japan has access to quality medical care, and it also helps to keep costs down. In many cases, employees can get the same or better coverage through their employer-provided health insurance than they could on the open market. There are a few things to keep in mind when it comes to employee health insurance in Japan.

First, coverage is not automatic – you must enroll in your company’s plan in order to be covered. Second, your coverage will end if you leave your job (unless you continue working for the same company under a different contract). Finally, while most plans cover a wide range of services, there may be some exclusions or limitations depending on the particular policy.

If you’re working in Japan, make sure you understand your employee health insurance benefits so that you can take full advantage of them.

Not Paying National Health Insurance Japan

If you don’t pay your national health insurance in Japan, there can be some serious consequences. Not only will you be required to pay back the money that you owe, but you may also be subject to late fees and interest charges. In some cases, your name may even be published in a local newspaper.

If you’re struggling to make ends meet and can’t afford your national health insurance payments, there are some options available to you. You can contact your local city or town office to see if they offer any payment assistance programs. You may also be able to negotiate a payment plan with the insurance company itself.

Whatever you do, don’t ignore the problem. The sooner you take care of it, the less chance there is of serious financial penalties.

How to Pay Health Insurance Japan

In Japan, health insurance is mandatory for all residents. There are two types of health insurance available: Employees’ Health Insurance (EHI) and National Health Insurance (NHI). EHI is offered by employers and covers employees and their families.

NHI is available to self-employed individuals and those not covered by EHI. premiums for both EHI and NHI are based on income, age, family size, and place of residence. Coverage includes medical expenses incurred in Japan as well as abroad.

There are several ways to pay for health insurance in Japan. The most common method is through payroll deduction, which is automatically deducted from your salary each month. Other methods include direct bank transfer or automatic withdrawal from a savings account.

Insurance in Japan for Foreigners

When you are a foreigner living in Japan, one of the first things you need to do is sign up for some form of insurance. This is because the Japanese health care system is not free, and if you don’t have insurance, you will be responsible for paying all of your medical bills out of pocket. There are several different types of insurance available in Japan, and which one you choose will depend on your individual needs and circumstances.

In this blog post, we’ll take a look at the different types of insurance available to foreigners living in Japan, as well as some tips on how to choose the right policy for you. There are two main types of health insurance in Japan: public health insurance and private health insurance. Public health insurance is administered by the government and is mandatory for all residents of Japan, regardless of nationality.

Those who are employed full-time will have their premiums deducted from their monthly salary, while those who are self-employed or unemployed will need to pay their premiums directly to the government offices responsible for collecting them. The benefits provided by public health insurance include coverage for hospitalization, surgery, maternity care, prescriptions, and more. In general, public health insurance plans have lower premiums than private plans (although this is not always the case), but they also tend to provide less comprehensive coverage.

Private health insurance plans can be purchased from a number of different companies in Japan. These plans are not mandatory like public health insurance , but they can provide more comprehensive coverage than public plans . Private insurers often offer a wider range of covered services , such as dental care , optical care , and alternative therapies .

They may also offer higher levels of reimbursement than public plans . When choosing a private insurer , it’s important to compare premiums , covered services , and reimbursement levels before making a decision .

Types of Health Insurance in Japan

There are a few types of health insurance in Japan: private, company-sponsored, and the national health insurance. Private health insurance is just that – private. You buy it yourself from an insurer of your choice.

Company-sponsored health insurance is offered by, you guessed it, your employer and usually comes with some perks like lower premiums or co-payments. The national health insurance is available to all residents of Japan and is administered through the government. It’s compulsory for people between the ages of 20 and 74, and optional for those outside of that age range.

Now that we’ve got the basics out of the way, let’s take a more detailed look at each type of health insurance in Japan. Private Health Insurance This type of policy is taken out by individuals rather than companies or the government.

Because it’s not part of a group plan, it tends to be more expensive than other types of insurance. That being said, there are a few advantages to having private health insurance in Japan. For one, you can choose your own doctor or hospital (within reason – more on this later).

You also don’t have to worry about things like waiting lists because you have direct access to care. Finally, if you have private health insurance in Japan, you’re not required to pay into the national health care system – something that could save you money down the road. Company-Sponsored Health Insurance

As its name implies, this type of coverage is provided by your employer as part of your benefits package. In most cases, premiums are deducted directly from your paycheck before taxes are taken out – making them slightly cheaper than if you were paying for them yourself. Additionally, many companies will cover a portion (if not all) of any additional costs associated with things like co-pays or prescription drugs .

Of course , as with anything , there are downsides . For example , if you leave your job , you may lose your coverage . And , depending on how generous your company’s plan is , you may still have to pay some out -of -pocket costs . Nevertheless , company -sponsored health insurance is definitely worth considering if it ’ s an option for you . National Health Insurance The third and final type of healthcare available in Japan is nationalhealthinsurance . As we mentioned earlier , this system is mandatoryfor residents between certain ages ( 20 – 74 ), but optional for everyone else . Ifyou do decide to enroll , you ’ ll be required to pay monthly premiumswhich will be based on factors like income and family size .

Unemployed Health Insurance Japan

There are a number of reasons why someone might be unemployed in Japan. Perhaps they were laid off from their previous job, or maybe they’re just entering the workforce after completing their studies. Regardless of the reason, being unemployed can be a stressful and difficult time.

One of the biggest concerns for many people is how to maintain their health insurance coverage. In Japan, there are two main types of health insurance: Employees’ Health Insurance (EHI) and National Health Insurance (NHI). EHI is typically provided by an employer and covers both the employee and their family members.

NHI is a public health insurance system that everyone is required to enroll in. premiums are based on income, so those who are unemployed may pay a lower rate. If you lose your job and your EHI coverage along with it, you have 60 days to enroll in NHI or another type of health insurance plan.

If you don’t enroll within that timeframe, you’ll be subject to a late enrollment penalty when you do eventually sign up for coverage. While being unemployed can be a challenging time financially, it’s important to make sure that you maintain your health insurance coverage to protect yourself and your family.

How to Apply for National Health Insurance Japan

National Health Insurance (NHI) is a system of compulsory health insurance in Japan that covers all residents. The NHI is administered by the Ministry of Health, Labour and Welfare (MHLW). All Japanese citizens and legal residents are required to enroll in an NHI plan.

There are two types of NHI plans: Employees’ Health Insurance (EHI) and Residents’ Health Insurance (RHI). EHI is for employees of companies that have 50 or more employees. RHI is for everyone else, including self-employed people, students, homemakers, and retirees.

To apply for NHI, you will need to fill out an application form at your local city hall or ward office. You will need to provide your personal information, as well as your employer’s information if you are applying for EHI. If you are not employed, you will need to provide proof of residency in Japan.

Once you have submitted your application, you will be issued an insurance card which you will need to present when using medical services covered by NHI. You will also need to pay premiums monthly or annually depending on your chosen payment plan.

Health Insurance Japan

Credit: tokyocheapo.com

How Much Does Health Insurance Cost in Japan?

Japan has a universal health care system that is largely financed by taxes. In 2014, total health spending was $357 billion, or about $3,000 per person. About 70% of this was paid for by the government, and the rest was covered by private insurance and out-of-pocket payments.

The cost of health insurance in Japan varies depending on the type of plan you choose. There are four main types of plans: Employees’ Health Insurance (EHI), National Health Insurance (NHI), Residents’ Health Insurance (RHI) and Mutual Aid Associations (MAA). EHI is the most common type of plan, covering about 40% of the population.

NHI covers about 30%, RHI covers 20% and MAA covers 10%. EHI plans are offered by employers and cover employees and their families. premiums are based on income and range from 0 to 8% of monthly salary.

NHI is a mandatory plan for all citizens and residents, with premiums based on income and ranging from 0 to 10%. RHI is a voluntary plan for people who are not eligible for EHI or NHI, with premiums starting at around $50 per month. MAA plans are offered by non-profit organizations and have membership fees that vary depending on the organization.

In general, Japanese health insurance plans cover a wide range of medical services including doctor visits, hospitalization, surgery, prescriptions drugs, maternity care and more.

Can Foreigners Get Health Insurance in Japan?

Yes, foreigners can get health insurance in Japan. In order to do so, they must first obtain a residence card, which is available through the Japanese Ministry of Justice. Once they have obtained a residence card, they can then apply for health insurance through the Japanese National Health Insurance system.

Is Healthcare Free in Japan?

No, healthcare is not free in Japan. However, the Japanese government does provide universal health insurance coverage for all of its citizens and residents. This means that everyone has access to basic medical care services at an affordable price.

There are also a number of private health insurance companies in Japan that offer more comprehensive coverage plans.

How Do I Get Health Insurance in Japan?

There are a few ways to get health insurance in Japan. The most common way is through your employer, who will usually offer some form of comprehensive health insurance. If you’re self-employed or otherwise not eligible for workplace insurance, you can buy private health insurance from one of the many insurers operating in Japan.

There are also a few government-run health insurance schemes, which cover residents who cannot otherwise afford private health insurance.


In Japan, health insurance is compulsory for all citizens and residents. There are two types of health insurance: public and private. Public health insurance, which is provided by the government, is available to all citizens and residents.

Private health insurance is provided by private companies and is available to those who are not eligible for public health insurance.

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