Understanding healthcare and health insurance in Japan

Moving to Japan is an exciting endeavor that offers many new opportunities and experiences. For anyone looking to emigrate to Japan, it is crucial to familiarize yourself with the Japanese healthcare system and the various health insurance options beforehand. This comprehensive guide is aimed at anyone embarking on the adventure of emigrating to Japan, as well as retirees planning to spend their retirement there. Especially for people who run non-listed companies or work in smaller organizations, Japan offers a stable and accessible healthcare system.

The Japanese healthcare system is considered one of the best and most efficient in the world. It offers universal coverage, ensuring that all residents have access to high-quality medical care. The system is funded by contributions from employees, employers and the government.

• Cover: This insurance usually covers 70% of medical costs, including doctor's visits, hospitalization, medication and certain preventive check-ups.
• Contribution amount: Contributions are calculated in proportion to the employee's income, with the employer paying a significant share.
• Advantages: In addition to financial support for medical costs, the system also offers access to a wide range of healthcare facilities and specialists.

• Target group: This insurance is available to the self-employed, pensioners and the unemployed. Foreigners living in Japan for more than one year must also register here.
• Contribution amount: Contributions are also based on income, although there are reductions for people on low incomes.
• Services: Similar to employee insurance, 70% of medical expenses are covered.

As a foreigner in Japan, it is crucial to take care of your health insurance promptly. You must register with the national health insurance company in Japan within 14 days of your arrival.

While public health insurance offers solid basic cover, many foreigners opt for additional private health insurance. This can be particularly advantageous for the following aspects:

• Extended coverage: Private health insurance in Japan often offers additional benefits, such as alternative therapies or improved hospital accommodation.
• Shorter waiting times: Private facilities often have shorter waiting times and more direct access to specialists.
• International coverage: Some policies offer cover for trips outside Japan, which is particularly attractive for frequent travelers.

Visiting a doctor in a foreign country can be a challenge, especially if there are language barriers. Here are some practical tips to make the process easier:

• Language preparation: It can be helpful to learn basic medical terms in Japanese or use a translation app on your smartphone.
• English-speaking clinics: In urban areas, there are clinics that can communicate in English. Prior research can help to find such facilities.
• Health insurance card: This card is required for every visit to the doctor and should always be to hand.

Moving to Japan, whether for professional reasons or to emigrate to Japan as a retiree, requires careful planning, especially in terms of healthcare. With a sound understanding of the Japanese healthcare system and a well-chosen health insurance policy, expats can ensure that they are well taken care of in the event of illness or injury. Choosing the right insurance option is an important step towards a safe and worry-free life in Japan.