Do I have to join Japanese Health Insurance?
Yes, if you are a non-Japanese resident with a resident card and intend to stay for more than a year*, it is strongly recommended to enroll in Japanese health insurance. Even if you have health insurance in your own country, it cannot be used as a substitute for Japanese Health Insurance as Japanese hospitals and clinics do not accept foreign insurance fro direct settlements. If seeking treatment under foreign health insurance, you will need to pay the full cost of consultation, treatment, tests and medication, and later submit reimbursement paperwork to your provider, yourself.
*The eligibility changed from one year to 3 months in July 2012. Please visit our post for details http://japanhealthinfo.com/2012/07/24/change-in-national-health-insurance/
If you are working full-time for a company, your company should offer to enroll you in Social Health Insurance.
If you are a student or self-employed, you will need to enroll in National Health Insurance.
If you are having financial difficulties and are struggling to pay your premiums, it may be possible to file for reduced rates. Contact us and we can help negations with your local insurer.
For details, visit our page Japanese Health Insurance.