Beyond Travel Insurance: Health Coverage for Long-Term Stay in Japan

Japan is an increasingly popular destination for expats, digital nomads, and remote workers, drawn by its rich culture, advanced technology, and the recent introduction of a digital nomad visa. However, navigating the healthcare system and securing appropriate health insurance coverage can be challenging. In this blog post, we'll explore the health insurance options available for long-term expats, digital nomads, and remote workers in Japan.

Private Insurance Options

Several insurance providers offer plans suitable for expatriates and remote workers in Japan:

1. SafetyWing: Delivers versatile medical coverage options spanning the globe, accommodating individuals and families.

2. Allianz Care: Provides tailored expat health insurance with options for outpatient care and dental coverage.

3. AXA: Offers global health plans with options for both individuals and families.

4. VIVAVIDA: A Japan-based insurer offering affordable medical and life insurance plans specifically for foreigners living in Japan.

5. Cigna Global: Offers comprehensive international health insurance with flexible plans.

Health Insurance for Long-Term Expats in Japan

Long-term expats in Japan who are employed by a Japanese company are typically enrolled in the country's Social Health Insurance (SHI) system. SHI covers a significant portion of medical expenses, with the remaining costs covered by the individual. Expats who are self-employed or not eligible for SHI can enroll in the National Health Insurance (NHI) program, which provides similar coverage.

However, expats may also consider supplementing their Japanese health insurance with international health insurance. This can provide additional benefits, such as coverage for repatriation, emergency evacuation, and medical treatment in other countries. SafetyWing's Nomad Insurance plan can be a good option for expats looking for supplementary coverage, as it offers a range of benefits designed for those living and working abroad.

Health Insurance for Digital Nomads in Japan

Digital nomads visiting Japan on the new digital nomad visa are required to have health insurance coverage for the duration of their stay. However, they are not eligible for Japanese national insurance programs like SHI or NHI. This means that digital nomads must secure their own private health insurance coverage.

SafetyWing's Nomad Insurance Frequently appears at the top of the list in searches for digital nomad insurance due to its comprehensive and flexible coverage options tailored specifically to the needs of remote workers and digital nomads.

8 Reasons Why Digital Nomads and Remote Workers Favor SafetyWing Health Insurance

1. Global Coverage: SafetyWing covers 180 countries, providing protection for travelers in almost every corner of the world, which is ideal for nomads with unpredictable travel plans. 2. Affordability: SafetyWing offers a subscription-based model at a reasonable monthly rate, making it more manageable for digital nomads who prefer not to pay a huge amount upfront. The plan can be canceled at any time if travel plans change. 3. Wide Coverage: SafetyWing's nomad insurance provides coverage for unexpected illnesses or injuries, including eligible expenses for hospital stays, doctor visits, prescription drugs, and emergency travel-related benefits such as medical evacuations and lost checked luggage. 4. Adventure Sports Coverage: SafetyWing covers amateur sports and activities, such as scuba diving or surfing, if properly supervised and with appropriate safety equipment. This is a significant feature, as most travel insurance policies do not cover adventure sports.

5. 24/7 Global Assistance: SafetyWing offers 24/7 global assistance, providing reliable support for digital nomads in case of emergencies. The online chat service is particularly helpful for getting information quickly. 6. Flexible Subscription Model: SafetyWing's subscription model allows for easy renewal, pause, or cancellation of coverage, which is perfect for digital nomads whose travel plans can change frequently. 7. Home Country Coverage: SafetyWing provides limited medical insurance coverage in the home country for 30 days (15 days for US residents) after 90 days of foreign travel, which is beneficial for nomads who occasionally return home. 8. Telemedicine: SafetyWing's telemedicine coverage offers comprehensive and accessible medical consultations as part of its insurance plans, designed to meet the unique needs of digital nomads by providing extensive coverage and support.

One important consideration for digital nomads in Japan is emergency evacuation coverage. Japan is prone to natural disasters such as earthquakes and typhoons, which can disrupt travel plans and require swift medical attention. SafetyWing's Nomad Insurance plan covers emergency medical evacuation up to $100,000 lifetime maximum, or up to $25,000 for pre-existing conditions. This can provide peace of mind for digital nomads exploring Japan's diverse landscapes and cities.

Health Insurance for Remote Workers in Japan Remote workers in Japan who are employed by a foreign company may have health insurance coverage through their employer. However, it's essential to verify that this coverage extends to Japan and provides adequate benefits. If not, remote workers may need to secure their own private health insurance.

SafetyWing's Nomad Insurance plan can be a suitable option for remote workers in Japan, particularly if they plan to travel to other countries as well. The plan covers a wide range of countries, allowing remote workers to maintain continuous coverage as they move between destinations. Remote workers can also opt for SafetyWing's more comprehensive Nomad Health plan, which offers additional benefits such as maternity coverage up to $7,500 with a 20% co-insurance. Japan's Aging Population and the Need for Foreign Workers Japan has the world's oldest population, with more than 28% of its citizens aged 65 or older. This demographic shift has significant implications for the country's economy and healthcare system. As Japan's working-age population shrinks, there is a growing need for foreign workers to help support the aging population and maintain economic growth.

The Japanese government has introduced various initiatives to attract foreign talent, including the new digital nomad visa. However, ensuring access to quality healthcare and appropriate insurance coverage remains a crucial factor in attracting and retaining foreign workers. SafetyWing's insurance plans can help address this need by providing flexible, comprehensive coverage designed for the unique needs of expats, digital nomads, and remote workers.

Conclusion Expats, digital nomads, and remote workers in Japan have several health insurance options to consider, depending on their employment status and length of stay. Japanese national insurance programs like SHI and NHI provide comprehensive coverage for those who are eligible, while private insurance options like SafetyWing's Nomad Insurance plan can offer additional benefits and flexibility for those living and working abroad. When choosing a health insurance plan, it's essential to consider factors such as coverage for emergency evacuation, repatriation, and medical treatment in other countries. SafetyWing's Nomad Insurance plan addresses many of these needs, making it an attractive option for those exploring Japan's vibrant culture and business opportunities. SafetyWing's insurance options are designed to cater to the needs of digital nomads, remote workers, and their families, offering a range of plans that can be tailored to suit different family sizes and coverage requirements. As Japan continues to grapple with an aging population and the need for foreign workers, ensuring access to quality healthcare and appropriate insurance coverage will remain a key priority. By understanding the available health insurance options and choosing a plan that meets their unique needs, expats, digital nomads, and remote workers can enjoy a safe and rewarding experience in Japan.