Global Major Cities Guide

Information on health insurance options and coverage available for residents and visitors in Tokyo.

Sections

Comprehensive Guide to Health Insurance in Tokyo, Japan

Health insurance is a critical aspect of living or visiting Tokyo, Japan, as it ensures access to the country’s high-quality healthcare system. Japan has a universal healthcare system, and health insurance is mandatory for all residents, including foreigners living in the country for an extended period. Below is a detailed guide to understanding health insurance in Tokyo, tailored for both long-term residents and short-term visitors.

1. Types of Health Insurance in Japan

Japan’s health insurance system is divided into two main categories:

A. National Health Insurance (NHI - 国民健康保険)

Who is eligible?
- Residents of Japan who are not covered by employer-sponsored insurance, including:
  - Self-employed individuals
  - Freelancers
  - Students
  - Unemployed individuals
- Foreign residents staying in Japan for more than 3 months.
Coverage:
- Covers 70% of medical costs (patients pay 30% out-of-pocket).
- Includes doctor visits, hospital stays, surgeries, prescription medications, and some dental care.
- Preventive care, such as vaccinations and health check-ups, may also be included.

B. Employee Health Insurance (EHI - 社会保険)

Who is eligible?
- Employees of companies or organizations in Japan.
- Employers are required to enroll their employees in this insurance.
Coverage:
- Similar to NHI, covering 70% of medical costs.
- Additional benefits, such as maternity leave compensation, injury compensation, and family coverage, may be included.
Premiums:
- Shared between the employer and employee, typically deducted from the employee’s salary.

C. Private Health Insurance

Who is eligible?
- Anyone who wants supplemental coverage.
Purpose:
- Covers the 30% co-payment or provides additional benefits like private hospital rooms, advanced treatments, or life insurance.
- Often used by expatriates or those seeking extra peace of mind.

2. Health Insurance for Short-Term Visitors

Short-term visitors (e.g., tourists) are not eligible for Japan’s public health insurance system. However, they are strongly encouraged to have travel insurance that includes medical coverage. Here’s what you need to know:

Travel Insurance:
- Purchase travel insurance before arriving in Japan.
- Ensure it covers medical emergencies, hospital stays, and repatriation.
Out-of-Pocket Costs:
- Without insurance, you will need to pay 100% of medical costs upfront, which can be expensive.
- Keep receipts, as some travel insurance providers allow reimbursement after treatment.

3. Costs of Health Insurance

A. National Health Insurance (NHI)

Premiums are based on your income and household size.
For low-income earners or students, premiums can be as low as ¥2,000–¥5,000 per month.
Higher-income earners may pay ¥20,000–¥30,000 per month or more.

B. Employee Health Insurance (EHI)

Premiums are typically 8–10% of your monthly salary, split between you and your employer.
For example, if your monthly salary is ¥300,000, your contribution might be around ¥15,000.

C. Private Health Insurance

Costs vary widely depending on the coverage and provider.
Basic plans start at ¥2,000–¥5,000 per month, while comprehensive plans can exceed ¥10,000 per month.

4. Enrollment Procedures

A. National Health Insurance (NHI)

Visit Your Local Ward Office (区役所):
- In Tokyo, each ward (e.g., Shinjuku, Shibuya, Minato) has its own office.
- Bring the following documents:
  - Residence Card (在留カード)
  - Passport
  - My Number Card (マイナンバーカード) or notification letter
  - Proof of address (e.g., rental contract or utility bill)
- If you are a student, bring proof of enrollment.
Complete the Application:
- Fill out the NHI application form.
- You will receive your health insurance card (保険証) within a few weeks.

B. Employee Health Insurance (EHI)

Employer Handles Enrollment:
- Your employer will register you for EHI when you start working.
- You will receive your health insurance card from your employer.

C. Private Health Insurance

Research Providers:
- Popular providers include Aetna, Allianz, and local Japanese companies like Sompo Japan or Tokio Marine.
Apply Online or In-Person:
- Provide personal details, including your residence status and health history.
Receive Policy Documents:
- Keep your policy details and contact information for emergencies.

5. Cultural Considerations

Language Barrier:
- Many hospitals and clinics in Tokyo have English-speaking staff, but smaller clinics may not.
- Consider using translation apps or hiring a medical interpreter if needed.
Politeness and Patience:
- Japanese healthcare providers are known for their professionalism and politeness.
- Be patient and respectful during consultations.
Cash Payments:
- Even with insurance, you will need to pay your 30% share at the time of treatment. Many clinics accept cash only, so carry enough yen.

6. Essential Local Resources

A. Hospitals and Clinics with English Support

Tokyo Medical and Surgical Clinic (TMSC):
- Location: Minato Ward
- Services: General medicine, pediatrics, and more.
- Website: www.tmsc.jp
St. Luke’s International Hospital:
- Location: Chuo Ward
- Services: Comprehensive care with English-speaking staff.
- Website: www.luke.or.jp
Himawari Tokyo Medical Information Service:
- A government-run service providing information on English-speaking medical facilities.
- Phone: 03-5285-8181
- Website: www.himawari.metro.tokyo.jp

B. Emergency Numbers

Ambulance and Emergency Services: 119
Tokyo English Lifeline (TELL) for mental health support: 03-5774-0992

C. Online Resources

Japan Healthcare Info (JHI):
- Offers assistance with finding English-speaking doctors and navigating the healthcare system.
- Website: www.japanhealthinfo.com
Tokyo Metropolitan Government Website:
- Provides detailed information on health insurance and medical services.
- Website: www.metro.tokyo.lg.jp

7. Tips for Visitors and Immigrants

Always Carry Your Insurance Card:
- You will need it for any medical visit.
Know Your Ward Office:
- Each ward in Tokyo has its own procedures and resources.
Plan for Emergencies:
- Save the contact information for your embassy and local hospitals.
Stay Healthy:
- Tokyo has excellent parks, gyms, and wellness centers to maintain a healthy lifestyle.

By understanding the health insurance system in Tokyo and taking the necessary steps to enroll, you can ensure access to affordable and high-quality healthcare during your stay. Whether you’re a long-term resident or a short-term visitor, being prepared will give you peace of mind and allow you to enjoy all that Tokyo has to offer.