Why Travel Insurance Matters
Japan has world-class healthcare, but medical costs can be significant for visitors without local health insurance. A simple outpatient visit may cost ¥5,000 to ¥10,000, while emergency room treatment can easily exceed ¥50,000. Hospitalization and surgery can cost hundreds of thousands of yen.
Travel insurance typically covers these expenses and provides peace of mind. Most policies cover emergency medical treatment, hospital stays, medication, emergency dental care, and medical evacuation if needed.
We strongly recommend purchasing travel insurance before your trip to Japan. Many credit cards also include travel insurance when you use them to book your trip.
How to Use Insurance at the Hospital
In Japan, most hospitals require you to pay out of pocket at the time of treatment. You then submit a claim to your insurance company for reimbursement afterward. Here is the typical process:
- Contact your insurance company first (if possible). Many insurers have a 24-hour assistance hotline. They may be able to arrange direct billing with the hospital or guide you through the process.
- Bring your insurance documents to the hospital. Show your insurance card or policy number at reception. Some hospitals are familiar with international insurance and may be able to process claims directly.
- Pay upfront. Most hospitals will ask you to pay the full amount at the time of treatment. This is standard practice in Japan for international patients.
- Get an itemized receipt and medical report. Ask for a detailed receipt (ryoushūsho) and, if possible, a medical certificate or report in English. These are essential for your insurance claim.
- Submit your claim. Follow your insurance company's claims process. Most accept online submissions with scanned documents.
What to Keep for Your Claim
Keep all of the following documents. Your insurance company will need them to process your reimbursement:
- All receipts from the hospital (itemized if possible)
- Prescription receipts from pharmacies
- Medical certificates or reports (ask for English versions)
- Copies of any diagnostic test results
- Records of transportation to the hospital (taxi receipts, etc.)
- Your insurance policy number and contact details
- A copy of your passport (identity page)
Tips
- Take photos of all documents and receipts immediately as backup.
- If your insurance company has a mobile app, use it to start your claim while still in Japan.
- Some credit card travel insurance requires you to have booked the trip with that card. Check your policy before relying on it.
- Pre-existing conditions may not be covered. Review your policy exclusions carefully.
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