Health Insurance for Japan

✅ What is insured?

Medical treatment everywhere

You are covered for medical treatment up to a total of €1,000,000, including doctor’s visits (outpatient) and hospitalization (inpatient stays) at public and private doctors and hospitals.

Ambulance emergency transport

You are covered for ambulance emergency transport to the nearest hospital that fits your medical needs. This includes road, air, water, and rail vehicles.

Consultations & telemedicine

You are covered for doctor consultations to evaluate your symptoms, including telemedicine services.
This is especially helpful when traveling in areas with limited healthcare access.

Medical care

You are covered for prescribed medical examinations (like CT, ECG, EKG, MRI, PET, X‑ray), procedures (from minor treatment to major surgery), medication (like antibiotics & painkillers), materials and devices (like crutches, rental walkers & wheelchair).

Assistance & direct billing

Our 24/7 emergency assistance manages your inpatient treatment, organizes payments directly to your hospital, and carefully follows your treatment to ensure a high quality of care.

Sports injuries

You are covered for almost all sports and activities, including climbing, cycling, diving, hiking, kitesurfing, mountain biking, martial arts, motor vehicle operations, parachuting, skydiving, skiing, snowboarding, and surfing.
Conditions apply to certain sports and activities.

Medical repatriation

You are covered for a medically necessary return transport to your home country.
This includes transport by any suitable vehicle, including ambulance and specialized worldwide air ambulance service.

Hospital visits

If you are hospitalized with a life-threatening emergency, you are covered to have one family member visit you.
This includes the costs of economy-class travel and standard accommodation, up to €5,000 per insurance case.

Physiotherapy

You are covered for up to 6 prescribed physiotherapy sessions per insurance case.

Emergency dental treatment

If needed as a result of an accident, you are covered for basic dental care up to €1,000 per insurance case.

⛔️ What is not insured?

Prior health conditions

You are not covered for health conditions that showed symptoms, were diagnosed, treated, or medically consulted within one year before your insurance starts.
You are not covered for chronic conditions, congenital disorders, or physical malformations you knew about before your insurance starts.

Key coverage exclusions

You are not covered for:
If you would like to have this covered, travel health insurance is not the right choice for you. You are looking for international health insurance like Genki Native.

• Dental health care (except for accidents)
• Alternative health care
• Mental health care
• Maternity care
• Rehabilitative care
• Preventive health care

Professional & dangerous sports

You are not covered for any sport where you are regularly compensated.
You are not covered for alligator wrestling, BASE jumping, bull riding, hunting, running of the bulls, train surfing, and wingsuit flying.

Anything after repatriation

If you are brought back to your home country at the expense of the insurer (repatriation), your insurance ends immediately after you arrive at your destination. Health insurance or public health care in your home country will take over.

You can decide to stay abroad.

Non-medical travel costs

We focus on high-quality health insurance, 24/7 emergency assistance, and fast simple reimbursement processes.
You are not covered for trip cancellation, trip interruption, flight delays, lost luggage, loss due to theft or burglary, and personal liabilities.

⚠️ Are there any restrictions on cover?

Deductible

You pay the first €50 per insurance case and the insurer pays the remainder.
For example, treatment for a dislocated shoulder in Bali costs €1,700. You pay €50 and your insurance reimburses the remaining €1,650.
There is no deductible for inpatient stays.

Waiting period

If you are already outside of your home country when your insurance starts and you have no prior coverage, only medical emergencies are covered for the first 14 days.