Looking for private health or life insurance? We review the top insurance providers that cater to the international community in Japan.

While National Health Insurance (NHI) is great, many expats want extra coverage for private rooms, English support, or critical illness. Here are the best insurance companies in Japan for expats.

1. Cigna Global

• Type: International Private Medical Insurance (IPMI).
• Pros: 24/7 English support, direct billing with many international hospitals (like St. Luke's).
• Cons: Expensive.

2. Allianz Care

• Type: IPMI.
• Pros: Flexible plans, covers repatriation (flying you home if you get seriously sick).
• Cons: Claims process can be slow.

3. Viva Vida Medical Life

• Type: Short-term Small Amount Insurance.
• Pros: specifically designed for foreigners in Japan. Very affordable.
• Cons: Coverage limits are lower than major insurers.

4. Sony Life / Prudential

• Type: Life Insurance.
• Pros: They have "Life Planners" who often speak English and can tailor a package for you.
• Cons: Sales-driven approach.

👉 Life Insurance: Japan Life Insurance for International Expats

Do you need it?

If you are young and healthy, NHI is usually enough (it covers 70%). Private insurance is for those who want comfort (private rooms) and speed (skipping wait times).