It is well known that credit cards come with overseas travel insurance, but few people check whether it is automatic or supplementary. In the case of supplementary coverage, the insurance will not be applied unless the payment is made with the card for this overseas trip. In addition, in the case of the supplementary coverage, cashless payment at the local hospital is not covered (since it is impossible to confirm whether the card payment was made or not during the short trip period, it is excluded from the coverage from the beginning).
The most common insurance claim is for illness and injury treatment. If you do not have insurance, you will naturally have to pay the full cost of treatment. Depending on the country, this can be quite expensive. (It is possible to claim a refund by filing a claim with the National Health Insurance or Health Insurance after returning to your home country, but after confirming that the medical treatment is appropriate, you will be paid according to Japanese medical reimbursement standards, so there will be a difference, and you will need to have local language skills and a medical certificate.)
In Japan, there is a universal health insurance system, ambulances are free of charge, and only a certain percentage of medical expenses are covered.
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