There are two main types of insurance that overseas residents can purchase when they temporarily return to Japan.
1. national health insurance
2. reverse overseas travel insurance
Of course, it does not matter which insurance you have. However, it is important to note that if you do not have health insurance, you will receive free medical treatment and the cost of treatment will be higher.
In this regard, if you have reverse overseas travel insurance, you can rest assured that you will be covered in case of any problems.
If nothing comes in, "I'm going to uninsured status does that mean it will be "the" one?
Yes, it is. I'd recommend getting insurance just in case.
I will explain the whole process of purchasing insurance below.
table of contents
What kind of travel insurance is recommended for Japanese residents abroad who are "temporarily returning to Japan"? (Tokio Marine & Nichido service)
Are you thinking "I need travel insurance..." on your temporary return to Japan? If any of the following applies to you, please read through this article and consider purchasing insurance.
What will happen to my National Insurance if I return to Japan temporarily?
I would like to know if it is possible to use the insurance card in Japan even if I live overseas.
I would like to have insurance coverage in the hospital if I am injured when I return to Japan temporarily...
I don't want to be charged for expensive medical bills in case of any problems.
I would like to know more about travel insurance, which is different from national health insurance.
Let me start by summarizing the basic flow of "when an insurance card is issued.
Flow of "issuing an insurance card" upon temporary return to Japan
When a person living abroad temporarily returns to Japan, it is possible to purchase "National Health Insurance", right?
However, since subscription is "Resident Registration Required" Since this is treated as a move and not a temporary return, you will be required to report your move-in. This information has been supplemented in another article.
If you have not read the article yet, please click on the link below for more information.
⇒What is the reverse overseas travel insurance that can be purchased for a temporary return trip of one month or more?
* the relevant section is the "Supplemental" section at the end of the link
In simple terms, the process is [issue a resident registration card→enroll in National Health Insurance→issue an insurance card]. The important thing is "whether or not to register as a resident" because the basic rule is that you cannot enroll in the National Health Insurance if your home base of residence is overseas.
Does issuing an insurance card start with the "resident registration process"?
Yes, I have to issue a certificate of residence first, so I don't have a choice.
If you are planning to enroll in the National Health Insurance system, please contact the municipal office in your area of residence directly for advice on how to proceed.
How much insurance does an overseas resident need to purchase when temporarily returning home?
The length of stay varies from person to person, even if we say "temporary return" in a nutshell.
With our reverse overseas travel insurance policy, we can offer "From as little as 1 day to up to 6 months". If you were to purchase insurance for 31 days, the cost would be approximately 10,000 yen.
The application window differs depending on the length of stay, so please check the link below for details.
▼For short-term stays, click here.
⇒ Click here to apply for reverse overseas travel insurance (for periods from 1-31 days).
▼Long-term stays
⇒ Click here to apply for reverse overseas travel insurance (for periods longer than 32 days).
* non-Japanese can stay up to 3 months (Japanese can stay up to 6 months)
Dental care (dentist) is not included in the coverage of the furlough.
Generally speaking, people from overseas often have the impression that "Japanese medical technology is very good. The same is true for dental treatment.
Unfortunately, however, "reverse overseas travel insurance" does not cover dental treatment.
The reality is that few foreign countries have a medical insurance system as well developed as Japan's, and most of them do not have private medical insurance, which causes problems such as being charged high medical bills".
I'm proud of your reputation for quality service as well as medical skill.
What we usually take for granted looks different when we look at it from a different perspective.
Some people go out of their way to receive dental treatment in Japan because of the high level of technology, even if it is not covered by insurance, but please note that it is not covered by reverse overseas travel insurance.
Is it possible to get travel insurance for a temporary return trip even after entering the country in time?
Basically, there is a "due date to purchase" for temporary return insurance.
For example, our "Insurance for Short-Term Stay" for our overseas residents, it is possible to apply for reverse overseas travel insurance with a deadline of up to 5 days after entry into Japan.
For your information, long stay insurance (32 days or more) does not have a limit of 5 days. It depends on your situation whether or not you can purchase insurance after you enter the country, so please feel free to contact us.
What type of insurance is best for me to purchase when I return home temporarily?
Considering the situation where you will be returning to Japan temporarily, it is desirable to complete the application procedures as smoothly as possible so that you do not rush through the application process at the last minute.
In that sense, "reverse overseas travel insurance" may be ideal. If you are still considering purchasing this insurance, please keep the following three points in mind.
1. telephone interpretation services that transcend language barriers
2. services that do not require on-the-spot payment of medical and pharmaceutical costs in the event of an accidental injury
3. support in case of loss or theft of passport or credit card
The best plan will vary depending on the scope of coverage and the amount of insurance, so it is recommended that you consider the best plan for you, including the length of your trip.
It's true that a temporary return to Japan can be for a short stay or a long period of time!
The longer you stay in Japan, the more the risks will naturally be proportionate.
Below I will summarize the insurance recommendations for a temporary return home.
Recommendations for insurance for use on temporary return trips
We have a page explaining the reverse overseas travel insurance that we offer.
▼ "For foreigners visiting Japan" and "for people temporarily returning to Japan" overseas travel insurance
⇒ https://tokiomarinenichido.co.jp/lp-japan-travel/
* click to open in a new window
The buttons to press are different depending on the length of your stay in Japan, so I'll write them down just in case. The following will open the application window directly, so if you are in a hurry, please click the link.
▼ Short-term stay (from 1 to 31 days)
⇒ Click here to apply for reverse overseas travel insurance.
▼ Long-term stay (32%)(from 1 day to 3 months)
⇒ Click here to apply for reverse overseas travel insurance.
* up to 3 months for non-Japanese (6 months allowed for Japanese)
How to receive medical treatment at a hospital during your temporary return to Japan without an insurance card
As explained above, "issuing an insurance card during a temporary return to Japan" requires enrollment in the National Health Insurance program. For this purpose, "resident registration is required," right?
In other words, without an insurance card, insurance cannot be applied at the time of hospital treatment. Conversely, if the temporary returnee has travel insurance even if he/she does not have an insurance card, travel insurance coverage for injuries and illnesses during the temporary return is recommended for peace of mind.
It's going to take a long time to issue a certificate of insurance, so travel insurance would come in handy.
The insurance card is issued from the resident registration, so you'll need a little extra time.
If you have any questions or concerns about "reverse overseas travel insurance", please feel free to contact our contact form (or call us) at any time.
summary
Today, we introduced "Temporary Return Insurance for Japanese Residents Abroad".
If you forgot to purchase reverse overseas travel insurance, you can still apply for it after you enter Japan. For a short stay (1-31 days), it can be done within 5 days of arrival. For a long-term stay (32 days or more), there is no limit of 5 days after entry into Japan.
However, there is a possibility that you may forget to purchase insurance in the rush after entering Japan. It is always a good idea to have insurance in place before you leave.
We hope this article will be of help to you.
