For expatriates moving to or living in Japan, navigating the insurance landscape can feel complex. From understanding the national health system to choosing the right coverage for earthquakes, making an informed decision is vital.
This guide simplifies the process. We provide a comprehensive directory of Japan’s leading insurance providers and answer the most critical questions foreigners face. Click any logo to get direct access to official information, contacts, and services.
Directory of Top Insurance Companies in Japan
This directory includes major Japanese insurers and global providers with a strong presence in the country. Use the filters to find the right company for your life, health, property, or specialty insurance needs.
- All Insurers
- General & life providers
- Health Insurance Providers
- Global Specialty Risks
- Insurance Brokers & Risk Advisors
- Other Financial Institutions (Banks)
- Other Financial Institutions (Motoring Clubs)
- Retirement Savings
Tokio Marine Holdings
A leading global insurer with a strong presence in property, casualty, and auto insurance.
Japan office General & life providersMS&AD Group
A top Japanese insurer providing a wide range of property, casualty, and life insurance solutions.
Japan office General & life providersSompo Holdings
A major Japanese property and casualty insurer offering diverse insurance products and risk management services.
Japan office General & life providersNippon Life.
One of Japan's largest life insurers, offering a wide range of life and health products.
Japan office General & life providers, Retirement SavingsSUMITOMO LIFE
A leading Japanese life insurer providing comprehensive individual, group, medical, and retirement insurance plans.
Japan office General & life providersDAI-ICHI LIFE
A major Japanese insurer providing a diverse portfolio of life, health, and annuity products.
Japan office General & life providers, Retirement SavingsJAPAN POST Insurance
A top Japanese life insurer offering simple, accessible policies through its vast post office network.
Japan office General & life providersNow Health
Specializes in premium international health insurance for expats, families, and companies.
Japan office Health Insurance ProvidersAIG
A recognized global insurer for property, civil liability, financial lines, and specialty risk coverage.
Japan office General & life providersAllianz Global Health
Provides worldwide health insurance products and solutions.
Japan office Health Insurance ProvidersMunich Re
A leading global reinsurer strengthening insurers with innovative risk transfer and capital management products.
Japan office Global Specialty RisksMetLife
Offers a range of insurance and retirement solutions, including group benefits and dental/disability plans.
Japan office General & life providersSBI Holdings
A financial group offering various services, including a range of life and non-life insurance products.
Japan office General & life providersSony Life Co., Ltd. Japanese Insurance Company
A Japanese insurer specializing in providing customized life insurance plans through its "Lifeplanner" consultants.
Japan office General & life providersAsahi Mutual Life Ins. Co.
A Japanese mutual company providing a variety of life, medical, and long-term care products.
Japan office General & life providersChubb
Chubb offers a wide range of property and casualty insurance products, playing a significant role in the global insurance market.
Japan office General & life providersAXA
A global insurer providing a wide array of solutions including auto, home, life, and health insurance.
Japan office General & life providersSwiss Re
A leading global reinsurer supporting the local market.
Japan office Global Specialty RisksHannover Re
One of the world's largest reinsurers with a diverse portfolio.
Japan office Global Specialty RisksAON
A global professional services firm providing risk, retirement, and health solutions.
Japan office Insurance Brokers & Risk AdvisorsJAPAN AUTOMOBILE FEDERATION
Japan's largest motor club, providing roadside assistance, member services, and driving-related support.
Japan office Other Financial Institutions (Motoring Clubs)ING
A global bank that offers various financial products, including insurance solutions through partnerships.
Japan office Other Financial Institutions (Banks)Korean Re
A major reinsurance company based in South Korea, providing a wide range of reinsurance solutions to domestic and international insurers.
Japan office Global Specialty RisksAXA XL
AXA's property & casualty and specialty risk division for complex risk issues.
Japan office Global Specialty RisksAllianz Trade
The global leader in trade credit insurance, a specialized division of Allianz offering solutions to protect companies against payment defaults for their commercial receivables.
Japan office Global Specialty RisksPrudential plc
An international financial services group with a focus on Asia and Africa. It provides life and health insurance and retirement and asset management solutions. (Note: Separate from the US-based Prudential Financial).
Japan office General & life providersSTARR
A global insurance and investment organization providing a wide range of specialized property, casualty, and accident & health insurance products, with a strong focus on aviation and marine.
Japan office Global Specialty RisksGen RE
A global reinsurer that provides capacity to other insurance companies.
Japan office Global Specialty RisksLLOYD’S
Operates as a specialist insurance market for complex risks.
Japan office Global Specialty RisksZurich
Provides life, health, property, and casualty insurance.
Japan office General & life providersPacific Life Re
The reinsurance division of Pacific Life, offering life, health, and longevity reinsurance solutions in markets across the globe.
Japan office Global Specialty RisksGard
A leading shipowner-controlled provider of P&I (Protection and Indemnity), marine, and energy insurance.
Japan office Global Specialty RisksHDI
A German-backed insurer with a strong international presence in industrial and commercial lines.
Japan office General & life providersManulife
Offers life insurance, annuities, and retirement solutions.
Japan office General & life providersHSBC
Provides life insurance and wealth protection plans for global banking clients.
Japan office Other Financial Institutions (Banks)ATHENE
A leading retirement services company specializing in fixed and fixed-indexed annuity products for income.
Japan office General & life providersAtradius
A global provider of trade credit insurance, surety, and collections services, helping businesses manage payment default risks.
Japan office Global Specialty RisksPacific Prime
A global insurance advisor and broker specializing in providing health insurance solutions for individuals, families, and corporations worldwide.
Japan office Insurance Brokers & Risk AdvisorsNavigating Insurance in Japan: FAQs for Expats
Here are answers to the most frequently asked questions about the Japanese insurance system.
1. Do foreigners have to get Japanese health insurance? Yes. All residents of Japan, including foreigners staying for three months or more, are required by law to be enrolled in a public health insurance plan. This is typically either the National Health Insurance (NHI) for students and the self-employed, or the Employees’ Health Insurance (EHI) for those employed by companies.
2. What does public health insurance (NHI/EHI) cover? Public insurance is excellent and typically covers 70% of most medical bills, including doctor visits, hospitalizations, and prescriptions. However, it does not cover everything. Services like routine dental check-ups, orthodontics, and childbirth are often not fully covered, which is why many residents purchase supplemental private insurance.
3. Is earthquake insurance necessary in Japan? It is highly recommended. Standard fire insurance policies in Japan do not cover damage from earthquakes, tsunamis, or volcanic eruptions. Earthquake insurance must be purchased as an optional rider to your fire insurance policy. Given Japan’s seismic activity, it is considered an essential protection for homeowners and renters.
4. What are the main types of private insurance available? Beyond health and earthquake coverage, common private insurance types include:
- Life Insurance: Provides financial security for your family.
- Car Insurance (Jidousha Hoken): Compulsory liability insurance is required, but most people add comprehensive policies.
- Personal Accident Insurance: Covers injury or death resulting from an accident.
- Cancer Insurance: Specialized policies to cover the high costs of cancer treatment.
5. Can I use my international insurance plan instead of a Japanese one? While an international plan can be excellent for covering the 30% gap left by public insurance or for accessing specific private clinics, it cannot replace your legal obligation to enroll in Japan’s public health system (NHI or EHI). Many expats use both for comprehensive protection.
Check out more insurers logos in Asian Insurance Companies Directory