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Insurance in Japan: The Complete Guide for Foreigners (2025)

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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 Insurers
  • Health Insurance Providers
  • Specialty Insurers & Global Reinsurers
  • Insurance Brokers & Risk Advisors
  • Other Financial Institutions (Banks)
  • Other Financial Institutions (Motoring Clubs)
  • Retirement Savings

Navigating 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