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
Tokio Marine Holdings
A leading global insurer with a strong presence in property, casualty, and auto insurance.
Japan office General & Life InsurersMS&AD Group
A top Japanese insurer providing a wide range of property, casualty, and life insurance solutions.
Japan office General & Life InsurersSompo Holdings
A major Japanese property and casualty insurer offering diverse insurance products and risk management services.
Japan office General & Life InsurersNippon Life.
One of Japan's largest life insurers, offering a wide range of life and health products.
Japan office General & Life Insurers, Retirement SavingsSUMITOMO LIFE
A leading Japanese life insurer providing comprehensive individual, group, medical, and retirement insurance plans.
Japan office General & Life InsurersDAI-ICHI LIFE
A major Japanese insurer providing a diverse portfolio of life, health, and annuity products.
Japan office General & Life Insurers, Retirement SavingsJAPAN POST Insurance
A top Japanese life insurer offering simple, accessible policies through its vast post office network.
Japan office General & Life InsurersNow 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 InsurersAllianz Global Health
Part of the global Allianz Group, providing a wide range of car, home, business, and travel insurance products.
Japan office Health Insurance ProvidersMunich Re
Leading global reinsurer strengthening the Australian insurance industry with innovative risk transfer products.
Japan office Specialty Insurers & Global ReinsurersMetLife
A global provider of insurance, annuities, employee benefits, and asset management. It offers life, dental, disability, and retirement solutions to individuals and businesses.
Japan office General & Life InsurersSBI Holdings
A financial group offering various services, including a range of life and non-life insurance products.
Japan office General & Life InsurersSony Life Co., Ltd. Japanese Insurance Company
A Japanese insurer specializing in providing customized life insurance plans through its "Lifeplanner" consultants.
Japan office General & Life InsurersAsahi Mutual Life Ins. Co.
A Japanese mutual company providing a variety of life, medical, and long-term care products.
Japan office General & Life InsurersChubb
A global leader in property and casualty insurance, as well as accident and health, reinsurance, and life insurance. It serves a diverse group of clients, from individuals to large corporations.
Japan office General & Life InsurersAXA
A multinational insurance and asset management group offering a broad range of products, including life, health, property, and casualty insurance for personal and commercial clients.
Japan office General & Life InsurersSwiss Re
Offers reinsurance, risk transfer, and insurance solutions for life, health, and property sectors worldwide
Japan office Specialty Insurers & Global ReinsurersMapfre Re
The reinsurance unit of the Spanish insurance group Mapfre, providing reinsurance solutions to insurers globally.
Japan office Specialty Insurers & Global ReinsurersHannover Re
One of the world's leading reinsurance groups, providing property & casualty and life & health reinsurance.
Japan office Specialty Insurers & Global ReinsurersAON
A provider of property, casualty and financial lines insurance.
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 major bank offering straightforward home, car, and travel insurance, often 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 Specialty Insurers & Global ReinsurersAXA XL
The property & casualty and specialty risk division of AXA, dedicated to providing insurance and risk management products for large and complex global risks.
Japan office Specialty Insurers & Global ReinsurersAllianz 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 Specialty Insurers & Global ReinsurersPrudential 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 InsurersSTARR
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 Specialty Insurers & Global ReinsurersGen RE
A global reinsurance company and part of the Berkshire Hathaway group, offering a wide range of reinsurance products and services to other insurers.
Japan office Specialty Insurers & Global ReinsurersLLOYD’S
Operates as a specialist insurance market.
Japan office Specialty Insurers & Global ReinsurersZurich
A global multi-line insurer that serves customers in more than 215 countries and territories, offering a wide range of property, casualty, and life insurance products and services.
Japan office General & Life InsurersPacific Life Re
The reinsurance division of Pacific Life, offering life, health, and longevity reinsurance solutions in markets across the globe.
Japan office Specialty Insurers & Global ReinsurersGard
A leading shipowner-controlled provider of P&I (Protection and Indemnity), marine, and energy insurance.
Japan office Specialty Insurers & Global ReinsurersHDI
(Haftpflichtverband der Deutschen Industrie): A major German insurance group (part of Talanx) providing a broad range of insurance and financial services, with a strong focus on industrial and commercial clients.
Japan office General & Life InsurersManulife
A leading Canada-based international financial services group providing life and health insurance, retirement and investment solutions for individuals, groups, and institutions.
Japan office General & Life InsurersHSBC
Offers life and investment insurance tied closely with banking services.
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 InsurersAtradius
A global provider of trade credit insurance, surety, and collections services, helping businesses manage payment default risks.
Japan office Specialty Insurers & Global ReinsurersMarsh
A global leader in insurance broking and risk advisory. Part of Marsh McLennan, it provides services to commercial and individual clients.
Japan office Insurance Brokers & Risk AdvisorsCoface
A global leader in trade credit insurance, offering solutions to protect businesses against non-payment of their commercial debts.
Japan office Specialty Insurers & Global ReinsurersPacific 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