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Topic

Is there any insurance I should buy in Japan ？?

Question
#1
  • Pink Lion
  • mail
  • 2023/09/30 17:00

I heard that most of the insurance policies available in the U.S. allow you to pay the full cost of the insurance once you apply for it,
and then pay the fee that will cover you later.

I heard that there is an insurance in Japan that can cover the co-payment
If you have such an insurance, please let me know.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#2


If so, then the insurance coverage varies from policy to policy, but it does not mean that you have to pay the full amount of your own insurance.
Full co-pay is for people who do not have insurance, for example.
There are usually three types of insurance, （ a doctor ） who is like the first clinic you see when you decide on a family doctor,
ophthalmology, and dentistry, so if you are living here, which one is the insurance you want to buy?
And by insurance that you can get in Japan, do you mean travel insurance or something like that ？
（ Travel insurance had a duration or something, right? ）
I don't know what you want to use the insurance for, so I think it is difficult to answer your question
if you don't have a clear idea of what you intend to use the insurance for.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#3

You say "enrolled in the US," but the insurance situation is quite different between Hawaii and the mainland US, so I don't think we can have a blanket discussion about the US.
I have HMSA's Medicare Advantage ™ (PPO ™) insurance here in Hawaii, but usually a family doctor, specialist, or even a dentist will see you first and send you a bill afterwards that takes your insurance coverage into consideration. Lab tests （ X － Ray or blood tests ） also get billed later. As far as I know, the only people who have to pay the full amount out-of-pocket at the time of the medical exam are those who do not have insurance here, as Halo mentioned.
For travelers from Japan who have travel insurance when they leave Japan, I think it is common for them to pay the full amount here at one time and receive payment for the portion covered by their insurance after they return home. However, there are some travel abroad insurance policies that sell "cashless ・ medical services," so in the case of such policies, you will not have to pay the co-payment.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

#4
  • Pink Lion
  • 2023/10/01 (Sun) 20:34
  • Report

＞ Halo and SJDummy

Thanks for the detailed explanation.
I understand now. I am relieved to know that my employer will provide HMSA insurance and I will be charged the amount after the insurance coverage.
I was suddenly concerned when I heard someone say that even if you have HMSA or other insurance provided by the company, you have to pay the full amount once you get it. If that is not the case, I am relieved. Thank you for your response.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

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