Public coverage, migrant eligibility, and private insurance options.
National Health Insurance (Kokumin Kenko Hoken) + Employment Insurance
Japan has universal health insurance. Employees are enrolled in Shakai Hoken (Social Health Insurance) through their employer, covering 70% of medical costs. The patient pays 30% out-of-pocket (co-payment).
All residents — including visa holders — must enroll in the health insurance system. Employed workers are automatically enrolled via their employer. Self-employed or unemployed residents join the National Health Insurance (Kokumin Kenko Hoken) through their local municipality. Annual premium varies by income.
Private supplemental insurance (Seimei Hoken) covers the 30% co-payment gap and dental. Average cost: JPY 3,000–8,000/month. Insurers: Sony Life, Meiji Yasuda, Japan Post Insurance.
Common provider examples
Examples from the sourced guide; compare coverage independently.
Official source
Verified: March 2025
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