Expat Japan Guide

Best Private Health Insurance for Foreigners in Japan (2025)

Japan’s national health insurance is good — but it doesn’t cover everything, and for foreigners with specific needs, the gaps matter. Private health insurance can fill those gaps, but the options vary enormously in coverage and value. Here’s how to evaluate what you actually need. Do You Actually Need Private Health Insurance? Let’s be real: national health insurance already covers 70% of most medical costs. For a lot of people, that’s enough. ...

May 25, 2026 · 4 min · Expat Japan Team