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Japanese
Overseas Travel Insurance
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by: Steve
Cogger
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If
you are an expatriate planning
on long-term residence in
Japan you can, after a
one-year stay, become a part
of Japan's national health
program. Until that time,
however, you're going to need
Japanese overseas travel
insurance.
Some of the Japanese overseas
travel insurance options
include not only trip or
annual medical emergency
coverage for travel but also
disability insurance, personal
liability coverage and term
life insurance. Japanese
overseas travel insurance's
medical coverage with some
plans offers full (100
percent) reimbursement for
prescription medicine, medical
care for diagnostic purposes,
hospital stay and even
surgery. You'll also be
covered in case of terrorism
and an evacuation to your home
residence in the event of
medical or terrorist
emergency.
One firm whose Japanese
overseas travel plan we
perused offered coverage for
those over 80 years old,
difficult to find. The minimum
coverage time period for this
plan is one week (seven days)
with a one-year maximum,
although it can be renewed for
a total of three consecutive
years of coverage. Coverage
varies according to your age.
You must be at least two weeks
old for any coverage. If you
are under 70 years of age you
can choose coverage limits
that range from $50,000 to $1
million. Folks between 70 and
79 are excluded from coverage
that exceeds $50,000, while
those 80 or older can only be
covered to a maximum of
$10,000.
Let's look at a couple of
quotes to see the variation in
cost for age, children, number
of travelers, and
participation in sports. We'll
also look at the cost for non-U.S.
citizens. The first quote is
for a single U.S. resident
18-29 years of age traveling
along for one year and not
wanting the rider for sports
coverage. A $1 million ceiling
for Japanese overseas travel
insurance coverage, with a
$250 deductible, is $576.
Reducing the ceiling doesn't
seem like nearly as good a
deal - the premium is $504,
although increasing the
deductible to $1000 reduces
the cost to $403.20. That same
Japanese overseas travel
insurance coverage for non-U.S.
citizens is several hundred
dollars more.
For a couple both 30-39 years
old with two children
traveling with them, Japanese
overseas travel insurance does
not come cheap. Assuming U.S.
residence and a $500,000
ceiling with $500 deductible
the hefty price tag for this
coverage is $1814.40. While
this may seem excessive,
consider the cost of medical
coverage for one or more of
you, or for emergency
evacuation. You'll probably
come to the conclusion that
Japanese overseas travel
insurance is inexpensive as
compared to the alternative.
About the Author
Steve Cogger is an avid
traveler offering a wealth of
travel information. For more
information on travel
insurance visit http://www.1-Happy-Traveller.com
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Great Gifts
from Japan -
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Japanese
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The
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