JET Health Insurance
We are all enrolled in the national health insurance system of Japan. You will soon receive a salmon-colored card. If ever you need treatment, take it with you, and you will only have to pay 30% of the bill – if possible check beforehand that the hospital in question accepts the insurance, because not everywhere does. The national health insurance also covers a portion of treatment given abroad, HOWEVER, you may make a claim ONLY if treatment abroad is unavoidable. Also, the amount paid for by the national health insurance is (technically) calculated as 70% of what the same treatment would cost in Japan. The Japanese government employs some ridiculous way of calculating this, however, and the actual amount usually winds up being only 30-40% of expenses. As JETs we are also covered by Tokio Marine & Nichido Fire Insurance Co.; Ltd. Tokio Marine & Nichido Fire Insurance Co. covers us for trips we make abroad (covers expenses for the medical treatment of illness or injury sustained in an accident that occurred during the period of coverage). You should have received a purple book in Tokyo entitled “JET Programme Participant Accident Insurance Policy Guide” that explains this insurance. It also covers the 30% deductible that we have to pay when we use our national health insurance card. However, dental and certain other types of medical treatment are not covered by the Tokio Marine & Nichido Fire Insurance Co insurance. Also, it does not cover spouses or anyone other than the insured JET. Please consult the purple book to see what is and is not covered. Also, do not call the PAs about the Tokio Marine & Nichido Fire Insurance Co. insurance. If you need any assistance while processing a claim please call Tokio Marine & Nichido Fire Insurance Co.'s Helpline: 0120-881-018 M-F 9-17 or 0120-529-955 at times other that those previously listed, or CLAIR's JET Line at 03-3591-5489.
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