Allianz Care in Japan

Allianz Care in Japan

Allianz Care offers strong value for Japan expats—comprehensive international coverage at prices 10-20% below premium competitors. As one of the world's largest insurers, Allianz brings financial stability and global reach.

For expats seeking quality coverage to supplement mandatory NHI without top-tier pricing, Allianz delivers good balance.

Why Allianz for Japan

Price-to-Coverage Ratio

Allianz typically costs 10-20% less than Cigna or BUPA for comparable coverage—meaningful savings over time in Japan's high-cost insurance market.

Hospital Access

• Access to international hospitals in Tokyo, Osaka
• Coverage at St. Luke's and other English-speaking facilities
• Direct billing at network hospitals

Flexible Plans

• Multiple coverage tiers
• Adjustable deductibles
• Optional add-ons for dental, vision
• Regional or worldwide coverage

Plans and Pricing

Prices shown for healthy 40-year-old. Actual premiums depend on age, health, and coverage choices.

Coverage Details

What's Covered

• Inpatient: Hospital stays, surgery, ICU, cancer
• Outpatient: Doctor visits, specialists (Classic+)
• Emergency: Worldwide emergency coverage
• Evacuation: Medical evacuation and repatriation
• Mental health: Coverage with limits

Limitations

• Pre-existing conditions: Moratorium or underwriting
• Maternity: Waiting period, optional
• Less Japan-specific support than Cigna/BUPA

Who It's Best For

Value-Conscious Expats

Those who want comprehensive international coverage without premium prices.

Long-term Residents

Allianz's competitive pricing makes it sustainable for extended Japan stays.

Self-Sufficient Expats

If you're comfortable navigating some things independently and don't need extensive hand-holding, Allianz provides excellent coverage at better value.