Cigna Global in Japan

Cigna Global in Japan

Cigna Global is one of the strongest international insurance options for Japan expats. With established relationships at English-speaking hospitals and dedicated care coordination, Cigna helps navigate Japan's excellent but Japanese-language healthcare system.

For expats who want comprehensive coverage with genuine support in English, Cigna delivers a premium experience that complements mandatory NHI enrollment.

Why Cigna for Japan

Hospital Network

Cigna has relationships with Japan's international hospitals:

• St. Luke's International Hospital: Direct billing, English-speaking staff
• Tokyo Medical and Surgical Clinic: Primary care in English
• International clinics: Throughout Tokyo, Osaka, major cities

Care Coordination

Cigna's Japan support includes:

• English-speaking assistance finding providers
• Help navigating Japanese healthcare system
• Translation and interpretation services
• Appointment scheduling assistance

Global Coverage

• Worldwide coverage when traveling
• US coverage available as option
• Medical evacuation if needed
• Coverage continues if you relocate

Plans and Pricing

Prices shown for healthy 40-year-old. Japan's high healthcare costs mean higher premiums than Southeast Asia.

Cost Factors

• Age: Significant increases after 50
• US coverage: Adding US increases premiums 30-50%
• Deductible: Higher deductibles reduce costs 20-30%
• Coverage area: Asia-only cheaper than worldwide

Coverage Details

What's Covered

• Inpatient: Hospital stays, surgery, ICU
• Outpatient: Doctor visits, specialists (Gold+)
• Emergency: Worldwide emergency coverage
• Evacuation: Medical evacuation if needed
• Cancer: Full treatment coverage
• Mental health: Coverage included

Limitations

• Pre-existing conditions: 2-year moratorium or underwriting
• Dental/vision: Optional add-on
• NHI still required for most visa categories

Who It's Best For

Long-term Expats

Those settling in Japan for years benefit from Cigna's care coordination and comprehensive coverage as a supplement to NHI.

Corporate Expats

Many companies provide Cigna as part of Japan expat packages. If offered, it's an excellent choice.

Those Wanting English Support

If navigating Japanese healthcare in Japanese feels daunting, Cigna's English-language support provides peace of mind.