Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, where he focuses on helping people compare health plans for life abroad. He emphasizes clear information, neutral analysis, and practical decision support.
IMG Global in Japan
IMG Global offers a strong middle ground between budget travel insurance and premium international plans. For Japan expats who want comprehensive coverage without top-tier prices, IMG delivers solid value.
With flexible options and competitive pricing, IMG works well as a supplement to mandatory NHI for expats seeking English-language care options.
$180-280
Monthly (Age 40)
Flexible
Customizable plans
Good Value
Competitive pricing
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Flexible coverage at competitive prices.
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Why IMG for Japan
Price-Performance Balance
IMG sits between budget options and premium insurers—comprehensive coverage at reasonable prices for Japan's higher-cost market.
Plan Flexibility
- Multiple deductible options ($0 to $25,000)
- Regional or worldwide coverage
- Annual or semi-annual payments
- Add or exclude specific benefits
Hospital Access
- Coverage at international hospitals in Japan
- Access to English-speaking facilities
- Worldwide network for travel
Plans and Pricing
| Plan | Coverage | Price (Age 40) |
|---|---|---|
| Global Medical Insurance | Inpatient + outpatient | $180-230/mo |
| Global Medical Insurance Plus | Comprehensive | $230-280/mo |
Prices shown for healthy 40-year-old. Higher deductibles can reduce premiums significantly.
Coverage Details
What's Covered
- Inpatient: Hospital stays, surgery, ICU
- Outpatient: Doctor visits, specialists
- Emergency: Worldwide emergency coverage
- Evacuation: Medical evacuation included
- Prescriptions: Outpatient medications
- Mental health: Coverage with limits
Limitations
- Pre-existing conditions: 12-month exclusion
- Maternity: Optional, requires waiting period
- Less Japan-specific support than Cigna/BUPA
Who It's Best For
Cost-Conscious Expats
Those wanting comprehensive coverage without premium prices find IMG hits the sweet spot.
Medium-term Stays
For 1-5 year Japan stays, IMG provides appropriate coverage without long-term premium commitments.
Self-Sufficient Expats
If you don't need extensive hand-holding and are comfortable managing some things independently, IMG offers good value.
Compare IMG Plans for Japan
Find flexible coverage at the right price.
Get QuoteWe may earn a commission when you apply through our links. This does not affect our recommendations.
Disclaimer: Prices and coverage details are estimates. Get a personalized quote for accurate pricing.
