代理店：株式会社オフィストゥーワン
募集文書番号：2511-KL08-H0221
メディカルKit NEO is a medical insurance provided by Tokio Marine Nichido Life Insurance that is also available to people working in Japan.
The Importance of Hospitalization Insurance and its Impact on Family
Since I work for a Japanese company, I’m covered by public health insurance, so I should be fine!
Many people might think so.
However, please understand why many people subscribe to medical insurance.
Current Hospitalization Costs: What Expenses are there?
The out-of-pocket expenses during hospitalization vary greatly depending on the treatment and the length of stay.
Regardless of nationality, even when using the High-Cost Medical Expense Benefit system, expenses not covered by insurance, such as private room charges and meal costs, are typically incurred.
Let’s understand the necessary expenses by referring to specific examples.
Hospitalization costs vary significantly depending on the type of illness and treatment method. In the case of cancer treatment, various treatments such as surgery, radiation therapy, and chemotherapy are required, each incurring costs.
Additionally, if the hospitalization period is extended, the costs will increase accordingly.
The High-Cost Medical Expense System is a system where the excess amount is refunded if the monthly medical expenses exceed a certain amount, but out-of-pocket expenses still occur even when using this system.
In particular, please note that private room charges and meal costs are entirely self-funded.
In addition to meal costs and private room charges, costs such as transportation expenses (including transportation expenses for family members visiting) as well as clothing and daily necessities are required.
Even with a hospital stay of fewer than 5 days, the average cost can be 101,000 yen.
Source: >>Tokio Marine Nichido Life Insurance<<
Many people are insured, taking such factors into consideration.
I got concerned because my friend was hospitalized.
Let’s ask someone in Japan~
This insurance provides the same coverage regardless of nationality, so you can rest assured.
Are Medical Insurance Costs High? (Internet Contract)
Premiums vary by age and gender. Please refer to the following.
| Age | Male | Female | Option |
|---|---|---|---|
| 25 years old | 1,224 yen | 1,359 yen | Can be added |
| 30 years old | 1,404 yen | 1,434 yen | Can be added |
| 35 years old | 1,609 yen | 1,529 yen | Can be added |
| 40 years old | 1,859 yen | 1,669 yen | Can be added |
Insurance premium calculation date: December 1, 2025
Insurance period/premium payment period: Lifetime (Advanced medical care rider is renewed every 10 years)
- Hospitalization coverage
When you are hospitalized due to illness or injury
Hospitalization benefit 5,000 yen per day x number of hospitalization days
>> Detailed hospitalization benefit coverage <<
- Coverage for surgery and radiation therapy
When you receive surgery or radiation therapy covered by public medical insurance or bone marrow extraction, during hospitalization that qualifies for disease or disaster hospitalization benefits
Bone marrow extraction 50,000 yen per occurrence
Surgery other than the above (outpatient) 25,000 yen per occurrence
>> Detailed surgery benefit coverage <<
Radiation therapy 50,000 yen per occurrence
>>Detailed radiation therapy benefit coverage<<
- Advanced medical care coverage
If you receive the prescribed advanced medical care under the public medical insurance system due to illness or injury, the same amount as the technical fee related to advanced medical care (payment limit: 20 million yen throughout the insurance period) will be guaranteed.
*The advanced medical care rider is renewed every 10 years, and the insurance premium may change.
>>Detailed advanced medical care rider coverage<<
- Death coverage
Death benefit
0 yen (Death benefit multiplier 0 times)
There is no death coverage
Options (Riders and Special Provisions) Can also be Added.
Please check each premium at the time of application.
- Initial hospitalization coverage special provision
Even for day hospitalization (1 day), 10 days’ worth of hospitalization benefits will be paid in a lump sum
When you are hospitalized for a specified period of 1 to 9 days due to illness or injury
Uniform 50,000 yen (can be paid even for one day of hospitalization)
* When you are hospitalized under the initial hospitalization coverage special provision (1 to 9 days of hospitalization), the hospitalization benefit of the main contract will be paid according to the number of days
- Unlimited payment days rider for hospitalization due to the three major diseases
When you are hospitalized for a specified period due to the three major diseases (cancer, heart disease (excluding hypertensive heart disease), cerebrovascular disease) and the payment days for disease hospitalization benefits reach the limit for one hospitalization or the total payment limit, the specified disease hospitalization benefit will be paid without a limit on the number of days
>>Detailed initial hospitalization coverage special provision<<
>>Detailed unlimited payment days rider for hospitalization due to the three major diseases<<
This option is recommended.
* The “Initial Hospitalization Coverage Special Provision” must be applied for together with the “Unlimited Payment Days Rider for Hospitalization Due to the Three Major Diseases.”
| Age | Male | Female |
|---|---|---|
| 25 years old | 350 yen | 375 yen |
| 30 years old | 400 yen | 400 yen |
| 35 years old | 470 yen | 440 yen |
| 40 years old | 555 yen | 495 yen |
- Outpatient rider
Coverage for outpatient visits before and after hospitalization due to illness or injury
When you make specified outpatient visits before hospitalization or after discharge due to illness or injury
3,000 yen per day x number of outpatient days
>>Detailed outpatient rider coverage<<
* If you choose the “Outpatient Rider,” you must apply for it together with the “Initial Hospitalization Coverage Special Provision” and the “Unlimited Payment Days Rider for Hospitalization Due to the Three Major Diseases.”
| Age | Male | Female |
|---|---|---|
| 25 years old | 213 yen | 255 yen |
| 30 years old | 234 yen | 291 yen |
| 35 years old | 297 yen | 312 yen |
| 40 years old | 384 yen | 348 yen |
- Female disease coverage rider
Comprehensive coverage for female-specific diseases and the three major diseases
When you are hospitalized for a specified period due to “specific diseases” including female-specific diseases and the three major diseases (cancer, heart disease (excluding hypertensive heart disease), cerebrovascular disease)
An additional hospitalization benefit of 5,000 yen per day x number of hospitalization days
When you undergo a mastectomy and breast reconstruction surgery for breast cancer (malignant neoplasm of the breast) (in situ neoplasms are not covered).
1 million yen per breast per occurrence
>>What are the “specific diseases” covered?<<
>>Detailed female disease coverage rider<<
* The “Female Disease Coverage Rider” is exclusively for women.
| Age | Female |
|---|---|
| 25 years old | 440 yen |
| 30 years old | 450 yen |
| 35 years old | 470 yen |
| 40 years old | 515 yen |
[Important] Customers who Can Apply Online
The customers who can apply online are as follows.
- Customers who are 20 years old or older at the time of application
- Customers currently residing in Japan
- Customers who have a credit card in their own name
The Following Credit Cards Can be Used.
Debit cards and prepaid cards are excluded.
Click below for a quote and application
Please be sure to refer to the “Pamphlet,” “Important Matters Explanation (Summary of Contract/Information on Attention Arousal),” and “Policy Booklet/Terms and Conditions” for details.
Frequently Asked Questions QA
Can I Pay the Insurance Premium with a Method other than a Credit Card?
Only credit cards in the name of the policyholder can be used.
Debit cards and prepaid cards cannot be used.
Also, the cards that can be used for application are as follows.
- JCB card
- MUFG card
- DC card
- NicoS card
- VISA card
- Master Card
- American Express
- Diners Club
Is it not Possible to Pay with a Credit Card in the Name of Someone other than the Policyholder?
Payment is only possible with a credit card in the name of the policyholder.
Is Medical Kit NEO a Term Insurance Product?
It is a term insurance product.
Medical Kit NEO does not have a surrender value throughout the insurance period.
This site is approved by Tokio Marine Nichido Life Insurance.
