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Free Choice to Petition Japanese Government for Right to Choose Private Health Insurance in Lieu of Japan's Universal Health Care
Date:9/1/2009

from the time that they originally register their address with the local ward or city office. This means that a foreigner who has been living in Japan for a number of years would (if he or she needed to enroll) have to pay back premiums in order to comply with the Immigration Bureau's new guideline for visa renewal. "That could mean paying for up to 2 or 3 years of back premiums, something many expats simply would not be able to afford to do," said Ronald Kessler (59), chairman of Free Choice and 30-year resident of Japan.

Many expatriates never initially enrolled in Japan's public health care system because they were unaware that it was a compulsory. Additionally, many foreigners currently have private or international health insurance due to the fact that they live in more than one country, or they live in one country for a few years and then move to another country, carrying with them the same insurance plan. Not coincidentally, these private insurance plans typically provide benefits for situations important to expats - situations that the public insurance programs do not address.

Such benefits include, for example, payment for services by international clinics and foreign doctors in Japan, payment of the cost of repatriation of remains in the event of death, payment for drugs not covered by the public plans, medical evacuation, and comprehensive coverage in other countries. Many expatriates prefer to visit foreign doctors practicing medicine in Japan rather than Japanese doctors because they can communicate better in English, thus lessening the chance of any misunderstandings and, hence, misdiagnosis.

"The public health plans were created with the Japanese citizen in mind and do not take into consideration the vast difference in lifestyles of foreigners," said Kessler. "We understand that the Immigration Bureau is concerned that foreigners have insurance in the event they become seriously ill or injured.
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Free Choice to Petition Japanese Government for Right to Choose Private Health Insurance in Lieu of Japan's Universal Health Care
Free Choice to Petition Japanese Government for Right to Choose Private Health Insurance in Lieu of Japan's Universal Health Care
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