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For our health insurance, you can be paid overseas medical expenses to cover certain overseas medical care costs if you apply with the Health Insurance Society at a later date. However, this does not mean that all the incurred medical care costs will be covered by these overseas medical expenses.
When calculating overseas medical expenses to be paid in connection with medical care costs incurred overseas, the calculation is based on the medical care costs that would be rendered under health care services covered by Japanese health insurance. Because health care services in Japan are cheap compared to many other countries, there is a strong possibility of the service costing less in Japan. For example, even if the overseas medical care cost amounts to 200,000 or 300,000 yen, the same service might only cost around 15,000 yen in Japan.
We therefore recommend signing up for overseas travel insurance instead of relying on overseas medical expenses.