|Practical, low-cost accidental and medical insurance while in Japan. Solid Japanese insurance for foreign students, teachers, executives, tourists and temporary residents. Medical, life, accidental and rescue insurance all in one policy for non-Japanese citizens. Fully licensed and rated — expatriate company — 60 years in Japan.
MedOne Plan Overview
Who is Eligible?
What is Covered?
What is NOT covered?
How Much Does it Cost?
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Terms of Service
|Frequently Asked Questions
Q. What do I have to do to apply for MedOne insurance?
A: It's as easy as 1-2-3! First, fill out and submit the online application (the vast majority of applications are approved). Next, submit the required premium payment. Then, sign and return the Proposal form that we'll send out to you. When we receive that form back from you, your Certificate of Insurance will be mailed to you. What could be easier?
Q. What medical procedures and expenses will MedOne pay for?
A: Having very few exclusions, your MedOne policy will cover 100% (that means no deductible and no co-payments) of almost all of the expenses you're likely to incur, including in- and outpatient care, surgery, doctor bills, prescriptions, emergency care, secondary expenses and much, much more. With MedOne you truly have a quality, comprehensive medical insurance plan.
Q. How quickly can I get insurance coverage to go into effect?
A: In most cases in less than a week.
Q. I'll only be in Japan for a few months, so I don't need coverage for a whole year. Can I get a shorter term?
A: Absolutely! Three- and six-month plans are also available. And they're not stripped-down versions of the yearly plan; you'll still receive MedOne's full comprehensive coverage -- just for a shorter term. (As a matter of fact, all MedOne plans -- Bronze, Silver and Gold -- have identical coverages; only their upper limits differ.) We know that people have different circumstances, and you may not need a full year's coverage, or you simply may not be able to afford a year term right now. We make it possible for you to buy just the amount of insurance that's right for you. Remember, we're expatriates too, and we understand the needs and challenges of expatriates here in Japan.
Q. Can I insure my family too?
A: Yes, you can get coverage for yourself and your dependents. However, we do not accept applicants who are Japanese citizens.
Q. Am I limited in where I can use this insurance?
A: Not at all; you can use your MedOne coverage at any doctor's office, clinic or hospital in Japan. The only exception is the John Hopkins Clinic in Tokyo.
Q. Who's the underwriter?
A: The plan is underwritten by NIA.
Q. Does MedOne cover loss of life?
A: Yes, MedOne will pay the full benefit of the Plan chosen (Bronze, Silver or Gold) in the event of an Insured's death due to an accident or covered illness. It will also pay a certain percentage of the Plan's full benefit for permanent disability.
Q. What's the 'ClientZone?'
A: The ClientZone gives you access to your own administration panel where you'll be able to manage your MedOne policy. Once your insurance coverage starts, simply log in to your personal ClientZone to update your profile, download claim forms and renew your coverage.
Q. How do I file a claim for medical expenses?
A: Simply fill out a claim form and mail it to us along with your original receipts for eligible medical expenses. Most claims are usually handled within two to three weeks.