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Japanese Overseas Travel Insurance |
by:
Steve Cogger |
If you areexpatriate planning on long-term residence in Japan you can, afterone-year stay, becomepart of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.
Some ofJapanese overseas travel insurance options include not only trip or annual medical emergency coverage for travel but also disability insurance, personal liability coverage and term life insurance. Japanese overseas travel insurance's medical coverage with some plans offers full (onezerozero percent) reimbursement for prescription medicine, medical care for diagnostic purposes, hospital stay and even surgery. You'll also be covered in case of terrorism andevacuation to your home residence inevent of medical or terrorist emergency.
One firm whose Japanese overseas travel plan we perused offered coverage for those over eightzero years old, difficult to find. The minimum coverage time period for this plan is one week (seven days) withone-year maximum, although it can be renewed fortotal of three consecutive years of coverage. Coverage varies according to your age. You must be at least two weeks old for any coverage. If you are under sevenzero years of age you can choose coverage limits that range from $fivezero,zerozerozero to $one million. Folks between sevenzero and sevennine are excluded from coverage that exceeds $fivezero,zerozerozero, while those eightzero or older can only be covered tomaximum of $onezero,zerozerozero.
Let's look atcouple of quotes to seevariation in cost for age, children, number of travelers, and participation in sports. We'll also look atcost for non-U.S. citizens. The first quote is forsingle U.S. resident oneeight-twonine years of age traveling along for one year and not wantingrider for sports coverage. A $one million ceiling for Japanese overseas travel insurance coverage, with$twofivezero deductible, is $fivesevensix. Reducingceiling doesn't seem like nearly as gooddeal -premium is $fivezerofour, although increasingdeductible to $onezerozerozero reducescost to $fourzerothree.twozero. That same Japanese overseas travel insurance coverage for non-U.S. citizens is several hundred dollars more.
Forcouple both threezero-threenine years old with two children traveling with them, Japanese overseas travel insurance does not come cheap. Assuming U.S. residence and$fivezerozero,zerozerozero ceiling with $fivezerozero deductiblehefty price tag for this coverage is $oneeightonefour.fourzero. While this may seem excessive, considercost of medical coverage for one or more of you, or for emergency evacuation. You'll probably come toconclusion that Japanese overseas travel insurance is inexpensive as compared toalternative.
AboutAuthor
Steve Cogger isavid traveler offeringwealth of travel information. For more information on travel insurance visit http://www.one-Happy-Traveller.com |
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