Tokio Marine Medical Insurance

by Tokio Marine & Nichido

★★★★☆4.3(4,200 reviews)

Tokio Marine & Nichido is Japan's oldest and one of its largest insurance groups with a heritage exceeding 150 years. While primarily a property and casualty insurer, its supplemental medical insurance products are highly regarded for international coverage and institutional reliability.

Monthly Premium

¥2,500 - ¥10,000/month (supplemental, age-dependent)

Deductible

¥0 - ¥30,000 depending on plan

Coverage Type

standard

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Coverage Details

✓Hospitalization

✗Outpatient Care

✗Dental

✗Vision

✗Mental Health

✗Maternity

✗Prescription Drugs

✓Emergency Care

✓International Coverage

✗Telehealth

Pros

✓Exceptional brand trust built over 150 years
✓Strong international coverage — useful for business travellers
✓Comprehensive supplemental medical products
✓Excellent financial strength ratings

Cons

✗Health insurance is secondary to P&C focus
✗Less specialised health product range than Nippon Life or Aflac
✗Limited English-language customer service

Editorial Review

“Tokio Marine's 150+ year heritage and dominant position in Japanese property and casualty insurance translate into exceptional financial security for its health insurance policyholders. For Japanese business travellers and expatriates, its international emergency coverage is one of the most reliable products in the market.”

— pacificprime.com Top Japan Insurance Companies Expats; insurancejapans.exblog.jp Top Life Insurance Japan