🏙️Cigna Global · Tokyo, Japan

Cigna Global Expat Health Insurance in Tokyo

International health coverage built for expats living in Tokyo. Comprehensive, portable, and accepted at major hospitals across Japan and worldwide.

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Hospital Cost/Day

$2,200

Evacuation Cost

$15,000–$35,000

Expat Community

Finance, tech, education, and diplomatic expats

Healthcare & Expat Life in Tokyo

Tokyo has outstanding healthcare. Expats must enroll in National Health Insurance; Cigna Global supplements with English-language doctor access and global coverage.

Finance, tech, education, and diplomatic expats. Asia's most expensive city but exceptional quality of life.

Why Expats in Tokyo Choose Cigna Global

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Globally Portable

Coverage that travels with you beyond Tokyo — across Asia and worldwide.

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Direct Billing

No upfront payment at network hospitals. Cigna bills the facility directly.

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Evacuation Included

Emergency evacuation coverage worth $15,000–$35,000 included in all plans.

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24/7 Support

Emergency assistance in multiple languages, available any time in Tokyo.

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Annual & Renewable

Built for long-term expat living, not short trips. Annual renewable with no lock-in.

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Visa Compliant

Meets health insurance requirements for most visa types in Japan.

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Cigna Global's quote tool takes under 5 minutes. Enter your age, the coverage area you need, and your preferred plan tier.

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Frequently Asked Questions

Do I need international health insurance to live in Tokyo?▼

Yes — and for most visa types it is legally required. Tokyo has outstanding healthcare. Expats must enroll in National Health Insurance; Cigna Global supplements with English-language doctor access and global coverage. Local health insurance in Japan typically covers citizens and permanent residents, not temporary visa holders. Cigna Global's international plans are designed specifically for people living abroad and accepted by most Japan visa authorities.

How much does Cigna Global cost for expats in Tokyo?▼

Pricing varies by age, plan tier, and coverage area. For a healthy adult under 40 in Tokyo, expect to pay approximately $100–$300/month for a solid Gold plan. Senior expats (55+) can expect $300–$600/month. Adding dental, vision, or maternity increases the premium. Get an exact quote through our Cigna Global affiliate link.

Is Cigna Global accepted at hospitals in Tokyo?▼

Cigna Global has a direct billing network that spans thousands of hospitals across Asia and worldwide. At network hospitals, they bill Cigna directly — you don't pay out of pocket. For out-of-network care, you pay and submit a reimbursement claim. Cigna Global's 24/7 assistance team can recommend network providers near you in Tokyo.

What is the medical evacuation cost from Tokyo?▼

Emergency medical evacuation from Japan can cost $15,000–$35,000 depending on the situation. If you need care not available locally, Cigna Global coordinates and pays for medically necessary evacuation to the nearest appropriate facility. This is included in all Cigna Global plans — not an add-on.

Does Cigna Global cover pre-existing conditions in Tokyo?▼

Coverage for pre-existing conditions varies by plan tier and the nature of the condition. When you apply, Cigna Global will request a medical history and may offer full coverage, coverage with exclusions, or a waiting period for specific conditions. For stable, well-managed conditions, many applicants receive full or near-full coverage. Complete honesty at application is required — non-disclosure voids coverage.

Can I keep my Cigna Global plan if I move from Tokyo to another country?▼

Yes — portability is one of Cigna Global's most important advantages. If you move from Tokyo to another city or country, your policy follows you. Update your residence country and Cigna adjusts your network and pricing accordingly. For internationally mobile professionals, this eliminates the need to obtain new health insurance every time you relocate.

Written by Ty Taylor

Licensed Travel Insurance Advisor · Texas License #2608479TX

Tower Hill Travel Insurance · 60,000+ clients insured · 151 countries covered

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Cigna Global — Tokyo

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