Vivinavi : Los Angeles : (United States) Los Angeles

• 倍金萬
• 2018/12/13 (Thu) 10:24
• Report

Mr. Blue Hill,

Well, Blue Cross seems to work quite well in Japan. However, I still can't guess whether "two hospitals available in Japan" means that they are connected with two insurance companies in Japan, or they have contracts with two major general hospital organizations which may be located all over Japan, or they exist in only two places in Japan, even if they are general hospitals.


ashitano,

That policy looks a lot like the $70 Delta policy I raised, but I wonder how much it would cover under "accident and illness". At that price, it would probably only cover first aid or so. An old story, a friend of mine was a rich man and whenever he took a trip to Japan, he always bought a travel insurance policy that cost several hundred dollars a trip. He was unlucky enough to suffer from a disease that clogged a blood vessel near his heart, which was cured by laparoscopic surgery, and the insurance covered the cost of several million yen.

Even in the case of a traffic accident, depending on the size of the accident, without insurance, the cost of medical treatment could range from several hundred to several tens of millions of yen, which makes you think twice. But I can't afford to buy travel insurance that costs several hundred dollars when I am looking for something as low as a few ten dollars for a ticket. I guess I'll just have to trust my luck and go on as usual.

• ashitano
• 2018/12/14 (Fri) 08:29
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No, I am not that pessimistic. accident and illness has ＄ 50,000. if you have 5 million yen, you can at least manage there, and use your own insurance after you come back to the U.S. If you have 3 million yen, you can use the rest for treatment in Japan. If you spend 3 million yen for treatment in Japan, you can use the rest of the money for treatment in the US. Do not use your own insurance. Also, trip interruption is ＄ 5000. It's going to make sure that your trip will not be wasted.

• 倍金萬
• 2018/12/14 (Fri) 09:00
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＞ accident and illness comes with ＄ 50,000

that's a lot of money. I heard good things. Next time I go to Japan, I will check the accident and illness coverage before I buy it.

Also, I read again the email I received from medicare.gov yesterday, and it said that there is coverage for overseas travel, and if you have Medicare before June 1, 2010, you also have Medigap coverage, which works even outside the country. This is reliable information since I have been covered since before 06/01/2010. In reality, Medicine is covered under Plans C and D, so I'm going to go back and learn more about what Medigap is and how much Accident&Illness is covered overseas.

• tok84
• 2018/12/14 (Fri) 09:25
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Medicare supplement, gap, and advantage coverages are available from all insurance companies that cover treatment abroad. I know three people who went to an emergency room in Japan and were admitted to the hospital for surgery and hospitalization, but it is impossible to choose a medical facility with a contract in case of emergency.　They all received full reimbursement from the insurance company.　I imagine that if the facility has a contract with the insurance company, the insurance company will pay directly, and if not, you will have to pay for it yourself.

• 倍金萬
• 2018/12/17 (Mon) 09:57
• Report

tok84,

I am asking the same thing.

I have heard the same thing, that the expensive medical expenses in Japan are to be paid by the individual, and then the hospital will prepare a medical bill in English, and submit it to the insurance company here for review before payment. In my case, I am receiving Medicare assistance from Kaiser, so I will consult with Kaiser directly about Medigap.

Well, I don't want to have a serious illness in Japan, even if I can't escape from an unexpected accident in Japan. That said, I am traveling to Japan because I am looking forward to walking on my own feet all day long for weeks in Shikoku, so I am working hard to keep myself healthy on a regular basis for 365 days a year.