Die meisten Visa für digitale Nomaden machen eine Krankenversicherung zur Bedingung für die Genehmigung — und beim Japan DN ist das nicht anders. Hier steht genau, was verlangt wird, welche Tarife die Anforderung plausibel erfüllen und was Sie vor dem Abschluss prüfen sollten.
Die Anforderung
- Versicherung
- Erforderlich (ausdrücklich)
- Mindestdeckung
- €53,999
- Erforderlich für
- Gesamte Visumsdauer
Private medical (travel) insurance is an explicit statutory requirement, set out on the ISA program page and outline PDF, in ISA Q&A A10, on the MOFA visa page and in the Consulate-General of Japan in Chicago requirements PDF. The policy must cover death, injury and illness incurred during the stay in Japan. Cover for medical treatment of injury or illness must be at least JPY 10,000,000 (about EUR 53,999 at the ECB rate of 185.19 JPY/EUR, 2026-06-10); death cover must include repatriation of remains or a death benefit, with no minimum amount stipulated. The insurance period must correspond to the entire planned stay in Japan. Credit-card-attached insurance is accepted if documentation proves the required coverage. An accompanying spouse or child may rely on family coverage under the nomad's policy, with proof of the coverage scope; every applicant, including each family member, must evidence cover. Public health insurance is not an accepted option: per ISA Q&A A10, digital nomads are not mid/long-term residents, receive no residence card and cannot enroll in Japan's public medical insurance. Proof documents are the insurance enrollment certificate plus the policy terms and conditions, together with ISA's 'Explanation of Coverage under Private Medical Insurance' form.
Tarife, die die Anforderung erfüllen
Sortiert nach Passung zur Anforderung, dann nach Preis. Der Qualifikationsstatus wird je Tarif angezeigt — prüfen Sie immer doppelt, dass die Police mit dem Wortlaut des Konsulats übereinstimmt, bevor Sie den Antrag stellen.
True Traveller Single Trip / Backpacker & Annual Multi-Trip (tiers: True Value, Traveller, Traveller Plus)
Likely qualifyingTrue Traveller, underwritten by Inter Partner Assistance S.A. (AXA Group) · Long-stay travel insurance
EUR 10,000,000 medical AND repatriation cover on all tiers with single-trip duration up to 548 days clearly exceeds the JPY 10M (~EUR 53,999) medical minimum and covers the death/repatriation element for the full 6-month stay, though the product is only sold to UK/EEA/European residents or citizens.
- Medical and repatriation cover of EUR 10m (UK edition GBP 10m) per person on every tier, underwritten by Inter Partner Assistance S.A., AXA Group
- Long-stay single-trip cover up to 548 days (731 days Worldwide incl. USA/Canada) and can be bought or extended after leaving home (48-hour waiting period applies)
- 92 sports and activities covered as standard, with optional Adventure, Extreme and Ultimate activity packs
from — /mo
View plans (opens in a new tab)APRIL International Care France (health risk insured by Groupama Gan Vie; assistance/personal liability by CHUBB European Group SE) · International health insurance
International health type is explicitly accepted, every tier carries at least EUR/USD 500,000 (Japan-specific caps of EUR 2M/4M on top tiers) and hospitalisation plus medical evacuation/repatriation are covered at 100% on all tiers, satisfying both the EUR 53,999 medical minimum and the death/repatriation element on annual policies covering the 6-month stay.
- Four plan tiers with annual limits from EUR/USD 500,000 (Explore) up to unlimited (Extensive/Elite; capped at EUR/USD 2M-4M for treatment in China, Hong Kong, Japan, Singapore, USA)
- Enrollment from age 10 up to 74 in most countries; one-year contract with automatic renewal
- Hospitalisation, medical evacuation and cancer treatment at 100% on all tiers, with hospital direct billing and free unlimited 24/7 telehealth (Teladoc)
from €52 /mo
View plans (opens in a new tab)Genki UG (policyholder/agent); underwritten by Squarelife Insurance AG, Liechtenstein · Long-stay travel insurance
EUR 1,000,000 overall travel-medical limit per one-year insurance period far exceeds the EUR 53,999 minimum and the accepted travel type for a 6-month stay, but the researched facts do not confirm a death benefit or repatriation-of-remains benefit, which the ISA explicitly requires.
- Up to EUR 1,000,000 medical coverage valid in every country for up to 12 months, with monthly billing and cancellation possible after the first month
- Sign-up is possible while already abroad and up to age 69; insurance certificate for visa applications and border checks is issued immediately after the first payment
- 24/7 emergency assistance (MCI Assist) with direct payment for inpatient hospital stays and no deductible on inpatient treatment
from €63.90 /mo
View plans (opens in a new tab)SafetyWing (underwritten by SafetyWing Insurance I.I., Puerto Rico; Complete health portion by VUMI Group I.I.) · Nomad subscription
Essential's USD 250,000 (EUR 216,657) limit exceeds the EUR 53,999 medical minimum and the subscription model can run for the entire 6-month stay, but death/repatriation-of-remains cover is not documented in the facts and SafetyWing itself states it cannot guarantee acceptance by every visa authority.
- Subscription model: Essential auto-extends every 28 days (5-364 days per policy) and can be bought while already abroad; coverage in 170+ countries
- No deductible on either plan; Essential also includes travel benefits (lost checked luggage, trip interruption, evacuation from local unrest)
- Complete is full health insurance (USD 1.5M/year) including routine and preventive care, mental health, cancer treatment and limited maternity; renewable for life if enrolled before age 64
from €54.36 /mo
View plans (opens in a new tab)World Nomads (nib Travel Services; EU product manufactured by Collinson Insurance Europe Ltd) · Long-stay travel insurance
Emergency medical limits from USD 125,000 (US residents) up to EUR 10M (EU Explorer) all exceed the EUR 53,999 minimum and policies run up to 12 months covering the 6-month stay, but death/repatriation-of-remains cover is not stated in the facts and benefits vary materially by country of residence.
- Can be bought or extended while already abroad (waiting period applies, e.g. 72 hours on EU policies bought mid-trip); max policy duration 12 months for EU residents
- EU-resident plans carry high emergency medical limits: 5M EUR (Standard) / 10M EUR (Explorer), incl. evacuation and repatriation
- Covers 150+ adventure sports and activities; Explorer adds more activities and higher sub-limits
from — /mo
View plans (opens in a new tab)Cigna Global Health Options – International Health Plans (Silver / Gold / Platinum)
Needs verificationCigna Healthcare (Cigna Global Insurance Company Limited) · International health insurance
Silver's USD 1M / EUR 800k annual maximum far exceeds the EUR 53,999 minimum on an accepted international-health product with annual periods of cover, but evacuation/repatriation (the closest match to the required death/repatriation-of-remains cover) is only an optional paid module that the applicant would need to add.
- Three core tiers with annual maximums of $1M/€800k (Silver), $2M/€1.6M (Gold) and paid-in-full with no overall cap (Platinum)
- No upper enrollment age (18+); insurer states it does not terminate policies based on age
- Modular design: outpatient, evacuation & crisis assistance, health & wellbeing, vision & dental can be added; deductibles ($0-$10,000) and cost shares (0-30%) reduce the premium
from — /mo
View plans (opens in a new tab)Foyer Global Health S.A. (Foyer Group, Luxembourg) · International health insurance
Unlimited inpatient cover with no annual cap on all plans trivially exceeds the EUR 53,999 minimum on an accepted international-health product, but the facts do not mention death/repatriation-of-remains cover and the 12-month minimum contract forces over-buying for a 6-month visa stay.
- No overall annual or lifetime limit on core medical cover in all three plans; unlimited inpatient benefits confirmed on the official plan comparison
- Insurer FAQ explicitly confirms cover in the home country as well as the country of expatriation; worldwide or worldwide-ex-USA regions
- Luxembourg-regulated insurer (Foyer Group); 24/7 medical assistance, evacuation, teleconsultation and second medical opinion included in all plans
from €80 /mo
View plans (opens in a new tab)Einige Links sind Affiliate-Links — siehe unsere Offenlegung. Die Rangfolge richtet sich nach der Passung zur Anforderung, niemals nach Provisionen.
Was Sie vor dem Abschluss prüfen sollten
- 📄Der Wortlaut der Bescheinigung entspricht der Visa-Anforderung — nennt das Land und den Deckungszeitraum ausdrücklich.
- 💶Die Deckung erreicht oder übertrifft das Minimum von €53,999.
- 🚑Notfallbehandlung, Krankenhausaufenthalt und medizinischer Rücktransport sind alle eingeschlossen.
- 📅Die Police läuft über den gesamten Aufenthalt, für den Sie den Antrag stellen — viele Reiseversicherungen begrenzen die Reisedauer.
- 🌍Sie sind tatsächlich berechtigt, sie abzuschließen (manche Tarife verkaufen nur an Personen mit Wohnsitz in der EU/UK/USA).
- 🤝Sie passt dazu, wie die Versorgung vor Ort funktioniert — siehe die Seite zum Gesundheitssystem.
Versicherung für das DN: FAQ
Versicherung für das DN: FAQ
Ist eine Krankenversicherung für das Japan DN verpflichtend?
Erforderlich (ausdrücklich). Private medical (travel) insurance is an explicit statutory requirement, set out on the ISA program page and outline PDF, in ISA Q&A A10, on the MOFA visa page and in the Consulate-General of Japan in Chicago requirements PDF. The policy must cover death, injury and illness incurred during the stay in Japan. Cover for medical treatment of injury or illness must be at least JPY 10,000,000 (about EUR 53,999 at the ECB rate of 185.19 JPY/EUR, 2026-06-10); death cover must include repatriation of remains or a death benefit, with no minimum amount stipulated. The insurance period must correspond to the entire planned stay in Japan. Credit-card-attached insurance is accepted if documentation proves the required coverage. An accompanying spouse or child may rely on family coverage under the nomad's policy, with proof of the coverage scope; every applicant, including each family member, must evidence cover. Public health insurance is not an accepted option: per ISA Q&A A10, digital nomads are not mid/long-term residents, receive no residence card and cannot enroll in Japan's public medical insurance. Proof documents are the insurance enrollment certificate plus the policy terms and conditions, together with ISA's 'Explanation of Coverage under Private Medical Insurance' form.
Welche Mindestdeckung ist erforderlich?
Die veröffentlichte medizinische Mindestdeckung beträgt €53,999, erforderlich für: gesamte visumsdauer.
Kann ich eine normale Reiseversicherung nutzen?
Eine Reisekrankenversicherung für Langzeitaufenthalte gehört für dieses Programm zu den anerkannten Typen, solange sie die Mindestdeckung für den gesamten erforderlichen Zeitraum erfüllt.
Quellen
- Government ISA - Status of Residence of 'Designated Activities' (for Digital Nomad / Spouse or child of Digital Nomad) - income, stay, application procedure (opens in a new tab) accessed 2026-06-10
- Government ISA Digital Nomad page - insurance requirement (private medical travel insurance, JPY 10M medical treatment cover, policy period = entire planned stay) (opens in a new tab) accessed 2026-06-10
- Government ISA chart of eligible countries/regions for Digital Nomad (No. 53, 51 countries/regions) and Spouse/Child (No. 54) (opens in a new tab) accessed 2026-06-10
- Government Guideline for Japan's Pre-Entry Tuberculosis Screening (ISA/MOFA/MHLW, 2024-12-26, revised 2025-02-19) - explicitly applies to Designated Activities Notifications No. 53/54; Philippines/Nepal mandatory from 2025-06-23, Vietnam from 2025-09-01, Indonesia/Myanmar/China to be scheduled (opens in a new tab) accessed 2026-06-10
- Government ISA white paper data section - acceptance of digital nomads from 2024-03-31; requirements: visa-exempt + tax-convention nationality, annual income >= JPY 10M, max 6 months (opens in a new tab) accessed 2026-06-10
- Law firm Fragomen - Japan Digital Nomad Visa now available (states effective 2024-03-29) (opens in a new tab) accessed 2026-06-10