JEES (Japan Educational Exchanges and Services)
JEES Inbound Futai-Gakuso
Japan's standard top-up for international students — covers liability, medical co-pays, and rescue expenses on top of NHI
At a glance JEES (Japan Educational Exchanges and Services)
FromFrom ¥11,500–2,240/yr
Visa Compliant Yes
Last updatedOctober 1, 2026
01Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Most chosen
NHI top-up (most common)
From¥11,500/yr
- Deductible: No deductible — pays out from the first day of treatment
- Mental health: Treatment of mental disorders (outpatient and...
NHI top-up + belongings and tenant liability
From¥16,080/yr
Visit JEES (Japan Educational Exchanges and Services)→Short stay up to 3 months, no NHI (flat-rate injury cover)
From¥2,240/mo
Visit JEES (Japan Educational Exchanges and Services)→02Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Most chosenNHI top-up (most common) | NHI top-up + belongings and tenant liability | Short stay up to 3 months, no NHI (flat-rate injury cover) |
|---|---|---|---|
| Core Coverage | |||
| Deductible / Co-pay | No deductible — pays out from the first day of treatment | Not specified | Not specified |
| Additional Benefits | |||
| Mental Health | Treatment of mental disorders (outpatient and inpatient) is excluded from the medical-expense benefit (NHI still pays 70%) | Not specified | Not specified |
| Visa Compliant | |||
| Visit NHI top-up (most common)→ | Visit NHI top-up + belongings and tenant liability→ | Visit Short stay up to 3 months, no NHI (flat-rate injury cover)→ | |
NHI top-up (most common)Most chosen
NHI top-up + belongings and tenant liability
Short stay up to 3 months, no NHI (flat-rate injury cover)
Core Coverage
Deductible / Co-pay
No deductible — pays out from the first day of treatment
Not specified
Not specified
Additional Benefits
Mental Health
Treatment of mental disorders (outpatient and inpatient) is excluded from the medical-expense benefit (NHI still pays 70%)
Not specified
Not specified
Visa Compliant
03Coverage
What's Covered
Benefits and coverage details.
Included
Adopted by 1,072 schools in Japan — the standard insurance offered to international students at many Japanese institutions
Underwritten by Tokio Marine & Nichido Fire Insurance, a leading Japanese non-life insurer — incident reports and claims can be handled in English or Japanese
Very low cost: the NHI top-up costs ¥11,500 for a 1-year policy — roughly ¥958 per month (~€6) — and less per year on longer policies (¥51,780 for 6 years)
¥100 million personal liability cover protects against costly cycling/everyday accidents (a common risk in Japan)
Pay once at enrollment — coverage lasts up to 6 years (a single bachelor's or graduate program), no annual renewals
Not Covered
Top-up only — the medical-expense benefit requires you to be enrolled in Japanese health insurance (NHI) first; not standalone health cover
Only sold via JEES-affiliated schools — you must be enrolled at a participating school
Pre-existing illnesses are excluded for the first 1–2 years
No mental health, dental, or hemorrhoid treatment cover under the medical-expense benefit
No emergency repatriation flight cover for the student themselves (only family rescue expenses); pair with travel insurance if you want full medical evacuation
04Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age GroupMonthly Premium
Fulfills insurance obligation
05FAQ
Frequently Asked Questions about JEES Inbound Futai-Gakuso
Most universities require it — even with NHI, you still pay 30% of medical bills out of pocket, and NHI does not include personal liability. The JEES NHI top-up covers exactly that 30% gap plus ¥100 million liability. A 1-year policy costs ¥11,500 (about ¥958 per month), paid once; longer policies are paid once at enrollment and cost less per year (¥37,410 for 4 years). It is one of the cheapest meaningful additions you can make to your NHI coverage.
No. JEES Inbound Futai-Gakuso is a group contract sold only through schools that have adopted Gakkensai (1,072 schools in Japan). If your school is not in the network, you will need to look at private travel/student insurance instead.
The type letters differ from school to school, so check your school's pamphlet. In JEES's standard 2026 menu, students with Japanese health insurance (NHI) staying 4 months or more choose between the NHI top-up (B-Type: medical co-pays, ¥100 million liability, rescue costs — ¥11,500 for 1 year) and the same cover plus household goods and tenant liability (A-Type: ¥16,080 for 1 year). Students without NHI staying up to 3 months get no medical reimbursement, only fixed payments for injuries (¥5,000 per hospital day, ¥3,000 per outpatient day): D-Type costs ¥2,240 for 1 month, C-Type with household goods cover ¥3,380. Some schools also offer a liability-only type (at ICU: ¥460 for 1 month, ¥1,860 for 1 year).
Yes — and this is a major reason students choose it. The ¥100 million personal liability cover applies to cycling accidents in Japan, where serious bicycle-pedestrian collisions can lead to court-ordered damages of tens of millions of yen. Tokio Marine & Nichido handles settlement negotiations on your behalf for incidents in Japan.
Pay the 30% co-pay at the hospital and keep your receipt. Download the incident report form from the JEES website (jees.or.jp/gakkensai-en/jiko), fill it in (English or Japanese), and email it to insclaim.futaigakuso@tmnf.jp. Tokio Marine & Nichido will respond in your chosen language and send you the documents needed for reimbursement.
Ready to Get Insured?
Check the latest terms and prices for JEES Inbound Futai-Gakuso on the provider's official website.