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
From ¥460/month (¥1,860/year)–2,240/month
✓ Visa Compliant
Last updated: April 27, 2026
Choose Your Plan
Available Plans
Compare coverage tiers and pick the plan that fits your needs.
Most chosen
A-Type — NHI top-up (most common)
From ¥11,500/year (~¥958nth) /month
- Deductible: No deductible — pays out from the first day of treatment
- Mental health: Mental health hospitalization is excluded from...
Coverage Comparison
Compare Plan Coverage
See exactly what each plan covers side by side.
| Feature | Most chosen A-Type — NHI top-up (most common) | B-Type — short-term, no NHI | C-Type — flat-rate hospitalization, no NHI |
|---|---|---|---|
| Core Coverage | |||
| Outpatient Treatment | Not covered | Not covered | Not covered |
| Hospital (Inpatient) | Not covered | Not covered | Not covered |
| Medication | Not covered | Not covered | Not covered |
| Deductible / Co-pay | No deductible — pays out from the first day of treatment | Not covered | Not covered |
| Dental & Vision | |||
| Dental Care | Not covered | Not covered | Not covered |
| Dental Budget | Not covered | Not covered | Not covered |
| Vision | Not covered | Not covered | Not covered |
| Additional Benefits | |||
| Mental Health | Mental health hospitalization is excluded from medical reimbursement (NHI covers it at 70%) | Not covered | Not covered |
| Pregnancy & Maternity | Not covered | Not covered | Not covered |
| Telemedicine | | | |
| Repatriation | | | |
| Visa Compliant | | | |
| Apply A-Type — NHI top-up (most common) → | Apply B-Type — short-term, no NHI → | Apply C-Type — flat-rate hospitalization, no NHI → | |
A-Type — NHI top-up (most common) Most chosen
B-Type — short-term, no NHI
C-Type — flat-rate hospitalization, no NHI
Core Coverage
Outpatient Treatment
Not covered
Not covered
Not covered
Hospital (Inpatient)
Not covered
Not covered
Not covered
Medication
Not covered
Not covered
Not covered
Deductible / Co-pay
No deductible — pays out from the first day of treatment
Not covered
Not covered
Dental & Vision
Dental Care
Not covered
Not covered
Not covered
Dental Budget
Not covered
Not covered
Not covered
Vision
Not covered
Not covered
Not covered
Additional Benefits
Mental Health
Mental health hospitalization is excluded from medical reimbursement (NHI covers it at 70%)
Not covered
Not covered
Pregnancy & Maternity
Not covered
Not covered
Not covered
Telemedicine
Repatriation
Visa Compliant
What's Covered
Benefits and coverage details.
Included
Recognized by 1,072+ universities — the default insurance product offered to international students at most Japanese institutions
Backed by Tokio Marine & Nichido, Japan's largest non-life insurer — strong claims handling and an English-language support desk
Very low cost: A-Type works out to roughly ¥958 per month (~€6) — one of the cheapest student insurance products globally
¥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 — A-Type requires you to enroll in NHI first; not standalone health cover
Only sold via JEES-affiliated schools — you must be enrolled at a participating university or language 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
Pricing
Pricing by Age
Monthly net premium by age group. No hidden fees.
Age Group Monthly Premium
Fulfills insurance obligation
FAQ
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. JEES A-Type covers exactly that 30% gap plus ¥100 million liability. At ¥11,500 per year (~¥958/month), 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 JEES-affiliated schools (1,072+ Japanese universities, language schools, and graduate programs). If your school is not in the network, you will need to look at private travel/student insurance instead.
A-Type is the standard plan for students with NHI — ¥11,500 per year, reimburses your 30% medical co-pay. B-Type is for students staying under 3 months or without NHI — ¥1,860 per year, liability-only, no medical reimbursement. C-Type also targets non-NHI students but pays a flat ¥5,000/day during hospitalization instead of reimbursing actual costs (¥2,240/month).
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/inbound.htm), 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?
Apply for JEES Inbound Futai-Gakuso now and get covered in minutes.