{"id":27082,"date":"2025-12-16T21:28:58","date_gmt":"2025-12-16T13:28:58","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=27082"},"modified":"2025-12-16T21:28:58","modified_gmt":"2025-12-16T13:28:58","slug":"cancel-switch-health-insurance-japan","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/cancel-switch-health-insurance-japan.html","title":{"rendered":"How to Cancel or Switch Your Health Insurance in Japan"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Foreigners in Japan can cancel or switch their health insurance plan in Japan by visiting their local municipal office and reporting their change in coverage. They\u2019ll need to bring necessary documents, such as their My Number card and insurance card, and pay any outstanding fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you have a health insurance plan in Japan that you need to either cancel or switch? Unsure what steps you need to follow? This blog post will make that transition easier as we explain the simple steps to cancelling and switching your insurance plan as a foreigner living in Japan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We\u2019ll cover the differences in the process depending on if you\u2019re ending or starting a job, moving to a new place in Japan, moving out of Japan for good, or want to open up a private insurance plan. This article is paced with useful tips, tricks, and facts that will help you out.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And don\u2019t miss our webpage that explains how the healthcare system in Japan works and what <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/japan-health-insurance\/\"><span style=\"font-weight: 400;\">private health insurance providers are the best for Japan<\/span><\/a><span style=\"font-weight: 400;\"> travel!<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Foreigners Switch or Cancel Health Insurance in Japan<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27086 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront.webp\" alt=\"Image of Yokohama Skyline Featuring The Landmark Tower And Waterfront with text overlay of &quot;How Foreigners Switch or Cancel Health Insurance in Japan&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/yokohama-skyline-featuring-the-landmark-tower-and-waterfront-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a recommended step-by-step guide for foreigners who want to cancel or switch health insurance in Japan:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Identify the Reason:<\/b><span style=\"font-weight: 400;\"> Are you switching jobs, moving, leaving Japan, or just changing coverage types?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><b>Check Legal Requirements:<\/b><span style=\"font-weight: 400;\"> Determine whether public insurance is mandatory for your visa\/residency status.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gather Documents:<\/b><span style=\"font-weight: 400;\"> Passport\/residence card, My Number card or notification, current insurance card, certificate of loss (if SHI), and\/or proof of departure (if leaving).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Start New Coverage:<\/b><span style=\"font-weight: 400;\"> Enroll in SHI, NHI, or a private\/international plan before old coverage ends.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Receive New Insurance Card:<\/b><span style=\"font-weight: 400;\"> Ensure you have valid coverage documentation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Submit Cancellation\/Withdrawal Forms:<\/b><span style=\"font-weight: 400;\"> Visit your municipal office (for NHI) or return insurance card to employer\/insurer (for SHI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Return Old Insurance Cards:<\/b><span style=\"font-weight: 400;\"> Required for both NHI and SHI cancellation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pay Any Outstanding Premiums:<\/b><span style=\"font-weight: 400;\"> Finalize premiums up to the cancellation date.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Request Refunds (if Overpaid):<\/b><span style=\"font-weight: 400;\"> Many municipalities refund overpaid premiums after withdrawal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Confirm Written Notice of Cancellation\/Change:<\/b><span style=\"font-weight: 400;\"> For your records and future visa\/tax purposes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Update Your My Number\/Address Records:<\/b><span style=\"font-weight: 400;\"> If you moved to a new city or left Japan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Keep Receipts and Documents:<\/b><span style=\"font-weight: 400;\"> Useful for tax, immigration, or future enrollment.<\/span><\/li>\n<\/ol>\n<h3><span style=\"font-weight: 400;\">Required Documents for Canceling or Switching Health Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here\u2019s a checklist of documents you\u2019ll typically need when cancelling or switching insurance in Japan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Passport<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Residence card (or Alien Registration Card)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">My Number card or notification card (or other proof of My Number)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Current insurance card (NHI or SHI)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New insurance card or eligibility certificate (if switching to SHI or private plan)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificate of Loss of Health Insurance (for SHI cancellation)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Proof of departure (e.g., flight ticket) if permanently leaving Japan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank account details (for refunds)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Expats often run into issues if their My Number card isn\u2019t ready, if they lose the insurance card, or if forms are only in Japanese.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Costs, Deadlines, and Refund Rules<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There are several costs, deadlines, and rules foreigners will want to follow to avoid additional penalties or charges.<\/span><\/p>\n<p><b>NHI Premiums and Refunds<\/b><\/p>\n<p><span style=\"font-weight: 400;\">When you withdraw from NHI, your municipality recalculates premiums for the remainder of the fiscal year. If you overpaid, you may receive a refund. If you underpaid, you\u2019ll receive a final payment slip.<\/span><\/p>\n<p><b>SHI Final Payments<\/b><\/p>\n<p><span style=\"font-weight: 400;\">When SHI eligibility ends, you must return your insurance card and receive a \u201cCertificate of Loss of Eligibility.\u201d Any further coverage or claims will depend on your next insurance setup.<\/span><\/p>\n<p><b>Avoiding Penalties<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Failing to cancel public insurance or delaying enrollment in a new plan can result in liability for full medical costs. Municipalities may also continue billing premiums if you remain listed as enrolled.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-24' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_5.jpg\" alt=\"blog banner asia 5\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Cancel National Health Insurance (NHI) in Japan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Expats can <\/span><a href=\"https:\/\/www.city.saitama.lg.jp\/en\/sc\/hip-healthinsurance.html?#:~:text=Withdrawing%20from%20NHI\"><span style=\"font-weight: 400;\">cancel NHI in Japan<\/span><\/a><span style=\"font-weight: 400;\"> by submitting the withdrawal notification and returning their health insurance card to their local city ward office. This withdrawal process can look differently depending on if they are switching jobs, leaving Japan permanently, or moving within Japan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When You Switch Jobs in Japan (NHI to SHI)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When expats in Japan get employer health insurance, they must notify the municipal office <\/span><a href=\"https:\/\/www.city.ota.gunma.jp\/uploaded\/attachment\/35807.pdf?\"><span style=\"font-weight: 400;\">within 14 days<\/span><\/a><span style=\"font-weight: 400;\"> to cancel NHI. If you continue using your NHI card after enrolling in SHI, you may be asked to repay medical costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Don\u2019t forget these requirements:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Return your insurance card.<\/b><span style=\"font-weight: 400;\"> The card must be returned during withdrawal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Provide required documentation.<\/b><span style=\"font-weight: 400;\"> Necessary documentation to withdraw typically includes your residence card, My Number card, NHI card, and\/or proof of new employer coverage.<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">When You Leave Japan Permanently<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you plan to leave Japan, you must submit a moving out form (tenshutsu todoke \u8ee2\u51fa\u5c4a) to your local ward office and cancel NHI accordingly. A flight ticket or similar travel document is usually required, and you must return your NHI Card.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The card\u2019s validity will be adjusted to match your last day in Japan. If you overpaid, you may receive a refund. If you underpaid, you\u2019ll get a final bill.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When Moving Within Japan (Different City\/Ward)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you relocate within Japan to a different ward or city, you must re-enroll in NHI for your new municipality. You cannot just transfer automatically.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Common Issues Foreigners Face When Cancelling NHI<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not realizing cancellation is required<\/b><span style=\"font-weight: 400;\">. NHI doesn\u2019t cancel automatically.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Language barriers at city hall or with forms<\/b><span style=\"font-weight: 400;\">. This is especially true regarding My Number and identity verification.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Forgetting to return the NHI card, or misunderstanding its use<\/b><span style=\"font-weight: 400;\">. Some expats assume mere departure cancels it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Overpaying or underpaying premiums<\/b><span style=\"font-weight: 400;\">. This can happen if withdrawal isn\u2019t processed properly.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-23' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_4.jpg\" alt=\"blog banner asia 4\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Cancel Employee Health Insurance (SHI) in Japan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you are covered by employer-based health insurance and leave your job, the cancellation process is slightly different. Again, the steps vary depending on if you are simply quitting or changing jobs or if you\u2019re switching to NHI or a private insurance plan.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">When You Quit or Change Jobs<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Your eligibility for SHI ends when your employment ends, and you must return your insurance card (typically within five days.) The insurer (or employer) issues a \u201cCertificate of Loss of Eligibility,\u201d needed for future enrollment elsewhere.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You must also return all cards\/certificates, such as health cards or benefit certificates.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Switching From SHI to NHI (or Other Plans)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you lose SHI coverage and aren\u2019t immediately re-employed, you must register for NHI at your local municipality. You will need a Certificate of Loss of Eligibility. This document shows that your prior employer coverage ended. You will also need to bring your residence card, passport, or My Number.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Potential Issues for Expats<\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Delay in employer processing may create insurance gaps<\/b><span style=\"font-weight: 400;\">. If no new coverage is arranged quickly, you might temporarily lack coverage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you neglect to enroll in NHI or a private plan promptly<\/b><span style=\"font-weight: 400;\">. This could mean you end up uninsured or charged full medical costs.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-22' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_3.jpg\" alt=\"blog banner asia 3\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Switching From a Japanese Public Plan to a Private Plan<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many expats consider switching to an international health insurance plan for broader global coverage or travel flexibility if they plan to leave Japan on occasion. They also switch for English-language customer support and medical care and the extra evacuation, repatriation, and maternity benefits.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can You Opt Out of Public Insurance in Japan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Because public insurance (NHI or SHI) is legally required for residents, <\/span><b>you usually cannot fully opt out<\/b><span style=\"font-weight: 400;\">, but many expats keep public insurance and layer a private\/international plan on top to supplement it.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What to Check Before Switching to Private Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Before you switch over to private insurance, you\u2019ll want to check if\/how the following features are included in the plan you\u2019re considering:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Coverage for pre-existing conditions and waiting periods<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Policy coverage limits, especially for serious illness or evacuation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether the plan allows reimbursement for overseas treatment (if you travel)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How claim reimbursement works; many private plans require you to pay first, then claim later<\/span><\/li>\n<\/ul>\n<h3><span style=\"font-weight: 400;\">How to Avoid Gaps in Coverage<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Expats in Japan switching over to a private international insurance plan can avoid gaps in their coverage if they:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ensure your private plan starts before (or the same day) your public insurance ends.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overlap coverage by a day or two when switching to avoid being uninsured.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keep proof of enrollment and cancellation to avoid legal or financial problems later.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-21' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_2.jpg\" alt=\"blog banner asia 2\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Reasons Foreigners Cancel or Switch Health Insurance<\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-27088 aligncenter\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views.webp\" alt=\"Image of People Walking Across Tokyo\u2019s Rainbow Bridge With City Views with text overlay of &quot;Reasons Foreigners Cancel or Switch Health Insurance&quot;\" width=\"1280\" height=\"720\" srcset=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views.webp 1280w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views-300x169.webp 300w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views-600x338.webp 600w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views-768x432.webp 768w, https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/people-walking-across-tokyos-rainbow-bridge-with-city-views-150x84.webp 150w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Foreigners and travelers living in Japan often change their insurance plan for one of the following life or employment reasons:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Starting a job and switching from NHI to SHI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Quitting a job and moving from SHI back to NHI<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Moving to a different city or ward within Japan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Changing visa status or residency situation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Leaving Japan permanently or moving abroad<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wanting to switch to an international\/private plan for broader coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Preferring lower premiums, English-speaking support, or additional benefits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Needing special coverage (e.g. maternity, mental health, travel) that public plans may not provide<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Tips for Foreigners Cancelling or Switching Insurance<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Foreigners and expats in Japan will want to bring a bilingual friend as a translator when they go to the city hall, have photocopies of all their documents, and return their insurance cards early instead of waiting till the last minute. Keep reading for more tips like these.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bring a Japanese-speaking friend or ask for English\/\u201cEasy Japanese\u201d support at city hall.<\/b><span style=\"font-weight: 400;\"> Municipal offices often have limited English services.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Make photocopies (or photos) of all documents before submission.<\/b><span style=\"font-weight: 400;\"> Useful if originals get lost.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Return insurance cards early, not at the last minute.<\/b><span style=\"font-weight: 400;\"> Helps avoid billing or administrative delays.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t wait until the week before departure. <\/b><span style=\"font-weight: 400;\">Start the process at least one to two weeks ahead. This gives time for refunds or final bills.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Keep your Japanese bank account open until refunds arrive.<\/b><span style=\"font-weight: 400;\"> Closing it too early may block refund transfers.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>If traveling frequently or leaving Japan again, consider a <\/b><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><b>private\/international plan<\/b><\/a><b> for global coverage and flexibility.<\/b><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Understanding Japan\u2019s Health Insurance System<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Public health insurance in Japan is broadly divided into two main schemes for foreigners: one for employed workers and another for residents who don\u2019t have employer coverage. Expats who work enroll in the <\/span><b>Employee Health Insurance<\/b><span style=\"font-weight: 400;\"> scheme and those who don\u2019t enroll in <\/span><b>National Health Insurance<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Expats also have the option to enroll in private health insurance to supplement and fill in the gaps of either of the above insurance plans. Let\u2019s discuss these three options in <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/asia\/japan-health-insurance\/\"><span style=\"font-weight: 400;\">Japan\u2019s healthcare system<\/span><\/a><span style=\"font-weight: 400;\"> in greater detail.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">National Health Insurance (NHI)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many expats, such as students, freelancers, part-timers, or new arrivals, use NHI because they\u2019re not covered by employer insurance. NHI premiums are calculated per household based on the prior year\u2019s income plus a per-person levy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Anyone living in Japan long-term who does not have employer-based insurance must enroll. The coverage benefits are similar to other public schemes. You pay a portion of medical costs (around 10\u201330%), while the system covers the remainder.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Employee Health Insurance (SHI\/Social Insurance)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you work full-time at a company, you generally qualify for employer-based insurance. The employer handles enrollment, and premiums are deducted from your salary. Because it is managed via employer payroll, there\u2019s less paperwork on your side.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Private &amp; International Health Insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some expats prefer a private or international health plan, often for global coverage, English-language support, or extra benefits like evacuation or maternity coverage. This coverage typically serves as a complement to public insurance.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because public insurance is mandatory, many people keep it and add private insurance; though private-only coverage may be used under special situations (short stay, special visa status, or travel-based stays).<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-20' style='margin: 8px 0; clear: both;'>\n<!--<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/button><\/p>-->\n\n<p><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_Asia_1.jpg\" alt=\"blog banner asia 1\" width=\"1138\" height=\"493\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What happens if I forget to cancel NHI before leaving Japan?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If you don\u2019t submit a withdrawal when leaving Japan, your municipal government may continue to bill you for NHI premiums. Any medical treatments charged after your departure could also require repayment.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can foreigners legally opt out of Japanese public insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Foreign residents with valid visas are required to be covered under either NHI or employer-based insurance (SHI). Private or international plans may supplement coverage, but rarely substitute public insurance entirely.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How do I switch from NHI to employer-based insurance?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You must submit a withdrawal notice to your local ward\/city office within 14 days after enrolling in SHI. You also need to return your NHI card and provide proof of your new employer coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Will I get a refund if I overpaid NHI premiums?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you withdraw from NHI, the municipality recalculates premiums for the fiscal year. If you overpaid, they will usually issue a refund to your bank account.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is there a gap in coverage during insurance transitions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As long as you enroll in new coverage (SHI, NHI, or private) promptly and submit required paperwork, you can avoid gaps. Delay may result in temporary uninsured periods.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Canceling or switching health insurance in Japan is manageable, even for foreigners. If you plan ahead, gather required documents, and submit timely notifications, it can be done quite smoothly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you switch from NHI to SHI, move within Japan, or leave the country, following the correct steps helps avoid unexpected bills or coverage gaps. For expats seeking global flexibility or English support, pairing public insurance with a private or international plan can offer peace of mind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To discuss your questions about a private plan with an international health insurance expert, <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact our team online<\/span><\/a><span style=\"font-weight: 400;\"> or call <a href=\"tel:+852-3113-1331\">+852-3113-1331<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can begin comparing quotes and plans from the top providers right away with our <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/\"><span style=\"font-weight: 400;\">insurance quote generator<\/span><\/a><span style=\"font-weight: 400;\"> that has over 50,000 plans in its database.<\/span><\/p>\n<p><b>We recommend expats in Japan explore the following resources:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/emergency-medical-coverage-japan.html\"><span style=\"font-weight: 400;\">Emergency Medical Coverage in Japan: What it Covers<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/national-health-insurance-japan-enrollment-guide.html\"><span style=\"font-weight: 400;\">National Health Insurance Japan for Expats: Step-by-Step Enrollment Guide<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-japan.html\"><span style=\"font-weight: 400;\">Living Abroad in Japan<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-japan.html\"><span style=\"font-weight: 400;\">12 Best Places to Live in Japan For Expats<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.pacificprime.com\/blog\/cost-of-living-in-japan-for-expats.html\"><span style=\"font-weight: 400;\">Cost of Living in Japan for Expats and Digital Nomads<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Foreigners in Japan can cancel or switch their health insurance plan in Japan by visiting their local municipal office and reporting their change in coverage. They\u2019ll need to bring necessary documents, such as their My Number card and insurance card, and pay any outstanding fees. Do you have a health insurance plan in Japan that &#8230;<\/p>\n","protected":false},"author":54,"featured_media":27084,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"footnotes":""},"categories":[1713,570],"tags":[],"class_list":["post-27082","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-expat-insurance","category-health"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Cancel or Switch Your Health Insurance in Japan<\/title>\n<meta name=\"description\" content=\"Follow this step-by-step guide on how to cancel or switch health insurance in Japan as a foreigner or expat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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