Heading to Japan? You May Soon Need Medical Insurance to Enter

Japan is reportedly considering new entry regulations that may require all foreign visitors, including Malaysians, to provide proof of private medical insurance upon arrival. The proposed changes aim to address the growing concern over unpaid medical expenses incurred by international tourists during their stay in the country.

This potential policy shift comes amid a surge in inbound tourism. In 2024 alone, Japan recorded an all-time high of 36.87 million overseas visitors, including over 500,000 Malaysians. However, the increase in tourist numbers has also brought unintended consequences for the local healthcare system. According to Japan’s Ministry of Health, Labour and Welfare, more than 11,000 foreign nationals received medical treatment in September 2024 across approximately 5,500 medical institutions. Alarmingly, around 0.8% of these patients left the country without settling their medical bills, resulting in estimated losses of ¥61.35 million (approximately USD 427,000).

In response, the Japanese government is considering a formal requirement for private medical insurance coverage as part of the immigration process. The proposal is currently under review and is being developed in collaboration between the Immigration Services Agency and the Ministry of Health. The authorities may also explore additional measures such as flagging repeat offenders with outstanding medical debts through immigration records.

Should the policy be implemented, Malaysian travellers would need to secure valid private medical insurance prior to their journey. While standard travel insurance typically includes medical coverage, visitors may be required to meet specific Japanese criteria, such as minimum coverage amounts, emergency evacuation, and repatriation provisions.

Though this requirement may add a layer of preparation for tourists, it ultimately offers mutual benefits—ensuring that travellers are protected during medical emergencies while also reducing the financial burden on Japanese healthcare providers.

At present, the proposed rule remains under consideration, with no official enforcement date announced. Malaysian travellers planning to visit Japan in the near future are encouraged to monitor developments closely and consider purchasing comprehensive travel insurance as a precautionary measure.

This move aligns with broader global trends, as more countries seek to ensure the sustainability of public services while promoting responsible tourism.