Employee Insurance
Review first-contact guidance, referral expectations, payment flow, and common issues for this insurance situation.
Okinawa International Clinic note
Okinawa International Clinic is a self-pay clinic and does not process Japanese public health insurance.
Who is this for?
- Employees of Japanese companies
- OIST employees
- Many long-term foreign residents
What should I know?
- Similar access to care as National Health Insurance
- Most clinics can be visited directly without a referral
Common frustrations
- Finding English-speaking providers
- Understanding when a referral letter is needed for hospital specialists
When should I choose this category?
- You receive health insurance through your employer in Japan
Can I use Japanese clinics?
Yes. Most clinics can be visited directly.
Who should I contact first?
Any clinic.
Do I need a referral?
It depends on the clinic or hospital.
Many Japanese clinics accept new patients without a referral. However, some clinics and many hospital specialists may require a referral letter before accepting an appointment.
In addition, some facilities may have limited English support and may ask patients to bring an interpreter or a Japanese-speaking companion.
Before visiting any clinic or hospital, it is strongly recommended that you contact the facility in advance to confirm:
- Whether new patients are being accepted
- Whether a referral is required
- Whether English support is available
- Whether an interpreter is needed
- Whether your Japanese employee health insurance card can be used
Confirming these details beforehand can help avoid delays, unexpected fees, or cancelled appointments.
Who pays?
You pay approximately 30% of the medical cost.
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