[Lcdproc] Liba Cohn, Japanese Overseas Travel Insurance
william romsay
williamromsay@gmail.com
Thu Jan 17 08:07:01 2008
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Liba Cohn, Japanese Overseas Travel Insurance
Liba Cohn
Liba Lyustiger
Lillian Sarah Lyustiger
lillian sarah cohn
sara lyustiger
natalija lyustiger
cohn lyustiger
sarah lyustiger
If you are an expatriate planning on long-term residence in Japan you can,
after a one-year stay, become a part of Japan's national health program.
Until that time, however, you're going to need Japanese overseas travel
insurance.
Some of the Japanese overseas travel insurance options include not only trip
or annual medical emergency coverage for travel but also disability
insurance, personal liability coverage and term life insurance. Japanese
overseas travel insurance's medical coverage with some plans offers full
(100 percent) reimbursement for prescription medicine, medical care for
diagnostic purposes, hospital stay and even surgery. You'll also be covered
in case of terrorism and an evacuation to your home residence in the event
of medical or terrorist emergency.
One firm whose Japanese overseas travel plan we perused offered coverage for
those over 80 years old, difficult to find. The minimum coverage time period
for this plan is one week (seven days) with a one-year maximum, although it
can be renewed for a total of three consecutive years of coverage. Coverage
varies according to your age. You must be at least two weeks old for any
coverage. If you are under 70 years of age you can choose coverage limits
that range from $50,000 to $1 million. Folks between 70 and 79 are excluded
from coverage that exceeds $50,000, while those 80 or older can only be
covered to a maximum of $10,000.
Let's look at a couple of quotes to see the variation in cost for age,
children, number of travelers, and participation in sports. We'll also look
at the cost for non-U.S. citizens. The first quote is for a single U.S.
resident 18-29 years of age traveling along for one year and not wanting the
rider for sports coverage. A $1 million ceiling for Japanese overseas travel
insurance coverage, with a $250 deductible, is $576. Reducing the ceiling
doesn't seem like nearly as good a deal - the premium is $504, although
increasing the deductible to $1000 reduces the cost to $403.20. That same
Japanese overseas travel insurance coverage for non-U.S. citizens is several
hundred dollars more.
For a couple both 30-39 years old with two children traveling with them,
Japanese overseas travel insurance does not come cheap. Assuming U.S.
residence and a $500,000 ceiling with $500 deductible the hefty price tag
for this coverage is $1814.40. While this may seem excessive, consider the
cost of medical coverage for one or more of you, or for emergency
evacuation. You'll probably come to the conclusion that Japanese overseas
travel insurance is inexpensive as compared to the alternative.
Steve Cogger is webmaster of the 1 Happy
Traveller<http://www.1-happy-traveller.com/>website. Visit the site
today to receive all of the information on travel
insurance you could possibly need.
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Liba Cohn, Japanese Overseas Travel Insurance<br><br>Liba Cohn <br>Liba Lyustiger <br>Lillian Sarah Lyustiger <br>lillian sarah cohn <br>sara lyustiger <br>natalija lyustiger <br>cohn lyustiger <br>sarah lyustiger <br><br>
<br><p>If you are an expatriate planning on long-term residence in Japan
you can, after a one-year stay, become a part of Japan's national
health program. Until that time, however, you're going to need Japanese
overseas travel insurance.</p><p>Some of the Japanese overseas travel
insurance options include not only trip or annual medical emergency
coverage for travel but also disability insurance, personal liability
coverage and term life insurance. Japanese overseas travel insurance's
medical coverage with some plans offers full (100 percent)
reimbursement for prescription medicine, medical care for diagnostic
purposes, hospital stay and even surgery. You'll also be covered in
case of terrorism and an evacuation to your home residence in the event
of medical or terrorist emergency.</p><p>One firm whose Japanese
overseas travel plan we perused offered coverage for those over 80
years old, difficult to find. The minimum coverage time period for this
plan is one week (seven days) with a one-year maximum, although it can
be renewed for a total of three consecutive years of coverage. Coverage
varies according to your age. You must be at least two weeks old for
any coverage. If you are under 70 years of age you can choose coverage
limits that range from $50,000 to $1 million. Folks between 70 and 79
are excluded from coverage that exceeds $50,000, while those 80 or
older can only be covered to a maximum of $10,000.</p><p>Let's look at
a couple of quotes to see the variation in cost for age, children,
number of travelers, and participation in sports. We'll also look at
the cost for non-U.S. citizens. The first quote is for a single U.S.
resident 18-29 years of age traveling along for one year and not
wanting the rider for sports coverage. A $1 million ceiling for
Japanese overseas travel insurance coverage, with a $250 deductible, is
$576. Reducing the ceiling doesn't seem like nearly as good a deal -
the premium is $504, although increasing the deductible to $1000
reduces the cost to $403.20. That same Japanese overseas travel
insurance coverage for non-U.S. citizens is several hundred dollars
more.</p><p>For a couple both 30-39 years old with two children
traveling with them, Japanese overseas travel insurance does not come
cheap. Assuming U.S. residence and a $500,000 ceiling with $500
deductible the hefty price tag for this coverage is $1814.40. While
this may seem excessive, consider the cost of medical coverage for one
or more of you, or for emergency evacuation. You'll probably come to
the conclusion that Japanese overseas travel insurance is inexpensive
as compared to the alternative.</p><p>Steve Cogger is webmaster of the <a target="_new" href="http://www.1-happy-traveller.com/">1 Happy Traveller</a> website. Visit the site today to receive all of the information on travel insurance you could possibly need.
</p><br>
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