Japan Digital Nomad Visa insurance requirements (evidence-based)

Short answer

Japan’s Digital Nomad Visa (a Designated Activities status, valid up to six months) requires private insurance against death, injury or illness during the stay, with medical-treatment compensation of JPY 10 million or more. This is item (6) of the necessary documents on the Ministry of Foreign Affairs of Japan visa page (Source: JP_DNV_MOFA_2026, Necessary documents, Digital Nomad, item (6); verified 2026-06-08).

Key findings at a glance

What the authority requires

• Private insurance is mandatory for the visa. (Source: JP_DNV_MOFA_2026, item (6); verified 2026-06-08)
• The insurance must cover death, injury or illness during the stay in Japan. (Source: JP_DNV_MOFA_2026, item (6); verified 2026-06-08)
• Medical-treatment compensation must be JPY 10 million or more. (Source: JP_DNV_MOFA_2026, item (6); verified 2026-06-08)

Normalized requirements table:

Verified requirements (PASS/FAIL/UNKNOWN)

How we evaluate, and the currency note

The checker compares each modeled requirement against product evidence. The coverage rule is where Japan needs care: the threshold is JPY 10 million, but the products in the checker document their limits in US dollars or euro. Comparing raw numbers would be wrong, so the engine converts both the threshold and each product limit to euro using fixed reference rates before comparing. JPY 10 million is roughly 61,000 euro, which a worldwide policy of USD 250,000 or EUR 1,000,000 clears comfortably. Where a product does not document an overall limit, the result is UNKNOWN rather than a guess. See /methodology/ for the full logic and the UNKNOWN > Wrong principle.

Who this visa is for and how long coverage must last

The Japan Digital Nomad Visa is a Designated Activities status for individuals working remotely in Japan for a period not exceeding six months, with no extension granted. Because the stay can run the full six months, the private insurance has to cover that entire period rather than a shorter trip window; a policy that lapses partway through leaves a gap the authority can question. A spouse or child accompanying the main applicant faces the same JPY 10 million condition, which can be met through family coverage on the main applicant’s policy where the documents confirm the scope. The page also explains the Certificate of Eligibility (COE): a COE issued by a regional immigration bureau smooths the visa application and the landing examination, though it does not by itself assure the visa is issued.

Proof package checklist

• A certificate of insurance coverage and policy summary showing medical-treatment compensation of JPY 10 million or more.
• Confirmation that the cover extends to death, injury and illness during the stay in Japan.
• A policy valid for the full planned period of stay (up to six months).

Common rejection traps

• Assuming Japan’s national health insurance applies: Digital Nomad holders are not enrolled, so private cover is needed.
• A medical-treatment limit below JPY 10 million.
• Relying on a credit-card insurance perk without documents proving the compensation level.

FAQ

Q: How much coverage is required? A: Medical-treatment compensation of JPY 10 million or more, covering death, injury or illness during the stay (Source: JP_DNV_MOFA_2026, item (6); verified 2026-06-08).

Q: How is a yen threshold compared with a dollar or euro policy? A: The engine converts both to euro with fixed reference rates, so the comparison is like-for-like.

Q: Does national health insurance count? A: No. Digital Nomad visa holders are not enrolled in Japan’s national health insurance.

Check in the engine

Use the compliance checker with the current snapshot for this route:

Related reading

• Japan Digital Nomad Visa requirements (route page)
• Digital nomad insurance in Asia
• How to read compliance results

Where to find compliant insurance for the Japan Digital Nomad Visa

In the current snapshot, the products that show GREEN for this route are those whose documented limit clears JPY 10 million once converted to a common currency: Genki Traveler, SafetyWing Nomad Insurance, and World Nomads Explorer. The Spanish health policies in the checker (ASISA, DKV, Sanitas) show UNKNOWN here because their documents do not state an overall coverage limit to compare against the threshold.

• Genki Traveler — paid link. We may earn a commission if you purchase through this link.

Use the compliance checker to confirm the current GREEN products for this route before you buy.

International transfers for Japan visa requirements

Japan’s Digital Nomad Visa requires insurance with coverage of JPY 10 million or more (~€61,000 / ~$66,000). Applicants often need to transfer JPY internationally to pay qualifying insurers or to manage funds during their stay.

Wise (JPY transfers) supports JPY transfers at mid-market exchange rates — no hidden fees in the exchange rate.

Affiliate disclosure: the Wise link above is an affiliate link — commission may be earned at no extra cost to you. Separate from the compliance checker results above. See affiliate disclosure.

Disclaimer + Affiliate disclosure

Not legal advice. Compliance results are evidence-based snapshots.

If an affiliate link is present, it appears only after results and does not change the compliance outcome. The Genki link above is a paid affiliate link.

Last updated: 2026-06-08

Evidence log

• Source: JP_DNV_MOFA_2026