Insurance Coverage Japan – In recent years, Japan has significantly increases real estate ownership in Napaponic due to the low cost of yen, an attractive real estate market and long -term investment opportunities.
Japan has no restrictions on non -Aponian citizens to own property, requirements and property ownership, the same as citizens of Japanese citizens.
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However, the availability of real estate is not only related to its purchase; It also includes responsibilities such as insurance, taxes and management.
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This article will explain the types of real estate insurance in Japan, insurance in non -resident houses, what are the types of insurance, tips on choosing the appropriate insurance and reducing costs.
Japan has a complex insurance system, and the choice of the right plan can be difficult. The type of insurance and insurance varies greatly depending on individual needs.
Understanding local laws and rules and conditions written in Japanese can be very complicated. The language barrier often does not allow foreign real estate from choosing the optimal insurance plan, which can lead to serious problems.
One of the clients shared his experience in an attempt to get insurance for owners of houses as inactive: “I initially tried to contact a local agent in Japan, but they asked the Japanese phone number, I cannot get it without remaining.”
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For non -resident owners of real estate, to receive insurance accounts and notifications sent to their Japanese property may be difficult. Note. Many real estate owners who are not residents use the service of virtual mailboxes, which loads all inserted mail into a cloud account. The service also provides the payment service for the property so that real estate owners can remain at the top of insurance premiums.
In Japan there are two main types of property insurance: fire insurance (火災保険 火災保険 – Casai Hoken) and earthquake insurance (地震保険 – Jishin Hoken).
A typical fire protection insurance policy, known as 火災保険 (Casai Hoken), is a common insurance for the house. Despite the name, fire insurance in Japan also covers the damage to property as a result of natural disasters, such as hurricanes, floods, water leakage, snowy damage, lightning strokes, shed rains, theft and other unintentional accidents.
Inside the fire insurance plan, you can buy protection for two categories: Construction that covers and covers the contents of the family.
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The purpose of the earthquake insurance is to establish livelihood and provide financial protection for those who have suffered from earthquakes. The owner of the document must determine the insured amount to cover the earthquake within 30-50 % of the insurance amount provided by its fire insurance.
The earthquake insurance can be relatively expensive, while dangerous earthquakes have occurred. However, when earthquakes occur, they often cause great damage. It is strongly recommended to purchase an earthquake insurance if your budget allows this.
According to Minbaku Insurance Company, the average price of Japanese consumers against fire insurance and annual insurance payments for earthquakes for a separate house in Japan is about 50,000 (340 US dollars) during the year.
Your insurance premium depends on factors such as the age and rhetoric of the building, the type of construction, regardless of whether you choose special conditions, the desire for additional services, whether you want to cover goods for the house, etc.
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Note. These figures are assessments, and actual costs will vary depending on the details of specific properties and coating options.
Below is the scheme from kakaku.com, a common area comparing the price in Japan, which shows current prices for various real estate insurance plans, depending on the type of building.
Separate wooden houses (Haykal H) lead to the highest releases for about $ 100, $ 800 ($ 692) to cover a complex fire and explosion – and this reflects high damage to the fire.
On the contrary, buildings with solid and resistant to fiery frames (brown t) are benefited from much lower rates (66 ¥, 330; 455 US dollars) for the same coverage, which is a decrease by 34 %. Residential buildings (Mickl M) offer the most economical rates of 51, 900 ($ 356) for the initial fire cover or almost half the cost of wooden houses.
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This pricing structure directly corresponds to a statistical risk assessment: wooden structures are historically more complete and general losses in the results of fire accidents compared to concrete buildings or steel tires.
Different differences become more clear for the secondary coating, such as damage to water, since wooden houses are almost four times to provide apartments.
After the consideration of many insurance and political plans, this is what we recommend when looking for a fire or earthquake insurance.
Insurance and demand conditions are often provided only in Japanese. Therefore, I am looking for an insurance company that provides support in English, or has a busy record for help from the foreign population.
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Thinking about the coverage of complex fire insurance, many insurance plans in Japan also include protection of personal accidental damage. For example, coverage can apply to situations such as a child, accidentally breaking the TV during the game, or by chance a leak of red wine on the carpet.
However, the main plans do not include personal random damage. Additional or comprehensive plans are usually more expensive.
In addition, even if the basic insurance plan includes flooding, they can have strict conditions. For example, some politicians cover only the damage from the flood if the water level rises at least 45 cm above the ground. This means that the damage to the basement will not be covered, even if the damage from the flood is included. The more coating, the higher the cost. It is necessary to evaluate the risks of your property and choose a policy that provides sufficient protection without unnecessary additions.
When choosing a fire insurance, it is important to check the conditions and conditions in order to understand that it is covered and determine whether the main or comprehensive plan is more suitable for your needs.
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Or not some individual policies may include covering buildings used for commercial purposes, for example, short -term rents or stores, so you may need to buy a separate plate if you want to buy insurance for amazing income.
Carefully view the conditions and provisions of the insurance policy, including the claim process. Make sure that the insurance company has a clear and direct procedure for claims, as well as check the discounts and consequences that can affect your coating.
Understand the maximum amount of coating restrictions for the insurance plan and make sure that it is compatible with the actual monetary cost or the cost of replacing your property.
Here are some procedures that should be taken into account if you want to reduce your insurance premiums and choose insurance products that will provide you with the coating amount, which, as you hope, hope.
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Choose an insurance plan that covers specific risks instead of comprehensive insurance. This can reduce costs if you are sure that some risks are not needed for property.
Be sure to coordinate your coating with the actual monetary cost or the cost of replacing your property and contents. It is important to avoid excessive support for property.
Choose the perfect insurance plan developed in accordance with the specified type of real estate. For example, if you have a high building (called the “palace” in Japanese), many insurance companies offer the “Palace Plan”, which excludes unnecessary coverage of the risk of high buildings. The choice of the correct insurance plan for your property needs can help reduce the total cost.
It is strongly recommended to gain professional assistance. He works with the insurance company and helped many owners of real estate, who are not residents of the fire insurance and earthquake insurance.
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They work with you through the risk assessment process, and they provide the English language interpretation for all Japanese insurance conditions and will help you understand the costs of payment and the borders of the coating.
In Japan there are two main types of real estate insurance services: Hoken Gaisha and Cooperative Security (済 – Kyosai).
Cooperative (Kyosai) is a non -core organization that was voluntarily created by groups of people who seek to improve their lives through common resources.
Cooperative insurance works as a general assistance system, where participants share their plans in order to create a collective box. This fund is used to ensure financial support in unforeseen emergency situations, compensation for financial deficit and stabilizes the life of members and families.
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This can help you prepare real estate insurance and work as emergency contact for foreign real estate owners.
Not only is the provision of support for bilateral contracts for foreign real estate owners who want to buy the owner of the house, but also provide integrated services to manage property, which makes it an ideal solution for real estate management in Japan from the milestone.
The service also includes business with mail at the virtual address, sending the mail -in -law and the provision of transfer services if necessary.
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Real estate ownership in Japan as a non -resident foreign citizen consists with unique problems. Proper property insurance is the main part of the process.
Understanding insurance options, reducing unnecessary costs, partnership with professionals who have reached two languages, you can simplify property management and use the advantages of property with mental peace in Japan. Do you plan to study in Japan and wonder how the healthcare system works? This leadership provides the main aspects of national medical insurance in Japan (NHI) to foreign students. It covers the registration of NHI and the management of health care needs, ensuring a smooth and healthy study in Japan for students in a long -term and short term.
Japan is distinguished by its health care system, which is an important factor in a high level of middle life in the country. The system is unique in that it does not depend on private insurance, but provides a global coating financed by both taxes and individual contributions. This complex approach guarantees that the entire population, including foreign students, provides fair access to medical services.
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