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About Coverage
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Q1
Please teach me of the procedure on how to claim my medical expenses.
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A
To see the details, click here.
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Q2
Which hospitals can I have my treatment?
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To see the details, click Show below.
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Before having medical consultation
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Please consult with authorize person regarding the nature of the illness and have medical treatment in a hospital.
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VIVA VIDA! will cover the medical expenses paid to medical institutions in Japan for the physician's consultation or treatment.
Medical expenses charged in the facilities other than the medical institutions mentioned above will not be covered; charging system of such facilities has no correspondence with the regular system and lacks fairness in the content of the medical treatment and the expenses.
Definition of Medical Institution
Hospitals, clinics, pharmacies, and physicians inside Japan that provide medical care and pharmaceutical prescriptions, that apply the Minister of Health, Labor and Welfare in Japan appointed National Health Insurance and Social Insurance systems (Government-managed Insurance, Union Health Insurance, and Mutual Aids).
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Special healthcare expenditure charged when consulting a medical institution with advanced and specialized medical service is excluded from the coverage of VIVA VIDA!.
(Moreover, the cost for the letter of referral is also excluded from the reimbursement).
Special healthcare expenditure
Special healthcare expenditure is expenses charged when consulting a medical institution with more than 200 beds without a letter of referral from another medical institution. The cost would vary from 1000 yen to 5000 yen depending on the medical institution.
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When having medical consultation with no National Health Insurance, medical fees more than 100% of the public insurance coverage may be required at some medical institutions. VIVA VIDA! will convert medical fees into 10 (ten) JPY per point and cover them up to 100%.
Medical service fee points
A score system for medical service fees appointed by the Ministry of Health, Labor and Welfare.
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The insurance of VIVA VIDA! covers medical treatment up to 180 days from the first consultation day for each illness or injury.
We hope you have a fast recovery based on physician's instruction.
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Please take medicine based on the physician's instruction.
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Q3
I am living in Japan but went abroad, if I have an injury or illness during my stay abroad will it be covered?
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VIVA VIDA! covers only illness and injuries that happen in Japan.
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Q4
If the medical treatment cost for one illness/injury is from JPY 10,000 and above will the whole amount be reimbursed?
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VIVA VIDA! will reimburse the whole amount as long as it is from JPY 10,000 and above (conversion of JPY 10/ 1 medical treatment fee point). Example: when total medical cost is JPY 12,000, we will reimburse the whole amount.
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Q5
Is sending the VIVA VIDA! medical diagnosis report necessary to receive a claim? Is the payment for the claim forms be reimbursed?
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VIVA VIDA! will reimburse and pay the fee up to JPY 5,500.
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Q6
I have sent my claim form to VIVA VIDA!, how long will it take to process my claim?
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To see the details, click here.
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Q7
Can I make claims for my medical expenses even when I haven't fully paid my premium?
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Yes, but please ensure to pay the monthly premium before claiming any reimbursement.
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Q8
Is regular medical check-up included in the coverage?
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Only medical expenses when illness or injury occurred will be reimbursed.
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Q9
What reimbursement did the member had in the past?
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As for Reimbursement Record, please click Show link below.
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VIVA VIDA! Association paid claims
(The Predecessor of VIVA VIDA MEDICAL LIFE CO., LTD.)
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Q10
Why is the dental treatment will not be covered?
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As for dental treatment, click Show link below.
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About dental treatment
Most of insurance company doesn’t cover dental treatment. Even with the National Health Insurance and Social Insurance, there is an adjustment and limitation to the coverage of the treatment. This is because daily dental care at home can prevent dental problems and payment for the insurance premium would be expensive to cover the routine dental check-up, dental treatment, etc. Our company’s insurance covers a basic need, which is why the premium was made affordable for everyone to be able to join. As for the dental treatment, we recommend you to have daily care of your teeth and, once every six months to one year regular dental check-up. Even with dental treatment, if done during the early stages of tooth decay the dental fee wouldn’t be that expensive. That is why we recommend having a regular dental check-up. It is cheaper and more reasonable to pay the dental fee rather than pay the high priced insurance premium.
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info@vivavida.net