Life Insurance for those going to Japan should be available at normal terms, whether the purpose of your trip is business or leisure. If you plan on staying in Japan for more than 30 days at a time, the insurer that you approach for Life Insurance may ask you for a few more details about your travel. You may be asked to clarify further why you plan on being in Japan and the activities you will be doing whilst there. You may find that your Life Insurance is offered at non-standard terms if you work in a high risk occupation or partake in hazardous pastimes.
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If you plan on travelling to Japan to take advantage of the natural environment that perfectly lends itself to mountaineering, whitewater rafting and diving, then take a look at our specialised sports pages here.
Critical Illness Cover
Critical Illness Cover can often be arranged at normal terms when you travel to Japan. General holiday vacations and short business trips will cause little concern to the insurers, when your journey lasts less than 30 days. For journeys to Japan lasting longer than 30 days, it is possible that the insurer will ask you for additional information about the purpose of your trip to the country.
As with Life Insurance, if you plan on going to Japan to take part in extreme sports, then you will need to fully discuss your activities in your Critical Illness application. Depending upon the insurer that you approach you could be looking at non-standard terms for Critical Illness Cover, if the sports you take part in are deemed to be of a high risk nature.
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Income Protection will typically be available at normal terms when you travel to Japan. The insurer will ask you about your occupation and specific work tasks, and will be particularly interested if your journey to Japan is related to your work. If you are going to Japan for work purposes you may be asked about the amount of time that you will be required to be outside of the UK in any given year due to your work. Depending upon the amount of time that you spend abroad and the nature of your occupation, it is possible that Income Protection will be offered at non-standard terms.
When applying for Income Protection aim to get the policy set up on an 'own occupation' definition. This will give you access to the strongest claims definition if you are unable to work, specifically assessing your ability to work against the job role that you do.
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