NLB Global and Ningen Dock
We excel at navigating employee benefits for foreign-owned companies in the U.S. because we’re one too.
We offer quality group coverage, including Ningen Dock for eligible employees of foreign-owned companies operating in the U.S.
As a highly regarded international insurance company with over 30 years of experience in the U.S., Nippon Life Benefits provides quality group coverage to employees and expats of foreign-owned companies operating in the U.S.
Ningen Dock (first-dollar preventive coverage for expats) covers annual physical exams with optional spousal coverage. PPO and non-PPO providers cover 100% of eligible charges, with no deductible or copay, up to $2,000 per person annually.
For our Japanese and Korean customers, NLB Global provides support in both languages and cultures, available by phone or on-site. Spanish and English customer support is also available.
We are the U.S. subsidiary of Japan-based Nippon Life Insurance Company®, one of the world’s largest mutual life insurance companies1 with $645 billion in assets2 and an A+ (Superior) credit rating from AM Best3
NLB Global Offers:
• Access to over 1.3 million healthcare providers
• Help finding in-network doctors, hospitals, specialists, and pharmacies
• Multilingual support to assist with plan benefits and claims management
• Personalized care for managing chronic or complex health conditions and coordinating care among healthcare providers.
Ningen Dock Claims Process
Members present their Ningen Dock Benefit Card at their Ningen Dock provider's office.
If the provider is in-network, no further action is needed is needed by the member.
Out-of-network providers may require upfront payment from the member, who can then submit a claim to NLB for reimbursement.
In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.
Ningen Dock: Included in the NLB Global Benefits Package
What is Ningen Dock?
The Ningen Dock Program, inspired by ships that regularly dock in ports for examinations and repairs, offers comprehensive health assessments to individuals.
It is a health examination system developed in Japan for preventive medicine. Its primary objectives are to detect cancer and lifestylerelated diseases early, as well as to confirm overall health status.
By combining various tests, including blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRI, the Ningen Dock aims to identify potential health risks before they become more serious or difficult to treat.
This proactive approach contributes to better health outcomes and longer life spans, making it a cornerstone of Japanese healthcare.
The Ningen Dock comprehensive checkup program promotes preventive healthcare and serves to improve health outcomes by detecting potential health issues early.
How Ningen Dock works*
• Eligible Rotational employees are covered, and spousal coverage is optional
• Ningen Dock Standard benefits include a $2,000 annual maximum per individual ($4,000 buy-up option available for enhanced coverage)
• Pays 100% of covered charges with no deductible or copay.
• Members can go to any provider who offers Ningen Dock services regardless of network participation**
• NLB Global members receive Ningen Dock ID cards in addition to their medical cards
To obtain claim forms (sample claim form on page 5):
• Online Ningen Dock claim form for services provided in the U.S.
• Online Ningen Dock claim form for services provided outside the U.S.
• Or email JCS@nipponlifebenefits.com
Or call the Customer Service:
• English: 1-800-374-1835
• Japanese: 1-800-971-0638
• Korean: 1-877-827-8713
*The Ningen Dock Program may not cover services already payable under other provisions of the Group Policy. **For Ningen Dock services outside the U.S., contact Aetna International at 1-800-231-7729.
Ningen Dock Covered Tests and Examinations
Category
Comprehensive Screen Profile
Blood Biochemistry
Covered Tests and Examinations
RBC Count
WBC Count
Hemoglobin
G O T
G P T
L D H
r-G T P
A L P
Pancreatic Function
Lipid
Diabetes
Kidney Function
Gout
Hepatitis Panel
Thyroid
Misc.
Hematocrit
Blood Platelet Count
Protein Total
Direct Bilirubin
Blood Typing CA-19
Serum Amylase
Total Cholesterol
Triglycerides
Glucose HbA1c
BUN Creatinine
Urea Nitrogen
Albumin
Uric Acid
Hepatitis A Antigen
Hepatitis B Antigen
Hepatitis B Antibody
T S H
Thyroid Ultrasound
Venipuncture
Specimen Collection
Iron
Phosphate
C-Reactive Protein
Rheumatoid Factor
Vitamin D Hydroxy
Dexa Scan
Calcium
Sodium
Potassium
L D L Cholesterol
H D L Cholesterol
CEA
Crawl Test
HIV/AIDS Test
Leukemia Blood Test
HCV Hepatitis C Antibody
Syphilis Test
Chloride
Chlamydia
CT Scan
Gonorrhea
Herpes
HPV Test
Lower Extremity Ultrasound and Color Doppler
MRI/MRA
Policy Series NP 5500, et al, and Booklet-Certificate Series NBM 5100, et al is underwritten by Nippon Life Insurance Company of A merica®marketing name Nippon Life Benefits® , NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 666 Third Avenue, Suite 2201, NY, NY 10017. Nippon Life Benefits is a member company (subsidiary) of Japan -based Nippon Life Insurance Company. Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Benefits may vary by state. For costs and any further details of coverage, including exclusions, any reductions or limitations, and the terms under which the policy may be continued in force, see your Nippon Life Benefits representative.
www.nipponlifebenefits.com