ここから本文です。

更新日:2018年3月1日

4. 保険 (英語)

4 Insurance

If you live in Japan, you are required to have some form of public health insurance. There are two types of health insurance in Japan: Employees Health and Pension Insurance (Shakai Hoken) offered to employees working at companies and factories and National Health Insurance (Kokumin Kenko Hoken) for self-employed or unemployed people.

If you are enrolled in public health insurance, you are generally required to pay only 30% of the medical expenses which are standardized throughout the country. However, if you do not have public health insurance, you will end up paying a considerable amount since you will be responsible for paying all the expenses.

(1) Treatment Not Covered by Insurance

Although as a general rule public health insurance will cover 70% of the total medical expenses, it is important to know that there are treatments that are not covered by insurance.
・ Normal pregnancy and childbirth
・ Abortion performed for non-medical reasons
・ Health check-up and complete physical examination (Some municipalities may partially cover the expenses.)
・ Immunization
・ Plastic surgery and orthodontics
・ Injuries or accidents that occurred on the way to work or at work (reimbursed by workers’ compensation insurance (Rousai Hoken).
・ An additional charge for a bed, for example when staying in a private room at the hospital
・ Examinations, surgeries, treatments and drugs not covered by health insurance

(2) Public Health Insurance

1. Employees Health and Pension Insurance (Shakai Hoken)

Since Employees Health and Pension Insurance is processed by the company you work for, check with your employer regarding the enrollment procedures. After you become enrolled, you will receive an insurance card. Make sure you do not lose this card since it is a proof of having insurance. The premium for the insurance will be deducted from your pay. The premium amount is dependent on a few factors such as your salary. Your employer pays half of the premium and you pay the other half.

2. National Health Insurance (Kokumin Kenko Hoken)

If you are a registered alien qualified to stay in Japan and are not enrolled in your company’s Employees Health and Pension Insurance scheme, you must enroll in National Health Insurance. In addition, if the duration of stay was set to less than three months at the time of entry and you have been allowed to extend your stay in Japan to over three months, you will be required to join the National Health Insurance (this does not apply to those who are staying in Japan for only a short period of time.) You will need to file the paperwork at the National Health Insurance Division of the local municipality at which you completed your alien registration. Once you enroll in the National Health Insurance, you will remain enrolled unless you file the appropriate paperwork. If the beneficiary’s status changes for such reasons as the beneficiary enrolls in Employees Health and Pension Insurance, a child is born or the beneficiary is deceased, it must be reported to the municipal office within 14 days. The same applies in case you lose or damage your insurance card.

Change of address must be reported accordingly as well. If you are moving, go to your local municipal office to notify the date you are moving. Once you move to a new place, report the address change to the municipal office in your new neighborhood within 14 days.

If you are leaving Japan, you will be required to bring documents such as your insurance card, seal (if you have one), Certificate of Alien Registration and your plane ticket and file the necessary paperwork (unless you are leaving the country temporarily).

You will be required to pay the premium yourself. You can pay at the bank or a municipal office by bringing the notification of payment sent by the municipality with you or you can make a deposit via a bank transfer from your bank account. There are cases where a public official makes a home visit to collect the premium.

The premium amount varies among municipalities and is determined on the basis of factors such as the income level and number of people in the household. If you have lived in Japan for less than a year, and thus you received no income in Japan in the previous year, the premium for the first year will be the minimum level and it will change according to your income from the following year. In addition, if you are 40 or over and less than 65 years of age, you will be required to pay the premium for nursing insurance (Kaigo Hoken) as well.

(Table) Difference between National Health Insurance and Employees Health and Pension Insurance

  National Health Insurance
(kokumin kenko hoken)
 Employees Health and Pension Insurance
(shakai hoken)
Eligibility Those who will live in Japan for more than a year Those who have a status of residence which permits work with a company or other business entity
Procedures At National Health Insurance Division, Koriyama City Hall Your employer takes care of necessary paperwork
Premiums Full amount Withheld at source (employer pays 50%)
 

Illness and injury

You (the subscriber) and your family members bear 30% of the medical costs incurred. (Those below 18 years → free of charge; Those older than 70 and below 75→10%)  

Illness and injuries that occur outside of work are treated the same as shown at left. Illness and injuries occurred during work are eligible for worker’s compensation.

High-cost medical care benefit system When your monthly out-of-pocket medical expenses reach a certain amount, you may apply for partial reimbursement.
Other

You will be issued with a health insurance card.

National Health Insurance Division, Koriyama City Hall
TEL: 024-924-2141
E-mail: kokuho@city.koriyama.fukushima.jp

 

よくある質問

このカテゴリのよくある質問一覧へ

お問い合わせ

文化スポーツ部国際政策課 

〒963-8601 福島県郡山市朝日一丁目23-7

電話番号:024-924-3711

ファックス番号:024-935-7834

kokusaiseisaku@city.koriyama.fukushima.jp

より良いウェブサイトにするためにみなさまのご意見をお聞かせください

このページの情報は役に立ちましたか?

このページは見つけやすかったですか?

その他市政に関するご提案・ご意見はこちらへ