Medical Insurance System in Japan

 

Public medical insurance system in Japan

 

Illness can strike at anytime, and there is the danger that an uninsured person might get very ill and not be able to afford expensive medical treatment. In order to prevent this, Japan has a compulsory insurance scheme, and all those living in Japan must be covered by some form of insurance.  There are three medical insurance systems in Japan: the gSocial Insurance Systemh for those working at a company or office; the gNational Health Insurance Systemh for those uncovered by the Social Insurance System.; and the gAdvanced Elderly Medical Service Systemh for those aged 75 years (including those with certain disabilities aged 65) or older.

 

1.     Social Insurance

 

@      For those working in a company which is covered by the Social Insurance System:

 

ID  Application and payment of premiums

       Apply through the company where you work.

 

IIDPercentage of medical fee to be paid by insured persons:

Those below than school age (until March 31 following the childfs 6th birthday)   20%

                  Those aged 70 through 74   20“ (10% for those who had their 70th birthday before April 1, 2014)

                    ( those with income higher than a certain level    30“)

                  Others                30“

              @@¦  The cost of meals served during hospitalization (Meal and utility costs during hospitalization of those 65 years old or older) is calculated separately.

 

IIIDInsurance card

                   Please carry your health insurance card with you all the time and do not lose it, as it certifies that you are insured. 

 Take it with you whenever you go see a doctor and also when traveling in Japan.

 

2.     National Health Insurance (excluding those covered by Social Insurance)

 

You can apply for National Health Insurance if you are an eligible resident who should be covered by the Basic Resident Registration Act (residence visa status of 3 months or more is necessary).  Even if you are not an eligible resident as already mentioned, in case you are recognized as a resident staying for 3 months or more in Japan, you can also apply for National Health Insurance.

It is not necessary for people who have family members working at a company which is covered by the Social Insurance to apply for National Health Insurance, when they have social insurance as non-working dependents.

 

IDApplication and payment of premiums

Please apply at the National Health Insurance division of the municipal office of your residence.  When you apply, you might be requested to bring what is required by the divisions of local municipalities, such as your passport, resident card, etc. (Required documents may differ among the local municipalities.)

The insurance premium is calculated on a one-year basis, from April of the present year to March of the next year, based on your income from previous year in Japan, and the number of family members. The amount varies somewhat in different cities, towns and villages.

 

IIDPercentage of medical fee to be paid by insured persons:

Those below than school age (until March 31 following the childfs 6th birthday)   20%

                  Those aged 70 through 74  20“ (10% for those who had their 70th birthday before April 1, 2014)

                    ( those with income higher than a certain level         30“)

                 Others                      30“

¦  The cost of meals served during hospitalization (Meal and utility costs during hospitalization of those 65 years old or older) is calculated separately.

 

IIIDInsurance card

                   Please carry your National Health Insurance Card with you all the time and do not lose it, as it certifies that you are insured. 

Take the National Health Insurance Card with you whenever you go see a doctor and also when traveling in Japan.

 

3.  Advanced Elderly Medical Service System

 

Those aged 75 years or older (including those with certain disabilities aged between 65 and 74 years old) are covered.

You can apply for Advanced Elderly Medical Service System if you are an eligible resident who should be covered by the Basic Resident Registration Act (residence visa status of 3 months or more is necessary).  Even if you are not an eligible resident as already mentioned, in case you are recognized as a resident staying for 3 months or more in Japan, you can also apply for Advanced Elderly Medical Service System.

 

I.   Notification and application

Conducted at the elderly health care desk in the office of the municipality or ward where you live.  Besides your passport and/or resident card, etc., other accompanying documents might be required. (Required documents may differ among the local municipalities.)

 

II.   Percentage of medical fee to be paid by insured persons:

                10“ or 30“ (those with income higher than a certain level)

 

III.   Insurance Card

For those eligible, the gAdvanced Elderly Medical Service Systemh certificate will be issued.  Please carefully keep the gAdvanced Elderly Medical Service Systemh certificate issued to you, as it certifies that you are insured.

Take it with you whenever you go see a doctor and also when traveling in Japan.

 

Notes:

 

i.   Your insurance or gAdvanced Elderly Medical Service Systemh will not cover the following casesF

                  Normal pregnancy and childbirth

              Health examinations

              Inoculations, etc.

 

ii.   When you receive medical service and have to pay the full medical charge, but you forget your insurance card:

                 Bring the receipt, detailed list of medical services and insurance card to the following office:

                 For Social Insurance

Japan Health Insurance Association prefectural branch or Health Insurance Society For National Health Insurance or Advanced Elderly Medical Service System The National Health Insurance or Advanced Elderly Medical Service System division at the municipal (or ward) office in your new resident area.

                After examination, the amount which is covered by the insurance will be refunded.

 

iii.  In case the one covered by the National Health Insurance or Advanced Elderly Medical Service System moves to another city or ward;

It is necessary to return the insurance card to your respective city or ward office, and apply for a new card at the municipality (or ward) office in the area to which you move.

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