Health Insurance In Japan: A Guide For Long-term Residents - PLAZA HOMES Insurance japan

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Poste date: Wednesday, February 21, 2018

One about the greatest things about moving to foreign nation is that it's always full about new surprises - but not all surprises are good. For expats who have come from the United States, you are likely informed about the ever-rising costs that can accumulate accompanied by even a quick visit to the emergency room. Then, there is and the story a while ago about an Australian couple who was charged a million-dollar infirmary fee inside Canada. Bottom line: each nation has its own cover system, also learning about it before your travels can save you unnecessary costs also stress.

While current to a infirmary inside Japan–where the majority about the healthcare workers only speak Japanese–can appear scary, it doesn't have to be. And luckily, it is unlikely that expats inside Japan will face crushing debt inducing medical costs.

So, what cover plans are available? And how much are the premiums? Here it shows how you can better make or get ready yourself appropriate to when the unexpected occurs while living inside Japan.

How to Apply appropriate to Japanese Health Insurance

There are two types about state cover available to those living inside Japan. All persons living inside the country–both citizens also expats accompanied by long-term visas–are required via law to enroll inside either an Employee Health Insurance (kenkô hoken) or the country's National Health Insurance (kokumin kenkô hoken). However, via an agreement accompanied by certain countries, this enrollment can be present waived. The deciding factors inside which cover you will be present enrolling inside is 1) whether or not you work appropriate to a Japanese boss also 2) whether or not the Japanese boss offers this state cover benefit.

Japan Employee Health Insurance (Kenko Hoken 健康保険)

Employee Health Insurance (EHI), when the name suggests, is an employment-based state insurance; meaning, your boss pays fifty per cent about your EHI premium. The more fifty per cent is just deducted from your monthly paycheck. The cover covers 70 percent about your medical bills (and a scrap of about your dependent family members when well).

The fee appropriate to this cover depends on your income. For example, the fee appropriate to a 30-year-old, single Tokyoite who earns an average monthly salary about 310,000 JPY will be present around 15,000 JPY (with the company paying the remaining 15,000 JPY). To register appropriate to this kind about insurance, all you have to do is become an employee; the Japanese company's human resource section will take care about the paperwork, also you will soon be present issued an cover card.

Japan National Health Insurance (Kokumin Kenko Hoken 国民健康保険)

National Health Insurance (NHI), on the more hand, is appropriate to those who are under the age about 75 also either unemployed, self-employed (including contractors), or retired, when well when the dependent family members about those just mentioned.

Just like the EHI, the NHI covers 70 percent about your infirmary bills. To apply, you must visit the Residential Affairs Division at your local City Office or Ward Office. The fee is based on your age also your previous year's income.

Long Life Medical Care System (Choju Iryo Seido 長寿医療制度)

For those who are 75 years also older or are over the age about 65 accompanied by a registered disability, the Long Life Medical Care System (chôju iryô seido) is applicable.

Managed via your local government, the fee fees also cover coverage depends on the insured's income. For low-income individuals, the cover may cover up to 90 percent about all medical bills, while appropriate to others the standard 70 percent applies.

Private Insurance

Foreign travelers also short-term residents visiting appropriate to a month or two won't be present eligible to apply appropriate to EHI or NHI, but they can still purchase cover plans from private companies. Some companies, when Viva Vida Medical Life, offer short-term (e.g., 1-, 2-, 3- also 6-month) cover plans while staying inside Japan that cover 100 percent about the medical fees appropriate to a scrap of illnesses, injuries or hospitalizations totaling up to 1.6 million JPY.

For travelers staying longer than 6 months, companies like HealthOne provide a 1-year plan, on top about their 3- also 6-month plans. All plans cover up to 2 million JPY about infirmary also clinic costs.

While private cover is rarely directly accepted via Japanese hospitals, it is and the only cover option appropriate to short-term residents. Having to reward medical bills inside full upfront also filing a claim may not sound appealing appropriate to most, but it will be present worth it when the reimbursement is issued.

Japan Health Insurance Recap

While state cover is mandatory inside Japan (note: via an agreement accompanied by certain countries, this enrollment can be present waived), it is and pretty easy to obtain affordably (which isn't always the case inside more developed countries). This is largely due to the fact that all medical fees (including surgical procedure fees also medical prescriptions) are reviewed also regulated via the Ministry about Health, Labor also Welfare, when well when the Central Social Insurance Council. There are exceptions, however, such when getting a dental crown or vaccinations (e.g., the flu shot), when these are not covered via insurance.

For a more information, you can download the Ministry about Health, Labor also Welfare's English brochures here.

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This article is posted on label , the date 01-09-2019, quoted from GOOGLE Searcing https://www.realestate-tokyo.com/living-in-tokyo/japan-medical/health-insurance/