Japanese Health Insurance is mandatory for all residents of the country, be they natives, permanent residents, or foreigners visiting the country for three months. Kokumin Kenkou Hoken is available for those who do not have employee health insurance as determined by law.
Kokumin Kenko Hoken - National Health Insurance
Kokumin Kenko Hoken is intended for those who work as freelancers and for workers who, for some reason, are not enrolled in the shakai hoken. Registration is made by the interested party in the city hall and the fee is calculated based on the income of the previous year, number of dependents and family income. In Kokumin Hoken insurance fee is charged per dependent.
To register, you must go to the local subprefecture with your documents and fill out the registration form. It is mandatory to register within two weeks after becoming eligible, either for loss of employment or relocation. Those who do not register are liable to pay up to two years of late amounts.
The National Health Insurance rate is calculated annually according to the total family income of the previous year. 10 benefits will be charged per year, which can be easily paid at any convenience store.
Benefits of National Health Insurance
When the insured performs consultations or treatments at a medical institution, only 30% of the total medical expense shall be paid and of the preschool children is 20%, of the elderly greater than 70 years is 20 or 30%. And there will be benefits in the event of childbirth or death. And in the case of high medical expenses, the part that exceeds the base value established according to the family's income, can be reimbursed.
High Medical Expense
When the amount of medical expenses becomes too high in the 1 month period, the amount that exceeds the established base value may later be reimbursed by the National Health Insurance. But the amount varies from region to region. The application form will be sent by the City Hall only to those who meet the established requirements. To receive this benefit you will need to have the medical expense payment receipt.
Pregnancy is not considered a disease in Japan. Therefore, the insurance does not cover exams and costs of childbirth. But the pregnant women can receive the maternity allowance (shussan ikuji ichiji-kin), granted to the mothers for each child that is born. When the birth is performed at a medical facility with the emergency compensation system (Sanka iryo hosho seido) and the baby is born more than 22 weeks of gestation, 420 one thousand yen will be provided (in the case of birth with less of 22 weeks of gestation, will be 390 thousand yen). In addition, in the case of abortion or stillbirth the benefit will also be provided if you are over 4 months pregnant.
The benefit will be transferred directly to the medical institution at the request of the applicant. If the cost of the childbirth is less than the amount of the benefit, the difference will be provided to the applicant (the application will be necessary in the National Pension and Insurance Sector of the City Hall). To receive this benefit you will have to have the birth payment receipt or the medical specification.
Bonus for the Birth of a Son
The bonus for the birth of a child is offered to families whose baby is about to be born. In cases of miscarriage or fetal death after 85 days from the date of conception, it is also possible to receive the bonus. For more information, contact the health insurance and national pension sector of the city.
Refund for medical treatment abroad
Those who may have had to use medical services abroad while traveling may request reimbursement of expenses at the city hall. The reimbursement will not apply in cases where the person traveled abroad for the purpose of receiving medical treatment. For more information, contact the health insurance and national pension sector of the city.
When the insured dies, and if the wake-up ceremony is held, 50.000 yen will be provided. You must have the Document that it is possible to confirm the representative of the wake (cremation certificate, etc.). Funeral assistance may be requested at the time of death of a relative by the member of the family responsible for the funeral (moshu). The period for making the request is two years from the day after the funeral.
Medical Expense for Tuberculosis Patients
In the case of patients who fall under the law on medical care for the prevention of infection and infected patients (Article 37), medical expenses are fully covered by the National Health Insurance. No special procedure is required, local Insurance and Pension National of the Prefecture.
Specific Exceptions that the insurance does not cover
If insured do not follow the medical orders; injury or illness resulting from fights or drunkenness; injury or illness resulting from attempted suicide; upgrade to private or semi-private rooms during hospitalization; work injuries (these are employer responsibilities); periodic preventive examinations; induced abortion; dentist; Ophthalmologist…