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Medical Insurance - National Health Insurance

There are two types of insurance systems: one which employees enter at their place of work, and one entered at and administrated by the city, town, or village in which you live called National Health Insurance (kokumin kenko hoken).

National Health Insurance

National Health Insurance is for those expecting to live in Japan for one year or more, and who do not enter a health insurance scheme at their workplace.
Apply at the Insurance and Medical Treatment Division, Kochi City Office.

Necessary documents for application:
- foreign registration card
- personal seal
- proof in the form of certification of your intention to stay in Japan for one year or more e.g. certificate of enrollment at a school, research plans, certificate of employment, etc.

Insurance Coverage

- At hospitals or other places of medical examination, show your health insurance card at the reception window. This will allow you to undergo examination for only 30% of the total bill incurred. (20% for children under the age of 6, and 10% or 30% for senior citizens between 70 and 75 years of age.)
- When giving birth, the insured may receive 380,000 yen (or 350,000 yen) for fees incurred in the birth.
- In the event of death, the insurance provides 50,000 yen for funeral costs.
- If in one month, the total amount of medical bills paid at the same hospital or clinic is more than that household's payment limit for that month, on application the excess will be provided for as a "high expense medical treatment payment". For more information, please contact the Insurance and Medical Treatment Division.

Insurance Payment

Once entering an insurance scheme, it is important that you make sure that monthly payments are made by the appointed date or you will not be able to use your insurance.
The amount payable is subject to change each year and varies with respect to family details, income, and other factors. For your own specifics ask at the Insurance and Medical Treatment Division 088-823-9359.
The most convenient way of making insurance payments is through automatic bank payments which ensures that the process is completed in a timely fashion. Where payments are not made by automatic bank transfer, a bill will be sent to you and you can make the payments at your chosen financial institution or at the Insurance and Medical Treatment Division by the due date.

Health Insurance Card

Health insurance cards are given out to all persons entered into the health insurance plan. Show your insurance card without fail whenever you undergo medical treatment or consultation. Make sure that you do not lose your card.
The Insurance and Medical Treatment Division must be notified in the following cases:
- when joining or leaving the insurance scheme / joining another insurance scheme
- when moving to or coming from another city / from overseas
- on the birth of a new baby
- on the death of an insurance holder
- in the case of change to household members, name, or address
- when you become eligible for medical treatment after retirement
- on the loss of your insurance card
- when you start / stop receiving welfare support
- when your child lives away from home in order to attend school

Health Care System for the Retired (For person who receives a pension under the age of 64)

Insured, retired persons meeting the following criteria as well as their dependants, are eligible to receive benefits from the retirement health care plan.
You must:
- be enrolled in National Insurance
- not have applied for the senior citizens health plan
- be receiving retirement pension from an employee's pension system such as Public Welfare or Mutual Aid.

*Persons receiving payments from the retirees pension system must have been enrolled in a pension system such as Public Welfare or Mutual Aid for more than 20 years (this does not include the National Pension Plan). Persons entering a pension plan after age 40 must be enrolled in the system for at least 10 years before receiving benefits.

For more information: Insurance and Medical Treatment Division 088-823-9360

In Japanease

国民健康保険

 保険には2種類の制度があります。1つは職場で雇用者が入る保険で,もう1つは国民健康保険とよばれるもので,居住する市町村が管轄する保険です。

国民健康保険

 国民健康保険は1年もしくはそれ以上日本に居住し,職場での健康保険に加入していない人のためのものです。高知市役所保険医療課へお問い合わせください。

申し込みに必要なもの

  1. 外国人登録証
  2. 印鑑
  3. 日本に1年もしくはそれ以上滞在することを証明する書類  

          例:学校への入学,研究計画,雇用などを証明するもの

保険の範囲

 病院などの医療機関の窓口で保険証を提示してください。そうすれば,請求額の30%の自己負担で受診できます。(6歳以下の子どもは20%,70から75歳の高齢者は10から30%の自己負担で受診できます。)

  1. 出産時には,被保険者は出産一時金として38万円もしくは35万円を受け取ることができます。
  2. 死亡の場合,葬祭費として5万円が支給されます。
  3. 1月内に同一医療機関で支払った医療費の合計がその月の世帯の限度額以上になった場合は,申請すれば,高額療養費として超過分が払い戻されます。詳細は保険医療課にお問い合わせください。

保険料の支払い

 一度保険に加入すると,納期限までに月々の支払いをしてもらうことが重要です。そうしないと,保険が使えなくなります。保険料額はその年々により変わり,また世帯構成や収入,その他の要因によっても変わります。具体的な個別事項については保険医療課までお問い合わせください。

 一番便利な支払い方法は,確実な口座振替です。口座振替を申し込まれていない方には,納付書が送付されますので,納期までにお近くの金融機関もしくは保険医療課でお支払いください。

 

保険証

 保険証は保険に加入された方すべての人に渡されます。医療機関にかかった場合は忘れずに保険証を提示してください。保険証をなくさないように注意してください。

 下記の場合には,保険医療課にお知らせください。

  1. 保険の加入・脱退の場合/ 他の種類の保険に加入した場合
  2. 他の自治体への転出,他の自治体からの転入/海外からの転入
  3. 出生
  4. 世帯構成人数,名前,住所の変更があった場合
  5. 退職者医療制度への移行
  6. 保険証の紛失
  7. 生活保護開始,終了時
  8. 学校への入学に際して他の市町村へ転出する場合

退職者医療制度(64歳以下の年金を受給している方)

 下記の基準に該当する被保険者とその扶養家族は,退職者医療制度の保険となります。

  1. 国民健康保険に加入している
  2. 厚生年金や共済年金などの年金制度から,年金を受給している

*退職者医療制度に該当する人は厚生年金や共済年金に20年(または40歳以降10年)以上加入していた方です。

(これには国民年金は含まれません。)

詳細は,保健医療課 088-823-9360まで