Medical Insurance System in Japan

Molly
2019.08.02
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Each country has its own medical insurance system; some are great and some are not working very well. Japanese medical insurance system has been working well; however, due to the increase of elderly generation, the system has been changing frequently comparing to the past. It is strongly advisable to visit your local government office for the most recent update about it when you need to join this system.

各国かっこくには独自どくじの医療保険いりょうほけん制度せいどがあります。

良よいシステムの国くにもあれば、そうでない国くにもあります。

その中なかで日本にほんの医療保険いりょうほけん制度せいどはうまく機能きのうしています。

医療保険いりょうほけん制度せいどについての相談そうだんは、市区しく町村ちょうそんの役所やくしょに行いってください。

Mandatory (national) medical Insurance in Japan

Basically, there are two mandatory medical insurance programs in Japan: National Health Insurance and Employees’ Health Insurance (This includes Workers’ compensation). A person is not able to be covered by both. Currently, all foreign residents in Japan who are staying more than 90 days, are required to register one of those two programs. Those programs offer people to get medical treatments at hospitals with reduced fee. The percentage of the cover is depending on age and income. Obviously, Employees’ Health Insurance would need an employer to register; when a person signs a contract, an insurance document would come with it. The fee would be normally deducted from salaries. On the other hand, people need to go to a council or city office to resister for National Health Insurance. People would need necessary paper work such as passport, visa and proofs of residency to register. Moreover, people would need to pay the fee to be fully covered. Therefore, the advance preparation of the medical cover would be recommended. It may be wise to have a personal medical cover from own country until then. When a person moves to a different city; a new registration would be required. People need to report and take necessary steps to withdraw or change between the programs.

日本にほんには2つの医療保険いりょうほけん制度せいどがあります：国民こくみん健康けんこう保険ほけんと会社かいしゃの健康けんこう保険ほけんです。

両方りょうほうの医療保険いりょうほけん制度せいどを兼用けんようすることはできません。

今いま、90日にち以上いじょう滞在たいざいしている外国人がいこくじんは、これら2つの制度せいどのうちの1つを選択せんたくしなければなりません。

2つの制度せいどはともに、病院びょういんでかかった　お金かねの一部いちぶの補償ほしょうします。

補償ほしょうの割合わりあいは年令ねんれいや収入しゅうにゅうによってちがいます。

会社かいしゃではたらく人ひとは、会社かいしゃの医療保険いりょうほけん制度せいどに加入かにゅうします。

保険ほけん料りょうは給料きゅうりょうから差さし引ひかれます。

その一方いっぽうで、医療保険いりょうほけん制度せいどに加入かにゅうするには、住すんでいる市区しく町村ちょうそんの役所やくしょに行いく必要ひつようがあります。

加入かにゅうには、パスポート、ビザ（Visa）、居住きょじゅう証明しょうめいなどの書類しょるいが必要ひつようです。

さらに、保険ほけん料金りょうきんを支払しはらう必要ひつようがあります。

別べつの都市としに引ひっ越こしたときや脱退だったいするときは、役所やくしょに行いき、手続てつづきをします。

Private medical Insurance in Japan

Unlike some countries, medical insurances and treatments in Japan are not free. Thus private medical insurances are widely popular, they are advertised heavily in public such as TV commercials and posters on the public transports. However, people would be required to have advance level of Japanese to fill all necessary documents and understand medical requirements. There are various different coverage available. For instance, the popular coverage would be a plan which pay for a long hospitalization due to a cancer.

日本にほんの治療ちりょうは0円えんではありません。そのため、民間みんかんの医療保険いりょうほけんもあります。

テレビコマーシャルや電車でんしゃやバス、飛行機ひこうき等などの公共交通機関こうきょうこうつうきかんのポスターなどで民間みんかんの医療保険いりょうほけんの　宣伝せんでんを　見みたことはありませんか？

心臓しんぞうの病気びょうき、脳梗塞のうこうそくや癌がんになってしまったときの補償ほしょうや、長期ちょうき入院にゅういんのときに補償ほしょうがうけられます。

ただし、必要ひつような書類しょるいや、医学いがく的てきな　条件じょうけんが分わかるためには、日本にほん語ごの上級じょうきゅうレベルが必要ひつようです。

Recent concerns

A few years ago, the length of the stay to be eligible to register for National Health Insurance was changed. Sadly, this made a lot of foreigners to use this system wrongly. There are a huge increase in falsification of documents to join the system. In some cases, organized crimes are involved to do this process in a large scale.

It is very important to understand correctly about both programs. It might be good idea to look into own country’s insurance policies for an international coverage. When people are sick, they tent to be more vulnerable and it would be nice to have a secure medical coverage so they do not get extra stress by worrying about treatment fee. So They can rest properly and get well soon.

数すう年前ねんまえ、国民こくみん健康けんこう保険ほけんに加入かにゅうするのに必要ひつような日本にっぽんの滞在たいざい期間きかんが変更へんこうされました。