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HOME > Subject search by life stage > When you have a child > Childbirth and Childcare Lump-sum Grant is provided to help cover childbirth expenses
Childbirth and Childcare Lump-sum Grant is provided to help cover childbirth expensesBenefits in cash
 

When they give birth, female insured persons are paid an allowance of 420,000 yen* per child to help cover childbirth expenses. This is called a "Childbirth and Childcare Lump-sum Grant."

Health Insurance Societies will also provide dependent women with a "Dependents' Childbirth and Childcare Lump-sum Grant" in the event they give birth.

*

For childbirth under medical management at medical institutions that have joined the Japan Obstetric Compensation System for Cerebral Palsy (only 22 weeks gestation and above, including stillbirth). For childbirth before 22 weeks gestation or for childbirth at medical institutions that have not joined this system, the amount of the Childbirth and Childcare Lump-sum Grant paid will be 408,000 yen.



Procedure  
 

Using a system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions

In addition to the Childbirth and Childcare Lump-sum Grant, our society provides a benefit of our own (additional benefit). You must complete separate procedures to receive these additional benefit, even if you use this system.
If your childbirth expenses are less than the amount of the Childbirth and Childcare Lump-sum Grant paid, you may apply to receive the difference between your actual childbirth costs and the amount of the Childbirth and Childcare Lump-sum Grant paid.
Please contact the Health Insurance Society for details.

*

To use this system, conclude a contract with the medical institutions regarding application for the benefits under the Childbirth and Childcare Lump-sum Grant and receipts of it. Please contact the medical institutions where you plan to give birth for details.

 

When not using a system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions

Fill in the necessary details in the form below, get a doctor or midwife to certify that a birth took place, and submit it to the Health Insurance Society.

 

Procedural
Documents:

1.

"Claim for Childbirth and Childcare Lump-sum Grant/ Additional Sum"

2.

A copy of the receipt
(If giving birth under the medical administration of a medical care institution or other member facility of the maternity medical care compensation scheme, a receipt indicating this fact)

3.

A copy of details of childbirth expenses
(Showing a breakdown of childbirth expenses and other costs and a statement indicating the content matches that of the dedicated claim form)

4.

Copy of childbirth-cost receipt/details
(The content of the copy shall state that no proxy contract has been concluded with the medical institutions concerning the system of direct payment, And for childbirth under medical management at medical institutions that have joined the Japan Obstetric Compensation System for Cerebral Palsy, the receipt/details must be stamped to certify that the birth was eligible for that system.)

 

The following documents must be attached for a childbirth overseas:

Procedural
Documents:

1.

"Claim for Childbirth and Childcare Lump-sum Grant/Additional Sum"

2.

Documents issued by the overseas medical care institution or other facility where the birth took place (birth certificate, receipts, etc.)

3.

Japanese translations of the above

4.

A copy of document(s) attesting to the fact of travel overseas (passport, etc.)

5.

A letter of consent permitting inquiries with the overseas medical care institution or other facility where the birth took place regarding the fact of the birth, details, and so forth

See here if you wish to register the newborn child as a dependent. >> "How to register a family member as a dependent (dependent certification)"



A system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions
-It is now possible to reduce the amount of childbirth expenses paid directly to the medical institutions-

Under this system, after concluding a proxy contract between the insured person and the hospital, clinic, or maternity clinic (hereinafter referred to as "medical institutions") regarding application for the Childbirth and Childcare Lump-sum Grant (or Dependents' Childbirth and Childcare Lump-sum Grant) and receipts of it, the medical institutions may apply for and receive payment of the Childbirth and Childcare Lump-sum Grant on behalf of the insured person, up to the maximum payment amount.

As a result, using this system, the insured person needs to pay to the medical institutions only the amount of childbirth expenses remaining after deducting the amount of the Childbirth and Childcare Lump-sum Grant. When the amount of childbirth expenses is less than the amount of the Childbirth and Childcare Lump-sum Grant, the Health Insurance Society will pay the difference to the insured person directly.

Procedures

Please have the medical institutions where you plan to give birth explain the system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions.

To use this system, please exchange two copies of a proxy contract to apply for and receive the Childbirth and Childcare Lump-sum Grant. One copy should be retained by the insured person; the other copy should be retained by the medical institutions.

Please show your health insurance card when you check in to the medical institutions, and when you check out, obtain a statement providing a breakdown of the childbirth expenses..

Please contact the medical institutions where you plan to give birth for details.

*

Note that during this fiscal year the system of direct payment of Childbirth and Child-Care Lump-sum Grant to medical institutions may not be available at some medical institutions.



In the case of our health insurance society

Our Health Insurance Society provides a benefit of our own (additional benefit) on top of the Childbirth and Childcare Lump-sum Grant.


Amount paid by our health insurance society
Benefits for each baby delivered (even in cases of stillbirth or miscarriage)

Delivery by insured women
570,000 yen (Childbirth and Childcare Lump-sum Grant 420,000 yen* + Additional Childbirth and Childcare Expenses 150,000 yen)

Delivery by dependent women
570,000 yen (Dependents' Childbirth and Childcare Lump-sum Grant 420,000 yen* + Dependents' Additional Childbirth and Childcare Expenses 150,000 yen)

*

If you use the system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions, the amount of the Childbirth and Childcare Lump-sum Grant paid (420,000 yen*) will be paid directly to the medical institutions, not to the insured person or dependent. If your childbirth expenses are less than the amount of the Childbirth and Childcare Lump-sum Grant paid, you may apply to receive the difference between your actual childbirth expenses and the amount of the Childbirth and Childcare Lump-sum Grant paid.

*

If twins are born, a benefit is paid for each child.

*

For childbirth under medical management at medical institutions that have joined the Japan Obstetric Compensation System for Cerebral Palsy (only 22 weeks gestation and above, including stillbirth). For childbirth before 22 weeks gestation or for childbirth at medical institutions that have not joined this system, the amount of the Childbirth and Childcare Lump-sum Grant paid will be 408,000 yen.



Definition of childbirth

When used in relation to health insurance, the term "childbirth" refers to births, stillbirths, and elected abortions four months (85 days) or more into pregnancy. In the case of normal births, which does not qualify for medical care covered by health insurance and thus for which benefits in kind are not provided, a Childbirth and Childcare Lump-sum Grant is provided in cash as a subsidy for childbirth expenses.
Health insurance covers abnormal births and the like by treating these as illnesses, and physical disorders accompanying childbirth.



What is "The Japan Obstetric Compensation System for Cerebral Palsy"?

The Japan Obstetric Compensation System for Cerebral Palsy will pay 30 million yen (6 million yen in a lump-sum grant and 24 million yen in installments paid over 20 years) in compensation if a child is born with cerebral palsy, even in cases of ordinary pregnancy and childbirth.

Childbirths eligible for compensation must meet all of conditions (1)-(3): (1) childbirth following at least 28 weeks of pregnancy; (2) case of cerebral palsy equivalent to a grade 1 or grade 2 physical disability; (3) case of cerebral palsy not due to congenital factors or factors arising in the neonatal period (Evaluation criteria for compensation differ depending on the date of birth. See "The maternity medical care compensation scheme: (Japan Council for Quality Health Care)" for more information).

Persons giving birth at medical institutions that have joined the Japan Obstetric Compensation System for Cerebral Palsy (only 22 weeks gestation and above, including stillbirth) are eligible under this system and will be provided with registration certificates.

Additionally, an amount of 12,000 yen is added to the amount of the Childbirth and Childcare Lump-sum Grant paid to cover system premiums.



Q&A
Q

Both my wife and I work as employees. We are separately covered by the Employees Health Insurance. Which policy will cover my wife's childbirth benefits?

A

A married woman receives childbirth benefits as the insured person in the event both she and her husband work. She cannot receive benefits as a spouse simultaneously.



Index Top
When you have a child
  How to register a family member as a dependent (dependent certification)
  Childbirth and Childcare Lump-sum Grant is provided to help cover childbirth expenses
  Maternity Allowance is provided to cover a part of your living expenses during maternity leave
  Our Health Insurance Society offers loans to cover childbirth expenses
Index



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