Although the Health Insurance Society pays benefits
for high-cost medical care such as those incurred for hospitalization,
since these benefits are actually paid to the insured approximately
three months following examination and treatment, not a few insured
households would find it difficult to make ends meet over this
period.
For this reason, a system has been developed to provide interest-free
loans for covering current-account payments over the period until
payment of benefits for "high-cost medical care." As part of its
operations, the Tokyo General Health Insurance Society Promotion
Association handles this system, known as “short-term loans program
for benefits for high-cost medical care.”
Since the Health Insurance Society is a member of this association, this
system is available for use by any insured persons. Please feel free
to apply to take advantage of this system.
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1.Borrower requirements
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This system is available for use only by persons expected
to receive payment of benefits from the Health Insurance Society
for high-cost medical care (not including costs not eligible
for insurance coverage, such as those for higher-cost beds, which
will not be included in calculation of benefits for high-cost
medical care).
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2.Application method
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Attach to the “Application for Short-Term Loans for Benefits
for High-Cost Medical Care” a certificate or a copy of a bill
issued
by the medical institution that shows the insurance coverage
score for the subject medical expenses, have these certified
by your employer, and submit them to the Health Insurance Society’s
Benefits Section.
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3.Loan amount
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90% of the amount corresponding to the subject high-cost medical
care expenses (rounded down to the nearest 1,000 yen)
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4.Remittance of loan funds
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The loan funds will be remitted to your designated bank account.
(No fees are required.)
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5.Repayment and settlement of loan funds
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When the Health Insurance Society has determined the amount
of high-cost medical care expenses, it will repay the loan to
the Tokyo General Health Insurance Society Promotion Association
directly.
The approximately 10% of the amount of high-cost medical care expenses
remaining after repayment of the loan will be paid by the Health
Insurance Society.
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