 |
| What is health insurance? |
 |
|
|
| |
|
One of the questions that causes us the greatest concern
in our everyday lives is how to finance medical treatment and
support ourselves when someone in our family becomes sick or
injured. We have the same concerns regarding childbirth and death
expenditures. Health insurance is a system designed to prepare
us for unexpected outlays and ease our sense of anxiety. The
system provides the medical treatment and cash we need in the
event of sickness, injury, childbirth, and death. The insurance
premiums paid by workers and their employers based upon their
earning levels support this system. |
 |
What is a Health Insurance Society? |
 |
 |
| |
 |
|  The advantages of a Health Insurance Society
|
 |
(1) |
As well as being able to implement insurance measures
tailored to suit the age structure, ratio of males
and females, illness trends, etc. of insured persons
and their dependents, a Health Insurance Society is
also able to actively implement health management and
other programs in cooperation with employers.
|
(2)
|
Health Insurance Societies can offer additional benefits depending on the circumstances of each Society.
|
| (3) |
As well as being able to build its own health and
recreation facilities, establish contracted health
resort facilities, a Health Insurance Society is also
able to help develop physical strength of its insured
persons and their dependents by providing assistance
for athletic activity promotion and other programs.
|
| (4) |
Within the scope of legally permitted financial operations,
Health Insurance Societies from around the country
can pool their contributions to subsidize high-cost
medical care expenses and assist Health Insurance Societies
in financial difficulties.
|
| (5) |
A Health Insurance Society may set general premium rates within the range between 30/1000 and 130/1000, in accordance with its financial status. In addition, with regard to the share of premiums paid by insured persons and by employers, the society may choose to reduce the share paid by the insured.
|
|
|
| Medical care insurance in Japan |
|
|
Employees
Health
Insurance |
1. Society-managed Health Insurance |
|
2. Health insurance plan managed by the National Health Insurance Association (Kyokai Kenpo) |
|
3. National Government Employees Mutual
Aid Associations, Local Government
Employees Mutual Aid Associations |
|
4. Private School Teachers and
Employees Mutual Aid Association |
|
5. Seamen's Insurance |
|
Commnunity-
based Health
Insurance |
National Health Insurance
(insurance directed at those engaged in agriculture,
forestry and fisheries, the self-employed,
retires, and others) |
Medical services
for persons
in the latter stage of old age
Health insurance for individuals
aged 75 or over |
Medical service system for persons in the latter stage of old age |
|
|
|
|
|
