Kobe International Community Center

National Health Insurance

National Health Insurance Q&A

 

National Health Insurance is a system whereby those enrolled support each other by paying regular insurance premiums, so that if they become sick or suffer injury they can receive medical treatment without having to worry because they are only responsible for a portion of the cost.

Eligibility
 Foreign residents who have completed resident registration procedures, who are permitted to stay in Japan for more than three months, and who are not enrolled in workplace health insurance are obliged to enroll in the National Health Insurance system.
Visitors on "short-stay" visas are not permitted to enroll.

Registration
 Take your residence card (or alien registration card/documentation confirming your status of residence) to the ward office or branch office where you have completed residence registration procedures, and complete the administrative procedures.


In addition, you must complete administrative procedures at the ward office or branch office where you live within 14 days in any of the following cases.
Complete procedures for enrollment in National Health Insurance:

  1. If you move into Kobe City
  2. If you have withdrawn from workplace health insurance, or stopped being a dependent family member
  3. If you have a child
  4. If social welfare payments have been revoked (suspended)

 

Complete procedures for withdrawal from National Health Insurance:

  1. If you change your residence by moving out of Kobe City or leaving Japan
  2. If you have joined workplace health insurance, or become a dependent family member
  3. In the event of death
  4. If you have started receiving social welfare payments

 

National Health Insurance Payments
Payment for Treatment
If you become sick or suffer an injury, you can receive treatment while only having to pay a portion (co-payment) of the cost if you show your National Heath Insurance card at the desk of the hospital or clinic.

Co-payment percentages

Children under school age 20%
Schoolchildren to age 69 30%
Elderly aged 70–74

20% or 10% (born on and

before April 1st, 1944)
(may be 30%, depending on income)


Payment of lump-sum childbirth/childrearing payment
 If you are enrolled in National Health Insurance, you will receive a lump-sum childbirth/childrearing payment.
If you have given birth at an obstetric institution registered with the Japan Obstetric Compensation System for Cerebral Palsy \420,000
All other cases \404,000
 To apply, you will need your National Health Insurance card and your Mother and Child Health Handbook, Birth Notification and other documentation. For details, please ask at the National Health Insurance and Pensions Desk at your local ward office or branch office.

Payment of funeral allowance
 If a person enrolled in National Health Insurance dies, a funeral allowance of \50,000 yen will be made to the person who arranged the funeral.

Premiums
National Health Insurance premiums are calculated as shown below.
(1) Medical Care Premium
(2) Long Life Health Care Premium
(3) Long-term Care Premium
        Premium (3) is paid by households containing at least one member aged between 40 and 64.
   

(i) Percentage of income (calculated according to the total taxable income of all enrolled household members): FY2016 net income for calculation purposes x 11.55%

(ii) Standard amount per person covered by insurance (depends on the number of enrolled household members): \24,690 x number of enrolled household members

(iii) Standard household amount (per household): \26,990

  (i) Percentage of income (calculated according to the total taxable income of all enrolled household members): FY2016 net income for calculation purposes x 3.23%

(ii) Standard amount per person covered by insurance (depends on the number of enrolled household members): \7,080 x number of enrolled household members

(iii) Standard household amount (per household): \7,740
  (i) Percentage of income: FY2016 net income for calculation purposes of persons enrolled in National Health Insurance aged between 40 and 64 x 3.22%

(ii) Standard amount per person covered by insurance: \7,560 x number of enrolled household members aged between 40 and 64

(iii) Standard household amount (per household): \6,030
   
(i) + (ii) + (iii) = amount of annual premium (up to a maximum of \540,000)   (i) + (ii) + (iii) = amount of annual premium (up to a maximum of \190,000)   (i) + (ii) + (iii) = amount of annual premium (up to a 6aximum of \160,000)
   

 

National Health Insurance Q&A

 


The translation is based on the data available as of June, 2016. Please note that new systems, system changes etc. may have been introduced after this date. Responsibility for the linked websites lies with their creators. Kobe City accepts no responsibility for their content etc.