Medical insurance in Japan

A health insurance system for foreign students.

1, National Health Insurance (National Insurance)

National health insurance is insurance for those who have no work units. International students who have lived in Japan for more than one year and registered as foreigners should participate in national health insurance. After participating in the national health insurance, international students can go to hospitals all over Japan (except some specialized hospitals) and only pay 30% of the total medical expenses. The family members of the participants are also insured, and they must pay the insurance premium. However, the participation of insurance and the payment of insurance premiums are completed by the head of the household. Medical expenses that are not covered by medical insurance must be paid in full, such as the "differential bed fee" for single rooms in hospitals, the use of high-priced special treatment drugs not covered by medical insurance, and special treatments such as dental crowns, childbirth and induced abortion.

2. Medical expenses subsidy system for foreign students.

The system operates according to the budget of the Ministry of Education, Culture, Sports and Education. Those who have obtained the qualification of "studying abroad" will go through the registration formalities at the International Student Department of their school for free, and only need one photo (length 4cm× width 3cm). Students who have joined the national insurance and hold the qualification of "studying abroad" will become the object of JASSO (Japanese student support organization, independent administrative legal person) medical subsidy system. From the above 30% personal medical expenses, 35% subsidy is obtained.

The medical subsidy system for international students is as follows:

Payment of medical expenses

1, universal health insurance, universal health insurance

2.JASO's Medicaid system JASO's medical expense reimbursement plan.

International students who have not joined the national health insurance.

Student payment 100%

take for example

(

1)$400

International students participating in national health insurance

Insurance payment 70%

(2)$280

Students pay 30%

(3)=( 1)-(2) Yes 120 USD.

Joined JASSO's Medicaid system

(Students who have joined the National Insurance and hold the qualification of "studying abroad")

35% of students' individual contributions will be subsidized again.

(4)= [$ 120 X 35%]

..........=$ 42

Final international students

(Joined Guoan and.

Jesso Medicaid

) medical expenses to be paid:

(3)-(4) = $ 78

Warm reminder

_ The medical expenses used must be paid in advance and subsidized afterwards.

_ International students have no income, so they have to pay very little insurance.

_ Like the national health insurance, according to the content of diagnosis and treatment, this insurance is not applicable. If it is not covered by insurance, the medical expenses must be paid in full.

_ The system is only for international students who are qualified to study abroad, and their families and children cannot enjoy the medical expenses subsidies provided by the system.

3. University medical insurance system.

Many universities have a medical insurance system for students' on-campus medical care. The content of insurance varies from university to university. Please check with the international student window of the university.

Second, the way to participate in health insurance

Participate in the national health insurance (national insurance) and apply to the national health insurance department of the city, district, township and village government where foreigners log in, free of charge. It takes about 15-20 minutes to provide the foreigner's landing card, student ID card and passport (it is best to carry them with you). Joining the national health insurance is based on the date of arrival in Japan, so if you apply for joining later, you may be required to pay the insurance premium from now on.

Holders of 65,438+0-year "study abroad" or "study abroad" residence qualification can join immediately, but holders of 6-month "study abroad" residence qualification may be required to show proof of studying in different places with a predetermined period of more than 65,438+0 years. If there are family members living together, these family members should also join together. After joining, be sure to confirm whether the names of family members are written on the health certificate.

If you change your address, please go to the government window of the new address to submit the old national health insurance certificate and get a new one. If you don't go through this procedure, you won't enjoy universal medical insurance.

Third, the cost of national health insurance.

The premium of health insurance varies according to the city, town and village where you live. The premium is about 65,438+05,000 yen per year (depending on the taxes paid in the last two years).

Fourth, how to pay the insurance premium?

You can pay in installments at the local medical insurance office, bank or post office in the city, township and village, and of course you can automatically deduct the money at the designated bank.

Verb (abbreviation of verb) insurance card

Every insured person (or every family in some cities, townships and villages) will have an insurance card, and only 30% of the medical expenses (only 20% for those under 3 years old) will be paid when the insurance card is presented for medical treatment. People aged 70-74 will have an old-age card in addition to the insurance card, and only need to pay 10% or 20% for medical treatment. The specific payment of 10% or 20% of medical expenses is determined by the income of the insured (the proportion will be temporarily increased to 20% or 30% respectively after April 2009).

Note: Some outpatient medicine fees and meals during hospitalization need to be paid separately.

Matters needing attention in seeing a doctor with intransitive verbs

_ When you see a doctor, you'd better ask a friend or classmate who is familiar with Japanese to accompany you, so as not to make a slip of the tongue and cause trouble.

Many doctors in Japan are used to reading and writing in German, but now some young doctors use English. In order to reduce the chance of slip of the tongue, you'd better ask someone else to be an interpreter to accompany you to the hospital.

_ Choose a good specialist clinic in the community.

Most towns have large municipal hospitals with first-class equipment, but there are also some private clinics run by community doctors. You can find these specialist clinics in your community, including ophthalmology, otolaryngology, internal medicine and dermatology. However, the level of these clinics is uneven, some are run by high-level doctors and some are run by retired old doctors. Just look at whether there are patients in the waiting room of the clinic and you can judge the medical level of this clinic.

Japanese name of hospital (clinic)

Hospital: general practice

Ophthalmic Hospital (Ganka): Ophthalmology

Dermatologist (hifuka): Skin and Sexually Transmitted Diseases

Otolaryngology Clinic (jibika): Otolaryngology Department

Naika: Diseases related to internal organs.

Dentist (shika): dentistry

If you are not sure which clinic to see, you can try to go to a big hospital or ask your classmates, and they will recommend a clinic.

_ looking for a hospital

When you need to see a doctor, you can take a taxi and say "Byoin" to the driver, and then the driver will take you to the nearest hospital. Of course, most drivers in the city know the English word "hospital".

Seven. Counseling institutions when sick.

When I first arrived in Japan, I felt uncomfortable because I was not used to life. Besides, I'm afraid I can't find a good hospital because of the language barrier. At this time, I can consult the following institutions, which can accept foreign language consultation. There are also telephone consultation windows for hospitals, medical systems and other matters, and consultants can answer questions in foreign languages.

name

Say/make a phone call

Contact number

Provide language

Answer time

Tokyo Health Bureau Foreign Language Medical Information Service Center

Medical information service

03-5285-8 18 1

English, Chinese and other languages.

9 a.m.-8 p.m.

Emergency translation service

03-5285-8 185