SAKAE TOWN Livelihood Support Guide
- Home>
- SAKAE TOWN Livelihood Support Guide>
- Emergency/Disaster/Illness>
- 4. How to prevent illness>
- 4. How to prevent illness (4) National Health Insurance
4. How to prevent illness (4) National Health Insurance
Resident Section (0476-33-7706)
(4) National Health Insurance
People living in Japan must enroll in a public medical insurance program of some sort.
There are two types of public medical insurance programs in Japan: "Health Insurance" for company workers, and "National Health Insurance" for other people.
If you enroll in a public health insurance, you will pay only 30% of the medical cost. If a person who is not enrolled in a public health insurance receives medical treatment at a medical facility, he or she will have pay the full amount of the medical cost. Furthermore, as medical facilities are free to charge costs at their own discretion, your may have to make a considerable payment. For this reason, be sure to enroll in a public health insurance.
1.Eligible people
People who are not enrolled in health insurance programs at work. Under the Basic Resident Registration Law, foreign residents who are not enrolled in a health insurance at work must join the national health insurance system.
If you are deemed to have been staying in Japan for more than three months, you are required to enroll in the national health insurance, even if you intended to stay for three months or less when you arrived.
2.Enrollment procedures
If you are a registered resident of Sakae Town, file an application at the Resident Section of Sakae Town Hall.
A My Number Card is required to apply. If you do not have a My Number Card, bring a photo ID to verify your identity such as a driver's license.
3.Health Insurance Card (National Health Insurance Card)
When you enroll in the National Health Insurance, a "Health Insurance Card" will be issued. The health insurance card proves that you are enrolled in the National Health Insurance system. Store your card carefully.
Personal information including your name and address is listed on your health insurance card. When you visit a medical facility, submit your card at the reception desk. Take the card with you when you travel within the country. Health insurance cards must not be lent, borrowed, sold, or bought.
4.Payment at a medical facility
When you receive medical care for illness or injury, your copayment of the medical cost will be 30%. If you are between the ages 70 and 74, your copayment of the cost will be 20% or 30%, depending on your income.
Copayment for young children from age 0 to preschool age is 20%.
5.National health insurance
If you enroll in the national health insurance, you must pay the national health insurance tax.
You can pay the tax through a financial institution. When you receive the "Payment Notice" from the Sakae Town Hall, take it to a financial institution, a convenience store, or the Town Hall and pay. You can also use the financial institution's "Account Transfer" system.
The amount of the national health insurance tax is calculated every year on the basis of your income and the number of people in your household. However, in the first year in Japan, a foreign resident will be charged the minimum amount of the national health insurance tax because he/she had no income in Japan the previous year. From the second year, the amount fluctuates, depending on his/her income.
If you are between the ages of 40 and 64, a premium for nursing-care insurance is added to the tax.
If you fall behind in paying the national health insurance tax, you will have to return your health insurance card. A health insurance certificate will be issued, however, before you receive the certificate, your copayment of medical care cost may become 100% (apply for a reimbursement of the expense later).
If you fall behind with the tax, your assets may be seized. Pay the national health insurance tax on time.
If it is difficult for you to pay the national health insurance tax due to a disaster, unemployment, or bankruptcy, you may be exempt from the payment. Consult with the Resident Section of Sakaemachi Town Hall (0476- 33-7706).
6.National health insurance benefits
| Classification 区分 | Eligible individuals 対象者 |
|
|---|---|---|
| Illness or injury 病気やけがをしたとき |
Receive treatment using health insurance card 保険証で治療を受けるとき |
Medical treatment benefits, dietary treatment expenses for inpatients, daily expenditure and medical expenses for inpatients, medical expenses combined with treatment outside insurance coverage, medical expenses for home-nursing 療養の給付、入院時食事療養費、入院時生活療養費、保険外併用療養費、訪問看護療養費 |
| In the case of advance payment 立て替え払いのとき |
Medical treatment benefits, high-cost medical expenses, expenses for high-cost medical treatment combined with long-term care 療養費、高額療養費、高額介護合算療養費 |
|
| If transferred in an emergency 緊急時などに移送されたとき |
Transportation expenses 移送費 |
|
| Childbirth 出産したとき |
One-off payment for childbirth 出産育児一時金 |
|
| Death 死亡したとき |
Lump-sum funeral allowance 葬祭費 |
|
7.When you need to notify
Once you enroll in the national health insurance system, if you wish to cancel your membership, you will need to complete the cancellation procedure. If you join the health insurance at work, notify the Sakae Town hall within 14 days.
If your health insurance card is lost or damaged, when a child is born, when the head of the household changes, or if the insured person has died, notify the town hall within 14 days.
You need to submit a notification when your address changes due to moving in or out. If you move out, bring your health insurance card to the Resident Section of Sakae Town Hall and notify staff of the move-out day. After you have moved, submit a moving-in notification to the municipal office in the area where your new residence is located within 14 days.
If you leave Japan, bring your health insurance card, seal (if you have one), residence card or special permanent resident certificate, and your airline ticket to the Town Hall and submit an overseas transfer notification. (If you are out of the country for less than one year, no notification is required.)
As long as your residence is registered in Sakaemachi, you will be charged the insurance tax even when you are out of the country.
住民課（0476- 33-7706）
（4）国民健康保険
日本に住んでいる人は誰でも、何らかの公的医療保険に加入しなければなりません。
日本の公的医療保険には大きく分けて会社や事業所などに勤める人が加入する「健康保険」と、それ以外の人を対象とする「国民健康保険」の2つがあります。
公的医療保険に加入していると、基本的に全国一律に決められた医療費の3割を支払うだけで済みます。ところが、公的医療保険に加入しないで、医療機関にかかると、医療費はすべて自己負担となる上、医療機関が自由に請求できますので、支払いはかなり高額になります。必ず加入してください。
1.加入対象者
国民健康保険は、職場の健康保険に加入していない方が加入します。外国人でも、住民基本台帳の適用を受け、職場の健康保険に加入していない方は国民健康保険に加入しなければなりません。
また、入国当初の在留期間が3 ヵ月以下であっても、その後、3 ヵ月を超えて滞在すると認められる方は国民健康保険に加入する必要がありますので注意してください。
2.加入手続
栄町に住民登録をしている方の加入手続は、栄町役場住民課窓口で行います。手続にはマイナンバーカードが必要ですが、マイナンバーカードをお持ちでない方は運転免許証などの顔写真のある本人確認できるものを持参してください。
3.保険証（国民健康保険被保険者証）
国民健康保険に加入すると、「保険証」が交付されます。保険証は保険に加入していることを証明するものですから、大切に扱います。
保険証には加入した人の住所、氏名などが記載されており、診察を受ける際には必ず、医療機関の窓口に提示します。日本国内を旅行するときも携帯しましょう。保険証の貸し借りや売買はできません。
4.医療機関における負担額
病気やけがで医療を受けたときの一部負担は医療費の3割です。ただし、70歳~74歳は所得に応じて、一部負担が2割または3割です。
また、0歳から義務教育就学前の乳幼児の一部負担は2割です。
5.国民健康保険税
国民健康保険に加入する方は、必ず国民健康保険税を納めなければなりません。
国民健康保険税は金融機関などを通じて自分で納めます。栄町役場から送られてくる「納付書」を金融機関、コンビニエンスストア、栄町役場に持参して納める方法と、金融機関の「口座振替」を利用する方法とがあります。
国民健康保険税の金額は、所得や世帯の人数などによって毎年決められます。ただし、入国1年目は前年に日本での所得がないため、最低限の国民健康保険税が課せられ、2年目から所得などに応じて変動します。
また、40歳以上65歳未満の方は介護保険分を加算した金額になります。
国民健康保険税は滞納すると、保険証を返還し、代わりに被保険者資格証明書が交付され、交付されている間は医療費が全額自己負担となることがあります（のちに療養費払いとして栄町役場住民課に請求）。
また、滞納すると、資産等を差し押さえられることがあります。滞納することのないよう、きちんと納めましょう。
災害や失業、倒産などで国民健康保険税を納めるのが困難な場合は国民健康保険税を減免できる場合があります。栄町役場住民課（0476-33-7706）にご相談ください。
6.国民健康保険の給付
上記の表を参照。
7.こんなときは届出を
国民健康保険は一度加入すると、自動的には脱退になりません。職場の健康保険に加入したときは14日以内に栄町役場住民課窓口に届出をしましょう。
保険証を亡くしたり、汚したときや、子どもが産まれた、世帯主が変わった、被保険者が死亡したときなどは14日以内に届出をしてください。
転入・転出で住所が変わったときも届出が必要です。転出する場合は、保険証を栄町役場住民課窓口に持参して転出日を申し出、引越したら14日以内に新しい住所の市区町村の役所へ転入の届出をします。
日本を出国するときはあらかじめ、保険証と印鑑（お持ちの方のみ）、在留カードや特別永住者証明書、航空券などを持って届け出て、海外転出の手続をします（1年未満の短期間の出入国であれば、原則として不要）。
栄町に住民登録がある間は、出国中でも国民健康保険税がかかります。
