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Japanese Medical Insurance III

Social Insurance

If you are working for a company or an organization that provides a social insurance program, you join the program regardless of your nationality.
*Illegal residents and illegal workers cannot join.

Application Formalities

Your employer will take care of the subscription for you. Ask the person in charge of health insurance at your place of employment.

Premiums

You (the insurant) and your employer pay equal shares of the premiums due.  The amount of premium you need to pay is calculated based on your monthly salary and bonuses and the premium rate, and is deducted automatically from your monthly salary and bonuses.

Coverage (for the insurant)

Medical Costs:
Bring your social insurance card with you when you receive medical treatment. 70% of the cost will be covered by the insurance, so you will only have to pay 30%.

During Leaves of Absence:
If you (the insurant) take a leave of absence due to illness or injury and do not receive your salary for your employment during the leave, an illness/injury allowances will be paid. Or, if you take a leave of absence due to confinement and do not receive your salary for your employment during the leave, confinement allowance will be paid.

Lump-sum Confinement Allowance:
Paid if a baby is born.

Burial Allowance (Expenses):
If the insurant passes away, an allowance is paid to the family. When the insurant has no family, a part of the burial cost will be paid to the person who pays for the burial. When a dependent of the insurant passes away, the allowance will be paid to the insurant.

Large Medical Expenses:
If the medical expenses for one person in one month exceed a certain level, the surplus will be covered.

Insurance Card

A social insurance card will be issued to each of the insured persons.  If you do not present the card when receiving a medical treatment, you will have to pay for the entire cost.  When details printed on the card need to be changed, for example, when your address changes or when your baby is born, you need to notify the person in charge of the insurance program at your place of employment.

The program does not cover the following

**Costs for health check-ups, inoculations, cosmetic surgeries, orthodonture, and normal confinements.
**Occupational injuries or illness, or injuries caused while commuting.
**Injuries and/or treatment caused by traffic accidents may not be covered by the social insurance program. Consult with the person in charge of the program at your place of employment.

For inquiries: contact the person in charge of the program at your place of employment.

(Effective December 2009)

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