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City of Kasama - Information for Foreigners (外国人向け情報)

Japanese National Health Insurance (国民健康保険)

Contacts

City Hall, Divisions

Address

Phone

City Hall Main Office, Health Insurance & Pension Division

保険年金課, hoken nenkin ka

Chuo 3-2-1

中央3-2-1

0296-77-1101

Kasama Regional Branch, Citizen Service Division

笠間支所 市民窓口課, kasama shisho shimin madoguchi ka

Kasama 1532

笠間1532

Iwama Regional Branch, Citizen Service Division

岩間支所 市民窓口課, iwama shisho shimin madoguchi ka

Shimogo 5140

下郷5140

0299-37-6611

Open: 8:30 to 17:15

Closed: Weekends, public holidays, and New Year's holidays

 

National Health Insurance (国民健康保険, kikumin kenkou hoken)

National Health Insurance (NHI) and How it Works

National Health Insurance (abbreviated in Japanese as 国保, kokuho) is a medical insurance system designed for all people living in Japan (including students, self-employed and part-time workers) who are not enrolled in any type of health insurance through their work provider.

If you are NOT already enrolled in health insurance in Japan or are not receiving Livelihood Protection, you must enroll in National Health Insurance. Please complete all enrollment/withdrawal paperwork within 14 days, such as after moving to Kasama City, changing jobs, etc. (See table below.)

*From March 2021 you can use your "My Number" Card as a Health Insurance Card

! You need the following documents for ALL procedures regarding the NHI.

Please have them with you:

1. ID: Residence Card (在留カード, zairyu kādo) or Special Permanent Resident Card (特別永住者証明書, tokubetsu eijuusha shoumeisho)

2. Individual Number¹: My Number Card (個人番号カード, kojin bango kādo) or My Number Notification Card (通知カード, tsuchi kādo)
¹ If you do not have your Individual Number yet, please apply for it at the Citizens Affairs Division (市民課, shimin ka) or Kasama / Iwama Branch Citizen Service Division (市民窓口課, shimin madoguchi ka).

▼Other necessary documents depend on the procedure, so please check the table below. 

Enrollment (加入, kanyu)

When it is necessary

What else you need

When you have moved to Kasama City

(when submitting a moving-in notification within 2 weeks after moving to Kasama)

 x

When you have left another² insurance plan

● Certificate of Loss of Qualification for Health Insurance

(健康保険離脱証明書, kenkou hoken ridatsu shomeisho)

When you have given birth to a child

● Health Insurance Card (保険証, hokensho)

● Mother and Child Health Handbook
(母子健康手帳, boshi kenkou techou)

When you are no longer covered by Livelihood Protection

● Decision to Withdrawal from Livelihood Protection Notice
(保護開始決定通知書, hogo kaishi kettei tsuchisho)

When you plan on staying in Japan for longer than 3 months

● Passport (パスポート, pasupōto)

Withdrawal (脱退, dattai)

When it is necessary

What you else need

When you move out of Kasama City

(when submitting a moving-out notification within 2 weeks before moving out)

● Health Insurance Card (保険証, hokensho)

When you have enrolled in another² insurance plan

 

● National Health Insurance Card
(国民健康保険証, kokumin kenkou hokensho
= your old Insurance Card

● Certificate from newly enrolled health insurance plan
= your new Insurance Card or other proof of insurance

When an insurance holder has passed away

(For instance, your close relative)

● Health Insurance Card (保険証, hokensho)

● Funeral Attendance Letter (会葬礼状, kaiso reijo)

※Funeral expenses will be paid to the family.

When you apply for Livelihood Protection (生活保護, seikatsu hogo)

● Decision to Enroll in Livelihood Protection Notice

(保護廃止決定通知書, hogo kaishi kettei tsuchisho)

When you become a Japanese citizen

● Residence Card (在留カード, zairyuu kādo)

● Health Insurance Card (保険証, hokensho)

Other (その他, sono hoka)

When is it necessary

What else you need

When your address or the head of your household changes

● Health Insurance Card (保険証, hokensho)

When your family situation changes

(for example, through a marriage or divorce)

 Health Insurance Card (保険証, hokensho)

When your Health Insurance Card is lost or damaged 

● Damaged Health Insurance Card

 ² The most common "another insurance plan" is Employees' Social Insurance. In Japan, Social Insurance (社会保険, shakai hoken) combines Health Insurance (健康保険, kenko hoken) and Pension Insurance (厚生年金, kosei nenkin) into one system.

Types of Benefits (給付の種類, kyuufu no shurui)

Types of Health Insurance Benefits

 Types of benefits

When it applies to you

What you need

How much is covered

Medical

Costs

If you have received treatment for a medical emergency (without your Insurance Card)

● Health Insurance Card
(保険証, hokensho)

● Letter from the hospital describing the treatment you received
(診療内容証明書, shinryo naiyo shomeisho)

● Receipt of what you paid
(領収書, ryoshusho)

Once all appropriate documents are submitted, up to 70% of the costs will be reimbursed to you.

When you pay for a massage/ acupuncture/ moxibustion/ etc. to treat a medical condition

● Health Insurance Card
(保険証, hokensho)

Medical Certificate or Written Consent from the doctor
(診断書, shindansho / 同意書, doisho)

● Letter describing the treatment you received
(施術内容証明書, sejutsu naiyo shomeisho)

 Receipt of what you paid
(領収書, ryoshusho)

When you purchase therapeutic equipment (such as a brace or corset)

● Health Insurance Card
(保険証, hokensho)

● Medical Certificate from the doctor
(診断書, shindansho)

 Receipt of what you paid
(領収書, ryoshusho)

When you have paid to receive a blood transfusion

When you receive medical treatment while traveling in a foreign country (does not apply if the purpose of the trip was for medical treatment)

● Health Insurance Card
(保険証, hokensho)

● Letter describing the treatment you received and a receipt of what you paid, both translated into Japanese

● Passport
(パスポート, pasupōto)

Transferring Hospitals

If you were to suddenly need to change hospitals due to a serious or life-threatening illness

● Health Insurance Card
(保険証, hokensho)

● Letter from the doctor
(意見書, ikensho)

● Receipt of what you paid
(領収書, ryoshusho)

● Document detailing the route you took during transport

Once all appropriate documents are submitted, you will be reimbursed based on the most logical and cost-effective route/means of transfer.

Childbirth

When you have given birth to a child

● Health Insurance Card
(保険証, hokensho)

● Receipt or invoice (hospital bill) from the medical institution
(領収書, ryoshusho / 請求書, seikyusho)

Up to ¥420,000 (depending on the medical institution)

Funeral Expenses

When a loved one has passed away

● Health Insurance Card
(保険証, hokensho)

● Document with the name of the closest family member/friend, such as a funeral attendance letter
(会葬礼状, kaisoreijo)

¥50,000

High-cost Medical Treatments

When your individual expenses for a single month exceed a certain amount

● Receipt (hospital bill), etc.
(領収書, ryoshusho)

● Bankbook (通帳, tsucho)

Total exceeding amount

High-cost Nursing Care

When nursing care costs exceed a certain amount (for households with recipients of nursing care insurance)

● Bankbook (通帳, tsucho)

Total exceeding out-of-pocket expenses

 

National Health Insurance Tax (国民健康保険税, kokumin kenko hoken zei)

National Health Insurance Tax is calculated as follows. In the case of an irregular enrollment/withdrawal, calculations will be broken down by month.

1 Income percentage is calculated based on your income from the previous year.
2 The per capita rate is an amount that each enrolled person pays.

Category
区分, kubun

1 Income percentage
所得割額, shotokuwarigaku

2 Per capita rate
均等割額, kintowarigaku

Max. deductable amount
課税限度額, kazei gendogaku

A Medical Care (1+2)

医療分, iryoubun

6.00%

¥ 20,000

¥ 650,000

B Senior Citizen Care (1+2) 

後期分, koukibun

3.30%

¥ 11,600

¥ 200,000

C Nursing Care (1+2)

介護分, kaigobun

3.10%

¥ 13,000

¥ 170,000

A + B + C = National Health Insurance Tax

Tax Payments

In Japan, the head of the household (世帯主, setainushi) is responsible for paying the National Health Insurance Tax, even if that person is enrolled in a separate insurance plan. Therefore, all invoices will be mailed to the head of the household. However, taxes will only be calculated based on household members who are actually enrolled in the National Health Insurance (NHI) plan.

National Health Insurance Tax Reduction System

Under the Legal Tax Reduction System (法定軽減, houtei keigen), an NHI member may be exempted from per capita amount, depending on the income of the insured person or the head of the household for the previous year.

Applications are not required since the reductions apply automatically to illegible persons.

TI - Total income for the previous year (総所得金額, soushotoku kingaku)
NS - Number of salaried employees (給与所得者数, kyuuyo shotokusha)
NI - Number of insured persons (被保険者数, hihokensha)

Reduction ratio
軽減割合, keigen wariai

Eligibility calculation formula
判定式, hantei shiki

70% reduction

TI≦¥ 430,000 + ¥ 100,000 x (NS-1)

50% reduction

TI≦¥ 430,000 + ¥ 285,000 x NI + ¥ 100,000 x (NS-1)

20% reduction

TI≦¥ 430,000 + ¥ 520,000 x NI + ¥ 100,000 x (NS-1)

There are several other tax reduction programs.
For more information, please contact the Health Insurance & Pension Services Division.

Tax Relief

If in the case of some sort of accident or natural disaster paying your taxes becomes difficult, please consult the corresponding division at the City Hall as soon as possible.

Corresponding division: Health Insurance & Pension Division (City Hall Main Office), Citizen Service Division (Kasama / Iwama Regional Branch)

Don’t forget to file your taxes!

National Health Insurance Tax is based on your income from the previous year. Make sure that everyone in your household files their taxes every year, as this will affect how much money you are able to receive for medical expenses, etc., and may result in you paying more than usual.

 

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