Japanese National Health Insurance (国民健康保険)
Contacts
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City Hall, Divisions |
Address |
Phone |
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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 |
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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 |
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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 |
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Open: 8:30 to 17:15 Closed: Weekends, public holidays, and New Year's holidays |
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National Health Insurance (国民健康保険, kokumin 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.
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Enrollment (加入, kanyu) |
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When it is necessary |
What else you need |
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When you have moved to Kasama City (when submitting a moving-in notification within 2 weeks after moving to Kasama) |
x |
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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) |
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When you have given birth to a child |
● Health Insurance Card (保険証, hokensho) ● Mother and Child Health Handbook |
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When you are no longer covered by Livelihood Protection |
● Decision to Withdrawal from Livelihood Protection Notice |
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When you plan on staying in Japan for longer than 3 months |
● Passport (パスポート, pasupōto) |
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Withdrawal (脱退, dattai) |
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When it is necessary |
What you else need |
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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) |
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When you have enrolled in another² insurance plan |
● National Health Insurance Card ● Certificate from newly enrolled health insurance plan |
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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. |
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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) |
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When you become a Japanese citizen |
● Residence Card (在留カード, zairyuu kādo) ● Health Insurance Card (保険証, hokensho) |
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Other (その他, sono hoka) |
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When is it necessary |
What else you need |
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When your address or the head of your household changes |
● Health Insurance Card (保険証, hokensho) |
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When your family situation changes (for example, through a marriage or divorce) |
● Health Insurance Card (保険証, hokensho) |
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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)
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Types of Health Insurance Benefits |
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Types of benefits |
When it applies to you |
What you need |
How much is covered |
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Medical Costs |
If you have received treatment for a medical emergency (without your Insurance Card) |
● Health Insurance Card ● Letter from the hospital describing the treatment you received ● Receipt of what you paid |
Once all appropriate documents are submitted, up to 70% of the costs will be reimbursed to you. |
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When you pay for a massage/ acupuncture/ moxibustion/ etc. to treat a medical condition |
● Health Insurance Card ● Medical Certificate or Written Consent from the doctor ● Letter describing the treatment you received ● Receipt of what you paid |
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When you purchase therapeutic equipment (such as a brace or corset) |
● Health Insurance Card ● Medical Certificate from the doctor ● Receipt of what you paid |
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When you have paid to receive a blood transfusion |
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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 ● Letter describing the treatment you received and a receipt of what you paid, both translated into Japanese ● Passport |
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Transferring Hospitals |
If you were to suddenly need to change hospitals due to a serious or life-threatening illness |
● Health Insurance Card ● Letter from the doctor ● Receipt of what you paid ● 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. |
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Childbirth |
When you have given birth to a child |
● Health Insurance Card ● Receipt or invoice (hospital bill) from the medical institution |
Up to ¥420,000 (depending on the medical institution) |
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Funeral Expenses |
When a loved one has passed away |
● Health Insurance Card ● Document with the name of the closest family member/friend, such as a funeral attendance letter |
¥50,000 |
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High-cost Medical Treatments |
When your individual expenses for a single month exceed a certain amount |
● Receipt (hospital bill), etc. ● Bankbook (通帳, tsucho) |
Total exceeding amount |
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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 the amount that each enrolled person pays.
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Category |
1 Income percentage |
2 Per capita rate |
Max. deductable amount 課税限度額, kazei gendogaku |
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A Medical Care (1＋2) 医療分, iryoubun |
6.00％ |
¥ 20,000 |
¥ 650,000 |
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B Senior Citizen Care (1＋2) 後期分, koukibun |
3.30％ |
¥ 11,600 |
¥ 200,000 |
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C Nursing Care (1＋2) 介護分, kaigobun |
3.10％ |
¥ 13,000 |
¥ 170,000 |
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)
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Reduction ratio |
Eligibility calculation formula |
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70% reduction |
TI≦¥ 430,000 + ¥ 100,000 x (NS-1) |
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50% reduction |
TI≦¥ 430,000 + ¥ 285,000 x NI + ¥ 100,000 x (NS-1) |
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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.
問い合わせ先
- 2022年4月1日
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