9+ 被用者 保険 とは For You
Introduction
When you work in Japan, it is important to understand the different types of insurance available to you as an employee. One of these is 被用者 保険 (hiyoyoshi hoken), which is also known as Employee Health Insurance. In this article, we will discuss what 被用者 保険 is, how it works, and why it is important to have.
What is 被用者 保険?
被用者 保険 is a type of health insurance that is provided by employers to their employees. It is mandatory for all employees who work more than 30 hours per week and earn more than a certain amount of money per month. This insurance covers a wide range of medical expenses, including hospitalization, surgery, and prescription drugs.
How Does 被用者 保険 Work?
Employers are responsible for enrolling their employees in 被用者 保険 and paying the premiums. The premiums are calculated based on the employee's salary and are deducted from their monthly paycheck. The insurance covers the employee, as well as their spouse and children under the age of 20.
What Does 被用者 保険 Cover?
被用者 保険 covers a wide range of medical expenses, including hospitalization, surgery, doctor visits, prescription drugs, and dental treatment. It also covers maternity care, mental health care, and rehabilitation. Some employers may also offer additional coverage for their employees, such as vision care or alternative medicine.
Why is 被用者 保険 Important?
Having 被用者 保険 is important because it provides financial protection in case of a medical emergency. Without insurance, medical expenses can be very expensive and can quickly drain your savings. In addition, having insurance can give you peace of mind and allow you to focus on your recovery without worrying about the cost.
How to Use 被用者 保険?
If you need to use your 被用者 保険, you will need to present your insurance card at the hospital or clinic. The healthcare provider will then bill the insurance company directly, and you will only be responsible for paying any co-payments or deductibles. It is important to keep your insurance card with you at all times, as you never know when you may need to use it.
What If I Change Jobs?
If you change jobs, your new employer will enroll you in their own 被用者 保険 plan. However, if you are between jobs or are self-employed, you can enroll in the National Health Insurance (NHI) program. The NHI is a government-run insurance program that provides coverage to those who are not covered by an employer-sponsored plan.
Conclusion
被用者 保険 is an important type of insurance that provides financial protection in case of a medical emergency. It is mandatory for all employees in Japan who work more than 30 hours per week and earn more than a certain amount of money per month. If you are not covered by an employer-sponsored plan, you can enroll in the National Health Insurance program to ensure that you have coverage. By understanding how 被用者 保険 works and what it covers, you can ensure that you are prepared for any medical expenses that may come your way.
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