5+ 保険一割負担 Article

「介護保険自己負担3割に課題は？」（ここに注目！） NHK解説委員室 from www.nhk.or.jp

Introduction

Japan has a very unique insurance system, which can be confusing for foreigners living in the country. One of these insurance policies is the “一割負担” or “10 percent burden” policy. In this article, we will discuss what this policy is, how it works, and who is eligible for it.

What is the “一割負担” Policy?

The “一割負担” policy is a health insurance policy in Japan where the patient pays only 10 percent of the total medical costs, while the remaining 90 percent is covered by the insurance company. This policy is available to those who are insured under the Japanese health insurance system.

How Does It Work?

Let’s say you visit a doctor for a medical condition, and the total cost of the consultation, tests, and medication is 10,000 yen. If you are covered under the “一割負担” policy, you will only have to pay 1,000 yen, which is 10 percent of the total cost. The remaining 9,000 yen will be paid by your insurance company.

Who is Eligible for the “一割負担” Policy?

All individuals who are under the Japanese health insurance system are eligible for the “一割負担” policy. This includes employees, self-employed individuals, and students. However, some insurance policies may have certain restrictions, so it is always best to check with your insurance provider to confirm your eligibility.

Advantages of the “一割負担” Policy

One of the biggest advantages of the “一割負担” policy is that it helps reduce the financial burden on patients. Medical treatment in Japan can be expensive, and this policy ensures that patients don’t have to pay the full amount out of their own pockets. Additionally, this policy encourages people to seek medical treatment when they need it, rather than avoiding it due to financial constraints.

Disadvantages of the “一割負担” Policy

The “一割負担” policy does have some disadvantages. For example, it may not cover all medical expenses, and patients may still need to pay for certain treatments out of their own pockets. Additionally, not all medical facilities accept this policy, so patients may need to seek treatment at a specific facility that accepts it.

Conclusion

The “一割負担” policy is a unique insurance policy in Japan that helps reduce the financial burden on patients. While it does have some disadvantages, overall, it is a beneficial policy for those who are eligible for it. If you are insured under the Japanese health insurance system, it is worth considering this policy to help cover your medical expenses in Japan.