10+ 基本 保険 特定 保険 Article
Introduction
Insurance is a contract between an individual and an insurance company that protects against financial losses. In Japan, there are two types of insurance: basic insurance and specific insurance. In this article, we will explore the differences between basic insurance and specific insurance, and what they cover.
Basic Insurance
Basic insurance, also known as social insurance, is a mandatory insurance system in Japan. It covers all residents, including foreigners, who are aged between 20 and 60 years old. The basic insurance system consists of four types of insurance: health insurance, nursing care insurance, pension insurance, and unemployment insurance.
Health insurance covers medical expenses, including hospitalization, surgery, and prescription drugs. Nursing care insurance covers the cost of care for those who require assistance in their daily living activities due to illness or injury. Pension insurance provides financial support to retirees, and unemployment insurance provides financial assistance to those who lose their jobs.
The cost of basic insurance is shared between the employer and the employee. The employer pays a portion of the cost, while the employee pays the rest through monthly premiums.
Specific Insurance
Specific insurance, also known as voluntary insurance, is optional insurance that covers specific risks, such as accidents or illness. It is not mandatory, and individuals can choose which type of specific insurance they want to purchase.
Specific insurance can be further divided into two types: personal insurance and property insurance. Personal insurance covers the individual against risks such as illness, injury, or death. Property insurance covers the individual against risks such as damage to their home or vehicle.
Comparison between Basic Insurance and Specific Insurance
The main difference between basic insurance and specific insurance is that basic insurance is mandatory and covers a broad range of risks, while specific insurance is optional and covers specific risks. Basic insurance provides a safety net for all residents, while specific insurance allows individuals to customize their coverage based on their needs.
Another difference is the cost. Basic insurance premiums are shared between the employer and the employee, while specific insurance premiums are paid entirely by the individual.
Conclusion
In conclusion, understanding the differences between basic insurance and specific insurance is important for individuals living in Japan. Basic insurance provides essential coverage for all residents, while specific insurance allows individuals to customize their coverage based on their needs. By having both types of insurance, individuals can have comprehensive protection against financial losses.
It is essential to carefully consider the risks and benefits before choosing specific insurance, as it can be expensive. Individuals should consult with insurance professionals to determine which type of insurance is best suited for their needs and budget.
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