6+ 国家 公務員 保険 Article
Introduction
For those who are planning to work as civil servants in Japan, it is important to understand the National Civil Servants Insurance (Kokka Koyo Hoken) which is a mandatory insurance system for all civil servants. In this article, we will discuss what this insurance covers, how it works, and what benefits are provided to the policyholders.
What is National Civil Servants Insurance?
The National Civil Servants Insurance is a social insurance system that is mandatory for all civil servants in Japan. It is designed to provide various benefits to civil servants such as medical care, pension, and disability compensation. The system is managed by the Government Pension Investment Fund (GPIF) and the National Pension Fund (NPF).
Coverage
The insurance covers various medical expenses such as hospitalization, outpatient care, and prescription drugs. It also provides a lump-sum payment to the policyholder's family in case of death or disability. The insurance also covers pension benefits for retired civil servants.
How it Works
The insurance is funded through a combination of employee and employer contributions. The contributions are calculated based on the employee's salary and are deducted from their monthly salary. The employer also contributes to the insurance on behalf of the employee. The insurance premiums are based on the employee's age and salary.
Benefits of National Civil Servants Insurance
The National Civil Servants Insurance provides various benefits to policyholders. Some of the benefits include:
Medical Benefits
The insurance covers various medical expenses such as hospitalization, outpatient care, and prescription drugs. The policyholder can choose their preferred healthcare provider, and the insurance will cover the cost of medical treatment.
Pension Benefits
The insurance provides pension benefits to retired civil servants. The pension benefit is calculated based on the employee's salary and years of service. The policyholder can choose to receive the pension as a lump-sum payment or as a monthly pension.
Disability Compensation
The insurance provides disability compensation to policyholders who become disabled due to illness or injury. The disability compensation is based on the severity of the disability and the policyholder's salary.
Death Benefits
The insurance provides a lump-sum payment to the policyholder's family in case of death. The amount of the payment is based on the policyholder's salary and years of service.
Conclusion
The National Civil Servants Insurance is an important insurance system for all civil servants in Japan. It provides various benefits such as medical care, pension, and disability compensation. Understanding how the insurance works and what benefits it provides is important for those who plan to work as civil servants in Japan.
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