List Of 任意 継続 保険 料 と 国民 健康 保険 料 For You
Introduction
In Japan, there are two types of health insurance fees that individuals need to pay: optional continuation insurance fees and national health insurance fees. While both of these fees are related to healthcare costs, they have different rules and regulations that individuals need to follow. In this article, we will discuss the differences between these two types of insurance fees in 2023 and how they affect individuals.
Optional Continuation Insurance Fees
Optional continuation insurance fees are paid by individuals who are no longer eligible for employee health insurance due to retirement, resignation, or other reasons. These fees allow individuals to continue receiving the same level of healthcare benefits they were receiving while they were employed. The fees are calculated based on the individual's income and are paid monthly.
If an individual is eligible for national health insurance, they can choose to enroll in optional continuation insurance instead. However, if they do not enroll in optional continuation insurance, they will automatically be enrolled in national health insurance.
National Health Insurance Fees
National health insurance fees are paid by individuals who are not eligible for employee health insurance or who choose not to enroll in optional continuation insurance. National health insurance fees are calculated based on the individual's income and are paid monthly. These fees are used to cover healthcare costs for individuals who are not covered by employee health insurance.
How to Calculate Insurance Fees
Both optional continuation insurance fees and national health insurance fees are calculated based on the individual's income. The fees are calculated as a percentage of the individual's income, with a maximum fee set for high-income earners. The exact percentage and maximum fee vary depending on the individual's location and other factors.
Benefits of Optional Continuation Insurance
One of the benefits of optional continuation insurance is that individuals can continue receiving the same level of healthcare benefits they were receiving while they were employed. This means that they can continue seeing the same doctors and receiving the same treatments. Additionally, optional continuation insurance fees may be tax-deductible.
Benefits of National Health Insurance
One of the benefits of national health insurance is that it is available to all individuals, regardless of their employment status. This means that individuals who are not eligible for employee health insurance can still receive healthcare benefits. Additionally, national health insurance fees are often lower than optional continuation insurance fees.
Enrolling in Insurance
To enroll in optional continuation insurance, individuals need to submit an application to their local health insurance association within two months of losing their employee health insurance. To enroll in national health insurance, individuals need to submit an application to their local government office.
Conclusion
Understanding the differences between optional continuation insurance fees and national health insurance fees is important for individuals living in Japan. By knowing the rules and regulations for both types of insurance fees, individuals can make an informed decision about which type of insurance to enroll in. Whether an individual chooses optional continuation insurance or national health insurance, they can rest assured that they will have access to quality healthcare in Japan.
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