8+ 国民 保険 から 社会 保険 切り替え Article
Introduction
In Japan, healthcare is provided through two main systems: National Health Insurance (NHI) and Social Health Insurance (SHI). While both systems offer similar benefits, there are some differences in terms of coverage and cost. In 2023, the Japanese government will be making changes to the healthcare system, including the option for NHI subscribers to switch to SHI. In this article, we will discuss the reasons for this change and what it means for NHI subscribers.
What is National Health Insurance?
National Health Insurance is a system that provides healthcare coverage to individuals who are not covered by an employer-based insurance plan or are self-employed. This system is funded by premiums paid by subscribers and government subsidies. The premiums are based on income and are generally lower than those of SHI.
What is Social Health Insurance?
Social Health Insurance is a system that provides healthcare coverage to employees and their dependents. This system is funded by premiums paid by both employers and employees. The premiums are based on income and are generally higher than those of NHI.
Why Switch to Social Health Insurance?
While both NHI and SHI offer similar benefits, there are some differences that may make SHI a more attractive option for some individuals. For example, SHI offers more comprehensive coverage for hospital stays and certain medical procedures. Additionally, SHI may be a better option for individuals with higher incomes, as the premiums are based on income and may be more affordable for those who earn more.
How to Switch to Social Health Insurance?
If you are currently a subscriber of NHI and would like to switch to SHI, you will need to complete an application form and submit it to your local government office. You will also need to provide proof of income and other necessary documents. The process may take several weeks, so it is important to plan ahead if you are considering switching.
Considerations Before Switching
Before making the switch to SHI, it is important to consider your individual healthcare needs and financial situation. While SHI may offer more comprehensive coverage, the premiums may be higher and may not be affordable for some individuals. Additionally, if you have pre-existing medical conditions, you may want to check if they are covered under SHI before making the switch.
Conclusion
The option to switch from NHI to SHI in 2023 provides more choices for individuals when it comes to healthcare. While both systems offer similar benefits, SHI may be a better option for some individuals due to its more comprehensive coverage and affordable premiums for higher income earners. However, it is important to carefully consider your healthcare needs and financial situation before making the switch.
Sources:
- https://www.mhlw.go.jp/english/policy/health-medical/health-insurance/nhi/index.html
- https://www.mhlw.go.jp/content/12400000/000868993.pdf
- https://www.japan-guide.com/e/e2223.html
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