医療保険の通院保障は必要なし？通院のみの保険もある？通院に保障は必要かFPがシュミレーション 保険相談や見直しを成功させる保険総合情報 from the-hoken.jp
What is "病気 通院 のみ 保険"?
If you are living in Japan, you may have heard of the term "病気 通院 のみ 保険" or "Byōki tsūin nomi hoken". This type of insurance is designed to cover only the medical expenses incurred during hospital visits or medical treatments. This means that it does not cover any other healthcare expenses such as prescriptions, dental treatments or surgery.
Who is eligible for "病気 通院 のみ 保険"?
In Japan, anyone who is enrolled in the National Health Insurance scheme or the Employee Health Insurance scheme is eligible for "病気 通院 のみ 保険". However, some municipalities may have their own eligibility criteria for this type of insurance.
What are the benefits of "病気 通院 のみ 保険"?
The primary benefit of "病気 通院 のみ 保険" is that it provides coverage for medical expenses incurred during hospital visits or medical treatments. This can help alleviate the financial burden of medical care, especially for those who need frequent hospital visits or expensive treatments.
How much does "病気 通院 のみ 保険" cost?
The cost of "病気 通院 のみ 保険" varies depending on your age, income, and the municipality you live in. However, it is generally more affordable compared to other types of health insurance in Japan.
Important things to know about "病気 通院 のみ 保険"
Limitations on coverage
It is important to note that "病気 通院 のみ 保険" only covers medical expenses incurred during hospital visits or medical treatments. It does not cover any other healthcare expenses such as prescriptions, dental treatments or surgery. In addition, there may be limitations on the amount of coverage provided for certain medical treatments or procedures.
Renewal and cancellation
"病気 通院 のみ 保険" is typically renewed annually. If you wish to cancel your coverage, you must do so before the renewal date. Failure to do so will result in automatic renewal and you may be charged for the following year's coverage.
Other insurance options
If you require more comprehensive health insurance coverage, you may want to consider other options such as the National Health Insurance scheme or the Employee Health Insurance scheme. These options provide coverage for a wider range of healthcare expenses and may be more suitable for those with more complex medical needs.
Conclusion
"病気 通院 のみ 保険" is a type of health insurance that provides coverage for medical expenses incurred during hospital visits or medical treatments. While it may not provide coverage for other healthcare expenses, it can be a useful option for those who need frequent hospital visits or expensive treatments. If you are considering this type of insurance, it is important to understand its limitations and consider other insurance options if necessary.
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