Must Know 国民 保険 仕組み Article
What is National Insurance?
National Insurance, or Kokumin Hoken, is a social insurance system in Japan that provides coverage for a variety of healthcare and pension benefits. It is mandatory for all residents of Japan who are between the ages of 20 and 60 and earn a certain level of income.
How Does National Insurance Work?
There are two types of National Insurance: Employee's Health Insurance and National Pension. Employee's Health Insurance is for people who are employed, while National Pension is for those who are self-employed or not covered by Employee's Health Insurance. Both types of insurance are managed by the government and require monthly payments.
The amount of payment is based on your income, with the maximum amount being 18,000 yen per month for Employee's Health Insurance and 16,510 yen per month for National Pension. The government also provides subsidies for those who have low incomes or are unable to pay their premiums.
What Benefits Does National Insurance Provide?
National Insurance provides coverage for a range of healthcare and pension benefits. Healthcare benefits include medical treatments, hospitalization, and prescriptions. Pension benefits include a basic pension, a spousal pension, and a survivor's pension.
Additionally, National Insurance provides coverage for long-term care for the elderly and disabled, as well as maternity and childbirth costs. Some plans also offer additional benefits such as dental coverage and health checkups.
How to Apply for National Insurance?
If you are employed, your employer will typically enroll you in Employee's Health Insurance. If you are self-employed or not covered by Employee's Health Insurance, you can apply for National Pension at your local government office.
To apply, you will need to provide your personal information, proof of residence, and proof of income. Once you are enrolled, you will receive a National Insurance card that you will need to present when receiving medical treatment or applying for pension benefits.
Conclusion
Overall, National Insurance is an important social insurance system in Japan that provides coverage for a variety of healthcare and pension benefits. It is mandatory for all residents who meet the eligibility requirements, and payments are based on income. If you are not currently enrolled in National Insurance, it is important to consider doing so to ensure that you have access to these important benefits.
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