New job at the Japanese company, would like to know about the health insurance. What's the process to apply for the insurance?

Transcription

1 Cabiet ねん かせんぶ ねん しゅが かせんぶ じてん しゅうせい (2008 年 下 線 部 &2009 年 朱 書 き 下 線 部 時 点 修 正 ) Level 3 Chapter Illess Sectio Public health isurace Cotets Health isurace 1 Possible questio ad backgroud. New job at the Japaese compay, would like to kow about the health isurace. What's the process to apply for the isurace? 2 Basic questio ad aswer. Questio What is health isurace? Health isurace is for people who work at the factory or the compay ad their family to help reduce the cost of medical bills. Questio How do I apply for health isurace? Your work place should process the applicatio. This is ot oly for Japaese atioals. This system ca apply for the family members who are childre, grad childre, parets, grad parets, youger brothers ad sisters. You must be the head of the house hold to Questio How much is the mothly fee? Premium is determied by the amout of salary. Paymet will be withheld from salaries ad bouses. The amout is oly half of cost (Your compay would match the other Questio Questio What kid of beefit does this system offer? Your paymet of medical bills ca cost oly 10 to 30 % of the origial medical bill. Please take a look at the "4 Basic iformatio". What kid of bills ca beefit from the discout by health isurace? The diagosis, surgical treatmet ad medical treatmet, provisio of drugs ad therapeutic materials, ad ursig home care, hospital ad ursig (the meal is paid separately). You ca ot beefit from the beauty Orthopedic health, immuizatio, ormal birth delivery, abortio due to ecoomic reasos, if subject to the idustrial Questio What should I do whe I eed to see a doctor? Whe you are sick or ijured, you just go to the hospital or cliic. Give them your health isurace card ad pay for your medical bills. This also applies to receivig your medicatio at the pharmacy. 3 More questio. Questio What kid of cases are NOT accepted for this health isurace? For the corporate office ad doig agriculture busiess ca ot apply. The you have a choice to joi for the public health care isurace. Public health isurace Go to 8-4-3

2 Questio Ca I joi the system if I am over stay? If the office has erolled i this system, all the worker ca joi o matter of the race, sex, wage, ad atioality. 4 Basic iformatio. Type of the health isurace chart. Type Beefit Card holder Family member Medical care I l l e s s Isurace card to receive treatmet beefits Medical expeses durig hospitalizatio diet Medical expeses durig Family Medicare beefit Home urse visit expeses a d hospitalizatio Livig Medical expese Medical expese for I j u r e d Medicare loa Emergecy trasport Abset for medical treatmet High medical expese High total medical care costs Trasportatio cost Disability beefit family member High medical expese for family Trasportatio cost for the family b Birth allowace allowace for family Materity allowace member Death Burial fees Burial fees for family member Disability beefit Retired (Cotiued or temporary beefit) Materity allowace

3 allowace Burial fees Isurace type. Beefit Whe sick or ijured perso work for reasos other tha health isurace ca be treated by health isurace. I hope this treatmet beefits that spa the physical examiatio, drug treatmet provisio of materials, surgical ad other therapeutic treatmet, ursig care o the maagemet of care at home, admissio to hospitals ad cliics.30% of medical costs i medical istitutios (10% of those over 70 years (average icome is 30% active)) Family beefit For depedets who are desperately ill, the medical expeses will be paid. Eligible to receive beefits ad the period of its rage is similar to medical beefits for all subscribers. The result is equivalet i kid as medical expeses, obtaied their depedets health isurace at 30 percet of outpatiet medical expeses (20 percet of preschool educatio is compulsory, if oe of those over 70 years percet (average icome is 30% active)). Medical expeses durig diet hospitalizatio Whe admitted to the medical illess or ijury isurace subscribers, the beefits for medical treatmet alog with dietary therapy, ca receive paymet of the amout paid mius the amout of stadard dietary therapy. Medical expeses durig hospitalizatio Whe the hospital beds i medical care isurace subscribers over the age of 65, livig together with medical care beefits (such as food ad utility). You ca receive paymet of the amout paid mius the amout of life care stadards( This paymet will be make direct to the Medicare provider). Uisured medical expeses Health isurace icludig medical isurace will apply to have medical isurace does ot apply outside the isurace ad medical expeses paid i full. But Eve if you receive medical treatmet covered by isurace, provided the Miister of Health "medical assessmet" ad "Treatmet Selectio" are, are permitted i cojuctio with health isurace, the cost of parts i commo with covetioal treatmet, the geeral be treated as medical isurace for such areas ad to pay some cotributios, medical expeses are paid out of isurace with the remaiig amout. Home visit urse expeses This is for I-Home care, if you eed medical assistace, ad received medical care from a visitig urse statio o the istructios of your doctor, medical expeses paid for ursig

4 visits. Medical expese The health isurace to receive medical treatmet ad preset the isurace card isurace medical istitutios "i kid", but the priciple is, i uavoidable circumstaces, ca ot get health isurace o medical isurace, If there are special reasos, such as whe the doctor at his ow expese, for its costs, medical expeses will be paid. This High medical expese Hospital or log-term hospitalizatio ad serious illess etc., if prologed therapy is the high amout of medical expeses bore. Able to reduce the burde o families, so a certai amout (Up to the maximum limit) systems high medical expese to be reimbursed over a portio. But uisured medical expeses with part of the differece betwee the amout of medical expeses bore by livig ad medical expeses whe hospitalized for food provided High total medical care costs I households, requirig medical treatmet of illess or ijury (medical isurace) ad cost of care services (ursig isurace) if the amout was sigificatly high expese, to ease the burde o households, medical ad ursig care copaymet amouts for the total service costs, give the amout (base amout calculatio) for paymet i excess. Trasportatio fee Difficult to move the patiet illess or ijury, you eed a temporary emergecy doctor's istructios, if trasferred, the trasfer fees will be paid. The amout of trasport costs, actual cost i the rage of the amout calculated o the basis of travel expeses whe trasferred by the usual method ad most ecoomical route oly. But Their labor costs Disability beefit Disability beefit, the system was established to esure subscribers ad their families livig i the sick leave, holiday compay for illess or ijury, if ot get paid eough compesatio from the employer. Paymet is missed durig illess or ijury, per day, a amout equivalet to two thirds of their daily earigs. But this will NOT be apply If the paymet allowace Whe a subscriber havig a baby, paid a lump for every sigle child birth. Whe ormal birth is ot cosidered a disease because the cost for regular check-up ad delivery will be cosidered self. Whe abormal birth, obtai medical beefits will be covered by health isurace. After givig birth for more tha oe child, such as the twis will be the lump- Materity allowace If the subscriber will take a materity leave without pay, they ca apply for the materity allowace. Allowace will be paid from 42 days before the date of the birth ( apply if after gave a birth) or 98 days for multiple to 56th days from the day after birth date. But take a miute rest period, if the remueratio paid more tha the amout of materity allowace

5 Burial fees Whe a subscriber dies, the family burial (who had bee isured for a livig) paid burial fees. The absece of family, the cost of burial expeses paid for burial withi the amout of people buried i the burial fee. If the death of their depedets, the family burial fees will Amout that the health isurace that vary by compaies. Please visit at " Social Isurace Agecy" web site. MEMO メモ 欄