Public Health Insurance

A Public Health Insurance is a system to enable the insureds to secure medical expenses, which can be too expensive to prepare by themselves.
In some countries, whether or not to join a public health insurance is left at his/her will. However, in Japan, all residents are supposed to join it. So, people regard the insurance premiums as similar to taxes.
Actually, a Japanese public insurance system is not a simple mutual-aid system but something closely connected to the govermental policy. The national government contributes the system enormously. Besides, the government prescribes a certain portion of the premiums borne by the insureds of a plan for the younger people shall be diverted for the expenses of another plan for elder people. Therefore, the insureds hardly feel the premiums are used for ourselves.

As I explain in the each page, the amount of the insurance premiums of the National Health Insurance plan, the Long-life Medical Insurance plan, and the Nursing Care Insurance plan depend on the taxable income amount for the previous years of the each insured ( or household), while it of the Social Health Insurance plan depends solely on the salary amount of the each insured. In case you are covered by the former 3 plans, your insurance premiums may be reduced if your revenues decrease this year due to the corona virus epidemic by more than 30% in comparison with 2019. If you would like to know more about this relief measures, please make an inquiry to the municipal office. You can also put questions to the message board of this site.

Click to Message Board

〔In Japanese〕

国によっては、公的保険制度への加入を各人の意思に任せているところもありますが、日本では、すべての人が公的保険制度に加入することとされています。 よって、その保険料は、1種の税金のようなものとして考えられています。
実際のところ、日本の公的保険制度は、単なる加入者の相互扶助の仕組みではなく、政府の政策と密接に結びついたものです。 国は社会保険制度に対して莫大な資金拠出を行う一方で、若年者向けの健康保険制度の被保険者が負担した保険料の一部を、高齢者向けの制度のために流用することを定めています。 よって、被保険者たちは、保険料が自らのために活用されているとは実感しにくいのです。


3 main systems

There are 3 main plans, of which the Japanese public health insurance system consists. I am afraid that the plan names does not describe the nature of the each plan. The name shoule be changed into more straightforward ones. I introduce the each in the relevant page of this site.

(1) Social Health Insurance Plan

This plan shall cover people described below.

(2) National Health Insurance Plan

This plan shall cover people described below.

(3) Long-life Medical Insurance Plan

This plan shall cover people aged 75 and over.

〔In Japanese〕

公的健康保険制度は、3つの主要な制度によって構成されています。制度の呼び方が適切でなく、もっとわかりやすい名前に変えるべきだと思います。  それぞれの制度について、このサイトの該当ページで紹介します。

(1) 社会保険


(2) 国民健康保険


(3) 後期高齢者医療保険