Health Insurance SystemMany people mistakenly believe that medical care in Japan is cheap. This is only because of the health insurance system. If health insurance is applicable, you will only need to pay 20% or 30% of the cost of your medical treatment.
It is well worth joining the health insurance scheme, as by paying regular premiums you will be covered in the event of illness or injury. Unlike in travel insurance, where you have to pay the full amount and then claim back some of the money, under the health insurance scheme you only need to pay your portion (20% or 30%).
Most people are eligible for health insurance (social insurance) and national health insurance.
In addition, the following benefits are available:
1 Excess Medical CostsIf you have to pay more than the fixed, monthly amount for medical expenses, you will be eligible to receive excess medical costs (the amount is fixed based on your income).
2 One-Time Payment for Childbirth and ChildcareOn the birth of a child you are eligible to receive a one-time payment of 300,000yen. (The amount may vary depending on the policy or the municipality.)
3 Burial CostsIf the insured, or a member of the insured family, dies the family is eligible to receive a sum of money to use for burial expenses. The amount payable varies according to the insurance scheme and to local administrative body.