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Guide to Health Insurance -- Please contribute!
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Tue Feb 02, 2010 4:22 am    Post subject: Reply with quote

Glenski wrote:
This just out from The Japan Times:
http://search.japantimes.co.jp/cgi-bin/nn20100202a1.html

New visa rule on insurance to be deleted

...


Well, that settles it, then! Time to rewrite the guide. But it's 4 am here in the UK, so I really should get some sleep first.

Which reminds me.... In the hope of making this guide as useful as possible, I'm considering moving it to a publicly editable wiki. (E.g. http://wiki.frugaljapan.com/.) Does anyone have any strong opinions about this?
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Wed Feb 03, 2010 1:31 pm    Post subject: Reply with quote

Glenski wrote:
Tie-breaker? Just how trustworthy is that HR official who outright claims that SIA lies?! I would hesitate to believe such a strong claim.


This is what my source tells me:

It is widely believed / assumed that pension contributions are mandatory for those on kokumin kenko hoken. Your ward office will probably act as if it's mandatory. But it's not. At this point in time, there is no such law. (The law is likely to be amended in future, but it hasn't happenned yet.)

If a civil servant tries to push you into making pension contributions, ask them to show you the article of law which requires you to do so. They can't, because there isn't one.

Like I said, most Japanese are not aware of this. She only knows this herself because she used to be a professional tax accoutant. (She describes this as a Easter Egg of the tax system.)

Anyway, given the level of skepticism I've encountered, I think it's approporiate that I will put my source's credentials in the Original Post and let the reader make his own mind up.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Wed Feb 03, 2010 1:34 pm    Post subject: Reply with quote

Grrrrr! I can't edit the original post from this computer. I keep getting logged out! I'll have to do it later.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Thu Feb 04, 2010 12:30 pm    Post subject: Reply with quote

Amendments

Updated to reflect the Immigration Bureau's new position on clause 8 of the visa requirements. Also clarified pensions for those on kokuho.
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Glenski



Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN

PostPosted: Thu Feb 04, 2010 12:51 pm    Post subject: Reply with quote

Pitarou,
Please stop editing your posts! It becomes incredibly difficult to review what has been written. No, it's flat-out impossible.

You wrote:
Quote:
Ah!! I got it backwards! Embarassed It's a good thing that you and Glenski are on hand to correct me. Thanks.

EDIT: No. I was right the first time. See Claim 6 in the Original Post.

...but you no longer have a claim 6 anymore.

As for being "skeptical" about your "HR expert", you make it sound as if you are merely brushing us off. I'm sorry but that sounds pretty condescending here, and we don't know your source at all. The SIA has documented its regulations. The union has documented its discussions with them and shown some vagueness in how they are interpreted. I think the best thing you can do is post what you can as documented info (not hearsay from an HR official), and (as you wrote) let people decide whether to be skeptical or not. Just document your sources well.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Thu Feb 04, 2010 11:31 pm    Post subject: Reply with quote

Glenski wrote:
Please stop editing your posts! It becomes incredibly difficult to review what has been written. No, it's flat-out impossible.

I don't know how I can keep the guide up-to-date, relevant and accurate without editing it. Would it be better if I moved it to a wiki, so you can view and compare previous versions?
Glenski wrote:
As for being "skeptical" about your "HR expert", you make it sound as if you are merely brushing us off. I'm sorry but that sounds pretty condescending here, and we don't know your source at all.

You're right, of course. I wanted to be impartial, and in fact I'm just displaying my own prejudices. Again, do you think that putting the guide in a wiki that others can edit might help?

Anyway, it turns out that I got a key fact wrong. Not my source's fault. I just misinterpreted what she said. She told me something like:
Quote:
The ward office might tell you that you can't get health insurance without having a pension. They're lying! Tell them to show you the law that says so.

which I took to mean there is no legal requirement to have a pension. In fact, there is such a requirement. It lies in the same legal grey area as health insurance: it is legally required, but there are no sanctions for breaking the law. What she really meant was:
Quote:
Your ward office might tell you that they won't give you health insurance if you don't have a pension. Don't let them get away with this.

My apologies to any whom I've misled. Sad

The Japanese pension system is a think of near-infinite complexity -- the more I learn, the less I understand. I will just delete the stuff about pensions from the guide, because whatever I write is likely to be wrong in some cases.
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fluffyhamster



Joined: 13 Mar 2005
Posts: 3292
Location: UK > China > Japan > UK again

PostPosted: Fri Feb 05, 2010 12:31 am    Post subject: Reply with quote

Just to say that number 3 in the 'More Amendments' post on page 1 should probably read shakai rather than kokuho. So get editing again, Pitarou! Laughing Wink Smile
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Fri Feb 05, 2010 12:49 am    Post subject: Reply with quote

fluffyhamster wrote:
Just to say that number 3 in the 'More Amendments' post on page 1 should probably read shakai rather than kokuho. So get editing again, Pitarou! Laughing Wink Smile


Well spotted. I should have said that kokuho is more expensive because the employer doesn't have to pay 50% for kokuho. Anyway, it's correct in the Original Post, so I think I'll just leave it how it is.
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Glenski



Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN

PostPosted: Fri Feb 05, 2010 4:24 am    Post subject: Reply with quote

Pitarou wrote:
I don't know how I can keep the guide up-to-date, relevant and accurate without editing it.
You could repost it here and call it "version 2.344556 or something. The latest post you make would be the most recent up-to-date version, and you could edit your OP to say that readers should follow the thread for that.

or...

Quote:
Would it be better if I moved it to a wiki, so you can view and compare previous versions?
This would be better, but you run the risk of any Joe Schmoe adding to it with false information. Your choice.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Thu Mar 11, 2010 10:47 am    Post subject: Reply with quote

I have another not-widely-known nugget of information about kokumin kenko hoken, which could be useful for some people. I thought I should check it out with the forum before I add it to the guide.

I have been told that kokuho works on a monthly cycle. What this means is that if I join kokuho at any time during a calendar month, I am covered for the whole month. This has proved handy for me, because I arrived in Japan on a tourist visa and don't expect to get my working visa until near the end of March. (Yes, this is perfectly legal.) Without this info, I would have been paying for private health insurance that I never needed.

Does anyone disagree with me adding this to the guide?
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Glenski



Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN

PostPosted: Thu Mar 11, 2010 12:42 pm    Post subject: Reply with quote

Pitarou wrote:
I have another not-widely-known nugget of information about kokumin kenko hoken, which could be useful for some people. I thought I should check it out with the forum before I add it to the guide.

I have been told that kokuho works on a monthly cycle. What this means is that if I join kokuho at any time during a calendar month, I am covered for the whole month. This has proved handy for me, because I arrived in Japan on a tourist visa and don't expect to get my working visa until near the end of March. (Yes, this is perfectly legal.) Without this info, I would have been paying for private health insurance that I never needed.
Are you saying that you can get such insurance before you get a visa?

Quote:
Does anyone disagree with me adding this to the guide?
Do I have to remind you NOT to edit your initial post again? If you MUST, please support your latest tidbit with a valid link to an official source.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Thu Mar 11, 2010 1:33 pm    Post subject: Reply with quote

Glenski wrote:
Pitarou wrote:
I have another not-widely-known nugget of information about kokumin kenko hoken, which could be useful for some people. I thought I should check it out with the forum before I add it to the guide.

I have been told that kokuho works on a monthly cycle. What this means is that if I join kokuho at any time during a calendar month, I am covered for the whole month. This has proved handy for me, because I arrived in Japan on a tourist visa and don't expect to get my working visa until near the end of March. (Yes, this is perfectly legal.) Without this info, I would have been paying for private health insurance that I never needed.
Are you saying that you can get such insurance before you get a visa?

If I get my visa and join kokuho at the end of the calendar month, I am retrospectively covered for the whole month.

I don't know of any official sources, so I'll have to mark it as unconfirmed.
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cariocas27



Joined: 17 Dec 2009
Posts: 8

PostPosted: Thu Mar 11, 2010 2:14 pm    Post subject: Reply with quote

Unfortunately I would say you're only half right.

Monthly cycle means that you're billed every month. When you sign up you get a stack of bills that you have to pay monthly (or lump sum for the whole year if you can afford it). However if there are discrepancies then your bills will reflect those changes. E.g. (my August bill was cheaper than the rest because I was only on it for two weeks).

I enrolled in Kokumin Hoken at the end of August thinking my employer wasn't going to give me Shakai Hoken, found out that I was in fact going to be getting Shakai Hoken and asked to be removed from the latter.

HOWEVER, since my coverage for Shakai Hoken started in September I was still owing for the two weeks or so that I had been on Kokuho in August; so when I went to the Ward Office they ripped up my kokuho bills and told me I was going to be sent a bill reflecting the outstanding charges for the two weeks I was enrolled.

So in essence you pay according to how long you're on the system.
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Pitarou



Joined: 16 Nov 2009
Posts: 1116
Location: Narita, Japan

PostPosted: Thu Mar 11, 2010 3:34 pm    Post subject: Reply with quote

cariocas27 wrote:
Unfortunately I would say you're only half right.
...
So in essence you pay according to how long you're on the system.


Maybe you're just being polite, but from what you're telling me it would seem that I'm 0% right. Clearly, some more fact checking is in order.

My full story is: My employer wanted me to provide evidence that I will be insured for the period from when I arrive in Japan to when I start working for them. That's not a problem once I have residency status and can join kokuho, but it looked like getting private insurance for the period when I'm on a tourist visa was going to be expensive. (Most travel policies exclude one-way trips.)

My "source" (as I've described her earlier in this thread) came to the rescue and told me about this feature of kokuho. I passed this information on to my employer, and gave them the phone number of the Social Insurance Agency office if they wanted to check. They seemed satisfied with.

Of course, it's possible that my source is wrong and my employer didn't bother to phone the SIA. I'll research this some more when I get the chance.
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seklarwia



Joined: 20 Jan 2009
Posts: 1546
Location: Monkey onsen, Nagano

PostPosted: Thu Mar 11, 2010 9:59 pm    Post subject: Reply with quote

Tourists are not required to pay into any form of government insurance and are thus not covered.

If you entered on a work visa but didn't sign up for Kokuho or get signed up for Shakai Hoken you would be covered from the moment you landed because you would be charged from when your visa period started and not from when you signed up.

If you are getting a work visa later, you will likely only be charged from the time that you actually got your visa regardless of when you signed up and would therefore not be covered for anytime you were still under tourist status.
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