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lajzar
Joined: 09 Feb 2003
Posts: 647
Location: Saitama-ken, Japan
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 Posted: Thu Mar 10, 2005 11:34 pm Post subject: Health Insurance Q. |
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What exactly are the rules?
There are three health insurance types I am aware of, private companies, national health insurance, and company health insurance (shakai hoken).
I understand that you must have one of these. Assuming you are working full time for a company, is that company obliged to:
a) Make sure you have some kind of insurance?
b) Offer you a place in the company insurance?
c) Something else? |
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Iwantmyrightsnow
Joined: 12 Feb 2004
Posts: 202
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| Posted: Fri Mar 11, 2005 1:34 am Post subject: Re: Health Insurance Q. |
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| lajzar wrote: |
What exactly are the rules?
There are three health insurance types I am aware of, private companies, national health insurance, and company health insurance (shakai hoken).
I understand that you must have one of these. Assuming you are working full time for a company, is that company obliged to:
a) Make sure you have some kind of insurance?
b) Offer you a place in the company insurance?
c) Something else? |
If you are working full-time they are legally obliged to enroll you on Shakai Hoken (Employee helth & Pension Insurance). You cannot opt out of it. The company is clearly breaking the law if the don't. (But of course some choose to break the law). You cannot be held responsible if the company does not enroll you.
If you are not enrolled in shakai hoken you are legally responsible to enroll yourself in National health Insurance and the pension thru your ward office. You are legally responsible to do so and can be forced to make back payments of up to 2 years if they crackdown.
Any other insurance that can be LEGALLY sold in Japan are as a supplemnt to these 2 schemes to cover the 30% that you are not refunded. It is illegal to sell such policies as a major form of insurance. But companies like Nova do this with their own JMA policy. Policies like Interglobal are also not technically legal but in most cases the government turns a blind eye.
There are many reasons why shakai hoken is worth the expense. Read about it at www.generalunion.org |
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