1. Why do international students have to apply?
In Japan, national health insurance is compulsory, and all Japanese nationals, including foreigners who have lived for more than one year, must also register as foreigners. Holders of visa 1 year or more must join the national health insurance. In addition, although the initial residence period is less than one year, those who have a residence permit for more than one year must join the national health insurance. Then, it means that as an international student, you must apply for national health insurance.
Second, medical expenses in Japan are very expensive.
For example, if you see a doctor for a cold, if you pay the full amount yourself, the cost of a treatment is about 5000 yen. The treatment cost of a tooth decay is about tens of thousands of yen, and the hospitalization cost of appendicitis is about 300 thousand to 400 thousand yen. If you bear the full amount, the economic pressure is huge.
The amount of insurance premium varies from place to place, which is about 700- 1400 yen (exchange rate: 1 RMB is about 18 yen); As an international student with no income, the premium can also be reduced. The insured person only needs to pay 30% of the medical expenses in addition to the registration fee.
Third, about universal health insurance.
The part of the general medical expenses that exceeds their own burden is paid by the state insurance.
Under 3 years old: 20% by yourself.
Over 3 years old -70 years old: 30% by yourself.
Over 70 years old -75 years old: 20% by themselves (30% by the elderly with annual income above 654.38+annual resident tax of RMB 4500).
Over 75 years old: the medical system for the elderly began to apply in the later period (65,438+00% of their own burden).
General medical expenses refer to:
Expenses incurred in consultation, hospitalization, nursing, medical treatment, surgery, home care, prescription of drugs and medical supplies, visiting and nursing.
For example:
Suppose Lao Wang goes to the hospital with a national health insurance certificate. Assuming that the actual medical expenses are 6.5438+0 million yen, Lao Wang only needs to pay 3,000 yen.
Suppose Lao Wang goes to the pharmacy to buy medicine with the prescription certificate issued by the doctor and the national medical insurance certificate Assuming that the actual medical expenses are 5,000 yen, Lao Wang only needs to pay 1500 yen.
The insured of the national health insurance only needs to bear 30% of the medical expenses.
note:
National health insurance should be applied from the first year you arrive in Japan. Some students didn't take the exam to save money. If they want to apply after getting sick, and think that the medicine fee is too expensive or the economy improves after coming to Japan for a period of time, they must pay all the expenses for the previous few days without paying.
Four. Refund of insurance benefits and expenses
Next, let's look at the following situations. Even if the medical expenses are paid in full, 70% of the insurance medical expenses can be returned if the application is passed.
1. Due to sudden accident, being treated in a hospital without national health insurance qualification, or sudden illness, being injured during travel, I forgot to take the insurance certificate for treatment.
2, due to serious reasons, the doctor thinks that nursing staff costs.
3. Receive massage, acupuncture, etc. According to the doctor's advice, go to the hospital for treatment of fracture and sprain.
4. The cost of plastic surgery.
5, can't accept the normal channels * * * to nutrition and blood transfusion.
6. Hospital transfer fee for critically ill patients.
Is it beneficial for international students to apply for Japan's national health insurance? To sum up, applying for universal health insurance has many advantages, not only enjoying the same medical treatment as Japanese nationals, but also seeing a doctor is much cheaper, and a person has basic protection abroad. When you go to see a doctor, you must remember to bring your insurance certificate!