Japan's insurance system is particularly perfect, and medical insurance protects most people. Although the system is perfect, the medical expenses in Japan are still very expensive compared with other countries. If you see a doctor with a cold, the cost of 1 visit is about 5,000 yen. The cost of treating 1 tooth decay is tens of thousands of yen, and the cost of hospitalization for cecal surgery 1 week is about 300,000 to 400,000 yen. If these are all self-funded, the economic burden can be imagined. Therefore, Japanese law stipulates that everyone living in Japan must participate in some form of "medical insurance". The "medical insurance" system aims at reducing the burden of medical expenses and supports each other with daily contributions.
Japan's international student insurance system
1. National health insurance
National health insurance is a very valuable welfare system in Japan. This system applies not only to Japanese people, but also to overseas students and business people who are eligible to stay in China. After joining health insurance, you only need to bear 30% of the medical expenses in principle, which is quite economical.
The principle of joining the national health insurance is to count from the day you arrive in Japan. If the application is late, it is necessary to pay the previous insurance amount, so it is better for international students to apply as soon as possible. Of course, while enjoying universal health insurance, we must also fulfill our corresponding obligations. To apply for national health insurance, you must first apply to the National Health Insurance Section of the residential area and the municipal government. You must show your residence permit and passport. If you have family members living together, you can join them together and make sure that the health insurance certificate contains the names of your family members.
Anyone who joins the national health insurance and goes to a hospital or clinic for medical treatment due to injury or illness only needs to pay 30% of the total medical treatment in principle (70% is paid by the national health insurance), but there are cases where it is not suitable for the conditions of the national health insurance and needs to be paid in full. For example: the cost of differential beds during hospitalization, the cost of special high-priced therapeutic drugs not recognized by medical insurance, and the cost of gold braces.
In the following cases, even if the medical expenses are paid in full, 70% of the insurance premium will be refunded after the application is approved.
(1) When you are injured by an accident, and you are not treated in a hospital that accepts national health insurance, or you are injured when you are traveling, there is no insurance certificate.
(2) Because of the serious illness, the doctor deems it necessary to increase the nursing expenses.
(3) receiving massage, acupuncture and other treatments under the guidance of a doctor, and receiving orthopedic treatment for fractures and sprains.
(4) Expenses incurred during plastic surgery.
(5) the cost of blood transfusion because it can't accept the nutrition supplied by normal channels.
(6) The transfer expenses for admission and transfer of critically ill patients.
If the same person pays more than a certain amount of medical expenses in a hospital every month, he can enjoy the subsidy system for high recuperation expenses and apply for a refund of a limited amount of medical expenses. But it does not include outpatient treatment fees and bed difference fees. If you move into a new place of residence, you should apply for a new insurance certificate in the urban and rural government of your new place of residence. In the processing window of the new residence, return the previous health certificate and apply for it again. If you don't replace it, you can't enjoy universal health insurance. Joining universal health insurance is an essential part of studying abroad.
2. Loss insurance
When national health insurance cannot cope with this situation, damage insurance is needed. Damage insurance refers to the treatment of injuries caused by accidents and other situations, as well as the compensation for injuries caused by equipment damage, which cannot correspond to national health insurance. There are two kinds: injury insurance and personal liability insurance.
Injury insurance is a compensation measure for injuries in daily life or travel. Personal liability insurance is compensation when others are injured or damaged due to their own fault.
3. Comprehensive housing compensation for international students
"Comprehensive Compensation for Overseas Students' Housing" is operated by Japan International Education Support Association, a consortium legal person. It aims to help international students prevent disasters caused by fires and avoid hurting the guarantors of dormitory lease contracts (students' friends, university faculty, etc.). ), and set up a special compensation system.
With a low premium (4,000 yen/year), international students can get perfect compensation when they are unfortunately damaged by fire. Those who can enjoy this compensation system are: Japanese universities, short-term universities, junior colleges, and enrolled professional courses (junior colleges) (those who are qualified to study abroad).