恵那市 Ena City

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恵那市観光サイトへのリンク

National Healthcare Insurance Program (NHIP)

09/24/13

National Health Insurance is a medical insurance program which you can acquire for an emmergency due to sickness or injury. The budget is acquired through everyone’s cooperation in order to distribute it to those in need.

Who can join the NHIP?

Those citizens living in Ena city and do not have any other health insurance should join the NHIP of Ena city.

Do Foreigners also have to join this program?

If you have an alien registration and are permitted to stay in Japan over one year, you should join the NHIP. 

Each household joins this program.

Every person, irrespective of age or living under a guardian who would be the household representative, is insured under NHIP.
Each household must join this insurance program and the head of the family must apply for the insurance and act as representative for the rest of the family
Ena city will issue a NHIP card to each family member.
The registered head of the family becomes the representative for the rest of the family, who can then also use the NHIP.

When you go to see a doctor.

Be sure to show your NHIP card at the reception when you visit any hospital.

*NOTE: The NHIP only covers 70% of your entire hospital fees, so you must pay 30% of the total cost for every visit. If you forgot to bring, have lost or are unable to show your NHIP card to the hospital receptionist you visit, you will have to pay 100% of the expense before you leave. However, in that case, you can still get a 70% refund from the total fees you paid if you apply for it afterwards to Ena City Hall.

Benefits of NHIP

You can receive the following medical benefits from NHIP:
Medical examinations
Medical treatment
Medicine and Injections
Hospitalization and nurse care (* NOTE: You must pay a separate meal fee for nurse care during your stay in the hospital)
Home medical care and home nurse care
Nurse care visitation (Only when doctors acknowledge & approve your need for it)

The cases where NHIP does NOT cover your visitation fees

In cases when you are not diagnosed as being sick
ex. Physical or medical check up, health screening, vaccinations, straightening of teeth, normal pregnancy/birth, to fix light body odor, liver spots, cosmetic surgeries, abortion for economic reasons.
Coverage through employees’ accident compensation insurance.
If you become ill or injured at your work place. (Your employer should bear the damage.)
Any treatment or operations which may not be considered as medical service under NHIP.

Each NHIP household representative has duty to make monthly payments

The household representative must pay the monthly premium for NHIP which is based upon your monthly or yearly income.

From when should holders pay the premium?

You have the right to join NHIP when you discontinue any other medical or health insurance program. Also, you have to pay the premiums from the month the change occurred.

How are the premiums and rates calculated?

The insurance premiums depend on each household representative’s income, the property situation, and the number of insurance holders.
The charge for NHIP includes three classifications:
(1) Medical care
(2) Support money for the elderly
(3) Nurse care
The total amount of premium is calculated by assessing the household income ratio, asset allocations, and per capita rate. These amounts for will be divided equally for every NHIP household representative.

Charges for the national health insurance are as follows:
medical care + support money for elderly + nurse care

Reduction of the insurance premiums

The insurance system has the following reductions:

  • For low-income families
  • When your income decreases considerably as a result of natural disasters or job loss
  • Joining this insurance program after NON-initiated reasons, such as job dismissal, redundancies, bankruptcy, failing to renew your contract, etc.

How to pay the monthly fees

You can pay the monthly fees for the insurance with:
(1) Account or money wire transfer
(2) Direct payment at banks
You must pay by the designated deadline. If the deadline for payment has passed, you will be charged arrears.
In the case of wire transfer, you must pay on the designated day. Insurance fees must be paid on the 14th of each month. (If the 14th is a bank holiday, payment can be made on the following business day.)

When do you need to apply? (Qualification)

You have to apply within 14 days after you join the NHIP or you will be automatically withdrawn from it.
*NOTE: When someone who is NOT in the same family applies for you, a Letter of Attorney (LOA) is necessary.

Joining NHIP

When you transfer from another district, city, town or village.

  • When you move to Japan from a foreign country.
  • When you leave from any other medical or health insurance program(s).
  • When children are born.
  • When you cease to receive welfare aid.
  • When people of foreign nationalities come to Ena city, they should join the NHIP.

Leaving the Ena NHIP

When you move to a different district, city, town or village.

  • When you join a different insurance program.
  • When you are supported by other insurance system.
    ※ Even if you can get Social health insurance from your company, you still have the obligation to pay for NHIP. In that case, you must inform the government that you wish to withdraw from NHIP immediately.
  • When you die.
  • When you receive welfare aid.
  • When people of foreign nationalities leave Ena city or Japan, they should quite the NHIP and join another if they stay in Japan.

Other procedures requiring you to report to the government about NHIP

When you change your address in Ena city.

  • When the head of household changes or his/her name is changed.
  • When a household splits or joins together (ex. two families merge together through marriage or some other reason).
  • When any member of the family lives separately for ex. studying abroad. (It's necessary to do this procedure every year in this case.)
  • When you lose your NHIP card or your insurance card is damaged.

When do you need to apply? (Regarding insurance benefits)

  • When you are hospitalized.
  • When you have payment trouble because medical expenses are too high.
  • When you had medical treatment without having a NHIP card. ●When you have to wear corsets for the medical treatment.
  • When you receive medical care overseas.
  • When you have health screening.
  • When you have a health check.
  • When you are involved in a traffic accident.

About lump-sum childbirth allowance

The NHIP will pay a lump-sum allowance of up to 420,000 yen for each new-born enfant. After the 12th week of pregnancy (85 days), you can still get the insurance allowance even if your child was stillborn or you had a miscarriage.

Contact

Citizen Welfare Department Insurance and National Pension Division Insurance Pension Section.
Tel. 0573-26-2111 Ext.145, 146, 147 and 148.