Workers with higher salaries tend to have better health benefits, such as access to private hospitals or additional medical services. Meanwhile, workers with lower salaries may find the burden of insurance contributions heavier, even though they still have access to the basic health services provided by the Japanese insurance system.
According to the official website of the Ministry of Justice of Japan, everyone living in Japan, including the one who sturdy or kerja di Jepang, regardless of nationality, is required to be enrolled in public health insurance. This policy aims to ensure that all residents can receive high-standard medical services at affordable prices. The system works by sharing the burden of costs among all members of society, thereby reducing out-of-pocket expenses for treatment.
Each insurance has its own terms and conditions. Check out the full review below.
- Health insurance for workers
Health insurance for workers in Japan is generally registered by the company where they work and receive Gaji di Jepang. In order to receive this insurance benefit, workers must meet certain requirements. One of them is part-time workers who, although their working hours are less than 30 hours per week, still work at least three-quarters of the total working hours of permanent workers at the same company.
In this system, the cost of health insurance is not entirely borne by the worker, but is shared between the company as the employer and the employee as the insured. This aims to ease the financial burden on workers and ensure that they have access to the necessary medical services. In addition, family members who are dependents of the insured are not required to pay insurance premiums separately, so they can also receive health protection benefits without the burden of additional costs.
- National health insurance for residents
National Health Insurance in Japan is intended for residents under the age of 75 who are not registered for health insurance through their workplace. Everyone living in Japan, including foreign nationals, is required to enroll in this insurance scheme to ensure they have access to more affordable healthcare services.
However, there are some exceptions for foreign nationals who do not need to register for National Health Insurance, such as those who are already registered for another health insurance scheme in Japan or who have an Official Certificate of Social Security from their home country.
The amount of insurance is calculated based on the number of family members in a household, and the head of the family is responsible for paying the premium for all family members. The process of registering and terminating National Health Insurance membership is carried out at the local government office, in accordance with applicable regulations.
- Health insurance for the elderly
Japanese residents aged 75 and over are required to enroll in the Medical Treatment Insurance for the Elderly, including eligible foreigners, even for workers as kaigo and receive Gaji Kaigo di Jepang. Individuals aged 65–74 with certain medical conditions are also eligible for this insurance.
The premium amount is determined based on the participant’s average contribution and income level. Registration and termination of insurance are carried out at the local government office.
