Healthcare costs in Japan?

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pc95
Posts: 157
Joined: Sat Sep 17, 2011 9:26 pm

Healthcare costs in Japan?

Post by pc95 » Thu May 18, 2017 7:10 pm

Anyone living in Japan who can talk about how much healthcare there is for the public for 40-60 yro? Looking at work that may not have coverage. Ballparks are fine.

Thx.

bpp
Posts: 1884
Joined: Mon Feb 26, 2007 12:35 pm
Location: Japan Age:%bonds+10

Re: Healthcare costs in Japan?

Post by bpp » Thu May 18, 2017 10:20 pm

The calculations for the national health insurance scheme (国民健康保険) are rather complicated and location-dependent, but very roughly seem to come to about 8-9% of gross income. There is an absolute cap on the premiums, so for sufficiently high income levels the rate starts going down.

When you use the insurance, there is a 30% co-pay, with a fixed monthly cap (generally 50,000 yen per month, but again, the way it works is complicated, and there can be cases where you pay twice that).

On top of that, you can also get optional supplementary insurance through private companies. Plans vary, but typically would run 10,000-20,000 yen per month for life insurance, hospitalization insurance, and "big 3" (cancer, heart attack, stroke) or "big 7" insurance. I think the main value of the latter two is to help cover any loss of income while out on one's back, or to help defray the cost of exotic treatments not covered by regular insurance.

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