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National Health Insurance (Kokuho) is an important system that ensures the healthy and happy life of citizens, because it enables citizens to receive medical treatment with a light burden in case of having injuries or illnesses, without worries. The medical expenses paid by Kokuho are covered by insurance tax paid by citizens and contributions from the government. Additionally, the expenses are covered by the public treasury of the city in order to lighten your burden as much as we can.
Living in Chiryu city, all residents must join Chiryu Kokuho except the following individuals.
(Individuals who are exempt from Kokuho)
| When? | Details of changes | Items that should be brought |
|---|---|---|
| When you join Kokuho | When you have moved to the city from another municipality | personal seal, Kokuho insurance card (if you already have one) |
| When you discontinue health insurance from your company | personal seal, Kokuho insurance card (if you already have one) proof of discontinuing your company’s health insurance (leaving certificate, letter of separation, letter of loss of qualification of social insurance) | |
| When a child has been born | personal seal, Kokuho insurance card | |
| When you leave Kokuho | When you move to another municipality | personal seal, Kokuho insurance card |
| When you have joined the health insurance of your company | personal seal, Kokuho insurance card, National Health Insurance card | |
| In the case of death | personal seal, Kokuho insurance card | |
| Other changes | When you fall under the category of Retiree Health Care System | annuity certificate, insurance card |
| Address change in the city, change of head household or name, and separation or unity of household | personal seal, Kokuho insurance card | |
| When you need to have another insurance card in order to go to school after moving out | personal seal, Kokuho insurance card, student registration certificate | |
| When you need to have another insurance card in order to move from the city to work away from home or be institutionalize | personal seal, Kokuho insurance card, certification of working in the city or being institutionalized | |
| Re-bestowal | When you have lost your insurance card | personal seal, anything that verifies your identity |
Note:
In the event that an individual of a household needs to give any notification and has already joined Kokuho, he/she needs to present the insurance cards of his/her dependent family member. An individual subject to the Retiree Health Care System needs to present his/her annuity certificate for notifications.
Any delay in notification causes trouble.
The following are insurance payments covered by Kokuho.
Benefits package for medical treatments
The amount is adjusted at the counter of a hospital. A patient only needs to pay a partial amount of the expenses.
Medical treatment costs
You have to pay the total amount of medical expenses first, but you will receive redemption from the insurance.
High-cost medical expenses
This is a benefit package in the event that the amount paid for medical expenses was too high.
Other insurance benefits
Lump-sum allowance for childbirth and nursing and lump-sum funeral allowance.
An individual who has worked at a company or an administrative institution and has retired, and now receives mutual pension or receives employee pension (except individuals who fall under the category of Elderly Health Care) and his/her dependent family members can receive medical care through the Retiree Health Care System..
An individual who falls under all of following categories and his/her dependent family member
Once you receive an annuity certificate, you are required to notify us within 14 days.
When you are entitled to receive annual pension and have received an annuity certificate, please notify the Kokuho counter, bringing your annuity certificate, insured person’s certificate, and personal seal within 14 days, and register as an individual entitled to have an Employee’s Health Insurance Certificate.
Please present your Employee’s Health Insurance Certificate at the counter when you receive medical treatment.
The amount of the partial payment of burden has become the same amount as that of a general insured person as of April 2003.
The Long-Term Care Insurance System came into force in April 2000. Regarding the insurance, individuals aged 40-year-old to 64-year-old are regarded as insured persons of the Long-Term Care Insurance, second insured person, and these individuals are required to pay Long-Term Care Insurance fees (tax) together with insurance fees (tax) of medical treatment of health insurance in which the individuals have joined. Therefore, individuals aged 40-year-old to 64-year-old who have joined Chiryu’s National Health Insurance are obligated to pay insurance taxes for medical as well as insurance taxes for nursing care.
Kokuho taxes are charged to individuals who have joined National Health Insurance calculated per household. In accordance with the Local Tax Law, paragraph 4 of Article 703-4, it is calculated from four items: Per income levy, Per asset, Per capita and Per average.
Chiryu city has adopted four methods: Per income levy, Per asset, Per capita, and Per average. The tax rate is determined by municipal bylaw of the city based on the estimation of medical expenditure. (The amount of tax of Long-term Care payment is calculated similar to the expenses of medical care benefits.)
Classification | Explanation |
|---|---|
Per income levy | It is taxed by the amount of taxable income at a fixed rate. The amount of taxable income is the amount in which ¥330,000 of basic exemption is deducted from the total amount of income* from the previous year. * Note: The total amount of income from the previous year is the aggregate sum that is subjected to taxation by residential tax, such as earned income, annual pension income, business income, agricultural income. However, the total amount of income does not include temporary income such as retirement allowance and tax exempt income such as unemployment insurance, disability pension, and Survivors Pension Benefits. Additionally, various exemptions such as tax exemptions for dependents, medical expenses deductions, and social insurance premium deductions are not calculated. |
Per asset | It is taxed by the amount of Fixed Property Tax for land or buildings that you own at a fixed rate. |
Per capita | It is taxed by the number of insured persons who have joined the insurance at a uniform rate. |
Per average | A fixed amount is taxed per household. |
Classification | Expenses of medical care benefits | Long-term Care payment |
|---|---|---|
Per income levy | 6.5% | 1.2% |
Per asset | 20% | 3% |
Per capita | ¥24,000 per insured person | ¥6,000 per insured person |
Per average | ¥22,000 per household | ¥3,500 per household |
In order to seek a abate of insurance tax for lower-income insured persons, these individuals are taxed for the amount of Per capita and Per average rates are abated in accordance with the Local Tax Law, paragraph 5 of Article 703.
Classification | Rate of abatement |
|---|---|
Households with an income of less than ¥330,000 | 60% |
Households with an income of less than the amount that can be calculated as follows: ¥330,000 ´ the number of insured persons (excluding the head of the household) + ¥245,000 | 40% |
There are eight payment periods for insurance tax in Chiryu city each year. Please be sure to pay your insurance tax before the due date.
| Payment period | Due date |
|---|---|
| First period | July 31, 2007 |
| Second period | August 31, 2007 |
| Third period | October 1, 2007 |
| Fourth period | October 31, 2007 |
| Fifth period | November 30, 2007 |
| Sixth period | December 25, 2007 |
| Seventh period | January 31, 2008 |
| Eighth period | February 29, 2008 |
National Insurance and Medical Support Division, Municipal government of Chiryu
Main Switchboard: 0566-83-1111 (ext. 154 to 157)
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