About health insurance
Health insurance is a public medical care insurance system designed to provide assistance in the event of sickness or injury, time off from work made by sickness or injury, and childbirth and death.
- "Health insurance" provides readiness for unforeseen circumstances
- "The health insurance associations" that provide health insurance
- Description
- FAQ
- POINT
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- This is a medical care insurance system for employees and other people who work for private sector companies and similar employers, and their families.
- Health insurance is funded by the insurance premiums paid by insured persons and their employers.
"Health insurance" provides readiness for unforeseen circumstances
Events such as sickness or injury, time off from work made necessary by sickness or injury, or childbirth and death can result in unforeseen expenses and threaten one's livelihood due to loss of income. To prepare for such situations, a public medical care insurance system collects insurance premiums paid regularly by its members and draws on these financial resources to fund insurance benefits when people need them. Health insurance is one such public medical care insurance system.
"The health insurance associations" that provide health insurance
A Health Insurance Association is a public corporation that handles the tasks related to providing health insurance. Establishments that employ 700 or more employees on a continual basis or that include 3,000 or more employees in the same types of business or industry are eligible to establish health insurance associations with the permission of the Minister for Health, Labour and Welfare of Japan.
Roles of a Health Insurance Association
- 1. Insurance benefits: Medical care benefits
Covers medical care costs and pays various benefits for insured persons and their dependents in the event of sickness or injury, time off from work made by sickness or injury, or childbirth and death. - 2. Health activities: Improving member health
These activities include efforts to support improvements in the health of insured persons and dependents.
A Health Insurance Association provides various such services, including providing health information, opportunities for various preventative health examinations and use of athletic facilities and lodges.
Autonomous and democratic operations
A Health Insurance Association is operated autonomously and democratically under the Health Insurance Act, by a board with membership consisting of one-half employer representatives and one-half employee representatives.
The Health Insurance Association organization
| Society Committee | Like the national parliament, the Society Committee is the highest deliberative organ within the society's organization. It determines what the society will do and how it will do it. It makes decisions on important matters such as rules, insurance premiums, business plans, budgets, and settlement of accounts. The Society Committee membership consists of equal numbers of appointed Committee members chosen by the employer and elected Committee members elected by insured persons. |
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| Board of Directors | Much like the national government, the Board of Directors is the body that executes the decisions of the Society Committee. The Board membership consists of equal numbers of directors chosen from the appointed Committee members and elected Committee members. |
| Chairman of the Board | One chairman of the Board is selected from among the directors chosen from appointed Committee members. The chairman represents the society and has the highest level of responsibility for society management. |
| Managing Directors | With the consent of the Board of Directors, the chairman of the Board appoints Managing Director from among the directors. Managing Director assist the chairman and handle matters as needed for regular society business management. |
| Auditors | Two Auditors, one chosen from each of the appointed and elected Committee members, audit the society's business execution and financial conditions. |
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