Today's column attempts to clarify some common questions about Japanese health insurance. First it is necessary to understand the differences between the two types. Shakai Hoken (SH), or Employees Health Insurance, covers employees/dependents of companies that subscribe to some health insurance plan. Kokumin Kenko Hoken (KKH), or National Health Insurance, is for self-employed people and other nonemployees and their dependents. With the exception of those working for Japanese companies, foreigners are usually covered by KKH. The coverage provided by the two plans is for the most part similar throughout Japan.
However, outside Japan there are differences. A reader asks if it is possible to receive reimbursement under his Japanese health insurance for his emergency medical treatment received overseas this summer. If he has employee insurance, SH, he should check with the insurance office at his company to see what his policy covers. Payments for some and often all of the costs are provided by most companies for medical care received overseas. To collect, he will need an itemized account of the expenditures and a statement of the care provided. It is advisable to pick up appropriate forms before any overseas trip in case they are needed. However, since KKH is administered by ward offices, there will be differences, usually depending on the financial condition of any particular ward. With very few exceptions, overseas expenses will not be covered. At this moment (but changes are frequent), Fuchu provides reimbursement; Minato Ward, where many foreigners live, does not.
Be aware that even experts can disagree, and there is usually a reluctance to provide precise information. Also, changes are not necessarily circulated among all those who may need the information. Still, it is important for everyone to understand what his/her insurance provides. When you inquire at the insurance section at your company or ward office, be sure to take along your alien registration card and your insurance papers. If the person you talk to does not seem knowledgeable about your questions, ask to speak to a specialist.