Employees' Health Insurance

The employees' health insurance plan is designed for workers who are full-time employees (seishain) of a company. This would include salaried workers in companies, factories, stores, or offices. It does not include temporary help or contract workers (keiyaku shain). All eligible workers must enroll in this plan, regardless of nationality, sex, or individual preferences.

Premiums
Health insurance premiums for this plan are calculated by multiplying the subscriber's standard monthly income (determined by his or her monthly salary) by the insurance premium rate (84/1,000). The premium formula holds for both men and women. The employee pays half of this amount and the the employer pays half. The employer automatically deducts the employee's share from his or her monthly salary and then pays the employee's share and the employer's share.

Coverage
The employee health insurance illness, injury, and death for not only the subscriber but also all dependents of the subscriber. It also provides a special birth allowance. When the subscriber shows the insurance card at a hospital or other medical facility he or she will only have to pay 10%. Dependents of the subscriber will pay 30% for outpatient care and 20% for hospitalization. Please be aware that this insurance does not cover illness or injury suffered on the job.


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