Health Insurance System

National Health Insurance

National Health Insurance is a health insurance program where costs of medical treatment for illness and injury are shared between national and local governments and subscribers, allowing subscribers to seek medical care free from financial concerns. All international students in Japan holding the status of residence "College Student" are required to enroll in the National Health Insurance, even if their period of stay in Japan is less than one year. They are not allowed to withdraw from the program at their own will either. (However, those who are enrolled in a mutual aid association or a health insurance as a dependent of a Japanese national or local government or private sector employee do not need to enroll in the National Health Insurance.) Subscribers must pay insurance premiums, but can then receive medical treatment or medication by paying only 30% of medical expenses incurred at a medical care facility that are covered by the Health Insurance Act. The remaining 70% of the medical expenses are covered by the National Health Insurance. (Please note however that some of the medical treatments (such as health examination and cosmetic surgery) are not covered by the insurance.)

1.How to apply

To enroll in the National Health Insurance, bring your Alien Registration Card, or the document proving that you have completed Alien Registration, to the National Health Insurance Section of the municipal office that you have done your Alien Registration. You will then receive the health insurance certificate. Make sure to bring your insurance certificate whenever you receive medical treatment at a medical care facility in Japan that is covered by health insurance.

2.Insurance premiums

Once enrolled in the National Health Insurance, you are required to pay monthly insurance premiums. The amount of premiums differs with each municipality.

3.National Health Insurance Subsidy for International Students in Kyoto

International students residing in Kyoto City are entitled to a subsidy for National Health Insurance premiums. This subsidy is aimed at supporting international students with their academic progress and reducing their health concerns during their stay in Japan.

Amount of subsidy 700 yen per person per month ※The period of subsidy payment is divided into two terms of April to September and October to March, and the payment is made in January and July for each half-year term respectively. Monthly payment is not available.
Requirements
  • ・Residing in Kyoto City and enrolled in the National Health Insurance of Kyoto City
  • ・Currently enrolled at a university/college in Kyoto City
  • ・Privately-financed international student who is not receiving scholarships from the Japanese government
  • ・Holding the status of residence "College Student"
  • ・Paying the National Health Insurance premiums
  • ・Have been staying in Japan for more than six months at the time of application
When to apply September
Period of subsidy 1 year from April to March of the following year (two periods from April to September and from October to next March)

※Those who expect to graduate in the year concerned or who lost the eligibility for the subsidy (by moving out of Kyoto City etc.) in the middle of the year will not receive the subsidy for the term that includes the date of graduation or the date of loss of eligibility (they are eligible to receive the subsidy for April – September of the year).

Application period
Date of payment
Apply at the website of the Kyoto City International Foundation during the following application period.
    Application period Date of payment
New applicants New students enrolled in April September 1 – September 30 January 31
Current students who newly apply for the subsidy
Returning applicants Those who continue to apply for the subsidy
Documents to be submitted to Division of International Affairs
  • ○Application for Transfer to Bank Account
  • The bank account to receive the subsidy must be an account of Kyoto Chuo Shinkin Bank. You need to open an account at Kyoto Chuo Shinkin Bank prior to application.
  • ○Photocopy sheet for National Health Insurance Certificate
Notes
  • ○Due to the regulations of "Kyoto City National Health Insurance Subsidy Project for International Students", international students who fall under one of the following are not eligible to receive the subsidy.
    • ・Screening for January payment: those who have paid less than half of the designated insurance premiums between the 1st and 5th periods of the year
    • ・Screening for July payment: those who have paid less than half of the designated insurance premiums between the 6th and 10th periods of the previous year
  • ○Make sure to pay your insurance premiums without delay.
  • ○For payment of insurance premiums made at a convenience store or a post office, update of information may take maximum three months. It is therefore recommended that you make payments by bank account transfer.
  • ○You will not be able to receive the subsidy for the term that includes the date of your graduation (April – September or October – following March) as the status of your insurance premium payments cannot be confirmed while you are enrolled.
4.Medical expenses incurred overseas

Subscribers of the National Health Insurance who have received medical treatment for illness or injury while staying in a country other than Japan (including their home country) and submitted the necessary documents including the Attending Physician's Statement to the National Health Insurance section after returning to Japan are entitled to receive a partial reimbursement of the medical expenses incurred that is equivalent to the amount covered by the insurance.

<Procedures>
Receive medical treatment for illness or injury at an overseas medical care facility
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Pay the full amount of medical expenses incurred at the overseas medical care facility
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Ask the medical care facility to fill in/issue the following documents
  • 1.Attending Physician's Statement
  • 2.Itemized receipt
  • 3.Request for translation
Submit these documents to the National Health Insurance section of your local municipal office after returning to Japan
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You will receive a reimbursement equivalent to the amount covered by the insurance
  • ※If the above documents issued by the overseas medical care facility are in a language other than Japanese, a Japanese translation must be attached.
  • ※The amount to be reimbursed is calculated based on the amount that would incur for the same treatment at a medical care facility in Japan.
  • ※Medical treatments that are not covered by health insurance in Japan are excluded.
【Inquiries】
For inquiries regarding insurance premiums, reduction of insurance premiums and other issues of National Health Insurance, please contact the National Health Insurance section of your local municipal office.