Long-life Medical Insurance

The Long-life Medical Insurance system was established for the elders, at the age of 75 and over. People at the age from 65 through 74 can claim their enrollment if they have a certain level of disability.
Although it is called an " Insurance system", it is actually financed by the general account budget up to a half of its necessary expenses. Regarding the rest, the contributions, which resources are the Social Health insurance premiums and the National Health Insurance premiums, acount for a considerable part of it. So, it may not be absolutely accurate to call it so. We can never tell the system is managed by insurance premiumed contributed by the insured.

The insured can visit a doctor by paying only 10%, except those who earn as much as the middle-aged level. In comparison with the 30% payment of the Social Health Insurance plan and the National Health Insurance plan, the benefit is far larger. Heretofore, it has been regarded as fair and impartial, taken into consideration that the elders as a whole earn less and need to go to hospitals more times. However, more and more people realize that the younger generations lose their power to spare for elders by various changes of situations, some insist the elders shoud be required to pay more.

〔In Japanese〕



Insurance Premiums

The amount of the Long-life Medical Insurance premiums are calculated and notified to the local body, established in each prefecture to run the system. So that means the premiums amount can vary with prefectures you live in.

The premiums shall be paid with payment slips the insurer send to you together with a notification of the premiums amount. It sends them every year. As is the case with the National Health Insurance premiums, you can pay them with the automatic transfer from your bank accouont by submitting an appropriate application in advance.
Besides, if you receive public pensions of 180 thousands yen or more per year, the premiums shall be deducted from the public pensions under the Special Collection method. .

〔In Japanese〕



Real cases of the premium calculation

Here, I introduce 2 real cases of the premiums calculation. One is that in Gotsu city, Shimane prefecuture. The other is that in Kita ward, Tokyo..

Long-life Medical Insurance in Gotsu city, Shimane prefecture for 2018
Element Basis for premiums calculation Premiums amount/rate
Income Total amouont of income for the previous year 8.25%
Per capita - 43,400yen
Maximum Limitation amount 620,000yen

Long-life Medical Insurance in Kita ward, Tokyo for2018
Element Basis for premiums calculation Premiums amount/rate
Income Total amouont of income for the previous year 8.80%
Per capita - 43,300yen
Maximum Limitation amount 620,000yen

The premiums are levied with respective to each insured, not each household. This is an important difference from the calculation method of the National Health Insurance premiums.
Several preferential treatments are prescribed for those who are assumed to have a difficulty to bear the regural premiums amount. Among them, it for people who were dependents of the insured of the Social Health Insurance plan right before they join this system is a significant one. But, the range of people eligible to these preferential treatments are being made narrow these days. The background is corresponding to what I tell before.

〔In Japanese〕


島根県江津市の後期高齢者医療保険料 2018年
算定要素 後期高齢者医療保険料の算定基準 保険料率/額
所得割 前年の合計所得金額 8.25%
均等割 - 43,400円
最大限度額 620,000円

東京都北区の後期高齢者医療保険料 2018年
算定要素 後期高齢者医療保険料の算定基準 保険料率/額
所得割 前年の合計所得金額 8.80%
均等割 - 43,300円
最大限度額 620,000円