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.