IBM Japan Health Insurance Association

IBM Japan Health Insurance Association

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Insurance benefits

Health insurance pays various prescribed insurance benefits in the event of nonoccupational sickness or injury, childbirth, and death. The term “insurance benefits” refers to the provision of medical care services and payment for these services.

Tips
  • Insurance benefits are benefits from health insurance paid in cases of nonoccupational sickness or injury.
  • Benefits are available only for treatment authorized in advance by the national government as eligible for insurance coverage.

Benefits paid for nonoccupational sickness and injury

If you suffer form a sickness or injury resulting from nonoccupational causes, you can undergo treatment, including the treatments listed below, by showing your health insurance card at the counter of a hospital or clinic that accepts health insurance:

  • Medical consultation
  • Provision of medicines or therapeutic materials
  • Treatment, surgery, or other medical care
  • Medical care or nursing care at home
  • Hospitalization or nursing care

Use Worker's Accident Compensation Insurance for injuries sustained at work or while commuting

Health insurance provides benefits for nonoccupational sickness or injury. Worker's Accident Compensation Insurance covers injuries sustained at work or while commuting. Note that you cannot receive benefits from both types of insurance for the same injury.

  • *When even illnesses and injuries on-the-job are not targeted for benefits of the Worker's Accident Compensation Insurance, benefits of the health insurance are provided except the duties as the officer of the corporation (except for a corporation less than five employees).

Benefits-in-kind and cash benefits

Insurance benefits are provided in two ways: provision of the medical care itself to treat a sickness or injury and provision of money to cover the cost of medical care. “Benefits-in-kind” refer to the provision of medical care; “cash benefits” refer to the provision of cash to cover medical care costs.

In some cases you cannot use health insurance

Health insurance benefits are available only for treatment authorized in advance by the national government as eligible for insurance coverage as safe and effective treatment methods.

When you cannot use health insurance When you can use health insurance
Nearsightedness, farsightedness, astigmatism, and strabismus with no chance of recovery For medical consultations, checkups, and lens prescriptions by an insurance doctor for a vision abnormality
Cosmetic surgery For cosmetic surgery to treat an injury
Health examinations, screenings for lifestyle related diseases, complete check-ups For treatment deemed necessary following a medical consultation
Immunizations and preventive internal medicines For immunizations against tetanus when the possibility of infection is present
Normal pregnancy and delivery When treatment is needed for pregnancy-induced hypertension, abnormal delivery, or other related conditions
Voluntary abortions for economic reasons For abortion pursuant to the Mother's Body Protection Law for reasons other than economic reasons

In some cases, insurance benefits are provided subject to certain restrictions

Insurance benefits are restricted in the following cases, even for nonoccupational sickness or injury:

All benefits restricted
(not including funeral expenses)
  • Incident caused intentionally
All or some benefits restricted
  • Cases due to fights or inebriation
  • Receipt or attempted receipt of insurance benefits through fraud or improper means
  • Refusal to answer questions or acknowledge diagnoses according to Health Insurance Societies' instructions
Some benefits restricted
  • Failure to follow doctors' instructions with no justifiable reason
  • ** Insurance benefits also are not provided to individuals in Juvenile Training Schools, penal institutions, detention facilities, or similar facilities for various reasons, including the availability of alternate medical care benefits at public expenditure.

System for payment of medical care costs

Once you have shown your health insurance card for medical care, the medical care institution bills the Health Insurance Association monthly for the medical care costs covered by insurance. Note that it would be a highly complex undertaking for all medical care institutions and health insurance societies to handle such billing and payment individually.

Accordingly, billing and payment of medical care costs is carried out through healthcare bill check and payment organizations such as the Health Insurance Claims Review & Reimbursement Services (HICRRS). The Health Insurance Association is billed for medical care costs about two months later. Other payments, such as payment of benefits from health insurance to individual members, also takes place at least three months after the month of the medical care.

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