As mentioned in the outline of social insurance, social insurance is a combination of public medical insurance and annuity insurance. And labor insurance is in a broad sense, but in a narrow sense, social insurance is medical insurance. It refers to welfare annuity insurance, which is insurance and annuity insurance.
In social insurance, health insurance and welfare annuity insurance are provided on a single sheet at the same time. Such as the application of business establishments, procedures for acquiring/disqualifying insured persons, calculation/payment of insurance premiums, etc.
Applicable business
Each firm is subject to social insurance on an individual basis. Businesses that fall under the categories of “compulsorily applicable business establishments,” which are required by law to join, and “voluntary applicable business establishments,” which voluntarily join, are both eligible for social insurance.
Compulsory application establishment
Corporate firms with fewer than five employees as well as businesses with five or more employees at all times are obligated by law to join. Regardless of whether the employer or employee wants to.
In addition, individual business establishments with fewer than 5 people and business establishments with 5 or more people in the following business categories are not compulsory members.
Voluntary application establishment
Voluntary application establishments are applicable to the individual establishments of the business categories shown in table (1) and the individual establishments that use less than 5 employees.
In order to become a voluntary business establishment. The business owner must apply and obtain approval from the director of the social insurance office, etc. With the consent of more than half of the employees.
Employees who choose not to join will still be subject to social insurance because it is a requirement of every company entity.
Person who will be insured
In general, all individuals employed at pertinent commercial establishments are covered by insurance.
A person who is “used” by an employer is one who gets paid a salary or wages in exchange for their labor.
Part-time advisors, corporate auditors, and other sole proprietors who have no relationship with the business owner are not insured.
When evaluating whether they have a regular usage relationship. Part-time employees are covered if their stipulated working hours and the prescribed number of working days. Are equivalent to or more than those of regular employees. Become a person.
Those who are uninsured are an exception.
- Those who have seafarer insurance
- They have the national health insurance association
- If you hired daily
- They are hired for a maximum of two months.
- People who are hired for seasonal work for up to four months.
- People who are hired for temporary work for up to six months, etc.
Long-term care insurance is available to people aged 40 to 64
- The long-term care insurance premium must be paid in addition to the health insurance premium. Since the health insurance-insured person becomes. The second covered person of the long-term care insurance when he or she turns 40.
- Only those over the age of 70 and under 75 are protected by health insurance.
- At the age of 70, you will no longer be eligible for welfare annuity insurance.
- Longevity medical system for people over 75 years old.
- From April 2008, people over the age of 75 will join the longevity medical system.The longevity medical system will also cover those who have been dependents.
Dependents
Health insurance provides the necessary insurance benefits even if a family member dependent on the insured becomes ill or injured. Dependents are those to whom this insurance benefit is provided.
Scope of dependents
Dependents are relatives within the insured’s third degree of kinship who, primarily on the insured’s income, maintain their livelihood as follows:
Livelihood maintenance only
Insured person’s direct lineage (parents, grandparents), spouse (internal ties are also possible), children, grandchildren, siblings
Livelihood maintenance + same livelihood (to share a house and household)
Relatives within the third degree of kinship other than one (brother, sister, uncle, nephew, etc., and their spouse, spouse of grandchildren/brothers and sisters, parents/children of spouse ) Parents/children of spouses who have an internal relationship ( Even after the death of the spouse)
Who is a livelihood
- In the case of the same household as the insured
- As a general rule, if your annual income is less than 1.3 million dollars and less than half of the insured’s annual income, you will be a dependent.
- If you are not in the same household as the insured
- If your annual income is less than 1.3 million dollars and less than the amount remitted from the insured, you will be dependent in principle.
- For the elderly and physically handicapped over 60 years old
- The standard of annual income is “less than 1.8 million dollars”. This annual income includes various pensions.
Various office work performed by the company
Hiring an employee
The employer must notify the social insurance office of the “insured qualification acquisition notification” within five days of the recruitment of an insured person.
When the insured retires
If an employee retires and is no longer covered, the employer must notify the social insurance office within 5 days of the date of disqualification, and we will return your personal identity card with the notation “Health insurance insured.”
The date of disqualification will be the day after the retirement date.
