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| Kaigo
Hoken: The Long -Term Care Insurance System |
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As bedridden elderly people as well as those aged people suffering
from dementia are on the rise, the "Kaigo Hoken",
Long-Term Nursing Care System gains importance. The objective is
to support the burden of nursing which is to be shared by
the whole of society. Kaigo Hoken System provides services
such as; visiting care, day care and brief stays at nursing
facilities.
People with alien registration in Osaka City 65 years and
older (Category 1 insured ), or 40 to 64 years of age (Category
2 insured ), who are covered by medical insurance, and whose
residency permit exceeds 1 year in length, must enroll in
the Kaigo-Hoken system of Osaka City.
Those people whose residency permit is initially under 1 year,
but who are likely to extend their stay given their original
purpose for coming to Japan or the circumstances of their
life since coming to Japan, are also obliged to enroll.
•Application and Payment for Nursing
Care
In order to utilize the Kaigo-Hoken service, it is necessary
to submit an application to the Long-Term Care Insurance Section (Kaigo Hoken Tanto) at the Public
Health and Welfare Center in the ward where you completed your registration
of foreign residents to receive recognition of your need for care (need
for assistance). You may submit the application in person, or ask
a family member or other person such as your home care worker to submit
it on your behalf. Please consult with the Public Health and Welfare
on this matter. For those from 40 to 64(Category 2 insured), people who
need care due to illness resulting from aging, such as presenile dementia,
are eligible for services.
For Category 1 insured persons, insurance premiums are divided
into 5 levels, and fees are based on yearly income.
Category 2 insured persons pay their Kaigo-Hoken premiums
along with their medical insurance premiums. The fees in
this case are determined according to the calculation method
used by the medical insurance system under which they are
covered.
•Self-pay ratio
When receiving services, the insured are required to pay 10% of the total
cost. When receiving services at a care facility, staying briefly
at a nursing facility, or receiving home visits the insured must bear the
cost of meals and/or accommodation charges in addition to the 10% of the
total cost.
•Kaigo-Hoken Insurance Card
Insurance cards will be issued to all people over 65 years
of age. Please bring the insurance card with you when you
apply for recognition of need for care (need for assistance)
at the ward office.
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