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Page of Yokohama-shi National Health Insurance


About premium

   

Contents

 

 



Structure, decision, change of premium
 
1. Structure of premium

 
National Health Insurance charges calculate about person insured (member) of same household.
 We calculate premium of each classification (for medical care for support for care) every person insured of household, and thing which we added up becomes premium of household.
 We tell about premium with "amount of National Health Insurance charges decision letter of advice" or "amount of National Health Insurance charges letter of advice" and demand premium for all the people insured of the household from family nurturer. When there is person insured of National Health Insurance in the same household even if family nurturer is not person insured of National Health Insurance, I request premium that calculated only share of person insured from family nurturer and send to family nurturer by fate of laws and ordinances.

 
2. The way of calculation of premium

 
Premium becomes net total of "the amount of person insured per capita rate" and "the amount of income percent".
 "The amount of person insured per capita rate" adds up insurance rate according to the number of people insured.
 "The amount of income percent" multiplies insurance rate by standard gross income amount of money (to term explanation) every person insured and calculates.
 Insurance rate is fixed by the number of Yokohama-shi of all the people insured and income amount of money based on the total sum (premium of the whole Yokohama-shi) of insurance rate.
 The total sum of premium removed for transfer of city expense from frame which was necessary for payment of money of National Health Insurance operating cost payment to gain in Kanagawa (※ 1) for transfer by insurer support system (※ 2).

※Money of 1 National Health Insurance operating cost payment is expense to run National Health Insurance that the municipalities pay for the metropolis and districts.
※2 insurer support systems are systems that country, prefecture, city bears to relax premium burden. 
◎As for the insurance rate, please see this.
Insurance rate is link to thisInsurance rate to this


 
 [figure of image of premium calculation]
 

The way of calculation


★Please see this about standard gross income amount of money.
Link to term explanationTo standard gross income amount of money (term explanation)

◎Person wanting to know how to decide insurance rate in detail look at this.
Link to how to decide insurance rateTo how to decide insurance rate

◎Person estimating National Health Insurance charges look at this.
 To estimate page of premium

 
3. Determination of amount of premium

 
Household unit determines premium.
 In the middle of June, we decide premium of interval until March by the number of people and the income situation of all the people insured every household in the next year from April of the year and notify every year. On decision, we calculate as thing having it continues until March in the next year and take out National Health Insurance.

 
4. Change of the amount of premium

 
When we calculate the amount of premium due to next 1-9 again after having decided the amount of premium, we will tell by "National Health Insurance charges letter of advice".
  1. When we took out National Health Insurance newly or we stop
  2. When the number of the people insured for premium calculation increased or it decreases
  3. When the income situation of person insured for premium calculation includes change
  4. When we change reduction ratio of amount of person insured per capita rate
  5. Case that became person insured of The Long-term Care Insurance (became 40 years old)
  6. Case that became person insured of medical system for elder senior citizens (became principle 75 years old)
  7. When identification of person insured number (number of health insurance card) changes
  8. When the amount of premium of the collection is usually changed by changes of payment method
  9. When payment method is changed for special collection or the normal collection





Because burden for care occurs other than for for medical care and support when there is person insured reaching 40-year-old birthday in household, we calculate the amount of premium again after being over and will tell about 40-year-old birthday by "amount of National Health Insurance charges letter of advice".
 
● When, as a result of re-calculation, the amount of premium increases
 
The amount of premium on conventional deadline will increase the amount of premium after deadline to come equally from now on without changing.
 
When, as a result of re-calculation, the amount of premium increases

 
● When, as a result of re-calculation, the amount of premium decreases
  (in the case of fund transfer or payment notice payment)
 
The amount of premium on conventional deadline will reduce the amount of premium after deadline to come equally from now on without changing. But we reduce from the amount of premium on the last deadline sequentially when we cannot reduce only for the amount of premium after deadline to come from now on.
When, as a result of re-calculation, the amount of premium decreases


 
● When all the members of household are not people insured
 
We calculate the amount of premium according to the number of the moon where person insured took out National Health Insurance again.
 When there is more amount of premium after re-calculation than the total of the amount of premium on conventional deadline, as a result of re-calculation, we request for balance as the amount of premium on deadline to come from now on.
 In addition, we reduce balance share from the amount of premium on the last deadline of premium before change sequentially when there is little amount of premium after calculation.
When all the members of household are not people insured



※1  When there is fraction less than 100 yen, we will gather up from now on on deadline of coming beginning.
※2  I return premium that, as a general rule, I put by method of account transfer too much so far when there are more sums that had you put than sum that should have you put.
 About premium to give back, send separately; please confirm "National Health Insurance charges with return (the appropriation) letter of advice".

 
5. News of amount of premium decision to person insured becoming 75 years old (person insured of medical system for elder senior citizens) by March in the next year, change

 
 We calculate as thing having you continue once until March in the next year and join national health insurance and will tell about the amount of premium by "amount of national health insurance charges decision letter of advice" for this year of person insured becoming 75 years old (person insured of medical system for elder senior citizens) by March in the next year.
 We actually calculate the amount of premium of several minutes a month when we joined (again) and will tell by "amount of National Health Insurance charges letter of advice" some other time after becoming 75 years old (after taking out medical system for elder senior citizens).

 
6. Period limit of levy determination of premium
 
 

By revision of the National Health Insurance method, levy determination of premium after 2015 reckons from the next day on deadline of the first premium in the year concerned and cannot make two years into after day that passed.

 When report of report and income to stop National Health Insurance is late, please be careful as you may not reduce premium.



 

 
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Deadline, payment method [in the case of the normal collection] of premium
 In the case of special collection from pension , please see this
1. The amount of monthly premium

 
Premium divides into (10 times a year) every month until March in the next year from June, and please put.

● The amount of one payment
      The amount of payment of /10 time of amount of annual premium = one time
● Example of the amount of payment
 For example, the amount of premium that the amount of annual premium has once pay in the case of 150,000 yen is 15,000 yen.
      150,000 yen /10 time = 15,000 yen

April (usually) There is no payment※
May
June 15,000 yen
July 15,000 yen
August 15,000 yen
September 15,000 yen
October 15,000 yen
November 15,000 yen
December 15,000 yen
January 15,000 yen
February 15,000 yen
March 15,000 yen

 When we calculate premium for May for April, we include in the amount of premium after June period and request. For example, in the amount of premium of the year concerned, we express the amount of premium to have you put on the end of July, and "for July period" is not the amount of premium of "for July".)
 
2. Deadline of premium

 
Premium divides into (10 times a year) every month until March in the next year from June, and please put.
 Premium is important resources to maintain system. Please put by all means before deadline.
 Even if it is past deadline of the delivery, we send out reminder when there is not payment and inform that it is unpaid. In addition, we add arrearages according to the days from the next day of deadline for designation to day of payment when it is past time limit when we appointed in the letter of demand.

 It is the last day of month on each deadline in deadline of the delivery of premium. (at the age of holidays such as financial institutions, it is next business day.)



 
3. Start of payment of premium

 
Please pay premium from share of the moon which became person insured (stopped insurance that we took out) (not from share of month when we had report). When report of participation is late, we will have you put back to previous share. In addition, as for the premium when we stopped National Health Insurance, it becomes just for the last month of the moon which we left. We would like report early.
 
 
4. Payment method of premium

 
As for the payment of Yokohama-shi National Health Insurance charges, fund transfer is principle.

● Payment by fund transfer
 
We pay premium from account registering on next fund transfer day. In addition, we sail up before last year, and the amount of premium was changed and may change in April or May.


 Transfer day is 29th of each deadline month, but the previous business day usually becomes transfer day when we are holidays such as financial institutions.



☆As for application for fund transfer and the paying teller of premium, please see this.
To page of treasurer roomApplication and payment window
<we finished procedure>
 
 I send "news of National Health Insurance charges payment method" from ward office. Please confirm withdrawal accounts on fund transfer planned deadline on the next time. Please put with payment notice in financial institutions until fund transfer begins. (we sail up premium before starting fund transfer and cannot pay.)

● Payment with payment notice
 
 When fund transfer is not used, we mail payment notice. If payment notice arrives, please put at financial institution or convenience store by listed deadline of the delivery.

Payment notice is sent as follows.
The moon to sendThe number of sheets to sendDeadline
June Two pieces For June period
For from July to March period
(payment notice for payment in advance)
July Three pieces For July period
For August period
For September period
October Three pieces For October period
For November period
For December period
January Three pieces For January period
For February period
For March period
※1  We send payment notice in "the moon to send" in season.
※2  About household where the amount of premium turned into by the number of members and changes such as the income situation in the middle of the year, I send payment notice after change at any time. Therefore I sail up before last year, and the amount of premium was changed and may send payment notice in April or May.
※3  About payment notice for payment in advance
 From 2018, we decide to enclose payment notice (for June period) and payment notice (for from July to March period) for payment in advance in amount of National Health Insurance charges decision letter of advice in June for - March period which hopes for payment in advance (collective payment for the year) for the entire period for June period. When we have you pay share in advance for the entire period, we hope that we have you pay two pieces of payment notice (for June period) and payment notice (for from July to March period) for payment in advance in total.

☆Please see this about payment at convenience store.
To page of National Health Insurance charges convenience store paymentConvenience store payment


 


 
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Amount of premium calculation method when it was moved into from the Yokohama suburbs
 
 Income amount of money to become the calculation basics of premium is grasped every year in the address ground as of January 1. Therefore, in the case of one moved into from the Yokohama suburbs, we inquire of the local government of the address ground as of January 1 about the income situation from ward office and calculate the amount of premium. 
 As we cannot calculate the amount of income percent till there is answer from the local government of reference, it is unavoidable and may request only the amount of person insured per capita rate. In addition, as a result of having calculated the amount of premium based on answer to inquiry contents again, we will tell by "amount of National Health Insurance charges letter of advice" some other time when the amount of premium increases and decreases.


 
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Reduction of taxes of reduction, premium of the amount of person insured per capita rate
 
1. Reduction of the amount of person insured per capita rate

 
When we calculate the amount of premium, about household less than income standard determined by laws and ordinances, we reduce 70%, 50% of the amount of person insured per capita rate or 20% because of each for for support and care for medical care.
 It is decided by the next standard whether you correspond to reduction of the amount of person insured per capita rate.
 In addition, we extended range target than 2017 in 2018.

◎Reduction standard list

The amount of 2018 standard
 "Amount of adding up such as gross income amounts of money" (to term explanation) in 2017 when we calculated about all family nurturer and the people insured belonging to the household (to person from specific same household position (term explanation including)) is households less than amount of money of next
Sum to be reduced
330,000 yen
70% of the amount of person insured per capita rate
330,000 yen + (to person from specific same household position (term explanation belonging to 275,000 yen X person insured and household the number of the adding up of))
50% of the amount of person insured per capita rate
330,000 yen + (to person from specific same household position (term explanation belonging to 500,000 yen X person insured and household the number of the adding up of))
20% of the amount of person insured per capita rate


The amount of 2017 standard
 "Amount of adding up such as gross income amounts of money" (to term explanation) in 2016 when we calculated about all family nurturer and the people insured belonging to the household (to person from specific same household position (term explanation including)) is households less than amount of money of next
Sum to be reduced
330,000 yen
70% of the amount of person insured per capita rate
330,000 yen + (to 270,000 yen X person insured and person from specific same household position (term explanation the number of the adding up of))
50% of the amount of person insured per capita rate
330,000 yen + (to person from specific same household position (term explanation belonging to the number of the 490,000 yen X people insured and household the number of the adding up of))
20% of the amount of person insured per capita rate
 
 We cannot reduce the income situation about not clear household where one is. When "municipal tax, prefectural tax report" or "income petition of National Health Insurance" reaches about person only for tax-exempt income such as receiving supply reason and pension , pension, old-age welfare pension to do, please submit person and obstacle that the last year or the year before last did not have income at all or the death.

 
2. Reduction of taxes of premium

 
When it is troubling to pay premium by disaster, other circumstances, reduction of taxes of premium may be received. For more details, please consult with ward office Insurance and Pension Division National Health Insurance Section of ward to live. 

CircumstancesStandardReduction, exemption
Disaster  When assets such as house, office are damaged by storm and flood damage, fire, earthquake disaster more than 20%  Share is exempted from for for four months or six months by degree of damage
Low income  When the amount of adding up such as gross income amounts of money with possibility of the inside corresponds to reduction standard list mentioned above this year (standard of 20% reduction is excluded.)  We reduce the amount of income percent by rate of decline of income amount of money and exempt sum of 60% of the amount of per capita rate or 40%
Income decrease  When income decreases by failure of unemployment or business remarkably  The amount of income percent is reduced by decrement of income amount of money
We set a limit to payment  When we are confined in prison by detective facilities, and there is period when payment is not received  We exempt share during period when payment is not received (the moon which is not received until ... last day for the first day)

 
3. Reduction of taxes of National Health Insurance charges accompanied with the foundation of medical system for elder senior citizens

 As old dependent reduction of taxes may be received when person (limited to 65-74 years old) who was the dependent joins National Health Insurance by people insured such as social insurance shifting to medical system for elder senior citizens, ask ward office Insurance and Pension Division National Health Insurance Section of ward to live. (when we receive old dependent reduction of taxes for the first time, application is necessary by all means. In addition, this old dependent reduction of taxes has been applied for before last year and sends notice to one corresponding to this reduction of taxes separately this year in about the end of June.)
 The amount of premium to be at half price, and to be equivalent to of the total amount of the amount of income percent that old dependent reduction of taxes was calculated for for old dependent concerned and the amount of per capita rate is system reduced taxes.

 
4. By employment change is relieved and is taken a step burden (for involuntary unemployment)

 
In company which lost its job by bankruptcy or discharge, as for "specific receipt qualified person" or the employment insurance which is "authorized reason retired employee", National Health Insurance charges may be reduced. Visit in ward office Insurance and Pension Division National Health Insurance Section of ward to live such as required documents. 

☆Please see this about summary of system.
Involuntary unemployment flyer PDF versionGuidance of mild burden by employment change, taking a step

 
5. Reduction of taxes for household where child is

 From 2014, we carry out reduction of taxes of National Health Insurance charges for household where person insured is younger than 19 years. In addition, presentation of application is not necessary for application of this reduction of taxes. We send "National Health Insurance charges reduction of taxes (approval decision) letter of advice" to applicable household.
 
[target person]
Family nurturer (limited to family nurturer taking out National Health Insurance) that person insured is in the same household as of levy date of under 19 years old (at last year December 31)
 
[reduction of taxes contents]
We subtract the next amount of money from standard gross income amount of money of family nurturer and calculate the amount of income percent of premium. In addition, amount of money to subtract assumes standard gross income amount of money of family nurturer limit.
  1. It is 330,000 yen per one person insured younger than 16 years
  2. It is 120,000 yen per one person insured younger than 19 years 16 years old or older


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Nonpayment of premium
 
1. Grant of short health insurance card (short-term proof) on expiration date

 
We issue short health insurance card (period one year) on expiration date to household which is behind with premium.

 
2. Sending such as reminder, notification book (seizure advance notice book)

 When premium includes each deadline of the delivery set in the regulations and cannot pay by deadline of the delivery, we send reminder by rule of the regulations. In addition, notification books (seizure advance notice book) may arrive.
※For one with nonpayment, we may have telephone confirming payment.

 
3. Outbreak of arrearages

 When you cannot pay by deadline for designation of reminder, arrearages are caused.
※Calculation of arrearages
 It is with amount of money that we hang rate established in the regulations in the days from the next day of deadline for designation of reminder to payment day and calculated.
 (2 of Yokohama-shi National Health Insurance regulations Article 20)

 
4. Disposition for failure to pay taxes (seizure of property)

 
When there is nonpayment of premium, we investigate property. (national tax collection method Article 141).
 When property which we can allot for premium is found as a result of investigation, as disposition for failure to pay taxes based on law, we may seize property such as deposits and savings, salary, life insurance without warning. (national tax collection method Article 47).

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