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Farsala on 26 August 2021
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Conina said:
Farsala said:

And again I have to emphasize, that I am required to pay a ton of money for this level of healthcare. I also think it is funny that we are comparing Tokyo to Alabama. Japan should never sink that low.

How much do people in Japan have to pay for their healthcare and how much percent of the medical costs is covered by that?

Here in Germany it is income based. You get 100% coverage (exceptions are very rare) and pay ~8% of their gross income, your employer pays another ~8% of your gross income. Your unemployed spouse and children are also 100% covered... if some of them work, they also pay ~8% of their gross income and their employer pays another ~8% of their gross income.

So if a single person or a family has a gross income of €30,000 (~3.9M yen) in total per year, you have to pay around €2,400 (~310,000 yen) per year for 50% coverage, your employers pay for the other 50% coverage.

If a single person or a family has a gross income of €40,000 (~5.1M yen) in total per year, you have to pay around €3,200 (~415,000 yen) per year for 50% coverage, your employers pay for the other 50% coverage.

If a single person or a family has a gross income of €50,000 (~6.5M yen) in total per year, you have to pay around €4,000 (~518,000 yen) per year for 50% coverage, your employers pay for the other 50% coverage.

If a single person has a gross income of €58,000 (~7.5M yen) or above that per year, you have to pay around €4,500 (~583,000 yen) per year for 50% coverage, your employer pay for the other 50% coverage. It's the upper limit for a single person... also for families, if the family members aren't earning their own income.

Single persons who are privately insured have to pay around €2000 - €5000 for 50% coverage (mostly depending on the age), your employers pay for the other 50% coverage. If you are your own boss, it is double of that for 100% coverage. Additional coverage for family members costs extra.

So if you are single person with a well paid job, private insurance is usually cheaper. If you have family and a minimum wage job, the statuary health insurance is the better deal.

At my income bracket I have to pay ~5% of gross per year. That will only cover 70% of costs.

So if a procedure done is 100,000 yen, then 30,000 yen is still out of pocket. For example, going to the dentist and getting an x ray is 5000 yen. Giving birth can be between 400,000 and 700,000 yen. Etc.