In order to pay for medical expenses when the insured person becomes ill or injured, we will ask you to pay a certain percentage of the total medical expenses as insurance premiums.
Together with public funds (contributions and subsidies from the national, metropolitan, and municipal governments) and support funds from the working generation, insurance premiums are a valuable resource for the operation of the medical care system for the latter-stage elderly.
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About insurance premium rate of 2021
The insurance premium rate, which is the basis for calculating insurance premiums, is reviewed and determined every two years by the Tokyo Metropolitan Association for Medical Care for the Advanced Elderly.
The insurance premium rate will be reviewed in 2022 and will be as follows.
- The per capita rate is 46,400 yen. The per capita amount is the amount that each insured person pays equally. In addition, the amount of per capita rate of Reiwa 2.3 was 44,100 yen.
- The income percent rate is 9.49%. Income percent rate is ratio to use to calculate the amount of income percent having you bear according to income of the insured person in the previous year. In addition, the income percent rate in 2020 and 2021 was 8.72%.
- Insurance premium rates are uniform throughout Tokyo.
2020 insurance premium calculation method
Insurance premiums are charged to each insured person . The annual premium amount is the total amount of the per capita amount and the income-based amount.
For those who turn 75 in the middle of the fiscal year, premiums are calculated on a monthly basis from that month.
The calculation method for insurance premiums in 2022 is as follows.
Per capita amount (46,400 yen per insured person) + income-based amount (income amount for assessment × income-based rate of 9.49%) = annual insurance premium amount (rounded down to the nearest 100 yen, limit of 660,000 yen)
Note 1: The amount of income that is the basis of the assessment is the basic deduction amount specified by the local tax law from the total of the previous year's total income amount, forest income amount, and stock/long-term (short-term) transfer income amount (total income amount is 24 million 430,000 yen if it is less than yen) (however, the carry-over deduction for miscellaneous losses is not deducted).
Reduction of insurance premiums
Income declaration may be required for reduction of insurance premiums.
For those who have no income and have not declared their income, we send a "Simplified Declaration Form" (an income declaration form exclusively for calculating medical insurance premiums for the latter-stage elderly) around June every year.
We have sent it separately to those who are eligible, but you can also download the "simple declaration form" from the following.
We will let you know if you are eligible and, if so, what documents you will need.
Simple report (2021) (Excel: 20KB)
Simple report (2021) (PDF: 5KB)
Simple report (2022) (Excel: 20KB)
Simple report (2021) (PDF: 5KB)
Reduction of per capita amount
The amount of per capita rate will be reduced based on the "total amount of total income" of all insured persons of the medical care system for the elderly in the same household and the head of the household . We perform reduction judgment of the amount of per capita rate by household situation on April 1 (person targeted for system newly at the time of qualification acquisition) of the year concerned.
In addition, those who are subject to the main 70% reduction have been further reduced (8.50%, 90%) so far, but from the first year of Reiwa, we are reviewing them in stages.
About reduction of the amount of per capita rate of 2021, it is street of table 1.
Income requirements of the eligible person (total amount of reduced income of the householder and all insured persons of the household) | Reduction ratio of per capita rate |
---|---|
430,000 yen + (Total number of pensioners or salary earners - 1) x 100,000 yen or less | 70% |
430,000 yen + (total number of pensioners or salary earners - 1) x 100,000 yen + 285,000 yen x (number of insured persons) or less | 50% |
430,000 yen + (total number of pensioners or salary earners - 1) x 100,000 yen + 520,000 yen x (number of insured persons) or less | 20% |
Note 1: Public pension income for those aged 65 or older (as of January 1 of the year) is determined by subtracting 150,000 yen (special deduction for the elderly) from that income. However, this 150,000 yen (special deduction for the elderly) is not applied in the calculation of the income percent amount.
Note 2: Even if the head of the household is not an insured person, the income of the head of the household is eligible for reduction.
Reduction of the amount of income percent
Based on the insured person's "income amount that is the basis of the imposition" , the amount of income percent will be reduced.
Please see Table 2 for the reduction of the income-based amount.
Income amount on which the levy is based | Reduction rate of the amount of income percent | |
---|---|---|
1 | 150,000 yen or less | 50% |
2 | 200,000 yen or less | 2.5% |
Note 1: The amount of income that is the basis of the assessment is the basic deduction amount specified by the local tax law from the total of the previous year's total income amount, forest income amount, and stock/long-term (short-term) transfer income amount (total income amount is 24 million 430,000 yen if it is less than yen) (however, the carry-over deduction for miscellaneous losses is not deducted).
Note 2: Table 2 is a mitigation measure unique to the Tokyo Metropolitan Association for Medical Care for the Advanced Elderly.
Reduction for those who were dependents
If you were a dependent of your company's health insurance (excluding National Health Insurance and National Health Insurance Society) until the day before you joined the Medical Care System for the Advanced Elderly, the per capita amount will be reduced as shown in Table 3. In addition, the amount of income percent is not levied.
Reduction rate | ||
---|---|---|
Until the month in which two years have passed since joining | 2 years after joining | |
per capita amount | 50% reduction | no mitigation |
amount of income | no burden |
Note 1: If you can receive the reduction of the per capita rate in Table 1, the one with the higher reduction ratio will be given priority. In addition, even after the reduction period for former dependents ends, if you fall under Table 1, you can continue to receive the reduction of the per capita amount due to low income.
Reduction of insurance premiums
Insurance premiums may be reduced or exempted in the event of major damage due to a disaster, etc., or if it is difficult to pay insurance premiums due to special circumstances such as suspension of business. Please consult with the late-stage elderly insurance premium section as soon as possible.
You can also download the application form below.
We will guide you about the necessary documents, so please consult with the following contact in advance before submitting.
Reduction of taxes application (Word: 14KB)
Reduction of taxes application (PDF: 75KB)
How to pay insurance premiums
There are two ways to pay your insurance premiums: withdrawing from your public pension (special collection) and paying by payment slip or bank transfer (ordinary collection).
Withdrawal from public pension (special collection)
As a general rule, insurance premiums are deducted from pensions with long-term care insurance premiums deducted six times a year when pension payments are received. However, the following people are not subject to special collection and will be paid by ordinary collection.
- Those who receive less than 180,000 yen a year from a pension with long-term care insurance premiums deducted
- Persons whose combined amount of long-term care insurance premiums and medical insurance premiums for the latter-stage elderly exceeds one-half of one-time pension benefits for which long-term care insurance premiums are deducted.
- Those who have newly become eligible for the medical care system for the elderly after April (only for a certain period)
- Those who moved in from another ward or municipality in the middle of the fiscal year (only for a certain period of time)
If you are currently paying medical insurance premiums for the elderly aged 75 or over from your bank account and wish to change to special collection, please submit the following application form.
*It will take some time for the special collection to start. Until then, payments will continue to be made monthly from your registered account.
Payment method choice application (from normal collection special collection) (PDF: 136KB)
Please refer to Table 4 for premium payments for those who withdraw from the public pension (special collection) throughout the year.
Annual insurance premium (determined in July based on the previous year's income) | |||||
---|---|---|---|---|---|
April | June | August | October | December | February |
Temporary collection insurance premium | Annual Premium - Preliminary Collection Premium | ||||
The same amount* of premiums as in February of the previous fiscal year will be withdrawn from your pension in three installments: April, June, and August. | The difference between the annual premium and the provisionally collected premium (actually collected premium) will be withdrawn from your pension in three installments: October, December, and February of the following year. | ||||
Note 1: If there is a large difference between the premium collected in the previous year and the actual premium collected, the premium collected in June and August will be adjusted. Therefore, it may not be the same amount in June and August.
Payment by payment slip or bank transfer (ordinary collection)
If you are not eligible for special collection, please pay your insurance premiums using a payment slip or bank transfer.
See Table 5 for premium payments for those who pay by payment slip or bank transfer (ordinary collection) throughout the year.
Annual insurance premium (determined in July based on the previous year's income) | |||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|
April | in May | June | July | August | September | October | November | December | January | February | March |
no payment | Annual premium | ||||||||||
no payment | Annual insurance premiums are paid in 9 installments from July to March of the following year. |
Payment by payment slip
Please pay at the following window by the deadline for payment listed on the payment notice. The deadline for payment is the last day of every month. However, if the end of the month falls on a bank holiday, the due date will be the next business day.
- Banks, credit unions, credit unions, agricultural cooperatives
- Japan Post Bank and post offices located in Tokyo, Yamanashi and Kanto prefectures
- Convenience stores, etc. listed on the back of the payment slip (Limited to the payment slip with a barcode printed on it. Payment cannot be made with a payment slip that is more than one year old.)
- National Health Insurance and Pension Division medical care system counter for the latter-stage elderly ( ward office main building 2nd floor), Kokuho Shakujii section ( Shakujii government building 2nd floor), each ward office (excluding Nerima and Shakujii, 8:30 a.m. to 3:00 p.m. from Monday to Friday) 5:00 (except public holidays, December 29th to January 3rd of the following year)
Payment by account transfer
The transfer date is the last day of every month. However, if the end of the month falls on a bank holiday, the transfer date will be the next business day.
In the past, Nerima Ward's insurance premiums for the latter-stage elderly were paid by direct debit, and currently those who wish to make a special collection will need to make a separate application if they wish to switch to direct debit.
Please download the application form below and mail it to us. (The application form can also be sent from the person in charge.)
If you are newly registering an account, please contact the latter-stage elderly insurance fee section.
Payment method choice application (from special collection normal collection) (Word: 32KB)
Payment method choice application (from special collection normal collection) (PDF: 142KB)
About change of payment method of premium
If you choose to have your insurance premiums withdrawn from your public pension (special collection) or pay with a payment slip, you can change your method of paying your insurance premiums to an account transfer. Regarding the account, not only the account of the insured person, but also the account of the householder, spouse, etc. can be specified.
In addition, account of national health insurance charges is not taken over. A new account transfer procedure is required. For procedures to change to bank transfer, please contact the Senior Citizen Insurance Premium Section.
About deduction for social insurance premiums
The premiums you have paid will be eligible for social insurance premium deductions at the time of the year-end tax adjustment, income tax and special income tax for reconstruction.
If you choose to pay your insurance premiums by direct withdrawal from your pension (special collection), the insured person will be eligible for social insurance premium deductions. If your spouse or other relatives who share your livelihood pay their insurance premiums by bank transfer, their social insurance premiums will be deducted.
For details, please contact the tax office that has jurisdiction over your address.
If you need to confirm the insurance premium payment amount, please contact the latter-stage elderly insurance fee section. (We will issue and send it free of charge.)
About the certificate of paid amount
This is an application form for a certificate of paid amount that certifies the amount of insurance premiums and paid amount for each year. You may need it when applying for a loan from a financial institution. (300 yen per copy)
You can also download the application form below.
Please be careful not to make a mistake, as the usage and fees are different from the insurance premium payment amount statement for deducting social insurance premiums. (If you have any questions, please contact the latter-stage elderly insurance premiums section.)
Payment certificate (Excel: 13KB)
Payment certificate (PDF: 58KB)
Please pay within the deadline
If you are behind in paying your insurance premiums, we will send you a reminder. In addition, we may notify you in writing or by telephone. If you continue to fail to pay, you may be issued an insurance card with a short validity period (short-term insurance card), or your property may be seized. If you find it difficult to pay premiums due to special circumstances, please contact the latter-stage elderly insurance fee section as soon as possible.
Refund of insurance premiums
In principle, premiums that are overpaid due to premium reductions or double payments will be refunded.
However, if the premiums have not been paid after the due date, the overpaid premiums will be applied to the unpaid premiums for each term.
When refunding insurance premiums, we will send you a “Late-stage Elderly Medical Insurance Premium Refund Request Form and Account Transfer Request Form”.
Please fill out the refund request form and send it back to the Nerima Ward Office National Health Insurance and Pension Division National Health Insurance Premiums Section in the enclosed self-addressed envelope.
In addition, there may be cases where a refund addition fee will be added to the amount to be returned. The additional refund amount will be paid in addition to the refund amount.
For details, please refer to Refund of Insurance Premiums (National Health Insurance) .
* Note 1: It takes about 1 to 2 months to complete the transfer after you return the refund request form.
In addition, please confirm the transfer by entering the passbook at the financial institution.
* Note 2: Please note that refund claims will expire after two years and cannot be claimed.
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inquiry
Citizens Department, National Health Insurance and Pension Division
Phone: 03-5984-4588 (direct) Fax: 03-5984-1212
Send an email to this department

