Freelance health insurance - In Kansai, there is also Kyoto Artists' National Health Insurance Association

 

One of the concerns of freelancers is insurance.

When I worked for a company, the insurance premiums were deducted from my salary, but as a freelancer, I have to pay the health insurance premiums myself.

And this one is quite expensive!

Freelance designers and individual game creators are equally concerned about the "insurance premiums are too high" problem.

One option to remedy this problem is to
If you are active in the Kansai region, I would like you to know thatKyoto Artists' National Health Insurance AssociationHere it is.

I would like to explain about this Kyoto Artists' National Health Insurance, which TOHA is also a member of, its recommendations and the process to enroll in the insurance program~.

We will also make a small comparison with the "National Health Insurance Association for the Arts and Letters," which is often recommended as an insurance policy for individual creators.

 

Kyoto Artists' National Health Insurance Association Recommendations!

Right off the bat, here's what Toha thinks of Kyoto Artists' National Health Insurance~.

I will speak in turn ^^^.

 

(1) Easy to join if you are a creator living in an approved area in Kansai

The Kyoto Artists' National Health Insurance Association is, as the name impliesHealth Insurance Association for "Private Artistic Employers Living in KyotoHere it is.

howeverOutside of Kyoto, you are eligible for membership if you live in the following licensed areas in the Kansai region.

	～ Kyoto Artists' National Health Insurance Society approved area
Kyoto (metropolitan area)	All areas including Kyoto City
Osaka (metropolitan area)	Takatsuki City, Ibaraki City, Hirakata City, Shimamoto Town, Osaka City, and Minoh City, Toyonaka City, Katano City, Ikeda City, Suita City
Nara prefecture (Kinki area)	Nara City, Ikoma City, Ikaruga Town, Ikoma County
Shiga prefecture (Kinki area)	Otsu City, Ritto City, Kusatsu City, Moriyama City, and Omihachiman City, Koka City (former Shigaraki Town)
Hyogo prefecture (Kinki area) (Hyougo)	Nishinomiya City, Amagasaki City, Kawanishi City, Kobe City, Itami City

I'm kind of glad that Nara is included in the list, since I'm a Nara person living in Kyoto.

 

In addition, theAnother condition of membership is "whether or not you are engaged in artistic work."There are
The following occupations are examples of those that fall under this category.

 

These are examples from the official website, but even positions not listed here may be approved or added if there is a new application for membership.

By the way, the Toha3DCG Artistwas easily OK as a type of graphic design system.

Note that exceptions are made for architectural design and industrial design-related positions, which are not eligible.

 

These two conditions, the(1) Reside in an approved area in Kansai　(2) Engaged in arts-related work　are eligible to join the Kyoto Artists' National Health Insurance Association.

There is a condition that you must be a member of an organization affiliated with the association, but if you are not a member of any organization, you can join the Kyoto Artists Association (admission fee: 500 yen), so it is a condition that may or may not be true.

 

 

(2) Lower premiums than the National Health Insurance of the municipalities

If the premiums weren't cheap, it wouldn't make sense to bother with them.

Premiums for Kyoto Artists' National Health Insurance can be estimated on the official website.Check out the premiums by estimating them on this page~.

 

For your reference, in the case of TOHA, the monthly premium is about 5,000 yen less than the municipal national health insurance premium.

Premiums are a bit lower than those of the National Health Insurance, but the insurance benefits are almost the same as those of the National Health Insurance.

 

In addition, subsidies are also available for physical examinations and flu shots as part of health promotion programs.

Also, if you join the Kyoto Artists' National Health Insurance Society, you will receive a bulletin once every three months, along with information on health checkups and so on. Also, near the end of the year, a calendar for the next fiscal year is sent to me, which is very useful.

 

(iii) The people in the office are very kind

Third recommendation - the people in the office are very friendly - very helpful.

Inquiries to the Kyoto Artists' National Health Insurance Association should be made by phone, as they do not have an e-mail address.

I would prefer to contact them by e-mail if at all possible, but what is not available is not an option.

Before I joined, I had the courage to call and inquire...the person in charge was very kind....

They were very thorough in telling me if 3DCG designers could join the program and all the necessary documents to join.

 

And to the Toha who didn't know any better and wanted to join right away.

I think it's a good idea to have them apply in August so they can join in October.

He even told me what a surprise it was.

After that, they called me to tell me that I had put the wrong stamp on my debit bank account, and they mailed me a form to correct the mistake...

I really appreciated your gentle support from start to finish, even though I had to go through a lot of trouble due to a mistake made by Tohas.

 

Therefore.The people at the Kyoto Artists' National Health Insurance Association office are very kind.

If you are considering joining the program in a positive manner, and if you have any questions, please contact us and we will be happy to answer them - I'm sure we'll be able to help you.

 

 

Which is better, the National Health Insurance Association for the Arts and Letters or the National Health Insurance Association for the Arts and Letters? A Comparison

Some of you may have heard of Bunbikokuho, or the Bunbikuho National Insurance Company.

 

Freelancers and individual creators often hear that it is beneficial for them to join this insurance plan instead of the municipal national health insurance plan, which is called the National Health Insurance Association for Arts and Letters, or Bunbi Koken Hoken Kyokai for short.

At first, I was wondering if it was a good deal to keep Bunbikoku, and I thought I would join.

However, this Bunmi National Insurance is not a good deal for everyone, and there are some caveats as follows.

 

The Bunmi National Health Insurance is unique in that its premiums are fixed and do not vary with income.

The premiums for municipal national health insurance and Kyoto Artists' National Health Insurance vary depending on the amount of income, so the higher the income, the higher the premiums.

On the other hand, with Bunmi National Health Insurance, premiums remain the same even if income increases, as the premiums are fixed. This is the reason why it is said to be a good value.

However, theEven if income is low, the premiums remain the same, which means that the opposite is true.

 

The answer to the question of whether Bunmi National Health Insurance is more affordable, or whether Municipal National Health Insurance or Kyoto Artists National Health Insurance is more affordable, depends entirely on the person.

I think you should properly estimate and think about what it would be like for you and what it would be like for your family - I think you should think about it.

 

In addition, to enter the Bunmi National InsuranceAny of the union's affiliatesHowever, there is a screening process, an annual membership fee, and other requirements to become a member of a member organization.

It's also a bit difficult to find out if there is an organization you can join in the first place...

Toha chose Kyoto Artists' National Insurance because it became too much of a hassle along the way, but I think there are actually a lot of freelance designers and individual creators who are in the Bunmi National Insurance program!

 

The table below summarizes the differences in enrollment conditions and premiums between the "Kyoto Artists' National Health Insurance Association" and the "Literary and Art National Health Insurance Association.

Please use this as a reference when considering the purchase of these insurance policies~.

	Kyoto Artists' National Health Insurance Association	National Health Insurance Association for Arts and Literature
subscription requirement	I work in the arts. interpoint (interword separation)Kansai Approved Areaswith an address in interpoint (interword separation)Affiliationsor is a member of the 　Join Kyoto Artists Association	Engaged in fine arts and writing activities Have a domicile in Japan interpoint (interword separation)unionized associationYou are a member of one of the following
insurance premium	Varies depending on the amount of income 　→Estimated by the official website	Fixed amount regardless of income 　→Check the amount of the current premium here.
Other Expenses	Subscription fee: 3,000 yen Admission fee for Kyoto Artists Association: 500 yen 　*If you are not a member of any organization	Membership fees and annual dues to union affiliates 　*Depends on the organization you belong to.

 

 

How to join the Kyoto Artists' National Health Insurance Association

From this point forward, I will explain what you should prepare and the process of joining the Kyoto Artists' National Health Insurance Plan for those who are thinking about joining the plan. I will try to explain what you should prepare and the process of enrolling in the insurance for those who are thinking of doing so.

You can call them and they will tell you exactly what to expect, but I think it's also a good idea to prepare yourself ahead of time.

Let's go!

 

 

That's all there is to it.

Please also check the official website for information on what is required for the subscription procedure and the procedure to follow.

 

 

Summary: Individual creators living in the Kansai region may want to consider this.

Read this article.Kyoto Artists' National Health Insurance AssociationThis is the first time some of you have heard of this.

Although this information is local to the Kansai region only, it should be good to know if you are an individual creator living in the Kansai region or thinking about working in the Kansai region in the future.

As for TOHA, I think the Kyoto Artists' National Insurance is quite a good insurance policy if you live in the Kansai area, so please just check out the recommendations ^^^.

 

 

Which is more economical, the Kyoto Artists' National Health Insurance or the rumored Bunmi National Health Insurance?

This really varies from person to person, so please do your own research and make your own decision!

Even if the insurance is a good deal now, it may not be a good deal in a few years as circumstances change.

When you become a sole proprietor, you have to be flexible!

 

By the way.

Do other prefectures have their own insurance associations like the Kyoto Artists' National Health Insurance? I was curious, so I looked into it, and found about four that might apply to the creator industry.

There wasn't much, but if you're interested in other health insurance associations, check them out ^^^.

 

*This is not the same as health insurance, but it is a different type of insurance.Recommended for freelancersfinanceThere is also a warranty service calledPlease read this article for my impressions of the actual use of the system.

 

Plus: Why do I have to pay premiums?

If I don't get National Health Insurance, don't I have to pay the whole premium?

Who has ever wondered what it's like?...toha there is.

 

But this cannot be done.

Why is it that Japan ismedical insurance for the whole nationThis is because the system is designed to be a - The system is designed to be a

Public medical insurance is one of the social insurance systems (medical insurance, pension insurance, workers' accident compensation insurance, unemployment insurance, and long-term care insurance) and is an insurance system that provides coverage in case of illness, injury, hospitalization, and other emergencies. In Japan, all citizens are required to join this public medical insurance system.Universal Health Insurance SystemIt is called

About the public medical insurance (universal health insurance) systemMie Medical Association

 

Those who work for a company are automatically covered by the company's social insurance, and the premiums are deducted from their wages. (Family members may also be covered by the company's social insurance.)

Those who are self-employed or sole proprietors must purchase their own alternative public medical insurance (e.g., municipal national health insurance or Bunmi National Health Insurance) because they do not have company insurance.

For example, when an individual goes to the hospital or dentist, as a rule, only 30% of the medical costs are paid by the individual if he or she presents his or her insurance card. The remaining 70% is paid from the insurance premiums paid by everyone else.

These were the benefits of the universal health care system.

 

So, you have to pay the premiums properly - and you have to pay the premiums properly.

However, if the high insurance premiums make life difficult, it's a complete disaster, so we should be smart about how we manage our premiums by using available exemptions and keeping premiums as low as possible...!