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and do not necessarily reflect the views or policies of the Asian Development Bank
(ADB), or its Board of Governors, or the governments they represent. ADB does not
guarantee the accuracy of the data included in this paper and accepts no responsibility
for any consequence of their use. Terminology used may not necessarily be consistent
with ADB official terms.
100%
80%
CHI
None
60%
40%
GMHI
20%
SMHI
MAA
0%
'27 '31 '39 '40 '43 '49 '53 '58 '61 '70 '80 '90
Year
[Source: Yasuo Takagi (1994) Kokuminkenkohoken to chiiki fukushi: choki-nyuin no zehi to kokuho-anteika taisaku no
jissai to mondaiten Quarterly of Social Security Research 30(3):239
5
Note: Figures for periods during World War II are estimates.
(2) Services
1927: EHI Fee
schedule
1943: EHI Fee
schedule unified
1952: CHI
subsidy fixed at
20% of costs
1959: CHI
adopts EHI fee
schedule All
have the same
benefits
(3) Costs
1927: No copay for
employees
1930s: 50% for rest
1960s: Gradual
decreases in copay
for non-employees
1973: No copay for
70+; catastrophic
coverage for all
2003: 30% for all
except 70+ & <7
6
Tax
Premiums
Employer
Employee
75 and over
Others
10%
1st ~3rd tier
programs
40%
50%
Government
1st Tier
Large companies: 1348
Public sector: 78
Seamen: 1
2nd Tier
National Health
Insurance
Association: 1
3rd Tier
Citizens Health Insurance: 1742
CHI Unions: 166
4th Tier
47 Prefectures
7
As of April 2010
Negative lessons
Over 3000 social health insurance plans
Plans should have been unified when economy was good
But plans with low premium rates have opposed
unification
9
Challenges
Denominator remains the same
Stagnant economy: No GDP growth for 20 years