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Showing posts with label Insurance. Show all posts
Showing posts with label Insurance. Show all posts

Friday

Get ready folks, because come 2015, you will be the proud owner of brand spanking new My Number (マイナンバー) issued by the friendly folks at the Japanese Government. On May 24th, the three major parties in the National Diet finally got off their duffs and managed to put together a brand new law that gives everyone residing in Japan (foreigners included) a single unified identification number akin to a US Social Security number.

The so-called mai nannbaa-ho (マイナンバー法), or "My Number Act" (officially called the shakai hosho zei bango-ho 社会保障・税番号法 or "Social Benefits and Tax Number Act") will have far reaching effects on just about everyone who uses a government service (i.e. the whole country). Lets take a peek at what the law entails.



Monday

At the end of last year, Dan told us about Kenmon, or checkpoints set up on major thoroughfares in Japan to help catch drunk drivers. He mentioned that drunk driving is a serious offence in Japan, and it is. Here's how serious:

Legally there are two classifications for driving under the influence of alcohol in Japan: 酒気帯び運転 (shuki obi unten) and the more serious 酒酔い運転 (sake yoi unten).



Japan is big in the world of social networking. I don't mean Facebook or LINE or whatever else is popular for showing your friends how many friends you have. I mean, in order to get things done in Japan (just like elsewhere), it helps a lot to "know a guy" or to have some connection.

Examples? In all the job interviews I've passed here, the interviewers at some point dropped the phrase, 何か縁があるようですね。 "Oh, you went to that university? We're invested in a research center there." "Oh, you play concert piano? We're affiliated with a conservatory." "Oh, you taught at that school? My daughter's a graduate." Who your family is, where you went to school, and who you work for are all a big deal, and being able to say, "I was referred to you by such-and-such," can open doors that may have otherwise stuck fast. (Interestingly, this is the same country in which references are often unasked for in job applications.)



But perhaps the biggest examples of this reference culture in Japan is the guarantor.



Wednesday

This post continues my chronicle of moving to a new apartment in Japan. My new apartment contract is about to start, and I'm running out of time to cancel my old contracts. (That's a plural because my parking space and apartment were contracted separately and spaced a few hundred meters apart from each other.) Last post I cancelled my parking space, and this time I'll get on that old apartment contract.

Week 3, Friday:
When I found and contracted my old apartment, I was using a rental agency. Since these agencies don't usually own the properties that they are showing, they act as intermediaries and are listed as such on the rental contract. In Japanese they're referred to as the 仲介会社 (chuukai gaisha). They introduced you to the apartment, and they may have handled all the documents and details when you signed for it, but the contract is ultimately between you and the owner.

Sometimes the property owner requests that the 仲介会社 handles all the details in termination of a contract, too. But other owners may prefer to handle terminations themselves. That was the case for me.



Monday

Shaken (車検), the mandatory vehicle safety and emissions test in Japan, was recently addressed in a series of posts on AccessJ comprising Dom's excellent self-shaken guide. To keep your car on the road in Japan (as a non-commercial driver, that is), you'll have to have a shaken inspection done on it every 2 years, your own car's expiration date indicated by a square sticker top-and-center on the front windshield.

When a car's shaken expires, it is not legal to drive on public roads in Japan. (So... pretty much everywhere.)


...But slip-ups happen, right? What if you forgot about your shaken until it was too late? Or what about cars in used-car lots? Surely the dealers aren't keeping all their cars up to date until they're sold?* A car is illegal to drive without shaken, but it's not illegal to own such a car, so there must be some way to get the shaken renewed, right??

Well, fear not! There is a way to restore road-worthiness to that 1992 Suzuki Alto whose shaken you forgot about while you were vacationing the summer away in Thailand. And we'll tell you how:



Japanese driver's licenses work on a point system: Do something wrong, get some points. Get enough points, and your license is suspended.

Different citations carry different numbers of points, but overall Japan's point system is strict: Just a few minor traffic violations will have your license suspended, and frequent repetition will quickly get your license revoked. Let's take a look at the actual numbers:



Maybe you're already aware of the major regulatory distinctions of cars in Japan: bigger cars with bigger engines get white license plates, smaller cars with smaller engines get yellow "kei" plates, and scooters and the like get even littler plates. But there's another, less common classification... or perhaps "loophole" is a more fitting term. It's called a ミニカー (minicar).



Friday

Now for the final installment of our health insurance series, where we will address the monetary and moral dilemma of whether or not you really need insurance.



Today's topic is optional health insurance, which covers hospital fees and doctor fees that are not covered by your regular insurance.



Welcome to part 3 of AJ's Japanese health insurance extravaganza! Today we will be covering the second part of the Japanese public health system, the Employee Health Insurance (EHI) scheme.




Welcome to the second part of our (weekly) comprehensive health insurance guide. 

In this section, we will be looking at the fundamentals of the National Health Insurance (kokumin kenko hoken 国民健康保険 or simply "NHI"); specifically eligibility, costs and benefits.



Welcome back to part 2 of AccessJ's Japanese health insurance super guide. In this section, we will continue discussing the fundamentals of the insurance system including how to pay, co-payments, and third party damages. 


Read on...



At first glance, the Japanese health insurance system my seem more than a little opaque; and employers are often unhelpful when it comes to signing up (English conversation schools and dispatch firms being the biggest culprits). 


But fear not, we at AccessJ have your back with our newest guide.