[If you don't know, it's a loss!?] Everyone has subscribed, but they don't know how Japanese insurance works
There must have been a lot of things that you seem to know but don't know??
If you do not know, you can not use it or you can not secure the correct security with private insurance, so let's keep it firmly.
"Title"
[Actually, such an excellent Japanese social security]
Table of Contents
01: Actually excellent Everyone has already subscribed insurance
02: What is Public Medical Insurance?
03: Benefit system of public medical insurance
04: Benefits you want to remember before joining private insurance
05: Differences in coverage by insurance
06: Pension is not just income in old age
07: Before considering private insurance
08: Summary
09: Next notice
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What creates the future is not "someone someday" but "myself now."
The accumulation of small choices gives shape to the security of the future.
👉@こう｜中立なお金の先生Follow us
Let's learn step by step and increase our "choices"!
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💡 [Do you have money anxiety?]
For example, the ideal future may not come if you leave the following anxieties and troubles or leave them as if they are okay.
- I do not know how to do household management
· I do not save money even though I do not have luxury
I want to reduce fixed costs.
I feel like I have too much insurance.
・ I want to start NISA and iDeCo, but investment is anxious
Concerned about funding for children's education
· Old age funds are not enough anxiety
· I do not know the budget and interest rate of my home purchase
If even one of these concerns applies, let's follow and change the future from "anxiety" to "fun"!
As an independent FP that does not sell financial products,
There is no solicitation, mediation, sales, etc. of specific financial institutions or financial products.
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This account does not recommend any specific investment or purchase, nor does it provide investment advice.
There is a risk of loss of principal in investment. Any content does not guarantee future investment results, and final investment decisions should be made at your own risk.
In addition, we make every effort to ensure the accuracy and up-to-date nature of the posted information, but if there is an error in the content, or for loss or damage caused based on the content, the information provider does not assume any responsibility.
Money literacy Studying money. Social Security The Public Insurance # comment _ challenge
「公的年金 保険」で調べる人って、たいてい“年金と保険の違いがごちゃごちゃしている”か、“民間保険に入る前に国の制度でどこまで守られるか”を知りたいんですよね。私もまさにそれで、まずは全体像を紙に書き出して整理しました。 まず言葉の整理から。公的保険は大きく分けて「医療（健康保険）」と「年金」に分かれます。医療は、会社員なら社会保険（健康保険＋厚生年金）、自営業や扶養を外れた人は国民健康保険＋国民年金が基本。ここが混ざると、保障の比較ができなくなります。 次に医療の“使える給付”を確認。私が一番大事だと思ったのは、画像にもあった「高額療養費制度」と「傷病手当金」です。高額療養費は、医療費が高くなっても自己負担に上限がある仕組み。入院や手術のとき、民間の医療保険より先に効いてくる土台です。さらに会社員の社会保険なら、働けない期間に給与の一部を補う傷病手当金があるのが強い（国保には原則ない点が落とし穴）。自分が社会保険なのか国保なのかで、必要な民間保障が変わります。 そして「公的年金＝老後」だけじゃないのが重要ポイント。万が一のときの遺族年金、障害を負ったときの障害年金も“保険”として機能します。私は家族構成と働き方（会社員/自営業）で受け取れる遺族年金の条件が変わると知って、まずねんきんネットで加入記録を確認しました。ここを見ずに生命保険を厚くしすぎると、固定費が重くなりがちです。 民間保険を考える前に、私がやったチェック手順は3つです。①自分の加入（社会保険/国保、厚生年金/国民年金）を確認 ②高額療養費の上限目安と、傷病手当金・出産手当金など“使える給付”をリスト化 ③貯蓄（生活防衛費）とライフプランを照らして、不足分だけを民間保険で埋める。 公的年金と公的保険は、知っているだけで「入りすぎ」を防げる分野でした。まずは制度で守られる範囲を把握してから、必要な保障だけを選ぶのがいちばん納得感がありました。
