Business overview

Major health promotion services for the year 2024

• Various health check ups and health guidance
• Health consultation over the phone / Web consultation (Lifestyle Improvement Concierge)
• Medical care cost information (website)
• Health promotion events (&well, Health Festa, Lifestyle Improvement Campaign)
• Healthy Family club
• Health checkup results site
• Dental seminars
• Long-term care and health seminar

Health Insurance Association finances

The Health Insurance Association's fiscal year runs from April 1 through March 31 the following year. Its accounts are based on annual expenditures and revenues collected in the same fiscal year, a practice known as single-year accounting.

The largest category of expenditures is insurance benefits, consisting of medical care costs incurred by members when they visit a hospital and various other allowances. Other expenditures include payments and contributions to support medical care for the elderly, health activity expenses, and administrative costs. To help keep these costs down, we ask for the continuing cooperation of our members on the following (and other) points.

If a balance remains following settlement of accounts, the Society is required to add a certain amount to its statutory reserve fund, in preparation for future benefits expenditures. Any remainder may be retained as other reserves or carried over to the following fiscal year.

In the environment surrounding health insurance societies, by aging of the insured person, medical progress and the increase in medical care costs (insurance benefit costs) with the introduction of the new technology, it is expected that it becomes severer with a financial aspect in the years ahead.
AIG Health Insurance Association restrain increasing medical care costs and contribution costs to utilize an important insurance premium taking from the insured persons, and effectively carry out health activities to prevent illness.

Please help us reduce medical care costs

Insurance benefits (70% of medical care costs usually borne by a health insurance association) are estimated to account for over half of the insurance premium income.

You and your family’s health should come first despite your busy schedule. Try to manage your health daily and prevent illness. Please try to visit a doctor and seek early treatment if you unfortunately become ill or injured.

• Find a family doctor
  Whenever possible, we recommend first visiting your family doctor (primary care doctor). Such a doctor has a good understanding of your past medical history as well as your family’s medical history so as not to miss any changes in your health condition.
• See a doctor during office hours
  Surcharge will be added if you go see a doctor during late hours after 18:00 on weekdays, or on weekends and holidays. Try to avoid the above hours unless it is an emergency. The same goes for dispensing pharmacy services.
• Promoting generic drugs
  Switching to generic drugs with the same effect is recommended. They are said to cost 30 % to 80 % less than new drugs, lowering co-payments. Please ask at your pharmacy for more information.
• Make sure to receive complete health check-up, health examinations, and health guidance
  Please make sure to receive annual health examinations through Active Care, for the early detection and treatment of diseases. Take advantage of health guidance and regain your fitness to prevent lifestyle-related conditions if you are diagnosed to have so-called metabolic syndrome.
  It will not do to avoid these check-ups, making an excuse that you are healthy. This is not only about you and your family but can also cause the increased insurance premium rate for all the Society’s members.
  Health insurance societies are required by law to provide specified health diagnosis for insured persons (themselves) or dependents (family members) over the age of 40 and to give health guidance to persons in need. These services are intended to reduce the number of persons with metabolic syndrome.
  Based on the rates of insured persons receiving health check-ups or health guidance as well as the improvement rate in the prevention of metabolic syndrome in last year, contribution for the elderly (75 and over) as a result will be revised up or down within the range of 10 % as the rule imposes.
  

Please help us reduce our financial contributions

Health insurance societies were once responsible only for their own costs. Now, they must support the National Health Insurance and other plans to which many people over 65 belong.

Current trends in the fast-changing population pyramid indicate that the percentage of people aged 65 or older is approaching 29% of the overall population. The baby boom generation will soon join the ranks of the advanced elderly (75 and older).

Medical care costs in Japan have ballooned about 70 times in the last 50 years. It is expected to increase by as much as 1 trillion yen per year.

So the AIG Health Insurance Association with many insured persons under the age of 65 will have to provide increasingly more contribution to support National Health Insurance and other plans with many insured persons over 65.

• Our contribution will be cut by 12 times the amount of reduction we make by holding down medical care costs for our elderly members aged 65 to 74. We ask for your help in reducing these costs.
• We provide home-visiting health consultation for the elderly by health nurses. Please contact the health insurance association if you are interested.

Health insurance operations also offer several programs this year as well. So we ask for your active participation.