JAPAN Existing Benefits Medical Insurance: Government Scheme vs. ABC Japan Health Insurance Coverage Government Employee’s Health Insurance Coverage ABC Japan Health Insurance Coverage (quasi- Governmental) Inpatient Provider Government Kanagawa-ken Denshi Denki Kiki Health insurance Association (contracted out of Government) Outpatient Government Kanagawa-ken Denshi Denki Kiki Health insurance Provider Association (contracted out of Government) Eligibility All full-time employees Same as Government Participation Employee Coverage – compulsory Same as Government Dependant Coverage – voluntary - Deductible/ Co- Employees and dependants pay 30% of cost of all care Same as Government insurance (incl. Dental) and prescribed drugs -Reimbursement When the medical costs per month at a single hospital or clinic exceed the following ceilings, the excess is reimbursed to the patient. (Maximum of co-payment) • 72,300 yen + (medical costs – 241,000 yen) x 1% The co-payment is capped at 40,000 yen per month • If the averaged income over 560K yen per month: 139,800 yen + (medical costs – 466,000 yen) x 1% Note: -The above max co-payment is calculated per institution, inpatient & outpatient separately, dental and other categories separately. -Private and semi-private hospital room should not be included in the medical costs -Claims for dependents can be included Coverage outside Any medical cost incurred outside Japan (no geographical Same as Government Japan limit) is subject to reimbursement up to 70% of the cost considered equivalent to the cost under the Japanese Medicare System. ABC Japan Co. Ltd. Page B - 4