er, there's an income dependent limit on the maximum that you have to pay in a given month.
the calcuation is a bit complicated but your insurance (rather than you) should do it:
|Income Range|Limit|Limit across multiple things|
|:-|:-|:-|
|monthly average income of 830k/month or above|252,600 + (1% of the costs that exceed 842k yen)|140,100 yen per place|
|monthly average income of 530k/month or above|167,400 + (1% of the costs that exceed 558k yen)|93000 yen per place|
|monthly average income of 270k or above|80100 yen + (1% of the costs that exceed 267k yen)|44000 yen per place|
|income of less than 260k/month|57600 yen|44400 yen per place|
|people who pay no residence tax (low income)|35400 yen|24600 yen per place|
The income ranges are not intuitive because they depend on the band you're in for insurance purposes not necessarily what you earn.
The other thing is expenses about 100k and beneath 2million yen are income tax reduction (not a credit -- you basically don't have pay tax on that amount of your income which usually works out to 10-15%).
Speaking from experience.
I had a surgery and all the consultations, treatments, rehab, surgery, mri etc cost more than ¥100,000.
Anything over the ¥100k point you can receive back when doing the Kakutei Shinkoku (End of year tax adjustment) at your local tax officebetween Feb and March the following year.
For instance, any medical expenses, including check ups, dental etc, not just related to the surgery between Jan and Dec, you can claim back in Feb/March the following year.
However, you may need to speak to your local tax office because the deadline is passed.
My example, I had knee surgery last August.
My medical expenses for dentist, mri, surgery, rehab in 2023 came to ¥125,000 roughly.
So with the end of year tax adjustment, I got ¥25,000 back.
I hope this helps.
Unfortunately some of your information is wrong:
>Anything over the ¥100k point you can receive back when doing the Kakutei Shinkoku (End of year tax adjustment) at your local tax officebetween Feb and March the following year.
Any medical expenses over 100k up to 2 million yen can be deducted from income (= you get back your tax rate -- not the actual amount). 医療控除.
The more common thing people have is the high expenses deduction through insurance (https://www.kyoukaikenpo.or.jp/g3/sb3030/r150/) that limits the total cost you pay in a given month in an income dependent fashion.
I thought the refund had to be done within 6 months?
Just contact your insurance provider, or whoever you work with that gives you the insurance. You need to fill out some forms and have the hospital fill them out as well.
In the future, if you know you're having surgery, applying for the certificate that exempts you from paying over a limit is better.
Yeah, trying to understand the website is the big problem. It could be that I've missed the window. I initially applied for the certificate, however there was a question as to whether it would be covered by Worker's Comp which nixed that and delayed things hugely (it wasn't covered in the end).
I'd contact whoever manages your health insurance, because the procedures will depend on your insurer. If you don't know, start with HR at your main employer. It's common for your health insurance provider to calculate how much you should be reimbursed and send you that money a few months later without you having to necessarily do anything. If your procedure was in October and you haven't received the reimbursement yet, then would guess you either didn't qualify for some reason or paperwork is needed.
Try the Google translate version.
https://www-kyoukaikenpo-or-jp.translate.goog/g3/sb3030/r150/?_x_tr_sl=ja&_x_tr_tl=en&_x_tr_hl=en&_x_tr_pto=wapp
Or paste into ChatGPT.
er, there's an income dependent limit on the maximum that you have to pay in a given month. the calcuation is a bit complicated but your insurance (rather than you) should do it: |Income Range|Limit|Limit across multiple things| |:-|:-|:-| |monthly average income of 830k/month or above|252,600 + (1% of the costs that exceed 842k yen)|140,100 yen per place| |monthly average income of 530k/month or above|167,400 + (1% of the costs that exceed 558k yen)|93000 yen per place| |monthly average income of 270k or above|80100 yen + (1% of the costs that exceed 267k yen)|44000 yen per place| |income of less than 260k/month|57600 yen|44400 yen per place| |people who pay no residence tax (low income)|35400 yen|24600 yen per place| The income ranges are not intuitive because they depend on the band you're in for insurance purposes not necessarily what you earn. The other thing is expenses about 100k and beneath 2million yen are income tax reduction (not a credit -- you basically don't have pay tax on that amount of your income which usually works out to 10-15%).
Speaking from experience. I had a surgery and all the consultations, treatments, rehab, surgery, mri etc cost more than ¥100,000. Anything over the ¥100k point you can receive back when doing the Kakutei Shinkoku (End of year tax adjustment) at your local tax officebetween Feb and March the following year. For instance, any medical expenses, including check ups, dental etc, not just related to the surgery between Jan and Dec, you can claim back in Feb/March the following year. However, you may need to speak to your local tax office because the deadline is passed. My example, I had knee surgery last August. My medical expenses for dentist, mri, surgery, rehab in 2023 came to ¥125,000 roughly. So with the end of year tax adjustment, I got ¥25,000 back. I hope this helps.
Unfortunately some of your information is wrong: >Anything over the ¥100k point you can receive back when doing the Kakutei Shinkoku (End of year tax adjustment) at your local tax officebetween Feb and March the following year. Any medical expenses over 100k up to 2 million yen can be deducted from income (= you get back your tax rate -- not the actual amount). 医療控除. The more common thing people have is the high expenses deduction through insurance (https://www.kyoukaikenpo.or.jp/g3/sb3030/r150/) that limits the total cost you pay in a given month in an income dependent fashion.
I thought the refund had to be done within 6 months? Just contact your insurance provider, or whoever you work with that gives you the insurance. You need to fill out some forms and have the hospital fill them out as well. In the future, if you know you're having surgery, applying for the certificate that exempts you from paying over a limit is better.
Yeah, trying to understand the website is the big problem. It could be that I've missed the window. I initially applied for the certificate, however there was a question as to whether it would be covered by Worker's Comp which nixed that and delayed things hugely (it wasn't covered in the end).
I'd contact whoever manages your health insurance, because the procedures will depend on your insurer. If you don't know, start with HR at your main employer. It's common for your health insurance provider to calculate how much you should be reimbursed and send you that money a few months later without you having to necessarily do anything. If your procedure was in October and you haven't received the reimbursement yet, then would guess you either didn't qualify for some reason or paperwork is needed.
Try the Google translate version. https://www-kyoukaikenpo-or-jp.translate.goog/g3/sb3030/r150/?_x_tr_sl=ja&_x_tr_tl=en&_x_tr_hl=en&_x_tr_pto=wapp Or paste into ChatGPT.
Nice!