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子供と一緒に一時帰国するときの「国民健康保険」はどうなる?住民票は?【海外在住】

WRITER
 
一時帰国の保険証

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この記事を書いている人 - WRITER -
ブラジル サンパウロ在住の二児の母です。 息子二人をトリリンガルに育てたい!  自分しか日本語を話さない環境で、日本語を習得させる難しさに直面中!
スポンサードリンク

 

海外在住者が、海外から一時帰国するときの「国民健康保険」はどうなるの?

風邪をひいたり、けがをした時、病院は全額負担??

 

大人だけでの帰国ならまだしも、小さな子供を連れての一時帰国や長期間の日本滞在の場合「なにかあったら困るなぁ。健康保険ってどうなるの?」と気になる方も多いのではないでしょうか?

 

そこで今回は一時帰国したときに「国民健康保険」に加入したい方に、手続きの方法、概算の保険料をご紹介します。

 

スポンサードリンク


国民健康保険に加入する手続き

 

 

海外在住者が一時帰国をする場合、通常は転入の手続き(転入届)をする必要はありません。

しかし、

国民健康保険等の行政サービスを受けたい場合、「転入届出」により住民票を作る必要があります。

 

ちなみに今回の一時帰国では、国民健康保険に入りたかったわけではないのですが、銀行にマイナンバー登録をするための「個人番号」がほしかったので、市役所で転入届を出すことで必然的に「国民健康保険」と「国民年金」に加入することになりました。

 

 

結果としては、小学生2人とともに転入したおかげで「児童手当」を受給できプラスに!

しかし、転入することで市役所で4課も回るはめに。。。

市民課 →国保年金課(保険) →子供家庭課 →国保年金課(年金)

暴れたい盛りの小学生の息子2人を連れての市役所での半日、ツライです。

 

一時帰国国民健康保険

 

市民課で「転入届」を提出する

 

まず国保に加入するには、区役所や市役所に「転入届」を出します。

入国してから14日以内に手続きしてください。

 

転入届に必要な書類は条件により異なります。

  • 「本籍地」が「転入する市」と同じ方
  • 「海外に行く前の住所が転入する市」と同じで、かつ「5年以内の出国の方」

 

上記の方が、国外から転入届をする場合、
転入する方、全員分のパスポート(今回の入国日の記載のあるもの)

認印(保険料を口座引き落としするなら、銀行印)

 

上記以外の方、例えば

東京に住んでいて、海外転出。一時帰国時は実家の大阪に転入したい。

こんな場合は、パスポート以外にも下記の書類が必要です。 同市役所の窓口でとれます

  • 転入する方全員の記載がある戸籍謄本
  • 国外転出の旨が記載された戸籍の附票

 

転入届の裏ワザ

国外へ転出する届出も、通常は同じ窓口で14日前から「事前」に提出することが出来ます。

つまり、

一時帰国期間が27日以内なら、前後14日間に重なる平日に「転入届」と「転出届」を同日に手続きするのが便利です。

市民課の窓口のおじさんには、ブツブツ言われましたが、

「事前に問い合わせして同日に出来る。と聞いてます!!」と言ったら、

後ろから違う方が出てきて、転入、転出届とも同じ日に手続きしてくれました。

せっかくの一時帰国、何度も市役所に行きたくありません。

 

では、国民健康保険税はいくらくらいなのでしょうか?

 

国民健康保険税

 

保険料は、年齢、転入先、人数、実家などの世帯に入るか?によって異なります(40歳以上64歳までの方は介護分の負担あり)

 

軽減の加味なしの保険税額の概算(2017年7月)

 

参考までに、今回の私のケースでは、新規で「自分と小学生の子供2人」の3人世帯

 

3人で加入の場合では・・・

39歳未満の場合、1か月あたり11,344円

40歳以上の場合、1か月あたり12,900円

 

あくまでも、今回の帰国ではマイナンバー制度の個人番号がほしかっただけなので、私一人だけ転入した金額も問い合わせてみました。

 

一人で39歳未満の場合は、1か月あたり6,700円。

一人で40歳以上の場合は、1か月あたり8,300円。

 

ただし前年の所得が0円の場合、最大で82%減額になるそうです。

そう考えると、そんなに高くもないですね。

しかし・・・

実は転入することで「年金の支払い義務」も生じてきます。

それは、後ほど。

 

 

国民健康保険税の支払い期間について

 

「転入届」を出すと、強制的に国民健康保険に加入になり、その月から国民健康保険税がかかります。

 

今回の私の場合、6/28~7/18まで日本に滞在

7月の途中で転出すると(脱退手続き必要)国保が喪失となるので、6月の1ヶ月分の保険税がかかるという事でした。

 

???

月の末日まで加入していると1ヶ月分の保険税がかかるということは、7月に帰国し、7月中に海外に転出すれば保険料かからないのでは?

 

窓口の人に疑問をそのまま投げかけてみた。

「7月に入ってから帰国していれば、保険料かからなかったんですか??」

 

なんだか返答を濁されてしまいましたが「保険料かかります!」とは言われませんでした!!!

 

保険税の納税通知書はいつ届く?

 

6月末に手続きすると8/1発送ですが、今回は7/5に手続きをしたので9/1発送ということでした。

「納税通知書」が届くまでには1か月くらいかかります。

支払方法は、金融機関での納付のほかにコンビニで納付とモバイルレジ(スマホからバーコードをカメラで読み取りモバイルバンキングやインターネットバンキングにより納付)

 

ちなみに、来年の3月分までまとめて通知が来るそうです。

 

今回は市民課で「転入・転出届」を出した事情を説明して、国保も加入と脱退の手続きをしました。

国外に転出するときには、必ず国民健康保険の脱退手続きも忘れずに。

 

このときに口座引き落としの手続きをするのであれば、銀印が必要になります。

 

保険証は、すぐに発行される?

 

国民健康保険の保険証について

転入時に国民健康保険の加入手続すると、1週間くらいで「住民票の住所」に「簡易書留」で届きます。

実際には「保険証」を翌日発送してくれたので、2日後には実家に届きました。

 

手続の際に申し出れば、「加入手続き済み証明」をくれるそうです。

保険証が手元に届くまで、その証明を持って医療機関にかかって、医療機関で保険証の情報について市役所に確認がとれた場合は、ほとんどの医療機関で3割にて受診できるそうです。

(保険証がないと自己負担で受診となる医療機関もあります。)

 

保険証が届くときに、転出の時に返送するための封筒が入っていたので出国する前に、その封筒に入れて返却します。

私は何気なしに保険証をそのまま返送してしまったのですが、悪用されないように、念のためハサミを入れるか何かして返送したほうがイイかもしれません。

 

転入と同時に義務が発生する国民年金は、どうなるのでしょうか?

 

国民年金保険料は?

スポンサードリンク

 

平成29年度の国民年金保険料は月額16.490円です。

年金についても、今回は転出届を同日に出しているということで、申請し免除していただきました。

ホッ。

 

まとめ

 

 

 

今までは帰国中に健康保険がなかったので

「スケートに行こう、アスレチックに行こう!」などと誘われても

「なるべくケガをしないような所がいい!」と避けていたのですが、安心してプールに行くことができました。

 

結果、日本滞在中に病院を使うこともなかったのですが、3週間となると過剰なまでに病気やケガも心配になってしまいます。

楽しい日本滞在にするために「保険」のことも事前にチェックしておきましょう。

 

海外在住者の日本の銀行口座はどうなる? 一時帰国中にマイナンバーを登録してみた!

この記事を書いている人 - WRITER -
ブラジル サンパウロ在住の二児の母です。 息子二人をトリリンガルに育てたい!  自分しか日本語を話さない環境で、日本語を習得させる難しさに直面中!

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