Investor Presentaiton
Aging Society Stimulate Insurance Coverage
Dai-ichi Life
Holdings
People prepare for increased medical costs due to increase in life expectancy
■ Japan adopted universal health insurance system in 1961
✓ Actual medical cost is covered with co-payment
✓ Free access to any medical institutions
✓ Aging population leading to higher medical expenditure, deteriorating the
budget of health insurance system
Private health insurance services basically provide fixed benefit
✓ Supplement universal health insurance system (co-payment, private bedding,
transportation and etc.)
Copayment is on the rise under the national healthcare system
Self
Dependent
Elderly
Year
Change in copayment factor
70-74
75 years old
(employed)
Inpatient Outpatient
years old
and over
1961
Universal health insurance system
none
20%
30%
none
none
1984
10%
20%
30%
none
none
1997
20%
20%
30%
none
none
2003
30%
30%
30%
none
none
2008
Insurance system for elderly
(1) Applied to patients as they become 70 years old after April 2014
30%
30%
30%
20% (1)
10%
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