Microsoft Health Insurance Association

Microsoft Health Insurance Association

  • Japanese
  • English
Text Size
  • Small
  • Medium
  • Large

If you become sick or are injured due to the actions of another party

You can undergo treatment under the health insurance system for sickness or injury due to the actions of another party, as in the case of a traffic accident. However, in such cases submit the Notification of Injury or Sickness due to a Third-party Act as soon as possible.

Be sure to notify the Health Insurance Society

You can undergo treatment under the health insurance system for sickness or injury due to the actions of another party. However, in such cases the Health Insurance Society merely pays up front on a temporary basis, the medical care costs that the party responsible for the accident must pay. The Society will bill that party for these costs later.
For this reason, when using health insurance for treatment in such cases, notify the Health Insurance Society and submit the Notification of Injury or Sickness due to a Third-party Act and other necessary documents as soon as possible.

If you have been in a traffic accident

  1. STEP1Remain calm
    In cases of shock, you may lose the ability to make calm judgments. React as calmly as possible.
  2. STEP2Check the identity of the party responsible
    Check matters such as the license plate no., driver's license, and vehicle inspection certificate.
  3. STEP3Notify the police
    Be sure to notify the police, no matter how small the accident.
  4. STEP4Be cautious about reaching a settlement
    If you waive some of your rights to claim compensation for damages by reaching a settlement with the party responsible, you may be unable to receive the corresponding health insurance benefits. To avoid cases such as inability to use health insurance when you need medical care later for residual effects or other complications, consult with the Health Insurance Society before reaching any settlement.

Injury due to the actions of another party

While most cases of injury due to the actions of another party involve auto accidents, the following cases also are due to the actions of another party:

  • Injury due to defective equipment at a school, supermarket, or other facility
  • Injury caused by another's dog or other type of pet
  • Injury due to inappropriate force or an act of violence
  • Food poisoning at a restaurant or other establishment

If the cause is a workplace accident

If you become sick or are injured due to the actions of another party in the workplace or while commuting, Worker's Accident Compensation Insurance applies instead of health insurance. Check with the person responsible at your establishment for more information.

  • *When even illnesses and injuries on-the-job are not targeted for benefits of the Worker's Accident Compensation Insurance, benefits of the health insurance are provided except the duties as the officer of the corporation (except for a corporation less than five employees).

You may receive inquiries from the Health Insurance Society (through Taisho Audit Inc., a subcontractor).

The Association subcontracts operations related to third-party actions to Taisho Audit Inc.
Taisho Audit Inc. may contact you in writing or by telephone to inquire about information concerning third-party actions or other matters. We ask for you cooperation with such inquiries.
All personal information is protected in accordance with the Association's Privacy Policy.

PAGE TOP