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日本寿险公司的医疗险种可以分为附加在主险上的一年期医疗特约和长期医疗主险,其保障内容广泛,可以将其分为以下四类。门诊类主要包括普通门诊险、长期门诊险等。日本各家寿险公司对门诊险的规定十分严格。如日生公司和东邦公司规定,由于意外伤害住院特约、住院医疗特约中包含的疾病而引起住院,出院后120日内又由于同一原因而去门诊看病时,可以给付门诊保险金;明治公司规定,长期门诊因疾病连续住院20天以上,出院后为治疗同一疾病每月看门诊一次以上并连续1年以上者,给付门诊保险金。
The Japanese life insurance company’s medical insurance can be divided into one year medical premium and long-term medical insurance plus the main insurance, covering a wide range of protection, which can be divided into the following four categories. Out-patient categories include general out-patient insurance, long-term out-patient insurance and more. Various life insurance companies in Japan on the outpatient insurance regulations are very strict. Such as Nisshin and Toho companies, due to accidental injury to hospital special, hospital specialties included in the disease caused by hospitalization, within 120 days after discharge from the same reason and go out-patient examination, you can pay out-patient insurance payments; Meiji company, Long-term outpatient hospital for more than 20 days due to continuous illness, after discharge for the treatment of the same disease once a month for more than one outpatient clinics for more than 1 year, pay outpatient insurance.