Summarized below is essential health insurance information for members of the FR Health Insurance Organization. See the FR Health Insurance Organization’s website for more information.

Overview of the Health Insurance Organization

●What is health insurance? Sickness, injury, childbirth, and death can impose significant economic burdens on our lives. To help individuals prepare for and cope with such events, health insurance systems allow the employer and individual employees to share the cost of insurance premiums so that employees can receive benefits when they need them.

＊ The FR Health Insurance Organization…The FR Health Insurance Organization manages health insurance for individuals working in the Fast Retailing Group. In general, it provides insurance benefits to reduce the burden of medical costs; temporary disability benefits when a member takes time off from work due to sickness or injury; and healthcare activities to help promote and maintain good health.

●The FR Health Insurance funding and costs

●Eligibility at the FR Health Insurance Organization. 　 ～ Insured persons ～Employees of the Fast Retailing Group who meet certain conditions can become insured persons under the FR Health Insurance Organization, with the right to receive insurance benefits and the obligation to pay insurance premiums. 　 Insured persons covered by National Health Insurance, dependents covered under the health insurance system to which a family member belongs, and voluntary continuous insured persons enrolled in other health insurance programs before joining the FR Health Insurance Organization must complete procedures to withdraw from such insurance programs.

＊ Funding ＊ Costs of activity management

• Premiums paid by the employer and insured persons (84 yen per 1000 yen of salary and bonuses)

• Insurance benefits (benefits for medical costs, childbirth, death, etc.) • Health activities expenses (e.g., subsidies for health checkups, health

consultation, WELBOX, etc.)• Payments to the national government (e.g., support payments to the

medical care system for the advanced elderly, aged 75 or older)

http://http://www.fr-kenpo.or.jp/eng/member/01_info/107.htmlHOME ＞ Introduction ＞ Table of Monthly insurance premiums

Guide to health insurance

http://http://www.fr-kenpo.or.jp/eng/index.html

Updated on March 1st ., 2013

Eligibility at the FR Health Insurance Organization 〜 Dependent persons 〜

● Eligibility at the FR Health Insurance Organization as dependent persons

Your family members can also enroll under FR insurance as dependents (dependent

family members) if they meet certain conditions and have been authorized as

dependents:

※ Since all persons aged 75 or older are covered under the medical care system for the advanced elderly, they are not eligible to be dependent family members.

http://www.fr-kenpo.or.jp/eng/member/02_life/202/20202.htmlHOME ＞ Subject search by life situation ＞ When you get married

＞ How to register a family member as a dependent (dependent certification)

(i) They must depend on the income of the insured person for their livelihood.(ii) Their annual income must be less than 1.3 million yen (or less than 1.8 million yen if

aged 60 or older or a person with a disability) and less than one-half the income of the insured person (if living apart from the insured person, the insured person must remit an amount on which the dependent family member can live).

(iii) They must be within the third degree of consanguinity (see chart below).

Great-grand parents

Great-grand parents

Grand parents

Grand parents

Parents

Uncles and aunts

Uncles and auntsParents Spouse

SpouseElder brothers

and sisters Younger brothers

and sisters

Insured person

Spouse

ChildrenNephews and nieces SpouseChildren SpouseNephews

and nieces

Grand children

Grand children Spouse

Great-grand children

Great-grand children Spouse

Younger brothers

and sisters

Elder brothers

and sisters

The number is degree of relationshipThose in must live together

③

②

① ①

②

③

①

②

②

③①

②

③

③

③

※ Be sure to check the FR Health Insurance Organization’s website for details of authorization criteria, conditions, and applications. You can also check on procedures and other topics.

Insurance benefits and procedures for filing claims

●Medical care benefits

Received when you present your health insurance card

【 Copayment rate 】

Preschool ─────────────── 20%

From elementary school to 69 years of age － 30%70-74 years of age ───────10%-30%

●List of insurance benefits

Injury and Sickness Allowance

If you are on leave from work due to sickness or injury and meet certain conditions

Two-thirds of your standard daily remuneration per day (for up to 18 months from the fourth day of leave)

Em

ployer (salary/social insurance)

High-cost medical care benefits

If your medical-cost copayment exceeds a certain amount

(Funds are automatically remitted three months later from seeing a doctor to the bank account into which your salary is paid)

Payment of amounts beyond the maximum 【 Maximum copayment amount (specified by law) 】〈 High-income earners 〉Monthly remuneration 530,000 yen or above 　 … 150,000yen+ （ Full medical costs−500,000yen ） ×1 ％〈 Standard income earners 〉　 Monthly remuneration less than 530,000yen　 … 80,100yen+ （ Full medical costs−267,000yen ） ×1 ％〈 Persons exempt from municipal taxes 〉　 … 35,400yen

Not necessary

☆Independent benefits of the

FR Health Insurance Organization

At the FR Health Insurance Organization, your final copayment amount will not exceed the amount shown at right

(Funds are automatically remitted three months later from seeing a doctor to the bank account into which your salary is paid)

　【 Final copayment amount 】　〈 High-income earners 〉

Monthly remuneration 530,000 yen or above 　 … 83,000yen+ （ Full medical costs−500,000yen ） ×1 ％　〈 Standard income earners 　〉 Monthly

remuneration less than 530,000 yen　 … 45,000yen+ （ Full medical costs−267,000yen ） ×1 ％Elderly〈 Income at or above a certain level 〉　 … 45,000yen+ （ Full medical costs−267,000yen ） ×1 ％〈 Standard …〉 45,000yen

Insurance benefits Description of

system Nature of benefits

Elig

ible

perso

ns

Wh

ere to

file claim

s

I

D

If you are unable to work due to sickness or injury

I

If you are sick or injured

※Health insurance card for the elderly issued

…Insured persons …Dependent personsDI

Employer(salary/social insurance) … Salary and social insurance team at the head office

Insurance benefits Description of

system Nature of benefits E

ligib

le p

erson

s

Wh

ere to

file claim

s

Maximum Co-payment Authorization

If you present a Maximum Co-payment Authorization, the amount you pay at the medical institution will not exceed the maximum specified by law.

If you received the Authorization in advance, the amount you pay at the medical institution (to a single institution per month) will not exceed the maximum copayment amount (specified by law).

The F

R H

ealth Insurance Organization

Home-visit nursing care expenses

When a person requiring continual medical care at home receives home-visit nursing care

70% of costs incurred

Inpatient meal expenses While hospitalized, you must pay 260 yen per meal (up to three meals per day).

The balance remaining after subtracting the figure at left from the inpatient meal expenses

Transportation expenses

When transportation is required for treatment but sickness or injury makes movement difficult

Full amount of costs incurred

※Only if authorized by a doctor due to difficulty in walking.

Overseas medical expenses

Costs incurred due to sickness or injury overseas

Pay the entire amount yourself and apply for reimbursement at a later date.

If you received medical care overseas, the health insurance system will pay benefits for care that would have been covered in Japan.Rather than the full amount paid, the amount of the reimbursement is calculated based on medical costs specified under Japan’s insurance system, based on the specifics of medical treatments and detailed receipts issued by the overseas hospital. Note that you will not necessarily be reimbursed 70% (or 80%) of the cost, as you would in Japan.

【 Applications required for reimbursement 】( )Application Form for Overseas Medical ⅰ care Expenses( )ⅱ Specifics of medical treatments( )Detailed receiptsⅲ※You are required to attach Japanese translations to document Nos. ii and iii.

I

D

If you are sick or injured

If you are sick or injured overseas

Insurance benefits Description of system Nature of benefits E

ligib

le p

erson

s

Wh

ere to

file claim

s

Maternity Allowance If you are on leave from work due to childbirth

Two-thirds of your standard daily remuneration per day

(For 42 days before the date of birth [98 days for a multiple birth] and 56 days after the date of birth)

Em

ployer (salary/social

insurance)

Childbirth and Childcare Lump-sum Grant

You are eligible to use the following systems after delivering:

Direct payment system The facility where the birth will take place applies to the Health Insurance organization for payment of the lump-sum grant on behalf of the insured person.

Proxy receipt system (in place at smaller facilities, including medical clinics and maternity clinics)The insured person applies to the Health Insurance organization in advance; the facility where the birth will take place is named as the proxy recipient.

Neither systemPay the full amount of childbirth costs at the medical facility and receive the lump-sum grant at a later date.

420,000 yen per child

※　 390,000 yen in the following cases: childbirth at a facility that is not a member of the Japan Obstetric Compensation System for Cerebral Palsy; childbirth after less than 22 weeks of pregnancy; childbirth overseas

※In cases in which the childbirth cost is less than 420,000 yen, you are required to apply for reimbursement.

The F

R H

ealth Insurance Organization

Funeral expenses

※ The amount of benefits to which are added the benefits provided by FR Health Insurance independently (additional benefits)

If Insured persons die 50,000yen - 100,000yen

Em

ployer (salary/social insurance)

If dependent persons die 50,000yen - 60,000yen

I

D

I

D

I

※Insurance benefits expire after two years. 　

Your right to receive health insurance benefits for a specific event expires after two years. Keep this in mind if you must claim the benefits yourself.

★See the FR Health Insurance Organization’s website for more information.

http://www.fr-kenpo.or.jp/eng/member/01_info/106.htmlHOME 　＞ Introduction ＞ List of insurance benefits

Death

If you have given birth

Notification of Health Insurance card lossSubmit these forms by the set.

Em

ployer (salary/social insurance)

Application Form for Reissue of Health Insurance Card (Card loss/ Damage)

Notification of Health Insurance Dependent (Change)

See the FR Health Insurance Organization’s website.

（ http://www.fr-kenpo.or.jp/eng/member/

02_life/202/pdf/20202_b.pdf ）

Notification of name change(correction) of insured person

Submit this notice with the health insurance card issued under your previous name.

※The same procedure applies, if the name of the dependent person changes.※Insured persons must also notify the company of any change in their name.

Notification of change of address

Submit an address change notice to FR Health Insurance if the address of a dependent persons has changed.

※Submit the notice to the employer if the address of the insured person has changed.

The F

R H

ealth insurance O

rganization

Notification of applicability (non-applicability)

for long-term care insurance exemption

See the FR Health Insurance Organization’s website.

（ http://www.fr-kenpo.or.jp/eng/member/02_life/207/20701.html ）

Em

ployer (salary/social insurance)

Topics covered by application forms Key points of application

D

I

D

I

D

D

I

●List of procedures related to health insurance cards and applicability

★You can download application forms below.

http://www.fr-kenpo.or.jp/eng/member/05_sinsei/index.htmlHOME ＞ Application forms

Elig

ible

perso

ns

Wh

ere to

file claim

s

If you lose your health insurance card

If you want to name a family member as a dependent

If your name has changed

If your address has changed

If your address changes to an overseas address

…Insured persons …Dependent personsDI

D

Employer(salary/social insurance) …Salary and social insurance team at the head office

Cases not covered by health insurance

●Health insurance does not cover certain types of medical care.

You cannot use health insurance in the following cases:

・ Any treatment or therapy elected to treat simple overwork or fatigue

・ Plastic surgery for cosmetic reasons

・ Blemishes, birthmarks, or other cosmetic factors that do not impede work or everyday life

・ Nearsightedness, farsightedness, astigmatism, squinting, or similar conditions with no prospect of recovery

・ Vaccination shots or oral medicine

・ Abortions performed for economic reasons

・ Experimental treatments not covered by insurance

※In certain cases, health insurance may be available for use on an exceptional basis.

●Health insurance does not cover treatment for injuries sustained during work or while commuting to or from work.

You may not use health insurance for injuries sustained during work or while commuting to or from work. In certain cases, such incidents may be covered by workers’ accident compensation insurance. Be sure to inform Salary and social insurance team at the head office.

＊ Proceed carefully with out-of-court settlementsChoosing to settle out of court too quickly may lead to unexpected problems,

including restrictions on the amount of costs you can claim.

If you have been involved in a traffic accident (due to the actions of a third party)

●Be sure to submit a notice to the FR Health Insurance Organization

Traditionally, the party responsible pays the medical costs of sickness or injury due to the actions of a third party. When the party responsible cannot be identified or in other such cases, the Health Insurance Organization may loan the funds required for medical costs on a temporary basis. In such cases, be sure to notify the Health Insurance Organization. ※ Actions of a third party …Injuries stemming from traffic accidents, altercations, bites from other

people’s dogs, food poisoning from food eaten at a restaurant or purchased, collisions or accidents incurred while skiing, snowboarding, or other such activities, falling objects at construction sites, and so forth.

Treatment by a judo therapist (osteopath, bonesetter)

●You can use health insurance for a specific range of treatments.

●Take care regarding the following matters: (i) Carefully check the contents of the Application for Reimbursement of Medical

Expenses before signing.(ii) Obtain and retain receipts. (Treatment is eligible for medical expenses deductions

on your income tax.)(iii) Get an examination from a doctor if you do not recover after visiting for extended

periods. (You may have another condition.)(iv) Extended examinations, including those for other body parts or family members,

are not covered.

Acupuncture or moxibustion

(i) Requires doctor’s consent.(ii) Costs must be paid in full and in advance.(iii) Attach your receipt and doctor’s letter of consent to the Application for

Reimbursement of Medical Expenses and submit to the FR Health Insurance Organization.

(iv) Get an examination from a doctor if you do not recover after visiting for extended periods.

Cases in which you can use health insurance:

Cases not covered by health insurance:

・ Acute sprains, bruises, fractures, torn muscles

・ Broken bones, cracked bones, dislocations (all treatment other than first aid requires doctor’s consent)

・ Injury while you are at work or while you are traveling to work

・ Overwork, stiff shoulders, lower-back pain, or poor health attributable to everyday life

・ 　 Muscular fatigue, muscle pain, etc. due to sports activities

・ Pain due to disease (such as rheumatism, age-related stiff and painful shoulders, or arthritis)

・ Treatment in surgery or plastic surgery departments when treatment for the same region of the body is already scheduled for that date

・ Treatment for extended periods with no prospect of recovery

●You may be asked for more information about your conditions and use of

insurance.

Don’t forget to get your annual health checkups

Persons eligible for checkups

InsuredDependent

（ dependent spouse ・ 40 years of age and older ）

Guide

Whether you work in Japan or overseas, don’t forget to get the annual health checkup provided by your employer.

Whether you live in Japan or overseas, don’t forget to get the annual health checkup provided by the FR Health Insurance Organization.

How to apply

Persons working in Japan

Persons working overseas

Persons living in Japan

Persons living overseas

To schedule your checkup, contact directly the hospital contracted to provide the checkups. Thereafter, apply to EWEL, Inc. for a checkup.

To schedule your checkup via the web, go to the health checkup site accessible via the FR Health Insurance Organization‘s website.

To schedule your checkup, contact directly the hospital contracted to provide the checkups, as described in the checkup reminder sent from the FR Health Insurance Organization.

To schedule your checkup via the web, go to the health checkup site accessible via the FR Health Insurance Organization’s website.

Examinations

The focus of the checkups will differ depending on your age and gender. Complete check-ups will be added for persons of age 35 and for those 40 years and older. Tests for Helicobacter pylori and pepsinogen (stomach cancer) and tests for cervical and breast cancer for women will be added for those at certain key ages.

For certain optional exams, you may be responsible for paying the exam fee yourself.

Checkup results

The medical facility that provides the health checkup will send the examination results directly to you (to the patient). The results of these checkups are stored in the FR Health Insurance Organization’s database “KENKO BOX” to make it possible to assess your changing health over the years.

After your checkup

Health maintenance guidance based on checkup data is provided to maintain and promote health. Industrial physicians play central roles in these services.

Annual health checkups are the first step in health management. We recommend that

you schedule a checkup immediately after receiving the checkup reminder from your

employer or the FR Health Insurance Organization.

※ You must be covered by FR Health Insurance as of the date of the checkup. ※ Health checkups are provided once annually. ※ Health checkups are subcontracted to EWEL, Inc. ※ Go to the FR Health Insurance website for more information on what aspects of your

health checkups examine and information on the handling of personal information.

Members are eligible for consultations on topics ranging from childcare to mental health. All content is in Japanese.

●Mental and physical health consultation

　　 ※ You can also call from your mobile phone. 　 ※ In-person consultations are also available.

●Consultation website 「 Online service for mental and physical health 」 https://www.healthy-hotline.com

●Childcare consultation mobile site 　 「 My Baby Club 」

　

　●Consultation from overseas (available by calling collect)

　 http://www.fr-kenpo.or.jp/hoken/list.pdf※Use these services with confidence; all personal information will be held in the strictest confidence.

0120-832-238 Open throughout the year

ID ： 06139596

ID ・ PASSWORD ： 06139596

Information about the household medicine purchasing service

Click on this banner from the FR Health Insurance Organization website!

（ http://www.fr-kenpo.or.jp/member/07_hoken/704.html ）HOME ＞ Information about the household medicine purchasing service

As part of efforts to help protect member health, we will make home medical supplies and other materials available at special prices. We encourage you to use these to keep your home prepared for various medical needs.

If you want to take a break

A range of welfare programs are available at a discount from a menu of services

targeting specific life stages. These include members-only sports clubs, childcare

support, and tickets for various recreational events.

The service also gives members access to a range of attractive information. Start by

accessing “WELBOX” on the FR Health Insurance Organization website. 《 This is a

welfare program provided by EWEL, Inc. in partnership with the FR Health Insurance

Organization. 　》

You can access WELBOX starting around one month after your health insurance card

arrives.

● How to apply from your mobile phone

https://mwb.jp

8051

Staff　number

（４ figures ）

The　date　of　your　birth(　8　figures　)

OR

●How to apply from your smartphone

www.smart-welbox.com

Access the log in page of website(welbox.com) from your smartphone to display the website for smartphone.

Access the mobile site (mwb.jp) from your smartphone to display the website for smartphones.

　Two　kinds　of　way　to　log　in　

➊ Log in using your membership number

➋ Log in using your email address

To use these services, go to the following URL or QR code to log in from your mobile phone. From you computer, access the services from the website.

All content in the linked pages in Japanese.

Fitness

Special admission to fitness clubs

LIFE SUPPORTMany services are available!Example of services

You can choose from more than 4,000 options, according to your own specific stage in life.

Entertainment

Special admission to movie tickets

109 CINEMAS ＆ TOKYU CINEMAS The basic ticket charge1,800yen

⇒1,200yen

TOHO CINEMAS The basic ticket charge1,800yen

⇒ 1,300yen

KONAMI SPORTS-CLUBThe usage charge （ once/fiscal year ）

840yen - 2,730yen

CENTRAL SPORTSThe usage charge (once/fiscal year ）

500yen - 2,000yen

Example of services

Example of services

Relaxation ・ Beauty care

Other

Skill up Book ・ CD ・ DVD Healthcare Nursing care Housing

Disney　Resort　and　USJ

Special admission to recreation Special admission to massage services

【 Limited time offer 】・ Tokyo　Disney　Resort・Universal　Studio　JAPANInformation on special (subsidized) admission tickets!!

Example of services

てもみん (TEMOMIN)The　basic　tickets　charge1,050yen ⇒Membership　price　840yen

リフレッシュしたいとき（日本旅行）

Show your FR Health Insurance Organization health insurance card at any Nippon Travel Agency branch (excluding OMC, independent agents, or special agents) to get discounts of 3–5% on travel costs. Go to the Nippon Travel Agency website (http://www.nta.co.jp/shop/) or contact NTA below to locate the nearest branch.

日本旅行 (NIPPON　TRAVEL　AGENCY)　YAMAGUCHI　branch 　 TEL：　 083-972-221110 ： 00 ～ 18 ： 00 　 (Except for Saturday, Sunday and A public holiday)

NIPPON TRAVEL AGENCY

Example of services

If you leave the company or lose eligibility for the FR Health Insurance Organization (loss of eligibility) You can no longer use your FR Health Insurance Organization health insurance

card once you have lost your coverage under the health insurance system

because you left the company or because your contracted hours changed !!

【 How to return 】

If you leave the company

Withdrawal from health insurance

due to changes in contracted hours

Return your card by post

Return your card via regular in-house mail (or by post).

Addressed to Salary and social insurance team

at the head office

●If you are no longer eligible

Return your health insurance card promptly on the day at the time of your

departure from the company or at the time of your contract change.

※ If you have dependent family members, you must return their health insurance cards as well.

　

After your retirement

If you begin new employment immediately.

If you do not begin new

employment immediately.

You will become an insured person under the health insurance provided by your new employer.

You will become a voluntarily continuously insured person.

You will become a member of the National Health Insurance Organization.

You will become a dependent of your spouse or child.

※You must meet certain conditions to be named a dependent.

※ Those issued elderly benefits cards or a Certificate of Application of Maximum Copayment

Amount must return these together with their health insurance cards.

※ If you use your health insurance card after the date you left the company or the date on which

your contract changed, you will be required to repay any medical costs incurred.

＊ Voluntarily continuously insured personsThose who have been insured for at least two months before loss of eligibility may continue to receive insurance benefits as voluntarily continuously insured persons for a period of two years following loss of eligibility for FR Health Insurance. (Note that you will not be eligible for Maternity Allowance or Injury and Sickness Allowance.)

If you wish to become a voluntarily continuously insured person, submit the Application for Voluntarily and Continuously Insured Person Status to the FR Health Insurance Organization no later than 20 days after you lose your eligibility. If you have any dependent persons, submit the Notification of Health Insurance Dependent (Change) for Voluntarily and Continuously Insured Persons.

You can check on procedures at 　 the FR Health Insurance Organization’s website .

http://www.fr-kenpo.or.jp/eng/member/02_life/208/20803.html　 HOME ＞ Subject search by life situation ＞ When you retire

＞ When you wish to remain a member of our Health Insurance Organization

＊ Benefits after loss of eligibility 　In certain cases, those who have been insured for at least one year continuously before loss of eligibility may be eligible to receive Injury and Sickness Allowances , the ※Childbirth and Childcare Lump-sum Grant, Maternity Allowances , and Funeral fees ※even after losing their eligibility. However, even those eligible to receive the preceding benefits will not receive any additional benefits.

http://www.fr-kenpo.or.jp/eng/member/02_life/208/208.htmlHOME ＞ Subject search by life situation ＞ When you retire ＞

※ This applies only to cases in which the individuals continue to receive benefits that they were already receiving while still employed by the company.

FR Health Insurance OrganizationTEL ： 03-6865-0005 ／ FAX ： 03-6865-0006

8 ： 00 〜 17 ： 00 （ Except for Saturdays and Sundays ）

The information provided includes detailed information on insurance benefits and

healthcare activities, how to perform various procedures, and the latest news from the

Health Insurance Organization. Use this service alongside this guide for a wealth of

information useful for healthy living.

http://www.fr-kenpo.or.jp/eng/index.html

Reference

Information about the FR Health Insurance Organization’s website

Downloads Application formsYou can download various notification and application forms related to health insurance and healthcare activities.

Introduction Provides a profile of FR Health Insurance and introduces the health insurance system.

Subject search by life situationExplains the benefits available and necessary procedures for individual life situations.

LanguagesClick here to select the languages.(Japanese or English)

News &TopicsRegularly features important announcements and the latest information from the FR Health Insurance Organization.

◇◇Protection of personal information ◇◇

With the passage of the Act on the Protection of Personal Information in May

2003, companies and health insurance societies have been subject since April

2005 to certain requirements on their handling of personal information. FR

Health Insurance Organization handles personal information based on the

following concepts to protect the privacy of the individuals concerned.

FR Health Insurance Organization provides services to achieve the goals

specified under the Health Insurance Act: “to contribute to the stability of the

public’s livelihood and to improve welfare by providing insurance benefits to

employees for sickness, injury, death, due to other than job-related reasons, for

childbirth, and for sickness, injury, death, or childbirth of dependents.” In

addition, the Health Insurance Act also stipulates that “insurers must strive to

provide the necessary services to maintain and promote the health of insured

persons and their dependents, including, but not limited to, health education,

health consultations, and health checkups.”

In this way, FR Health Insurance Organization seeks to address costs related to

sickness and injury among insured persons and their family members

(“members” hereinafter) and costs related to childbirth and death, as well as

living expenses when income is interrupted by sickness, injury, or childbirth.

FR Health Insurance Organization also provides the services needed to

maintain and promote the health of its members, including health education,

health consultations, and health checkups.

Personal information on members is essential in allowing FR Health Insurance

Organization to provide these services to its members. FR Health Insurance

Organization places the utmost emphasis on the secure storage and handling of

this information and takes all necessary steps to ensure all employees involved

in service activities and other related parties are thoroughly aware of

confidentiality issues and practices.

FR Health Insurance Organization also makes every effort to protect the privacy

of its members and other individuals, keeping in mind the issues described in its

basic privacy policy.

★See the FR Health Insurance Organization’s website for more information.

http://www.fr-kenpo.or.jp/eng/member/10_policy/index.htmlHOME ＞ Protection of personal information

March 1st, 2013