平成 19 年度

生活保障に関する調査《概要》

平成 19 年 12 月(財)生命保険文化センター

目
⋡

次
ᰴ

╙Σ┨ ↢ᵴ⸳⸘ߣ↢ᵴ଻㓚ᗧ⼂㧚⃻࿷ߣ㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈ ····················································································1
(1) ⃻࿷ߩ᥵ࠄߒะ߈····································································································1(2) 㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈ ··························································································1(3) ᥵ࠄߒะ߈߇ᖡߊߥࠆߣ⠨߃ࠆℂ↱ ···········································································2(4) 㧞㧘㧟ᐕᓟߩ઀੐ߩ⷗ㅢߒ ·······················································································2(5) 㧞㧘㧟ᐕᓟߩ਎Ꮺ෼౉ߩ⷗ㅢߒ ·················································································3㧚↢ᵴ⸳⸘ᗧ⼂·············································································································3
(1) ↢ᵴ⸳⸘ߩ᦭ή·······································································································3(2) ↢ᵴ⸳⸘ߩᦼ㑆·······································································································4(3) ↢ᵴ⸳⸘ࠍ┙ߡߥ޿ℂ↱ ··························································································4㧚ኅᐸౝߢ㊀ⷞߔࠆ⚻ᷣ⊛ߥḰ஻㗄⋡ ··············································································5㧚⑳⊛ߥ↢ᵴ଻㓚ߩḰ஻ߦኻߔࠆ⠨߃ᣇ ···········································································6╙Τ┨ ක≮଻㓚㧚ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ᗧ⼂ ·······················································································7
(1) ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩ᦭ή ·················································································7(2) ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩౝኈ ·················································································7㧚ㆊ෰㧡ᐕ㑆ߩ౉㒮⚻㛎 ································································································8
(1) ⋥ㄭߩ౉㒮ߩᤨᦼ····································································································8(2) ⋥ㄭߩ౉㒮ᤨߩ౉㒮ᣣᢙ ··························································································8(3) ⋥ㄭߩ౉㒮ᤨߩ⥄Ꮖ⽶ᜂ⾌↪ ····················································································9㧚౏⊛ක≮଻㒾ߦኻߔࠆᗧ⼂ ························································································ 10(1) ౏⊛ක≮଻㒾ߦኻߔࠆ⹺⍮ ····················································································· 10(2) ౏⊛ක≮଻㒾ߦኻߔࠆ⠨߃ᣇ ·················································································· 10(3) ౏⊛ක≮଻㒾ߦኻߔࠆ⹏ଔ ····················································································· 11Ԙ ౏⊛ක≮଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ ······································································ 11ԙ ౏⊛ක≮଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ ··································································· 11(4) ක≮଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆·························································· 12㧚ක≮଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ ·················································································· 12㧚ක≮଻㓚ߣߒߡߩ↢๮଻㒾 ························································································ 13
(1) ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸····························································· 13Ԙ ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸㧔ో↢଻㧕··········································· 13ԙ ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸㧔᳃଻㧕 ·············································· 14Ԛ ࠟࡦ଻㒾࡮ࠟࡦ․⚂ߩട౉₸················································································ 14ԛ ․ቯ∔∛଻㓚଻㒾࡮․ቯ∔∛଻㓚․⚂ߩട౉₸ ······················································· 15(2) ∔∛౉㒮⛎ઃ㊄ᣣ㗵 ······························································································ 16Ԙ ∔∛౉㒮⛎ઃ㊄ᣣ㗵㧔ో↢଻㧕············································································· 16ԙ ∔∛౉㒮⛎ઃ㊄ᣣ㗵㧔᳃଻㧕················································································ 17(3) ౉㒮⛎ઃ㊄ߩᏗᦸ㗵 ······························································································ 17㧚ක≮଻㓚ߦኻߔࠆల⿷ᗵ ··························································································· 18㧚ක≮଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ ··············································································· 18㧚౉㒮⾌↪ࠍ߹߆ߥ߁ᚻᲑ ··························································································· 19⋡ᰴ㧙1╙Υ┨ ⠧ᓟ଻㓚㧚⠧ᓟ↢ᵴߦኻߔࠆਇ቟ᗧ⼂ ························································································ 20
(1) ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή ·················································································· 20(2) ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩౝኈ ·················································································· 20㧚⠧ᓟ↢ᵴߦኻߔࠆᗧ⼂ ······························································································ 21(1) ⠧ᓟߩ↢ᵴ᳓Ḱ····································································································· 21(2) ⠧ᓟߩᦨૐᣣᏱ↢ᵴ⾌ ··························································································· 22(3) ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵 ··············································································· 23(4) ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵ߩ૶ㅜ ······································································ 24(5) ࠁߣࠅ޽ࠆ⠧ᓟ↢ᵴ⾌ ··························································································· 24㧚౏⊛ᐕ㊄ߦኻߔࠆᗧ⼂ ······························································································ 25
(1) ౏⊛ᐕ㊄ߦኻߔࠆ⹺⍮ ··························································································· 25(2) ౏⊛ᐕ㊄ߦኻߔࠆ⠨߃ᣇ ························································································ 26(3) ౏⊛ᐕ㊄ߦኻߔࠆ⹏ଔ ··························································································· 26Ԙ ౏⊛ᐕ㊄ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ············································································· 26ԙ ౏⊛ᐕ㊄ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ ········································································· 27(4) ⠧ᓟ଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆·························································· 27㧚⠧ᓟ଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ ·················································································· 28㧚⠧ᓟ⾗㊄ߩ૶↪㐿ᆎᐕ㦂 ··························································································· 28㧚⠧ᓟ଻㓚ߣߒߡߩ୘ੱᐕ㊄଻㒾 ·················································································· 29(1) ୘ੱᐕ㊄଻㒾ട౉₸㧔ో↢଻㧕 ··············································································· 29(2) ୘ੱᐕ㊄଻㒾ട౉₸㧔᳃଻㧕 ·················································································· 29㧚⠧ᓟ଻㓚ߦኻߔࠆల⿷ᗵ ··························································································· 30㧚⠧ᓟ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ ··············································································· 30㧚⠧ᓟߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ ·················································································· 31╙Φ┨ ᱫ੢଻㓚㧚ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ᗧ⼂ ········································································· 32(1) ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή ··································································· 32(2) ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩౝኈ ··································································· 32㧚౏⊛ᱫ੢଻㓚ߦኻߔࠆᗧ⼂ ························································································ 33
(1) ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⹺⍮ ····················································································· 33(2) ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⠨߃ᣇ ·················································································· 34(3) ౏⊛ᱫ੢଻㓚ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ ······································································ 34(4) ᱫ੢଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆·························································· 35㧚ᱫ੢଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ ·················································································· 35㧚ᱫ੢଻㓚ߣߒߡߩ↢๮଻㒾 ························································································ 36(1) ↢๮଻㒾ട౉₸····································································································· 36(2) ↢๮଻㒾ട౉㊄㗵·································································································· 37Ԙ ↢๮଻㒾ട౉㊄㗵㧔ో↢଻㧕················································································ 37ԙ ↢๮଻㒾ട౉㊄㗵㧔᳃଻㧕··················································································· 38(3) ᱫ੢଻㒾㊄ߩᏗᦸ㗵 ······························································································ 38㧚ᱫ੢଻㓚ߦኻߔࠆల⿷ᗵ ··························································································· 39㧚ᱫ੢଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ ··············································································· 39㧚ㆮᣖߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ ·················································································· 40⋡ᰴ㧙2╙Χ┨ ੺⼔଻㓚㧚੺⼔ߦኻߔࠆਇ቟ᗧ⼂ ······························································································ 41(1) ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩ᦭ή ··············································································· 41(2) ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩౝኈ ··············································································· 41(3) ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩ᦭ή ········································································· 42(4) ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩౝኈ ········································································· 42㧚੺⼔⚻㛎················································································································· 43(1) ੺⼔⚻㛎ߩ᦭ή····································································································· 43(2) ੺⼔ኻ⽎⠪··········································································································· 43(3) ੺⼔ᦼ㑆·············································································································· 44(4) ੺⼔ࠍⴕߞߚ႐ᚲ·································································································· 44(5) ౏⊛੺⼔଻㒾ࠨ࡯ࡆࠬߩ೑↪⚻㛎ߩ᦭ή ··································································· 45㧚⥄ಽߩ੺⼔ߦኻߔࠆᗧ⼂ ··························································································· 45(1) ⥄ಽ߇੺⼔ߒߡ߽ࠄ޿ߚ޿႐ᚲ ··············································································· 45(2) ࿷ቛ੺⼔ࠍᦸ߻ੱߩᄖㇱࠨ࡯ࡆࠬߩ೑↪ᗧะ····························································· 46(3) ࿷ቛ੺⼔ࠍᦸ߻ℂ↱ ······························································································ 46(4) ᣉ⸳੺⼔ࠍᦸ߻ℂ↱ ······························································································ 47㧚౏⊛੺⼔଻㒾ߦኻߔࠆᗧ⼂ ························································································ 48(1) ౏⊛੺⼔଻㒾ߦኻߔࠆ⹺⍮ ····················································································· 48(2) ౏⊛੺⼔଻㒾ߦኻߔࠆ⠨߃ᣇ ·················································································· 48(3) ౏⊛੺⼔଻㒾ߦኻߔࠆ⹏ଔ ····················································································· 49Ԙ ౏⊛੺⼔଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ ······································································ 49ԙ ౏⊛੺⼔଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ ··································································· 49(4) ੺⼔଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆·························································· 50㧚੺⼔଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ ·················································································· 50㧚੺⼔଻㓚ߣߒߡߩ↢๮଻㒾㧔੺⼔଻㒾࡮੺⼔․⚂㧕······················································· 51㧚੺⼔଻㓚ߦኻߔࠆల⿷ᗵ ··························································································· 51㧚੺⼔଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ ··············································································· 52㧚੺⼔ߩ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ ························································································ 52╙Ψ┨ ↢ᵴ଻㓚ߣ↢๮଻㒾㧚ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ ······························································································ 53
(1) ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ ····················································································· 53(2) ᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ ····················································································· 54(3) ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߣᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߩ⚵วߖ ································· 54㧚↢๮଻㒾࡮୘ੱᐕ㊄଻㒾ട౉₸ ·················································································· 55㧚ᐕ㑆ᛄㄟ଻㒾ᢱ········································································································ 56╙Ω┨ ⋥ㄭട౉ᄾ⚂ߩ⁁ᴫߣ੹ᓟߩട౉ᗧะ
㧚⋥ㄭട౉ᄾ⚂ߩታᘒ ································································································· 57
(1) ⋥ㄭട౉ᄾ⚂ߩട౉ᐕᰴ ························································································ 57(2) ⋥ㄭട౉ᄾ⚂ߩട౉⋡⊛ ························································································ 57(3) ⋥ㄭട౉ᄾ⚂ߩട౉࠴ࡖࡀ࡞ ·················································································· 58㧚੹ᓟߩട౉࠴ࡖࡀ࡞ߦኻߔࠆᗧะ ··············································································· 59(1) ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞ ························································································ 59(2) ᦨ߽ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞ ·················································································· 60⋡ᰴ㧙3╙Ϊ┨ 㧠ߟߩ଻㓚㗔ၞߩ߹ߣ߼
㧚ਇ቟ᗧ⼂················································································································· 61㧚౏⊛଻㓚ߦኻߔࠆ⠨߃ᣇ ··························································································· 61㧚⑳⊛Ḱ஻⁁ᴫ··········································································································· 61㧚↢ᵴ଻㓚ߦኻߔࠆల⿷ᗵ ··························································································· 62㧚↢ᵴ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ ··············································································· 62⵬┨㧚᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧ⼂ ····················································································· 63(1) ᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧะ ·················································································· 63(2) ᳃଻ߣ◲଻ߦኻߔࠆㆬᅢℂ↱ ·················································································· 64(3) ᳃଻ߣ◲଻ߦኻߔࠆࠗࡔ࡯ࠫ ·················································································· 65㧚౏⊛ᡰេ೙ᐲߦኻߔࠆᗧ⼂ ························································································ 66(1) ౏⊛ᡰេ೙ᐲ᜛లᤨߩ↢๮଻㒾ߩട౉࡮⛮⛯ߦኻߔࠆ⠨߃ᣇ········································ 66(2) ౏⊛ᡰេ೙ᐲ❗ዊᤨߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀······················································· 66(3) ౏⊛ᡰេ೙ᐲ᜛ల࡮❗ዊ߇↢ᵴ଻㓚Ḱ஻ߦਈ߃ࠆᓇ㗀················································· 66⺞ᩏⷐ㗔Ԙ⺞ ᩏ ࿾ ၞ ో࿖㧔 ࿾ὐ㧕ԙ⺞ ᩏ ኻ ⽎  㨪 ᱦߩ↵ᅚ୘ੱԚ᛽ ಴ ᣇ ᴺ  ጀൻ㧞Ბή૞ὑ᛽಴ԛ⺞ ᩏ ᣇ ᴺ  㕙ធ⡬ขᴺ㧔ߚߛߒ↢๮଻㒾࡮୘ੱᐕ㊄଻㒾ട౉⁁ᴫㇱಽߪ৻ㇱ⇐⟎⡬ขᴺࠍ૬↪㧕Ԝ⺞ ᩏ ᤨ ᦼ  ᐔᚑ  ᐕ㧠᦬  ᣣ㨪㧢᦬  ᣣԝ⺞ ᩏ ᯏ 㑐  㧔␠㧕ਛᄩ⺞ᩏ␠Ԟ࿁෼ࠨࡦࡊ࡞ 

⋡ᰴ㧙4

第Ⅰ章↢ᵴ⸳⸘ߣ↢ᵴ଻㓚ᗧ⼂㩷
生活設計と生活保障意識╙+┨
1㧚 ⃻࿷ߣ㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈
(1) ⃻࿷ߩ᥵ࠄߒะ߈
⃻࿷ߩ⥄ಽ⥄りߩ᥵ࠄߒะ߈ߦߟ޿ߡߤߩࠃ߁ߦᗵߓߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬̌ᭉߢ߽⧰ߒߊ߽ߥ޿⒟ᐲߢ޽ࠆ̍ߣߒߚੱߪ 53.4㧑ߢ޽ࠅ‫ޔ‬‫ߒࠄ᥵ޟ‬ะ߈߇⧰ߒ޿‫ ߪޠ‬32.4㧑‫ޔ‬‫ߒࠄ᥵ޟ‬ะ߈߇ᭉ‫ ߪޠ‬13.8㧑
ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬̌ᭉߢ߽⧰ߒߊ߽ߥ޿⒟ᐲߢ޽ࠆ̍߇ 3.3 ࡐࠗࡦ࠻Ⴧടߒ‫ޔ‬‫ߒࠄ᥵ޟ‬ะ߈߇⧰ߒ޿‫ ߇ޠ‬3.5 ࡐࠗࡦ࠻ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ⃻࿷ߩ᥵ࠄߒะ߈㩷㩷(2) 㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈
㧞㧘㧟ᐕᓟߩ⥄ಽ⥄りߩ᥵ࠄߒะ߈߇ߤߩࠃ߁ߦߥࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬̌੹ߣ޽߹ࠅᄌࠊ
ࠄߥ޿̍ߣߒߚੱߪ 55.4㧑ߢ޽ࠅ‫ޔ‬‫ߒࠄ᥵ޟ‬ะ߈ߪᖡߊߥࠆ‫ ߪޠ‬33.4㧑‫ޔ‬‫ߒࠄ᥵ޟ‬ะ߈ߪ⦟ߊߥࠆ‫ߪޠ‬
8.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬̌੹ߣ޽߹ࠅᄌࠊࠄߥ޿̍߇ 2.6 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈

㩷

㧙1㧙

(3) ᥵ࠄߒะ߈߇ᖡߊߥࠆߣ⠨߃ࠆℂ↱
㧞㧘㧟ᐕᓟߩ᥵ࠄߒะ߈߇ᖡߊߥࠆߣ࿁╵ߒߚੱߩℂ↱ࠍߺࠆߣ‫߽ᦨޔ‬㜞߆ߞߚߩߪ‫ޟ‬෼౉߇Ⴧ߃
ߘ߁ߦߥ޿߆ࠄ‫ ߢޠ‬59.6㧑‫ޔ‬એਅ‫ޟ‬⒢㊄߇Ⴧ߃ߘ߁ߛ߆ࠄ‫ޠ‬
㧔43.9㧑㧕
‫ޔ‬‫␠ޟ‬ળ଻㒾ᢱ߇Ⴧ߃ߘ߁ߛ߆
ࠄ‫ޠ‬
㧔41.2㧑㧕
‫ޔ‬‫ޟ‬ሶߤ߽ߦ㑐ࠊࠆᡰ಴߇Ⴧ߃ߘ߁ߛ߆ࠄ‫ޠ‬
㧔32.8㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬෼౉߇Ⴧ߃ߘ߁ߦߥ޿߆ࠄ‫ ߇ޠ‬7.1 ࡐࠗࡦ࠻ᷫዋߔࠆ෻㕙‫ޔ‬‫ޟ‬⒢㊄߇Ⴧ߃ߘ߁
ߛ߆ࠄ‫ ߇ޠ‬6.1 ࡐࠗࡦ࠻‫ޔ‬‫‛ޟ‬ଔ߇਄᣹ߒߘ߁ߛ߆ࠄ‫ ߇ޠ‬9.4 ࡐࠗࡦ࠻ߘࠇߙࠇჇടߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ᥵ࠄߒะ߈߇ᖡߊߥࠆߣ⠨߃ࠆℂ↱㩷(4) 㧞㧘㧟ᐕᓟߩ઀੐ߩ⷗ㅢߒ
㧞㧘㧟ᐕᓟߩ઀੐ߩ⷗ㅢߒߦߟ޿ߡߤ߁⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫઀ߩ੹ޟޔ‬੐ࠍ⛮⛯ߒߡ޿ࠆ‫ߪޠ‬62.3㧑‫ޔ‬‫ߦ⊛⊒⥄ޟ‬ォ⡯‫ޔ‬ォᬺ‫ޔ‬ౣዞ⡯ߒߡ޿ࠆ‫ ߪޠ‬10.9㧑‫ޔ‬‫ޟ‬㕖⥄⊒⊛ߦᄬᬺ‫ޔ‬ォ⡯‫ޔ‬ォᬺߒߡ޿ࠆ‫ޠ‬
ߪ 2.4㧑‫ޔ‬‫ޟ‬ᒁㅌ‫ޔ‬ㅌ⡯ߒߡ޿ࠆ‫ ߪޠ‬15.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ߦ⊛⊒⥄ޟ‬ォ⡯‫ޔ‬ォᬺ‫ޔ‬ౣዞ⡯ߒߡ޿ࠆ‫ ߇ޠ‬2.0 ࡐࠗࡦ࠻Ⴧടߒ‫ޔ‬‫ޟ‬㕖⥄⊒⊛ߦᄬᬺ‫ޔ‬ォ⡯‫ޔ‬ォᬺߒߡ޿ࠆ‫ޠ‬‫ޔ‬‫ޟ‬ᒁㅌ‫ޔ‬ㅌ⡯ߒߡ޿ࠆ‫߇ޠ‬ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 㧞㧘㧟ᐕᓟߩ઀੐ߩ⷗ㅢߒ㩷㩷

㧙2㧙

(5) 㧞㧘㧟ᐕᓟߩ਎Ꮺ෼౉ߩ⷗ㅢߒ
ኅᐸో૕ߩ෼౉ߩ㧞㧘㧟ᐕᓟߩ⷗ㅢߒߦߟ޿ߡߤ߁⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫ޟ‬ᄌࠊࠄߥ޿‫ ߪޠ‬56.3㧑‫ޔ‬‫ޟ‬Ⴧടߒߡ޿ࠆ‫ ߪޠ‬12.1㧑‫ޔ‬‫ޟ‬ᷫዋߒߡ޿ࠆ‫ ߪޠ‬27.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ⴧടߒߡ޿ࠆ‫ ߇ޠ‬2.7 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 㧞㧘㧟ᐕᓟߩ਎Ꮺ෼౉ߩ⷗ㅢߒ㩷2㧚 ↢ᵴ⸳⸘ᗧ⼂(1) ↢ᵴ⸳⸘ߩ᦭ή⥄ಽ⥄り߿ኅᣖߩ዁᧪ࠍߤߩࠃ߁ߦߒߚ޿߆‫⚻ߩ߼ߚߩߘޔ‬ᷣ⊛ߥḰ஻ࠍߤ߁ߒߚࠄࠃ޿߆ߣ޿ߞ
ߚ‫ౕޔ‬૕⊛ߥ↢ᵴ⸳⸘ࠍ┙ߡߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫↢ޟ‬ᵴ⸳⸘޽ࠅ‫ߣޠ‬࿁╵ߒߚੱߪ 33.6㧑‫ޔ‬‫↢ޟ‬ᵴ⸳⸘ߥߒ‫ ߪੱߚߒߣޠ‬57.9㧑ߣߥࠅ‫ౕޔ‬૕⊛ߥ↢ᵴ⸳⸘ࠍ┙ߡߡ޿ࠆੱߪ㧟ੱߦ㧝ੱߩഀวߦߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫↢ޟ‬ᵴ⸳⸘޽ࠅ‫ ߇ޠ‬3.3 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ↢ᵴ⸳⸘ߩ᦭ή㩷㩷㧙3㧙

(2) ↢ᵴ⸳⸘ߩᦼ㑆‫↢ޟ‬ᵴ⸳⸘޽ࠅ‫ߣޠ‬࿁╵ߒߚੱߩ↢ᵴ⸳⸘ߩᐔဋᦼ㑆ߪ 12.3 ᐕߣߥߞߡ޿ࠆ‫ޕ‬ᦼ㑆ߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬㧢㨪10 ᐕ‫ ߇ޠ‬36.5㧑‫ޔ‬એਅ‫ޟ‬㧡ᐕએਅ‫ޠ‬
㧔22.3㧑㧕
‫ޔ‬‫ޟ‬16㨪20 ᐕ‫ޠ‬
㧔16.0㧑㧕
ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ↢ᵴ⸳⸘ߩᦼ㑆㩷㩷(3) ↢ᵴ⸳⸘ࠍ┙ߡߥ޿ℂ↱‫↢ޟ‬ᵴ⸳⸘ߥߒ‫ߣޠ‬࿁╵ߒߚੱߩℂ↱ࠍߺࠆߣ‫ޔ‬‫⚻ޟ‬ᷣ⊛૛⵨߇ߥ޿߆ࠄ‫ ߇ޠ‬29.2㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬዁᧪ߩ⷗ㅢߒࠍ┙ߡ㔍޿߆ࠄ‫ޠ‬
㧔28.5㧑㧕
‫ޔ‬‫ޠࠄ߆ࠆߌ޿ߡߒࠄ᥵߆ߣࠎߥޟ‬㧔19.3㧑㧕
‫ޔ‬‫ޟ‬዁᧪ࠃ
ࠅ⃻࿷ߩ↢ᵴ߇ᄢಾߛ߆ࠄ‫ޠ‬
㧔13.9㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⚻ޟ‬ᷣ⊛૛⵨߇ߥ޿߆ࠄ‫ ߇ޠ‬2.5 ࡐࠗࡦ࠻Ⴧടߒ‫ޔ‬‫ޟ‬዁᧪ࠃࠅ⃻࿷ߩ↢ᵴ߇ᄢಾߛ߆ࠄ‫ޠ‬‫ޔ‬‫ޟ‬ኅᣖߘࠇߙࠇ߇⠨߃ࠆߎߣߛ߆ࠄ‫߇ޠ‬ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ↢ᵴ⸳⸘ࠍ┙ߡߥ޿ℂ↱㩷㩷

㧙4㧙

3㧚 ኅᐸౝߢ㊀ⷞߔࠆ⚻ᷣ⊛ߥḰ஻㗄⋡⃻࿷ⴕߞߡ޿ࠆ⚻ᷣ⊛ߥḰ஻ߩߥ߆ߢ㊀ⷐߣ⠨߃ߡ޿ࠆ㗄⋡ࠍߺࠆߣ‫↵ޔ‬ᕈߢߪ‫ޔ‬‫⥄ޟ‬ಽ߇౉㒮ߒߚ႐วߩḰ஻‫ ߇ޠ‬48.7㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫⥄ޟ‬ಽ߇ਁ৻ߩ㓙ߩḰ஻‫ޠ‬
㧔46.7㧑㧕
‫ޔ‬‫⥄ޟ‬ಽ߿㈩஧⠪ߩ⠧ᓟ⾗㊄ߩḰ஻‫ޠ‬
㧔24.9㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᅚᕈߢߪ‫ޔ‬‫⥄ޟ‬ಽ߇౉㒮ߒߚ႐วߩḰ஻‫ ߇ޠ‬40.3㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬㈩஧⠪߇౉㒮ߒߚ႐วߩḰ஻‫ޠ‬
㧔35.3㧑㧕‫ޔ‬‫ޟ‬㈩஧⠪߇ਁ৻ߩ㓙ߩḰ஻‫ޠ‬
㧔31.2㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫↵ޔ‬ᅚߣ߽ᐔᚑ㧤ᐕએ㒠ᷫዋ௑ะߦ޽ߞߚ‫⥄ޟ‬ಽ߇ਁ৻ߩ㓙ߩḰ஻‫↵߇ޠ‬ᕈߢߪჇടߦォߓߡ޿ࠆ‫ޕ‬࿑⴫Σ㧙 ኅᐸౝߢ㊀ⷞߔࠆ⚻ᷣ⊛ߥḰ஻㗄⋡ާᕈ೎ި㩷㩷

㧙5㧙

4㧚 ⑳⊛ߥ↢ᵴ଻㓚ߩḰ஻ߦኻߔࠆ⠨߃ᣇ
⑳⊛ߥ↢ᵴ଻㓚ߩḰ஻ࠍ‫⃻ޔ‬࿷ߩ↢ᵴࠍಾࠅߟ߼ߡ߽ⴕ߁ᔅⷐ߇޽ࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫↢ޟ‬ᵴࠍಾࠅߟ߼ߡ߽⑳⊛Ḱ஻ᔅⷐ‫ ߪޠ‬64.8㧑‫ޔ‬‫↢ޟ‬ᵴࠍಾࠅߟ߼ߡ߹ߢ⑳⊛Ḱ஻ਇⷐ‫ ߪޠ‬29.1㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ߆ߞߚ‫ޕ‬࿑⴫Σ㧙 ⑳⊛ߥ↢ᵴ଻㓚ߩḰ஻ߦኻߔࠆ⠨߃ᣇ㩷㩷

㧙6㧙

第Ⅱ章ක≮଻㓚㩷
医療保障
╙㪠㪠┨
1㧚 ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ᗧ⼂(1) ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩ᦭ή⥄ಽ⥄り߇ࠤࠟ߿∛᳇ࠍߔࠆߎߣߦߟ޿ߡߩਇ቟ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߪޠ‬89.0㧑‫ޔ‬ౝ⸶ߣߒߡߪ̌ਇ቟ࠍᗵߓࠆ̍ߣ̌ዋߒਇ቟ࠍᗵߓࠆ̍߇ߘࠇߙࠇ 3 ഀࠍ⿥߃‫ޔ‬̌㕖Ᏹߦਇ቟ࠍᗵߓࠆ̍
ߪ⚂ 2 ഀߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬‫ޟ‬ਇ቟ᗵߥߒ‫ ߪޠ‬10.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߇ޠ‬1.7 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩ᦭ή㩷㩷(2) ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩౝኈ
‫ޟ‬ਇ቟ᗵ޽ࠅ‫ߣޠ‬࿁╵ߒߚੱߩౕ૕⊛ߥਇ቟ߩౝኈࠍߺࠆߣ‫ޔ‬‫ޟ‬㐳ᦼߩ౉㒮ߢක≮⾌߇߆ߐ߻‫߇ޠ‬57.9㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬ኅᣖߦ⡺૕⊛࡮♖␹⊛⽶ᜂࠍ߆ߌࠆ‫ޠ‬
㧔46.9㧑㧕
‫ޔ‬‫⊛౏ޟ‬ක≮଻㒾߇޽ߡߦߥ
ࠄߥ޿‫ޠ‬
㧔39.6㧑㧕
‫ޔ‬‫ޟ‬ਇᘦߩ੐᡿ߦ޽߁‫ޠ‬
㧔39.2㧑㧕
‫ޔ‬‫ޟ‬ਃᄢ∔∛ߦ߆߆ࠆ‫ޠ‬
㧔38.6㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⊛౏ޟ‬ක≮଻㒾߇޽ߡߦߥࠄߥ޿‫ޠ‬‫ޔ‬‫ޟ‬ਇᘦߩ੐᡿ߦ޽߁‫ޠ‬‫ޔ‬‫ޟ‬ਃᄢ∔∛ߦ߆߆ࠆ‫ޠ‬╬ߢჇടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ࠤࠟ߿∛᳇ߦኻߔࠆਇ቟ߩౝኈ㩷㩷
㧙7㧙

2㧚 ㆊ෰㧡ᐕ㑆ߩ౉㒮⚻㛎(1) ⋥ㄭߩ౉㒮ߩᤨᦼㆊ෰㧡ᐕ㑆ߩ⥄ಽ⥄りߩࠤࠟ߿∛᳇ߦࠃࠆ‫౉ޟ‬㒮⚻㛎޽ࠅ‫ߩޠ‬ഀวߪ 14.4㧑ߣߥߞߡ޿ࠆ‫ޕ‬‫౉ޟ‬㒮⚻㛎޽ࠅ‫ᦨ⇟৻ޔߩੱߚߒߣޠ‬ㄭߩ౉㒮ߩᤨᦼߪ‫ޔ‬‫ޟ‬㧝ᐕએౝ‫ ߇ޠ‬35.3㧑‫ޔ‬‫ޟ‬㧝ᐕ⿥㨪㧟ᐕએౝ‫߇ޠ‬
33.0㧑‫ޔ‬‫ޟ‬㧟ᐕ⿥㨪㧡ᐕએౝ‫ ߇ޠ‬30.0㧑ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ⋥ㄭߩ౉㒮ߩᤨᦼ㩷(2) ⋥ㄭߩ౉㒮ᤨߩ౉㒮ᣣᢙ౉㒮⚻㛎߇޽ࠆੱߩ‫⋥ޔ‬ㄭߩ౉㒮ߦ߅ߌࠆ౉㒮ᣣᢙߪ‫ޔ‬ᐔဋߢ 22.9 ᣣߣߥߞߡ޿ࠆ‫౉ޕ‬㒮ᣣᢙߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬15㨪30 ᣣ‫ ߇ޠ‬24.3㧑‫ޔ‬‫ޟ‬㧤㨪14 ᣣ‫ ߇ޠ‬23.9㧑ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ⋥ㄭߩ౉㒮ᤨߩ౉㒮ᣣᢙ㩷㩷

㧙8㧙

(3) ⋥ㄭߩ౉㒮ᤨߩ⥄Ꮖ⽶ᜂ⾌↪
౉㒮⚻㛎߇޽ࠆੱߩ⋥ㄭߩ౉㒮ᤨߩ⥄Ꮖ⽶ᜂ⾌↪㧖ߩᐔဋߪ 30.1 ਁ౞ߣߥߞߡ޿ࠆ‫ߩ↪⾌ޕ‬ಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬10㨪20 ਁ౞ᧂḩ‫ ߇ޠ‬28.3㧑‫ޔ‬‫ޟ‬㧡㨪10 ਁ౞ᧂḩ‫ ߇ޠ‬17.2㧑‫ޔ‬‫ޟ‬30㨪50 ਁ౞ᧂḩ‫ ߇ޠ‬16.3㧑
ߣߥߞߡ޿ࠆ‫ޕ‬㧖ᴦ≮⾌࡮㘩੐ઍ࡮Ꮕ㗵ࡌ࠶࠼ઍࠍ฽߻‫ޔ‬㜞㗵≮㙃⾌೙ᐲߦࠃࠆᛄ޿ᚯߒ೨ߩ㊄㗵࿑⴫Τ㧙 ⋥ㄭߩ౉㒮ᤨߩ⥄Ꮖ⽶ᜂ⾌↪㩷㩷⥄Ꮖ⽶ᜂ⾌↪ߩ✚㗵ࠍ౉㒮ᣣᢙߢ㒰ߒߚ㧝ᣣ޽ߚࠅߩ⥄Ꮖ⽶ᜂ⾌↪㧖ߪ‫ޔ‬ᐔဋߢ 20,100 ౞ߣߥߞߡ
޿ࠆ‫ߩ↪⾌ޕ‬ಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬10,000㨪15,000 ౞ᧂḩ‫ ߇ޠ‬28.0㧑ߣᦨ߽㜞ߊߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬‫ޟ‬25,000౞એ਄‫ߩޠ‬ጀ߽ 23.2㧑ߣ㜞ߊߥߞߡ޿ࠆ‫ޕ‬㧖ࠨࡦࡊ࡞ߏߣߦ▚಴ߒߚ߽ߩߩᐔဋ୯ߢ‫⥄ޔ‬Ꮖ⽶ᜂ⾌↪ࠍᡰᛄߞߚੱࠍኻ⽎ߦ▚಴࿑⴫Τ㧙 ⋥ㄭߩ౉㒮ᤨߩ㧝ᣣ޽ߚࠅߩ⥄Ꮖ⽶ᜂ⾌↪㩷㩷㧙9㧙3㧚 ౏⊛ක≮଻㒾ߦኻߔࠆᗧ⼂(1) ౏⊛ක≮଻㒾ߦኻߔࠆ⹺⍮౏⊛ක≮଻㒾ߦߟ޿ߡ⹺⍮ߒߡ޿ࠆ㗄⋡ࠍߺࠆߣ‫⹺߽ᦨޔ‬⍮ߐࠇߡ޿ߚ㗄⋡ߪ‫ޟ‬70 ᱦએ਄ߩ㜞ᚲᓧ⠪ߩ⥄Ꮖ⽶ᜂഀวߪ㧟ഀߦᒁ߈਄ߍ‫ ߢޠ‬53.5㧑‫ޔ‬એਅ‫ޟ‬㜞㗵≮㙃⾌ߩ⥄Ꮖ⽶ᜂ㒢ᐲ㗵ߩᒁ߈਄ߍ‫ޠ‬
㧔51.4㧑㧕
‫ޔ‬‫౉ޟ‬㒮ᤨߩ㘩੐⾌↪ߩ৻ㇱߪ⥄Ꮖ⽶ᜂ‫ޠ‬㧔47.9㧑㧕
‫ޔ‬‫ޟ‬㜞㗵≮㙃⾌ߩㆶઃ‫ޠ‬
㧔43.8㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ౏⊛ක≮଻㒾ߦኻߔࠆ⹺⍮㩷㩷(2) ౏⊛ක≮଻㒾ߦኻߔࠆ⠨߃ᣇ⥄ಽߩක≮⾌ࠍ౏⊛ක≮଻㒾ߛߌߢ߹߆ߥ߃ࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫ߣࠆ߃ߥ߆߹ޟ‬ᕁ߁‫ߪޠ‬30.1㧑‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ ߪޠ‬65.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ߩޠ‬Ⴧട௑ะ߇⛯޿ߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ౏⊛ක≮଻㒾ߦኻߔࠆ⠨߃ᣇ㩷㩷
㧙10㧙

(3) ౏⊛ක≮଻㒾ߦኻߔࠆ⹏ଔ
Ԙ౏⊛ක≮଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ
଻㒾ᢱߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬቟޿ߣᕁ߁‫ ߪޠ‬10.9㧑‫ޔ‬‫ޟ‬㜞޿ߣᕁ߁‫ ߪޠ‬77.7㧑ߣ‫ޔ‬㧤ഀᒙ߇㜞޿ߣ⹏ଔߒߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ߆ߞߚ‫ޕ‬࿑⴫Τ㧙 ౏⊛ක≮଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ㩷㩷ԙ౏⊛ක≮଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ
⛎ઃౝኈߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬లታ‫ ߪޠ‬21.8㧑‫ޔ‬‫ޟ‬㕖లታ‫ ߪޠ‬57.8㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬㕖లታ‫ ߇ޠ‬3.5 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ౏⊛ක≮଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ㩷

㩷

㧙11㧙

(4) ක≮଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆
ࠤࠟ߿∛᳇ߦࠃࠆᴦ≮߿౉㒮ߦኻߔࠆḰ஻ߦኻߒߡ‫଻⊛౏ޔ‬㓚ߩలታࠍᔒะߒߡ޿ࠆߩ߆‫⥄ޔ‬ഥദജߢߩḰ஻ࠍᔒะߒߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫଻⊛౏ޟ‬㓚లታᔒะ‫ ߪޠ‬39.0㧑‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߪޠ‬51.8㧑
ߣߥࠅ‫⥄ޔ‬ഥദജߦࠃࠆḰ஻ࠍᔒะߔࠆ⠨߃ᣇ߇਄࿁ߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߇ޠ‬3.1 ࡐࠗࡦ࠻Ⴧടߒㆊඨᢙࠍභ߼ࠆ⚿ᨐߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ක≮଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆㩷㩷

4㧚 ක≮଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫක≮଻㓚ߦኻߔࠆ⚻ᷣ⊛ߥḰ஻⁁ᴫࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ߒߡ޿ࠆ‫ ߪޠ‬82.0㧑‫ޔ‬‫ޟ‬Ḱ஻ߒߡ޿ߥ޿‫ߪޠ‬
16.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬ౕ૕⊛ߥḰ஻ᚻᲑࠍߺࠆߣ‫ޔ‬‫↢ޟ‬๮଻㒾‫߽ᦨ߇ޠ‬㜞ߊ 70.3㧑‫ޔ‬એਅ‫ޟ‬㗍⾂㊄‫ޠ‬㧔37.7㧑㧕
‫ޔ‬‫៊ޟ‬ኂ଻㒾‫ޠ‬
㧔24.8㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ߒߡ޿ࠆ‫ ߪޠ‬2.7 ࡐࠗࡦ࠻Ⴧടߒߡ߅ࠅ‫ౕޔ‬૕⊛ߥḰ஻ᚻᲑߣߒߡߪ‫ޔ‬‫↢ޟ‬๮଻㒾‫ޠ‬‫ޔ‬‫៊ޟ‬ኂ଻㒾‫ ࠇߙࠇߘ߇ޠ‬2.3 ࡐࠗࡦ࠻‫ޔ‬3.0 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ක≮଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ㩷

㩷

㧙12㧙

5㧚 ක≮଻㓚ߣߒߡߩ↢๮଻㒾(1) ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸Ԙ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸㧔ో↢଻㧕᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ↢๮଻㒾㧔୘ੱᐕ㊄଻㒾߿↢๮౒ᷣࠍ฽߻㧕ߩ߁ߜ‫౉∛∔ޔ‬㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ߩട౉₸ߪ‫ޔ‬71.3㧑ߣߥߞߡ޿
ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫౉∛∔ޟ‬㒮⛎ઃ㊄߇ᡰᛄࠊࠇࠆ↢๮଻㒾ߦട౉‫ߪޠ‬೨࿁⺞ᩏ߆ࠄ 2.0 ࡐࠗࡦ࠻Ⴧട
ߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ∔∛౉㒮⛎ઃ㊄ߩ᦭ή

㩷

㧙13㧙

ԙ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ട౉₸㧔᳃଻㧕᳃㑆ߩ↢๮଻㒾߅ࠃ߮୘ੱᐕ㊄଻㒾ട౉⠪ߦ㒢ቯߒߡ∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ߩട౉₸ࠍߺࠆߣ‫ޔ‬87.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ߆ߞߚ‫ޕ‬࿑⴫Τ㧙 ᳃଻ߩ∔∛౉㒮⛎ઃ㊄ߩ᦭ή㩷㩷Ԛࠟࡦ଻㒾࡮ࠟࡦ․⚂ߩട౉₸᳃㑆ߩ↢๮଻㒾ળ␠߿ JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆࠟࡦ଻㒾࡮ࠟࡦ․⚂ߩട౉₸ߪ‫ޔ‬31.2㧑ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬᳃଻ߪ 27.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ ߇଻↢ోޔ‬5.9 ࡐࠗࡦ࠻‫ޔ‬᳃଻߇ 4.9 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ࠟࡦ଻㒾࡮ࠟࡦ․⚂ߩട౉₸㩷

㩷

㧙14㧙

ԛ․ቯ∔∛଻㓚଻㒾࡮․ቯ∔∛଻㓚․⚂ߩട౉₸᳃㑆ߩ↢๮଻㒾ળ␠߿ JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ․ቯ∔∛଻㓚଻㒾࡮․ቯ∔∛଻㓚․⚂ߩട౉₸ߪ‫ޔ‬28.2㧑ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬᳃଻ߪ 24.8㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ ߇଻↢ోޔ‬3.7 ࡐࠗࡦ࠻‫ޔ‬᳃଻߇ 3.0 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ․ቯ∔∛଻㓚଻㒾࡮․ቯ∔∛଻㓚․⚂ߩട౉₸㩷

㩷

㧙15㧙

(2) ∔∛౉㒮⛎ઃ㊄ᣣ㗵Ԙ∔∛౉㒮⛎ઃ㊄ᣣ㗵㧔ో↢଻㧕‫౉∛∔ޟ‬㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ↢๮଻㒾ߦട౉‫౉∛∔ߩੱߚߒߣޠ‬㒮⛎ઃ㊄ᣣ㗵ߩᐔဋߪ‫↵ޔ‬ᕈߢ
11,800 ౞‫ޔ‬ᅚᕈߢ 9,000 ౞ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫↵ޔ‬ᕈߪ೨࿁߆ࠄ 1,300 ౞Ⴧടߒߡ߅ࠅ‫ޔ‬ᅚᕈ߽೨࿁߆ࠄ 800 ౞Ⴧടߒߡ޿ࠆ‫ޕ‬㊄㗵ߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬15,000 ౞એ਄‫ߩޠ‬ጀߪ‫↵ޔ‬ᕈߢ 27.5㧑‫ޔ‬ᅚᕈߢ 15.3㧑ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ∔∛౉㒮⛎ઃ㊄ᣣ㗵ާᕈ೎ި㩷

㩷

㧙16㧙

ԙ∔∛౉㒮⛎ઃ㊄ᣣ㗵㧔᳃଻㧕∔∛౉㒮⛎ઃ㊄ߩᡰᛄࠊࠇࠆ᳃㑆ߩ↢๮଻㒾ട౉⠪ߩ∔∛౉㒮⛎ઃ㊄ᣣ㗵ߩᐔဋߪ‫↵ޔ‬ᕈߢ 11,000౞‫ޔ‬ᅚᕈߢ 8,500 ౞ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߪ 1,500 ౞‫ޔ‬ᅚᕈߪ 1,200 ౞‫ࠇߙࠇߘޔ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ᳃଻ߩ∔∛౉㒮⛎ઃ㊄ᣣ㗵ާᕈ೎ި㩷㩷(3) ౉㒮⛎ઃ㊄ߩᏗᦸ㗵ࠤࠟ߿∛᳇ߦࠃࠆ౉㒮ᤨߩක≮⾌╬߳ߩ஻߃ߣߒߡ‫౉ޔ‬㒮⛎ઃ㊄ᣣ㗵ߩᏗᦸ㗵ࠍߺࠆߣ‫ޔ‬ᐔဋ㗵ߪ↵ᕈߢ 12,600 ౞‫ޔ‬ᅚᕈߢ 11,200 ౞ߣߥߞߡ޿ࠆ‫ޕ‬㊄㗵ߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬15,000 ౞એ਄‫ߩޠ‬ጀߩഀวߪ‫↵ޔ‬ᕈߢ 29.1㧑‫ޔ‬ᅚᕈߢ 20.1㧑ߣߥߞߡ޿ࠆ‫ޕ‬ട౉ߒߡ޿ࠆ∔∛౉㒮⛎ઃ㊄ᣣ㗵㧔16ࡍ࡯ࠫ㧕ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߢ 800 ౞‫ޔ‬ᅚᕈߢ 2,200 ౞ߩਇ⿷ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ౉㒮⛎ઃ㊄ߩᏗᦸ㗵ާᕈ೎ި㩷

㩷

㧙17㧙

6㧚 ක≮଻㓚ߦኻߔࠆల⿷ᗵ
ක≮଻㓚ߦኻߔࠆ⑳⊛Ḱ஻ߦ౏⊛଻㓚߿ડᬺ଻㓚ࠍട߃ߚ‫ޔ‬ක≮଻㓚ߦኻߔࠆల⿷ᗵࠍߺࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵ޽ࠅ‫ ߪޠ‬29.2㧑‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߪޠ‬62.7㧑ߣ‫ ⚂ޔ‬6 ഀ߇ਇ⿷ᗵࠍᗵߓߡ޿ࠆߣ޿߁⚿ᨐߦߥߞߡ޿ࠆ‫ޕ‬
೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߇ޠ‬3.0 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ක≮଻㓚ߦኻߔࠆల⿷ᗵ㩷㩷

7㧚 ක≮଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะක≮଻㓚ߦኻߔࠆ੹ᓟߩ⚻ᷣ⊛ߥḰ஻ᗧะࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߪޠ‬64.5㧑‫ޔ‬‫ޟ‬Ḱ஻ᗧะߥߒ‫ޠ‬
ߪ 29.3㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߇ޠ‬2.3 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ක≮଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ㩷

㩷

㧙18㧙

8㧚 ౉㒮⾌↪ࠍ߹߆ߥ߁ᚻᲑ⥄ಽ⥄りߩࠤࠟ߿∛᳇ߢ‫ޔ‬㧞㨪㧟ࡨ᦬ߩ౉㒮߇ᔅⷐߦߥߞߚ႐วߦ‫ࠄ߆ࠇߎޔ‬Ḱ஻ߔࠆ߽ߩ߽฽߼
ߡ‫ߥ߁ࠃߩߤޔ‬ᣇᴺߦࠃߞߡᴦ≮⾌߿↢ᵴ⾌ࠍ߹߆ߥ߅߁ߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫⊛౏ޟ‬ක≮଻㒾‫ޠ‬
߇ 73.8㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫↢ޟ‬๮଻㒾‫ޠ‬
㧔66.7㧑㧕
‫ޔ‬‫ޟ‬㗍⾂㊄‫ޠ‬
㧔48.9㧑㧕
‫ޔ‬‫ޟ‬ኅᣖߩ෼౉‫ޠ‬
㧔19.4㧑㧕‫ޔ‬‫៊ޟ‬ኂ଻㒾‫ޠ‬
㧔18.0㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢᲧセߔࠆߣ‫ޔ‬‫↢ޟ‬๮଻㒾‫߇ޠ‬ᐔᚑ 13 ᐕ߆ࠄჇട௑ะߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬೨࿁ߣߩᲧセߢߪ‫ޔ‬‫ޟ‬㗍⾂㊄‫ ߇ޠ‬2.4 ࡐࠗࡦ࠻‫ޔ‬‫ޟ‬ኅᣖߩ෼౉‫ ߇ޠ‬5.2 ࡐࠗࡦ࠻ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Τ㧙 ౉㒮⾌↪ࠍ߹߆ߥ߁ᚻᲑ㩷

㩷

㧙19㧙

第Ⅲ章⠧ᓟ଻㓚㩷
老後保障╙㪠㪠㪠┨
1㧚 ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ᗧ⼂(1) ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή⥄ಽ⥄りߩ⠧ᓟ↢ᵴߦߟ޿ߡߩਇ቟ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߪޠ‬84.6㧑‫ޔ‬‫ޟ‬ਇ቟ᗵߥߒ‫ߪޠ‬
12.2㧑ߣ‫ޔ‬8 ഀએ਄ߩੱ߇⠧ᓟ↢ᵴߦኻߔࠆਇ቟ࠍᛴ߃ߡ޿ࠆ⚿ᨐߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ߡߒ⽾৻ߪޠ‬Ⴧട௑ะߦ޽ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή㩷㩷(2) ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩౝኈ
‫ޟ‬ਇ቟ᗵ޽ࠅ‫ߣޠ‬࿁╵ߒߚੱߩౕ૕⊛ߥਇ቟ߩౝኈࠍߺࠆߣ‫⊛౏ޟޔ‬ᐕ㊄߇޽ߡߦߥࠄߥ޿‫߇ޠ‬81.8㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬ᣣᏱ↢ᵴߦᡰ㓚߇಴ࠆ‫ޠ‬㧔48.4㧑㧕‫⥄ޟޔ‬ഥദജߦࠃࠆḰ஻߇ਇ⿷ߔࠆ‫ޠ‬
㧔40.7㧑㧕
‫ޔ‬‫ޟ‬ㅌ⡯㊄߿ડᬺᐕ㊄߇޽ߡߦߥࠄߥ޿‫ޠ‬
㧔34.8㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫⊛౏ޟ‬ᐕ㊄߇޽ߡߦߥࠄߥ޿‫߇ޠ‬೨࿁㧔79.2㧑㧕ࠃࠅ 2.6 ࡐࠗࡦ࠻Ⴧടߒ‫ޔ‬‫઀ޟ‬੐߇⏕଻ߢ߈ߥ޿‫ޠ‬‫ޔ‬‫ߩ╬⫾⾂ޟ‬Ḱ஻⾗㊄߇⋡ᷫࠅߔࠆ‫߇ޠ‬ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ↢ᵴߦኻߔࠆਇ቟ߩౝኈ㩷

㩷

㧙20㧙

2㧚 ⠧ᓟ↢ᵴߦኻߔࠆᗧ⼂(1) ⠧ᓟߩ↢ᵴ᳓Ḱ⥄ಽߩ⠧ᓟ↢ᵴ߇ߘࠇ߹ߢߩ↢ᵴߣᲧセߒߡ⚻ᷣ⊛ߦߤߩࠃ߁ߦᄌൻߔࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆ
ߣ‫ޔ‬‫↢޿ߒ߹ߟߟޟ‬ᵴ‫ ߇ޠ‬66.7㧑‫ޔ‬‫ޟ‬หߓ⒟ᐲߩ↢ᵴ‫ ߇ޠ‬19.9㧑‫ޔ‬‫⚻ޟ‬ᷣ⊛ߦ⼾߆ߥ↢ᵴ‫ ߇ޠ‬2.9㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᐔᚑ㧡ᐕએ㒠‫↢޿ߒ߹ߟߟޟ‬ᵴ‫߇ޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟߩ↢ᵴ᳓Ḱ㩷

㩷

㧙21㧙

(2) ⠧ᓟߩᦨૐᣣᏱ↢ᵴ⾌ᄦᇚ㧞ੱߢ⠧ᓟ↢ᵴࠍㅍࠆ਄ߢᔅⷐߣᕁࠊࠇࠆᦨૐᣣᏱ↢ᵴ⾌ࠍߺࠆߣ‫ޔ‬ᐔဋ㗵ߪ᦬㗵ߢ 23.2 ਁ౞ߣ೨࿁ࠃࠅ 1.0 ਁ౞ᷫዋߒߡ޿ࠆ‫ޕ‬ಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬25 ਁ౞એ਄㧔̌25㨪35 ਁ౞ᧂḩ̍‫ޔ‬̌30㨪40 ਁ౞ᧂḩ̍‫ޔ‬
̌40 ਁ౞એ਄̍ߩว⸘㧕‫ޠ‬ߩഀวߪ 37.6㧑ߣ೨࿁㧔43.6㧑㧕ࠃࠅ 6.0 ࡐࠗࡦ࠻ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟߩᦨૐᣣᏱ↢ᵴ⾌㩷

㩷

㧙22㧙

(3) ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵⚻ᷣ⊛ߦࠁߣࠅߩ޽ࠆ⠧ᓟ↢ᵴࠍㅍࠆߚ߼ߩ⾌↪ߣߒߡ‫ޔ‬⠧ᓟߩᦨૐᣣᏱ↢ᵴ⾌એᄖߦᔅⷐߣ⠨߃
ࠆ㊄㗵ߩᐔဋߪ᦬㗵ߢ 15.1 ਁ౞ߣߥࠅ‫ޔ‬೨࿁ࠃࠅ 1.4 ਁ౞Ⴧടߒߡ޿ࠆ‫ޕ‬㊄㗵ߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬30 ਁ౞એ਄‫ߩޠ‬ഀวߪ 13.2㧑ߣ೨࿁㧔9.8㧑㧕ࠃࠅ 3.4 ࡐࠗࡦ࠻Ⴧടߒ‫ޔ‬‫ޟ‬10ਁ౞ᧂḩ‫ޠ‬‫ޔ‬‫ޟ‬10㨪15 ਁ౞ᧂḩ‫ߩޠ‬ഀว߇ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵㩷

㩷

㧙23㧙

(4) ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵ߩ૶ㅜ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵ࠍ‫ౕޔ‬૕⊛ߦߪߤߩࠃ߁ߥߎߣߦ૶ߞߡ޿߈ߚ޿ߣ⠨߃ߡ޿ࠆ߆ࠍ
ߺࠆߣ‫ޔ‬‫ޟ‬ᣏⴕ߿࡟ࠫࡖ࡯‫ ߇ޠ‬66.3㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫⿰ޟ‬๧߿ᢎ㙃‫ޠ‬
㧔56.9㧑㧕‫ޔ‬‫ޟ‬りౝߣߩߟ߈޽޿‫ޠ‬
㧔49.2㧑㧕
‫ޔ‬‫ޟ‬ᣣᏱ↢ᵴ⾌ߩలታ‫ޠ‬
㧔45.7㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ޟ‬ᣣᏱ↢ᵴ⾌ߩలታ‫ޠ‬‫ޔ‬‫ޟ‬⠴ਭᶖ⾌⽷ߩ⾈޿ᦧ߃‫߇ޠ‬ᐔᚑ㧡ᐕએ㒠Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵ߩ૶ㅜ㩷㩷(5) ࠁߣࠅ޽ࠆ⠧ᓟ↢ᵴ⾌‫ޟ‬⠧ᓟߩᦨૐᣣᏱ↢ᵴ⾌‫ޟߣޠ‬⠧ᓟߩࠁߣࠅߩߚ߼ߩ਄ਸ਼ߖ㗵‫ࠍޠ‬ว⸘ߒߚ‫ࠆ޽ࠅߣࠁޟ‬⠧ᓟ↢ᵴ⾌‫ޠ‬㧖ߪ᦬㗵ߢᐔဋ 38.3 ਁ౞ߣߥߞߡ޿ࠆ‫ޕ‬㧖ࠨࡦࡊ࡞ߏߣߦว⸘ߒߚ୯ߩᐔဋ୯
࿑⴫Υ㧙 ࠁߣࠅ޽ࠆ⠧ᓟ↢ᵴ⾌㩷㩷㧙24㧙

3㧚 ౏⊛ᐕ㊄ߦኻߔࠆᗧ⼂(1) ౏⊛ᐕ㊄ߦኻߔࠆ⹺⍮౏⊛ᐕ㊄ߦߟ޿ߡ⹺⍮ߒߡ޿ࠆ㗄⋡ࠍߺࠆߣ‫ޔ‬‫ޟ‬࿖᳃ᐕ㊄ߪ 20 ᱦએ਄߇ోຬട౉‫ ߇ޠ‬85.4㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬ෘ↢ᐕ㊄ߩᡰ⛎߇ 65 ᱦߦ⒖ⴕߔࠆ‫ޠ‬
㧔75.0㧑㧕
‫ޔ‬‫ޟ‬ෘ↢ᐕ㊄ߩ଻㒾ᢱߪ෼౉ߦᔕߓߡ᳿߹
ࠆ‫ޠ‬
㧔70.5㧑㧕ߣߥߞߡ޿ࠆ‫੹ޔߚ߹ޕ‬࿁߆ࠄᣂߚߦ዆ߨߚ‫ޟ‬㔌ᇕᤨߦ⠧㦂ෘ↢ᐕ㊄ߩಽഀ೙ᐲࠍዉ౉‫ޠ‬
ߪ 52.1㧑ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ౏⊛ᐕ㊄ߦኻߔࠆ⹺⍮㩷

㩷

㧙25㧙

(2) ౏⊛ᐕ㊄ߦኻߔࠆ⠨߃ᣇ⥄ಽߩ⠧ᓟߩᣣᏱ↢ᵴ⾌ࠍ౏⊛ᐕ㊄ߢ߹߆ߥ߃ࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫ߣࠆ߃ߥ߆߹ޟ‬ᕁ߁‫ޠ‬
ߪ 14.4㧑‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ ߪޠ‬82.3㧑ߣߪߓ߼ߡ㧤ഀࠍ⿥߃ࠆ᳓Ḱߦ㆐ߒߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫߇ޠ‬೨࿁ࠃࠅ 2.8 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ౏⊛ᐕ㊄ߦኻߔࠆ⠨߃ᣇ㩷㩷(3) ౏⊛ᐕ㊄ߦኻߔࠆ⹏ଔ
Ԙ౏⊛ᐕ㊄ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ
଻㒾ᢱߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬቟޿ߣᕁ߁‫ ߩޠ‬11.6㧑ߦኻߒ‫ޔ‬‫ޟ‬㜞޿ߣᕁ߁‫ ߪޠ‬76.0㧑ߣᄢ᏷ߦ਄
࿁ߞߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ౏⊛ᐕ㊄ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ㩷

㩷

㧙26㧙

ԙ౏⊛ᐕ㊄ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ
⛎ઃౝኈߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬లታ‫ ߪޠ‬11.2㧑‫ޔ‬‫ޟ‬㕖లታ‫ ߪޠ‬70.1㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬㕖లታ‫ ߇ޠ‬5.2 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ౏⊛ᐕ㊄ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ㩷㩷(4) ⠧ᓟ଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆⥄ಽ⥄りߩ⠧ᓟߩ஻߃ߦߟ޿ߡ‫଻⊛౏ޔ‬㓚ߩలታࠍᔒะߒߡ޿ࠆߩ߆‫⥄ޔ‬ഥദജߢߩḰ஻ࠍᔒะߒ
ߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫଻⊛౏ޟ‬㓚లታᔒะ‫ ߪޠ‬33.1㧑‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߪޠ‬57.2㧑ߣߥࠅ‫ޔ‬ඨᢙએ਄߇
‫⥄ޟ‬ഥദജᔒะ‫⚿߁޿ߣޠ‬ᨐߦߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߇ޠ‬3.2 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆

㩷

㧙27㧙

4㧚 ⠧ᓟ଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ⠧ᓟ↢ᵴߩߚ߼ߩ⚻ᷣ⊛Ḱ஻⁁ᴫࠍߺࠆߣ‫ޟޔ‬Ḱ஻ߒߡ޿ࠆ‫ ߪޠ‬59.4㧑‫ޟޔ‬Ḱ஻ߒߡ޿ߥ޿‫ߪޠ‬38.3㧑ߣߥߞߡ޿ࠆ‫ౕޕ‬૕⊛ߥḰ஻ᚻᲑߢߪ‫ޟޔ‬୘ੱᐕ㊄଻㒾࡮ᄌ㗵୘ੱᐕ㊄଻㒾߿↢๮଻㒾‫߇ޠ‬
41.0㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬㗍⾂㊄‫ޠ‬㧔40.1㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ߆ߞߚ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ㩷㩷5㧚 ⠧ᓟ⾗㊄ߩ૶↪㐿ᆎᐕ㦂
⑳⊛ߦḰ஻ߒߚ⠧ᓟ⾗㊄ࠍ޿ߟ㗃߆ࠄ૶޿ᆎ߼ࠆߩ߆ࠍߺࠆߣ‫ޔ‬⠧ᓟ⾗㊄ߩ૶↪㐿ᆎᐕ㦂ߪᐔဋߢ
64.0 ᱦߣߥߞߡ޿ࠆ‫ޕ‬ᐕ㦂ߩಽᏓࠍߺࠆߣ‫ޔ‬‫ޟ‬65 ᱦ‫ ߇ޠ‬32.5㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬60 ᱦ‫ޠ‬
㧔24.8㧑㧕
‫ޔ‬‫ޟ‬70 ᱦ‫ޠ‬
㧔12.4㧑㧕
ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ⾗㊄ߩ૶↪㐿ᆎᐕ㦂㩷

㩷

㧙28㧙

6㧚 ⠧ᓟ଻㓚ߣߒߡߩ୘ੱᐕ㊄଻㒾(1) ୘ੱᐕ㊄଻㒾ട౉₸㧔ో↢଻㧕᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ୘ੱᐕ㊄଻㒾߿ᐕ㊄౒ᷣߩട౉₸ߪో૕ߢ 21.0㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᕈ೎ߢߺࠆߣ‫↵ޔ‬ᕈ߇ 21.6㧑‫ޔ‬ᅚᕈ߇ 20.6㧑ߣߥߞߡ޿
ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬୘ੱᐕ㊄଻㒾ട౉₸ߪᐔᚑ㧤ᐕએ㒠ᷫዋࠍ⛯ߌߡ޿ߚ߇‫੹ޔ‬࿁ߪో૕ߢ 3.7 ࡐࠗࡦ࠻ߩჇടߦォߓߡ޿ࠆ‫ޔߚ߹ޕ‬ᕈ೎ߦߺࠆߣ‫↵ޔ‬ᕈߢ 4.5 ࡐࠗࡦ࠻ߩჇടߣᅚᕈ㧔3.2 ࡐࠗࡦ࠻Ⴧ㧕ߦᲧߴჇട᏷߇ᄢ߈ߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ୘ੱᐕ㊄଻㒾ട౉₸㧔ో↢଻㧕㩷㩷(2) ୘ੱᐕ㊄଻㒾ട౉₸㧔᳃଻㧕ᰴߦ᳃㑆ߩ↢๮଻㒾ળ␠ߢขࠅᛒߞߡ޿ࠆ୘ੱᐕ㊄଻㒾ߩട౉₸ࠍߺࠆߣ‫ోޔ‬૕ߢ 13.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᕈ೎ߢߺࠆߣ‫↵ޔ‬ᕈ߇ 14.2㧑‫ޔ‬ᅚᕈ߇ 12.3㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬᳃଻ߩ୘ੱᐕ㊄଻㒾ട౉₸ߪᐔᚑ㧤ᐕએ㒠ᷫዋࠍ⛯ߌߡ޿ߚ߇‫੹ޔ‬࿁ߪో૕ߢ 1.9
ࡐࠗࡦ࠻ߩჇടߦォߓߡ޿ࠆ‫ޔߚ߹ޕ‬ᕈ೎ߦߺࠆߣ‫↵ޔ‬ᕈߢ 2.7 ࡐࠗࡦ࠻ߩჇടߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ୘ੱᐕ㊄଻㒾ട౉₸㧔᳃଻㧕㩷

㩷

㧙29㧙

7㧚 ⠧ᓟ଻㓚ߦኻߔࠆల⿷ᗵ
⠧ᓟߩߚ߼ߩ⑳⊛ߥ⚻ᷣ⊛Ḱ஻ߦ౏⊛଻㓚߿ડᬺ଻㓚ࠍട߃ߚ⠧ᓟ⾗㊄ߩల⿷ᗵࠍߺࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵ޽ࠅ‫ ߪޠ‬13.9㧑‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߪޠ‬76.5㧑ߣ‫ޔ‬㧠ੱߦ㧟ੱએ਄߇‫ޟ‬ల⿷ᗵߥߒ‫ߣޠ‬⠨߃ߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߇ޠ‬3.8 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ଻㓚ߦኻߔࠆల⿷ᗵ㩷8㧚 ⠧ᓟ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ⠧ᓟ↢ᵴߦኻߔࠆ੹ᓟߩ⚻ᷣ⊛ߥḰ஻ᗧะࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߪޠ‬70.8㧑‫ޔ‬‫ޟ‬Ḱ஻ᗧะߥߒ‫ޠ‬
ߪ 22.4㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะߥߒ‫ ߇ޠ‬2.3 ࡐࠗࡦ࠻ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ㩷

㩷

㧙30㧙

9㧚 ⠧ᓟߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ
⠧ᓟߩ↢ᵴ⾗㊄ߦߟ޿ߡ‫ࠄ߆ࠇߎޔ‬Ḱ஻ߔࠆ߽ߩ߽฽߼ߡߤߩࠃ߁ߥᚻᲑߢ߹߆ߥ߅߁ߣ⠨߃ߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫⊛౏ޟ‬ᐕ㊄‫ ߇ޠ‬86.2㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬㗍⾂㊄‫ޠ‬㧔64.6㧑㧕
‫ޔ‬‫ޟ‬ડᬺᐕ㊄࡮ㅌ⡯㊄‫ޠ‬㧔38.6㧑㧕
‫ޔ‬‫ޟ‬୘ੱᐕ㊄଻㒾‫ޠ‬
㧔33.9㧑㧕ߣߥߞߡ޿ࠆ‫੹ޔ߅ߥޕ‬࿁⺞ᩏࠃࠅᣂ⸳ߒߚ‫ޟ‬ᄌ㗵୘ੱᐕ㊄଻㒾‫ ߪޠ‬9.0㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⊛౏ޟ‬ᐕ㊄‫ޠ‬‫ޔ‬‫ޟ‬ડᬺᐕ㊄࡮ㅌ⡯㊄‫ޠ‬‫ޔ‬‫ޟ‬୘ੱᐕ㊄଻㒾‫߽ࠇߕ޿ߩޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Υ㧙 ⠧ᓟߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ㩷

㩷

㧙31㧙

第Ⅳ章 死亡保障╙㪠㪭┨ᱫ੢଻㓚㩷1㧚 ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ᗧ⼂(1) ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή⥄ಽ⥄りߦਁ৻ߩߎߣ߇޽ߞߚ႐วߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ߪޠ‬67.5㧑‫ޔ‬‫ޟ‬ਇ቟ᗵߥߒ‫ ߪޠ‬27.7㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߇ޠ‬3.1 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩ᦭ή㩷㩷(2) ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩౝኈ
‫ޟ‬ਇ቟ᗵ޽ࠅ‫ౕߩੱߚߒߣޠ‬૕⊛ߥਇ቟ߩౝኈࠍߺࠆߣ‫ޟޔ‬ㆮᣖߩᣣᏱ↢ᵴ⾗㊄߇ਇ⿷ߔࠆ‫߇ޠ‬45.9㧑ߣᦨ߽㜞ߊߥߞߡ޿ࠆ‫ޟߡ޿⛯ޕ‬ㆮᣖᐕ㊄╬ߩ౏⊛଻㓚߇޽ߡߦߥࠄߥ޿‫߽ޠ‬㧠ഀࠍ⿥߃ߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ㆮᣖߩᣣᏱ↢ᵴ⾗㊄߇ਇ⿷ߔࠆ‫ޠ‬‫ޔ‬‫ޟ‬ㆮᣖᐕ㊄╬ߩ౏⊛଻㓚߇޽ߡߦߥࠄߥ޿‫ޠ‬‫ޔ‬‫ޟ‬ሶߤ߽ߩᢎ⢒⾗㊄߇ਇ⿷ߔࠆ‫ߢ╬ޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟ߩౝኈ

㩷

㧙32㧙

2㧚 ౏⊛ᱫ੢଻㓚ߦኻߔࠆᗧ⼂(1) ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⹺⍮౏⊛ᱫ੢଻㓚ߦߟ޿ߡ⹺⍮ߒߡ޿ࠆ㗄⋡ࠍߺࠆߣ‫⹺߽ᦨޔ‬⍮ߐࠇߡ޿ߚ㗄⋡ߪ‫ޟ‬ㆮᣖၮ␆ᐕ㊄ߪሶ
߇ 18 ᱦߩᐕᐲᧃࠍㆊ߉ࠆߣᡰ⛎ߐࠇߥ޿‫ ߢޠ‬26.2㧑‫ޔ‬એਅ‫ޟ‬ㆮᣖෘ↢ᐕ㊄ߣ⠧㦂ෘ↢ᐕ㊄ߩฃ⛎ᮭ߇޽ࠆ႐วߪㆬᛯน⢻‫ޠ‬
㧔18.3㧑㧕
‫ޔ‬‫ޟ‬ㆮᣖၮ␆ᐕ㊄ߪሶߩߥ޿ᆄߦߪᡰ⛎ߐࠇߥ޿‫ޠ‬
㧔16.8㧑㧕‫ޔ‬‫ޟ‬ㆮᣖᐕ㊄ฃ⛎ਛߩሶߩ޽ࠆᆄ߇ౣᇕߒߚ႐วߪฃ⛎ᮭ༚ᄬ‫ޠ‬
㧔16.2㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⹺⍮㩷

㩷

㧙33㧙

(2) ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⠨߃ᣇ⥄ಽ߇ਁ৻ᱫ੢ߒߚ㓙ߩㆮᣖߩ↢ᵴ⾌ࠍ‫ߥ⊛౏ޔ‬ᱫ੢଻㓚೙ᐲߢ߹߆ߥ߃ࠆߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆ
ߣ‫ޔ‬‫ߣࠆ߃ߥ߆߹ޟ‬ᕁ߁‫ ߪޠ‬16.9㧑‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ ߪޠ‬72.9㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ߪ߁ߘߊߚߞ߹̌ߜ߁ߩޠ‬ᕁࠊߥ޿̍߇ᐔᚑ㧡ᐕએ㒠Ⴧടߒ⛯ߌߡ߅ࠅ‫߽ᦨޔ‬㜞ߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ౏⊛ᱫ੢଻㓚ߦኻߔࠆ⠨߃ᣇ㩷㩷(3) ౏⊛ᱫ੢଻㓚ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ
⛎ઃౝኈߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬లታ‫ ߪޠ‬7.2㧑‫ޔ‬‫ޟ‬㕖లታ‫ ߪޠ‬37.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ౏⊛ᱫ੢଻㓚ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ㩷

㩷

㧙34㧙

(4) ᱫ੢଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆
⥄ಽ߇ਁ৻ᱫ੢ߒߚ႐วߩḰ஻ߦኻߒߡ‫଻⊛౏ޔ‬㓚ߩలታࠍᔒะߒߡ޿ࠆߩ߆‫⥄ޔ‬ഥദജߢߩḰ஻ࠍᔒะߒߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫଻⊛౏ޟ‬㓚లታᔒะ‫ ߪޠ‬31.3㧑‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߪޠ‬53.9㧑ߣߥࠅ‫⥄ޔ‬ഥദജߦࠃࠆḰ஻ࠍᔒะߔࠆ⠨߃ᣇ߇ㆊඨᢙࠍභ߼ߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆㩷㩷

3㧚 ᱫ੢଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ⥄ಽ߇ਁ৻ᱫ੢ߒߚ႐วߩߚ߼ߩ⚻ᷣ⊛ߥḰ஻⁁ᴫࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ߒߡ޿ࠆ‫ ߪޠ‬72.4㧑‫ޔ‬‫ޟ‬Ḱ஻ߒ
ߡ޿ߥ޿‫ ߪޠ‬25.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ߆ߞߚ‫ޕ‬ౕ૕⊛ߥḰ஻ᚻᲑߣߒߡߪ‫ޔ‬‫↢ޟ‬๮଻㒾‫ ߇ޠ‬64.8㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬㗍⾂㊄‫ޠ‬㧔33.9㧑㧕
‫ޔ‬
‫៊ޟ‬ኂ
଻㒾‫ޠ‬
㧔14.2㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᐔᚑ㧤ᐕએ㒠ᷫዋ௑ะߦ޽ߞߚ‫↢ޟ‬๮଻㒾‫ޔ߿ޠ‬ᐔᚑ 10 ᐕએ㒠ᷫዋ௑ะߦ޽ߞ
ߚ‫ޟ‬㗍⾂㊄‫੹߇ޠ‬࿁Ⴧടߦォߓߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ㩷

㩷

㧙35㧙

4㧚 ᱫ੢଻㓚ߣߒߡߩ↢๮଻㒾(1) ↢๮଻㒾ട౉₸᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ↢๮଻㒾߿↢๮౒ᷣ㧔୘
ੱᐕ㊄଻㒾߿ࠣ࡞࡯ࡊ଻㒾‫⽷ޔ‬ᒻߪ㒰ߊ㧕ߩട౉₸㧔ⵍ଻㒾⠪ߣߥߞߡ޿ࠆഀว㧕ߪ‫↵ޔ‬ᕈߢ 80.8㧑‫ޔ‬ᅚᕈߢ 79.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᅚᕈߩో↢଻‫ޔ‬᳃଻ߢჇടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ↢๮଻㒾ട౉₸ާᕈ೎ި㩷

㩷

㧙36㧙

(2) ↢๮଻㒾ട౉㊄㗵Ԙ↢๮଻㒾ട౉㊄㗵㧔ో↢଻㧕᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ૗ࠄ߆ߩ↢๮଻㒾ߦട౉ߒߡ޿ࠆੱߩ‫∛ޔ‬᳇ߦࠃࠅ੢ߊߥߞߚ㓙ߦᡰᛄࠊࠇࠆ↢๮଻㒾ട౉㊄㗵㧔᥉ㅢᱫ੢଻㒾㊄㗵‫ߛߚޕ‬ߒ‫ޔ‬୘ੱᐕ㊄଻㒾ߩᱫ੢଻㓚ㇱಽ‫ޔ‬෸߮ࠣ࡞࡯ࡊ଻㒾‫⽷ޔ‬ᒻߪ㒰ߊ㧕ߩᐔဋߪ‫↵ޔ‬ᕈߢ 2,382 ਁ౞‫ޔ‬
ᅚᕈߢ 980 ਁ౞ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߩᐔဋ㗵ߪ 187 ਁ౞Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ↢๮଻㒾ട౉㊄㗵㧔ో↢଻㧕
ާᕈ೎ި㩷

㩷

㧙37㧙

ԙ↢๮଻㒾ട౉㊄㗵㧔᳃଻㧕‫ޟ‬᳃଻ߩ↢๮଻㒾‫ޠ‬ട౉⠪ߩ‫∛ޔ‬᳇ߦࠃࠅ੢ߊߥߞߚ㓙ߦ᳃଻ߩ↢๮଻㒾ߦࠃࠅᡰᛄࠊࠇࠆ↢๮଻
㒾㊄㗵ߩᐔဋߪ‫↵ޔ‬ᕈߢ 2,456 ਁ౞‫ޔ‬ᅚᕈߢ 1,025 ਁ౞ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫↵ޔ‬ᅚߣ߽ᄢ߈ߥᏅߪߺࠄࠇߥ޿‫ޕ‬࿑⴫Φ㧙 ↢๮଻㒾ട౉㊄㗵㧔᳃଻㧕
ާᕈ೎ި㩷

㩷

㩷

(3) ᱫ੢଻㒾㊄ߩᏗᦸ㗵⥄ಽ߇ਁ৻ᱫ੢ߒߚ႐วߩߚ߼ߩ⚻ᷣ⊛ߥḰ஻ߣߒߡߤߩߊࠄ޿ߩᱫ੢଻㒾㊄ࠍᏗᦸߔࠆ߆ࠍߚ
ߕߨߚߣߎࠈ‫ޔ‬ᐔဋ㗵ߪ↵ᕈߢ 3,895 ਁ౞‫ޔ‬ᅚᕈߢ 1,774 ਁ౞ߣߥߞߡ޿ࠆ‫ޕ‬ಽᏓࠍߺࠆߣ‫↵ޔ‬ᕈߢߪ‫ޟ‬5,000 ਁ౞એ਄‫ ߇ޠ‬28.1㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬3,000㨪5,000 ਁ౞ᧂḩ‫ޠ‬
㧔17.7㧑㧕߇⛯޿ߡ޿ࠆ‫ޔߚ߹ޕ‬ᅚᕈߢߪ‫ޟ‬1,000㨪1,500 ਁ౞ᧂḩ‫ ߇ޠ‬19.3㧑ߣᦨ߽㜞ߊߥߞߡ޿ࠆ‫ޕ‬ߥ߅‫ޔ‬ട౉ߒߡ޿ࠆ↢๮଻㒾ߩᱫ੢଻㒾㊄㗵㧔37ࡍ࡯ࠫ㧕ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߢ 1,513 ਁ౞‫ޔ‬ᅚᕈߢ 794 ਁ౞ߩਇ⿷ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢଻㒾㊄ߩᏗᦸ㗵ާᕈ೎ި㩷

㩷

㧙38㧙

5㧚 ᱫ੢଻㓚ߦኻߔࠆల⿷ᗵ
ਁ৻ߩ㓙ߩ⑳⊛Ḱ஻ߦ౏⊛଻㓚‫ޔ‬ડᬺ଻㓚ࠍ฽߼ߚ⚻ᷣ⊛Ḱ஻ߦኻߔࠆల⿷ᗵࠍߺࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵ޽ࠅ‫ ߪޠ‬24.6㧑‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߪޠ‬62.2㧑ߣ‫ޔ‬㧢ഀએ਄ߩੱ߇‫ޟ‬ల⿷ᗵߥߒ‫ߣޠ‬ᗵߓߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߇ޠ‬5.1 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ᱫ੢଻㓚ߦኻߔࠆల⿷ᗵ㩷㩷

6㧚 ᱫ੢଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะᱫ੢଻㓚ߦኻߔࠆ੹ᓟߩ⚻ᷣ⊛ߥḰ஻ᗧะߦߟ޿ߡߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߪޠ‬58.9㧑‫ޔ‬‫ޟ‬Ḱ஻ᗧะߥߒ‫ ߪޠ‬32.7㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߇ޠ‬5.6 ࡐࠗࡦ࠻Ⴧടߒߚ‫ޕ‬࿑⴫Φ㧙 ᱫ੢଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ㩷

㩷

㧙39㧙

7㧚 ㆮᣖߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ⥄ಽ⥄り߇ࠤࠟ߿∛᳇ߢ੢ߊߥߞߚ႐วߦ‫ࠄ߆ࠇߎޔ‬Ḱ஻ߔࠆ߽ߩ߽฽߼ߡ‫ߥ߁ࠃߩߤޔ‬ᣇᴺߦࠃߞߡㆮᣖߩ↢ᵴ⾗㊄ߥߤࠍ߹߆ߥ߅߁ߣ⠨߃ߡ޿ࠆ߆ࠍߺࠆߣ‫ޔ‬‫↢ޟ‬๮଻㒾‫ ߇ޠ‬52.6㧑ߣᦨ߽㜞ߊ‫ޔ‬⛯޿ߡ‫ޔ‬‫଻⊛౏ޟ‬㓚㧔ㆮᣖᐕ㊄ߥߤ㧕‫ ߇ޠ‬47.2㧑‫ޔ‬‫ޟ‬㗍⾂㊄‫ ߇ޠ‬45.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫଻⊛౏ޟ‬㓚㧔ㆮᣖᐕ㊄ߥߤ㧕‫ ߇ޠ‬4.8 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Φ㧙 ㆮᣖߩ↢ᵴ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ㩷

㩷

㧙40㧙

第Ⅴ章੺⼔଻㓚㩷介護保障╙㪭┨
1㧚 ੺⼔ߦኻߔࠆਇ቟ᗧ⼂(1) ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩ᦭ή
⥄ಽ߇዁᧪੺⼔ߐࠇࠆ⁁ᘒߦߥߞߚ႐วߩਇ቟ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߪޠ‬88.3㧑‫ޔ‬‫ޟ‬ਇ቟ᗵߥߒ‫ ߪޠ‬7.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߇ޠ‬2.4 ࡐࠗࡦ࠻Ⴧടߒߡ߅ࠅ‫̌ߦ․ޔ‬㕖Ᏹߦਇ቟ࠍᗵߓࠆ̍ߩჇ
ട᏷߇ᄢ߈ߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩ᦭ή㩷㩷(2) ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩౝኈ
‫ޟ‬ਇ቟ᗵ޽ࠅ‫ߣޠ‬࿁╵ߒߚੱߩౕ૕⊛ߥਇ቟ߩౝኈࠍߺࠆߣ‫ޟޔ‬ኅᣖߩ⡺૕⊛࡮♖␹⊛⽶ᜂ‫߇ޠ‬67.3㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫଻⼔੺⊛౏ޟ‬㒾߇޽ߡߦߥࠄߥ޿‫ޠ‬
㧔60.8㧑㧕
‫ޔ‬‫ޟ‬ኅᣖߩ⚻ᷣ⊛⽶ᜂ‫ޠ‬
㧔57.2㧑㧕
‫ޔ‬‫ޠ޿ߥࠄ߆ࠊ߇↪⾌ߩࠬࡆ࡯ࠨ⼔੺ޟ‬
㧔55.5㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫଻⼔੺⊛౏ޟ‬㒾߇޽ߡߦߥࠄߥ޿‫ ߇ޠ‬7.1 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ⥄ಽߩ੺⼔ߦኻߔࠆਇ቟ߩౝኈ㩷

㩷

㧙41㧙

(3) ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩ᦭ή
዁᧪ⷫ߿ⷫᣖߥߤࠍ੺⼔ߔࠆ┙႐ߦߥߞߚ႐วߩਇ቟ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߪޠ‬81.1㧑ߣߥߞߡ߅ࠅ‫ޔ‬‫⥄ޟ‬ಽߩ੺⼔ߦኻߒ‫ޔ‬‫ޡ‬ਇ቟ᗵ޽ࠅ‫ޢ‬‫ߚ߃╵ߣޠ‬ഀว㧔88.3㧑㧕ࠍ 7.2 ࡐࠗࡦ࠻ਅ࿁ߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫ ߇ޠ‬4.4 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩ᦭ή㩷㩷(4) ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩౝኈ
ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ᗧ⼂߇޽ࠆੱߩౕ૕⊛ߥਇ቟ߩౝኈࠍߺࠆߣ‫ޔ‬‫⥄ޟ‬ಽߩ⡺૕⊛࡮♖␹⊛⽶ᜂ‫ ߇ޠ‬68.4㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޠ޿ߥࠄ߆ࠊ߇↪⾌ߩࠬࡆ࡯ࠨ⼔੺ޟ‬
㧔56.5㧑㧕
‫ޔ‬‫⥄ޟ‬ಽߩᤨ㑆߇᜔᧤ߐࠇࠆ‫ޠ‬
㧔55.0㧑㧕
‫ޔ‬‫଻⼔੺⊛౏ޟ‬㒾߇޽ߡߦߥࠄߥ޿‫ޠ‬
㧔54.2㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬߹ߚ‫ޔ‬‫⥄ޟ‬ಽߩ੺⼔ߦኻߔࠆਇ቟ߩౝኈ‫ߣޠ‬Ყߴࠆߣ‫ޔ‬‫⥄ޟ‬ಽߩᤨ㑆߇᜔᧤ߐࠇࠆ㧔ኅᣖߩᤨ㑆ࠍ᜔
᧤ߔࠆ㧕
‫ޠ‬
‫ޔ‬
‫ߦ․߇ޠ޿ߥࠄ߆ࠊ߆ߊ⛯ߢ߹ߟ޿߇⼔੺ޟ‬㜞ߊ‫ᤨޔ‬㑆⊛ⷐ⚛ߩਇ቟ᗧ⼂߇㜞ߊߥࠆ௑ะ߇
ߺࠄࠇࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޠ޿ߥࠄ߆ࠊ߇↪⾌ߩࠬࡆ࡯ࠨ⼔੺ޟ‬‫ޔ‬‫଻⼔੺⊛౏ޟ‬㒾߇޽ߡߦߥࠄߥ޿‫ޠ‬‫ޔ‬‫ޟ‬ㆡಾߥ੺⼔ࠨ࡯ࡆࠬ߇೑↪ߢ߈ࠆ߆ࠊ߆ࠄߥ޿‫߇╬ޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ⷫߥߤࠍ੺⼔ߔࠆ႐วߩਇ቟ߩౝኈ㩷

㩷

㧙42㧙

2㧚 ੺⼔⚻㛎(1) ੺⼔⚻㛎ߩ᦭ή੺⼔⚻㛎ߩ᦭ήࠍߺࠆߣ‫ޔ‬‫⚻⼔੺ޟ‬㛎޽ࠅ‫ ߪޠ‬24.9㧑ߣ‫ޔ‬4 ੱߦ 1 ੱߩഀวߦߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ޿‫ޕ‬࿑⴫Χ㧙 ੺⼔⚻㛎ߩ᦭ή㩷㩷(2) ੺⼔ኻ⽎⠪੺⼔⚻㛎ߩ޽ࠆੱ߇ߛࠇࠍ੺⼔ߒߚߩ߆ࠍߺࠆߣ‫ޔ‬‫⥄ޟ‬ಽߩⷫ‫ ߪޠ‬47.9㧑‫ޔ‬‫ޟ‬㈩஧⠪ߩⷫ‫ ߪޠ‬25.2㧑
ߣߥߞߡ߅ࠅ‫⚻⼔੺ޔ‬㛎⠪ߩ߁ߜ 4 ੱߦ 3 ੱߩഀวߢⷫߩ੺⼔ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᐔᚑ 10 ᐕએ㒠‫⥄ޟ‬ಽߩⷫ‫߇ޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔ኻ⽎⠪㩷

㩷

㧙43㧙

(3) ੺⼔ᦼ㑆‫ޟ‬㈩஧⠪‫ޠ‬‫ޔ‬‫⥄ޟ‬ಽߩⷫ‫ޠ‬‫ޔ‬‫ޟ‬㈩஧⠪ߩⷫ‫ޠ‬‫ޔ‬‫ⷫߩઁߩߘޟ‬ᣖ‫⚻⼔੺ߩޠ‬㛎߇޽ࠆߣ࿁╵ߒߚੱߩ‫⼔੺ޔ‬ࠍⴕߞߚᦼ㑆㧔⃻࿷੺⼔ࠍⴕߞߡ޿ࠆੱߪ‫ࠍ⼔੺ޔ‬ᆎ߼ߡ߆ࠄߩ⚻ㆊᦼ㑆㧕ߪᐔဋ 45.5 ࡨ᦬㧔3 ᐕ
10 ࡨ᦬㧕ߢ‫ޔ‬4 ᐕએ਄߇ 3 ഀࠍ⿥߃ߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ᦼ⼔੺ޔ‬㑆ߩᐔဋߪᐔᚑ 10 ᐕએ㒠ᑧ߮⛯ߌߡ߅ࠅ‫ޔ‬㐳ᦼൻ߇ㅴࠎߢ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔ᦼ㑆㩷(4) ੺⼔ࠍⴕߞߚ႐ᚲ
੺⼔ࠍⴕߞߚ႐ᚲࠍߺࠆߣ‫ޔ‬‫⥄ޟ‬ಽߩኅ‫ ߇ޠ‬47.4㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ⷫ߿ⷫޟ‬ᣖߩኅ‫ޠ‬
㧔21.4㧑㧕
ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬‫ޟ‬࿷ቛ‫ ߪޠ‬68.8㧑‫ޔ‬‫ޟ‬ᣉ⸳‫ ߪޠ‬31.1㧑ߣߥࠅ‫ޔ‬‫ޟ‬࿷ቛ‫ޟ߇ޠ‬ᣉ⸳‫ߩޠ‬㧞୚એ਄ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᐔᚑ 10 ᐕએ㒠‫ޔ‬‫∛ޟ‬㒮‫߇ޠ‬ᷫዋߒ‫ޔ‬‫․ߥ⊛౏ޟ‬೎㙃⼔⠧ੱࡎ࡯ࡓߥߤ‫ޠ‬‫ޔ‬‫ޟ‬᳃㑆ߩ
᦭ᢱ⠧ੱࡎ࡯ࡓ‫߇ޠ‬Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔ࠍⴕߞߚ႐ᚲ㩷

㩷

㧙44㧙

(5) ౏⊛੺⼔଻㒾ࠨ࡯ࡆࠬߩ೑↪⚻㛎ߩ᦭ή࿷ቛ੺⼔ࠍߒߚੱ߇‫଻⼔੺⊛౏ޔ‬㒾೙ᐲࠍ೑↪ߒߚ߆ߤ߁߆ࠍߺࠆߣ‫ޔ‬‫ޟ‬೑↪⚻㛎޽ࠅ‫ ߇ޠ‬58.2㧑‫ޔ‬‫ޟ‬೑↪⚻㛎ߥߒ‫ ߇ޠ‬20.6㧑‫ޔ‬‫଻⼔੺⊛౏ޟ‬㒾೙ᐲᧂᣉⴕ‫ ߇ޠ‬19.5㧑ߣߥߞߡ߅ࠅ‫ ⚂ޔ‬6 ഀߩੱ߇೑↪
ߩ⚻㛎߇޽ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬೑↪⚻㛎޽ࠅ‫ ߪޠ‬16.7 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ౏⊛੺⼔଻㒾ࠨ࡯ࡆࠬߩ೑↪⚻㛎ߩ᦭ή㩷㩷3㧚 ⥄ಽߩ੺⼔ߦኻߔࠆᗧ⼂(1) ⥄ಽ߇੺⼔ߒߡ߽ࠄ޿ߚ޿႐ᚲ
዁᧪⥄ಽ⥄り߇੺⼔ߐࠇࠆ⁁ᘒߦߥߞߚ႐วߦ‫ߥ߁ࠃߩߤޔ‬႐ᚲߢ੺⼔ߒߡ߽ࠄ޿ߚ޿ߣ⠨߃ߡ޿ࠆߩ߆ࠍߺࠆߣ‫⥄ޟޔ‬ಽߩኅ‫ ߇ޠ‬38.6㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫․ߥ⊛౏ޟޔ‬೎㙃⼔⠧ੱࡎ࡯ࡓߥߤ‫ޠ‬
㧔26.3㧑㧕
‫ޔ‬‫ࠬࡆ࡯ࠨߩߤߥ⼔੺ޟ‬ઃ߈૑ቛ‫ޠ‬
㧔11.3㧑㧕ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬‫ޟ‬࿷ቛ‫ ߪޠ‬39.2㧑‫ޔ‬‫ޟ‬ᣉ⸳‫ ߪޠ‬50.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ޿‫ޕ‬ߥ߅‫ޔ‬‫ߚߞⴕࠍ⼔੺ޟ‬႐ᚲ‫ޠ‬
㧔44ࡍ࡯ࠫ㧕ߢߪ‫ޟ‬࿷ቛ‫ޠ‬
㧔68.8㧑㧕߇‫ޟ‬ᣉ⸳‫ޠ‬
㧔31.1㧑㧕ࠍ਄࿁ߞߡ޿
ߚ߇‫⥄ޔ‬ಽ߇੺⼔ߒߡ߽ࠄ޿ߚ޿႐ᚲߦߟ޿ߡߪ‫ޔ‬‫ޟ‬ᣉ⸳‫ޟ߇ޠ‬࿷ቛ‫ࠍޠ‬਄࿁ߞߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ⥄ಽ߇੺⼔ߒߡ߽ࠄ޿ߚ޿႐ᚲ㩷

㩷

㧙45㧙

(2) ࿷ቛ੺⼔ࠍᦸ߻ੱߩᄖㇱࠨ࡯ࡆࠬߩ೑↪ᗧะ࿷ቛߢߩ੺⼔ࠍᏗᦸߔࠆੱߦ‫ߥ߁ࠃߩߤޔ‬ᒻߢߩ੺⼔ࠍᦸࠎߢ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫⵬ޟ‬ഥ⊛ߦᄖㇱࠨ࡯ࡆࠬࠍ೑↪‫ ߇ޠ‬53.7㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬ਥߦᄖㇱࠨ࡯ࡆࠬߢ‫ޠ‬
㧔22.7㧑㧕
‫ޔ‬‫⥄ޟ‬ಽߩኅᣖߛߌ
ߢ‫ޠ‬
㧔18.2㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬‫ޟ‬ᄖㇱࠨ࡯ࡆࠬࠍ೑↪‫ ߪޠ‬79.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬ᄢ߈ߥᏅߪߺࠄࠇߥ޿‫ޕ‬࿑⴫Χ㧙 ࿷ቛ੺⼔ࠍᦸ߻ੱߩᄖㇱࠨ࡯ࡆࠬߩ೑↪ᗧะ㩷㩷(3) ࿷ቛ੺⼔ࠍᦸ߻ℂ↱
࿷ቛߢߩ੺⼔ࠍᦸ߻ੱ߇‫ߥ߁ࠃߩߤޔ‬ℂ↱ߢ࿷ቛ੺⼔ࠍᦸࠎߢ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫⥄ޟ‬ቛߢ↢ᵴߒߚ޿߆ࠄ‫ ߇ޠ‬82.2㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬ኅᣖߦ੺⼔ߒߡ߽ࠄ޿ߚ޿߆ࠄ‫ޠ‬
㧔35.7㧑㧕
‫ޔ‬‫ޟ‬ᣉ⸳ߦ౉ࠆ㊄㌛⊛૛⵨߇ߥ޿߆ࠄ‫ޠ‬
㧔22.3㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ᣉ⸳ߦ౉ࠆ㊄㌛⊛૛⵨߇ߥ޿߆ࠄ‫ ߇ޠ‬3.7 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ࿷ቛ੺⼔ࠍᦸ߻ℂ↱㩷

㩷

㧙46㧙

(4) ᣉ⸳੺⼔ࠍᦸ߻ℂ↱
ᣉ⸳ߢߩ੺⼔ࠍᦸ߻ੱ߇‫ߥ߁ࠃߩߤޔ‬ℂ↱ߢᣉ⸳੺⼔ࠍᦸࠎߢ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫ޟ‬ኅᣖߦㅅᖺࠍ
߆ߌߚߊߥ޿߆ࠄ‫ ߇ޠ‬80.8㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬లታߒߚ੺⼔߇ฃߌࠄࠇߘ߁ߛ߆ࠄ‫ޠ‬
㧔41.2㧑㧕‫ޔ‬‫ޟ‬ኾ㐷⊛ߥක≮߇ฃߌࠄࠇࠆ߆ࠄ‫ޠ‬
㧔39.4㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᐔᚑ 13 ᐕએ㒠‫ޔ‬‫ޟ‬ኾ㐷⊛ߥක≮߇ฃߌࠄࠇࠆ߆ࠄ‫ߪޠ‬ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ᣉ⸳੺⼔ࠍᦸ߻ℂ↱㩷

㩷

㧙47㧙

4㧚 ౏⊛੺⼔଻㒾ߦኻߔࠆᗧ⼂(1) ౏⊛੺⼔଻㒾ߦኻߔࠆ⹺⍮౏⊛੺⼔଻㒾೙ᐲߦߟ޿ߡ⹺⍮ߒߡ޿ࠆ㗄⋡ࠍߺࠆߣ‫ޔ‬‫଻ޟ‬㒾ᢱߩᡰᛄ޿ߪ 40 ᱦ߆ࠄ‫ ߇ޠ‬54.8㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫଻ޟ‬㒾ᢱߪஜᐽ଻㒾‫ޔ‬Ꮢ↸᧛‫ޔ‬ᚲᓧߦࠃࠅ⇣ߥࠆ‫ޠ‬
㧔50.3㧑㧕
‫ޔ‬‫ޟ‬࿷ቛࠨ࡯ࡆࠬߣᣉ⸳ࠨ࡯
ࡆࠬߩ㧞ߟ߇޽ࠆ‫ޠ‬
㧔48.0㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⹺ޟ‬ቯၮḰߪ㧣ಽ㘃‫⹺ޟ߮ࠃ߅ޠ‬ቯၮḰߦᔕߓߡ⛎ઃౝኈ߇᳿߹ࠆ‫ ⚂ߢޠ‬10 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫৻ޕ‬ᣇ‫ޔ‬‫ߪࠬࡆ࡯ࠨ⼔੺ޟ‬ේೣ 65 ᱦ߆ࠄ‫ߪޠ‬ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ౏⊛੺⼔଻㒾ߦኻߔࠆ⹺⍮㩷㩷(2) ౏⊛੺⼔଻㒾ߦኻߔࠆ⠨߃ᣇ⥄ಽ߇዁᧪ⷐ੺⼔⁁ᘒߦߥߞߚ႐วߩ੺⼔⾌↪ࠍ౏⊛੺⼔଻㒾ߢ߹߆ߥ߃ࠆߣ⠨߃ߡ޿ࠆߩ߆ࠍ
ߺࠆߣ‫ޔ‬‫ߣࠆ߃ߥ߆߹ޟ‬ᕁ߁‫ ߪޠ‬5.9㧑‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ ߪޠ‬86.1㧑ߣߥߞߡ߅ࠅ‫ޔ‬㧥ഀㄭߊߩੱ߇౏⊛੺⼔଻㒾ߛߌߢߪ߹߆ߥ߃ߥ޿ߣ⠨߃ߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ ߇ޠ‬5.9 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ౏⊛੺⼔଻㒾ߦኻߔࠆ⠨߃ᣇ㩷

㩷

㧙48㧙

(3) ౏⊛੺⼔଻㒾ߦኻߔࠆ⹏ଔ
Ԙ౏⊛੺⼔଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ
଻㒾ᢱߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬቟޿ߣᕁ߁‫ ߪޠ‬12.8㧑‫ޔ‬‫ޟ‬㜞޿ߣᕁ߁‫ ߪޠ‬51.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬‫ޟ‬㜞޿ߣᕁ߁‫ߪޠ‬ᐔᚑ 10 ᐕએ㒠৻⽾ߒߡჇടߒߡ߅ࠅ‫ޔ‬೨࿁ߦᲧߴ 6.1 ࡐࠗࡦ࠻Ⴧടߒߡㆊඨᢙࠍභ߼ࠆ⚿ᨐߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ౏⊛੺⼔଻㒾ߩ଻㒾ᢱߦኻߔࠆ⹏ଔ㩷㩷ԙ౏⊛੺⼔଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ
⛎ઃౝኈߦኻߔࠆ⹏ଔࠍߺࠆߣ‫ޔ‬‫ޟ‬లታ‫ ߪޠ‬8.2㧑‫ޔ‬‫ޟ‬㕖లታ‫ ߪޠ‬46.0㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬㕖లታ‫ ߇ޠ‬9.0 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ౏⊛੺⼔଻㒾ߩ⛎ઃౝኈߦኻߔࠆ⹏ଔ㩷

㩷

㧙49㧙

(4) ੺⼔଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆⥄ಽ⥄り߇ⷐ੺⼔⁁ᘒߦߥߞߚ႐วߩḰ஻ߦኻߒ‫଻⊛౏ޔ‬㓚ߩలታࠍᔒะߒߡ޿ࠆߩ߆‫⥄ޔ‬ഥദജࠍᔒะߒߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫଻⊛౏ޟ‬㓚లታᔒะ‫ ߪޠ‬41.0㧑‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߪޠ‬46.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫⥄ޟ‬ഥദജᔒะ‫ ߇ޠ‬1.9 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔଻㓚ߪ౏⊛଻㓚లታᔒะ߆⥄ഥദജᔒะ߆㩷5㧚 ੺⼔଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ⥄ಽ⥄り߇ⷐ੺⼔⁁ᘒߦߥߞߚ႐วߩߚ߼ߩ⚻ᷣ⊛ߥḰ஻⁁ᴫࠍߺࠆߣ‫ޟޔ‬Ḱ஻ߒߡ޿ࠆ‫ߪޠ‬41.2㧑‫ޟޔ‬Ḱ஻ߒߡ޿ߥ޿‫ ߪޠ‬55.9㧑ߣߥߞߡ޿ࠆ‫଻ߩઁޕ‬㓚㗔ၞߩ‫ޟ‬Ḱ஻ߒߡ޿ࠆ‫ޠ‬㨇ක≮଻㓚
㧔82.0㧑㧕
‫ޔ‬⠧ᓟ଻㓚㧔59.4㧑㧕
‫ޔ‬ᱫ੢଻㓚㧔72.4㧑㧕㨉ߣᲧセߔࠆߣ‫ޔ‬Ḱ஻ഀวߪૐߊ‫߽ᦨޔ‬Ḱ஻߇ㅴࠎߢ޿ߥ޿଻㓚㗔ၞߣ޿߃ࠆ‫ޕ‬ౕ૕⊛ߥḰ஻ᚻᲑࠍߺࠆߣ‫ޔ‬‫ޟ‬㗍⾂㊄‫ ߇ޠ‬29.5㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫↢ޟ‬๮଻㒾‫ޠ‬
㧔23.7㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬
࿑⴫Χ㧙 ੺⼔଻㓚ߦኻߔࠆ⑳⊛Ḱ஻⁁ᴫ㩷

㩷

㧙50㧙

6㧚 ੺⼔଻㓚ߣߒߡߩ↢๮଻㒾㧔੺⼔଻㒾࡮੺⼔․⚂㧕᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ੺⼔଻㒾࡮੺⼔․⚂ߩട౉₸ߪ 6.5㧑ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬᳃଻ߢߪ 5.6㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ߦ․ޔ‬ᄌൻߪߺࠄࠇߥ޿‫ޕ‬࿑⴫Χ㧙 ੺⼔଻㒾࡮੺⼔․⚂ߩട౉₸㩷㩷

7㧚 ੺⼔଻㓚ߦኻߔࠆల⿷ᗵ
੺⼔ߦኻߔࠆ⑳⊛ߥ⚻ᷣ⊛Ḱ஻ߦ౏⊛੺⼔଻㒾ࠍട߃ߚ‫⾗⼔੺ޔ‬㊄Ḱ஻ߩల⿷ᗵࠍߺࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵ޽ࠅ‫ ߪޠ‬7.8㧑‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߪޠ‬74.6㧑ߣ‫ޔ‬㧠ੱߦ㧟ੱ߇‫ޟ‬ల⿷ᗵߥߒ‫ߣޠ‬ᗵߓߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ల⿷ᗵߥߒ‫ ߇ޠ‬4.3 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔଻㓚ߦኻߔࠆల⿷ᗵ㩷

㩷

㧙51㧙

8㧚 ੺⼔଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ੺⼔ߦኻߔࠆ੹ᓟߩ⚻ᷣ⊛ߥḰ஻ᗧะࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߪޠ‬69.5㧑‫ޔ‬‫ޟ‬Ḱ஻ᗧะߥߒ‫ߪޠ‬20.5㧑ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ ߇ޠ‬3.2 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ㩷㩷

9㧚 ੺⼔ߩ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ⥄ಽ⥄り߇ⷐ੺⼔⁁ᘒߦߥߞߚ႐วߦ‫ࠄ߆ࠇߎޔ‬Ḱ஻ߔࠆ߽ߩ߽฽߼ߡ‫ߥ߁ࠃߩߤޔ‬ᚻᲑߢ੺⼔⾌↪ࠍ߹߆ߥߞߡ޿ߎ߁ߣ⠨߃ߡ޿ࠆߩ߆ࠍߺࠆߣ‫ޔ‬‫଻⼔੺⊛౏ޟ‬㒾‫ ߇ޠ‬74.9㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫౏ޟ‬⊛ᐕ㊄‫ޠ‬
㧔59.0㧑㧕
‫ޔ‬‫ޟ‬㗍⾂㊄‫ޠ‬
㧔58.5㧑㧕
‫ޔ‬‫↢ޟ‬๮଻㒾‫ޠ‬
㧔28.9㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫ޔ‬‫ޟ‬ડᬺᐕ㊄࡮ㅌ⡯㊄‫ ߇ޠ‬3.4 ࡐࠗࡦ࠻Ⴧടߒߡ޿ࠆ‫ޕ‬࿑⴫Χ㧙 ੺⼔ߩ⾗㊄ࠍ߹߆ߥ߁ᚻᲑ㩷

㩷

㧙52㧙

第Ⅵ章 生活保障と生命保険╙㪭㪠┨↢ᵴ଻㓚ߣ↢๮଻㒾㩷
1㧚 ജࠍ౉ࠇߚ޿଻㓚Ḱ஻(1) ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ක≮଻㓚‫ޔ‬⠧ᓟ଻㓚‫ޔ‬ᱫ੢଻㓚‫଻⼔੺ޔ‬㓚ߩ㧠ߟߩ଻㓚㗔ၞߩߥ߆ߢ‫⃻߇ޘੱޔ‬࿷‫߽ᦨޔ‬ജࠍ౉ࠇߚ޿ߣ⠨߃ߡ޿ࠆ߽ߩࠍߺࠆߣ‫↵ޔ‬ᕈߢߪ‫ޟ‬ᱫ੢଻㓚‫ ߇ޠ‬32.4㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬ක≮଻㓚‫ޠ‬
㧔23.1㧑㧕
‫ޔ‬‫ޟ‬⠧ᓟ଻㓚‫ޠ‬
㧔21.3㧑㧕
‫ޔ‬‫଻⼔੺ޟ‬㓚‫ޠ‬
㧔5.2㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫৻ޕ‬ᣇ‫ޔ‬ᅚᕈߦ߅޿ߡߪ‫ޟ‬ක≮଻㓚‫ޠ‬
߇ 31.7㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬⠧ᓟ଻㓚‫ޠ‬
㧔24.2㧑㧕
‫ޔ‬‫଻⼔੺ޟ‬㓚‫ޠ‬
㧔11.4㧑㧕
‫ޔ‬‫ޟ‬ᱫ੢଻㓚‫ޠ‬
㧔11.0㧑㧕ߩ㗅ߣߥߞߡ߅ࠅ‫↵ޔ‬ᅚ㑆ߢߩఝవߔߴ߈଻㓚ߦኻߔࠆ⠨߃ᣇߩ㆑޿߇㗼⪺ߦ⴫ࠇߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߢ‫ޟ‬ᱫ੢଻㓚‫ ߇ޠ‬4.8 ࡐࠗࡦ࠻Ⴧടߒߚ‫ޕ‬࿑⴫Ψ㧙 ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ާᕈ೎ި㩷

㩷

㧙53㧙

(2) ᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ᰴߦ㧔㧞⇟⋡ߦ㧕ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߪ‫↵ޔ‬ᕈߢߪ‫ޟ‬ක≮଻㓚‫ ߇ޠ‬28.4㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫ޟ‬⠧ᓟ଻㓚‫ޠ‬
㧔21.1㧑㧕
‫ޔ‬‫଻⼔੺ޟ‬㓚‫ޠ‬
㧔17.0㧑㧕
‫ޔ‬‫ޟ‬ᱫ੢଻㓚‫ޠ‬
㧔15.5㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬ᅚᕈߢߪ‫ޟ‬ක≮଻㓚‫ ߇ޠ‬25.4㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅ‫଻⼔੺ޟ‬㓚‫ޠ‬
㧔25.3㧑㧕
‫ޔ‬‫ޟ‬⠧ᓟ଻㓚‫ޠ‬
㧔18.3㧑㧕
‫ޔ‬‫ޟ‬ᱫ੢଻㓚‫ޠ‬
㧔9.3㧑㧕
ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ψ㧙 ᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ާᕈ೎ި㩷㩷(3) ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߣᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߩ⚵วߖᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߣᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߩ෺ᣇߦฦ଻㓚Ḱ஻ࠍ࿁╵ߒߚੱߦߟ޿
ߡ‫⚵ߩࠇߙࠇߘޔ‬วߖߩࠨࡦࡊ࡞ో૕ߦኻߔࠆഀวࠍᕈ೎ߦߺࠆߣ‫↵ޔ‬ᕈߢߪ‫ޟ‬ᱫ੢଻㓚ާᦨ߽ജࠍ
౉ࠇߚ޿଻㓚Ḱ஻㧔એਅ‫߽ᦨޔ‬㧕ި࡮ක≮଻㓚ާᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻㧔એਅ‫ޔ‬ᰴߦ㧕ި‫ޠ‬
㧔18.9㧑㧕
‫ޔ‬‫ޟ‬ᱫ੢଻㓚ާᦨ߽ި࡮⠧ᓟ଻㓚ާᰴߦި
‫ޠ‬
㧔15.1㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬ᅚᕈߢߪ‫ޟ‬ක≮଻㓚ާᦨ߽ި࡮੺⼔଻㓚ާᰴߦި
‫ޠ‬
㧔18.4㧑㧕
‫ޔ‬‫ޟ‬⠧ᓟ଻㓚ާᦨ߽ި࡮ක≮଻㓚ާᰴߦި
‫ޠ‬
㧔17.0㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ψ㧙 ᦨ߽ജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߣᰴߦജࠍ౉ࠇߚ޿଻㓚Ḱ஻ߩ⚵วߖާᕈ೎ި㩷

㩷



㧙54㧙

2㧚 ↢๮଻㒾࡮୘ੱᐕ㊄଻㒾ട౉₸᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ↢๮଻㒾߿↢๮౒ᷣ㧔୘
ੱᐕ㊄଻㒾߽฽߻‫଻ࡊ࡯࡞ࠣޔߒߛߚޕ‬㒾‫⽷ޔ‬ᒻߪ㒰ߊ㧕ߩട౉₸㧔ⵍ଻㒾⠪ߣߥߞߡ޿ࠆഀว㧕ߪ‫ޔ‬↵ᕈߢ 81.9㧑‫ޔ‬ᅚᕈߢ 81.2㧑ߣߥߞߡ޿ࠆ‫ޕ‬ᤨ♽೉ߢߺࠆߣ‫ޔ‬ᅚᕈߩో↢଻‫ޔ‬᳃଻ߢჇടߒߡ޿ࠆ‫ޕ‬࿑⴫Ψ㧙 ↢๮଻㒾࡮୘ੱᐕ㊄଻㒾ട౉₸ާᕈ೎ި㩷

㩷

㧙55㧙

3㧚 ᐕ㑆ᛄㄟ଻㒾ᢱ᳃㑆ߩ↢๮଻㒾ળ␠߿ㇷଢዪ‫ޔ‬JA㧔ㄘද㧕‫↢ޔ‬ද࡮ోഭᷣߢขࠅᛒߞߡ޿ࠆ↢๮଻㒾߿୘ੱᐕ㊄଻㒾ߩട౉⠪ߩ߁ߜታ㓙ߦ଻㒾ᢱࠍᡰᛄߞߡ޿ࠆੱߩᐕ㑆ᛄㄟ଻㒾ᢱ㧔৻ᤨᛄ߿㗡㊄ߩ଻㒾ᢱߪ㒰ߊ㧕ߪ‫↵ޔ‬ᕈ߇ᐔဋ 28.6 ਁ౞‫ޔ‬ᅚᕈ߇ᐔဋ 19.6 ਁ౞ߣߥߞߡ޿ࠆ‫ޕ‬೨࿁ߣᲧセߔࠆߣ‫↵ޔ‬ᕈߢ 2.4 ਁ౞ᷫዋߒߡ޿ࠆ‫ޕ‬࿑⴫Ψ㧙 ᐕ㑆ᛄㄟ଻㒾ᢱާᕈ೎ި㩷

㩷

㧙56㧙

第Ⅶ章 直近加入契約の状況と今後の加入意向╙㪭㪠㪠┨⋥ㄭട౉ᄾ⚂ߩ⁁ᴫߣ੹ᓟߩട౉ᗧะ㩷1㧚 ⋥ㄭട౉ᄾ⚂ߩታᘒ(1) ⋥ㄭട౉ᄾ⚂ߩട౉ᐕᰴ
⋥ㄭട౉ᄾ⚂ߩട౉ᐕᰴߦߟ޿ߡߺࠆߣ‫ޔ‬‫ޟ‬ᐔᚑ 14 ᐕએ೨‫ ߇ޠ‬52.1㧑ߣㆊඨᢙࠍභ߼ߡ޿ࠆ‫⋥ޕ‬ㄭ㧡ᐕ㑆ߩ㑆ߦᣂⷙട౉ߒߚੱߩഀวߪ㧟ഀ⒟ᐲߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ω㧙 ⋥ㄭട౉ᄾ⚂ߩട౉ᐕᰴ㩷㩷(2) ⋥ㄭട౉ᄾ⚂ߩട౉⋡⊛⋥ㄭട౉ᄾ⚂ߩട౉⋡⊛ߦߟ޿ߡߺࠆߣ‫ޔ‬‫∛߿ࠟࠤޟ‬᳇ߦߥߞߚ㓙ߩක≮⾌ߩߚ߼‫ ߇ޠ‬49.7㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫৻ਁޟ‬ᱫ੢ߒߚᤨߩߚ߼‫ޠ‬
㧔28.0㧑㧕
‫ޔ‬‫ޟ‬⠧ᓟߩ↢ᵴ⾗㊄ߩߚ߼‫ޠ‬
㧔9.2㧑㧕ߣ⛯޿ߡ޿ࠆ‫ޕ‬࿑⴫Ω㧙 ⋥ㄭട౉ᄾ⚂ߩട౉⋡⊛㩷

㩷

㧙57㧙

(3) ⋥ㄭട౉ᄾ⚂ߩട౉࠴ࡖࡀ࡞
⋥ㄭട౉ᄾ⚂ߩട౉࠴ࡖࡀ࡞ߦߟ޿ߡߺࠆߣ‫ޔ‬‫ ߇ޠࡦࡑࠬ࡞࡯࠮ޟ‬56.7㧑ߣ㧢ഀㄭߊࠍභ߼ߡᦨ߽
㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬᳃଻࡮ㇷଢዪ࡮㧶㧭ߩ⓹ญ‫ޠ‬
㧔11.2㧑㧕
‫ޔ‬‫ޟ‬ൕ߼వ߿ഭ௛⚵ว╬ࠍㅢߒߡ‫ޠ‬
㧔6.3㧑㧕ߣ⛯޿ߡ޿ࠆ‫ޕ‬‫⸰ߩޠࡦࡑࠬ࡞࡯࠮ޟ‬໧వ߇⥄ቛ߆ൕോవ߆ߩ೎ߦߟ޿ߡߪ‫ޔ‬‫ޟ‬ኅᐸߦ᧪ࠆ࠮࡯࡞ࠬࡑࡦ‫ޠ‬
߇ 38.8㧑ߣ‫ޔ‬‫ޟ‬⡯႐ߦ᧪ࠆ࠮࡯࡞ࠬࡑࡦ‫ ߩޠ‬17.9㧑ߦᲧߴ⚂㧞୚ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬‫ޟ‬ㅢା⽼ᄁ‫ߪޠ‬
5.7㧑ߢ޽ࠆ߇‫ߩߘޔ‬ౝ⸶ࠍߺࠆߣ‫ޔ‬‫࡮ࡆ࡟࠹ޟ‬ᣂ⡞࡮㔀⹹ߥߤࠍㅢߒߡ‫ ߇ޠ‬4.7㧑ߣ‫ޔ‬‫࠶ࡀ࡯࠲ࡦࠗޟ‬࠻ࠍㅢߒߡ‫ ߩޠ‬1.0㧑ߦᲧߴ㜞ߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ω㧙 ⋥ㄭട౉ᄾ⚂ߩട౉࠴ࡖࡀ࡞㩷

㩷

㧙58㧙

2㧚 ੹ᓟߩട౉࠴ࡖࡀ࡞ߦኻߔࠆᗧะ
(1) ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞
੹ᓟߩട౉࠴ࡖࡀ࡞ߣߒߡ‫ࠄ߆ߎߤޔ‬ട౉ߒߚ޿߆ࠍߚߕߨߚߣߎࠈ‫ޔ‬‫ ߇ޠࡦࡑࠬ࡞࡯࠮ޟ‬40.7㧑
ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬᳃଻࡮ㇷଢዪ࡮㧶㧭ߩ⓹ญ‫ޠ‬
㧔32.2㧑㧕
‫ޔ‬‫ޟ‬ㅢା⽼ᄁ‫ޠ‬㧔15.3㧑㧕ߣ⛯޿ߡ޿ࠆ‫ޕ‬࿑⴫Ω㧙 ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞㩷

㩷

㧙59㧙

(2) ᦨ߽ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞
ᦨ߽ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞ߦߟ޿ߡߺࠆߣ‫ޔ‬‫ ߇ޠࡦࡑࠬ࡞࡯࠮ޟ‬37.8㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬᳃଻࡮ㇷଢዪ࡮㧶㧭ߩ⓹ญ‫ޠ‬
㧔27.0㧑㧕
‫ޔ‬‫ޟ‬ㅢା⽼ᄁ‫ޠ‬㧔10.7㧑㧕ߣ⛯޿ߡ޿ࠆ‫ޕ‬࿑⴫Ω㧙 ᦨ߽ട౉ᗧะߩ޽ࠆ࠴ࡖࡀ࡞㩷

㩷

㧙60㧙

第Ⅷ章㧠ߟߩ଻㓚㗔ၞߩ߹ߣ߼㩷
４つの保障領域のまとめ╙㪭㪠㪠㪠┨1㧚 ਇ቟ᗧ⼂㧠ߟߩ଻㓚㗔ၞߦ߅ߌࠆਇ቟ᗧ⼂ࠍߺࠆߣ‫ޔ‬‫ޟ‬ਇ቟ᗵ޽ࠅ‫∛߿ࠟࠤޟߪޠ‬᳇ߦኻߔࠆਇ቟‫ ߇ޠ‬89.0㧑‫ޔ‬‫⥄ޟ‬ಽߩ੺⼔ߦኻߔࠆਇ቟‫ ߇ޠ‬88.3㧑ߣߥߞߡ߅ࠅ‫ޔ‬ᰴ޿ߢ‫ޟ‬⠧ᓟ↢ᵴߦኻߔࠆਇ቟‫ޠ‬
㧔84.6㧑㧕
‫ޔ‬‫ޟ‬ᱫ੢ᤨߩㆮᣖߩ↢ᵴߦኻߔࠆਇ቟‫ޠ‬
㧔67.5㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޔߚ߹ޕ‬̌㕖Ᏹߦਇ቟ࠍᗵߓࠆ̍ߪ‫⥄ޟ‬ಽߩ੺⼔ߦኻߔࠆਇ቟‫ ߇ޠ‬35.5㧑ߣઁߩ㗔ၞߦᲧߴ 10 ࡐࠗࡦ࠻એ਄㜞ߊ‫ޔ‬㧠ߟߩ଻㓚㗔ၞߩਛߢᦨ
߽㜞ߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ϊ㧙 ਇ቟ᗧ⼂㩷㩷

2㧚 ౏⊛଻㓚ߦኻߔࠆ⠨߃ᣇᔅⷐߥ⾌↪ߪ౏⊛଻㓚ߛߌߢ‫ߪߣࠆ߃ߥ߆߹ޟ‬ᕁࠊߥ޿‫ߩੱߚߒߣޠ‬ഀวࠍߺࠆߣ‫଻⼔੺⊛౏ޔ‬㒾
߇ 86.1㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ౏⊛ᐕ㊄㧔82.3㧑㧕
‫⊛౏ޔ‬ᱫ੢଻㓚㧔72.9㧑㧕‫⊛౏ޔ‬ක≮଻㒾㧔65.5㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ϊ㧙 ౏⊛଻㓚ߦኻߔࠆ⠨߃ᣇ㩷㩷

3㧚 ⑳⊛Ḱ஻⁁ᴫฦ଻㓚㗔ၞߩ⑳⊛Ḱ஻ഀวࠍߺࠆߣ‫ޔ‬ක≮଻㓚߇ 82.0㧑ߣᦨ߽㜞ߊ‫ޔ‬એਅᱫ੢଻㓚㧔72.4㧑㧕
‫ޔ‬⠧ᓟ଻㓚㧔59.4㧑㧕
‫଻⼔੺ޔ‬㓚㧔41.2㧑㧕ߩ㗅ߣߥߞߡ߅ࠅ‫ޔ‬㗔ၞߦࠃࠅ㗼⪺ߥᏅ߇ߺࠄࠇࠆ‫ޕ‬࿑⴫Ϊ㧙 ⑳⊛Ḱ஻⁁ᴫ㩷㩷㧙61㧙

4㧚 ↢ᵴ଻㓚ߦኻߔࠆల⿷ᗵ
⑳⊛Ḱ஻ߦ౏⊛଻㓚߿ડᬺ଻㓚ࠍวࠊߖߚ⃻࿷ߩ↢ᵴ଻㓚ߦኻߔࠆల⿷ᗵࠍߺࠆߣ‫ޟޔ‬ల⿷ᗵߥߒ‫ߪޠ‬⠧ᓟ଻㓚㧔76.5㧑㧕ߣ੺⼔଻㓚㧔74.6㧑㧕ߢ㧣ഀ⿥‫ޔ‬ක≮଻㓚㧔62.7㧑㧕ߣᱫ੢଻㓚㧔62.2㧑㧕ߢ⚂㧢ഀߣߥߞߡ޿ࠆ‫ߩࠇߕ޿ޕ‬㗔ၞߦ߅޿ߡ߽㧢㨪㧣ഀ߇Ḱ஻ਇ⿷ߢ޽ࠆߣ⹺⼂ߒߡ޿ࠆ߇‫߆ߥޔ‬
ߢ߽⑳⊛Ḱ஻ഀวߩૐ޿⠧ᓟ଻㓚ߣ੺⼔଻㓚ߢߪ‫ߦ․ޔ‬ల⿷ᗵ߇ૐߊߥߞߡ޿ࠆ‫ޕ‬࿑⴫Ϊ㧙 ↢ᵴ଻㓚ߦኻߔࠆల⿷ᗵ㩷㩷

5㧚 ↢ᵴ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ↢ᵴ଻㓚ߩߚ߼ߩ⚻ᷣ⊛ߥḰ஻ࠍ੹ᓟᣂߚߦⴕ߁ᗧะ߇޽ࠆ߆ࠍߺࠆߣ‫ޔ‬‫ޟ‬Ḱ஻ᗧะ޽ࠅ‫ߪޠ‬⠧ᓟ଻㓚㧔70.8㧑㧕ߣ੺⼔଻㓚㧔69.5㧑㧕ߢ⚂㧣ഀ‫ޔ‬ᰴ޿ߢක≮଻㓚㧔64.5㧑㧕‫ޔ‬ᱫ੢଻㓚㧔58.9㧑㧕ߣߥߞߡ޿ࠆ‫ޕ‬
࿑⴫Ϊ㧙 ↢ᵴ଻㓚ߦኻߔࠆ੹ᓟߩḰ஻ᗧะ㩷

㩷



㧙62㧙

補章
⵬┨㩷
1㧚 ᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧ⼂‫ޟ‬᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧ⼂‫ޔߪߡ޿ߟߦޠ‬એਅߩ੐㗄ࠍ࿁╵⠪ߦ⺑᣿ߒߚ਄ߢ⾰໧ࠍⴕߞߚ‫ޕ‬㧨ㇷଢዪ㧔᳃༡ൻᓟߩ◲଻㧔߆ࠎ߸↢๮㧕㧕ߦߟ޿ߡ㧪࡮ ᐔᚑ  ᐕ  ᦬߆ࠄ◲଻㧔߆ࠎ߸㧕߇᳃༡ൻ࡮ᩣᑼળ␠ൻߐࠇ‫↢߸ࠎ߆ޔ‬๮㧔઒⒓㧕ߣߒߡ᳃㑆ߩ↢๮଻㒾ળ␠ߦߥࠅ߹ߔ‫ޕ‬࡮ ߆ࠎ߸↢๮ߩᩣᑼߪ᡽ᐭ߇ᜬᩣળ␠ࠍㅢߓߡᒰೋ 㧑଻᦭ߒ‫ ޔ‬ᐕએౝߦቢోᄁළߔࠆߎߣ߇᳿
߹ߞߡ޿߹ߔ‫ޕ‬࡮ ߆ࠎ߸↢๮ߩ଻㒾ߪᒁ߈⛯߈ㇷଢዪߢ⽼ᄁߐࠇ߹ߔ‫ޕ‬࡮ ߆ࠎ߸↢๮ߩ଻㒾ߦߪ᡽ᐭߩ଻⸽ߪ޽ࠅ߹ߖࠎ‫ޕ‬࡮ ߆ࠎ߸↢๮ߪട౉㒢ᐲ㗵ߩᒁ߈਄ߍ㧔⃻ⴕ  ਁ౞㒢ᐲ㧕‫ޔ‬ᣂߒ޿଻㒾໡ຠ㧔ක≮଻㒾࡮ᄌ㗵ᐕ㊄╬㧕߳ߩෳ౉ࠍᏗᦸߒߡ޿߹ߔ‫ޕ‬(1) ᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧะ
઒ߦ᳃㑆ߩ↢๮଻㒾ળ␠߆ㇷଢዪ㧔᳃༡ൻᓟߩ◲଻㧔߆ࠎ߸↢๮㧕㧕߆ࠄട౉ߔࠆߣߒߚࠄߤߜࠄ
߆ࠄട౉ߒߚ޿߆ࠍߚߕߨߚߣߎࠈ‫ޔ‬‫ޟ‬᳃଻ㆬᅢ‫ ߇ޠ‬34.6㧑ߣ‫଻◲ޟ‬ㆬᅢ‫ ߩޠ‬26.5㧑ࠍ਄࿁ߞߡ޿ࠆ‫ޕ‬࿑⴫⵬㧙 ᳃଻ߣ◲଻ߦኻߔࠆട౉ᗧะ㩷

㩷

㧙63㧙

(2) ᳃଻ߣ◲଻ߦኻߔࠆㆬᅢℂ↱᳃଻ߣ◲଻ߘࠇߙࠇࠍㆬᅢߒߚጀߦኻߒߡㆬᅢℂ↱ࠍߚߕߨߚߣߎࠈ‫ޔ‬᳃଻ㆬᅢጀߢߪ‫ޔ‬‫ޟ‬໡ຠ߿
ࠨ࡯ࡆࠬ߇⦟ߐߘ߁ߛ߆ࠄ‫ ߇ޠ‬41.6㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬ଔᩰ߇ᚻߏࠈߘ߁ߛ߆ࠄ‫ޠ‬
㧔25.2㧑㧕‫ޔ‬‫ޟ‬ା㗬ߢ߈ߘ߁ߛ߆ࠄ‫ޠ‬
㧔24.8㧑㧕ߣ⛯޿ߡ޿ࠆ‫৻ޕ‬ᣇ‫଻◲ޔ‬ㆬᅢጀߢߪ‫ޟ‬ା㗬ߢ߈ߘ߁ߛ߆ࠄ‫ ߇ޠ‬51.2㧑
ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬࿖༡੐ᬺߣߒߡㆇ༡ߒߡ߈ߚવ⛔߇޽ࠅ‫ޔ‬቟ᔃߢ߈ߘ߁ߛ߆ࠄ‫ޠ‬
㧔39.0㧑㧕‫ޔ‬‫ޟ‬᡽ᐭ߇㑆ធ⊛ߦᩣᑼࠍ଻᦭ߒߡ޿ࠆߩߢ‫ޔ‬቟ᔃߢ߈ߘ߁ߛ߆ࠄ‫ޠ‬
㧔25.1㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫⵬㧙 ᳃଻ߣ◲଻ߦኻߔࠆㆬᅢℂ↱㩷

㩷

㧙64㧙

(3) ᳃଻ߣ◲଻ߦኻߔࠆࠗࡔ࡯ࠫ
᳃㑆ߩ↢๮଻㒾ળ␠ߣㇷଢዪ㧔᳃༡ൻᓟߩ◲଻㧔߆ࠎ߸↢๮㧕㧕ߩߘࠇߙࠇߦኻߔࠆࠗࡔ࡯ࠫߦߟ
޿ߡߚߕߨߚߣߎࠈ‫ޔ‬᳃଻ߦኻߔࠆࠗࡔ࡯ࠫߢߪ‫ޟ‬໡ຠ߿ࠨ࡯ࡆࠬ߇⦟ߐߘ߁‫ ߇ޠ‬29.1㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬ଔᩰ߇ᚻߏࠈߘ߁‫ޠ‬
㧔19.0㧑㧕
‫ޔ‬‫⓹࡮ࡦࡑࠬ࡞࡯࠮ޟ‬ญߩᔕኻ߇⦟ߐߘ߁‫ޠ‬
㧔17.6㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫৻ޕ‬ᣇ‫ߦ଻◲ޔ‬ኻߔࠆࠗࡔ࡯ࠫߢߪ‫ޔ‬‫ޟ‬࿖༡੐ᬺߣߒߡㆇ༡ߒߡ߈ߚવ⛔߇޽ࠅ‫ޔ‬቟ᔃߢ߈ߘ߁‫ޠ‬
߇ 24.9㧑ߣᦨ߽㜞ߊ‫ޔ‬ᰴ޿ߢ‫ޟ‬ା㗬ߢ߈ߘ߁‫ޠ‬
㧔19.1㧑㧕
‫ޔ‬‫ޟ‬᡽ᐭ߇㑆ធ⊛ߦᩣᑼࠍ଻᦭ߒߡ޿ࠆߩߢ‫ޔ‬቟ᔃߢ߈ߘ߁‫ޠ‬
㧔17.0㧑㧕ߩ㗅ߣߥߞߡ޿ࠆ‫ޕ‬࿑⴫⵬㧙 ᳃଻ߣ◲଻ߦኻߔࠆࠗࡔ࡯ࠫ㩷

㩷

㧙65㧙

2㧚 ౏⊛ᡰេ೙ᐲߦኻߔࠆᗧ⼂(1) ౏⊛ᡰេ೙ᐲ᜛లᤨߩ↢๮଻㒾ߩട౉࡮⛮⛯ߦኻߔࠆ⠨߃ᣇ↢๮଻㒾ᢱប㒰೙ᐲߥߤߩ౏⊛ᡰេ೙ᐲߩ᜛లߦኻߔࠆ⠨߃ᣇࠍߺࠆߣ‫↢ޔ‬๮଻㒾ߦᣂⷙട౉ߒߚ
ࠅ⛮⛯ߒߡ޿ߊ਄ߢ‫ޟ‬㊀ⷐߢ޽ࠆ‫ࠆߔߣޠ‬ഀวߪ 60.2㧑ߣ‫ޔ‬‫ޟ‬㊀ⷐߢߪߥ޿‫ ߩޠ‬22.4㧑ࠍᄢ߈ߊ਄࿁ߞ
ߡ޿ࠆ‫ޕ‬
࿑⴫⵬㧙 ౏⊛ᡰេ೙ᐲ᜛లᤨߩ↢๮଻㒾ߩട౉࡮⛮⛯ߦኻߔࠆ⠨߃ᣇ㩷㩷(2) ౏⊛ᡰេ೙ᐲ❗ዊᤨߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀↢๮଻㒾ᢱប㒰೙ᐲߥߤߩ౏⊛ᡰេ೙ᐲ߇❗ዊߐࠇߚ႐ว‫↢ޔ‬๮଻㒾ߩ⸃⚂࡮ᷫ㗵ࠍᬌ⸛ߔࠆߥߤ
ߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀ߩᐲว޿ࠍߚߕߨߚߣߎࠈ‫ޔ‬‫ޟ‬ᓇ㗀߇޽ࠆ‫ ߪޠ‬47.2㧑ߣ‫ޟ‬ᓇ㗀ߪߥ޿‫ޠ‬
ߩ 34.1㧑ࠍ 10 ࡐࠗࡦ࠻એ਄਄࿁ߞߡ޿ࠆ‫ޕ‬࿑⴫㩷 ⵬㧙 ౏⊛ᡰេ೙ᐲ❗ዊᤨߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀㩷㩷(3) ౏⊛ᡰេ೙ᐲ᜛ల࡮❗ዊ߇↢ᵴ଻㓚Ḱ஻ߦਈ߃ࠆᓇ㗀౏⊛ᡰេ೙ᐲ᜛లᤨߩ↢๮଻㒾ߩട౉࡮⛮⛯ߦኻߔࠆ⠨߃ᣇߣ౏⊛ᡰេ೙ᐲ❗ዊᤨߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀ߩਔ⸳໧ߦ㊀ⷐᕈ‫ޔ‬ᓇ㗀ߩ⒟ᐲࠍ࿁╵ߒߚੱߦߟ޿ߡ‫⚵ߩࠇߙࠇߘޔ‬วߖߩࠨࡦࡊ࡞ో
૕ߦኻߔࠆഀวࠍᕈ೎ߦߺࠆߣ‫↵ޔ‬ᅚߣ߽‫ޟ‬㊀ⷐߢ޽ࠆ࡮ᓇ㗀߇޽ࠆ‫߇ޠ‬ㆊඨᢙࠍභ߼ߡ޿ࠆ‫ޕ‬࿑⴫㩷 ⵬㧙 ౏⊛ᡰេ೙ᐲߩ᜛లߦኻߔࠆ⠨߃ᣇߣ౏⊛ᡰេ೙ᐲ❗ዊᤨߩ↢ᵴ଻㓚Ḱ஻ߦኻߔࠆᓇ㗀ߩ⚵วߖާᕈ೎ި㩷

㩷

㧙66㧙

ឝタ䊂䊷䉺䊶ᧄᢥ䈱䈗೑↪䋨ォタ䋩䈱ᚻ⛯䈐䈮䈧䈇䈩㽲 ਅ⸥䈍໧䈇ว䉒䈞వ䉁䈪೑↪䋨ォタ䋩䉕Ꮧᦸ䈜䉎䊂䊷䉺╬䉕䈗ㅪ⛊䈒䈣䈘䈇䇯㽳 ᒰ䉶䊮䉺䊷ౝ䈪ᬌ⸛䈘䈞䈩㗂䈇䈢਄䈪೑↪䋨ォタ䋩䈱นุ䉕䈗࿁╵↳䈚਄䈕䉁䈜䇯㽴 ᬌ⸛䈮䉋䉍೑↪㩿ォタ㪀䉕⸵น䈘䈞䈩䈇䈢䈣䈇䈢႐ว䇮ᓟᣣ䊂䊷䉺╬䉕೑↪䋨ォタ䋩䈚䈢ቢᚑຠ䉕䋱ㇱ䇮⷗ᧄ䈫䈚䈩䈗ㇷㅍ䈒䈣䈘䈇䇯㶎䈍໧䈇ว䉒䈞వ䋺䋨⽷䋩↢๮଻㒾ᢥൻ䉶䊮䉺䊷ડ↹✚ോㇱ ⪺૞ᮭ▤ℂᜂᒰ㪫㪜㪣 㪇㪊㪄㪌㪉㪉㪇㪄㪏㪌㪈㪈ᐔᚑ㪈㪐ᐕᐲ

↢ᵴ଻㓚䈮㑐䈜䉎⺞ᩏ䇶᭎ⷐ䇷ᐔᚑ㪈㪐ᐕ㪈㪉᦬䋨⽷䋩↢๮଻㒾ᢥൻ䉶䊮䉺䊷ડ↹✚ോㇱ䇾㪈㪇㪇㪄㪇㪇㪇㪌᧲੩ㇺජઍ↰඙ਣ䈱ౝ䋳䋭䋴䋭䋱ᣂ࿖㓙䊎䊦䋸㓏

㪫㪜㪣㩷㪇㪊㪄㪌㪉㪉㪇㪄㪏㪌㪈㪇䊖䊷䊛䊕䊷䉳䉝䊄䊧䉴 㪿㫋㫋㫇㪑㪆㪆㫎㫎㫎㪅㫁㫀㫃㫀㪅㫆㫉㪅㫁㫇㪆