Home / 健康 / 健康全般 / 睡眠 / 不当な差額ベッド代は支払う必要無し!同意書に署名・捺印は慎重に
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不当な差額ベッド代は支払う必要無し!同意書に署名・捺印は慎重に

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差額ベッド代とは、大部屋以外の部屋に入院するとその差額、いわゆる差額ベッド代が全額自己負担となり、入院する患者側が支払う義務がある入院費用の事です。

病院には大部屋と呼ばれる6人部屋の他に、個室、2人室、3~4人室等があります。大部屋は、公的医療保険(国民健康保険や組合管掌健康保険、政府管掌健康保険、共済組合など)が適応されるので、自己負担はありません。しかし、大部屋以外の部屋に入院すると、別途、差額ベッド代を全額自己負担しなければならないのです。

大部屋以外の部屋というのは、全体の約6割が個室なのですが、この大部屋以外の部屋というのは、ある条件に当てはまった部屋の事をいい、個室とは限りません。

その条件とは
1.病室の病床数は4床以下であること。
2.病室の面積は一人当たり6.4平方メートル以上であること。
3.病床のプライバシーを確保するための設備(仕切りカーテンなど)があること。
4.個人用の「私物の収納」、「照明」、「小机等及び椅子」の設備があること。

差額ベッド代が必要な部屋の平均額は、約5,000円です。1日5,000円でも、10日で5万円、1ヶ月で15万円と、入院が長引いて差額ベッドが必要な部屋の場合、それだけ自己負担は大きくなります。

将来、入院するかもしれない時のために、保険会社の医療保険を検討、もしくは加入したことがある方は多いと思います。その保険会社の医療保険のパンフレットに、「差額ベッド代は高額です」「個室に入院すると1日5,000円、7,000円かかります」「1ヶ月入院すれば約30万円くらいの自己負担が発生します」など、「入院するとたくさんお金がかかる」というような文言を見聞きした事があるのではないでしょうか。

多くの場合、私たちが入院すると健康保険の給付のお陰で、高度先進医療といった特別の治療を受けなければ、医療費の自己負担は3割になります。その自己負担も高額療養費という制度で上限がありますので、上限を越えた負担額は後日、戻ってきます。では、医療費以外にかかるお金で、自己負担しなければならず、さらに高額な費用がかかるもの、それが「差額ベッド代」なのです。

しかし、入院費用の大部分を占めるその差額ベッド代、実は、「本来支払わなくてもいいお金」なのです。不当に支払わされている方も多く、実際に、病院とトラブルになっている患者さんもいらっしゃいます。

そこで、今回は、「なぜ、差額ベッド代は、本来支払わなくてもいいお金なのか」、お話ししたいと思います。

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差額ベッド代の秘密

差額ベッド代を支払わなければならない場合

見て

ほとんどの方が「個室に入院すればベッド代がかかる」と思い込んでいます。しかし、差額ベッド代を支払わなければならない場合とは、差額ベッド代のかかる病室の利用をしたいと、患者が希望し、同意した場合のみになります。

差額ベッド代を支払わなければならない場合の例としては

●入院中に、PCや電話を使って仕事をするのに集中できる環境が欲しいので、個室に入院したいと病院側に患者側から申し出た場合。
これは患者が個室での入院を希望するため、差額ベッド代がかかります。

●いびきがひどく、周りの患者に迷惑をかけるという理由で病院側から個室へ移動してもらいたいと申し出があり、料金等の説明を受けた後に、患者側が同意をした場合。
これは治療上必要とはいえないので、差額ベッド代がかかります。

差額ベッド代がかかる場合でも、病院側は同意書にて差額ベッド代の十分な説明を行い、患者の署名をもらう必要があります。

差額ベッド代を支払わなくてもよい場合

厚生労働省の通達では、治療上の必要から特別室に入る場合は、差額ベッド代を請求出来ない事になっています。例えば、次のようなケースが考えられます。

●急患で今すぐ入院の必要があるが、大部屋がいっぱいで個室しか空きが無い
●大部屋では治療上の機材が置けない
●治療上無菌室に入る必要がある

このような場合は、病院の都合なので原則、差額ベッド代を支払う必要はありません。しかし、実際は急患で「個室しか空いていません」と病院で言われ、個室に入る事に同意し署名すると、患者自ら希望したことになり、差額ベッド代を支払わなければならないのです。

緊急入院のために病院に運ばれたが、個室しかないと言われたので、「大部屋でもいいです!」と言うと、病院側は「困りましたね」「払って頂かないと困ります」と、患者に個室に入るように勧め、差額ベッド代を支払うよう、要求してきます。患者側は、トラブルを避けるために同意書に署名をしてしまう、というケースがかなり多いのが現状です。

差額ベッドの部屋の割合は最大でも全病床数の50パーセント(国立病院は20パーセント、地方公共団体が設置する病院は30パーセント)を越えることはできないと決められています。

つまり、入院する病院がすべて個室だったとしても、その半分は無料の個室でなければなりません。なので、病院側は、差額ベッド代を必要としない個室を勧め、患者に同意をさせ、差額ベッド代を請求している可能性もありうるという事です。

差額ベッド代の請求を回避する方法

「厚生局」という国の機関があります。厚生局は厚生労働省の地方支部支局の1つです。入院する病院の所在地を管轄する厚生局に電話をして、事情を説明します。

入院する時に話をした病院側の担当者の名前はメモしておいてください。そして、厚生局に、病院側の担当者の名前を伝え、差額ベッド代を請求されているが、払わなければならないのかどうかを確認してください。

差額ベッド代の支払いは必要無い、と言われたら、厚生局の担当者の名前を、病院側に伝え、厚生局の担当者に言われた事を、そのまま伝えれば、それで、差額ベッド代の支払いは回避出来ます。

ただ、入院するときの手続き書類の中にある「差額ベッド代に関する同意書」に署名や捺印をしてしまうと、払うことに同意したことになるので、署名・捺印してしまった場合は、差額ベッド代を支払わなければならなくなるでしょう。

同意書に、安易に著名・捺印をしないよう、心がけてください。これは、払わなければならない治療費を踏み倒しているのではありません。病院側が、本来患者が払わなくてもいい費用を請求しているだけなのです。

差額ベッド代は健康保険適用外です。払わなくいいものは払わないという毅然な態度で臨みましょう。

まとめ:病院によっては、不当に差額ベッド代の支払いを請求してくる場合があります。正しい請求なのかどうか、確認してから、同意書に署名・捺印をしましょう

病院からの言葉を素直に受け止めてはいけません。不当な請求をしてくる病院もあるのです。特に、差額ベッド代は、請求しやすい費用ですので、注意が必要です。病院側の説明が正しいのかどうか、第三者に確認してもらう事は、とても大切です。

再度、不当な差額ベッド代を支払わないためのポイントをまとめます。

  • 治療上の必要から特別室に入る場合、差額ベッド代を支払う必要は無い   
  • 差額ベッド代のかかる病室の利用をしたいと、患者が希望し、同意した場合のみ、差額ベッド代の支払いが必要
  • 安易に、同意書に署名・捺印をしない
  • 差額ベッド代の支払いが必要かどうか、入院する病院の所在地を管轄する厚生局に電話をして、事情を説明する

差額ベッド代さえかからなければ、入院してもそれほど高額なお金は必要ありません。差額ベッド代は、患者側が同意さえしなければ、払わなくてもよい費用です。不当な差額ベッド代を支払わないよう、病院側の言葉を鵜呑みにせず、不安な方は、第三者の意見を聞いた上で行動してください。

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