- 2 days ago
あさイチ 動画 2025年日10月1日
内容：お金のプロたちの「生命保険」入り方と見直し方▽この数年で保険料値下がり？！「死亡保険」▽もしものとき保障範囲は足りる？見逃しがち「医療保険のチェック・ポイント」
出演：浜島直子，磯山さやか，ファイナンシャルプランナー…竹下さくら，黒田尚子，イタリア料理店オーナーシェフ…鈴木弥平，博多華丸，博多大吉，鈴木奈穂子，駒村多恵，寺門亜衣子
内容：お金のプロたちの「生命保険」入り方と見直し方▽この数年で保険料値下がり？！「死亡保険」▽もしものとき保障範囲は足りる？見逃しがち「医療保険のチェック・ポイント」
出演：浜島直子，磯山さやか，ファイナンシャルプランナー…竹下さくら，黒田尚子，イタリア料理店オーナーシェフ…鈴木弥平，博多華丸，博多大吉，鈴木奈穂子，駒村多恵，寺門亜衣子
Category
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TVTranscript
00:00:00It's morning
00:00:00It was an unsettling ending
00:00:03Well, it looked like a topknot.
00:00:06I'm in a place where I'm doing something like sour
00:00:08You've been completely deceived
00:00:10No, already.
00:00:11Take me with this
00:00:13Because I don't have a top hat
00:00:15Mr. Money
00:00:16Maybe it's already wrapped up in something
00:00:19I'm being taken
00:00:20Such a sudden development
00:00:22On the third day
00:00:24There wasn't even five minutes of happiness
00:00:28No, a little crazy
00:00:30Bakebake
00:00:32It's scary already
00:00:34I'm scared I've already grown tired of it
00:00:36Let me introduce today's guest
00:00:38With Naoko Hamashima
00:00:40This is Sayaka Izawa
00:00:41good morning
00:00:43Let's go with this group today.
00:00:45Today's special feature is here
00:00:47The biggest purchase of my life
00:00:52Speaking of buying a house
00:00:55What's the second one?
00:00:57Did you know?
00:00:58It's actually life insurance.
00:01:03The amount is approximately 353,000 yen per year
00:01:10If you add it up year by year, it can exceed 10 million yen.
00:01:17Did you know, Hamashima-san?
00:01:19I didn't know
00:01:20Life insurance is not just about death insurance
00:01:25Medical insurance and cancer insurance
00:01:26From things to prepare for nursing care and retirement
00:01:29There are various types
00:01:31That's where a financial professional with knowledge of life insurance comes in.
00:01:38All are independent financial planners.
00:01:42I am not affiliated with any insurance company
00:01:44So there is no consideration whatsoever.
00:01:48Is insurance really necessary?
00:01:52What insurance do the professionals have?
00:01:54He talked about things like:
00:01:56I thought it was a waste to have medical insurance, so I stopped.
00:02:02I think everyone has trouble with medical insurance.
00:02:06Please have your insurance policy ready today to see what your coverage covers.
00:02:14First, there is the death benefit, such as life insurance, which pays out in the event of death.
00:02:22This is the most wasteful thing that happens in many cases.
00:02:27This is because many people say that the amount of insurance they receive is not appropriate for them.
00:02:34People in their 40s and 50s who have just started working and have purchased life insurance should be especially careful.
00:02:44In the end, it was pretty much like that in the past.
00:02:50It's pretty common for proposals to be made regardless of whether they are 30 million or 50 million yen or more.
00:02:55It seemed like common sense to accept that.
00:03:02There was a time like that
00:03:04There was a time when people said that you should at least have insurance.
00:03:07Who is single and would leave 30 million yen to someone?
00:03:11Who will leave 50 million?
00:03:13Thinking about it calmly, that guarantee was a waste.
00:03:17The amount of money needed at the time of death is determined by family structure and life stage.
00:03:25If you insure too much, your insurance premiums will be higher.
00:03:30For example, if a couple lives together and both work full-time
00:03:38Even if either of them disappears, the impact on the household finances will be limited.
00:04:13It seems like a waste to keep paying the same guaranteed amount forever.
00:04:17That's a waste
00:04:19Millions in lifetime payments
00:04:22For a couple, it would be tens of millions
00:04:24It'll easily exceed 10 million.
00:04:26Furthermore, there are some interesting stories like this
00:04:31If you buy life insurance now, you may be able to get a lower premium.
00:04:37The revisions made by various companies to the type of death insurance that gives surviving family members money every month are amazing.
00:04:46Once one company starts, suddenly everyone else starts jumping on board and a price-cutting competition begins.
00:04:52It is quite possible that the rate will drop by several tens of percent.
00:04:55Even as I get older
00:04:57Even as I get older
00:04:58That's right
00:05:01Generally, the older you are when you take out an insurance policy, the higher your premiums will be.
00:05:06However, as death insurance companies have significantly reduced their premiums this year,
00:05:13It may be cheaper to get new insurance.
00:05:18This is especially important for those who signed up before 2018.
00:05:24The reason is that in April 2018, the mortality rate was revised, and people are living longer, so the premiums for life insurance have become cheaper. In 2018, there were many cases where the premiums were cheaper when reinstating the policy.
00:05:42Longevity has led to a decline in the mortality rate among Japanese people, making insurance premiums cheaper.
00:05:48For example, if you entered the same place when you gave birth and have been using it ever since, this may be a good opportunity to reconsider.
00:05:57Have you ever looked back at Hamashima-san?
00:06:01I thought that the video just now was about me.
00:06:04When my son gave birth to his son 10 years ago, I looked at it again and it was still the same.
00:06:11I see
00:06:11That was before 2018, as I mentioned earlier.
00:06:15It seems like we'll be able to get a lot of information today.
00:06:19I'm Terakota, your reporter.
00:06:22Yes, thank you very much
00:06:23I think there are many other people like that.
00:06:26After all, insurance is difficult to begin with.
00:06:29If you have any questions today,
00:06:31After this, we will have experts appear on the stage.
00:06:33Please feel free to ask any questions.
00:06:35Viewers are also welcome to send in any questions via email.
00:06:38Now, let's look at the death benefit mentioned in the video.
00:06:41I didn't get the amount I thought I would get.
00:06:46Apparently there are cases where you can't get it.
00:06:50What does this mean?
00:06:52Today we'll be looking at this sample insurance policy.
00:06:56Today, please take a look at your own insurance policy.
00:06:59Please have it ready at hand
00:07:00That's fine too
00:07:02Warranty confirmation paper
00:07:04It is sent to you by your insurance company regularly, usually once a year.
00:07:08That's okay though
00:07:09Please have it ready
00:07:11Now, this contract
00:07:13In the event of death, up to 20 million yen will be paid out.
00:07:18Depending on the conditions, you can only receive 1 million yen.
00:07:25terrible
00:07:25What I mean is
00:07:28Looking at the contents of this contract
00:07:30First, the main contract above
00:07:31The main contract has a guaranteed amount of 1 million yen.
00:07:34Insurance companies are
00:07:37Below this
00:07:38This is a special clause that can be added as an option to the main contract.
00:07:44This special clause guarantees 9 million yen and the insurance company is 60 years old.
00:07:54Those over 61 years old cannot receive this 9 million yen.
00:08:00This is a maximum of 20 million yen, so 1 million and 9 million yen, leaving you with 10 million yen remaining.
00:08:08So where do we put it? A little lower, 10 million yen
00:08:11It says disaster premium contract.
00:08:14This is something that is paid on top of the insurance premium only if the insured dies from a specific cause, such as a defect accident or a specified infectious disease.
00:08:26This is not something you will necessarily get
00:08:29That means
00:08:31This is a maximum of 20 million yen, but the majority of that is 19 million yen.
00:08:37The amount can only be obtained if certain conditions are met.
00:08:45I feel like I've been tricked a little bit
00:08:47We have an expert here today who will be able to give us some detailed information on this topic, so I would like to introduce it to you.
00:08:55I also have experience working for a life insurance company.
00:08:59Sakura Takeshita, a financial planner
00:09:02thank you
00:09:03This type of life insurance has been around for a long time.
00:09:09Yes, it is a type of death benefit insurance that is particularly common among people in their 40s and 50s.
00:09:14If I remember correctly, the total amount was 20 million yen.
00:09:18In an emergency, the amount is less than expected
00:09:22The bereaved often become flustered and say, "Oh, really?"
00:09:25Then, the ward office that received the disaster allowance
00:09:28Small insurance other than the usual main insurance
00:09:31It is often written in a different section
00:09:34It's easy to overlook so be careful
00:09:36How much will I receive upon death?
00:09:42How long until I can receive it?
00:09:44And what are the conditions?
00:09:47I want you to check it carefully
00:09:48The breakdown is the guaranteed amount and insurance company set.
00:09:52This means that you need to have a firm grasp of
00:09:56Next up is this
00:10:01Regarding private medical insurance
00:10:03When I asked the professionals who have consulted on insurance,
00:10:07There was disagreement as to whether it was necessary.
00:10:10First, let's start with the opinion of a professional who thinks medical insurance is unnecessary.
00:10:17Medical insurance, etc.
00:10:19Personally, I have had experience in the past.
00:10:26I thought it was a waste so I quit.
00:10:29This is because there is a limit to how much medical insurance can cover for all illnesses.
00:10:35Yokokawa seems to think so.
00:10:37I think money is the most powerful thing after all.
00:10:42It's personal.
00:10:43Because I might or might not get cancer.
00:10:46It may be dementia
00:10:47Conversely, you may lose your sight
00:10:49Although many things happen in life
00:10:51If all of that is insured
00:10:53That would mean paying 10 or 20 million yen in insurance premiums.
00:10:56But I would save money as if I had taken out insurance.
00:11:01I'll use that money to cover medical expenses.
00:11:07However, I think that cancer is particularly expensive compared to other diseases.
00:11:14He says he has cancer insurance.
00:11:16Next, Mr. Hirano,
00:11:20I also prefer medical insurance.
00:11:24I think it's a waste to have it in there.
00:11:27However, this is based on the assumption that you have disability insurance.
00:11:31In short, you can get insurance that will come in when you can't work.
00:11:38I think it's the highest priority
00:11:41Disability insurance covers illness, injury, etc.
00:11:46Insurance to prepare for situations where you are unable to work
00:11:49You can receive a fixed amount every month
00:11:54It is expected that this will provide a source of income for those undergoing prolonged treatment.
00:11:59And in addition to disability insurance
00:12:05Apparently, he has cancer insurance.
00:12:08In the case of cancer, there are many cases where patients receive treatment without taking time off work.
00:12:13He thinks disability insurance won't cover it.
00:12:17I basically have disability insurance and cancer insurance.
00:12:26Only those who need it should have life insurance.
00:12:31I think it's fine to include only these three.
00:12:33The rest are not special contracts
00:12:36I think it's better for each of them to enter independently.
00:12:40I think so too
00:12:41If you sign up as a special contract
00:12:44When you don't need the main contract but want to keep the special contract
00:12:48I think it's very inconvenient
00:12:50I agree
00:12:51That can easily lead to waste, right?
00:12:54in the end
00:12:55Cancer and disability coverage can be added as special clauses.
00:13:01Professionals recommend that you take out separate insurance policies for each.
00:13:06For two people who said they were prepared for illness through savings or other insurance,
00:13:16The remaining three people each have medical insurance.
00:13:22Fukushima was wondering whether to cancel her medical insurance.
00:13:28Apparently he continues doing it out of a sense of security
00:13:31What would you do if you were hospitalized as soon as you left the military?
00:13:35I understand
00:13:35At this point, Yokokawa-san, who is in favor of unnecessary behavior, makes a comment.
00:13:41How much will I pay in total for insurance?
00:13:45Calculate that
00:13:47Considering the probability of hospitalization and surgery
00:13:53Continuing to pay health insurance premiums
00:13:55It is pointed out that it is a waste
00:13:57Meanwhile, Toyoda was in his 50s.
00:14:09He apparently enrolled in a new medical insurance plan in anticipation of his retirement.
00:14:13I did it myself when I was about 55 years old.
00:14:17After all, medical expenses are highest from the age of 70 onwards.
00:14:23So there were some people who didn't have medical insurance.
00:14:27The reason why I joined and continue to join is
00:14:30I think medical care in old age will be difficult.
00:14:35In order for Toyoda to continue his insurance in his old age,
00:14:39He also said he has devised a way to pay insurance premiums.
00:14:43There was a time when I was paid to sleep and couldn't live on my pension.
00:14:49Living expenses were difficult and I had to use up my savings.
00:14:53I think that time will come someday.
00:14:55I don't want to pay in bed.
00:14:58Focused on fixed-term payments
00:14:59Fixed-term payment refers to the period for which the guarantee is valid.
00:15:05How to pay your insurance premiums ahead of time
00:15:09This will prevent you from paying insurance premiums from your retirement pension.
00:15:14However, the monthly premium will be divided into installments.
00:15:20moreover
00:15:22I can't stop, it's a waste
00:15:24Make a payment
00:15:26That means you're going to review it.
00:15:30If you come to me for advice, I'll tell you it's a waste.
00:15:33Did you say that?
00:15:35I'll tell you
00:15:36I'll start collecting it from age 70.
00:15:39Something everyone can do
00:15:43It's completely different, everyone
00:15:45I guess it can be divided even in black
00:15:49What should I do?
00:15:51But I'm worried that if I stop, I'll end up in hospital.
00:15:54There's something there
00:15:55It feels like a protective insurance.
00:15:57There is also an aspect where it seems like peace of mind is winning.
00:16:00From here on, we will be joined by Ms. Naoko Kuroda, a financial planner who is knowledgeable about medical insurance and cancer insurance.
00:16:07thank you
00:16:09I was diagnosed with breast cancer when I was 40, so I feel that medical insurance really helped me, and I still have it.
00:16:21As mentioned in the video, it cannot be said that everyone needs medical insurance, so I myself am not sure whether I will continue with my current insurance or not, and I think it depends on the situation at the time.
00:16:33So there is a possibility that this will be reviewed. Mr. Kato, you said that you have taken out medical insurance in preparation for your retirement, but how much medical insurance do you think you will need for retirement? After all, when you get older, your hospital stays tend to be longer.
00:16:49Since there is a possibility of contracting various illnesses, I think many people are very anxious about how much they should prepare, but basically, there is data that shows that medical expenses for elderly people over the age of 70 are 3 million yen, so as a guideline, if you are prepared and have saved up about 3 million yen per person for medical expenses, I think it may be okay to stop insurance, or graduate from it.
00:17:14In any case, we advise our customers not to rely solely on insurance, but to maintain a balance between savings and insurance.
00:17:24As the doctor mentioned in the VDR, is there any insurance coverage for cancer?
00:17:28Yes, I have experienced it myself, but I have the impression that cancer is extremely expensive.
00:17:33I actually consult with patients at medical institutions, and it is said that one in two people will develop cancer, and I think that medical expenses tend to be high, especially if the treatment period is long or if the disease recurs or metastasizes.
00:17:47What do you think? I've managed to keep up up to this point, but when it comes to cancer insurance, there is no right or wrong answer when it comes to insurance when you are young, so it depends on how you look at it, but for women, the incidence of cancer, such as cervical cancer and breast cancer, increases at an earlier age than men, especially from around their late 30s.
00:18:15Therefore, since the incidence rate for men increases significantly from around their mid-50s onwards, it is probably best to start thinking about it a little earlier than you might think.
00:18:27It seems like it's better to have something that's independent. I think it's better to have a simple, standalone thing that's easier to review.
00:18:35I tend to think that it's okay because it comes with special terms, but there are also value packs available. Are all of these included?
00:18:45It's like a pack.
00:18:46But if you don't look closely, you might find that the conditions are a bit strict, or that they actually involve age restrictions.
00:18:52So what's happening is that in many cases, medical insurance includes a lot of different cancer-specific medications, but as VDDR mentioned, it's easy to review only the cancer coverage portion, and it can be difficult to review when you want to, and the details of each coverage are slightly different, so it's best to take out each policy separately.
00:19:13If you do it the other way around, you might think it will be a little more expensive, but if you consider the fact that you will be reviewing it as you go along, it may end up being cheaper in the end. Also, there are many cases where it is a family type, where the wife is on the husband's insurance, for example, the husband wants to review his insurance, but the wife gets cancer first, and so the review cannot be done.
00:19:43I think it's better not only to add various special clauses to your own insurance, but also to take out separate insurance for each family member.
00:19:51I see.
00:19:53I see.
00:19:53We also received the following message from a viewer, Mr. Water Strider, in his 30s from Aomori Prefecture.
00:19:58My husband has been suffering from depression and has been taking a three-month break from school lunches since mid-September as recommended by his doctor.
00:20:05My husband had a special clause in his life insurance that covered him in the event that he was unable to work, so he was relieved that he didn't have to worry about money and took leave as instructed by the doctor.
00:20:17When I inquired with my life insurance company, I found out that this special clause only comes into effect after I am hospitalized.
00:20:22My salary was already reduced last month, and even if I apply for sick leave this month, it will not be enough for our household budget.
00:20:30So, there are all sorts of really detailed special conditions, like what happens if you're hospitalized, etc.
00:20:37If you don't fall into this category, you won't receive any benefits.
00:20:41This is something you need to be very clear about yourself.
00:20:45As I mentioned earlier, cancer is said to affect one in two Japanese people. Together with Mr. Kuroda, we have been examining whether the insurance you currently have is likely to be useful or insufficient if you are diagnosed with this disease.
00:21:04The people who cooperated were seven women in their 50s and 60s.
00:21:13I've only had one before and after, so I'm starting to feel a bit scared after I turned 60.
00:21:22I didn't know what to do, and that's how I got to where I am today.
00:21:26There are four in the box.
00:21:27The first person is Shimizu, who says he is still carrying the insurance he signed up for when he was younger.
00:21:50She brought me the insurance policy she took out 20 years ago when she gave birth.
00:21:57One is insurance for teaching materials, which covers 8,000 yen per day if you are hospitalized.
00:22:05In addition, when you undergo surgery, you will receive a lump sum of insurance money.
00:22:12The other was a rider to life insurance, which also covered hospitalization and surgery.
00:22:21This time, we will judge whether the coverage of guaranteed treatment is sufficient.
00:22:27Now, what's the verdict?
00:22:30There is a possibility that Mr. Shimizu's insurance coverage is insufficient.
00:22:38Since there is no guarantee for these outpatient visits, I think there is a possibility that there may be a slight shortage.
00:22:46That's right. What Shimizu pointed out was that there was no guarantee of outpatient treatment other than hospitalization or surgery.
00:22:56In fact, the number of days spent in hospital due to cancer is becoming shorter, and drug therapy performed while visiting the hospital is becoming the norm.
00:23:07Many new medications require out-of-pocket payments of several tens of thousands of yen per month, and medical expenses are increasing compared to the past.
00:23:17When I consult with cancer patients at medical institutions, I find that many of them actually have insurance, but if treatment drags on for a long time, they say that they don't have coverage for outpatient visits, so I think that many of them end up not having enough.
00:23:34According to Kuroda, coverage for things other than hospitalization and surgery has only increased since 2010. Insurance policies before that barely covered this.
00:23:46largely.
00:23:48The recent emergence of various types of treatment benefits, such as chemotherapy and radiation therapy, has been popping up since around 2010.
00:23:57So 20 years ago, there was probably not even a trace of it left.
00:24:01Maybe I need to rethink that a bit.
00:24:06In this case, five people had insurance that could be used for purposes other than inpatient surgery, and all of them had signed their contracts after 2010.
00:25:16Everyone should check their securities to see if they state the number of times and conditions under which this lump sum will be paid out.
00:25:26The third person is Mr. Kaneko, who has four insurance policies.
00:25:32They have been gradually increasing their insurance coverage so that they will not be short of money in an emergency.
00:25:36At first, I was covered by a plan that provided coverage for hospitalization and surgery, as well as a lump-sum payment for cancer diagnosis.
00:25:46Later, cancer insurance was added, which provides coverage for outpatient cancer treatment.
00:25:51I also took out insurance that would pay a lump sum of 200,000 yen if I were hospitalized.
00:26:00However, upon checking, I found that all four of my insurance policies had overlapping hospitalization coverage.
00:26:23Just by eliminating these duplicate books, you could potentially save on insurance premiums.
00:26:27I feel like I'm a little too focused on hospitalization, and I'm overwhelmed with things like hospitalization insurance, so I think it might be a good idea to organize things a bit, because while there is of course a risk of developing cancer, or even if I do develop cancer, I'll have to increase my home delivery expenses and other living expenses in my retirement, so I think it might be a good idea to organize things a bit.
00:26:51Well, I understand that it can be a bit of an anxiety thing to do.
00:26:58But if it's just this one item, I think I can pay this much, it's just a little bit at a time.
00:27:04I understand.
00:27:05But, is it possible to just review the key points, since these overlap?
00:27:09Of course, of course. The special clauses are optional, so you can't remove the main contract, but if you add various options, you can remove them at any time.
00:27:21Also, if there are multiple overlapping insurance policies, does that mean that the insurance coverage will be reduced to cover the overlapping amounts?
00:27:27Yes. In the case of life insurance, even if you have multiple separate medical insurance plans, you can still receive a fixed amount of benefits, so you can receive a lot of money.
00:27:36In the end, the insurance premiums end up being more expensive, just like with VTR, and especially with medical insurance, the length of hospital stays has become much shorter these days.
00:27:47So, you have to decide whether to be hospitalized or not, and even if you are, you won't receive much if it's for such a short period of time.
00:27:55I think that would be a bit of a waste, and it's unlikely that we'll need a lot of it.
00:28:00If I go to the hospital a lot, I'll end up being hospitalized a lot, so I thought it would be a good idea to have a lot of hospitalization insurance, but now even with cancer, the hospital stay is usually about two weeks.
00:28:16In some cases, patients may be discharged from the hospital after only a week, so many people end up not receiving as much medical insurance as they thought they would.
00:28:26Yes, as was mentioned in the video, there are quite a lot of benefits for hospitalization and surgery, but with older types of insurance, it was only around 2008 that the ratio of hospitalization to outpatient treatment for cancer treatment was reversed.
00:28:43So, in the end, insurance products are created based on the condition and medical care at the time, and since inpatient treatment was the main focus at the time, that's why there were no medical benefits.
00:28:57It needs to be revised.
00:29:00Now, when we show a video, the doctor will look at it, and if someone who is not insured is asked to take a look at it, they will say, "The spirit is back."
00:29:07I'm curious about who to consult, but I'll talk about that in detail later. I'll be there shortly.
00:29:16There was talk that it might be a good idea to just remove the overlapping parts, but here's what you can do to notice the overlapping parts.
00:29:26I recommend this method of listing all the details of the insurance you have.
00:29:34Items to write down include the conditions for receiving benefits and the amount, for example, 5,000 yen per day if hospitalized.
00:29:43After that, you need to write out all of the details, including special clauses, such as until what age the guarantee will last, whether it is until age 65 or for life.
00:29:55Nako looked like she was worried about what to do.
00:29:58Can I do it too?
00:30:00When you sign a contract, there are times when you don't even think about it until the end.
00:30:04At first glance, it seems like a huge hassle, and I'm sure it would be a real hassle for people who already have a lot of insurance, but when you get sick, it's also a pain for each family member to have to pull out their insurance policy and claim how they'll be covered.
00:30:25So, although it is a bit of a hassle to do this in advance, I think it would be a good idea to make a list of what kind of coverage each insurance provides, and then share this information with yourself and your family members so that you know which coverage you can use in certain situations, which will give you peace of mind if something does happen.
00:30:41When you're sick, things are hectic, and you have to do a lot of different things, so it's quite difficult to find and organize everything. What should you do when you can't find it even after looking? Of course, in those cases, you should go to the insurance company and have them organize it for you.
00:30:58However, I think that every year you probably receive a guide from the insurance company explaining what your current insurance is, and I think that it probably lists it there. However, whether you understand it properly is another matter, so if you don't understand, I think it would be a good idea to consult with them.
00:31:16There are times when I leave it there and think, ``Oh, people are coming,'' but when I think that a program like this might be the trigger for them to come, they don't.
00:31:25lol
00:31:26lol
00:31:28lol
00:31:29lol
00:31:30lol
00:31:31lol
00:31:32lol
00:31:33lol
00:31:34lol
00:31:35lol
00:31:36lol
00:31:37lol
00:31:38lol
00:31:39lol
00:31:40lol
00:31:41lol
00:31:42lol
00:31:43lol
00:31:44There are certain procedures that need to be followed in order for the insurance company to claim for your insurance.
00:31:49Yes. Basically, only the contract holder can make a claim.
00:31:55So, there is a designated proxy claim system, so if you do that and register a family member, well,
00:32:02enabled, because
00:32:03If something happens, such as illness or hospitalization, there is a system in place that allows the other person to claim insurance or benefits on your behalf, so basically, you go to the insurance company and ask for help.
00:32:13I think it would be a good idea to check
00:32:15If you don't continue to do so,
00:32:19That's right
00:32:20On your behalf
00:32:22For example, even if a wife or husband makes a claim,
00:32:25It has to be him now
00:32:26Because it will be said
00:32:28Basically, when you join
00:32:29If I had a family at the time, I would do it.
00:32:31You can also register by paying
00:32:35For example, getting married
00:32:37Conversely, they may have been divorced
00:32:39Your parents are getting older
00:32:41If it stays as it is
00:32:42I always wonder if this person is okay.
00:32:45It is safer to review it
00:32:47It is linked to my personal number without my permission.
00:32:52If I get hospitalized, I'll come here without permission.
00:32:53I thought I was doing everything
00:32:56After all, the procedure
00:32:57Is that written on paper?
00:32:59I'm writing this
00:33:01I am
00:33:03Whether or not you are able to claim
00:33:05Who can register?
00:33:07Because you can check
00:33:08I think exactly what I think
00:33:10I want you to accept it
00:33:11Are you the person you want to handle the procedure?
00:33:13I'd like you to check it out
00:33:15Now, I'll answer some questions from the viewers.
00:33:21Mr. Takeshita will join us again.
00:33:23Mr. Takeshita, please
00:33:25Now, first one
00:33:26Sorry to have kept you waiting, Hanamaru-san
00:33:28Where to seek advice
00:33:30Here
00:33:31Other than the insurance company you have a contract with
00:33:35I don't know who to talk to
00:33:37Talk to your insurance company representative
00:33:39I can only say that it would be a waste to cancel.
00:33:42So who else should I consult?
00:33:45Here
00:33:46Mr. Takeshita, are there any places you can consult?
00:33:51An insurance shop
00:33:53Another option is to consult an independent financial planner.
00:33:56I think it will be the main point of contact
00:33:58Insurance shops use insurance from multiple companies.
00:34:02It's free anyway
00:34:04I think it's very useful for making broad comparisons.
00:34:08I have a question about the insurance shop.
00:34:12From Kanagawa Prefecture
00:34:13A place like a local insurance shop
00:34:16I wonder if I can go ahead and join after all?
00:34:19That's what I'm getting.
00:34:20It's free, after all.
00:34:21Is there anything?
00:34:23I want to get insurance before I move in.
00:34:27What's going on?
00:34:30as a matter of fact
00:34:31Insurance agents provide their customers with the best products that meet their needs.
00:34:35There is a rule that you have to make a proposal.
00:34:37I don't think there's much to worry about though
00:34:39Recently, in August of this year, the Financial Services Agency issued an order to improve business practices.
00:34:45There were some parts that seemed a little suspicious.
00:34:50Revision of the law is also being considered.
00:34:54I think that's okay
00:34:56Is there anywhere I can get advice from someone with a neutral perspective on insurance?
00:35:02In that case, you don't belong to a financial institution like us.
00:35:06If you have an independent financial planner, that's fine.
00:35:10There will be a fee for consultation
00:35:12Of these two plans, this one is better
00:35:15It better suits your needs
00:35:17That's the kind of advice we can give.
00:35:19Can be viewed objectively
00:35:21How much is it?
00:35:22Do you think it depends on the person?
00:35:24It depends on the person, but I think it's about 10,000 yen per hour.
00:35:28However, among these independent financial planners,
00:35:33Some people are registered as agents for insurance companies.
00:35:39But there is a way to find out
00:35:41That's right
00:35:41How do you find a financial planner who doesn't have an agency contract?
00:35:46This is the website of the Japan Association of Financial Planners
00:35:49You can search for FP qualification holders here.
00:35:55When you open the search page
00:35:57For example, prefectures and other areas where you can get advice.
00:36:03You can narrow your search down to the area you want to consult about.
00:36:08In this item
00:36:11There is an item called "Financial Product Sales" here.
00:36:15Here, this does not apply to the above
00:36:19If you check here,
00:36:21I don't have an agency contract with them.
00:36:23So FP is more searchable?
00:36:28For those who don't know
00:36:30But there are so many different places to get advice.
00:36:33Before you consult anywhere
00:36:36There are some things you need to decide for yourself
00:36:39How would you like your insurance to change?
00:36:43What is the maximum insurance premium you can comfortably pay?
00:36:45It's best to decide this yourself beforehand.
00:36:49Still just a sales pitch
00:36:51Because sometimes
00:36:53So I guess you could say that it's based on your own perspective.
00:36:57Please hold that firmly in mind.
00:36:58Please keep your budget as low as possible.
00:37:01I think it will fit just right.
00:37:03I think it would be good if you could do it with that image in mind.
00:37:07I don't really understand, so I'll just go there feeling a bit dazed.
00:37:11I went to check it out
00:37:13I also thought that maybe we could move forward in this way.
00:37:17This is also a job
00:37:18With good intentions
00:37:19Of course it is.
00:37:20Next up is this
00:37:26If I get sick, can I not reconsider?
00:37:30People want to get more comprehensive insurance after getting sick.
00:37:35I think some people think that
00:37:36More about this here
00:37:38What insurance can I get now even if I need treatment?
00:37:42Is Kuroda on the rise?
00:37:43Yes, it is a type of so-called palliative medical insurance.
00:37:47Have you got any illness or something?
00:37:49Even if you have an illness that you are currently being treated for
00:37:51The number of insurance options available is increasing dramatically.
00:37:53However, the conditions depend on the insurance company.
00:37:56It varies greatly depending on the product
00:37:59You can check it on the product's homepage.
00:38:02Whether the conditions suit you or not is up to you.
00:38:05I would like you to check
00:38:07However, even if you get sick, you can still enter.
00:38:11If the insurance premiums become the same as those of healthy people,
00:38:14It would be unfair
00:38:15So the insurance premiums are inevitably expensive.
00:38:19There is one big drawback
00:38:21Do I absolutely have to take out that insurance?
00:38:24Or can't you cover it with savings?
00:38:28I think it's important to make a decision and check it out.
00:38:31I see
00:38:31And then there's this
00:38:35How much is the appropriate insurance premium?
00:38:39surely
00:38:40This is limited to about 5% of your take-home pay for all life insurance.
00:38:48Mr. Takeshita, why this limit?
00:38:51Yes, 30% for housing, 20% for food, 10% for water and heat.
00:38:55Generally, household expenses are taken to a certain extent.
00:38:59If the insurance premium exceeds 5%
00:39:01You won't be able to save money.
00:39:03In many homes
00:39:04This will help you to save more.
00:39:07It is important to make adjustments when it comes to insurance.
00:39:10The target is 5%.
00:39:13Of course, depending on your life stage
00:39:15I'm writing it like this,
00:39:16Roughly a guideline
00:39:17It would be helpful to have a guide like this
00:39:20I don't know how much you all do
00:39:24I also received the following question or message:
00:39:27I'm from Ibaraki Prefecture.
00:39:28I have a contract with a company that operates in dollars.
00:39:32I want to cancel because it's too much of a burden.
00:39:35However, the market is unstable and I don't know when to quit.
00:39:38I'm worried that I might lose money.
00:39:40I think there is also this investment-type insurance.
00:39:43How should I think about this?
00:39:45As was mentioned in the video earlier
00:39:47Why do you have that insurance?
00:39:50Do you want to emphasize that guarantee?
00:39:52Now, what about retirement funds?
00:39:54Do you want to prepare for the future?
00:39:56What is your purpose for using it as an investment?
00:39:58I think it would be good if you could sort it out once more.
00:40:01However, if you need a one-time guarantee,
00:40:04After all, it's better to pay the premium as a one-time payment
00:40:06It's very cheap
00:40:08So this kind of investment type
00:40:10If you are using a product
00:40:12Functions as a guarantee
00:40:14There are two cost functions as an investment.
00:40:18There is an insurance fee for each
00:40:20The fact that it costs
00:40:22I hope you will understand properly.
00:40:24Basically, these investment products are
00:40:27You can cancel mid-way through
00:40:30If you cancel midway like this person,
00:40:33They say it's a waste
00:40:34If the payment period is too short
00:40:37The amount of money returned as cancellation reward is small
00:40:41If you cancel midway,
00:40:43The cost is the deduction rate.
00:40:45Sometimes it gets caught
00:40:47Ultimately, the cost may be unprofitable
00:40:50These products are basically
00:40:52I think you'll join for the long term.
00:40:55Ultimately, for your future retirement
00:40:58Insurance premiums paid properly over the long term
00:41:00Whether you can continue to pay
00:41:03Please check in advance
00:41:06Is that area okay?
00:41:07I would like you to determine
00:41:09do your best
00:41:11Didn't you know that there was such a thing?
00:41:14There really are a variety of products
00:41:17If you replace yourself somewhere
00:41:20I don't know what happened after that
00:41:21Applies to me
00:41:26When I start to think about what it was like at home
00:41:28The subsequent questions are
00:41:30It's all on your face
00:41:33This person has this insurance.
00:41:35Be careful
00:41:37A person in his 60s from Tokyo.
00:41:47Is there any insurance that is absolutely necessary for me to have when I get older?
00:41:52Actually, there is no such thing as absolutely necessary insurance for the elderly.
00:41:58On the other hand, when thinking about insurance, rather than increasing it, perhaps it's time to reconsider whether you're missing out on what you've already got, and whether savings are really enough.
00:42:11Savings are a versatile tool, so I think it's probably best to rely on savings rather than insurance.
00:42:18In the end, for example, if you have hospitalization insurance and you are never hospitalized, the entire amount is basically a donation, because you don't get a single yen for the insurance premium.
00:42:26Therefore, the basic idea of insurance for retirement is to not rely too much on insurance, but to look at the balance and reconsider whether savings are sufficient.
00:42:34On a slightly related note, I also received a message from Saccha in Nagano Prefecture saying that she is worried about the heavy burden of insurance premiums since she started living on a pension.
00:42:43After all, it's especially important for those who are currently living on pensions to take a look at their situation.
00:42:49Yes, I understand that it can be a source of anxiety, but I think it's best to try to minimize it as much as possible.
00:42:55And then there's a man in his 50s from Ibaraki Prefecture.
00:43:00I have taken out basic insurance, but I don't know what to do if my husband, who is the beneficiary, dies first.
00:43:06I don't think it was necessary because I don't have any children.
00:43:11What do you think of this, Takeshita-san?
00:43:12I think you're probably talking about life insurance.
00:43:15Since this is insurance for the surviving family members to use, I honestly don't think it's necessary if the surviving family member or beneficiary passes away.
00:43:25It's insurance for the recipient to use, not for yourself.
00:43:29So I'll just stop doing that once and for all.
00:43:36It's okay to stop. If there's no one to take it, you can just reduce it.
00:43:41You have to think about that.
00:43:43It was in the first half of the video though.
00:43:45In the past, it was common to have life insurance worth 20 to 30 million yen.
00:43:50Even now, my way of thinking is completely different.
00:43:52Basically, insurance is something that you take out by considering whether there is any financial risk when a person passes away, such as life insurance, and who will be in financial difficulty. So, if you don't have dependents or are not in financial difficulty, I think it would be better for you to focus on other things such as savings or medical care rather than death insurance.
00:44:19Yes, we have received a lot of feedback from our viewers.
00:44:25As I mentioned at the beginning, this is Mr. Maru from Miyagi Prefecture, in his 50s.
00:44:29When my father died of a cerebral hemorrhage, I thought my life insurance would pay out 10 million yen, but it only paid out 1 million yen.
00:44:36The 9 million yen was cancer insurance.
00:44:39I have also received messages saying that you need to think carefully before entering.
00:44:44We are still waiting for your questions
00:44:46Things to check when considering medical insurance after the news
00:44:50We will tell you about medical expenses you should prepare for.
00:45:53In Morino, Shiraoi Town, Hokkaido, the heaviest rainfall ever recorded was 123.5 mm in the hour up to 6:20 a.m.
00:46:07Radar analysis also showed that heavy rainfall of approximately 100 mm fell in the hour leading up to 7:50 a.m. near Shiraoi Town in Hokkaido.
00:46:19The Japan Meteorological Agency has issued a warning of record-breaking heavy rainfall in a short period of time, urging people to ensure safety.
00:46:26Please be on high alert for landslides, flooding of low-lying areas, and river flooding.
00:46:32Extremely unstable atmospheric conditions will continue in western Japan and the southwestern islands through today.
00:46:40In eastern and northern Japan, the rain will continue through tomorrow.
00:46:44Heavy rainfall of over 30mm per hour is expected, accompanied by localized thunderstorms.
00:46:50The Japan Meteorological Agency has warned of sudden heavy rain, lightning strikes, tornadoes and other violent gusts of wind in areas other than Hokkaido.
00:46:57They are also calling for caution against hail.
00:47:00A show for Japanese brands exhibiting at Paris Collection, one of the world's leading fashion festivals, was held in Paris.
00:47:10Costumes featuring artwork by artists with disabilities, produced by a company in Iwate Prefecture, were unveiled.
00:47:16A fashion show held in Paris
00:47:23Of the 30 costumes on display, 22 feature artwork by artists with disabilities produced by Heralbony, a company based in Morioka City.
00:47:34The theme of the show was the visualization of life, and dresses with moving parts were featured, inspired by living creatures. At the end of the show, the designer rushed to the venue to be introduced, and the audience erupted in loud applause and cheers.
00:47:50The writer Hanechika, who saw the show,
00:48:20I could see him following the works with his eyes as they went by, and it was an emotional feeling to see his growth.
00:48:33Today's weather.
00:49:03Temperatures from Tokai to Kyushu are expected to remain hot, at around 28 to 30 degrees.
00:50:16Now, let's take a look at how much money you need to prepare for illness. When considering whether or not you should get medical insurance, there is a public system you should know about first.
00:50:43The person who taught me this was Hato Sakamoto, who works as a medical social worker at a cancer hospital. In addition to providing support for patients and their families, she also provides financial advice during the battle with cancer.
00:53:31How many months worth of this should I have ready?
00:53:36Basically, in the case of cancer, for example, various treatments, including various anti-cancer drug treatments and surgery, often begin within the first 12 months or year, so it is safer to have at least the estimated amount of high-cost medical expenses prepared for at least one year.
00:53:53So, the amount you should save is as follows: for example, if you look at someone with an annual income of 4 million yen, there is a system in place that can reduce your out-of-pocket expenses, so we will go into detail about how to use it here, but taking that into account, the amount comes to 640,000 yen per year, so whether you can save up this amount through savings is one guideline for whether or not to take out private medical insurance.
00:54:22There are a few other systems in place along the way, which brings the total to roughly 640,000 yen.
00:54:29yes.
00:54:30Basically, just be aware that high-cost medical expenses are only available to those who are covered by insurance.
00:54:39So, this is just a guideline to cover the 30% or 20% medical expenses you pay to hospitals for a year if you have this amount of savings at least, and if there are other costs such as additional fees or transportation costs, and you want to do more than that, you will need to cover them with insurance, but I think it's good to think of this as a minimum guideline.
00:54:41And there are some other things you might want to check.
00:55:09This is a benefit that cannot be provided to public servants and company employees. Depending on your employer, you may be able to receive special subsidies from the health insurance plan you are enrolled in.
00:55:22This also applies to dependents, so please check.
00:55:26Depending on the health insurance plan you belong to, some people may be limited to a maximum of 20,000 yen in out-of-pocket medical expenses.
00:55:34This is not very well known.
00:55:35I also consult with many different patients, and there are quite a few who don't even realize it even after treatment has started.
00:55:43In that case, if the medical expenses covered by insurance are within 20,000 yen or 15,000 yen per month, then there are cases where you don't need medical insurance.
00:55:56I think it would be a good idea to check with your health insurance association or someone there to see if you are eligible for this additional benefit.
00:56:04And we've received over 1,000 messages from viewers.
00:56:10Thank you very much.
00:56:12I'd like to introduce one of them.
00:56:13This is Sakachan from Tokyo.
00:56:15The other day, my husband had a colonoscopy and a polyp was removed, but since he was a dormitory resident, it was left as it was.
00:56:20A friend told me that the insurance would cover it, so I checked with the insurance company and was told that currently it is 5 times the daily hospitalization fee, but since it is an old insurance, it will increase by 10 times.
00:56:29I was thinking about reviewing my insurance, but this time it was old so I was lucky.
00:56:34So this is one such pattern.
00:56:36If it's old, you can keep it.
00:56:39So, thank you to all the viewers for all the messages.
00:56:42The broadcast will end at 9:35 today, so if you have any questions please send them in as soon as possible.
00:56:48Yes, thank you both so far.
00:56:51thank you very much.
00:56:52Now let's get to the broadcast.
00:56:53Today's special event is from Los Angeles, USA.
00:56:56Takagi-san at Dodger Stadium.
00:56:59The broadcast is amazing.
00:57:01It's very slippery.
00:57:03Yes, good morning everyone.
00:57:06Dodger Stadium is the home of the Dodgers.
00:57:09During the day, the sun was very strong and it was hot, but as the sun went down, it got much cooler.
00:57:15The Wild Card Series match between the Reds and the Dodgers will begin at 10:08 Japan time.
00:57:21It's been less than an hour since we got there.
00:57:24Here at Dodger Stadium, commentator Takehiko Kobayakawa is in the broadcast booth.
00:57:29Our guest is Kenta Maeda, who played in the United States for 10 years until this season.
00:57:35Thank you very much.
00:57:36thank you.
00:57:37thank you.
00:57:38First, Mr. Maeda.
00:57:40Maeda has participated in this tournament for a total of six seasons, but what kind of stage is it?
00:57:45Yes, I'm really nervous, and the playoffs were the most stressful time of my baseball career, so I think this is a place where I'll be playing under that same level of pressure.
00:57:55Kobayakawa: This cost season is different from the regular season. What are the fun and difficulties?
00:58:01Yes, the whole stadium really heats up from the first pitch, so I think we can look forward to a game that is completely different from the regular season.
00:58:16Yes, and everyone in the studio also has some quick questions for Maeda-san, so please go ahead and ask them.
00:58:22Hello, this is Hanamaru. I was a Hiroshima Carp fan until the Hawks came to Fukuoka.
00:58:30Thank you very much.
00:58:31That's right.
00:58:32That's why I liked Let's too, because the mark is similar.
00:58:36That's a good story.
00:58:37What about the opposing team? They seem to be in good shape, and the Dodgers seem to be getting beaten in the second half, in the 8th and 9th innings.
00:58:46Do you have an image of Let's?
00:58:47Let's see how it turns out.
00:58:49yes.
00:58:51The team did well in the second half and won the final game, but the only thing that worries me is that there are few players with playoff experience.
00:59:00However, I think the fact that it's the first time and there's no fear is also a bad thing if it becomes like the Dodgers.
00:59:05I think this first game is very important, and the opening five innings of the first game will be especially important.
00:59:12I hope you will pay attention to that.
00:59:15It seems like pitcher Roki Sasaki is ready in time, but I wonder if he will play.
00:59:26I think it depends on the situation.
00:59:28I think he'll come in as a relief pitcher.
00:59:29He comes in as a relief pitcher.
00:59:31I thought he might come in as a relief pitcher.
00:59:33yes.
00:59:34yes.
00:59:35yes.
00:59:36Ohtani will also be playing in the starting lineup today as the designated hitter.
00:59:40I was just practicing hand movements a while ago.
00:59:43If the Wild Card Series is tied at 1-1 and goes to Game 3 the day after tomorrow, Otani is scheduled to start.
00:59:50This will be Kotanigawa's first time playing two-way in a season.
00:59:53Yes, that's something to look forward to.
00:59:57The match will be broadcast live on General TV from 9:35am after the first thing in the morning.
01:00:03Please take a look.
01:00:05yes.
01:00:06Thank you for your participation.
01:00:08thank you very much.
01:00:09I can't believe there's a live broadcast like this.
01:00:12That's right.
01:00:14I didn't think so.
01:00:15Congratulations.
01:00:16I'm looking forward to it.
01:00:17Yes, later.
01:00:18Let's get started.
01:00:19Next up, Mr. Anamura.
01:00:20Everyone, it's time for dinner.
01:00:23This week's theme is chef's home cooking.
01:00:27We will introduce the dishes that famous chefs usually make at home.
01:00:31There are a variety of techniques that only a chef can use.
01:00:34Now, this is the third day.
01:00:36Yahei Suzuki, owner and chef of an Italian restaurant.
01:00:40He is a popular chef who combines traditional Italian cuisine with innovative techniques.
01:00:45I'm always trying new dishes.
01:00:49Suzuki-san will be teaching us how to make home-cooked meals.
01:00:54A new take on colorful grilled eggplant that combines Japanese and Italian cuisine.
01:01:00Looks delicious.
01:01:01It also looks vivid.
01:01:03Perfect for when you want another dish.
01:01:05It can be used as a side dish or a snack.
01:01:08Yes, so let me introduce it again.
01:01:10This is Yahei Suzuki, the owner and chef of an Italian restaurant.
01:01:13Thank you very much.
01:01:14thank you.
01:01:15What place would you recommend for this dish?
01:01:18yes.
01:01:20I often drink alcohol after work,
01:01:25It's quick and easy to make and makes a great snack,
01:01:27There were also some counter-questions that seemed to suggest that I had memorized them.
01:01:30Mr. Ozawa, you're the eggplant comedian, right?
01:01:31I'm an eggplant comedian.
01:01:33This still has an Italian and Japanese feel to it.
01:01:36When you eat it, you can really smell the aroma, the scent of olive oil wafts up.
01:01:42It's like going back and forth between Italy and Japan.
01:01:46I go there and there.
01:01:46back and forth.
01:01:47back and forth.
01:01:48Sorry, only in Italy.
01:01:49What about the two guests?
01:01:52Looks delicious.
01:01:53It's tough.
01:01:54It looks like Japanese food.
01:01:56You can see it, right?
01:01:58There are plenty of vegetables too.
01:01:59Something like this can be done in no time.
01:02:01It seems quite difficult.
01:02:03I would like to ask you to explain this to me, focusing on the key points.
01:02:07So let's get started right away.
01:02:09First, let's take an eggplant. I've heard that you've been doing some cooking together here recently, so I'd love for you to try that. First, cut it in half and make a cut here, but don't cut all the way to the bottom. Make a diagonal cut, and then make another diagonal cut here, creating a lattice pattern. This is a Japanese cooking technique, I guess you could say.
01:02:37Is it difficult? A grid pattern. Yes, Italian cuisine. They don't do it in Italy. People there often stab meat, you know, and if you stab it repeatedly with a fork, you know, I see.
01:02:57The flavor is soaked in, but since we are Japanese, this is more delicate and the flavor soaks in nicely, so you don't have to do the inside or just the skin.
01:03:11Yes. On the other hand, today I want to brown it and bring that fragrant aroma into the dish, so yes.
01:03:20It's not cut into bite-sized pieces to make it easier to eat, it's large like this, so it's fine.
01:03:24It's done. Thank you.
01:03:25Thank you. Okay, I'll put this in a frying pan and fry it.
01:03:28Yes, please light it, yes, please wait 3 seconds slowly, and yes, it's OK.
01:03:37Thank you. And there are sliced garlic in the frying pan.
01:03:40Did it come out? Yes.
01:03:42It's Italian. See, there's a lot of Italian food around here.
01:03:44Again, it will become transparent, so don't burn it.
01:03:48It's something that shouldn't be burnt.
01:03:50Well, yes indeed.
01:03:51I can't let it burn, so could you please keep an eye on it?
01:03:55yes.
01:03:55Keep watch. So, Mr. Frypan, do you want to keep watch?
01:03:57I'll keep an eye on it.
01:03:58Don't burn it.
01:03:59yes.
01:04:00Yes, garlic.
01:04:02yes.
01:04:02So, I want the eggplant to brown, so when the eggplant browns, the garlic will brown as well.
01:04:11If you could bake it for me.
01:04:12Yes, yes.
01:04:12So, while you keep an eye on things for a bit, I'd like you to first prepare the seasonings, the combined seasonings.
01:04:18This is sake.
01:04:20For sake.
01:04:20Japanese sake.
01:04:21yes.
01:04:21This is soup stock.
01:04:24And soy sauce.
01:04:27Soy sauce and Japanese dashi.
01:04:29Add Japanese broth.
01:04:31Mix this well and it's ok.
01:04:35yes.
01:04:36And once they're browned, we're going to put them in here, so it's fine.
01:04:40yes.
01:04:40yes.
01:04:42Then I'll get some other vegetables.
01:04:43Vegetables. Yes.
01:04:44This is shishito pepper.
01:04:45I removed just the stem of the shishito pepper, and the rest is this paprika, but somehow, this shishito pepper...
01:04:53Imagine the size.
01:04:55Imagine the size.
01:04:56It seems to be based on the size. It's about the same length as a shishito pepper.
01:05:00It's like this, can you cut it into triangles?
01:05:05I'll cut the yellow one too.
01:05:09A triangle, a long triangle
01:05:12So that it looks a bit like a shishito pepper.
01:05:17And the lotus root, is it okay?
01:05:20No, still every year
01:05:22No, it's okay, I won't throw it away completely.
01:05:34That's right, it's lotus root.
01:05:39Nodaira-san is a big fan of Ibaraki and would love to add lotus root.
01:05:46Agricultural Cooperative? When you think of Ibaraki, you think of lotus root.
01:05:51There is a famous producer of the Lotus Root Three Brothers.
01:05:57It's really full of lotus roots. It's full of lotus roots.
01:05:59There are tons of lotus root buds.
01:06:02That's nice. Doesn't that look good?
01:06:05How is it? It feels good, just a little more to the end.
01:06:08Let's color it well
01:06:11There's something called deep-fried food marinated in olive oil.
01:06:15That will cause the eggplant to absorb the excess oil, but this one is grilled.
01:06:21You only need the amount of oil you need.
01:06:26This was originally created with the image of the Japanese dish, fried and marinated vegetables.
01:06:32It's starting to brown and it's starting to look good.
01:06:35No, it's okay to turn it over
01:06:37It's nice to be here for a moment.
01:06:39It smells better if you add a little garlic.
01:06:42I think it's pretty burnt.
01:06:45The back
01:06:46Ah, ah, ah, ah, ah
01:06:48It's a hawk
01:06:50Now, the color of the sauce
01:06:55Sauce color
01:06:57That's it
01:06:59No, it's a mixed seasoning.
01:07:03yes
01:07:04Oh, first of all, I didn't see any garlic.
01:07:07A little garlic now
01:07:07Crazy about eggplant
01:07:08But it's okay
01:07:10Once the alcohol in the sake has evaporated a little,
01:07:14Add water here
01:07:16I just got water
01:07:19Grilled and marinated dishes and fried and marinated dishes
01:07:22It's a technique of grilling it once and then dipping it in soup.
01:07:25This is in a frying pan
01:07:27that's right
01:07:27It feels like the flavor is just soaking into this.
01:07:31The lotus root is not cooked properly.
01:07:33I'll put it in first
01:07:34Easily
01:07:35Something like this
01:07:36Certainly easy
01:07:36It's one frying pan
01:07:38One
01:07:39Now add the lotus root
01:07:41yes
01:07:42So, one minute at a time.
01:07:44Add the lotus root and cook for about 4 minutes.
01:07:47About four minutes.
01:07:48Well, it depends on the heat
01:07:49If it were thinner, it would be much faster.
01:07:51Today it's about 4 minutes
01:07:52After about 4 minutes
01:07:54Here's what happened
01:07:56It's done
01:07:57It smells nice
01:07:59It's a tight hug
01:08:00It became
01:08:00Then add the remaining ingredients here
01:08:05yes
01:08:05Now this
01:08:06yes
01:08:06Once again
01:08:07You can put it all in at once.
01:08:08All at once
01:08:09already
01:08:09If it gets too thick at this point
01:08:12Add water.
01:08:13I agree
01:08:13If you feel like there isn't enough water at this stage,
01:08:16Just add water and boil
01:08:19But now
01:08:19I feel good today
01:08:20It feels good
01:08:21It's like including a little bit
01:08:25Cover and cook for about 1 and a half minutes
01:08:29One and a half minutes
01:08:30I see
01:08:31Think of it like Italian cuisine.
01:08:37You see, I stewed those vegetables with tomatoes.
01:08:40Caponata and stuff like that.
01:08:42yes
01:08:42Italy and the south and north
01:08:45It's quite different
01:08:46It's different.
01:08:47If you go south,
01:08:49After all, tomatoes are the norm
01:08:50The food
01:08:51There are vegetables in the house
01:08:53Zucchini or eggplant
01:08:56It was paprika
01:08:56It's often stewed with tomatoes.
01:08:58There is a dish called Caponata.
01:09:01That's the kind of image I have.
01:09:03It's a bit Japanese-style.
01:09:07So it's either Yae-san or Minami-san.
01:09:11I already
01:09:12All
01:09:14All
01:09:14Regardless of how many
01:09:15yes
01:09:16You went to a lot of different places.
01:09:17Go to various places
01:09:18I've received a lot of inspiration
01:09:23It's become a dish of my own style.
01:09:27Now, here are some vegetables.
01:09:31I'm making it with this set today.
01:09:34Various vegetables
01:09:35When you think of caponata,
01:09:36It's Italian home cooking
01:09:39Is it okay to pack anything in?
01:09:41That zucchini would be nice too.
01:09:44Asparagus, green beans
01:09:46You can even add broccoli
01:09:48You can add broccoli too
01:09:48broccoli
01:09:49I don't think there's anything that doesn't suit me.
01:09:51It falls apart when cooked.
01:09:52Pumpkins are also pretty good, aren't they?
01:09:54Deliberately let it fall apart
01:09:56The taste of autumn
01:09:57That's right
01:09:58I think it's great
01:10:00King oyster mushrooms
01:10:01Mushrooms are good too
01:10:03Mushrooms too
01:10:03So, half a bottle has passed.
01:10:06What do you think?
01:10:07What do you think?
01:10:08Oh, that's nice.
01:10:09Oh, that's good.
01:10:10Is that okay? Is that okay?
01:10:11thank you
01:10:11Yeah, ah, that feels good
01:10:13oh
01:10:14At this stage, if it's not cooked enough,
01:10:19Turn the heat up a little to evaporate the water.
01:10:22This is enough
01:10:24OK, now it's time to serve.
01:10:26Haramaru-san also helped arrange this.
01:10:28Yes, put a frying pan in the middle
01:10:30I'll let you know just now
01:10:32That's right, Haramaru said that I've gotten better at plating food.
01:10:35No, no, no, I love buffets
01:10:37Oh, I love buffets
01:10:38Oh, I love buffets.
01:10:40Oh, it's true, you're good at it
01:10:43No, no, no
01:10:44Then Yahei is good too.
01:10:47I agree
01:10:47please
01:10:48Yes, sorry.
01:10:49thank you
01:10:51It smells nice
01:10:54Yes, ah, Kippa
01:10:58Oh, there's no lotus root.
01:10:59This is Hanamaru's place.
01:11:00Hanamaru arranges peppers on top of eggplants
01:11:04Ah, I see.
01:11:05As expected
01:11:07Yahei's layering
01:11:09Stacked eggplant
01:11:10Yes, I will
01:11:12Then
01:11:14Can I have some ginger on top at the end?
01:11:17Plenty
01:11:20Now, Yahei's hand is
01:11:21Ginger and olives? No way.
01:11:23Plenty
01:11:24Top with grated ginger
01:11:27And here's the olive oil
01:11:30yes
01:11:31Um, ah, you can put more of this sauce on it now.
01:11:34You can call it
01:11:35yes
01:11:36Please pour a little sauce on it.
01:11:40beautiful
01:11:41yes
01:11:41And finally
01:11:43This olive oil
01:11:47Ah, olive oil
01:11:49This is Italy
01:11:50Right
01:11:50This olive oil
01:11:53Please try it
01:11:54It's really delicious
01:11:55Wow
01:11:56Is this a good olive oil?
01:11:58Good olive oil
01:11:59yes
01:12:00Yes, sorry, it's olive oil.
01:12:02yes
01:12:03This is something you prepare yourself
01:12:06Add some good olive oil
01:12:07Add some good olive oil
01:12:08Yes, then let's do this together
01:12:09Shall we line them up on the Daicho Mat?
01:12:11Yes, this is Nodaira-san.
01:12:14This is Hanamaru-san.
01:12:16It's a colorful summer dish
01:12:18Yes, it's finished.
01:12:19Both are lovely
01:12:21Yes, let's have everyone eat.
01:12:23Yes, let's eat.
01:12:25Let's eat!
01:12:25Let's eat!
01:12:27Already smells good
01:12:28Hmm
01:12:29Ginger and
01:12:30Ginger and olive oil
01:12:32hey
01:12:32Yes
01:12:32Wow
01:12:36delicious
01:12:38I'll enjoy having this
01:12:39Ah, olive oil works.
01:12:41The flavor is soaked in
01:12:43It's stained
01:12:44Oh, delicious.
01:12:45That's true
01:12:47It's like a liquid
01:12:49Hey
01:12:49Thick and creamy
01:12:51Oops
01:12:52It's delicious
01:12:54If you fry eggplant like this
01:12:56The oil used for frying is
01:12:57The eggplant will absorb it
01:13:00Bake
01:13:00The missing oil
01:13:02And then we bring it to this last olive oil.
01:13:05Olive oil is good for your health
01:13:07Even if you drink
01:13:09So when I come home late after work,
01:13:11Very like this
01:13:13It's delicious, light and easy to eat.
01:13:15surely
01:13:16So, about the first evening vinegar?
01:13:17Are you talking about olive oil?
01:13:19I can say that
01:13:21It's possible
01:13:22It's possible
01:13:23Truly Japanese food
01:13:25It's Japanese food but with an Italian feel
01:13:27surely
01:13:28I had the impression that boiled dashi was sweet.
01:13:31Not too sweet and refreshing
01:13:33It will work
01:13:34It really goes well with snacks
01:13:36It has garlic in it, so it definitely has an Italian feel to it.
01:13:39With ginger
01:13:40With ginger
01:13:42It has a kind of grilled eggplant feel to it.
01:13:44That's right.
01:13:45hey
01:13:46hey
01:13:47hey
01:13:48Soy sauce and olives go well together
01:13:50delicious
01:13:52delicious
01:13:53delicious
01:13:54Amazing food
01:13:56I hope you will try it at home too.
01:13:59So today, I learned about it from Yae Suzuki.
01:14:02thank you
01:14:03thank you
01:14:04It was delicious
01:14:05thank you
01:14:06Tomorrow we will be having a home-cooked meal by Chinese restaurant owner and chef Shinsaku Kikuchi.
01:14:12We will introduce you to the excellent flavor of grilled mushrooms.
01:14:16Stay tuned
01:14:17Now, please, Ms. Naoko Suzuki.
01:14:21yes
01:14:22NHK's new internet service, NHK-1, launched today.
01:14:28Along with that, you can watch recipes and program videos.
01:14:32The morning market website has also been slightly revamped.
01:14:36If you open the morning market website,
01:14:39Here
01:14:40A screen like this will appear
01:14:43yes
01:14:44Here
01:14:45This is an explanation of the reception contract for use.
01:14:50After checking the contents
01:14:53here
01:14:54Check the contents of the steam
01:14:57Check here
01:14:59Click Next
01:15:01There is no additional charge for households with a receiving contract.
01:15:07If you press this Next
01:15:09This screen will appear
01:15:11yes
01:15:12For those using it at home, click here
01:15:15Please select household or individual
01:15:18Next here
01:15:20Set up the broadcast station
01:15:22Please select your area
01:15:25It will be easier to watch news and programs from your chosen region.
01:15:29Then here
01:15:31Start using the service
01:15:33Click here
01:15:35You can see the morning market website
01:15:41Regarding the guidance I just explained,
01:15:43If you check this once
01:15:45It will not be displayed on the same device from next time onwards.
01:15:49The previous settings are like the initial settings.
01:15:52You can view recipes and a week's worth of programming on the morning market's website at any time.
01:15:59In addition to this, apps such as NHK Plus that I had been using until now can no longer be used.
01:16:07Sorry for the inconvenience, but if you are using the app, please click here
01:16:11Download the new NHK Plus app
01:16:17Yes, NHK Plus is right.
01:16:20It will be an app called NHK Plus within NHK1.
01:16:24Please note that this NHK1 service can be used more conveniently if you register an account.
01:16:31Currently, for those who are using Gmail etc. during the registration process
01:16:36There is a problem with emails from NHK not being received.
01:16:40If you are using Gmail etc., please refrain from registering an account for the time being.
01:16:46For more details, please see the NHK1 introduction page by scanning the QR code at the bottom right of the screen.
01:16:54We sincerely apologize for the inconvenience, but thank you for your cooperation.
01:17:00And today we received many messages from our viewers.
01:17:04Today's feature is about life insurance.
01:17:07Thank you for over 1000 messages
01:17:10Let's go as fast as we can
01:17:12First, let's start with a question from Ma-chan from Osaka Prefecture.
01:17:16My father has dementia and has been designated as an intractable disease.
01:17:20Because I filed various applications, my medical expenses were low.
01:17:24When I called the insurance company to cancel my medical insurance, I was told that I couldn't cancel it because of dementia etc.
01:17:30My father is 85 years old and currently in a nursing home. Can I cancel the contract?
01:17:36What do you think of this, Kuroda-san?
01:17:38Dementia insurance is also a contract, so it is considered that you do not have the capacity to make decisions.
01:17:42I guess I won't be able to cancel after all.
01:17:44This case cannot be resolved
01:17:46So basically, you should properly register the designated proxy claim that I mentioned earlier.
01:17:50Also, there is a system of public authorities for courts, and I think it would be possible to set one up.
01:17:56However, if it is thought that this insurance will be beneficial to this person or this father, it may not be possible to cancel the policy after all.
01:18:06I think it's best to check out various insurance policies for the elderly before you develop dementia.
01:18:12This is especially important for elderly parents, as it allows you to confirm whether they are actually making a designated proxy claim.
01:18:21Ms. Maru from Kanagawa Prefecture said that when her husband suffered a stroke, she was unable to write, but was able to file an insurance claim smoothly because she had designated a proxy.
01:18:32And here's a question from Bubukiki from Fukuoka Prefecture:
01:18:36I have a life insurance policy from a major company worth about 4 million yen that I have already paid off, but I have no children or relatives, only my husband.
01:18:44I would like to use this before I die, but what should I do? Is that even possible?
01:18:48I think you probably have a lot of cancellation reward money saved up from things like sleeping insurance, so I'd like you to estimate how much it will be.
01:18:57If the amount is more than the insurance premium you paid, you can cancel the policy without any hesitation and use the money for yourself.
01:19:03I see, there is a way to do that.
01:19:06And this is Munyamunyan-chan from Tokyo.
01:19:11I had a child this year and I know I need to review my life insurance.
01:19:16I was busy raising my children and it had been put off.
01:19:19Today's broadcast prompted me to consider this.
01:19:22That's what I received.
01:19:23I really think today will be a turning point for our guest.
01:19:27You two need to reconsider
01:19:30Look at various things and check the accuracy
01:19:32Yes, I thought I wanted to check it out a little sooner.
01:19:36Okay, here's tomorrow's preview
01:19:39Tomorrow we have a special interview with Jane Su
01:19:41We asked her how she deals with Oda, who she regrets being separated from.
01:19:44And Liliko will be traveling to Kumamoto.
01:19:46Please check back tomorrow
01:19:48Now, after this, we'll be broadcasting live from Dodger Stadium.
01:19:50Please take a look at that too.
01:19:52Thank you everyone for today
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