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Surely this is considered one of the issues that many international students and trainees are most concerned about when they first set foot in Japan. It is not surprising that many people fall into “half laughing and half crying” situations when they do not understand each type of Japanese insurance thoroughly as well as always wonder if they have to pay insurance. Should I register for insurance and if not, what will happen? So today I will introduce all types of social insurance you need to know in Japan so that everyone can grasp the obligations, responsibilities and rights related to the issue of “social insurance” while living and working here.<\/span><\/p>\n <\/p>\n <\/p>\n Social insurance is a guarantee to replace or partially compensate an employee’s income when his\/her income is reduced or lost due to illness, maternity, work accident, occupational disease, or end of working age or death, on the basis of contributions to the social insurance systems.<\/span><\/p>\n <\/p>\n <\/p>\n Currently in Japan there are 4 main types of insurance, which are:<\/span><\/p>\n <\/p>\n <\/p>\n <\/b> <\/b> <\/p>\n Currently, in Japan, there are 3 types of health insurance as follows:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n The premium will be calculated based on each individual’s annual income. The form of payment of insurance premiums for each type is as follows:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n As mentioned above, health insurance will support participants to pay for hospital fees when they unfortunately have disease or illness. Specifically, you only have to pay 30% of the hospital fee, the remaining 70% will be paid by the government even in case you get injured and return to your home country if the necessary conditions are satisfied.<\/span><\/p>\n <\/p>\n <\/p>\n Not only the insured, family members can also receive benefits from health insurance as “dependants” – \u88ab\u6276\u990a\u8005 (hifuy\u014d-sha). However, not all family members are considered \u201cdependents\u201d. Therefore, to earn benefits from health insurance, you must meet the following general conditions:<\/span><\/p>\n <\/p>\n <\/p>\n In addition, there are some specific conditions for each beneficiary that will be explained in other articles. At this point, you can see that it is not easy to be recognized as a “dependant”, however, once accepted as a “dependant”, you will earn a lot of benefits such as: health care, maternity support, disease treatment, etc.<\/span><\/p>\n <\/p>\n <\/p>\n Health Insurance – (Kenk\u014dhoken) and Pension Insurance – (K\u014dsei nenkin hoken) always go together so there will never be a case where you just have to pay the monthly health insurance without paying pension insurance. However, students will not have to pay the Pension Insurance.<\/span><\/p>\n <\/p>\n In addition, foreigners who study or work in Japan are required to have a status of residence. Status of residence is valid for 1 year, 3 years or 5 years. Before the expiration date, foreigners must apply for an extension. However, from April 1, 2010 onward, when applying for residence extension in Japan, you will need to present your insurance card to the authorities. Therefore, participating in Health Insurance is not only related to health protection, but also related to the law.<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n There are 3 types of Pension Insurance in Japan:<\/span><\/p>\n <\/p>\n <\/p>\n All registered residents of Japan aged 20 to 59 years (Excluding foreign nationals, with a visa for medical stay or for long stay for sightseeing) must be covered by the National Pension system. The insured persons under the National Pension system are categorized according to their status as follows:<\/span><\/p>\n <\/p>\n *Note: <\/b>Persons must be covered as Category I insured persons, for the periods from their entry to Japan until when they are registered as Category II or Category III insured persons.<\/span><\/p>\n <\/p>\n You do not have to pay the Pension Insurance if:<\/span><\/p>\n <\/p>\n <\/p>\n In addition, if you meet all of the following conditions, you will be required to pay Health Insurance:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n Each target group will have different fees, specifically:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/b> <\/p>\n The basic requirements to receive the pension benefits when participating in the \u201cNational Pension\u201d and the \u201cEmployee\u2019s Pension\u201d are as follows:<\/span><\/p>\n <\/p>\n <\/p>\n <\/p>\n If your payment period is less than 40 years, the above amount will change based on the following formula:<\/span><\/p>\n <\/p>\n Pension received = Number of months paid \u00d7 780,000 \/ 480 months<\/b><\/p>\n <\/p>\n (For example, if you only pay for 20 years = 240 months, your pension will be just over 390,000 yen\/year, or about 32,500 yen\/month on average).<\/span><\/p>\n <\/p>\n\n
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