{"id":6144,"date":"2020-02-27T15:40:50","date_gmt":"2020-02-27T06:40:50","guid":{"rendered":"http:\/\/workjapan.fairness-world.com\/en\/?p=6144"},"modified":"2023-09-07T09:55:14","modified_gmt":"2023-09-07T00:55:14","slug":"social-insurance-in-japan","status":"publish","type":"post","link":"https:\/\/workjapan.fairness-world.com\/en\/social-insurance-in-japan\/","title":{"rendered":"Social Insurance in Japan: Guide for Foreigners"},"content":{"rendered":"\t\t

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It is wise to be aware of what and who is willing to support you in<\/span>to having a \u201cguaranteed life\u201d. That is basically the reason for establishing the social insurance system in Japan. This will provide you with the medical care benefits and pensions you will need in the event of sickness, injury, childbirth, death, old age, and disability. <\/span><\/p>\n

As it is a universal law, all registered residents of Japan must apply in one of the appropriate social health care and pension insurance systems.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What is Social Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Social insurance (shakai-hoken) is a mandatory insurance scheme that is run by the state of Japan for the purpose is to have a secure and stable livelihood. It means you will be paying premiums (monthly) in preparation for events such as illness, aging, unemployment, occupational accidents, and nursing care.\u00a0<\/span><\/p>\n
There are five types:<\/span>\u00a0<\/span><\/strong><\/p>\n
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Medical insurance<\/span><\/li>\n
Pension insurance<\/span><\/li>\n
Employment insurance\u00a0<\/span><\/li>\n
Work-injury insurance<\/span><\/li>\n
Long-term care insurance<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Who is eligible to apply for those types of social insurance? \n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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To explain to you further about each type of social insurance, its description, and benefits, please refer to the table below.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Types of Insurance<\/strong><\/span><\/td>\n To Whom it Applies<\/strong><\/span><\/td>\n<\/tr>\n
Public Medical Insurance<\/strong><\/span>
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Health insurance<\/span><\/li>\n
Sailor insurance<\/span><\/li>\n
Mutual aid association<\/span><\/li>\n
National Health Insurance<\/span><\/li>\n
Retiree medical system<\/span><\/li>\n<\/ul>\n<\/td>\n
office workers<\/span><\/td>\n<\/tr>\n
sailors<\/span><\/td>\n<\/tr>\n
public servants; teachers<\/span><\/td>\n<\/tr>\n
self-employed persons; housewives, etc<\/span><\/td>\n<\/tr>\n
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employees under the age of 65; and their dependents<\/span><\/p>\n
persons who have retired, are enrolled in the National Health Insurance, received a pension or mutual aid pension, etc<\/span><\/p>\n<\/td>\n<\/tr>\n
Public Pension<\/strong><\/span>
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National pension<\/span><\/li>\n
Employee pension<\/span><\/li>\n
Mutual aid pension<\/span><\/li>\n<\/ul>\n<\/td>\n
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all people aged 20-59<\/span><\/p>\n
self-employed persons, student, unemployed, wives (dependent spouse) who do not fall under the 2nd or 3rd insured person, wives of a company\/public employee<\/span><\/p>\n<\/td>\n<\/tr>\n
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people (under 70) who work for a company\u00a0<\/span><\/p>\n
(costs covered by employee pension insurance enrollment)<\/span><\/p>\n
office workers, civil servants, etc.<\/span><\/p>\n<\/td>\n<\/tr>\n
public servants; private school teachers, office workers, civil servants, etc.<\/span><\/td>\n<\/tr>\n
Long-term care insurance<\/b><\/span><\/td>\n \n
people aged 65 and over<\/span><\/p>\n
individuals aged 40 to 64 with a need for long-term care due to illness<\/span><\/p>\n<\/td>\n<\/tr>\n
Workers’ compensation insurance (work injury insurance)<\/b><\/span><\/td>\n affected workers or bereaved families when workers become injured, ill, disabled or dead due to work-related or accidents during travel<\/span><\/td>\n<\/tr>\n
Employment insurance<\/b><\/span><\/td>\n Provide unemployment benefits to stabilize living and employment when workers are unemployed<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Classification by Status\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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In the case of employed and unemployed locals and non-locals (refer to those who have a valid visa in Japan), the table below shows the classification of the types of social insurance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Employed<\/strong><\/td>\n Self-Employed<\/strong><\/td>\n<\/tr>\n
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Civil servant<\/em><\/span><\/strong><\/p>\n
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employee pensions<\/li>\n
retirement benefits<\/li>\n
civil servant accident compensation<\/li>\n<\/ul>\n
Seafarers<\/em><\/span><\/strong><\/p>\n
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seafarer insurance<\/li>\n
employee pension<\/li>\n
employment insurance<\/li>\n
workers’ accident insurance<\/li>\n<\/ul>\n
National Assembly \/ Local Assembly<\/strong><\/em><\/span><\/p>\n
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National Health Insurance<\/li>\n
National Pension<\/li>\n<\/ul>\n
Private Company Employee<\/em><\/span><\/strong><\/p>\n
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health Insurance<\/li>\n
employees pension<\/li>\n
employment insurance<\/li>\n
workers’ compensation insurance<\/li>\n<\/ul>\n
Public Servants<\/em><\/span><\/strong><\/p>\n
mutual aid unions (short-term benefits)<\/p>\n<\/td>\n
National Health Insurance\u00a0
National Pension<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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TAKE NOTE<\/i><\/b>:<\/b> New employees do not pay Social Insurance on their first month of salary. The kind of insurance required from you will depend on your status.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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How Social Insurance Work<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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1. MEDICAL INSURANCE<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\u00a0<\/b>Health insurance\u00a0 (varies depending on where you work)<\/b><\/p>\n<\/td>\n<\/tr>\n
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Enrollment Open To<\/b><\/p>\n<\/td>\n
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Company employee<\/p>\n<\/td>\n<\/tr>\n
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Medical Treatment Insurance Coverage<\/b><\/p>\n
(outpatient\/ inpatient expenses)<\/i><\/p>\n<\/td>\n
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Before compulsory education: The insurance will cover 80% of medical costs<\/p>\n
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During compulsory education: (below age 70) The insurance will cover 70% of medical costs<\/p>\n
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Aged 70 and over: The insurance will cover 80% of medical costs<\/p>\n<\/td>\n<\/tr>\n
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Childbirth & Childcare Lump Sum<\/b><\/p>\n<\/td>\n
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420,000 JPY (Please note that there are various conditions)<\/p>\n<\/td>\n<\/tr>\n
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Sickness Allowance<\/b><\/p>\n<\/td>\n
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If an ill\/injured worker has been 3-days away from work, two-thirds of the standard daily remuneration will be paid per day from the fourth day.\u00a0<\/p>\n
This period is limited to 1 \u00bd year\u00a0<\/p>\n
TAKE NOTE:<\/b> This does not apply to an employer who has exceedingly paid the amount of the sickness allowance.<\/p>\n<\/td>\n<\/tr>\n
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Maternity allowance<\/b><\/p>\n<\/td>\n
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During maternity leave, an employee who has not received compensation from her employer will receive two-thirds of the standard compensation per day from 42 days before<\/i><\/b> birth (98 days of multiple births) to 56 days after<\/i><\/b> delivery.<\/p>\n
TAKE NOTE:<\/b> If the expected delivery date is delayed, the benefit date will be increased by the number of days delayed.<\/p>\n<\/td>\n<\/tr>\n
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At Death<\/b><\/p>\n<\/td>\n
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If the insured person or a family member is deceased, the family or dependents will receive 50,000 JPY funeral assistance.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Exceeding Medical Expenses <\/b>If your monthly medical expenses exceed <\/span>\u00a5 <\/span>80,100 + (100% equivalent medical expenses – <\/span>\u00a5 <\/span>267,000) \u00d7 1%; the excess amount will be refunded based on your request.<\/span><\/p>\n
For foreigners who are registered and pay into the social security system are provided with the same care and support as their Japanese co-workers. On the other hand, illegal workers, who are neither registered with the government nor pay into the system, are not eligible for social security benefits.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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