行政手続き
Social Insurance for Foreigners: Enrollment & Premiums Guide
Foreigners employed by a company enroll in social insurance (health insurance and employees' pension), which offers broader coverage than National Health Insurance.
① The Four Types of Social Insurance
- Health Insurance: You pay only 30% of medical costs
- Employees' Pension: Old-age, disability, and survivor benefits
- Employment Insurance: Income support when unemployed
- Workers' Accident Insurance: Compensation for work-related injury or illness
② Enrollment Requirements
If you meet the conditions below, foreigners are required to enroll just like Japanese nationals.
- Working 20+ hours per week
- Monthly income of ¥88,000 or more (from 2024)
- Expected to work 2 months or longer
③ Premium Estimates (monthly, employee's share)
| Monthly salary | Health Ins. | Pension | Total |
|---|---|---|---|
| ¥200,000 | ~¥9,900 | ~¥18,300 | ~¥28,200 |
| ¥300,000 | ~¥14,800 | ~¥27,450 | ~¥42,250 |
| ¥400,000 | ~¥19,700 | ~¥36,600 | ~¥56,300 |
💡 Your employer pays halfPremiums are split evenly between you and your employer. The figures above are the employee's share only.
④ Procedures When Leaving a Job
You lose social insurance coverage the day after you leave. Within 14 days, choose one of the following.
- Enroll in National Health Insurance: Apply at your city office
- Voluntary continuation: Keep your former health insurance for up to 20 months (apply within 20 days of leaving)
FAQ
Q: Can part-time workers join social insurance?Part-timers working 20+ hours a week and earning ¥88,000+ monthly may be required to enroll depending on company size (companies with 51+ employees from 2024).
Q: What is the difference from National Health Insurance?Social insurance has lower premiums and includes sickness and maternity allowances. National Health Insurance has no sickness allowance.
Q: Can foreigners receive unemployment benefits?Yes. If you are enrolled in employment insurance, you can claim benefits at Hello Work after leaving your job, provided your residence status is valid.
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