Did you know that you could be overpaying for your health insurance in Japan? If you just arrived in Japan as an English teacher, this one tip could save you over ¥300,000 in your first year.
The “Social Insurance” (Shakai Hoken) Trap Most companies put their employees on Shakai Hoken. While it’s convenient, it usually costs around ¥30,000 per month. Over a year, that’s ¥360,000.
The First-Year Hack: National Health Insurance (Kokumin Kenko Hoken) In Japan, the premium for National Health Insurance (NHI) is calculated based on your previous year’s income in Japan.
If this is your first year living here:
- Your “previous year’s income” in Japan is ZERO.
- Therefore, your NHI premium could be as low as ¥3,000 to ¥5,000 per month.
The Math:
- Shakai Hoken: ¥30,000 x 12 = ¥360,000
- National Health Insurance: ¥5,000 x 12 = ¥60,000
- Total Savings: ¥300,000!
Is it Legal? Yes! As long as your contract and company allow it, choosing NHI in your first year is a legitimate way to manage your finances. However, keep in mind that in your second year, the price will go up as your income is recorded.
Disclaimer: Always check your specific contract and consult with your local city office.
[About the Author] I have been working in the English education industry in Japan for 6 years, managing hundreds of foreign instructors. I’m here to help you navigate the “real” Japan.
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