Health insurance
Shakai hoken vs kokumin kenko hoken: which insurance are you in
Shakai hoken is workplace health insurance plus pension. Kokumin kenko hoken is the city plan. See which one you belong in, what each costs and how to switch.
Employment insurance in Japan covers foreign workers too: 20 hours a week, 31 days, 0.5% of pay from April 2026. Who is excluded and how to check.
Employment insurance (雇用保険) in Japan covers foreign workers on the same terms as Japanese workers. You are enrolled if you work at least 20 scheduled hours a week and are expected to be employed for 31 days or more. Daytime students are excluded. As of October 2026, you pay 0.5% of your wages and a general-business employer pays 0.85%. It funds unemployment pay, training grants and childcare leave pay. From October 2028 the weekly minimum falls to 10 hours.
Yes, foreign workers are covered by employment insurance (雇用保険) in Japan, on the same terms as Japanese workers. You are enrolled if you work 20 or more scheduled hours a week and are expected to be employed for 31 days or more. As of October 2026, you pay 0.5% of your wages and your employer pays more. Daytime students are excluded.
Yes. The Ministry of Health, Labour and Welfare (厚生労働省) says labor and social insurance laws apply to foreigners regardless of nationality. Your employer enrolls you. You do not apply yourself.
You are insured when both are true:
The 31-day test is met unless it is clear the job will end sooner. A contract shorter than 31 days still counts if it says it may be renewed, or if similar contracts have lasted 31 days or more.
The Employment Insurance Act excludes, among others:
If you are on a student status and work part-time, you are normally not enrolled. Whether a particular course counts as daytime is decided case by case, so ask Hello Work, the public employment office. Agency (dispatch) workers on daily contracts or contracts of 30 days or less may instead be enrolled as day-laborer insured persons.
Your premium is a percentage of your total wages, taken from your pay. The rates below run from 1 April 2026 to 31 March 2027.
| Business type | You pay | Employer pays |
|---|---|---|
| General business | 0.5% | 0.85% |
| Agriculture, forestry, fisheries, sake brewing | 0.6% | 0.95% |
| Construction | 0.6% | 1.05% |
On ¥300,000 of wages in a general business, you pay ¥1,500. The rate was 0.55% in FY2025 (April 2025 to March 2026). The employer’s share includes 0.35% (0.45% in construction) for employment programs that workers do not pay. For other deductions, see take-home pay in Japan.
More than unemployment pay. According to Hello Work, it covers job loss, self-funded vocational training, childcare leave and shorter hours.
Foreign workers are sometimes missed. Your employer must also tell Hello Work your status of residence (在留資格) when you start and when you leave. Failure to report can bring a fine of up to ¥300,000 for the employer. Special permanent residents and 外交 or 公用 status holders are outside this reporting duty.
If you should have been enrolled but weren’t, you can be enrolled retroactively. When you leave, ask for your separation notice (離職票), which you need to claim benefits.
The minimum is set to fall from 20 to 10 scheduled hours a week from 1 October 2028, under a law passed in May 2024. More part-time workers will then be insured. We have not confirmed the detailed rules, so check Hello Work closer to the date.
Yes, if you meet the conditions. The Ministry of Health, Labour and Welfare says labor and social insurance laws apply to foreigners the same as Japanese. You are insured with 20 or more scheduled hours a week and an expected job of 31 days or more.
For FY2026 (April 2026 to March 2027), employees in a general business pay 0.5% of wages and the employer pays 0.85%. That is ¥1,500 on ¥300,000 of wages. Construction and farming rates are higher.
It is the insured person's certificate (雇用保険被保険者証). Hello Work advises checking while you are employed that you have it. Your employer enrolls you by filing a form with Hello Work.
Daytime students (昼間学生) are excluded under the Employment Insurance Act. If you work part-time while studying, you are normally not enrolled. Ask Hello Work if your case is unclear.
No. It also pays training grants of up to 80% of course costs, a benefit for training leave from October 2025, and childcare leave benefits.
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