If you’re working in Japan, understanding Shakai Hoken — or social insurance — is important. Whether you're Japanese or a foreign resident, this system supports your health and financial security while you live and work in the country.

What Is Shakai Hoken?

Shakai Hoken is Japan’s social insurance program for company employees. It includes:

1. Health insurance (for medical and dental care)
2. Pension insurance (for retirement income)
3. Long-term care insurance (for people aged 40 and over)

This insurance helps cover the cost of medical treatment, provides income during retirement, and supports care needs in old age.

Who Needs to Join?

If you work for a company in Japan, joining Shakai Hoken is usually required. You must join if all of the following apply:

1. You work 20 hours or more per week
2. You earn at least 88,000 yen per month
3. Your job is expected to last 2 months or more
4. You are not a full-time student
5. Your company has 51 or more employees

If your company is smaller, you might still be enrolled depending on the situation.

How Much Does It Cost?

The cost is based on your monthly salary and shared between you and your employer.

Roughly:

1. Around 14% of your salary goes to health insurance
2. Around 18% goes to pension insurance

You pay half, and your employer pays the other half. The exact amount changes depending on your salary, bonus, and location.

What Do You Get?

Shakai Hoken gives you:

1. A health insurance card, which allows you to pay only 30% of medical costs
2. Pension payments when you retire
3. Financial help if you're sick and can’t work
4. Insurance for your dependents (like spouse and children), if eligible

Why It Matters

Shakai Hoken is not just a rule — it gives you real support. It protects you from high medical bills, helps you prepare for the future, and ensures peace of mind while working in Japan.

If you are eligible, your employer must register you from your first day of work. Make sure you’re enrolled correctly, and ask your HR department if you're unsure.