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국민건강보험·연금

가입 절차 및 면제 신청

일본 국민건강보험 및 연금 제도 가입 방법과 면제 신청 안내.

⏱️소요 시간: 1–2 hours at city hall

💴비용: Varies by income (exemptions available)

📍장소: Local City Hall (市役所/区役所)

🔗공식 웹사이트

⚠️주의

•Failing to enroll results in backdated premium billing — you may owe months of unpaid premiums.
•Health insurance cards must be renewed annually.

📋Step-by-Step Guide

Enroll in National Health Insurance (国民健康保険)

Visit your local city hall within 14 days of arrival or after losing company insurance. You'll need your residence card, passport, and My Number.

💡 팁: If you have company-sponsored health insurance (社会保険), you don't need to enroll in National Health Insurance.

Apply for premium exemption if applicable

Low-income residents can apply for partial or full exemption of National Pension premiums. Apply at your city hall with proof of income (or lack thereof).

Enroll in National Pension (国民年金)

Most foreign residents working in Japan are required to contribute to the pension system. Your employer handles this if you have company insurance.

Receive your Health Insurance Card (保険証)

Your health insurance card is mailed within 1-2 weeks. Present it at hospitals to receive the standard 30% copay rate.

Track your pension contributions (年金記録)

Use "ねんきんネット" (Nenkin Net) online to check your pension records and estimate your future benefits.

💡Helpful Tips

✓Lump-sum pension withdrawal is available when leaving Japan permanently — you can claim back contributions.
✓The health insurance copay is typically 30% for adults (70% covered by insurance).
✓If you lose your job, apply for the special reduced premium rate immediately.

📄필요 서류

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Residence card (在留カード)

필수

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Passport

필수

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My Number card or notification letter

필수

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Bank account information

For premium payment setup

필수

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Previous year income certificate

For exemption application

선택

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Social insurance loss certificate

If leaving company insurance

선택

📥 Download Checklist PDF