간단 답변
NHI premiums are based on last year's income and vary by city — expect roughly ¥15,000-¥50,000/month for income of ¥2-5 million. Shakai Hoken is approximately 5% of your monthly salary (your share, employer pays another 5%). New arrivals with no prior income in Japan often start with minimum NHI premiums.
NHI Premium Calculation
NHI premiums have three components, and the exact rates vary by municipality (which is why NHI costs differ between cities):
| Component | How It Works | Typical Range |
|---|---|---|
| Income-based (所得割) | Percentage of prior-year income | 7-10% of taxable income |
| Per-capita (均等割) | Fixed amount per insured person | ¥30,000-¥55,000/year per person |
| Flat-rate (平等割) | Fixed per household (not all cities) | ¥0-¥30,000/year |
Shakai Hoken Premium Calculation
Shakai Hoken is simpler: your "standard monthly remuneration" (標準報酬月額) determines your premium bracket. The rate is roughly 10% of salary, split 50/50 with your employer.
Premium Examples by Income Level
| Annual Income | NHI (monthly, Tokyo Shinjuku) | Shakai Hoken (your share/month) |
|---|---|---|
| ¥2,000,000 | ~¥14,000 | ~¥8,300 |
| ¥3,000,000 | ~¥22,000 | ~¥12,500 |
| ¥4,000,000 | ~¥30,000 | ~¥16,700 |
| ¥5,000,000 | ~¥38,000 | ~¥20,800 |
| ¥7,000,000 | ~¥50,000 | ~¥29,200 |
| ¥10,000,000 | ~¥65,000 (near cap) | ~¥41,700 |
* NHI rates based on Shinjuku Ward 2025 rates. Shakai Hoken rates based on Kyokai Kenpo Tokyo branch. Actual amounts vary.
New Arrivals: First-Year NHI
If you have just arrived in Japan with no prior-year income recorded, your NHI premium in the first year may be only the per-capita amount (¥3,000-¥5,000/month). However, the following year's premium will jump based on your first year's earnings — plan accordingly.
⚠️ 면책 조항
Premium rates change annually and differ by municipality and insurer. The examples above are approximations. Contact your city/ward office (NHI) or employer (Shakai Hoken) for exact calculations.
최종 업데이트: April 2026.
