빠른 답변
일본에 3개월 이상 체류하는 외국인은 고용주가 제공하는 건강보험이 없는 경우, 일반적으로 지역 시청에서 국민건강보험(国民健康保険)에 가입해야 합니다. 국민건강보험은 대부분의 치료에 대해 의료비의 약 70%를 보장합니다.
일본의 국민건강보험 시스템에 가입하기 위해 외국인이 알아야 할 모든 것, 자격 요건, 비용, 그리고 지역 시청에서 신청하는 방법에 대한 정보입니다.
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일본에 3개월 이상 체류하는 외국인은 고용주가 제공하는 건강보험이 없는 경우, 일반적으로 지역 시청에서 국민건강보험(国民健康保険)에 가입해야 합니다. 국민건강보험은 대부분의 치료에 대해 의료비의 약 70%를 보장합니다.
빠른 답변
일본에 3개월 이상 체류하는 외국인은 고용주가 제공하는 건강보험이 없는 경우, 일반적으로 지역 시청에서 국민건강보험(国民健康保険)에 가입해야 합니다. 국민건강보험은 대부분의 치료에 대해 의료비의 약 70%를 보장합니다.
절차
- 1
Complete resident registration
Submit your moving-in notification at city hall to register your address.
- 2
Visit the NHI counter
Go to the National Health Insurance window at your city or ward office.
- 3
Fill out the application
Complete the NHI enrollment form provided by staff.
- 4
Submit documents
Present your residence card, passport, and My Number card or notification.
- 5
Receive your insurance card
Get a temporary certificate the same day; the official card arrives by mail in 1-2 weeks.
자주 묻는 질문
Can I use NHI at any hospital in Japan?
Yes. NHI is accepted at virtually all hospitals, clinics, and pharmacies across Japan. You can visit any facility without a referral, though large hospitals may charge an additional fee if you visit without a referral letter from a smaller clinic.
What happens if I go to the hospital without my NHI card?
You may need to pay 100% of the medical costs upfront. You can then apply for reimbursement at your city hall by submitting the receipts and your NHI card. The 70% covered portion will be returned to you.
Can my family members be covered under my NHI?
NHI does not have a dependent system like employer insurance. Each household member needs to be enrolled individually, but premiums are calculated and billed per household. All eligible family members living at the same address are enrolled under one household NHI policy.
Do I need NHI if I have travel insurance?
Travel insurance is separate from NHI. If you are a resident of Japan (staying more than 3 months with a residence card), you are expected to enroll in NHI regardless of any private or travel insurance you may hold.
How do I switch from employer insurance to NHI?
When you leave your employer, obtain a certificate of insurance loss from your previous insurer. Bring this certificate, your residence card, and My Number to your city hall within 14 days to enroll in NHI.
무료 보험 상담
무료 보험 상담 →건강보험 Guides
Explore more.
→→→→→→→→→→→→→
건강보험: Dental Treatment Under Japanese Insurance: What's Covered
What dental treatments are covered by Japanese health insurance — basic fillings, root canals, extractions, dentures. What is NOT covered — ceramics, whitening, orthodontics, implants.
건강보험: Going to the Hospital in Japan: What to Expect
A practical guide to visiting hospitals and clinics in Japan as a foreigner. What to bring, costs, language support, and etiquette tips.
건강보험: How Health Insurance Premiums Are Calculated (With Examples)
Understand how NHI and Shakai Hoken premiums are calculated with real examples — income-based, per-capita, flat-rate components. Premium tables by income level.
건강보험: How to Enroll in National Health Insurance in Japan
Step-by-step guide to enrolling in Japan's National Health Insurance (NHI). Documents, timeline, and what to expect at the city office.
건강보험: Japan's Healthcare System Explained: Why It's Ranked #1
How Japan achieves universal coverage with low costs — the fee schedule system, 70% coverage rate, clinic vs hospital, generic drug policy, and how it compares to the US and UK.
건강보험: Leaving Japan? Insurance Cancellation & Refunds
Complete guide to canceling health insurance before leaving Japan — NHI cancellation process, pro-rated premium refund, final tax settlement, and insurance-related departure checklist.
건강보험: Mental Health Resources for Foreigners in Japan
Finding mental health support in Japan as a foreigner. Counseling options, insurance coverage, hotlines, and English-speaking therapists.
건강보험: NHI vs Shakai Hoken: Which Insurance Do You Have?
Decision tree to determine your insurance type — Employee gets Shakai Hoken, self-employed/student gets NHI. Coverage differences, premium calculations, and dependent rules explained.
건강보험: Pregnancy & Childbirth in Japan: Complete Insurance Guide
Mother-Child Handbook, prenatal vouchers, childbirth lump-sum ¥500,000, what insurance covers and does not. Timeline of benefits and cost breakdown for delivery in Japan.
건강보험: Prescription Drugs: How the System Works & Costs
Japan's separated dispensing system explained — doctor prescribes, pharmacist dispenses. Generic drug options, drug interaction checks, and costs for common medications with insurance.
건강보험: Shakai Hoken vs Kokuho: Which Insurance Do You Need?
Compare Japan's two health insurance systems: Employee Insurance (Shakai Hoken) and National Health Insurance (Kokuho). Key differences explained.
병원 방문: 준비물과 진료 절차
First-time hospital visit guide — walk-in vs appointment, what to bring (insurance card, My Number, cash), clinic vs hospital, specialist referrals, and the full visit process.
영어 진료 가능한 의사·병원 찾기
Resources for finding multilingual medical care in Japan — AMDA helpline, JNTO medical guide, international hospitals by city, and medical interpretation services.
관련 절차
건강보험 — 도도부현
Find 건강보험 information specific to your area: