Japanese for Insurance & pension: words you will actually hear
34 words used in real life in Japan — Insurance & pension — with readings, meanings and example sentences.
保険証
ほけんしょう
health insurance card shown at clinics/pharmacies
Example
すみません、保険証をお持ちですか。
Excuse me, do you have your insurance card with you?
天引き
てんびき
automatic deduction from salary before payment
Example
健康保険料は給料から天引きされます。
Health insurance premiums are automatically deducted from your salary.
控除
こうじょ
deduction (of tax, insurance premium, etc.)
Example
給与明細の「社会保険料控除」の欄を確認してください。
Please check the "social insurance premium deduction" line on your payslip.
扶養
ふよう
being financially dependent on someone (for insurance/tax purposes)
Example
妻を扶養に入れることはできますか。
Can I add my wife as a dependent (for insurance)?
被扶養者
ひふようしゃ
dependent (person covered under someone else's health insurance)
Example
配偶者を被扶養者として登録してください。
Please register your spouse as a dependent.
労災
ろうさい
workers' compensation insurance / work-related injury (short form)
Example
これは労災になりますか、会社に確認してください。
Does this count as a work injury? Please check with the company.
雇用保険
こようほけん
employment insurance (unemployment/employment insurance)
Example
雇用保険は給料から少しだけ引かれています。
A small amount is deducted from your salary for employment insurance.
厚生年金
こうせいねんきん
Employees' Pension Insurance (for company employees)
Example
会社員は厚生年金、自営業者は国民年金に加入します。
Company employees join the Employees' Pension, while self-employed people join the National Pension.
国民年金
こくみんねんきん
National Pension (basic pension for self-employed/unemployed)
Example
学生でも国民年金の保険料を払う必要があります。
Even students are required to pay National Pension premiums.
免除
めんじょ
exemption (from paying a premium, fee, etc.)
Example
収入が少ないので、国民年金の免除を申請しました。
Since my income is low, I applied for an exemption from National Pension payments.
標準報酬月額
ひょうじゅんほうしゅうげつがく
standard monthly remuneration (basis for calculating social insurance premiums)
Example
標準報酬月額が上がると、将来もらえる年金額も増えます。
If your standard monthly remuneration goes up, your future pension amount will also increase.
第3号被保険者
だいさんごうひほけんしゃ
Category-3 insured person (spouse of an employee, exempt from own contributions)
Example
専業主婦は多くの場合、第3号被保険者として国民年金保険料を払わなくていいんです。
Full-time homemakers are, in many cases, classified as Category-3 insured persons and don't need to pay national pension premiums themselves.
傷病手当金
しょうびょうてあてきん
sickness allowance (paid by health insurance during medical leave)
Example
病気で1か月休んだので、傷病手当金を申請しました。
Since I took a month off due to illness, I applied for the sickness allowance.
扶養に入る
ふようにはいる
to be added as someone's dependent
Example
奥さんを扶養に入れると社会保険料が変わりますか。
Does adding my wife as a dependent change the insurance premium?
国民健康保険
こくみんけんこうほけん
National Health Insurance
Example
退職したら国民健康保険に切り替えます。
After leaving the company I'll switch to National Health Insurance.
社会保険
しゃかいほけん
employee social insurance
Example
週20時間以上働くと社会保険に入ることになります。
Working 20+ hours a week puts you into social insurance.
失業手当
しつぎょうてあて
unemployment benefit
Example
失業手当は離職票を持ってハローワークで申請します。
Apply for unemployment benefit at Hello Work with your separation notice.
基礎年金番号
きそねんきんばんごう
basic pension number
Example
入社時に基礎年金番号を聞かれます。
You'll be asked for your basic pension number when you join a company.
ねんきん定期便
ねんきんていきびん
annual pension statement
Example
ねんきん定期便で納付記録を確認してください。
Check your contribution record on the annual pension statement.
脱退一時金
だったいいちじきん
lump-sum withdrawal payment (pension refund for departing foreigners)
Example
帰国後2年以内に脱退一時金を請求してください。
Claim the lump-sum withdrawal within two years of leaving Japan.
介護保険料
かいごほけんりょう
long-term care insurance premium
Example
40歳になった月から介護保険料が引かれます。
Long-term care premiums are deducted from the month you turn 40.
資格取得
しかくしゅとく
acquisition of (insurance) eligibility
Example
入社日が資格取得日になります。
Your date of hire is your insurance eligibility acquisition date.
二以上事業所勤務
にいじょうじぎょうしょきんむ
working at two or more workplaces simultaneously (requiring combined insurance procedures)
Example
二以上事業所勤務の場合は、主たる事業所を選択する届出が必要です。
If you work at two or more companies at once, you need to file a notice choosing your primary workplace.
出産育児一時金
しゅっさんいくじいちじきん
childbirth lump-sum allowance
Example
出産育児一時金は病院に直接支払われます。
The childbirth allowance is paid directly to the hospital.
限度額適用認定証
げんどがくてきようにんていしょう
certificate of eligibility for ceiling-amount application
Example
入院が決まったら限度額適用認定証を申請しておくと安心です。
Once a hospital stay is scheduled, apply for the ceiling certificate in advance.
保険適用外
ほけんてきようがい
not covered by insurance
Example
この治療は保険適用外なので全額自己負担です。
This treatment isn't covered, so you pay the full cost.
加入
かにゅう
enrolment (in insurance or a scheme)
Example
国民年金への加入は義務です。
Enrolment in the national pension is compulsory.
第三号被保険者
だいさんごうひほけんしゃ
Category-3 insured person (dependent spouse exempt from paying pension premiums directly)
Example
夫の扶養に入っているので、私は第三号被保険者になっています。
Since I'm a dependent of my husband, I'm classified as a Category-3 insured person.
保険料
ほけんりょう
insurance premium
Example
保険料の納付書が毎月届きます。
The premium payment slip arrives every month.
猶予
ゆうよ
grace period / deferral (of payment)
Example
収入が少ない学生は国民年金保険料の納付猶予を申請できます。
Students with low income can apply for a payment deferral on national pension premiums.
高額療養費
こうがくりょうようひ
high-cost medical care benefit (refund system for medical expenses above a monthly cap)
Example
手術で医療費が高額になったので、高額療養費の申請をしてください。
Since the surgery made medical costs very high, please apply for the high-cost medical care refund.
任意継続
にんいけいぞく
voluntary continuation of former employer's health insurance after leaving a job
Example
退職後は国民健康保険にするか、任意継続にするか選べます。
After leaving your job, you can choose between national health insurance or voluntarily continuing your former employer's plan.
離職票
りしょくひょう
certificate of employment separation needed to claim unemployment benefits
Example
ハローワークに行く前に、会社から離職票を受け取ってください。
Before going to Hello Work, make sure you receive the certificate of separation from your company.
保険料免除
ほけんりょうめんじょ
premium exemption (for national pension, based on low income)
Example
収入が減ったので、国民年金の保険料免除を申請しました。
Since my income dropped, I applied for an exemption from national pension premiums.
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