For any firms with staff, as a business, it is obligatory to enter them into certain plans and participate in contribution payments based on their nationality. This includes Employment Insurance, which has two components:

  • 1. Unemployment Insurance (koyou hoken or shitsugyou hoken) and Workers’ Accident Compensation Insurance (roudousha saigai hoshou hoken). Governmental Hello Work takes care of the Unemployment Insurance, with typically 0.7% contributions coming from the employer and 0.4% from the employee.
  • 2.The Workers’ Accident Compensation Insurance, meanwhile, covers any employees or supervisors hurt, sickened, or deceased while carrying out their job-related duties or en route to/from work.
  • Premiums for employees’ insurance can range from 0.3% to 10.3% of the worker’s salary each month, with the more perilous vocations such as mining and coal production incurring the heftier costs. Such payments go towards providing: medical costs such as hospital expenses or house care if the individual uses the employer-designated health service; lost earning in the case of injury, illness, and so on, where the employer starts cashing out 2/3 of the missed wages from a predefined day; a pension if seriously injured and unable to work; and a survivor’s pension should the worst happen.
  • The employer will pay between 0.2% and 3.6% of the employee’s salary based on the industry and the number of employees.

Please Note: Generally, life insurance policy conditions state that life insurers may reduce or not make payment of insurance money and benefits regarding accident related riders in case of earthquakes.


Aioi Nissay Dowa Insurance, Allianz, Asahi Mutual Life Insurance


Chubb, Coface


Dai-ichi Life


Foreign Non-Life Insurance Association of Japan, Fukoku Mutual


General Insurance Association of Japan, Globalsurance


HDI-Gerling Japan


IBM Japan Health Insurance Association, Institute of Actuaries in JapanInternational Health Insurance


JA, Japan Automobile Federation, Japan Cooperative Insurance Association, Japan Earthquake Reinsurance, Japan Insurance Brokers Association, Japan Medical Insurance, Japan Post InsuranceJapan Reinsurance Federation of Consumers’ Cooperatives, Japanrisk Specialist, Japan Ship Owners’ Mutual Protection & Indemnity Association, Japan’s Insurance Market 2011, Japanese Society of Insurance Science


Kyoritsu Insurance Brokers of Japan


Lead Insurance Services, Life Insurance Association of Japan, Lloyds, Looking For Life Insurance As A Foreigner In Japan, Loss Adjusters’ Association of Japan, Loss Adjusting Association of Japan


Marsh Japan, Meiji Yasuda Life, Mitsui Sumitomo Insurance


National Agricultural Insurance Association, National Federation of Workers and Consumers Insurance Cooperatives, Nipponkoa Insurance, Nippon Export and Investment InsuranceNissay Life Insurance


Oriental Life Insurance Seminar, Orix Life


Sanwa Loss Adjusters, SBI Axa Life Insurance, Sompo Japan Nipponkoa, Sumitomo Life


T&D Financial Life, Takamoto Adjusters, Term Life For Foreigners In Japan, Toa Reinsurance, Tokio Marine Nichido


Uchiyama Loss Adjusting, University Co-operatives Mutual Federation


Viva Vida Medical Life