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Kokumin vs. Shakai Hoken-How To Calculate Which One Is Cheaper

In Japan, there are two types of social insurance systems available for employees: Kokumin Hoken and Shakai Hoken. Both systems offer different benefits and premiums, which can make it confusing for families to decide which system is cheaper for them. In this article, we will explore the differences between Kokumin and Shakai Hoken and provide a guide to calculating which system is cheaper for a family of three.

Kokumin Hoken is a national health insurance system that covers individuals who are not eligible for the Shakai Hoken system. This includes self-employed individuals, freelancers, and those who work for companies with fewer than five employees. The premiums for Kokumin Hoken are based on the individual's income, making it a more affordable option for those who earn less.

 

On the other hand, Shakai Hoken is a social insurance system that is available to employees of companies with more than five employees. It provides benefits for health, pension, unemployment, and workers' compensation. The premiums for Shakai Hoken are split between the employee and employer, with the employee's share calculated based on their salary.

 

To calculate which system is cheaper for a family of three, we first need to consider the income of the family. If the family's income is below a certain threshold, they may be eligible for reduced premiums under both systems. However, if the family's income is above the threshold, they will need to calculate the premiums for each system based on their income.

 

For example, let's say that the family's income is 6 million yen per year. Under the Shakai Hoken system, the employee's share of the premiums would be 9.15% of their salary, which would amount to approximately 275,000 yen per year. The employer would also pay an additional 9.15% of the employee's salary, bringing the total premiums to 550,000 yen per year.

 

Under the Kokumin Hoken system, the premiums are calculated based on the family's income. For a family with an income of 6 million yen per year, the premiums would be approximately 206,000 yen per year.

 

Based on these calculations, it appears that the Kokumin Hoken system is cheaper for the family of three. However, it's important to note that the benefits offered by each system differ. While Shakai Hoken provides coverage for pension and unemployment, Kokumin Hoken does not. Therefore, families should also consider which benefits are important to them when making their decision.

 

When deciding between Kokumin Hoken and Shakai Hoken, families should consider their income and the benefits offered by each system. By calculating the premiums for each system based on their income, families can determine which system is cheaper for them. It's important to remember that the decision should not be based solely on the cost, but also on the benefits that each system offers.

 

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