National Health Insurance Premium (Tax)
- Japanese
- 国民健康保険料(税)
Insurance Premium (Tax depends on municipalities) occars once you take out National Health Insurance.
Reduction, Examption, Deduction
Reduction of insurance premiums due to loss of income
For those who have left their jobs due to unavoidable reasons (involuntary unemployment), the national insurance tax will be reduced by declaration. From the month following the day of leaving the job to the month of March of the following year, the salary income is regarded as 30/100 and calculated after reviewing the income of other members in the same household.
- People who left their job due to the circumstances of the employer
- Specific Qualified Recipients of employment insurance
- Specific Reason Recipients
You will need to complete a process at Hello Work first.
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Payment Amount
Calculation period
It will be calculated on a monthly basis if you join or withdraw between the dates of March the 1st - April the 1st.
Payment
Depending upon the regulations of your region you will pay between 4-8 instalments.
Insurance fee
The insurance premium rate varies depending on the municipality of your governing region, and varies slightly in rate due to age and/or your family composition, but generally it will be between 10% to 15% of the previous year's income.
Insurance premium calculation
The insurance premium is the total of the following three items.
Income Levy
The total amount of your previous year's income-C22 (calculated by each person insured and then add -430,000 yen x about 10%).
Per Capital Basis
This will depend on the size of your family.
Equal rate
The same fee is applied to every household, and the maximum annual insurance premium is 990,000 yen, so the fee you are charged will not exceed this amount.
Reduction of insurance premiums
Insurance premiums for low-income households will be reduced by 20-70% on a per capita rate and an equal rate.
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Others (Note,important Points, Points)
- If you have to pay National Health Insurance Premium (Tax) to your municipality and do not pay the tax before the fixed payment deadline, there will be severe punishment applied, such as the claiming of real estate, personal savings, and/ or the seizing of your other possessions. In any case, if it is difficult to pay or if you cannot pay before the deadline, it is recommended that you consult with the municipality as soon as possible.
- Insurance premium rates are lower in cities with a large population that have more young people, and tend to be higher in rural areas with a smaller population and more elderly people.