How Japan’s social insurance system provides peace of mind and financial relief for both routine and chronic health issues

Many workers in Japan have found that enrolment in Shakai Hoken offers benefits that go far beyond basic health coverage. From providing the freedom to seek medical care without financial worry to offering significant cost savings for those with chronic conditions, the system has proven invaluable for many.

“I simply have the choice to go to the doctor whenever I feel like I need to, without spending a ton of money on the day,” says Elsa, a union member. “I know that if I ever have a serious illness or injury, part of my salary will be covered. That gives me peace of mind.”

This peace of mind becomes even more crucial for those dealing with ongoing health issues. Another union member shared their experience after being diagnosed with diabetes:

“I was paying close to ¥60,000 a month for Kokumin Kenko Hoken (National Health Insurance) for family. After changing to Shakai Hoken, I was only paying close to ¥19,000 (as a single member) a month and my co-pay is only about ¥12,000 per month for my treatment. If it hadn’t been for that, I don’t know if I would be able to afford going to the doctor monthly for the check-ups and medicine required to keep my health in check.”

These experiences highlight the dual benefits of Shakai Hoken: it not only provides security for potential health issues but also offers significant financial relief for those requiring regular medical care.