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Forcing Insurance on you

 
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starteacher



Joined: 25 Feb 2009
Posts: 237

PostPosted: Mon Jun 08, 2009 8:27 am    Post subject: Forcing Insurance on you Reply with quote

I have heard of a few places where the company/school is forcing the teacher to take the health insurance within 2-4 weeks of joining that company/school, otherwise the contract is terminated. The company usually recommends a company(s) for this, which you can even find in any magazine or newspaper advertised for gaijins (hence aimed not only for teachers but all foreigners).

Is this legal ? The forcing part, and the recommendation ?

Eventually, the insurance premiums will be taken out of your monthly salary.
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ripslyme



Joined: 29 Jan 2005
Posts: 481
Location: Japan

PostPosted: Mon Jun 08, 2009 8:44 am    Post subject: Reply with quote

It's not legal. Stay away from any company that does this.

If you really want to work at a place that does this, tell them you want Shakai Hoken instead (the national health insurance and pension plan). It's expensive, but you can get the majority of (3-year's worth of) your payments into this refunded when you return to your home country.

The company may reply that you can go on Kokumin Kenko Hoken (national health insurance, commonly referred to as NHI) which is pretty cheap for year 1 but goes up quite a bit for year 2 and on (as it is based on your previous year's salary).
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Glenski



Joined: 15 Jan 2003
Posts: 12844
Location: Hokkaido, JAPAN

PostPosted: Mon Jun 08, 2009 11:22 am    Post subject: Reply with quote

ripslyme wrote:
The company may reply that you can go on Kokumin Kenko Hoken (national health insurance, commonly referred to as NHI) which is pretty cheap for year 1 but goes up quite a bit for year 2 and on (as it is based on your previous year's salary).
And, if the company has a bare minimum of a handful of employees and meets certain other minimal requirements, they are obligated by law to offer you shakai hoken. Some places skirt this with a legal loophole, though. They will count only your hours in the classroom and declare you to be a PT worker if you "work" less than 29.5 hours per week. That means you are not obligated to get shakai hoken.
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