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Home›Getting Married›Enrolling Your Spouse in Health Insurance & Pension

Enrolling Your Spouse in Health Insurance & Pension

If your spouse earns less than ¥1.3 million per year, they can be enrolled as a dependent (hifuyousha) on your health insurance plan. If you are a company employee, this covers both social health insurance and National Pension Category 3 enrollment. Self-employed / freelance couples must each enroll separately in National Health Insurance (Kokumin Kenko Hoken) and National Pension.

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Documents needed

Company employee
✓Health Insurance Dependent Addition Form (Hifuyousha Ido-todoke — obtain from your own employer's HR / general affairs department)
✓National Pension Category 3 Enrollment Form (submitted together with the above — your own employer handles submission)
✓Family Register Extract or Marriage Certificate (to prove marital relationship)
✓Copy of Residence Card (for foreign nationals)
✓Income verification documents (recent 3 months' pay stubs or tax exemption certificate)
Self-employed
✓National Health Insurance Application Form (available at your municipal office)
✓Residence Card or Special Permanent Resident Certificate
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Steps

1
Company employee

Inform your own employer's HR department (as the insured employee) that you wish to add your spouse as a dependent

2
Company employee

Complete and submit the Health Insurance Dependent Addition Form obtained from your employer

3
Company employee

Once approved, your spouse is recognized as a dependent and can use the Myna Insurance Card (My Number Card linked to health insurance). National Pension Category 3 enrollment is processed simultaneously (applies to spouses aged 20–59)

4
Self-employed

Since you are self-employed / freelance, you cannot add your spouse as a dependent on employer social insurance. Your spouse must independently enroll in National Health Insurance (Kokumin Kenko Hoken) and National Pension at the municipal office.

5
Self-employed

Visit the municipal office to apply for National Health Insurance enrollment, bringing your My Number Card or Residence Card (foreign nationals)

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Important notes

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Income test for dependent status: annual income under 1.3 million yen (under 1.8 million if aged 60+ or with a disability qualifying for disability pension; under 1.5 million if aged 19-22, excluding spouses), and — when living in the same household — less than half the insured person's annual income

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Dependent status means no additional insurance premiums. Note that criteria may vary by the employer's health insurance society

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Apply as soon as possible after the marriage is registered. Coverage typically starts from the application date — retroactive coverage is limited

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For foreign-national dependents, additional documents relating to residence status or period may be required during the review

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From April 1, 2026, the way annual income is assessed for dependent status changes: if the wage set in your employment contract implies annual income under 1.3 million yen and no other income is expected, you are in principle treated as a dependent

Official info verified: 2026-09-10 / Source: kyoukaikenpo.or.jp ↗
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