How to say "insurance" in Japanese

Choosing the right word
  • 保険ほけんJLPT N1approx.Common
    nounThe common everyday word for insurance in all its ordinary senses, whether coverage you take out or insurance as a system or product. Whatever the type of insurance, this is the word you want.
    この保険ほけんは何なんもかもカバーする。↗
    This insurance covers everything.
  • nounA katakana loanword taken straight from English 'insurance'. It is less common than 保険 and seldom the word you want; in ordinary contexts use 保険 instead.
  • 付保ふほ
    noun, suru verbA technical term for the act of insuring something or placing insurance coverage on it, found mainly in insurance-industry and financial writing. Not the everyday word for insurance; use 保険 in ordinary speech.

Use 保険 for insurance in any everyday sense; 付保 is a technical term for the act of insuring or placing coverage, while 「インシュランス」 is a less common loanword and seldom the word you want.

Usage comparisons are AI-assisted and cross-checked by multiple models; for study reference only

Japanese equivalents

JLPT vocabulary levels are community estimates, not official (no official lists have been published since the 2010 revision).

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