IBM Japan Health Insurance Association

IBM Japan Health Insurance Association

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Health insurance cards

You will be issued “a health insurance card” as proof of insurance when you join the Health Insurance Association.

Tips
  • Do not forget to show your health insurance card at the reception counter of the hospital when visiting for medical care.
  • Promptly notify the Health Insurance Association if you lose your health insurance card or there is any change in the information indicated on the card.

Showing your health insurance card at the counter of the hospital when seeing a doctor (insurance medical care institution) gives you access to the required medical care while paying only a portion of the associated costs.

Handling of health insurance cards

Altering/Defacing the health insurance card itself to change any of the information shown there (other than the address space) or transferring or loaning the card to another person is prohibited.

Promptly notify the Health Insurance Association if you lose your health insurance card or there is any change in the information shown on the card.

Reference link
Reference link

Members aged 70?74 are issued Elderly Benefits Cards

In addition to health insurance cards, the Association also issues Elderly Benefits Cards to members aged 70?74.

Depending on income, the Elderly Benefits Card will indicate whether you are responsible for a copayment of 30% or 20% (Note that the copayment is 10% through March 31, 2014).
When seeking medical care at a medical care institution, display your Elderly Benefits Card together with your health insurance card so that the institution can check your copayment status.

When Elderly Benefits Cards are issued:

  • At the end of the month in which an insured person or dependent turns 70 (or the preceding month if your birthdate is the first of the month)
  • When a person aged 70 or older is authorized as a dependent
  • When the copayment rate for an elderly recipient changes

Effective date

  • The first of the month subsequent to the month in which your 70th birthday falls (or your birthday if it is the first of the month)
  • Date of authorization as dependent for person aged 70 or older

Copayment

  • When an insured person turns 70
    • If your standard monthly remuneration is less than 280,000 yen: 20% (10% through March 31, 2014)
    • If your standard monthly remuneration is 280,000 yen or more: 30%*
      (Special-Case Retired Persons are included in Group “b.”)
  • For an insured person less than 70 years of age
    • when a dependent turns 70: 20% (10% through March 31, 2014)
  • For an insured person aged 70 or older, when a dependent turns 70
    • If your standard monthly remuneration is less than 280,000 yen: 20% (10% through March 31, 2014)
    • If your standard monthly remuneration is 280,000 yen or more: 30%*
      (Special-Case Retired Persons are included in Group “b.”)

In the cases indicated by asterisks (*) above, if the total annual income of persons aged 70 or older is less than the following base amounts, the persons are eligible to apply for a copayment of 20% (10% through March 31, 2014):

  • No dependent(s) aged 70 or older: 3.83 million yen
  • Dependent(s) aged 70 or older: 5.2 million yen

Returning your Elderly Benefits Card

Please return your Elderly Benefits Card in the following cases:

  • On the expiration date indicated on the card
  • You become an insured person under the Medical Care System for the Advanced Elderly
  • You forfeit your eligibility as an Association insured person or dependent
  • Your health insurance card symbol and/or number changes due to a job transfer or for other reasons

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