IBM Japan Health Insurance Association

IBM Japan Health Insurance Association

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Health insurance membership

Employees of employers who are members of the Health Insurance Association are Society insured persons.
Family members who are members of the Society are known as “dependents”.

Tips
  • When you begin your employment, you become an insured person under the health insurance program.
  • Family members must meet certain conditions to be covered under health insurance.

The employee is covered as an insured person

An employee insured under health insurance is known as “an insured person”. Everyone working at an employer to whom health insurance requirements apply must be insured, irrespective of personal preference (excluding those who do not meet certain work-related standards, such as part-time employees).

Health insurance coverage for those working reduced hours (e.g., part-time employees)

Those whose designated number of working hours per week and designated number of working days per month are at least three-fourths those of full-time employees are eligible for health insurance coverage.
However, even those whose numbers of working hours and working days are less than three-fourths those of full-time employees are eligible for health insurance coverage if they meet all five of the following conditions:

  • Their designated number of working hours per week is at least 20 hours.
  • They expect to be employed continually for at least one year.
  • Their monthly wages are at least 88,000 yen.
  • They are not students.
  • They work for companies that consistently employ more than 500 insured persons (specially eligible establishments).

Period of eligibility

Eligibility for health insurance begins on the first day of employment and ends the day after the employee dies or leaves the employer. If a person becomes an insured person under the Medical Care System for the Advanced Elderly—for example, upon reaching age 75—he or she will lose eligibility as an insured person under the health insurance program, even if still employed.

In some cases, you may be able to remain in the Society as “a Voluntarily and Continuously Insured Person”, even after leaving the employer.

While you will lose eligibility upon leaving the employer, if you want to remain a Society member, you can join as “a Voluntarily and Continuously Insured Person” if you meet certain conditions.

Reference link

Family members are covered as “dependents”

Health insurance also provides insurance benefits to family members dependent on the insured person. These family members are known as “dependents”. Becoming a dependent requires meeting certain conditions and certification by the Health Insurance Association.

Period of eligibility

Reference link

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