IBM Japan Health Insurance Association

IBM Japan Health Insurance Association

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After you leave your employer

After leaving your employer, you will lose your eligibility for membership in the Health Insurance Association and must join the appropriate medical care insurance program based on your individual circumstances.

Tips
  • Return your health insurance card soon after leaving employment.
  • You can remain a member of the Health Insurance Association if you meet certain conditions.(To replace for a health insurance card)
  • In some cases, you may continue to receive benefits even after losing your eligibility as an insured person.

Please return your health insurance card within five days after you leave your employer. Thereafter, you must join the appropriate medical care insurance program based on your individual circumstances.

Medical care insurance available after leaving your employer

HIA’s Medical Care System for Retired Persons (Special-Case Retired Persons Medical Care System)

You can receive benefits even after leaving your employer.

In some cases, persons who have been insured persons continuously for at least one year prior to leaving employment may be eligible to receive Injury and Sickness Allowance, the Childbirth and Childcare Lump-Sum Grant, Maternity Allowance, and funeral expenses, when the requirement is fulfilled, even after losing their eligibility.

However, in such cases, additional benefits will not be paid.

Benefits paid after leaving employment (benefits paid to the insured person only, not to dependents)

Injury and Sickness Allowance
Conditions for payment: You must have been receiving Injury and Sickness Allowance at the time you left employment and remain unable to work due to treatment of the sickness or injury.
Payment period:

Until the end of the period for receipt of Injury and Sickness Allowance

  • ** While you are not eligible to receive Injury and Sickness Allowance if you are receiving Old-Age Employees' Pension or similar benefits, you will be paid the difference if the amount of Old-Age Employees' Pension or similar benefits is less than the amount of the Injury and Sickness Allowance.
Reference link:
Maternity Allowance
Conditions for payment: You must have been receiving Maternity Allowance at the time you left employment
Payment period: Until the end of the period for receipt of Maternity Allowance
Reference link:
Childbirth and Childcare Lump-Sum Grant
Conditions for payment: The childbirth must have taken place within six months after loss of eligibility
Reference link:
Funeral Expenses/Funeral Costs
Conditions for payment: (1) Within three months after loss of eligibility (there is no requirement to have been an insured person for a period of one year or longer)
(2) While receiving Injury and Sickness Allowance or Maternity Allowance
(3) In the event of death taking place within three months after receipt of these benefits ended
Reference link:

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