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Premiums are higher because you pay full amounts without contribution from the employer because the employment relationship with the Company has ended. While the employment relationship with the Company has also ended for Special-Case Retired Persons, the method of calculating premiums is different. (See Q5 under the Q&A the Special-Case Retired Persons Medical Care System.)
Insurance premiums for a Voluntarily and Continuously Insured Person are calculated by multiplying the insurance premium rate by his or her standard monthly remuneration at the time you left employment or by average remuneration, whichever is lower.