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.

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  • Return your health insurance card soon after leaving employment.
  • You can remain a member of the Health Insurance Association if you meet certain conditions. (A new health insurance card will be reissued with a new number.)
  • 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 loss of eligibility as an insured person when 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

After leaving your employer
Employed elsewhere
1 Become an insured person under the medical care insurance system of which your new employer is a member.
Not be employed elsewhere
2 Become a Voluntarily and Continuously Insured Person under the Health Insurance Association
3 Join the National Health Insurance system.
4 Become a Special-Case Retired Insured Persons under the Health Insurance Association.
5 Become a dependent of your spouse or child.
All persons aged 75 or older must join the Medical Care System for the Advanced Elderly.

Remaining a member of the Association

While you will lose your eligibility as an insured person under the health insurance system the day after you leave your employer, a system is available whereby you can remain an insured person under the Health Insurance Association if you meet certain conditions. This is known as the system for Voluntarily and Continuously Insured Persons.

Who can become a Voluntarily and Continuously Insured Person

To become a Voluntarily and Continuously Insured Person, you must meet all of the following conditions:

  • You must have lost your eligibility as an insured person under the health insurance system for specific reasons: for example, you left your employer.
  • You must have been an insured person for at least two consecutive months prior to the date you lost your eligibility.
  • You must apply to become a Voluntarily and Continuously Insured Person within 20 days after the date on which you lost your eligibility.

How long you can be a Voluntarily and Continuously Insured Person?

You can be a Voluntarily and Continuously Insured Person for up to two years.

  • * Since you must join the Medical Care System for the Advanced Elderly when you reach the age of 75, you will lose your eligibility as a Voluntarily and Continuously Insured Person at that point, even if two years have yet to pass.

Insurance premiums you are required to pay

You must pay the full amount of the applicable insurance premiums yourself, including the amount paid by the insured person and the amount previously paid by your employer. The employer will not pay any portion of your premiums after you become a Voluntarily and Continuously Insured Person. Remember to pay the premiums by the 10th of each month.

Standard monthly remuneration

The standard remuneration used as the basis for calculating your insurance premiums is the lower of the following: (1) your standard monthly remuneration when you lost your eligibility; (2) the average standard monthly remuneration of all insured persons who are members of the Health Insurance Association at the end of September of the previous year. Alternatively, as specified in the statutes of the Health Insurance Association, calculations may be based on the standard monthly remuneration under (1) above even if (1) is higher than (2).

※Due to a change in the terms of our health insurance association, (1) the standard monthly remuneration at the time of loss of eligibility will be applied.

  • * For those who have voluntarily joined before March 31, 2022 (retired on March 30), the standard monthly remuneration at the time of loss of eligibility, A comparison of the average standard monthly remuneration of all insured persons of this health insurance association as of the end of September of the previous year, whichever is lower.

Details of insurance benefits

Although you will not receive Maternity Allowance or Injury and Sickness Allowance, you will receive all other statutory benefits and additional benefits in the same way as you did when you were with your employer.

  • * If you are eligible to receive benefits even after loss of eligibility, you will be paid Maternity Allowance or Injury and Sickness Allowance as well.

Loss of eligibility as a Voluntarily and Continuously Insured Person

You will lose your eligibility as a Voluntarily and Continuously Insured Person on the following day (the same day in cases 4 and 5) in any of the following cases:

  • Two years have passed since the date you became an insured person.
  • Upon your death
  • You do not pay your insurance premiums by the date due.
  • You begin employment and become an insured person under another health insurance or similar program.
  • You join the Medical Care System for the Advanced Elderly as an insured person, etc.
  • If you applied to have your status as a Voluntarily and Continuously Insured Person cleared, the last day of the month including the date on which the application was received

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, 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, or satisfied the requirements to receive, 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:

For a total of 18 months counted from the payment start date of Injury and Sickness Allowance through the payment period

  • * 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.
  • * Payment of the Injury and Sickness Allowance will end if you become able to work after you leave your employer. In that case, aggregation of the payment period will not resume regardless of whether or not you have recovered and even if you again become unable to work due to the same injury or illness.
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Maternity Allowance

Conditions for payment:

You must have been receiving, or satisfied the requirements to receive, Maternity Allowance at the time you left employment

Payment period:

Until the end of the period for receipt of Maternity Allowance

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Childbirth and Childcare Lump-Sum Grant

Conditions for payment:

The childbirth must have taken place within six months after loss of eligibility

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Funeral Expenses/Funeral Costs

Conditions for payment:

When the death of an insured person meets any of the following conditions:

  • 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)
  • While receiving Injury and Sickness Allowance or Maternity Allowance
  • In the event of death taking place within three months after receipt of these benefits ended
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