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Dependent certification criteria

  • Description
  • FAQ

Certification conditions

  1. 1.The family member must be within the scope of dependents specified in the Health Insurance Act.
  2. 2. The family member must not currently be covered by other health insurance (other than National Health Insurance).
    Note: You cannot apply to name a family member aged 75 or older as a dependent. Such individuals are covered by the Medical Care System for the Advanced Elderly.
  3. 3.There must be no other family member with a superseding obligation to care for the family member as his or her dependent. (Superseding obligation to care for the family member: e.g., the family member’s spouse; your father if the family member is your mother; your parents if the family member is a sibling or a grandparent.)
  4. 4. If another family member has a superseding obligation to care for the family member as his or her dependent, explain why he or she does not have the ability to do so and why the insured person must support the family member as a dependent.
  5. 5.The family member must rely primarily on the insured person for his or her livelihood (i.e., the insured person must pay most of the family member’s cost of living).
  6. 6.The insured person must have the ability to provide for the livelihood of the family member.
  7. 7.The family member must satisfy the income requirements for dependent eligibility.
  8. 8.A child of two parents who both work (unless one is on leave) is to be the dependent of the parent whose income is higher.
    In a family with multiple children, all children must be the dependents of the parent whose income is higher. The Health Insurance Act does not permit children in the same family to be dependents of different parents.

<Cases in which individuals do not qualify for dependent status>

  1. 1.Family members who go abroad on programs, such as a working holiday or as a Japan Overseas Cooperation Volunteer, do not qualify for dependent status. You are responsible for taking the steps necessary to suspend/terminate their dependent status.
  2. 2.Self-employed family members (including those employed in agriculture, fisheries, or forestry) cannot qualify for dependent status. Since self-employed family members are responsible for all results of their business activities, including sales, expenses, and business conditions, they are regarded as solely responsible for their livelihood. Self-employed family members must join National Health Insurance.

Income requirements for dependent eligibility

1.Dependent income standards

  1. (1)The family member’s income must not exceed the following amounts:
    Income example Unit Income standard
    Under 60 years of age Aged 60
    or older or under 60 but eligible to receive disability pension
    Unemployment benefits, Injury and Sickness Allowance, Maternity Allowance, or other income paid on the daily basis Daily amount Less than 3,612 yen Less than 5,000 yen
    Salary (before deductions, including transportation expenses and bonuses), pension benefits (public or private), remittances, or other recurring income Monthly amount Less than 108,334 yen Less than 150,000 yen
    Real estate income, interest, investments, or other income (income whose amounts cannot be ascertained without completing a final income tax return) Annual amount Less than 1.3 million yen Less than 1.8 million yen
    • **If a family member has multiple sources of income, determination of eligibility will be based on his or her total income.
    • **In some cases, expenses deducted from income for tax purposes are not deductible for health insurance purposes.
    • **In principle, all income is included, whether taxable or not.
  2. (2)The family member’s income must be less than one-half that of the insured person.
  3. (3)If the family member lives apart from the insured person, his or her annual income must not exceed the allowance remitted to him or her by the insured person.

2.Scope of income

  1. (1)Salary income (before taxes and other deductions, including allowances such as transportation expenses; includes nontaxable income and bonuses)
  2. (2)Pension income (all pensions both public and private, whether taxable or not)
    Examples: Employees’ Pension, National Pension, mutual aid association pensions, corporate pensions, Suntory pension, survivors’ pensions, disability pension, private pensions, etc.
  3. (3)Real estate income (rental income on land, buildings, parking lots, etc.)
  4. (4)Interest income (interest on deposits, securities, etc.)
  5. (5)Investment income (stock dividends, etc.)
  6. (6)Miscellaneous income (payment for manuscripts, royalties, payment for speeches, etc.)
  7. (7)Injury and Sickness Allowance and Maternity Allowance from health insurance
  8. (8) Unemployment benefits under employment insurance (Hello Work)
  9. (9)Allowances from persons other than the insured person (living expenses, child support, etc.)
  10. (10)Other recurring sources of income (capital gains, etc.)
    *Excludes one-time temporary income.

How income is treated:

  • ● If the family member began working (or the amount of pension benefits he or she receives changed) during the year:
    ⇒ Based on estimated income starting the first day of employment (or first day of change in benefits amount)
  • ● If the family member has left his or her employer:
    ⇒ Income considered to be zero yen if the family member receives no income after leaving his or her employer

●Allowances remitted to family members living apart from the insured person

To be eligible as dependents, family members living apart from the insured person must rely on recurring allowance remittances from the insured person, via a financial institution, for the majority of his or her livelihood.

Cases in which allowances are not necessary even if the family member lives apart from the insured person:
A.The family member lives apart from the insured person due to an unaccompanied job posting.
B.A child who is a student lives apart from the insured person to attend school.

●Date of dependent certification

The date of dependent certification is the date on which the Health Insurance Association confirms the facts of dependency following submission of the Notification of Health Insurance Dependent (Change) and other necessary documents.
(The following exceptions apply: (1) in case of childbirth, the child’s date of dependent certification is his or her date of birth. In cases of (2) marriage, (3) changes due to leaving employment, or (4) changes due to loss of eligibility as a Voluntarily and Continuously Insured Person after leaving employment, if the insured person applies within one month after such change, the date of certification is retroactive to the date on which the reason for making the family member a dependent arose.)

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