After you leave your employer

After leaving your employer or if your employment conditions change so that you no longer satisfy the eligibility requirements, 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.

Medical care insurance available after leaving your employer
You can receive benefits even after leaving your employer

Description
Procedures
FAQ

POINT

Return your health insurance card soon after leaving employment.
You can remain a member of the Health Insurance Association if you meet certain conditions.
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.
** If you are unable to return your health insurance card because you have lost it, you will need to submit a Notice of Inability to Return Certificate.

Medical care insurance available after leaving your employer

Type of medical care insurance	a)．Voluntarily and Continuously Insured Person	b)．National Health Insurance	c)．Dependent of family member
Take the steps required by	SUNTORY HEALTH INSURANCE ASSOCIATION	The municipal government that issued your certificate of residence	The family member’s health insurance association, etc.
Eligible period	Up to 2 years	－	－
Eligibility requirements	Must have been an Association insured person for at least two months. Must apply within 20 days after loss of eligibility.	For more information, check with the National Health Insurance Division of the municipal government in which you will apply.	For more information, check with the insurer (e.g., health insurance association) in which you will apply.
Insurance premiums	Calculated by multiplying your standard monthly remuneration at the time you left your employer by the insurance premium rate You will also need to pay the portion paid by your employer while you were employed.	Determined based on factors including your income in the previous fiscal year as calculated by the method used by each municipal government	None
Copayment for medical care costs	Identical

Reference link: Remaining a member of the Association (Voluntarily and Continuously Insured Persons)

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 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 18 months from the date on which payment of the Injury and Sickness Allowance began ** 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: If you take time off from work due to sickness

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: If you take time off from work for childbirth

Childbirth and Childcare Lump-Sum Grant
Conditions for payment:	The childbirth must have taken place within six months after loss of eligibility ** If you are using the system of direct payment of Childbirth and Childcare Lump-sum Grant to medical institutions, a certificate of loss of eligibility or other certifying document is required.

Reference link: Childbirth

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 within three months from the date of receipt of the benefits under (2) above ended

Reference link: Death

Click here for procedures.

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