Rakuten KENPO

Rakuten KENPO

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After you leave your employer

After leaving your employer, you will lose your eligibility for membership in the Health Insurance Society 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 Society 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.

Medical care insurance available after leaving your employer

System for Voluntarily and Continuously Insured Persons (remaining a member of the Society)

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 Society 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.

Benefits paid to Voluntarily and Continuously Insured Persons

Although you will not receive a Maternity Allowance or Injury and Sickness Allowance, you will receive all other statutory benefits and additional benefits, just as you did when you were with your employer. (** If you are eligible to receive such benefits even after loss of eligibility, you will be paid a Maternity Allowance or Injury and Sickness Allowance as well. See "Benefits paid after leaving employment" below.)
You can continue to take advantage of various health activities, including health examinations and the RakuPo Plan (Cafeteria Plan), just as you did when you were with your employer. (You will no longer be eligible for employer reimbursement of personal costs or other additional services.)

Insurance premiums for Voluntarily and Continuously Insured Persons

You must pay the full amount of the applicable insurance premiums yourself, including the amount previously paid by your employer.
The amount of your monthly insurance premiums will be 8.1% of your standard monthly remuneration at the time you left employment (plus 1.30% for long-term care insurance premiums for those eligible for long-term care insurance).
However, note that a cap applies to the standard monthly remuneration used to calculate insurance premiums for Voluntarily and Continuously Insured Persons. In fiscal 2016, the Society applied a cap of 440,000 yen.

Thus, the actual amount you will pay for insurance premiums will be the lower of amounts A or B below.

A. Double the amount of health insurance premiums (including long-term care insurance premiums for those eligible for long-term care insurance) withheld from your salary before leaving employment.
B. 35,640 yen/month (40,348 yen/month including long-term care insurance premiums of 4,708 yen for those eligible for long-term care insurance)

** In principle, your insurance premiums will remain the same during your two-year period as a Voluntarily and Continuously Insured Person.
Fluctuating income will not affect this amount. The figure may be revised if you become eligible (because you turn 40) or ineligible (because you turn 65) for long-term care insurance or if annual revisions affect the insurance premium rate or the cap on standard monthly remuneration.

Loss of eligibility as a Voluntarily and Continuously Insured Person

You will lose your eligibility as a Voluntarily and Continuously Insured Person 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 become an insured person under the Medical Care System for the Advanced Elderly.

You may be able to receive benefits even after leaving your employer.

In some cases, those who were insured persons continuously for at least one year before 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, whether or not they become Voluntarily and Continuously Insured Persons.

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.
  • ** If you receive disability pension for the same injury for which you receive Injury and Sickness Allowance, you will be paid the difference between the two benefits.
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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