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After an insured person leaves our company

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  3. After an insured person leaves our company

After an insured person leaves our company, they lose the qualification to be a member of the health insurance association. After leaving our company, you will be a member of medical insurance, according to individual circumstances.

POINT
  • Please return the health insurance card promptly after you leave our company. (You will not be able to use the health insurance card after leaving our company.)
  • There is a system which allows you to continue to be a member, as long as you meet certain conditions.
  • In some cases you are able to receive benefits even after the termination of insured person qualification.

Please return your health insurance card promptly on termination of insured person qualification. After leaving our company, you will be a member of medical insurance, according to individual circumstances.

Medical insurances that allow you to be a member after leaving our company

Medical insurances that allow you to be a member after leaving our company

When you continue to be a member of the Health Insurance Association

When an insured person leaves our company, insured person qualification for the health insurance scheme terminates automatically from the next day. However, if you meet certain conditions, you will be able to continue to be a member of the Health Insurance Association. This is called “voluntary continuation insured person system.”

Who can become a voluntary continuation insured person?

It is a requirement to meet all of the following conditions.

  1. You meet the insured person qualification for the health insurance scheme terminated due to leaving our company, etc.
  2. You have been an insured person for two consecutive months or more before the termination of qualification.
  3. You have applied to become a voluntary continuation insured person within 20 days after the termination of qualification.

Term approved as a voluntary continuation insured person

A maximum of two years from the date of becoming a voluntary continuation insured person.

* When you reach the age of 75, you will become a member of the medical care system for the elderly persons in later life, therefore your qualification will be terminated even if it is less than two years since you became a voluntary continuation insured person.

Insurance premium co-pay

You will have to pay the co-payment of an insured person and also that of the employer. When you become a voluntary continuation insured person, the employer will not co-pay your insurance premium. Please pay your insurance premium by the 10th day of each month.

* Submission of the “payment certification of health insurance premium and long-term care insurance premium” when filing final returns does not apply since FY2014 since attachment of certifications is not needed basically. However, presentation may be required for confirmation, so please therefore store your bank transfer statements and insurance premium guidance securely together. If you lose them, please contact the Health Insurance Association.

Standard remuneration amount

The standard remuneration, the basis of insurance premium calculation, will be the standard monthly remuneration as of the termination of qualification, or the average amount of standard monthly remuneration of all insured persons of the Coca-Cola Bottlers Japan Health Insurance Association as of the last day of September of the previous year (fiscal year 2016: 410,000 yen), whichever is lower.

Content of insurance benefits

Maternity allowance and sickness allowance will not be provided. All other benefits, including legal benefits and additional benefits, will be provided as they were during employment.

* If maternity allowance or sickness allowance were applicable at the termination of qualification, these benefits will continue to be provided.

When qualification as a voluntary continuation insured person terminates

If you fall into one of the following groups, your qualification as a voluntary continuation insured person terminates.

  1. Two years have passed from the day you became an insured person.
  2. The insured person dies.
  3. You do not pay your insurance premium by the designated payment date.
  4. You are re-employed and become an insured person of another health insurance scheme.
  5. You become an insured person of the medical care system for the elderly persons in later life.

You may receive benefits after leaving our company

A person who has been an insured person for twelve consecutive months or more before leaving our company, may receive sickness allowance, lump-sum allowance for childbirth and nursing, maternity allowance, or funeral fee (cost) after termination of qualification.

However, in the above cases, you will not receive further benefits.

Benefits after leaving our company (primary insured person only; benefits will not be provided to dependents)

Sickness allowance
Provision condition Those who are receiving sickness allowance on leaving our company and are not able to work due to a requirement for medical treatment for the disease or injury.
Provision period Expiration of period of receipt of sickness allowance

※If you are receiving old age welfare pension, etc., sickness allowance will not be provided. However, if the amount of old age welfare pension is lower than the sickness allowance, the difference will be provided.

Maternity allowance
Provision condition Those who continue to receive maternity allowance on leaving our company
Provision period Expiration of period of receipt of maternity allowance

Lump-sum allowance for childbirth and nursing
Provision condition The insured person gives birth to a child within six months after the termination of qualification

Burial fee (cost)
Provision condition
  1. Within three months after the termination of qualification (the person does not need to have been an insured person for more than a year)
  2. When you are receiving sickness allowance, maternity allowance
  3. The insured person dies within three months after cancelation of one of the above allowances

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