Optional Continued Health Insurance System
The Optional Continued Health Insurance System enables individuals who have been an insured person for two or more months before their resignation or retirement to stay enrolled as an insured person of the EY Japan Health Insurance Society for up to 2 years after losing eligibility.
Insured persons with optional continued insurance receive insurance benefits similar to those that were available while employed. However, these individuals are not eligible to receive injury and illness or childbirth allowance benefits.
(Allowances are paid if the requirements for optional and continued benefits have been met by the person at the time of resignation or retirement.)
Notes on Enrollment
- Please submit the Application for Voluntary Continued Health Insurance Coverage within 20 days after leaving the company. Applications by phone or email are not accepted. If the application arrives even one day late, it cannot be accepted.
- Insured persons qualify to enroll in optional continued insurance upon loss of their eligibility as a regular insured person. Thereafter, the enrollee is responsible for submitting notifications, paying insurance premiums, and any other such obligations. (The EY Japan Health Insurance Society does not provide any reminders about these obligations.)
- National Health Insurance premiums (taxes) may cost less than optional continued insurance if an individual has lost their job due to company circumstances.*
*The EY Japan Health Insurance Society does not have details about these health insurance programs and premiums. Please contact the National Health Insurance section of your local municipality.
*Documents may be submitted in advance via internal mail (To: 日比谷15階 EY健保組合).
*Please consider enrolling only after reviewing all of the information above.
All Insurance Premiums are the Responsibility of the Individual
The insurance premiums for individuals covered by optional continued insurance are calculated by multiplying standard monthly remuneration by the insurance premium rate, in the same manner as the premiums when the individual was a regular insured person.
Standard monthly remuneration of insured persons with optional continued insurance
Pages 3–4 show the monthly amount for voluntary continuation. The lower amount applies.
- The standard monthly remuneration of the individual at the time of resignation or retirement
- The average standard monthly remuneration of the EY Japan Health Insurance Society as of September 30 of the previous fiscal year(Premium Table maximum for Voluntary Continuation)
In addition, insured persons with optional continued insurance are responsible for paying the entire premium because employers no longer pay a portion of insurance premiums. Moreover, individuals age 40 or older but under age 65 are also responsible for the entire amount of long-term care insurance premiums.
*For your Standard Monthly Remuneration and insurance premium, please refer to your payslip and the premium table.
Enter the required information on the “Application Form for Certification as Voluntarily and Continuously Insured Person” and submit it directly to the health insurance society “within 20 days” after losing qualification (starting on the day after your retirement date).
*Refer to the “Society Profile” page for the submission address.
The EY Japan Health Insurance Society issues an Eligibility Notification, an Eligibility Confirmation Document, etc. to individuals as insured persons with optional continued insurance after they have completed the filing procedures. (The health insurance code and number also changed.)
Required Documents
- Application Form for Certification as Voluntarily and Continuously Insured Person
PDF
Registration Process
The registration process is as follows:
- After you leave the company, your employer will process your withdrawal from the health insurance plan.
- Within 20 days after leaving the company, submit the Application for Voluntary Continued Health Insurance Coverage to the Health Insurance Society. Advance document submission via internal mail is also available.
- The Health Insurance Society will register your coverage and send you an invoice for the first premium payment.
- The process is completed once the first premium is paid by the due date. Please note that if the first premium is not paid by the due date, you will not be eligible for voluntary continued coverage.
Payment Method and Deadlines
As a general rule, insured persons with optional continued insurance transfer insurance premium payments to an account designated by the EY Japan Health Insurance Society. (Statements of payment include account details for the wire transfer)
*Please note that EY Japan Health Insurance Society cannot accept the direct delivery of cash payments or issue an Eligibility Notification, an Eligibility Confirmation Document, etc. on the spot.
When you will receive medical treatment before an Eligibility Notification is issued by the EY Japan Health Insurance Society, please notify a medical institution that you are in the process of applying for optional continued insurance. Once you receive your an Eligibility Notification, an Eligibility Confirmation Document, etc. , please present it to the medical institution.
Please note that you will not be able to receive medical treatment at a medical institution by presenting only the Eligibility Notification. You will need to present it along with your Individual Number Card.
If your health insurance eligibility can be confirmed with your Myna Health Insurance Card, you do not need to present your Eligibility Notification.
|
First insurance premium payment
|
Please pay your insurance premium by the date specified by the EY Japan Health Insurance Society (shown on the statement of payment).
If the first insurance premium is not paid by the payment deadline without a valid reason, the individual loses their qualification as an insured person with optional continued insurance.
|
|
Second and subsequent insurance premium payments
|
Please pay the monthly health insurance premiums by the 10th of each month.
The EY Japan Health Insurance Society also has a prepayment system which offers a discount on health insurance premiums paid in six-month or twelve-month installments. If an insured person with optional continued insurance withdraws after prepayment, the EY Japan Health Insurance Society will reimburse any remaining insurance premiums.
|
About the Prepayment System
A discount will apply if you pay your insurance premiums in a lump sum.
Payment Method
|
Six-month payment
|
Payments in a six-month installment from April to September and October to March of the following year
|
|
Twelve-month payment
|
Payments in a twelve-month installment from April to March of the following year
|
|
Payment Deadline
|
Prepayments are due by the end of the month before start of the first month
|
*Prepayment discounts do not apply if a payment arrives in the EY Japan Health Insurance Society account after the payment deadline.
*The EY Japan Health Insurance Society reimburses insurance premiums to an insured person with optional continued insurance who enroll in a different health insurance plan through an employer for payments made from the month of enrollment in the new health insurance plan. (Notification required)
*In the case of withdrawal by request, the EY Japan Health Insurance Society will reimburse premiums to an insured person with optional continued insurance from the month following the month of the request up to the period for which the premiums were paid. (Notification required)
Loss of Eligibility
Individuals lose their eligibility as insured persons with optional continued insurance if any of the items below apply.
| Case |
Required Documents / Action |
Coverage End Date |
| Coverd by another health insurance plan |
Submit Notfication of Loss of Volutary Continued Coverage |
Coverage ends in the date you join the new plan |
| Request to withdraw from voluntary continued coverage |
Submit Notfication of Loss of Volutary Continued Coverage |
Coverage ends in the 1st day of the month after receipt of the notification |
| Premium not paid by the due date |
Autmatic termination(no prior notice) |
Coverage ends in the day after the due date. First premium unpaid:application canceled |
| Coverage period(max.2 years)ends |
Autmatic termination |
Coverage ends in the day after the coverage period ends |
| Death of the insured person |
Family member submits Notification of Loss of Voluntary Contiuerd Coverage |
Coverage ends in the day after the date of death |
| Enrollment in the Late-Stage Elderly Healthcare System(age 75) |
Autmatic termination |
Coverage ends in the day you raech age 75 |
If you lose your eligibility, please return the Eligibility Confirmation Document (only if issued) promptly. After an individual loses eligibility as an insured person with optional continued insurance, if the individual mistakenly uses the EY Japan Health Insurance Society's insurance to receive medical treatment, the individual must reimburse the EY Japan Health Insurance Society for the full amount of medical expenses and other benefits paid by the EY Japan Health Insurance Society.
Required Documents
Please submit the necessary materials within five days after losing eligibility as an insured person with optional continued insurance.
Except when the individual has voluntarily requested to relinquish their eligibility.(Refer to the “Society Profile” page for the submission address.)
- Application for Forfeiture of Status as an Insured Person with Optional Continued Insurance
PDF
- Eligibility Confirmation Document, Elderly Beneficiary Health Insurance Card Certificate of Medical Treatment for Specified Diseases, or Eligibility Certificate for Ceiling-Amount Application (only if issued)
* There is no need to return your Individual Number Card.
