Recruit Health Insurance Society

Recruit Health Insurance Society

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After you leave your employer

Medical care insurance available after leaving your employer

Type of insurance after leaving employment Procedures
Who By when
If you take new employment immediately 1
 Become an insured person under the new employer’s health insurance. New employer Within five days from the date of acquiring eligibility
If you do not take new employment immediately 2 Become a Recruit Health Insurance Society Voluntarily and Continuously Insured Person. The member (you) Apply to the Health Insurance Society within 20 days from the date of leaving employment.
3 Join National Health Insurance. The member (you) Apply to the municipality of your certificate of residence within 14 days from the date of leaving employment.
4 Become a dependent of your spouse, child, or other family member.

The insured person providing for you

 Apply within five days from the date of occurrence of the fact (the date of leaving employment).
* Subject to review
All persons aged 75 and older automatically join the Medical Care System for the Advanced Elderly. No procedures necessary A health insurance card will be sent from the regional alliance office no later than the individual’s 75th birthday.

Those who can continue to receive benefits after leaving employment

Those who were continually insured as an insured person for ate least one year through the day before the date of loss of eligibility (i.e., through the date of leaving employment) (this includes periods under health insurance plans other than the Recruit Health Insurance Society but excludes periods of coverage as Voluntarily and Continuously Insured Persons, membership in National Health Insurance, or membership in mutual aid associations) and meet the following payment conditions:

Benefits paid after leaving employment (benefits paid to the insured person only, not to dependents)

Injury and Sickness Allowance
Payment conditions

Must have been receiving or satisfy the conditions for receiving Injury and Sickness Allowance at the time of loss of eligibility. (If you work on the day on which you leave employment, you do not satisfy the conditions for continued receipt of benefits and will not be paid Injury and Sickness Allowance after loss of eligibility (the day after the date of leaving employment).

Example: Left employment on March 31, 2017.

March 28 Taking time off from work for treatment and a doctor has certified that you were unable to work on these days (whether these are public holidays, absence, or paid leave) → Completion of a waiting period of three consecutive days
March 29
March 30
March 31 Taking time off from work for treatment and a doctor has certified that you were unable to work on the date of leaving employment (whether public holiday, absence, or paid leave)
  • * You can continue to claim the Injury and Sickness Allowance for treatment after leaving employment because the waiting period was complete by the day before the date of leaving employment and you were taking time off from work for treatment on the date of leaving employment.
  • * You cannot claim the Injury and Sickness Allowance if you are receiving unemployment benefits after leaving employment. Unemployment benefits granted under employment insurance are intended for those unable to find employment, despite the will and capacity to work. Those able to receive benefits under employment insurance (i.e., able to work) are not eligible to claim the Injury and Sickness Allowance.
参考リンク
Maternity Allowance
Conditions for payment:

When at least 42 days (98 days for multiple births) have passed since the anticipated birth date or actual date of birth as of the date of leaving employment and you do not work on the date of leaving employment
Reference link:
Childbirth and Childcare Lump-Sum Grant
Conditions for payment: Case of childbirth within six months after loss of eligibility with no benefits provided from other health insurance plans, etc.
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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