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Health insurance system
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Family membership

Health insurance provides insurance benefits not just to insured persons but also to their dependent family members. These family members are referred to as dependents. Family members must meet certain conditions related to “the extent of the family relationship” and “income” before they are authorized as dependents.

POINT
  • Dependents must be certified by the Health Insurance Society.
  • If there is any change in your dependents, submit notification of the change within five days.
  1. Note:Submit the above documents within five working days of the date on which the reason for dependency arose (including that date). If the Health Insurance Society receives the documents within five days and certifies dependency, certification will be retroactive to the date on which the reason for dependency arose. If the documents are received more than five working days later, the date of certification will be the date on which the Health Insurance Society received the documents and certified dependency. Contact the Society in advance if you expect delays.(For a newborn child, the date of certification will be the date of birth.)
    However, for a newborn child, the date of certification will be the date of birth, regardless of the date the documents are received.
    (Although the five-day rule does not apply, please try to submit the documents as quickly as possible.)

Extent of family relationship

Only family members within the third degree of consanguinity may be certified as dependents. Conditions for dependent eligibility also vary depending on whether or not the family member lives with the insured person.

  • ** Eliminated the provision that requires elder brothers and sisters to live with the insured person to be eligible as dependents, starting October 1, 2016.

Income standards

To be certified as a dependent, a family member must live primarily off the income of the insured person.

If the family member lives with the insured person If the family member lives apart from the insured person
In principle, the family member’s annual income must be less than 1.3 million yen (1.8 million yen if aged 60 or above, or disabled) and it must be less than one-half the income of the insured person. The family member's annual income must be less than 1.3 million yen (1.8 million yen if aged 60 or above, or disabled) and must be less than the amount of the allowance sent to the family member from the insured person.

Exception Even if a family member’s annual income is less than 1.3 million yen, if his or her base allowance daily amount of unemployment benefits under employment insurance is 3,612 yen/day or more, he or she cannot be certified as a dependent while receiving unemployment benefits.
See "While a dependent receives unemployment benefits under employment insurance."

If there has been a change in dependents

You must take specific steps if the number of dependents increases due to marriage or childbirth or a family member is no longer eligible as a dependent for reasons such as employment, living apart from the insured person, or death. The Health Insurance Society checks the eligibility status of dependents annually.

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