In this article, we will explain why you have two health insurance cards and the risks of double health insurance.
The reason why I have two health insurance cards
The following cases are common reasons for having two health insurance cards at hand.
Under the Japanese system, it is impossible to have multiple health insurance cards. There is a possibility that some procedures have been omitted, so it is necessary to take necessary procedures immediately.
Problems and risks that may arise from having two health insurance cards
Even if you have two health insurance cards, you can still see a doctor as usual. However, you should be aware of the following issues and risks.
Double premium collection
Medical bills later
If you enroll in health insurance twice, you will have to pay the insurance premiums twice.
For example, if you get a job while enrolled in the National Health Insurance and you have not completed the procedure to withdraw from the National Health Insurance, you will be charged both the health insurance premiums of your employer and the national health insurance premiums.
Also, depending on the case, you may be billed for medical expenses later, so be careful.
For example, if a person who is dependent on a family member finds a part-time job covered by social insurance, they will be in a situation where they are enrolled in both “family health insurance” and “employer’s health insurance.”
Under normal circumstances, it is necessary to withdraw from your status as a dependent, but if you forget to complete the procedure and go to a medical institution with your health insurance card as a dependent, you will be billed for medical expenses later, so be careful.
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What to do when you have two health insurance cards
If you have two health insurance cards, you need to take the necessary procedures as soon as possible.
Below, we will introduce what to do when you have two health insurance cards at hand, depending on the scene.
If you work for two or more companies
If the insured person is to work at two or more applicable places of business at the same time, the insured person himself/herself must submit a notification to select the main place of business.
In this case, health insurance premiums are determined by totaling salaries from two or more places to determine the standard monthly remuneration, and are divided proportionally based on the monthly remuneration received at each place of business.
Under normal circumstances, the insured person must submit the “Health Insurance/Employees’ Pension Insurance Insured Affiliation Selection/Working at Two or More Offices” to the Japan Pension Service within 10 days of the occurrence of the incident.
If you have not done so, please consult with the Japan Pension Service or the Pension Office as soon as possible.
If you started a job covered by social insurance even though you were a dependent of your family
If a person who is a dependent of a family member finds a job and is enrolled in the employer’s health insurance, the insured person (family member)’s (family member) must apply for a “Notification of Health Insurance Dependent (Change)” at the employer’s place of employment. .
If you have forgotten to complete the procedure, promptly fill out the “Notification of Voluntarily and Continuously Insured Dependent (Change)” and return the insurance card of the person who is no longer a dependent to the place of work of the insured person (family member).
I got a job and enrolled in health insurance, but I have not completed the procedures to withdraw from the national health insurance.
If a person who was insured by the National Health Insurance becomes a member of the National Health Insurance after finding a job, he or she must complete the procedure for losing eligibility for the National Health Insurance at the municipal office within 14 days of starting employment.
In the unlikely event that you forget to complete the necessary procedures, please consult with your municipal office as soon as possible.
summary
Partly due to the expansion of social insurance coverage, the possibility of enrolling in social insurance has increased with part-time employment.
If you were enrolled in National Health Insurance or were a dependent of a family member’s health insurance, there is a risk that you will be enrolled in the health insurance system twice if you do not complete procedures to withdraw.
Double enrollment may lead to troublesome procedures later, so if you have two health insurance cards, be sure to complete the necessary procedures as soon as possible.