Dell Health Insurance Association

Below are answers to some of the questions frequently asked by enrollees. Please check for your question here first.
If the problem persists, please contact us hereIf the problem persists, please contact us here.

Health Insurance Cards, Eligibility Confirmation Documents

I lost my health insurance card. I'm worried that someone will do something bad with it. What should I do?

If it has been stolen, etc., please notify the police immediately.
Please submit a "Application for Reissuance of Health Insurance Card, Eligibility Confirmation Document or Elderly Beneficiary Health Insurance Card Due to Loss/Damage" to the human resources department of your company.
After December 2, 2024, a health insurance card will no longer be issued, please register your Individual Number Card as a health insurance card or apply to issue an Eligibility Confirmation Document. Please refer to "How to Register your Individual Number Card as a health insurance card" under "Use of an Individual Number Card as a Health Insurance Card".
If you are enrolled in optional continued insurance coverage, please mail the form and a copy of your personal identification (driver's license, passport, or other photo ID issued by a governmental agency) directly to the Health Insurance Association.

I lost my Eligibility Confirmation Document (資格確認書). What should I do?

Please take one of the following:

①Registering your Individual Number Card as a health insurance card
Please refer to “How to Register your Individual Number Card as a health insurance card” under “Use of an Individual Number Card as a health insurance card”.

②If you do not have an Individual Number Insurance Card and would like to continue to use your Eligibility Confirmation Document to receive medical treatment, please apply for a reissuance of your Eligibility Confirmation Document.
Necessary documents:Application for Reissuance of health insurance card, Eligibility Confirmation Document or Elderly Beneficiary Health Insurance card Due to Loss/Damage

I'm worried about not having my insurance card with me during the processing of a "Notification of Dependents for Health Insurance (Changes)." What should I do if I get sick?

Please pay the relevant costs yourself at that time. When your Eligibility Notification, Eligibility Confirmation Document, etc. has been issued, please take it to that healthcare provider and ask them if the refund can be done there first. If the healthcare provider cannot do it, please attach the statement of medical expenses (health insurance claim) and the receipt (original) to the "Medical Expense Benefit Payment Request" and submit them to the Health Insurance Association via the human resources department of your company.

Certification of Dependents

My wife retired because she will give birth. How do I apply for certification of dependents?

The requirement for certification of dependents (annual income of ¥1.3 million or less) is reviewed based on the anticipated income for the period of one year starting on the application date, so your wife will be certified as a dependent as of the date on which she retired.
In the case of individuals who plan to receive payment of employment insurance unemployment benefits after giving birth, please complete the procedures to extend employment insurance benefits and obtain a "Benefit Period Extension Notice" and submit a copy to the human resources department of your company.

To apply, please submit the following documents promptly after retirement.

• Dependent Change Notification
• Separation Notice (copy) or Certificate of Retirement
• Maternal and child health handbook (copy)

If employment insurance benefits began to be received after giving birth, complete procedures to temporarily remove your wife from your dependents, then apply for her certification as a dependent again once the payment period has ended.

My wife has been receiving employment insurance unemployment benefits, but the payment period will end soon. What do I need to do to have her added as my dependent?

When the unemployment benefit payment period ends, the Public Employment Security Office stamps the individual's "Employment Insurance Benefit Eligibility Certificate" indicating that the payment period has ended. Please make a copy of both sides of the Certificate and submit it with a "Dependent Change Notification" to the human resources department of your company.

My child graduated from college, but hasn't gotten a job. Can she continue to be enrolled in the Health Insurance Association as my dependent?

The Dell Health Insurance Association certifies individuals as dependents when they do not have a certain level of income (less than ¥1.3 million per year), so a local taxation certificate/tax exemption certificate will be required to verify the income.
If the Health Insurance Association requests submittal of the certificate, please submit the documentation promptly.

Physical Examinations

How to receive the Dell Health Insurance physical examination and comprehensive medical examination

1. As a rule, there are two types of physical examination: Adult physical examination (lifestyle disease examination) for people under age 35 and a comprehensive medical examination for people age 35 or older. Appointments for comprehensive medical examinations, etc., must be made online or by phone.
2. When you make an appointment, the Health Insurance Association will send you a "Physical Examination Approval Form" by e-mail, postal mail, or fax. (Choose your desired method.)
3. On the day of your appointment, please take your health insurance card for identification and the "Physical Examination Approval Form."

I would like to receive a gastroendoscopy instead of stomach x-rays as part of the comprehensive medical examination.

From the perspective of health insurance, there is not a significant difference in cost, and many people undergo a gastroendoscopy as a second examination as a result of stomach x-rays, so it will be allowed instead of stomach x-rays as part of the first examination if the healthcare provider is able to accommodate.
However, it will not be allowed if the healthcare provider requires fees for both x-rays and the gastroendoscopy in such cases. Please keep this in mind.

Post-retirement Health Insurance

I would like to continue optional enrollment after retirement. How much will my premium be? Also, which saves me more money, this coverage or National Health Insurance coverage?

The premium for optional continued enrollment is calculated by multiplying your standard monthly compensation at the time of your retirement, or the average standard monthly compensation of all individuals insured by the Society (see the notice from the Health Insurance Association), whichever is lower, by the insurance premium rate.
National Health Insurance premiums are calculated based on your income for the previous year. However, the calculation method is different for each municipality, so please contact your local National Health Insurance counter for specific details.

The Health Insurance Association's health insurance has healthcare programs and added benefits systems not available from National Health Insurance, so be sure to make your decision based not only on premiums, but on all aspects.

How do I pay premiums for optional continued enrollment?

After the application for eligibility for optional continued insurance has been received, the Health Insurance Association will send you an insurance premium payment slip. Please transfer payment to the Health Insurance Association's account from the teller's counter of your financial institution, or from an ATM, etc., by the payment deadline. When the payment has been confirmed, you will be sent your new insurance card.
Please note that you will be responsible for any fees required for the transfer.

I'm retiring at the end of March. How do I pay insurance premiums?

Premiums can be paid monthly, or prepaid for six months at a time (from April through September and from October through March of the following year) or for the entire year (from April through March of the following year). If you select prepayment, you will receive a discount on your premium. Please contact the Health Insurance Association for the amount and other details.
The amount for the first month is not applicable, but the prepayment will be the amount for the next month through March of the following year.

Can I withdraw from enrollment in optional continued coverage early?

Please be aware that once you have enrolled, you cannot withdraw (forfeit eligibility) except in the following cases. Individuals who would like to prepay should pay particular attention.

1. The enrollment period has reached two years.
2. The individual has enrolled in other health insurance due to new employment. (National Health Insurance is not included.)
3. The premium has not been paid by the payment deadline.
4. The individual has died.
5. The individual is now covered under latter-stage elderly healthcare insurance.

Personal Information Protection

Is personal information ever provided to third parties without the consent of the individual?

Personal information is not provided to third parties without the consent of the individual except in the following cases.

• Matters that legally do not require consent and matters that do not apply to third parties
  1. When sending health insurance claims to examining organizations and other cases based on laws and regulations
  2. Cases of emergencies, disasters, etc., in which it is required to protect human life, physical health, or property, and in which it is difficult to obtain the consent of the individual
  3. Cases in which it is necessary for public health or the wholesome development of children, and in which it is difficult to obtain the consent of the individual
  4. Cases in which it is necessary to provide cooperation to national governmental bodies or local public entities, to perform work stipulated by laws and regulations, and in which obtaining the consent of the individual may hinder the performance of the applicable work
  5. Subsidy projects related to payment of high medical expenses conducted jointly with Kenporen
• Comprehensive consent items
  Notification to an entire household in the case of medical expense statements and notification of insurance benefit payment decisions

I'm absent from work due to illness. If my supervisor asks the Health Insurance Association for the name of my illness, etc., will it be provided?

As a rule, personal information will not be provided to third parties without the consent of the individual. In such cases as well, the name of the illness or injury will not be disclosed without the consent of the individual.