Kyokai Kenpo: November premium for voluntary continuation is due November 10Health insurance after leaving a job: November is due by the 10th
On October 28, 2026, the Japan Health Insurance Association (Kyokai Kenpo) announced that the payment deadline for the November health insurance premium of voluntarily continuing insured persons is Tuesday, November 10. The payment slips were sent out on Wednesday, October 28. As a rule the premium is paid monthly by payment slip, by the 10th of each month, and coverage is lost if it is not paid by the deadline. It is a deadline worth knowing for company staff who are asked about the procedure by former employees.
- By the 10th of each monthAs a rule the premium for voluntary continuation is paid monthly by payment slip
- Wednesday, October 28, 2026The payment slips for November were sent out, and the association posted its announcement
- Tuesday, November 10, 2026Deadline for the November premium. Coverage is lost if it is not paid by the deadline
Key points
- The deadline for the November premium is Tuesday, November 10, 2026. The announcement states that the payment slips were sent out on Wednesday, October 28
- As a rule the premium for voluntary continuation is paid monthly by payment slip, by the 10th of each month. If it is not paid by the deadline, the person loses the status of insured
- The premium is calculated as the standard monthly remuneration at the time of leaving the company multiplied by the premium rate of the prefecture where the person lives. If the standard monthly remuneration at the time of leaving exceeded JPY 320,000, the calculation uses JPY 320,000
- Six months' or twelve months' premiums may be paid in advance. This guards against forgetting to pay and gives a discount of 4% per year (calculated by the compound present value method)
- To join, the person must have been insured continuously for two months or more up to the date of leaving, and must apply within 20 days from the day after that date. The period of coverage is two years
What to do in practice
- Use the payment slip sent out on October 28 to pay the November premium by Tuesday, November 10
- If you are worried about forgetting, consider paying six or twelve months in advance (a discount of 4% per year)
- Tell employees who are about to leave, in advance, that voluntary continuation must be applied for within 20 days from the day after the date of leaving
Even after you leave a company, there is a way to carry on the health insurance you were in, by yourself, for up to two years. This is called voluntary continuation. On October 28 the Japan Health Insurance Association announced that the money for November must be paid by Tuesday, November 10. The slip you use to pay was sent out on October 28. If you miss the deadline, you can no longer keep this insurance.
- (1) ConditionYou must have been in the health insurance continuously for two months or more up to the date you left
- (2) ProcedureApply within 20 days from the day after the date you left
- (3) Each monthPay by payment slip by the 10th of each month (November is due November 10)
- (4) How longTwo years
Points
- The deadline to pay for November is Tuesday, November 10. The payment slip was sent out on October 28
- If you do not pay by the deadline, you can no longer keep the voluntary continuation (you lose your status)
- If you pay six or twelve months at once in advance, you get a discount of 4% per year
What the words mean
- voluntary continuation
- a way to carry on, by yourself, the health insurance you were in, for two years after leaving a company
- payment slip
- the paper sent to you so that you can pay
- Japan Health Insurance Association: Japan Health Insurance Association, The deadline for the November health insurance premium for voluntarily continuing insured persons is November 10 (October 28, 2026)
- Japan Health Insurance Association: Japan Health Insurance Association, Voluntary continuation of coverage
This article summarizes and explains materials published by government agencies and is not advice on any individual case. Rules can change, so for actual procedures and decisions always check the latest original materials and consult professionals such as tax accountants or labor and social security attorneys. English, Simplified Chinese and Traditional Chinese versions are translations prepared from the Japanese articles for convenience. If anything differs, the Japanese text and the original source take precedence.