2024
Guide for Voluntarily Continued Insurance
MembersPMAC
The Promotion and Mutual Aid Corporation for Private Schools of JapanTo all Voluntarily Continued Insurance Members
The Voluntarily Continued Participation System allows you to receive Short-term Benefits and use Welfare
Services, excluding loans and savings services, for up to two years after your retirement, just as if it wereduring your employment (if you will turn 75 within two years after retirement, the period up to the day
before your 75th birthday).

Documents sent at the time of voluntary continuation enrollment

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1-2 The membership card is a health insurance card that can be presented to
medical institutions to receive medical treatment benefits.
We have included the number of documents for each dependent if you have
Voluntarily Continued Insurance
dependents.
Membership Card
* We will not send you the Membership Card if you become a Voluntarily
Voluntarily Continued InsuranceContinued Insurance Member after December 2024, when the insurance card
Member’s Dependent Membershipwill be abolished. Please find the enclosed “Notice of Qualification Information”
Card
with your listed Membership Number, etc. If you do not have the My Number(referred to as “Membership Card”)
Insurance Card, please apply separately to the Promotion and Mutual Aid
Corporation for Private Schools of Japan for a “Qualification Certificate”.
Voluntarily Continued Insurance
Member Confirmation Notice3

Guide for Voluntarily Continued
Insurance Members (this booklet)

4

Voluntarily Continued Insurance
Premium Payment Slip
(Voluntarily Continued Insurance
Premium Payment Notice)5

Deposit Account Transfer Request
Form/Automatic Payment ApplicationForm
For Voluntarily Continued Insurance
Premiums(referred to as “Account Transfer
Request Form”)

2-2 The Voluntarily Continued Insurance Membership Confirmation Notice informs you of thecontents registered with the Promotion and Mutual Aid Corporation for Private Schoolsof Japan.

3-2 This guide contains frequently asked questions about the details of the
Voluntarily Continued Insurance Membership System and the various
procedures.
4-2 This is the Premium Payment Slip. You can only use Japan Post Bank.

5-2 This is an application form for paying the premiums by bank transfer.
It will only be sent to you if you choose to pay monthly (including bank transfer).
This application contains three sheets: ① for financial institutions, ② forsubmission to the Promotion and Mutual Aid Corporation for Private Schoolsof Japan, and ③ the customer copy.

Items to be sent throughout the year (planned)
May

The spring issue of the “Mutual Aid Newsletter” for members

July

The summer issue of the “Mutual Aid Newsletter” for members

October

Voluntarily Continued Insurance Premium Payment Certificate
The autumn issue of the “Mutual Aid Newsletter” for members

January

March

Voluntarily Continued Insurance Premium Payment Certificate*This newsletter will only be sent to you if you obtained the qualification after
October.
The winter issue of the “Mutual Aid Newsletter” for members
Next year’s Payment Notice/Voluntarily Continued Insurance Member
Confirmation Notice*It will be sent to you only if you have a period to enroll in the following year.

★The “Certificate of Eligibility” required to enroll in National Health Insurance, etc., will be sent toyou at the following times:
A) If you are about to complete the 2-year period.
Approximately half a month before the expiration date, we will enclose the “Notice of Expiration”.
B) If you turn 75 years old (including dependents).
At the beginning of the month before your birth month, we will enclose the “Advance NotificationForm”.
(Note) If your registered address changes, be sure to submit the “Notification of Change of
Address of the Voluntarily Continued Insurance Member” (on the last page of this book) to
the Promotion and Mutual Aid Corporation for Private Schools of Japan. Please note that if
you do not submit the Notification, we may be unable to send you publications or a Voluntarily
Continued Insurance Premium Payment Certificate.

Table of contents
1. Information about Voluntarily Continued Insurance Premium....................................................................................
Q1 How is the Voluntarily Continued Insurance Premium amount determined?
Q2 How is the standard monthly remuneration determined?
Q3 How much will the Voluntarily Continued Insurance Premium amount be for the second year?
Q4 I have forgotten to pay the Voluntarily Continued Insurance Premium; what should I do?
Q5 Is the Nursing Care Insurance compulsory?
Q6 From when do I have to pay the Voluntarily Continued Nursing Care Insurance Premiums (Insurance Premiums)?
Q7 Are there people over the age of 40 who are not enrolled in the Nursing Care Insurance?
2. How to pay the Voluntarily Continued Insurance Premium………………………………………………………………….
Q8 How do I pay the Voluntarily Continued Insurance Premium?
Q9. I requested an account transfer, but must I pay using the Premium Payment Notice?
Q10 When is the deadline for payment (payment deadline) using the Premium Payment Notice?
Q11 When is the account transfer date?
Q12 I have lost the Premium Payment Notice. What should I do now?
Q13. What should I do if I want to change my payment method?
Q14 Will I not have to pay twice, i.e., premium deducted from wages and Voluntarily Continued Insurance Premium if I
quit my job in the middle of the month?
3. Procedures when notification contents changed……………………………………………………………………………
Q15. What should I do in a situation like this?
My last name changed because I got married, etc.
My address changed because I moved.
I want to change the registered account for the receipt of benefits or the account for the payment of premiums.
Q16. Can I change my account for the receipt of benefits to a public money-receiving account?
Q17. My dependent has found a job. Do I need to take any necessary steps?
4. Final Tax Return or Year-end Adjustment procedures………………………………………………………………………
Q18. When filing a Final Tax Return or making Year-end Adjustments, can I declare the paid Voluntarily Continued
Insurance Premium as an amount that can be deducted from the income amount subject to tax (Social Insurance
Premium Deduction)?
5. Information regarding enrollment in the Pension System during the Voluntarily Continued Insurance
Membership………………………………………………………………………………………………………………………..
Q19. Will I be enrolled in the Pension System or the Promotion and Mutual Aid Corporation for Private Schools of Japanmutual aid plan during the Voluntarily Continued Insurance Membership?
6. Withdrawing Procedures………………………………………………………………………………………………………….
Q20. Can I terminate my Voluntarily Continued Insurance Membership before the two-year period ends?
Q21. I have submitted the “Report Form for Loss of the Voluntarily Continued Insurance Membership Qualification DL”
to withdraw from the Voluntarily Continued Insurance Membership. Will I receive the refund of the prepaid Voluntarily
Continued Insurance Premiums?
7. When the Voluntarily Continued Insurance Membership Period (2 years) expires…………………………………….
Q22. My Voluntarily Continued Insurance Membership Period (2 years) has expired. Do I need to take withdrawal
procedures?
Q23. Can I be enrolled in the Voluntarily Continued Insurance for more than two years?
Q24. What should I do with my Voluntarily Continued Insurance Membership Card after withdrawal (including the
expiration of the 2-year membership)?
8. When you turn 75 years old (Medical Care System for the Latter-Stage Elderly)………………………………………
Q25. I will turn 75 while I am enrolled in the Voluntarily Continued Insurance. Can I continue to be enrolled in the
Voluntarily Continued Insurance after turning 75?
Q26. Can dependents under the age of 75 be enrolled in the Voluntarily Continued Insurance even if the Voluntarily
Continued Insurance Member reaches age 75 during their Voluntarily Continued Insurance Membership?
9. Information about Short-term Benefits…………………………………………………………………………………………
Q27. What is the Short-term Benefit?
Q28. Please provide details of the benefits that the Voluntarily Continued Insurance Member can receive.
Q29. Is it okay to show only my Membership Card to medical institutions?
Q30. Will I receive any notification when my benefits are paid?
Q31. What should I do with my health insurance after withdrawing from the Voluntarily Continued Insurance Membership(after losing eligibility)?
Q32. Are there any cases where I cannot use my Membership Card if I visit a medical institution?
Q33. Can I use my Membership Card after losing eligibility?
What will happen to my medical expenses if I end up using it?
10. Information about Welfare Services……………………………………………………………………………………………
Q34. Please provide the details of the Welfare Services that the Voluntarily Continued Insurance Member can receive.
11. When My Number is newly assigned or changed……………………………………………………………………………
12. Requests regarding use of the Membership Card…………………………………………………………………………..
13. Various notification forms
1.Payment Method Change Request Form
2.Notification of Change of the Voluntarily Continued Insurance Member’s Name/Address
3.Report Form for Loss of the Voluntarily Continued Insurance Membership Qualification

1

P.2

P.6

P.11

P.12

P.13
P.13

P.15

P.16

P.17

P.20
P.22
P.22

1. Information about Voluntarily Continued Insurance Premium
The Voluntarily Continued Insurance Premium amount is the sum of the Short-term Benefits Insurance
Premium, Welfare Services Insurance Premium, and Nursing Care Insurance Premium (required only for those
aged 40 - 65).
While employed, you paid half of the premium and the school you worked for paid the other half. However, if
you switch to the Voluntarily Continued Insurance, you would have to pay the entire amount yourself.

(1) Voluntarily Continued Insurance Premium
Q1. How is the Voluntarily Continued Insurance Premium amount determined?
A: The monthly amount is the amount obtained by multiplying the Voluntarily Continued Insurance Member’s
standard monthly remuneration listed in the “Voluntarily Continued Insurance Member Confirmation
Notice” by the Voluntarily Continued Insurance Contribution Rate (8,896%/FY 2024).
Even if you join the Voluntarily Continued Insurance in the middle of a month, it will be calculated on amonthly basis instead of on a daily basis.
Calculation example: If the standard monthly remuneration is 360,000 JPY
360,000×8.896÷100=32,025 (JPY)* A separate Nursing Care Insurance Premium will be charged for those aged 40 - 65.
Q2. How is the standard monthly remuneration determined?
A: As the “Standard monthly remuneration” will be considered the lesser amount of the following:① Standard monthly remuneration upon retirement② Standard monthly remuneration amount, when the average amount of standard monthly remunerationof all participants receiving Short-term Benefits (as of the end of September of the previous year) is
applied to the monthly remuneration shown in the standard monthly remuneration table.
FY 2024: 380,000 JPY (upper limit)

2Q3. How much will the Voluntarily Continued Insurance Premium amount be for the second year?
A: The Voluntarily Continued Insurance Premium amount is calculated based on the standard monthly
remuneration at the time of retirement. Therefore, the amount will remain the same for two years.
Even if your post-retirement income increases, regardless of whether you have any dependents orwhether the number of dependents increases or decreases, the Voluntarily Continued Insurance
Premium amount will not change.
However, the Voluntarily Continued Insurance Premium amount will change in the following cases. In
these cases, we will notify you again.
①②

The contribution rate has changed.
If the standard monthly remuneration at the time of retirement falls under the upper limit.
*the National Health Insurance Premium for which the upper limit has been changed is calculated
based on the previous year’s income. In the second year, if you compare the National Health
Insurance Premium with the Voluntarily Continued Insurance Premium amount, the National
Health Insurance Premium may be lower.
The Short-term Benefits of the Promotion and Mutual Aid Corporation for Private Schools of Japan arelegal benefits stipulated by law (benefits that are also included in the National Health Insurance), andthere are also additional benefits (benefits that are not included in the National Health Insurance).
Therefore, if you frequently visit medical institutions and receive reimbursement for medical expenses
or plan to get married, the Promotion and Mutual Aid Corporation for Private Schools of Japan may be
more advantageous for you.

Q4. I have forgotten to pay the Voluntarily Continued Insurance Premium; what should I do?
A: Unless there is an unavoidable reason, if the Voluntarily Continued Insurance Premium is not paid by
the due date, you will lose your qualification as a Voluntarily Continued Insurance Member. (If you havenever paid the Voluntarily Continued Insurance Premium, your qualification as a Voluntarily Continued
Insurance Member will be revoked.)
Suppose you use your Voluntarily Continued Insurance Membership Card to receive treatment at a
medical institution after you lose your qualification. In that case, you must return the medical
expenses borne by the Promotion and Mutual Aid Corporation for Private Schools of Japan.
Also, if you do not pay the Voluntarily Continued Insurance Premiums, you cannot apply for the
Voluntarily Continued Insurance Premium Withdrawal. Therefore, if you wish to withdraw, please
complete the “Application for Loss of Qualification as the Voluntarily Continued Insurance Member”.
(Please refer to Q19 on page 13 for procedures for Loss of Qualification before the expiration of the twoyear period).
Note ① The Voluntarily Continued Insurance Membership Card is valid for two years or until the day before
your 75th birthday. However, it cannot be used if the Voluntarily Continued Insurance Premiums
are unpaid.
Note ② Suppose you wish to pay monthly (including bank transfer) and submit the Voluntarily Continued
Insurance Application Form. In that case, the bank transfer will not start until the procedures
described on page 8 are completed.

3(2) Voluntarily Continued Nursing Care Insurance Premium (Insurance Premium)Q5. Is the Nursing Care Insurance compulsory?
A: In principle, all people over the age of 40 are enrolled in the Nursing Care Insurance and are required
to pay the Nursing Care Insurance Premiums. There are two types of insured persons:① Persons aged 40 - 64 ⇒ Category 2 Insured Person ⇒ Premiums should be paid to the PMAC
② Persons aged 65 or older ⇒ Category 1 Insured Person ⇒ Insurance Premiums should be paid tothe municipality*Nursing Care Premiums for Dependents aged 40 - 65 are not collected as they are borne by all membersof the Promotion and Mutual Aid Corporation for Private Schools of Japan System. Therefore, while youare enrolled as a Voluntarily Continued Insurance Member, you do not need to pay Nursing Care
Premiums for Dependents.

Q6. From when do I have to pay the Voluntarily Continued Nursing Care Insurance Premiums(Insurance Premiums)?
A: The Category 2 Insured Person Enrollment Period begins with the month that includes the day before
their 40th birthday until the month preceding the month that includes the day before their 65th birthday.
Example 1: If your birthday is on April 2nd (your birthday is not on April 1st)
When you turn 40: April 1st (the day before your birthday) is in April. Therefore, you must start topay the Insurance Premiums from April to the Promotion and Mutual Aid
Corporation for Private Schools of Japan, beginning with the payment for April.
When you turn 65: April 1st (the day before your birthday) is in April, and the month preceding
April is March. Therefore, until March, you must pay the Insurance Premiums
to the Promotion and Mutual Aid Corporation for Private Schools of Japan, andfrom April, you must pay the Insurance Premiums to the municipality.
Example 2: If your birthday is on April 1st (your birthday is on April 1st)
When you turn 40: March 31st (the day before your birthday) is in March. Therefore, you must
start to pay the Insurance Premiums from March to the Promotion and Mutual
Aid Corporation for Private Schools of Japan, beginning with the payment for
March.
When you turn 65: March 31st (the day before your birthday) is in March, and the month preceding
March is February. Therefore, until February, you must pay the Insurance
Premiums to the Promotion and Mutual Aid Corporation for Private Schools ofJapan, and from March, you must pay the Insurance Premiums to themunicipality.

*Similar to the Voluntarily Continued Insurance Premium amount, the Nursing Care Insurance Premium(Insurance Premium) amount is calculated on a monthly basis, not a daily basis.

4Q7. Are there people over the age of 40 who are not enrolled in the Nursing Care Insurance?
A: The following people do not fall under Category 2 Insured Persons, even if they are Voluntarily
Continued Insurance Members or Voluntarily Continued Insurance Member’s dependents aged 40 – 64:
If you fall under any of the following conditions, we will send you a notification form, so please contact
the Promotion and Mutual Aid Corporation for Private Schools of Japan. (If you are a Category 1 Insured
Person, please contact the municipality.)①

If you do not have an address within the municipality’s jurisdiction area (if you do not have a residencecard in Japan)②

If you are admitted to the following facilities for the physically disabled people:(Designated) support facility for disabled people
Medical care facility for disabled children as stipulated in the Child Welfare Act
Child Welfare Act Article 6-2-2 Paragraph 3 Medical institutions designated by the Minister of Health,
Labor, and Welfare
Welfare facility as stipulated in the Act on the National Center for Persons with Severe Intellectual
Disabilities
Hansen’s disease sanatorium, etc.
Welfare facility for Persons with Severe Physical or Intellectual Disabilities stipulated in the Public
Assistance Act
Special nursing care facility for injured workers as stipulated in the Industrial Accident Compensation
Insurance Act
Designated support facility for disabled people as stipulated in the Act on Providing Comprehensive
Support for Persons with Disabilities
Hospital that is designated as a welfare service provider for disabled people as stipulated in the Act
on Providing Comprehensive Support for Persons with Disabilities.

③

Foreign nationals whose period of stay in Japan is three months or less from the time of entering
Japan.

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2. How to pay the Voluntarily Continued Insurance Premium
Q8. How do I pay the Voluntarily Continued Insurance Premium?
A: The amount varies depending on the payment method selected when applying for the Voluntarily
Continued Insurance Membership.
1-1 If you select the “Semi-annual Payment” or the “Lump-sum payment until the end of the fiscal year”
at the time of application
1-2 To make the payment at Japan Post Bank (post office), please use the “Voluntarily Continued
Insurance Premium Payment Slip“ (hereinafter referred to as Premium Payment Notice)(Please refer to page 7, “A-1: the Semi-annual Payment or the Lump-sum payment until the end of
the fiscal year”)
2-1 If you select the “Monthly payment (including bank transfer)” at the time of application
2-2 Please make the monthly payments through Japan Post Bank using the Premium Payment Noticeor by bank transfer (separate procedures at the financial institution are required).
(Please refer to page 8, “A-2: Payment by bank transfer”)*1 If you do not complete the bank transfer procedures, please pay using the enclosed “Premium
Payment Notice”. (After completing the procedure at your financial institution, the bank transfer
will take approximately two months to be processed. Until then, you must pay the premiums using
the Premium Payment Notice.)(Sample) Voluntarily Continued Insurance Premium Payment Slip (Premium Payment Notice)6

A-1: The Semi-annual Payment or the Lump-sum payment until the end of the fiscal year
Please use the “Premium Payment Notice” (see below) to pay the premium at your local Japan
Post Bank (post office). “Premium Payment Notices” are issued annually. We will send you thePremium Payment Notices for the entire fiscal year from the month of your qualification. The next
year’s Premium Payment Notices will be sent in early March.
The following applies if the Premium Amount paid using one Premium Payment Notice exceeds
100,000 JPY.
Premium Payment Notice exceeding 100,000 JPY will be handled as follows:① Payment in cash ⇒ You cannot use an ATM of the Japan Post Bank.
⇒ You can pay at a Japan Post Bank teller window. (*)② Payment from your Japan Post Bank account ⇒ You can use an ATM of the Japan Post Bank.
⇒ You can pay at a Japan Post Bank teller window.
*Identification documents are required if you pay in cash. There is no fee if you pay using thePremium Payment Notice.
Points to note when paying
Please refrain from making the following payments as they may cause remittance accidents.
① Payment cannot be made from financial institutions (city banks, regional banks, secondary
regional banks, Shinkin banks, trust banks, credit unions, agricultural cooperatives, labor banks(Rōkin), online banks, and convenience stores) other than Japan Post Bank.
② Please do not correct the printed amount before making a payment.
③ Payment cannot be made using any payment notice other than the Premium Payment Notice
we sent you.
④ If you use the Premium Payment Notice for another billing month, the payment may beconsidered insufficient or unpaid. Please check the billing month before making the payment.
こ の 納 付 通 知 書 で 払 い 込 み で き る の は ゆ う ち ょ 銀 行 の み で す 。
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ま す 。

17
28

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A-2: Payment by bank transfer
1-1 Please find the “Deposit Account Transfer Request Form/Automatic Payment ApplicationForm” enclosed in this guide.(The contents are as follows: ① to ③)＊Please check the numbers ① to ③ in the upper left corner of the document.
①②③

For financial institutions
For submission to the Promotion and Mutual Aid Corporation for Private Schools of Japan
Customer Copy

*Information about the financial institution used for the bank transfer is entered in the “Voluntarily
Continued Insurance Application Form”.
However, some financial institutions, such as online banks, cannot handle bank transfers.
*In principle, bank transfer procedures at online banks are handled like at Japan Post Bank.

2-1 Please fill in the necessary information in the applicant column in documents ① to ③ above
and affix your seal.
*Please affix your seal registered with your financial institution on the document ①.

Transfer from a bank account other thana Japan Post Bank accountTransfer from a Japan Post Bank account* Procedures are required at the financial institution.
Please submit the above-stated documents ① For
financial institutions and ② For submission to thePromotion and Mutual Aid Corporation for Private Schoolsof Japan to the teller window of your financial
institution, and obtain the financial institution’s seal in the②”Financial institution confirmation column”. (*Thisis the column at the bottom right of the form ②).

* There are no documents to submit to Japan Post Bank.
Since procedures for Japan Post Bank will be carried out
through the Promotion and Mutual Aid Corporation for Private
Schools of Japan, please fill in the required information in the① For financial institutions and ② For submission to thePromotion and Mutual Aid Corporation for Private Schools ofJapan (two sheets) and submit them to the Promotion and
Mutual Aid Corporation for Private Schools of Japan.
*Please be sure to affix your seal registered with your financial
institution.

(Where to submit the above-stated documents ① to ③)(Where to submit the above-stated documents ① to ③)① Please submit the documents directly to your financial
institution’s teller window.
② After checking the confirmation stamp obtained from yourfinancial institution in the financial institution confirmation
column, submit the documents to the Promotion and Mutual
Aid Corporation for Private Schools of Japan.
③ Please keep it for yourself.

① After confirming that your seal registered with your financial
institution is affixed on the document, submit the document
to the Promotion and Mutual Aid Corporation for Private
Schools of Japan.
② Same as above. Please submit this document together
with the document ① to the Promotion and Mutual Aid
Corporation for Private Schools of Japan.
③Please keep it for yourself.

4-1 After completing the procedure, we will send you a “Notice Regarding the Start of Voluntarily
Continued Insurance Premium Bank Transfer (notification)” indicating the month in which theaccount transfer will start.

5-1 Account transfer started!
Note: Until the month in which the bank transfer starts, please pay at Japan Post Bank (postoffice) using the “Premium Payment Notice” attached to your Voluntarily Continued
Insurance Membership Card.

8Q9. I requested an account transfer, but must I pay using the Premium Payment Notice?
A: If you selected “Monthly payment” as your premium payment method when applying for the
Voluntarily Continued Insurance Membership System, we will send you the Premium Payment
Notices until March and the “Deposit Account Transfer Request Form/Automatic Payment
Application Form”. Even if you wish to use the bank transfer, you must pay the premium using
the Premium Payment Notice until this procedure is completed and the bank transfer
begins. (For details on the procedure, see page 8, “A-2”.)
If we cannot confirm the payment using the Premium Payment Notice, you will no longer be eligible
as the Voluntarily Continued Insurance Member and will be requested to refund your medical
expenses, etc. (See page 3 “Q4”.)
Also, even if you have received the “Notice Regarding the Start of Voluntarily Continued
Insurance Premium Account Transfer (notification)”, an account transfer may not be
possible due to the screening status of the financial institution or insufficient funds in youraccount. In this case, you must pay the premium using the Premium Payment Notice.
Therefore, please be sure to check your bankbook to confirm that the payment has been made.

Q10. When is the deadline for payment (payment deadline) using the Premium Payment Notice?
A: Generally, it is the last day of the previous month, except for the first installment.
Please check the information on the right side of the Premium Payment Notice that was sent toyou. If we cannot confirm your payment by the payment deadline, you will lose yourVoluntarily Continued Insurance Membership Status, so please be sure to pay by thedeadline.

Q11. When is the account transfer date?
A: It’s the 28th of every month. If the 28th is a financial institution holiday, the payment will betransferred the next business day. There will be no re-transfer if the transfer is impossible due toinsufficient funds. We will send you the “Premium Payment Notice” for that month later, so please
make the payment as soon as possible.

Q12. I have lost the Premium Payment Notice. What should I do now?
A: Please contact us so that we can reissue your Premium Payment Notice.
→☎03 (3813) 5321 (Switchboard) Premium Payment Section, Premium Payment Officer

9Q13. What should I do if I want to change my payment method?
A: Please submit the “Payment Method Change Request Form” (the form is on the last page of thisguide).
If you select “Monthly payment (including bank transfer)” when enrolling in Voluntarily Continued
Insurance Membership, but the bank transfer does not start, please refer to page 8 of this guideand complete the procedure. You must submit the “Deposit Account Transfer Request Form” and send
it along with your Voluntarily Continued Insurance Membership Card to the Promotion and Mutual Aid
Corporation for Private Schools of Japan.
Note: Until the account transfer starts, please pay at Japan Post Bank (post office) using the“Premium Payment Notice”.
Information on the “Payment Method Change Request Form” procedures⑴ “Account transfer” ⇒ “Premium Payment Notice”
As a general rule, the account transfer payment will be canceled from the month following the day on
which the “Payment Method Change Request Form” is received. Please pay by the deadline using
the “Premium Payment Notice” we will send you later.
⑵

There is a deadline for “Monthly payment (including bank transfer)” ⇔ “Annual payment” and “Semiannual payment”.

Current payment method① If you change from Monthly payment (Premium Payment Notice /Account transfer) to Annual
payment
The reception period will be ① (*) or ②.
②

If you change from Monthly payment (Premium Payment Notice /Account transfer) to Semi-annual
payment
The reception period will be ① or ②③

If you change from Semi-annual payment to Monthly payment (Premium Payment Notice/Accounttransfer)
The reception period will be ① or ②④

If you change from Annual payment to Monthly payment (Premium Payment Notice /Accounttransfer)
The reception period will be ① or ②

① If your application is received by the end of July, the payment method will be changed from October.
*If you change from Monthly to Annual payment, the payment will be Semi-annual from October toMarch and then Annual from April of the following year.
② If your application is received by the end of January, the payment method will be changed from April.
Q14. Will I not have to pay twice, i.e., premium deducted from wages and Voluntarily Continued
Insurance Premium if I quit my job in the middle of the month?

A: It will not be a double payment associated with the Voluntarily Continued Insurance Premium.
The school pays the insurance premium during the employment relationship. Generally, premiums
are paid to the Promotion and Mutual Aid Corporation for Private Schools of Japan one monthlate. Therefore, the premium deducted from your salary in the month of your retirement should beequivalent to the premium you should pay during your employment (premium for the month before
your retirement month). Please contact the school where you used to work to confirm.
Example) In case of retirement on February 15th
The premium for January, when you were still employed…is paid by the school.
The premium for February when you were enrolled as a Voluntarily Continued Insurance Member…is paid by the Voluntarily Continued Insurance Member (yourself) within the due date.

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3. Procedures when notification contents changed
Q15. What should I do in a situation like this?
・My last name changed because I got married, etc.
・My address changed because I moved.
・I want to change the registered account for the receipt of benefits or the accountfor the payment of premiums.
A: In either case, please immediately submit the “Notification of Change of the Voluntarily Continued
Insurance Member’s Name/Address DL” to the Promotion and Mutual Aid Corporation for Private
Schools of Japan (the Notification form is on the last page).
Payment notices will not be reissued due to changes or corrections to your address or name. Pleasecorrect the Premium Payment Notice you already have and use it to make the payment.
In the case of changing or correcting the Voluntarily Continued Insurance Member’s name or the nameof the Voluntarily Continued Insurance Member’s Dependent, please attach documents confirming theVoluntarily Continued Insurance Member’s identity (one copy of the Voluntarily Continued Insurance
Member’s driver’s license, or one copy of the Voluntarily Continued Insurance Member’ passport, or
one come of Voluntarily Continued Insurance Member’ certificate of residence (without My Number)).
After the name change/correction process, we will issue a new Voluntarily Continued Insurance
Membership Card. Therefore, please be sure to return your old Voluntarily Continued Insurance
Membership Card, etc. If you change your address, a new Voluntarily Continued Insurance
Membership Card will not be issued. Therefore, please correct your address in the address field on
your currently used Voluntarily Continued Insurance Membership Card.
Note: If you notify the Promotion and Mutual Aid Corporation for Private Schools of Japan of your namechange due to marriage, etc., be sure to also change the account holder’s name of your registeredaccount for the receipt of benefits at your financial institution.
If you chose the account transfer as the payment method for the premiums and changed yourregistered account for the receipt of benefits, we will send you a new “Deposit Account Transfer
Request Form”. Therefore, please refer to page 8 of this document to complete the procedure. Until
the month in which the bank account transfer begins, payment will be made using the Premium
Payment Notice. (Please use the Premium Payment Notice sent at the time of enrollment. If you
wish to have it reissued, please contact the Promotion and Mutual Aid Corporation for Private
Schools of Japan.)Please note that if you do not complete the procedure, you cannot resume withdrawals for the
Voluntarily Continued Insurance Premium.

Q16. Can I change my account for the receipt of benefits to a public money-receiving
account?
A: Yes, you can do it. However, please be sure to register your account with Mynaportal in advance. After
registration, please enter the same account as the public money-receiving account stated on the“Notification of Change of the Voluntarily Continued Insurance Member’s Name/Address DL”, checkthe box for the desired use of the public money-receiving account, and submit the Notification to thePromotion and Mutual Aid Corporation for Private Schools of Japan.
* Mynaportal is a government-run service that allows you to receive various services by registering
your “My Number Card”.
* A public money-receiving account is an account registered with the government (Digital Agency) alongwith your My Number as an account for receiving benefits, etc.
★Both registration and use are optional. Please check the Digital Agency website for details on
Mynaportal and how to register an account. (https://www.digital.go.jp)

11Q17. My dependent has found a job. Do I need to take any necessary steps?
A: If your dependent no longer meets the requirements to be a dependent due to employment,
marriage, excess income, bereavement, separation (*residing out of Japan), etc., you must
submit the “Dependent Membership Cancellation Application Form DL”.
Also, if this person becomes dependent in another health insurance or if a certificate is required
to enroll in the National Health Insurance, please submit the “Certificate of Eligibility Request
Form DL” at the same time.
Please be sure to return your Voluntarily Continued Insurance Membership Card and Voluntarily
Continued Insurance Member’s Dependent Membership Card to the Promotion and Mutual Aid
Corporation for Private Schools of Japan. (See page 15 for the return address)*Regarding dependents, as of April 2020, residency requirements in Japan have been added.
Therefore, if your dependent lives outside of Japan, the dependent’s membership status must be
canceled unless there are certain exceptions.
DL...This form can be downloaded from the Promotion and Mutual Aid Corporation for Private
Schools of Japan website [Download the form].
(https://www.pmac.shigaku.go.jp/)

4. Final Tax Return or Year-end Adjustment proceduresQ18. When filing a Final Tax Return or making Year-end Adjustments, can I declare the paid
Voluntarily Continued Insurance Premium as an amount that can be deducted from theincome amount subject to tax (Social Insurance Premium Deduction)?
A: The paid Voluntarily Continued Insurance Premium can be deducted as the social insurance
premium and declared when filing your Final Tax Return or Year-end Adjustment. When filing a
Tax Return, please fill in the Voluntarily Continued Insurance Premium amount in the “Social
Insurance Premium Deduction” column. Please enter “Health Insurance” in the “Type of theSocial Insurance” field and “Promotion and Mutual Aid Corporation for Private Schools ofJapan” in the “Name of Insurance Premium Payee” field.
We will send you the “Voluntarily Continued Insurance Premium Payment Certificate” in late
October. (However, if you became Voluntarily Continued Insurance Member after late October or
paid your Voluntarily Continued Insurance Premium for the first time after late October, we will
send you the Voluntarily Continued Insurance Premium Payment Certificate in late January.)
If you made a payment using the Premium Payment Notice, you can also confirm the receipt
with the financial institution’s receipt stamp, so please keep it in a safe place.
Please note that no receipt will be issued if payment is made by account transfer.

125. Information regarding enrollment in the Pension System during theVoluntarily Continued Insurance Membership
Q19. Will I be enrolled in the Pension System or the Promotion and Mutual Aid Corporation
for Private Schools of Japan mutual aid plan during the Voluntarily Continued
Insurance Membership?
A: The Voluntarily Continued Insurance Membership System is a system that only provides short-term
benefits (health insurance).
If you are 20 or older and younger than 60 at the time of retirement, you must enroll in the National
Pension System. While employed, you were a Category 2 Insured Person under the National Pension
System. However, after retirement, you will be enrolled as a Category 1 Insured Person or a Category
3 Insured Person under the National Pension System. Please note that if you are under 20 or over
60, you do not need to enroll in the National Pension System.
① If your spouse is enrolled in the Promotion and Mutual Aid Corporation for Private Schools of Japanmutual aid plan, another mutual aid association, or in a general Employees’ Pension Insurance, lives
in the same household as you, and your annual income is 1.3 million JPY (1.8 million JPY if you arereceiving disability pension) ), you must complete the procedure to change the type from
Category 2 Insured Person to Category 3 Insured Person (the procedure will be done throughthe health insurance system that your spouse is enrolled in).
② If you do not fall under ① above, please complete the procedure to change your type from
Category 2 Insured Person to Category 1 Insured Person (the procedure should be done at the
National Pension Section in your municipality).

6. Withdrawing ProceduresQ20. Can I terminate my Voluntarily Continued Insurance Membership before the two-year
period ends?
A: In the case of ① below, you can withdraw from the Voluntarily Continued Insurance Membership until
the end of the month in which your request is made. In addition, if ② applies, you can withdraw fromthe Voluntarily Continued Insurance Membership until that day. If ③ to ⑤ apply, you can withdraw from
Voluntarily Continued Insurance Membership until the day before the applicable date.
If ① to ③apply, please submit the “Report Form for Loss of the Voluntarily Continued Insurance
Membership Qualification DL” (hereinafter referred to as the “Qualification Loss Report Form”) to
the Promotion and Mutual Aid Corporation for Private Schools of Japan (the form is also available on
the last page of this guide).
In addition, if you submit the “Qualification Loss Report Form” for reasons ① or ②, we will issue a“Qualification Certificate”.
① If you wish to withdraw for the following reasons:
・I want to switch to National Health Insurance (including National Health Insurance for doctors,
National Health Insurance Society, etc.)
・I want to become a dependent insured in my family member’s health insurance, etc.
・I am leaving Japan, etc.
→Please submit the “Qualification Loss Report Form” by the last day of the month before the monthin which you wish to switch. (For example, if you wish to switch to National Health Insurance from
August or be recognized as a dependent, submit the “Qualification Loss Report Form” from July 1st
to 31st.)Notes: After completing the withdrawal procedure from the Voluntarily Continued Insurance
Membership, please complete the enrollment procedures for National Health Insurance(including National Health Insurance for doctors, National Health Insurance Society, etc.) andobtain the recognition as a dependent. (You cannot retroactively lose your eligibility as a
Voluntarily Continued Insurance Member because you have been recognized as a dependent.).
Notes: You will remain a Voluntarily Continued Insurance Member until the last day of the month inwhich you submit the “Qualification Loss Report Form” (the next day is the day you loseeligibility).

13

② When you die→“Qualification Loss Report Form” must be submitted.
*Please contact the Short-Term Benefits Section of the Promotion and Mutual Aid Corporation
for Private Schools of Japan for procedures to request benefits such as burial expenses.
③ When you get a job at a workplace covered by health insurance, etc.
→When you receive your insurance card at your new workplace, please submit the“Qualification Loss Report Form” along with a copy of your insurance card. The date you
become eligible for the new health insurance will be the date you lose eligibility for the
Voluntarily Continued Insurance Membership.
*If you are enrolled in the National Health Insurance Society, such as the National Health
Insurance for Doctors or foreign medical insurance, it will be treated as ① instead of ③.
④ When rejoining the Promotion and Mutual Aid Corporation for Private Schools of Japan
Mutual Aid System→The qualification loss will be processed through the re-qualification procedure from the school
corporation. Therefore, you do not need to apply for any procedures.
⑤ If you are 65 or older and younger than 75 and become insured under the Medical Care
System for the Latter-Stage Elderly.
→ Please attach a copy of your Insurance Card for the Medical Care System for the LatterStage Elderly to the “Notification of Applicability/Inapplicability of Qualification for Medical
System for the Latter-Stage Elderly DL” (not the “Qualification Loss Report Form”) andsubmit the documents.
DL...This form can be downloaded from the Promotion and Mutual Aid Corporation for Private
Schools of Japan Mutual Aid Website. [ Download the form](https://www.pmac.shigaku.go.jp/)

Q21. I have submitted the “Report Form for Loss of the Voluntarily Continued Insurance
Membership Qualification DL” to withdraw from the Voluntarily Continued Insurance
Membership. Will I receive the refund of the prepaid Voluntarily Continued Insurance Premiums?

A: The prepaid Voluntarily Continued Insurance Premiums for the period after disqualification will be
refunded at a later date by submitting a “Voluntarily Continued Insurance Premium Refund ClaimForm” (hereinafter referred to as the “Refund Claim Form”). After we confirm the loss of eligibility
as the Voluntarily Continued Insurance Member, we will send you the “Confirmation Notification”
and enclose the “Refund Claim Form”. Please be sure to submit the “Refund Claim Form”.
Notes① Suppose you pay by account transfer and lose your eligibility before the Voluntarily
Continued Insurance Membership Period ends. In that case, the next month’s premium
may be transferred even after submitting the “Refund Claim Form”.
Notes② Suppose you lose your eligibility due to death, employment at a workplace covered by other
health insurance, enrollment in the Medical Care System for the Latter-Stage Elderly, etc.,
in the same month in which you became the Voluntarily Continued Insurance Member. In
that case, you must pay that month’s Voluntarily Continued Insurance Premium Amount.
Notes③ Please note that the right to receive a refund will expire due to the statute of limitations two
years from the day after the premium was paid.

14

7. When the Voluntarily Continued Insurance Membership Period(2 years) expires
Q22. My Voluntarily Continued Insurance Membership Period (2 years) has expired.
Do I need to take withdrawal procedures?
A. You do not need to take any steps (the Promotion and Mutual Aid Corporation for Private Schoolsof Japan will automatically process your loss of eligibility).
We will send you the following documents approximately half a month before your Voluntarily
Continued Insurance Membership Period expires. Please use them to apply for the healthinsurance system (National Health Insurance, etc.) after your Voluntarily Continued Insurance
Membership Period expires.
① “Certificate of Eligibility”② Notice of expiration of your Voluntarily Continued Insurance Membership Period (information
on joining medical insurance after expiration)③ Return envelope
Please return your Membership Card to the Promotion and Mutual Aid Corporation for Private
Schools of Japan immediately after expiration using the enclosed return envelope.
Q23. Can I be enrolled in the Voluntarily Continued Insurance for more than two years?
A. The maximum duration of the Voluntarily Continued Insurance Membership is two years. It cannot
be renewed or extended.
If you withdraw from the Voluntarily Continued Insurance Membership within two years, you
cannot rejoin.

Q24. What should I do with my Voluntarily Continued Insurance Membership Card after
withdrawal (including the expiration of the 2-year membership)?
A: Please be sure to return the Voluntarily Continued Insurance Membership Card to the Promotionand Mutual Aid Corporation for Private Schools of Japan.
If you have been issued an “Eligibility Certificate for Ceiling-Amount Application” or “Latter-Stage
Elderly Recipient Certificate”, please return them at the same time.
・If you cannot return the Membership Card due to loss or other reasons, please submit the“Notification of Unreturnability of the Voluntarily Continued Insurance Membership Card DL”.
・After withdrawing your membership or canceling your dependent status, you cannot use yourMembership Card at a medical institution. If you use it, you must return the medical expenses
paid by the Promotion and Mutual Aid Corporation for Private Schools of Japan.

[Where to return your Membership Card]
1-7-5 Yushima, Bunkyo-ku, Tokyo 113-8441
The Promotion and Mutual Aid Corporation for Private Schools ofJapan
Administrative Department
Qualification Section

DL...This form can be downloaded from the Promotion and Mutual Aid Corporation forPrivate Schools of Japan Mutual Aid Website. [Download the form](https://www.pmac.shigaku.go.jp/)15

8. When you turn 75 years old (Medical Care System for the
Latter-Stage Elderly)
Q25. I will turn 75 while I am enrolled in the Voluntarily Continued Insurance. Can I continue
to be enrolled in the Voluntarily Continued Insurance after turning 75?
A: You must withdraw from the Voluntarily Continued Insurance until the day before your 75thbirthday. Therefore, you cannot be enrolled in the Voluntarily Continued Insurance after
turning 75.
This is because people aged 75 and over are enrolled in the “Medical Care System for the LatterStage Elderly” operated by the “Association Responsible for Operation of the Healthcare System
for the Elderly Aged 75 and Older” established in each prefecture. After your 75th birthday, youmust use your Medical Care System for the Latter-Stage Elderly Insurance Card.
The Promotion and Mutual Aid Corporation for Private Schools of Japan will automaticallyprocess withdrawals due to turning 75 years old, so there is no need to notify. Approximately
one month before your 75th birthday, you will be notified of your withdrawal via an “AdvanceNotification Letter”. After withdrawing, please return your Membership Card to the Promotion and
Mutual Aid Corporation for Private Schools of Japan.
Additionally, if the Voluntarily Continued Insurance Member is under 75 years of age and theirdependent reaches 75 years of age, please return the Voluntarily Continued Insurance
Member’s Dependent Membership Card to the Promotion and Mutual Aid Corporation forPrivate Schools of Japan (see page 15 for return address).
If you lose your Voluntarily Continued Insurance Member Qualification in the same month you
gained it, you must pay that month’s premium.
Notes: Separate notifications are required in the following cases:① If the address of the dependent who turned 75 is different from the address of the Voluntarily
Continued Insurance Member→You must submit the “Address Notification of Medical Care System for the Latter-Stage ElderlyDL” (the form is enclosed with the “Advance Notification Letter” for withdrawal at age 75).
② If the Voluntarily Continued Insurance Member or dependent aged 65 or older and younger than
75 has been certified as disabled by the Association Responsible for Operation of the Healthcare
System for the Elderly Aged 75 and Older and has joined the Medical Care System for the LatterStage Elderly.
→You must submit the “Notification of Applicability/Inapplicability of Qualification for Medical
System for the Latter-Stage Elderly DL”.
As with people over the age of 75, you must withdraw the Voluntarily Continued Insurance
Membership.
③ If you are 75 years old or older, or ② applies to you and you are not registered as a resident inJapan and not covered by the Medical Care System for the Latter-Stage Elderly.
→You may continue to enroll in the Voluntarily Continued Insurance (for dependents, only if theyfall under the exceptions to the Japan residency requirements). Please contact the Promotionand Mutual Aid Corporation for Private Schools of Japan.

Q26. Can dependents under the age of 75 be enrolled in the Voluntarily Continued
Insurance even if the Voluntarily Continued Insurance Member reaches age 75 during
their Voluntarily Continued Insurance Membership?
A: If the Voluntarily Continued Insurance Member reaches the age of 75 and withdraws from theVoluntarily Continued Insurance Membership, dependents must also withdraw from theVoluntarily Continued Insurance Membership regardless of their age and cannot be enrolled in it.
Dependents under the age of 75 must enroll in National Health Insurance. The “Certificate of
Eligibility” required for the enrollment procedure will be sent together with the “AdvanceNotification Letter”.
DL...This form can be downloaded from the Promotion and Mutual Aid Corporation forPrivate Schools of Japan Mutual Aid Website. [Download the form](https://www.pmac.shigaku.go.jp/)16

9. Information about Short-term Benefits
Q27. What is the Short-term Benefit?
A: It is equivalent to “Health insurance” that people who work for private companies enroll in.
Short-term benefits consist of statutory benefits such as health benefits, temporary absence fromwork compensation benefits, and disaster benefits, as well as additional benefits and co-payment
refunds that supplement these statutory benefits. Short-term benefits are provided in the event of
illness, injury, childbirth, death, absence from work, disaster, etc.

Q28. Please provide details of the benefits that the Voluntarily Continued Insurance
Member can receive.
A: The types and payment requirements of Short-term Benefits that Voluntarily Continued Insurance
Members can receive are almost the same as when they were employed, except for leave
benefits (injury and sickness allowance, maternity allowance, leave allowance). For details on
Short-term Benefits, please refer to the “Projects and Procedures Available During the Voluntarily
Continued Insurance Membership Period” on the Promotion and Mutual Aid Corporation forPrivate Schools of Japan website.

Q29. Is it okay to show only my Membership Card to medical institutions?
A: When receiving insurance treatment, bring your Membership Card to the teller window of theMedical Institution. The co-payment rate is 30% for Voluntarily Continued Insurance Members
under 70 years of age and their dependents, and 20% for persons aged 0 to the age before
entering compulsory education. If you are 70 and over, you must pay the co-payment rate listed
in your Latter-Stage Elderly Recipient Certificate. If you are 70 or older and receive medical
treatment covered by health insurance, or when you have been certified as eligible for a refundof high medical expenses exceeding the ceiling amount, you must present the following
documents in addition to your Membership Card:

1.Latter-Stage Elderly Recipient Certificate (for those aged 70 and over and under 75)
If you are 70 or older and receive insurance treatment at a Medical Institution, you must present
your “Mutual Aid Association of Private School Personnel Latter-Stage Elderly Recipient
Certificate” (hereinafter referred to as the “Latter-Stage Elderly Recipient Certificate”) along withyour Membership Card. This document states your co-payment rate for medical treatment coveredby insurance, which is generally 20%. However, if your standard monthly remuneration, which isthe basis for calculating the Voluntarily Continued Insurance Premiums, is 280,000 JPY or more,
your co-payment rate will be 30%.
The “Latter-Stage Elderly Recipient Certificate becomes applicable from the 1st of the monthfollowing the month of your 70th birthday (if your birthday is on the 1st, the month of your birthday).
The Promotion and Mutual Aid Corporation for Private Schools of Japan will send you your LatterStage Elderly Recipient Certificate in the middle of the month before the application start date.
17

2.Eligibility Certificate for Ceiling-Amount Application (*Applicable to persons under 70 years
old and persons aged 70 and over but under 75 who pay a 30% co-payment rate)
If you are under the age of 70 or the co-payment rate stated in your Latter-Stage Elderly Recipient
Certificate is 30%, you can pay the Standard Reduced Amount of Patient Liability for the HighCost Medical Expenses and reduced co-payment rate amount by presenting your “Eligibility
Certificate for Ceiling-Amount Application” together with your Membership Card at the teller
window of the Medical Institution. You will not have to pay the equivalent co-payment rate for theHigh-Cost Medical Expenses.
The “Eligibility Certificate for Ceiling-Amount Application” will be issued upon application. Please
fill in the necessary information on the “Application Form for Issuance of the Eligibility Certificate
for Ceiling-Amount Application DL” and submit the form to the Promotion and Mutual Aid
Corporation for Private Schools of Japan.
Suppose you do not present the “Eligibility Certificate for Ceiling-Amount Application”. In that case,
you will have to pay the co-payment rate (30% or 20%) amount at the teller window of the Medical
Institution. However, after 3-4 months, we will send you the high-cost medical expenses, additional
benefits, and a partial co-payment refund, so the result will be the same. In this case, no particular
procedure is required.

Q30. Will I receive any notification when my benefits are paid?
A: When Short-term benefits or Complete Medical Checkup Subsidies are determined and remitted,
we will send you a “Benefits Determination/Remittance Notice” informing you of the benefit
payment date and recipient financial institution, etc.
If you have any questions, please contact the person in charge at the Promotion and Mutual Aid
Corporation for Private Schools of Japan Headquarters.
○ Information regarding remittance of Short-term benefits→ Short-term Benefits Section, Cash Benefits Unit 1/Cash Benefits Unit 2○ Information regarding remittance of the Complete Medical Checkup Subsidy→ Health Section, Health Unit
★ Please follow the instructions below:
The benefit will be transferred to the Voluntarily Continued Insurance Member’s registeredaccount, which the Voluntarily Continued Insurance Member has registered in advance with thePromotion and Mutual Aid Corporation for Private Schools of Japan. If you wish to receive yourbenefits through a public money-receiving account (an account registered on Mynaportal), pleasematch the public money-receiving account details with the account registered with the Promotionand Mutual Aid Corporation for Private Schools of Japan. If there are any changes to theregistered account (including a change of the account holder’s name), please notify us using the“Notification of Change of the Voluntarily Continued Insurance Member’s Name/Address”.

Q31. What should I do with my health insurance after withdrawing from the Voluntarily
Continued Insurance Membership (after losing eligibility)?
A: Once you are no longer eligible for the Voluntarily Continued Insurance Membership, you mustjoin the National Health Insurance, Health Insurance System, Mutual Aid Association (including
members of the Promotion and Mutual Aid Corporation for Private Schools of Japan System), etc.
Please promptly return your Voluntarily Continued Insurance Membership Card to thePromotion and Mutual Aid Corporation for Private Schools of Japan and notify the Medical
Institution where you are being treated that your health insurance has changed.
DL...This form can be downloaded from the Promotion and Mutual Aid Corporation forPrivate Schools of Japan Mutual Aid Website. [Download the form](https://www.pmac.shigaku.go.jp/)18Q32. Are there any cases where I cannot use my Membership Card if I visit a medical
institution?
A: Please note that your Membership Card cannot be used in the following cases:①

Illness or injury occurred at work or while commuting to work②

Health checkup③

Normal pregnancy and childbirth④

Vaccination⑤

Cosmetic surgery⑥

Abortion for economic reasons

Note: If a Voluntarily Continued Insurance Member or dependent wants to receive treatment for an
injury caused by a third party, such as a traffic accident, please contact the Promotion and
Mutual Aid Corporation for Private Schools of Japan before using your Membership Card.

Q33. Can I use my Membership Card after losing eligibility?
What will happen to my medical expenses if I end up using it?
A: You cannot use your Membership Card after the date of loss of eligibility.
Suppose you receive insurance medical treatment using your Membership Card after thedate of loss of eligibility. In that case, you will be treated as ineligible and required to returnthe medical expenses.
Suppose you lose your eligibility due to non-payment of the premium. In that case, your eligibility
will be canceled retroactively to the month in which you did not pay the premium (the same
applies to the month in which you paid after the payment deadline). In this case, please notethat if you visit a medical institution, you will not be covered by the Promotion and Mutual
Aid Corporation for Private Schools of Japan System, and you must return the medical
expenses paid by the Promotion and Mutual Aid Corporation for Private Schools of Japan.
Suppose you forget to pay the first premium. In that case, your qualification as a Voluntarily
Continued Insurance Member will be canceled, and you will not be covered by the Promotionand Mutual Aid Corporation for Private Schools of Japan System Insurance.
In addition, dependents who no longer qualify will also be considered ineligible from the datethey lose eligibility.

1910. Information about Welfare Services
Q34. Please provide the details of the Welfare Services that the Voluntarily Continued
Insurance Member can receive.
A: The Welfare Services available to the Voluntarily Continued Insurance Member are almost thesame as those available during employment, with some exceptions.
In addition to Specific Health Checkups and Specific Health Guidance, Complete Medical
Checkup Subsidies, mail screening, mental health, and other consultation services,congratulatory gifts and get-well-soon gifts, discounts on department stores and specialty stores,
accommodation facilities, welfare facilities, sports facilities, etc., you can use the Accumulated
Mutual Aid Pension & Mutual Aid Term Insurance Systems (these two Systems are available only
to Voluntarily Continued Insurance Members who have enrolled in the Voluntarily Continued
Insurance Membership during their employment), lodge at directly managed facilities, and receive
discounts at Tokyo Rinkai Hospital, etc.
In addition, the Voluntarily Continued Insurance Members can participate in various events heldat the Mutual Aid Administrative Sections of each Garden Palace in seven blocks across thecountry, including lectures and classes on how to maintain and improve health in a way that is
appropriate for each region, field trips, and sports tournaments.
For details on the programs’ contents, please refer to the Promotion and Mutual Aid Corporation
for Private Schools of Japan website’s “Projects and Procedures Available During the Voluntarily
Continued Insurance Membership Period” and the newsletters published by each block.
1. Complete Medical Checkup Subsidy
Please submit the “Complete Medical Checkup Subsidy Request Form DL” to the Promotion and
Mutual Aid Corporation for Private Schools of Japan. The subsidy will be transferred directly tothe registered account of the Voluntarily Continued Insurance Member.
◎ You must attach documents when requesting a Complete Medical Checkup for the
Voluntarily Continued Insurance Member and their dependents.
Voluntarily Continued Insurance Members and their dependents between the ages of 40 (including
those who will reach this age within the current year) and 74 on the day of the Medical Checkup
are eligible for a Specific Health Checkup. Please note that you must attach the “Medical Checkup
Results Entry Form and Standard Questionnaire DL”(*), which are required.
*This form is also available in the “Specific Medical Checkup/Specific Health Guidance Genki
Guide” sent by the Promotion and Mutual Aid Corporation for Private Schools of Japan.
2. Specific Medical Checkup/Specific Health GuidanceApplicable for the Voluntarily Continued Insurance Members and their dependents between theages of 40 and 74.
We will send the “Specific Medical Checkup Ticket” (book of tickets) (hereinafter referred to as the“Checkup Ticket”) directly to the address of the Voluntarily Continued Insurance Member. Suppose
you undergo a Medical Checkup using the Checkup Ticket. In that case, the Checkup fee is free,
and the Medical Checkup Institution will submit the Checkup results to the Promotion and Mutual
Aid Corporation for Private Schools of Japan. However, please note that if you do not use theMedical Checkup Ticket and undergo a Complete Medical Checkup or a Medical Checkup at yourpart-time job, you must submit the Medical Checkup Results directly to the Promotion and Mutual
Aid Corporation for Private Schools of Japan. If you submit the Medical Checkup Results, thePromotion and Mutual Aid Corporation for Private Schools of Japan will provide health information
based on the contents of the Checkup. If you are eligible for the Specific Health Guidance, we will
send the “Specific Health Guidance Ticket” to your address.
3. Accumulated Mutual Aid Pension
The new membership is not possible. If you were a member while employed and left the company
and became the Voluntarily Continued Insurance Member and you did not request to withdraw,
you will be treated as a continuant during the Voluntarily Continued Insurance Membership Period(no procedures are required). However, once you reach the age of 65, the Accumulated
Contributions (Payments) Period will expire.
DL...This form can be downloaded from the Promotion and Mutual Aid Corporation forPrivate Schools of Japan Mutual Aid Website. [Download the form](https://www.pmac.shigaku.go.jp/)20

If you wish to change your Premium Transfer Account, change the account holder’s name due toa name change, etc., or change your address or telephone number, please submit the “Request
for Change of the Accumulated Mutual Aid Pension Transfer Account/ Address”.
If you wish to change the Number of Units (increase/decrease, mid-term lump sum payment),
please submit the “Application for Change of the Course Enrollment/Number of Units” during thetwice-yearly application period (June and November).
4. Mutual Aid Term Insurance
New membership is not possible. If you were a member while employed and left the company andbecame a Voluntarily Continued Insurance Member and did not request to withdraw, you will betreated as a continuant during the Voluntarily Continued Insurance Membership Period (noprocedures are required). However, you will automatically withdraw from the long-term leavecompensation course at the end of the month, which includes your retirement date.
Suppose you are 50 or older and were enrolled in the Mutual Aid Term Insurance for one year or
more at the start of your liability after withdrawal from the Voluntarily Continued Insurance
Membership. In that case, your insurance will be automatically renewed even after withdrawal.
You can only review your insurance coverage by reducing the number of units or withdrawing yourmembership during the once-a-year second-term application period (November), so pleasecontact us using the contact information below (*).
If you wish to withdraw from the program outside the second-term application period, pleasesubmit the “Retirement and Withdrawal Application”. If you submit the Application by January 25
or July 25, the account transfer will not be made on March 22 or September 22 (or the next
business day if it falls on a holiday). If you submit the Application by the end of March or the endof September after the above deadline, the insurance premium will be transferred to our account.
However, the insurance premium will be refunded to your registered personal account around theend of June or December.
For the Family Pension Course and Medical Security Course, dividends (as of October 1 of theprevious year) may be paid to members around the end of June. Dividends will be transferred toyour registered personal account (if the Medical Security Course ends at the end of September,there will be no dividends).
If you wish to change the registered account, the account holder’s name due to a change of name,etc., or change your address or telephone number, please submit the “Request for Change of
Mutual Aid Term Insurance Transfer Account/ Address/Telephone Number”.
*Mutual Aid Term Insurance Toll-free Number: 0120 (716)267 (Weekdays 9:00 ~ 17:15)
5. Life planning support project
You can participate in the “Life Planning Seminar”. For details on how to apply, please refer to the“Mutual Aid Newsletter” for Members.
6. Medical facility (Tokyo Rinkai Hospital)
As with members, you must pay 10% of your medical expenses for inpatient and outpatient care(excluding dependents). Additionally, if members or dependents are hospitalized, we offer a
discount on the difference in hospital room charges. Health checkups and other services are alsoavailable at a discounted rate at the attached Health and Medical Center.
7. Installment savings
Not available. If you have any accumulated funds from your employment period, immediately
cancel the contract through your school. If you do not complete the cancellation procedure, theaccumulated funds will become deposits and not earn interest.
Please note that the right to receive a refund of your deposit will expire after ten years due to thestatute of limitations.
8. Loan
Not available.

2111. When My Number is newly assigned or changed
When a new My Number is assigned to a Voluntarily Continued Insurance Member, or when theMember’s My Number is changed, please report using the “My Number Update Notification Form
DL”.
When reporting using the “My Number Update Contact Form”, please attach one of the following
documents:① “Copy of your Individual Number Card” – a copy of one document② “Copy of your Residence Card with your My Number (or Individual Number Notification
issued as of May 25, 2020)” and “Copy of your driver’s license (or passport)” – copies of
two documents
When a new My Number is assigned to a dependent of a Voluntarily Continued Insurance Member,or when the dependent’s My Number is changed, please report using the “My Number Update
Notification Form”. The Voluntarily Continued Insurance Member will be responsible for confirming
the dependent’s My Number when making the report. (Please do not attach any documents
confirming the dependent’s My Number, as they are not required).

12. Requests regarding use of the Membership Card
Please note the following precautions. Please also inform your dependents.
①

When you receive your Membership Card, please immediately write your address in the addresscolumn and keep it in a safe place.

②

When visiting an insured medical institution, present your Membership Card (*) at the teller
window. If you are 70 years of age or older, please attach your Latter-Stage Elderly Recipient
Certificate to your Membership Card. Depending on the nature of your medical treatment, you
may be unable to use your Membership Card. (For details, please refer to Q32 on page 19)(*) If you join the Voluntarily Continued Insurance Membership after the insurance card is
discontinued in the fall of 2024, please present the “Qualification Certificate” or “Notice of
Qualification Information” instead of the Membership Card.

③

You can use your My Number card in the same way as your Membership Card. (However,advance registration on Mynaportal is required.)④

When a Voluntarily Continued Insurance Member loses eligibility or the dependent no longer
meets the requirements, please return the Membership Card to the Promotion and Mutual
Aid Corporation for Private Schools of Japan without delay.

⑤

If you use your Membership Card fraudulently, you may be sentenced to imprisonment for fraud
under the Penal Code.

⑥

If the information on your Membership Card changes, please submit the “Notification of Changeof the Voluntarily Continued Insurance Member’s Name/Address” to the Promotion and Mutual
Aid Corporation for Private Schools of Japan without delay.

⑦

If you lose your Membership Card, we will reissue it. Please attach your ID to the “Application
Form for Reissuance of the Membership Card/Dependent Card/Latter-Stage Elderly Recipient
Certificate DL” and apply for the reissue.

DL...This form can be downloaded from the Promotion and Mutual Aid Corporation forPrivate Schools of Japan Mutual Aid Website. [Download the form](https://www.pmac.shigaku.go.jp/)2213. Various notification forms
1. Payment Method Change Request Form
(Please submit when changing the Voluntarily Continued Insurance Premiums payment method.)
2. Notification of Change of the Voluntarily Continued Insurance Member’s Name/Address(Please submit when changing your name, address, and registered benefits-receiving account.)
3. Report Form for Loss of the Voluntarily Continued Insurance Membership Qualification(Please submit if you wish to withdraw before the Voluntarily Continued Insurance Membership
expires.)*Various notification forms (including forms other than those listed above) can be downloaded fromthe Promotion and Mutual Aid Corporation for Private Schools of Japan Mutual Aid Website[Download the form]. (https://www.pmac.shigaku.go.jp/)

３

０

１

２

上記０、１、２は納付通知書によるゆうちょ銀行（郵便局）からの払い込みとなります。
また、３を選択した場合でも口座振替の手続きを終えるまでの間は、納付通知書によるゆうちょ銀行からの支払いが必要になります。

For consultations and form requests
When contacting us by phone, please have your Membership Number, listed on your Membership
Card (Health Insurance Card), ready.

03 (3813) 5321 (Main phone number)

The Promotion and Mutual Aid Corporation for Private Schools of Japan
Mutual Aid Division
Reception hours: Monday to Friday 9:00-17:15(Excluding holidays and year-end and New Year holidays)
Depending on the content of your inquiry, we will connect you to the relevant department.
*We apologize for the inconvenience, as the main phone number for the Mutual Aid Business
Headquarters is currently unreachable. The phone line is especially busy on Mondays and in themorning. Please use the nearest Garden Palace Mutual Aid Department.
Sapporo Garden Palace
Mutual Aid Department☎ 011 (222) 6234

Kita 1-jo Nishi 6-chome, Chuo-ku,
Sapporo, JAPAN 060-0001

Sendai Garden Palace
Mutual Aid Department☎ 022 (299) 6231

4-1-5 Tsutsujigaoka, Miyagino-ku,
Sendai, JAPAN 983-0852

Nagoya Garden Palace
Mutual Aid Department☎ 052 (957) 1388

3-11-13 Nishiki, Naka-ku, Nagoya,JAPAN 460-0003

Ōsaka Garden Palace
Mutual Aid Department☎ 06 (6393) 9701

1-3-35 Nishinomiyahara, Yodogawaku, Ōsaka, JAPAN 532-0004

Hiroshima Garden Palace
Mutual Aid Department☎ 082 (262) 1134

1-15-21 Hikarimachi, Higashi-ku,
Hiroshima, JAPAN 732-0052

Fukuoka Garden Palace
Mutual Aid Department☎ 092 (752) 0651

4-8-15 Tenjin, Chuo-ku, Fukuoka,
JAPAN 810-0001

With some exceptions, various notification forms can be downloaded from the Promotion and Mutual
Aid Corporation for Private Schools of Japan Mutual Aid Website [Download the form].
(https://www.pmac.shigaku.go.jp/)

Please confirm!

【機密性 2B】

PMAC
The Promotion and Mutual Aid Corporation for Private Schools of Japan
Mutual Aid Division
1-7-5 Yushima, Bunkyo-ku, Tokyo, JAPAN 113-8441☎ 03 (3813) 5321 (Main phone number)
The Promotion and Mutual Aid
Corporation for Private Schools ofJapan Website

The Promotion and Mutual Aid
Corporation for Private Schoolsof Japan

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https://www.pmac.shigaku.go.jp/

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