Read this

Disclaimer

Educational estimate, not medical, financial or legal advice. Not affiliated with MHLW, 協会けんぽ, any health insurance society, city NHI office or hospital. Your insurer decides the actual benefit. Rules as of 2026-11-04.

Rules as of 2026-11-04 from the MHLW 高額療養費 review (caps for treatment up to Jul 2026, Aug 2026–Jul 2027 and from Aug 2027; 政令第240号 promulgated 2026-07-29), 協会けんぽ tables and city NHI pages. Income bands are approximate when you give annual income; insured care only.

What this is

A free educational calculator. It applies a dated reading (as of 2026-11-04) of the Ministry of Health, Labour and Welfare's high-cost medical expense benefit (高額療養費) tables, for treatment up to July 2026, August 2026 to July 2027 and from August 2027, to the bill and income band you enter.

What it isn't

Educational estimate, not medical, financial or legal advice. Not affiliated with the Ministry of Health, Labour and Welfare (MHLW), Japan Health Insurance Association (協会けんぽ), any health insurance society, city NHI office or hospital. Your insurer decides the actual benefit; extra benefits (付加給付) and local subsidies can lower your cost further. Rules as of 2026-11-04.

Your insurer works out the real benefit from the hospital's claims (レセプト), per person, per facility and per household, and applies its own extra benefits (付加給付). Income bands set by annual income are rough; your insurer uses your 標準報酬月額, 旧ただし書き所得 or 課税所得. The Aug 2027 tables are law (政令第240号) but could still be amended. Ask your insurer, or the MHLW call center 0120-617-111, before relying on a number.

Sources

Your data

What you enter stays in your browser (or in a share link you create). No login, no names, no medical details beyond an amount, no database.