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High-cost medical expense benefit (kogaku ryoyohi), limits checked September 25, 2026.

Your medical costs

Age and insurance

Income category

Employees: by standard monthly remuneration. See the table below the result.

Total medical cost this month (100%)

Points on the receipt × ¥10, not what you paid.

Inpatient Outpatient or pharmacy You pay

Your cost this month

Your monthly limit

—

Choose your income category and enter the cost.

Paid at the counter (your share)	—
High-cost benefit (comes back)	—
Limit formula	—
Yearly cap (August to July)	—

This is an estimate. The final amount is decided by your health insurer. Guide, sources and FAQ

Month of treatment:

Month of treatment

The limits changed in August 2026 and change again in August 2027.

I got this benefit in 3 or more of the last 12 months

Income categories and limits

Category	Standard monthly remuneration	Monthly limit, under 70 (4th time on)	70 and over (outpatient)

Not covered by this calculator

Adding up family members or several hospitals (use the Japanese calculator).
Meals in hospital, private rooms and treatment outside insurance.
Extra benefits from your health insurance society and special rules for dialysis.
The month you turn 75, and stays that run across two months.

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