Japan National Health Insurance 2026: How Much You Pay & How to Actually Use It

📅 Updated July 2026: Product information, prices, and travel details in this article have been updated to reflect the latest information as of July 2026.
JLL Verified & UpdatedLast reviewed June 2026 · Written by Miyabi, Japan Life Lab
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This article was created with AI writing assistance (ChatGPT, Claude, etc.). Product selection, specifications, and reviews are verified by the Japan Life Lab editorial team.

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📋 2026 Health Insurance Updates for Foreigners

  • National Health Insurance (NHI) annual premium cap for Tokyo (2026): Medical portion up to ¥920,000 + Long-term care up to ¥170,000 = total cap approximately ¥1,090,000/year
  • My Number Card required from December 2, 2025: Traditional health insurance cards are abolished — use your My Number Card or the Eligibility Confirmation Form (資格確認書) at hospitals
  • High-Cost Medical Care system unchanged: Monthly out-of-pocket cap varies by income — typically ¥80,100–¥252,600 per month depending on your income bracket

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