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Japan Medical Cost Simulator
Three taps: who you are, roughly what you earn, and what happened. You get a realistic range for what you would personally pay — including Japan's monthly out-of-pocket ceiling, which most estimates ignore. Everything runs in your browser; nothing is sent anywhere.
1Your insurance
Not sure? If you work for a company you almost certainly have Employee Health Insurance. Otherwise, if you registered at city hall, you have NHI. Guide →
2Your household income
This only affects big bills — it sets your monthly ceiling under the high-cost benefit. A rough guess is fine.
3What happened?
Typical total treatment costs (before insurance), from the national fee schedule and common practice. Your case may sit outside these ranges.
On a Japanese receipt, total cost = the 点数 (points) figure × 10.
Assumes one person, one calendar month, insured (保険診療) care. Monthly-ceiling figures follow the revision effective August 2026; senior (70+) ceilings differ and are generally lower than shown. Fee-schedule figures are revised nationally every two years. Built and reviewed by a physician licensed in Japan — how we check facts.