Medical Care for Illness or Injury

Procedures

Insured persons and dependents present a Myna Health Insurance Card or an Eligibility Confirmation Document to hospitals or healthcare clinics to receive examinations, first aid, medication, and other healthcare services for a portion of the medical care costs for any non-occupational illness or injury. The EY Japan Health Insurance Society covers the remainder of those medical care costs.

Out-of-pocket Costs for Inpatient and Outpatient Services

Percentage of Out-of-pocket Costs

Age 70 to 74	20%　 *30% for income earners comparable to individuals in active service
Elementary school children to individuals age 69	30%
Preschool children	20%

*Income earners at the same level as active employees age 70 to 74 are insured persons or dependents who have a standard monthly remuneration of 280,000 yen or more. However, these insured persons and dependents may pay the standard 20% out-of-pocket costs by filing an application with the EY Japan Health Insurance Society if:

The individual is age 70 or older and earns less than 3.83 million yen annually without any dependents
The individual has a dependent or former dependent age 70 or older and has a total combined annual income of less than 5.20 million yen

Costs of Inpatient Meals

The EY Japan Health Insurance Society has also determined the amount patients pay out-of-pocket (standard out-of-pocket payments) even for meals during hospitalizations, and health insurance covers any costs exceeding the maximum amount of out-of-pocket costs as inpatient daily dietary treatment expenses.
However, any special menu options or special requests are treated as special surcharges paid by the insured person or dependent in the same way as amenity bed costs or other extraneous surcharges are when hospitalized in a deluxe hospital room.
Moreover, standard out-of-pocket costs for meals are not treated as high-cost medical care expenses.

Standard Out-of-pocket Costs for Each Inpatient Meal

General	510 yen
Children with specific chronic pediatric diseases or patients with intractable diseases receiving designated medical care (except for those falling under the low-income earner category)	300 yen
Low-income earners (exempt from municipal residence tax, etc.)	First 90-days of hospitalization: 240 yen 91 days or more after hospitalization: 190 yen
Elderly beneficiaries of low-income earner households	110 yen

*Patients age 65 or older hospitalized in a long-term care facility pay 510 yen per meal and per day in resident fees (referred to as the standard out-of-pocket payment for inpatient daily living treatment expenses). The EY Japan Health Insurance Society further reduces the out-of-pocket costs for low-income earners.

*Revised on April 1, 2025

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