Healthcare Financial Planning - Japan

• Start with Healthcare Financial Planning 101Employees learn the six financial layers behind Japanese healthcare: the healthcare need, public insurance, statutory cost protection, employer or private coverage, personal cost exposure, and the next financial action worth checking.
• Build the Japan Healthcare Cost MapParticipants privately map where public insurance, High-Cost Medical Expense Benefit, employer or Health Insurance Society benefits, private insurance, and personal costs may fit around common healthcare situations.

What employees gain

• A simple map of how Japanese public health insurance, statutory cost protections, employer or insurer-specific support, private medical insurance, and personal spending can interact
• Greater confidence understanding statutory co-payments, the High-Cost Medical Expense Benefit, the new 2026 annual ceiling, and costs that remain outside the ceiling
• A clearer understanding of MyNa Health Insurance Card, Selected Medical Care, Advanced Medical Care, and common hospitalization cost gaps
• Better questions to ask hospitals, pharmacies, public insurers, private insurers, and employer-plan administrators before paying for healthcare

• Public Health Insurance, Co-payments & MyNa Health Insurance CardEmployees learn Japan's public health-insurance structure, patient cost sharing, and the current MyNa / eligibility-document system without turning the session into payroll education.
• High-Cost Medical Expense Benefit & the 2026 Annual CeilingEmployees learn the statutory protection against very high insured medical costs, including the major August-2026 reform.
• Hospital Costs, Special Rooms & Advanced / Selected Medical CareEmployees learn the hospital costs that can remain outside ordinary public insurance and statutory high-cost protection.
• Prescriptions, Generic Medicines & Recurring Medicine CostsEmployees learn how insured prescriptions, generic alternatives, current brand-name medicine rules, and recurring pharmacy costs affect personal spending.

• Private Medical, Cancer & Advanced Medical CoverEmployees learn how voluntary private medical protection supplements Japan's public system without recommending an insurance product.
• Mental Health, Chronic Conditions & Recurring Outpatient CostsEmployees map recurring healthcare costs across public insurance, public cost support, employer services, private cover, and personal spending.
• Pregnancy, Childbirth & Family Healthcare CostsEmployees learn how public health insurance, childbirth support, insured medical treatment, family healthcare, and personal costs can change when a family grows.
• Dental, Vision & Other Self-Pay Healthcare CostsEmployees learn where ordinary public insurance applies and where dental, vision, cosmetic, or other healthcare choices can become self-pay.

• Long-Term Care, Home Care & Ageing Healthcare CostsEmployees learn how medical insurance and Long-Term Care Insurance interact financially when supporting ageing or care-dependent family members.
• Healthcare Cost Review, Claims & Life EventsEmployees build a repeatable healthcare-financial review around insurer changes, family changes, high-cost treatment, private policies, long-term care, and recurring costs.
• Employer Health Insurance Society Additional Benefits & System CoordinationConnect the employee population's actual health insurer and employer healthcare benefits with statutory public insurance, private insurance, and personal healthcare costs.
• International Employees: Public Insurance, MyNa & Overseas Healthcare CostsHelp recent arrivals and internationally mobile employees understand Japanese public health-insurance administration, MyNa, and the limits of overseas medical reimbursement.