¥500,000 per baby from your health insurance when you give birth
Childbirth and Childcare Lump-sum Allowance (Kyōkai Kenpo) / Japan Health Insurance Association (Kyōkai Kenpo)
Childbirth and Childcare Lump-sum Allowance (Kyōkai Kenpo)Kyōkai KenpoDependent family members are also covered
¥500,000 per baby from your health insurance when you give birth
Per baby¥500,000¥1,000,000 for twins, ¥1,500,000 for triplets
- With the direct payment system, you only pay the difference when you leave the hospital
- ¥488,000 per baby in cases such as institutions outside the Obstetric Compensation System
When a person in the Japan Health Insurance Association (Kyōkai Kenpo), such as a company employee, or their dependent family member gives birth, ¥500,000 is paid per child. Usually the "direct payment system" is used, and Kyōkai Kenpo pays the hospital directly, so when you leave the hospital you only pay the difference between the childbirth cost and ¥500,000. If the childbirth cost was less than ¥500,000, you can apply later and receive the difference. It is paid for each child born: ¥1,000,000 for twins and ¥1,500,000 for triplets.
SIMULATOR
How much in your case?
The amount depends on the type of birth and the number of weeks of pregnancy.
Type of birth
The amount increases with the number of babies
Weeks of pregnancy
Reduced if under 22 weeks
In your case, your health insurance pays
500,000 yen
as the Childbirth and Childcare Lump-sum Allowance.
─ Breakdown ─
Lump sum per baby
Facility enrolled in the Japan Obstetric Compensation System, 22 weeks or later
500,000 yen
Number of babies
Single baby
1
500,000 × 1 = 500,000 yen
The amount above is what the Japan Health Insurance Association (Kyōkai Kenpo) pays. Depending on your health insurance society, an "additional benefit" (fukakin) may be added. If you use the direct payment system, at discharge you pay at the counter only the part of the childbirth cost above ¥500,000. If the childbirth cost was less than ¥500,000, you apply to Kyōkai Kenpo for the difference.
Nationality and residence status
The official page (checked in October 2026) sets no condition on nationality or residence status that we found. Eligibility follows the official conditions, not the language of this page; many programs require resident registration in the municipality.
Notes
The amount is ¥500,000 when you give birth at 22 weeks of pregnancy or later at a medical institution that participates in the Japan Obstetric Compensation System for Cerebral Palsy. For other births it is ¥488,000 per baby.It covers births at 85 days (4 months) of pregnancy or later, including stillbirth, miscarriage and induced abortion.The application form for the difference is sent to you by Kyōkai Kenpo about 3 months after the birth.You can also choose not to use the direct payment system, pay the childbirth cost yourself by the time you leave the hospital, and claim it from Kyōkai Kenpo afterward.If your due date is within 2 months, some medical institutions let you use the proxy receipt system.There is a childbirth expense loan program that lets you borrow up to 80% of the allowance interest-free until the Childbirth and Childcare Lump-sum Allowance is paid.Even if you leave your company, you can receive it if you were continuously insured for 1 year or more before leaving (periods as a voluntarily continued insured person are not counted) and you give birth within 6 months after leaving.The application deadline is 2 years from the day after the birth.Under the amendment to the Health Insurance Act and related laws promulgated on June 5, 2026, it has been decided to switch to a system in which health insurance directly covers the standard cost of childbirth, plus a fixed cash payment to all pregnant women. It will take effect within 2 years of promulgation. For the time being after it takes effect, the current Childbirth and Childcare Lump-sum Allowance can be used if the medical institution chooses.