Tokyo ▸ Birth & postpartum ▸ Maternity Allowance (Kyōkai Kenpo)
● BIRTH & POSTPARTUM

During maternity leave before and after birth, health insurance pays 2/3 of your monthly pay

Maternity Allowance (Kyōkai Kenpo) / Japan Health Insurance Association (Kyōkai Kenpo)
Maternity Allowance (Kyōkai Kenpo)Kyōkai KenpoInsured person only
During maternity leave, health insurance pays 2/3 of your monthly pay for up to 98 days
Period paid (single baby)Up to 98 days
Before birth42 days
After birth56 days
  • Per day, average standard monthly remuneration ÷ 30 × 2/3
  • For multiples, 98 days before birth, up to 154 days
National Health Insurance does not have this programKosodate Tokyo

For a company employee in Kyōkai Kenpo who takes time off work for childbirth and receives no salary for that period, this program pays, per day, "average standard monthly remuneration ÷ 30 × 2/3."

The covered period is the days you actually took off work without pay within the range from 42 days before the birth date (98 days for a multiple pregnancy; if the birth is later than the due date, counted from the due date) to 56 days after the day following the birth. For a single baby the maximum is 98 days; for twins or more, the maximum is 154 days.

The formula is "the average of the standard monthly remuneration for each of the 12 months before the payment start date ÷ 30 × 2/3" × the number of days off. If you have been insured for less than 12 months, it is calculated using the lower of (a) the average standard monthly remuneration for each continuous month, and (b) the average standard monthly remuneration (¥320,000 from April 2025).

Only the Kyōkai Kenpo insured person is covered (dependent family members are not). Self-employed people (National Health Insurance members) do not have a Maternity Allowance program at all. Even after leaving your job, you may be eligible for continued payments if you meet certain requirements.

SIMULATOR

How much can you receive?

Estimates the total benefit from your monthly pay (standard monthly remuneration) and whether you are having one baby or multiple babies.

Number of babies For multiple births, the period before birth is extended to 98 days
Average standard monthly remuneration Average of each month in the 12 months before the payment start date
yen
Standard monthly remuneration is your monthly salary plus allowances, fitted into one of 50 grades (¥58,000 to ¥1,390,000). The upper limit is ¥1,390,000.
In your case, a total of
870,926 yen
is paid by your health insurance as the Maternity Allowance (if you receive no salary during your leave).
─ Breakdown ─
Average standard monthly remuneration (12 months before the payment start date) The value you entered
400,000 yen
Amount per day Monthly amount ÷ 30 × 2/3
8,887 yen
Days eligible for payment Single baby: 42 before birth + 56 after birth = 98 days
98 days
8,887 × 98 = 870,926 yen
The amount above is a guide for "when you give birth on the due date, are on leave for the whole period, and receive no salary." Even if you are paid salary for days off, the difference is paid if that daily amount is less than the daily Maternity Allowance. You cannot receive the Maternity Allowance and the Sickness and Injury Allowance at the same time. For details, ask the prefectural branch of the Japan Health Insurance Association (Kyōkai Kenpo) you belong to.

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

Covered period: days off without pay within the range of 42 days before the birth (98 days for multiples) to 56 days after the birth.Formula: average standard monthly remuneration for the 12 months before the payment start date ÷ 30 × 2/3 × number of days.If less than 12 months, calculated with the lower of (a) the average standard monthly remuneration for each continuous month, or (b) the average standard monthly remuneration(¥320,000 from April 2025).Covered: only the Kyōkai Kenpo insured person (dependent family members and self-employed people are not covered).Continued payment after leaving a job: possible if (1) you had 1 year or more of insured period by your last day of work (excluding voluntary continuation),and (2) you met the conditions for receiving the Maternity Allowance at the time you left.Where to apply: usually submitted through your employer to the Kyōkai Kenpo branch.

Official sources

Open the official page (Japanese)
← All programs in Tokyo