How do seniors aged 65 and older pay their nursing care premium?

For seniors receiving annual public pensions of 180,000 JPY or more, premiums are withheld automatically from bimonthly pension payments (Tokubetsu Choushuu).

Are subsidies provided for low-income households?

Yes. Low-income or resident-tax-exempt households (Tiers 1 to 3) receive national subsidies discounting their premiums to 28.5% to 68.5% of the standard base.

JapanUpdated for 2026Health

Japan Nursing Care Insurance Premium Calculator 2026 (Kaigo Hoken)

Calculate statutory monthly and annual Japanese Long-Term Care Insurance premiums for Category 1 insured seniors (65+) across municipal income tiers and Category 2 workers (40-64).

Health & Wellness Pensions & Superannuation Social Security & Pension

Calculated Result

Monthly Care Insurance Premium

¥6,225

Annual Total Premium

¥74,700

Calculator Inputs

Insured Classification & Income Tier

Monthly Wage (If Age 40-64)

Quick select:

Monthly Care Insurance Premium

¥6,225

Annual Total Premium

¥74,700

Bimonthly Pension Deduction

¥12,450

Statutory Tier Multiplier

1 x

Paid care insurance premiums are 100% tax-deductible as social insurance deductions.

Premium Schedule

Monthly Amount

¥6,225(33%)

Bimonthly Withholding

¥12,450(67%)

Calculated under Long-Term Care Insurance Act Art. 129 national guidelines (average base ~6,225 JPY/month). Municipal ordinances determine exact tier multipliers.

This calculator is a mathematical model for fitness and nutrition estimation for general awareness only. Estimated results do not constitute medical diagnosis or a substitute for professional healthcare. Always consult a physician or certified nutritionist before starting any new diet or training regimen.

Official Statute: 介護保険法第129条 (第1号被保険者の保険料率・市町村条例による所得段階別基準額及び第9期介護保険事業計画改定基準)Last Verified: 2026-09-03

Calculation Methodology

Age 65+ Monthly Premium = Municipal Base Amount (~6,225 JPY) × Income Tier Multiplier (0.285x to 2.40x).

Frequently Asked Questions

Coverage starts automatically in the month of your 40th birthday (Category 2 insured), deducted alongside regular health insurance premiums.

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Japan

Japan Nursing Care Insurance Premium Calculator 2026 (Kaigo Hoken)

Calculator Inputs

Premium Schedule

Calculation Methodology

Frequently Asked Questions

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