Japan long-term care insurance: premiums and co-payment rules

In Japan, long-term care insurance premiums are deducted from salaries starting from the month a person turns 40, collected alongside medical insurance. While the standard co-payment for services is 10%, individuals aged 65 and older may face co-payments of 20% or 30% depending on their income levels.

For those between the ages of 40 and 64, benefits are restricted to services required due to specific age-related diseases. The national average monthly premium is 6,225 yen, though this amount can vary by up to 2.7 times depending on the specific municipality.