Prepare for the unexpected need for hospitalization
Familiar supports children and their families with "actual cost compensation" medical insurance that can be purchased from the age of 0.

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Medical insurance available for 1,340 yen per month*.
With the desire to "provide an environment where children can be raised with peace of mind," we have started offering medical insurance that can be enrolled from the age of 0. In addition to addressing concerns about your child's unexpected illness or injury, we also help reduce the burden on your family and support your precious children and their families.
If you have any questions, please feel free to contact us by phone or LINE.
Customer Service Center [TEL] 0120-078-345 (toll-free)

*In the case of a 0-year-old boy with a set of hospitalization treatment expense insurance (Type 3), hospitalization expense insurance (up to 1 million yen), and advanced medical care expense insurance. Premiums vary depending on age, gender, and plan details.

For details on consultations and seminars, click here

For inquiries via LINE, click here

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Compensation details

Additional bed charges
Covers the cost of using a private room to ensure privacy .<br>Provides peace of mind when children are hospitalized, as they often require an attendant.
Any difference in bed charges, such as private room fees, which are to be paid in full by the patient, will be reimbursed at actual cost up to a maximum of 30,000 yen x number of days of hospitalization.
It's especially nice to be able to choose a private room where your baby can spend time without worrying, especially during the infant and toddler years when they tend to cry and fuss at night.
*When hospitalization expenses insurance is included

Expenses for hiring a babysitter or home helper
We provide support at home while your child is hospitalized, reducing the burden on your family.Hospital life means less time available for housework and childcare.
We will reimburse the actual cost of hiring convenient babysitters, pet sitters, cleaning service providers, etc., up to a maximum of 15,000 yen x number of days hired or provided.
We also cover the costs of hiring caregivers and providing welfare services for people with disabilities.
*When hospitalization expenses insurance is included

Self-payment amount for insurance-covered medical treatment
Your out-of-pocket medical expenses covered by public health insurance for hospitalization will be "0 (zero)". <br>We will pay the 30% out-of-pocket medical expenses covered by public health insurance for hospitalization, regardless of whether you receive benefits from the High-Cost Medical Care System or the Child Medical Expense Subsidy System (up to 1.2 million yen per hospitalization).
*When hospitalization treatment expense insurance (Type 3) is included

Transportation expenses
We will compensate for specified transportation expenses. <br>We will compensate for the actual transportation expenses incurred when admitted to, discharged from, or transferred to another hospital.
We cover not only public transportation and taxi fares, but also Shinkansen and airplane fares, so you can rest assured even if the hospital where you can receive good treatment is far away.We also pay transportation costs for accompanying small children.
*When hospitalization expenses insurance is included

Payment example

Hospitalization costs
Insurance benefits comparison

Costs for a 10-day hospital stay for a girl with Kawasaki disease

The total amount paid by the patient at the medical institution was 178,770 yen.

In the example below, the medical expenses covered by the public health insurance system were 518,880 yen, but thanks to the child medical expense subsidy, there was no out-of-pocket expense. ( Medical expenses ① )
The total self-paid amount, including the standard dietary treatment fee ( meal fee ② ) and non-insured expenses such as additional bed charges ( non-insured total ③ ), came to 178,770 yen.

*The details of the child medical expenses subsidy system vary depending on the local government. Please check the website of the local government where you live.
*The unit price of one medical fee point is 10 yen. *The difference in room charge (additional bed charge) is 15,000 yen per day x 10 days: 165,000 yen (tax included)
*The example is calculated assuming hospitalization that does not span multiple months.

Self-payment for hospitalization

Insurance	Not covered by insurance
Hospitalization fee etc. 22,500 points Medication 14 points Diagnosis Procedure Combination (DPC) 29,374 points Total medical fee points: 51,888 points Total medical expenses: 518,880 yen Share of medical expenses (20%) 103,780 yen Medical expenses ① 0 yen After applying the child medical expenses subsidy system Meal expenses②* 13,770 yen	Room charge difference: 150,000 yen Consumption tax: 15,000 yen Uninsured Total③ 165,000 yen (tax included)
Total self-payment amount ① + ② + ③ 178,770 yen

*Medical fee points and other information were researched by AIG General Insurance Co., Ltd. in 2017. *The medical fees listed above may differ from the actual costs incurred at medical institutions due to differences in symptoms and treatment contents among individuals.

The hospitalization treatment expense insurance plan recommended by Familia covers the self-paid amount for insured medical treatment and the standard co-payment amount for dietary treatment, regardless of whether you are covered by the Child Medical Expense Subsidy System or the High-Cost Medical Care System. Additionally, the hospitalization expense insurance covers the difference in bed charges, miscellaneous expenses, family attendant expenses, and transportation costs for admission and discharge from the hospital and for accompanying family members.
In this example, the insurance payout, including the cost of obtaining a medical certificate, will be 402,570 yen .

If you have signed up for a daily compensation plan , and the hospitalization medical insurance benefit (daily rate) is 10,000 yen, you will be paid 100,000 yen for a 10-day hospitalization.
In this example, the insurance payout, including the cost of obtaining a medical certificate, will be 105,500 yen .

The actual out-of-pocket cost paid at the medical institution's counter was 178,230 yen, so it can be seen that this would have been covered by medical insurance that covers actual expenses.
In addition, the difference in insurance payments between the actual cost compensation type and the daily compensation type is approximately 290,000 yen .

AIG General Insurance Comprehensive Medical Insurance Comparison	Actual cost compensation type (recommended by Familia)	Daily compensation type
Hospitalization medical insurance	-	Daily rate: 10,000 yen x 10 days: 100,000 yen
Surgery medical insurance benefits	none	none
Hospitalization treatment cost insurance (Type 3)	Medical fee points: 51,888 points x 3 yen: 155,660 yen Standard dietary care cost: 27 meals x 510 yen: 13,770 yen Subtotal 169,430 yen	-
Hospitalization expenses insurance	Bed charge: 15,000 yen x 10 days: 165,000 yen (tax included) Miscellaneous expenses: 1,100 yen x 10 days: 11,000 yen. Relative attendant expenses: 4,200 yen x 10 days: 42,000 yen. Transportation expenses for admission and discharge, and transportation expenses for accompanying relatives: 9,640 yen. Subtotal 227,640 yen	-
Medical certificate acquisition fee	5,500 yen	5,500 yen
Insurance payments	Total: 402,570 yen	Total: 105,500 yen

*There are various conditions regarding payment for accompanying relatives.

Click here for details of the plan

Customer testimonials

Because my child was still small and would cry at night, I felt uncomfortable being hospitalized in a shared room and was worried that the surrounding noises would wake my child, so I chose a private room.
Having medical insurance through familiar was a great help as I was able to choose a private room without worrying about money.
The cost of a private room was over 5,000 yen per day, so I was grateful that this cost was covered.

(Experiences of a mother of one child, age 0)

I incurred unexpected expenses when I accompanied my child to the hospital, but I was able to cover these expenses because I received an insurance payout that was more than the amount I paid to the hospital.

(Experiences of a mother of three 2-year-olds)

The compensation was generous, and taxi fares for accompanying family members and fees for accompanying relatives (4,200 yen per day) were also covered, so I was able to stay in the hospital with peace of mind.
It was helpful that the transportation costs included not only taxi fares but also gasoline costs if I used my own car.

(Experiences of a mother of one 3-year-old child)

Familia's recommended plan insurance premium guideline

	male	woman
0 years old	1,340 yen	1,430 yen
5 years old	1,330 yen	1,420 yen
10 years old	1,420 yen	1,480 yen
15 years old	1,600 yen	1,690 yen
20 years old	1,770 yen	2,020 yen

*When the following insurance benefits are combined: ・Hospitalization treatment cost insurance (Type 3): Up to 1.2 million yen ・Payment limit: 365 days (per hospitalization)
・Hospitalization expenses insurance: Up to 1 million yen ・Payment limit: 365 days (per hospitalization) Difference in bed charges is up to [30,000 yen x number of days of hospitalization] ・Advanced medical expenses insurance: Up to 20 million yen throughout the insurance period *Insurance period/premium payment period: 10 years *Premium payment method: Monthly payment

How to apply

Familia Shop (Kobe main store, Daikanyama store, Hiroo store)
Individual consultations with Familia staff will be held at our Kobe main store, Daikanyama store, and Hiroo store. Please make a reservation in advance before visiting.
Participate in an individual consultation session and receive an original ballpoint pen, and sign a contract and receive an original pouch.
Online consultation
You can easily consult with Familia staff from the comfort of your own home, anywhere in the country.
When you sign a contract, you will receive an original pouch as a gift.
Online application
You can apply using your smartphone or tablet at any time, 24 hours a day.
* Contract gifts are not included.

Apply at Familia Shop (Kobe Main Store, Daikanyama Store, Hiroo Store)

Individual consultations will be held by Familia staff at our Kobe main store, Daikanyama store, and Hiroo store. We will introduce you to our insurance plans and explain how medical expenses work.
Expectant mothers and fathers who are expecting a baby are also welcome to join us.
Customers who attend the individual consultation session will receive an original ballpoint pen as a gift!

◇ Depending on the participation fee, you can choose whether or not to receive a souvenir.
If you don't need a souvenir, you can participate for free.

If you pay the participation fee of 2,200 yen, you will receive a pair of THERMOS x familiar stainless steel tumblers (up to one per Familiar Members account).

*In order to allow as many people as possible to participate, we ask that each household limit participation to one time.
*If there are multiple reservations, we may contact you.

Make a reservation here

Apply for an online consultation

You can easily consult with Familia staff from the comfort of your own home, anywhere in the country.
This is recommended for those who live far away and find it difficult to attend individual consultation sessions, or for those who would like to consult casually first.

STEP 1 Reservation
Please apply by clicking the "Make a reservation here" button.
STEP2Receive email

You will receive an email with instructions on how to connect.
*We will send the confirmation email 3 days before the event. If you make a reservation between 3 days before the event and the day before, please check the email we will send you around 9:30 on the day of the event.
STEP 3 Reservation complete
When the scheduled time arrives, please access the URL in the email.

*The Zoom app is required. Please install it in advance.
*If you wish to apply for insurance, documents will be sent by mail.

Make a reservation here

Applying online

You can apply at any time using your smartphone or tablet.

STEP 1 Get a free quote
STEP 2: Health status notification
STEP 3 Apply now

After you apply, we will send you the contract documents by mail. Please fill in the necessary information and return them to us.

Apply here

inquiry

If you have any questions or concerns about your insurance, please feel free to contact our Customer Service Center.
*Depending on the content of your inquiry, we may invite you to a consultation session.

[Inquiries by phone]
0120-078-345 (toll-free)
Reception hours: 10:00-12:00 / 13:00-16:00 *Excluding weekends, holidays, New Year's holidays, Golden Week, and summer holidays

[Chat inquiries]
We will respond to you via chat with our operators. Please select "Customer Support" and contact us with any questions you may have.
Staffed hours: 9:00-17:00 *Excluding Sundays, holidays, New Year's holidays, Golden Week, and summer holidays
Chat service here>>>