[Hoken no Cospa Independent Survey] Medical Insurance Monthly Premiums Show Polarization Trend Towards '2,000-4,000 Yen' and 'Over 10,000 Yen'

Monicle Financial Inc. (Headquarters: Chiyoda-ku, Tokyo, Representative Director and CEO: Shinji Harada) conducted a "Questionnaire on Medical Insurance Subscriptions" targeting 500 men and women who have medical insurance. This was conducted as a research project for "Hoken no Cospa" (https://hokencospa.jp/), an insurance comparison and estimation service operated by the company, utilizing an external research firm.

The survey results revealed a polarizing trend in the monthly premiums of current medical insurance policies, divided into a "cost-reduction group at 2,000 to 4,000 yen per month" and a "generous coverage group at 10,000 yen or more per month." Furthermore, it became clear that about half of the subscribers (47.8%) have not reviewed their medical insurance for more than 10 years and do not fully grasp the details of their own coverage.

[Survey Overview]
Survey Name: Questionnaire on Medical Insurance Subscriptions
Surveying Entity: Monicle Financial Inc.
Target Audience: 500 men and women aged 20 to 70s and older who are currently subscribed to medical insurance
Survey Period: February 20, 2026 to February 23, 2026
Survey Method: Research utilizing Cross Marketing QiQUMO

■ Survey Results Summary
1. The monthly premiums of current medical insurance policies show a clear polarizing trend between "10,000 yen to less than 15,000 yen (15.0%)," "2,000 yen to less than 3,000 yen (13.8%)," and "3,000 yen to less than 4,000 yen (13.2%)."
2. There is a difference in premiums depending on the channel through which medical insurance was purchased. While about 70% of those who purchased through sales representatives pay premiums of 4,000 yen or more, more than 60% of those who purchased via the internet pay less than 4,000 yen.
3. For the daily hospitalization allowance, 43.2% chose "5,000 yen." This is followed by "10,000 yen" at 16.6%, indicating that many subscribers base their coverage on a daily rate of 5,000 yen.
4. Regarding the time of medical insurance subscription, about half (47.8%) answered more than 10 years ago. Combined with "5 to less than 10 years (15.4%)," more than 60% have not reviewed their insurance for more than 5 years.

■ Survey Results Details
Medical insurance premiums are polarized into less than 4,000 yen per month and 10,000 yen or more.
When investigating the monthly premiums of current medical insurance policies, the results showed peaks divided into "2,000 yen to less than 4,000 yen" and "10,000 yen to less than 15,000 yen."

Additionally, by gender, the volume zone for men was "10,000 yen to less than 15,000 yen (19.2%)," and for women, "2,000 yen to less than 3,000 yen (15.2%)." It may be that men tend to seek generous medical coverage to prepare for potential long-term medical care or reduced income, while women consider overall balance and tend to keep premiums low by pinpointing necessary coverage.