Study Reveals Over 40% of Women Prefer Female-Specific Medical Insurance in Japan

Recent Trends in Women's Medical Insurance in Japan

A new survey conducted by Monicle Financial, the parent company of the popular insurance comparison and quote service, Hokunno Kosupa, has unveiled groundbreaking insights into the trends surrounding women's medical insurance in Japan. The study's title, "Over 40% of Women Prefer Female-Specific Medical Insurance! Insights from Medical Insurance Enrollment Data," highlights the significant inclination among women towards policies that include female-specific provisions.

Background of the Research

Japan has consistently shown a high medical insurance enrollment rate, around 70%. Women, in particular, exhibit a higher enrollment rate than men, as noted in the 2022 Life Insurance Cultural Center’s survey on life security. The objective of this study was to analyze the average premiums paid by women, the most common payment periods, and the additional features within their medical insurance policies.

Methodology of the Survey

- Survey Name: Questionnaire on Insurance Enrollment
- Conducted By: In-house research by Monicle Financial
- Participants: A random selection of 100 contracts from women insured via the company’s EC site
- Survey Period: From May 1, 2024, to May 31, 2025
- Method: Simple aggregation of responses

Key Findings

The survey yielded several noteworthy findings that provide insights into the preferences and choices of women when it comes to medical insurance:

1. Average Premium: Nearly 58% of the women reported an average premium of 2,999 yen or less per month, demonstrating the market's demand for affordable premiums without compromising on quality.

2. Daily Hospitalization Compensation: Around 84% of the surveyed women indicated that their average daily hospitalization compensation is 5,000 yen or less, suggesting a prevalent trend towards economical coverage conducive to basic healthcare needs.

3. Average Age of Enrollers: The average age of women enrolling in medical insurance via Hokunno Kosupa was found to be 41 years, which is indicative of a demographic that values health security as they age.

4. Payment Period Preferences: A remarkable 92% of contracts chose a lifetime payment period, while approximately 4% preferred payment terms concluding at ages 60 and 65. This suggests a preference for lifelong security among female enrollers.

5. Female-Specific Provisions: Perhaps the most striking finding was that over 40% of women opted for female-specific provisions in their insurance policies, indicating a conscious effort to tailor their coverage according to their specific health needs.

The results of this survey not only expose the distinct preferences of women in insurance choices but also reflect the burgeoning market for women-focused insurance products. With the data revealing such strong inclinations toward female benefits, there is a clear opportunity for insurance companies to further develop tailored products that cater to women's unique health requirements.

What is Hokunno Kosupa?

Hokunno Kosupa is an online platform offering free support for comparing, quoting, and applying for insurance. The company aims to empower customers to assess their individual risks and select the most suitable insurance products to prepare adequately for their future.

Latest Promotions

In light of these findings, Hokunno Kosupa is currently running a campaign for the first 500 users who register through LINE and complete their insurance needs assessment. These individuals will receive a digital gift voucher for Tully’s worth 100 yen, making it a perfect opportunity to evaluate personal insurance needs while enjoying a little treat.