Karuizawa Town: child medical expense subsidy
In Karuizawa Town, Nagano Prefecture, the child medical expense subsidy covers both outpatient and inpatient care through the end of the fiscal year in which the child turns 18 (end of high-school age). Income limit: none. Co-payment: yes. (As of April 1, 2025, Children and Families Agency survey.)
In Nagano Prefecture, 77 of 77 municipalities cover outpatient care through age 18, and Karuizawa Town is one of them.
Karuizawa Town does not meet no co-payment of the three conditions (coverage through age 18, no income limit, no co-payment). In Nagano Prefecture, 42 of 77 municipalities meet all three.
Municipalities call this program by different names (小児医療費助成, こども医療費助成, 乳幼児医療費助成, 子育て支援医療). This site uses the national survey's term, "child medical expense subsidy".
- Covered until (Outpatient)
- Age 18(April 1, 2025)
- Covered until (Inpatient)
- Age 18(April 1, 2025)
- Income limit
- No(April 1, 2025)
- Co-payment
- Yes(April 1, 2025)
- Coverage through age 18
- Yes(April 1, 2025)
- Population
- 21,752(Resident register, 2024)
- Share under 15
- 11.1%(2020 census)
For applications, refunds and visits outside the prefecture, check the official website of Karuizawa Town.
Child medical expense subsidy
| Item | Outpatient | Inpatient |
|---|---|---|
| Covered until | Age 18 through the end of the fiscal year in which the child turns 18 (end of high-school age) | Age 18 through the end of the fiscal year in which the child turns 18 (end of high-school age) |
| Income limit | No | No |
| Co-payment | Yes | Yes |
No change since April 1, 2024
Source: Children and Families Agency, Survey on Municipal Child Medical Expense Subsidies (municipal form, attachment 3) (As of April 1, 2025). Last checked September 24, 2026
The national survey records conditions as of April 1 and is published in December. Some municipalities have expanded coverage since then. Confirm the current conditions on the municipality's official website.
Frequently asked questions
Until what age does Karuizawa Town subsidize child medical expenses?
Both outpatient and inpatient care are covered through the end of the fiscal year in which the child turns 18 (end of high-school age) (as of April 1, 2025).
A co-payment is charged at the counter.
Are high school students covered in Karuizawa Town?
Yes. Both outpatient and inpatient care are covered through the end of the fiscal year in which the child turns 18 (the end of the third year of high school).
Does Karuizawa Town apply an income limit?
No (as of April 1, 2025).
Do the conditions differ between outpatient and inpatient care in Karuizawa Town?
No. Both are covered through the end of the fiscal year in which the child turns 18 (end of high-school age); income limit: no; co-payment: yes.
Has Karuizawa Town changed its conditions since last year?
No. The national surveys as of April 1, 2024 and April 1, 2025 record the same conditions.
How does Karuizawa Town compare with other municipalities in Nagano Prefecture?
In Nagano Prefecture, 77 of 77 municipalities cover outpatient care through age 18, and Karuizawa Town is one of them.
Karuizawa Town does not meet no co-payment of the three conditions (coverage through age 18, no income limit, no co-payment). In Nagano Prefecture, 42 of 77 municipalities meet all three.
If I move out of Karuizawa Town, do the same conditions apply?
No. The subsidy is run by the municipality you live in, so the new municipality's conditions apply. Check its page on this site, and confirm the procedure on that municipality's official website.
Municipalities of similar size in Nagano Prefecture: Komagane City, Tomi City, Omachi City, Minowa Town, Iiyama City, Shimosuwa Town, Tatsuno Town, Miyota Town
Nursery and after-school club waiting lists in Karuizawa Town
Karuizawa Town had 0 children on the nursery waiting list as of April 1, 2026 (439 applicants, 439 enrolled; 0 waiting a year earlier). Karuizawa Town does not run after-school clubs (as of May 1, 2026, preliminary).
| Item | Value | As of |
|---|---|---|
| Nursery waiting list | 0 | Apr 1, 2026 |
| Waiting list a year earlier (April 1, 2025) | 0 | Apr 1, 2025 |
| Nursery applicants | 439 | Apr 1, 2026 |
| Children enrolled in nurseries | 439 | Apr 1, 2026 |
| After-school club waiting list | — | May 1, 2026 (prelim.) |
| After-school club registrations | — | May 1, 2026 (prelim.) |
"Waiting" follows the national definition: applicants not enrolled, excluding those on parental leave, those who want only a specific facility, and those who have paused their job search. Zero does not guarantee a place at a preferred facility. After-school club figures are preliminary and may be revised.
Source: Children and Families Agency, Summary of Nursery Care Status (April 1, 2026) / Children and Families Agency, Status of After-School Clubs (May 1, 2026, preliminary)
Parks, libraries, community centers and nursery schools in Karuizawa Town
Karuizawa Town has 15 urban parks (130.1 ha), or 59.1 m² per resident (Rank 3 of 77 in the prefecture). It has 2 libraries, 25 community centers, 6 nursery schools and 3 elementary schools.
Urban parks: MLIT inventory as of March 31, 2025. Libraries and community centers: e-Stat, 2021. Nursery and elementary schools: e-Stat.
| Item | Value | Rank in prefecture | As of |
|---|---|---|---|
| Urban parks | 15 | Rank 16 of 77 in the prefecture | Mar 31, 2025 |
| Urban park area | 130.1 ha | — | Mar 31, 2025 |
| Urban park area per residentDivided by the population of the city-planning area (MLIT's calculation) | 59.1 m² | Rank 3 of 77 in the prefecture | Mar 31, 2025 |
| Libraries | 2 | Rank 31 of 77 in the prefecture | 2021 |
| Community centers | 25 | — | 2021 |
| Nursery schools | 6 | Rank 31 of 77 in the prefecture | 2023 |
| Kindergartens | 3 | — | 2024 |
| Elementary schools | 3 | — | 2024 |
Source: MLIT, Inventory of Urban Parks (end of FY2024, as of March 31, 2025) / e-Stat, Statistical Observations of Municipalities 2026 (Statistics Bureau of Japan)
Population, share of children, net migration and doctors in Karuizawa Town
- PopulationResident register, 2024
- 21,752Rank 20 of 77 in the prefecture2024
- Share under 15
- 11.1%Rank 40 of 77 in the prefecture2020 census
- Share 65 and over
- 32.0%2020 census
- Share of foreign residents
- 2.1%2020 census
- Net migration (move-ins minus move-outs)2024. A positive number means more people moved in than moved out
- +188Rank 6 of 77 in the prefecture2024
- Births per 1,000 residents
- 4.5Rank 39 of 77 in the prefecture2023
- Nursery schools
- 62023
- Nursery schools per 1,000 children under 15
- 2.81Rank 31 of 77 in the prefecture2023
- Kindergartens
- 32024
- Elementary schools
- 32024
- Doctors per 10,000 residents
- 15.6Rank 24 of 77 in the prefecture2022
- Clinics per 10,000 residents
- 9.72023
- General hospitals
- 12023
- Owner-occupied homes
- 82.4%2023
- Floor area per dwelling
- 127.0 m²2023
- Fiscal strength indexAbove 1 means local tax revenue covers standard spending
- 1.50Rank 1 of 77 in the prefecture2022
- Restaurants
- 2642021
Source: e-Stat, Statistical Observations of Municipalities 2026 (Statistics Bureau of Japan)
"—" means e-Stat has no value for this item (the Housing and Land Survey does not cover towns and villages).
Compare with similar-sized municipalities in Nagano Prefecture
| Municipality | Population | Outpatient until | Income limit | Co-payment (outpatient / inpatient) | Nursery waiting list |
|---|---|---|---|---|---|
| Karuizawa Town | 21,752 | Age 18 | No | Yes / Yes | 0 |
| Komagane City | 31,325 | Age 18 | No | No / No | 0 |
| Tomi City | 28,958 | Age 18 | No | Yes / Yes | 0 |
| Omachi City | 25,301 | Age 18 | No | Yes / Yes | 0 |
| Minowa Town | 24,387 | Age 18 | No | No / No | 0 |
| Iiyama City | 18,812 | Age 18 | No | No / No | 0 |
| Shimosuwa Town | 18,470 | Age 18 | No | Yes / Yes | 4 |
| Tatsuno Town | 18,009 | Age 18 | No | No / No | 0 |
| Miyota Town | 16,770 | Age 18 | No | Yes / Yes | 0 |
Outpatient age limit, income limit and co-payment are the national survey values as of April 1, 2025.
Page updated: . You may quote this table. Please credit Machishirabe and the original survey.