20220309_10398716_04_1353_W210*H297 1C

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To Fully E
in JapanYour LifeTo all students of schools participating in Ryuhosyo

For coverage starting on March 1st, 2022

Comprehensive Renter’s Insurance forinternational students “Ryuhosyo”
System to protect you against liability for accident and to mitigate the economic burden on joint sureties (*) for rental contract

In Japan, you need a joint surety to rent an apartment. Ryuhosyo is a system for international students where aschool staff acts as the joint surety.
(*) Joint surety…If an international student (lessee) does not pay the rent, the joint surety pays the rent to thelessor on behalf of the lessee. If the joint surety paid, the international student (lessee) must reimburse thejoint surety.

1. Coverage
This system is comprised of Overseas Travel Insurance (① Personal Liability Insurance for International
Students and ② Insurance for a Disability Resulting from an Accident) and the Guarantors’ Protection
Fund (③ Guarantor Protection). For detailed information on coverage, please check “Summary of
Coverage” (page 5).
① Personal Liability Insurance for International Students

I collided with a pedestrianand caused them injury

Accidentally
I set my apartment on fire…

② Insurance for a Disability Resulting from an Accident

I crashed into a tree while skiing,and caused a lasting injury…

③ Guarantor Protection

If an international student causes injury to anotherperson or damage to another person’s property due to“an accident in daily life” or “an accident while using
an accommodation or residential facilities for studying
abroad” and is held liable to pay indemnity, thisinsurance will pay the insurance claim.
(Note) For damage caused to rooms, the coverage
will be limited to cases where the damage is due tofire, explosion, rupture and/or water leakage.

If an international students injury from “a traffic
accident or any other accident while playing sports”
and develop a disability within 180 days since theaccident including the date of the accident, thisinsurance will pay the insurance claim according to thegrade of the disability.
(Note) This does not apply to regular injuries withno lasting disabilities.

If a lessor claims for guarantee liabilities to a guarantor because the student does
not pay the rent or any other expenses and if the guarantor makes the payment, thisfund will pay indemnity to the guarantor.
(Note) Applicable only in cases where the rental agreement is cancelled andthe accommodation is handed over within the period of indemnity.

* Overseas Travel Insurance is an insurance where a comprehensive contract is concluded between (PIIF) Japan
Educational Exchanges and Services, and Tokio Marine & Nichido Fire Insurance Co., Ltd.
* Guarantors’ Protection Fund is managed by (PIIF) Japan Educational Exchanges and Services.
1

20220309_10398716_04_1353_W210*H297 1C

2. Parties Entitled to Indemnity○ Overseas Travel Insurance (Personal Liability Insurance for International Students and Insurance for a Disability
Resulting from an Accident): International students
Those who are enrolled in or confirmed to enroll into a university, junior college, technical college, special course at aprofessional training college (vocational school) or Japanese language institution (approved by the Minister of Justice inJapan) in Japan that participate in Ryuhosyo, and, in principle, those who have the residency status of “Student”.
○ Guarantors’ Compensation Fund (Guarantor Protection): Guarantors acting as joint sureties for rental contracts
Agencies or individuals that act as a joint surety when an international student moves into a private apartment① Schools such as universities and Japanese language institutions,and their faculty members (director of International
Student Center, manager of international student department, etc.)② International exchange associations, centers, etc. in the school area.

3. Period of Indemnity
The period of indemnity is either one or two years depending on the international student’s duration of stay.
However, if a student is already enrolled into Ryuhosyo and completes the enrolling procedures by the end of the original
coverage period, the period of indemnity can be extend by six months.

Indemnity End Date (Termination Date) (Note 3)

Indemnity Start Date (Inception Date)
・The day after the datecompleting enrollment<New
procedures (Note 1)
Enrollment>
・The day the rental
contract begins

Starts at 0AM of the lateroday of the two

Until 12PM of the day before the datecorresponding to the inception date

<Extended From 0AM of the day after the termination of theEnrollment> original period of indemnity (Note 2)(Note 1)The day after the date when the international student makes the wire transfer of the premium (insurance fees etc.) to the (PIIF)
Japan Educational Exchanges and Services and when the school issues the student’s enrollment record.
(Note 2)This is limited to cases where an international student is already enrolled in Ryuhosyo and has completed the enrollment processes
for extension before the termination of the previous period of indemnity.
(Note 3)
In principle, the insurance ends when the “student” status of residence period ends, if the international student is no longer enrolled
in the school due to graduation or dropping out, or if the guarantor’s protection is no longer necessary. In this case, please complete
contract cancellation procedures.
<Example>

Period of Indemnity

Indemnity Start Date

Indemnity End Date

1 yearMarch 1st, 2022, 0AM

February 28th, 2023, 12PM

2 years

March 1st, 2022, 0AM

February 29th, 2024, 12PM

6 months

March 1st, 2022, 0AM

August 31st, 2022, 12PM

* Please choose the period of indemnity in accordance with the remaining time of your visa. By re-enrolling, thecoverage can be extended for one or two years.

・If the remaining time on your visa is one year or less....... Enroll for 1 year

・If the remaining time on your visa is more than a year..... ① Enroll for 1 year and renew for 6 months
Or② Enroll for 2 years220220309_10398716_04_1353_W210*H297 1C

4. Premiums and Other Expenses
Period of Indemnity

1 year

2 years

6 months (extension) (Note 5)

Premiums and Other Expenses (Note 4)

4,000 yen

8,000 yen

2,000 yen

(Note 4)
Premiums and other expenses are the total sum of the premium for Overseas Travel Insurance (Personal Liability for International
Students and Disability Resulting from an Accident) and the enrollment fees for the Guarantors’ Protection Fund.
(Note 5)
Only existing enrollees can choose this option.

5. Insured amount / Indemnity
Coverage

Covered Person① Liability Insurance for International Students② Insurance for a Disability Resulting from an Accident

Insured amount / Indemnity (Limit)
Up to 50 million yen per accident (Note 6)

International student③ Guarantor Protection

Up to 2.4 million yen (Note 7)
Up to 300,000 yen (Note 8)

Guarantor(Note 6)
Limit of the payment per accident. The deductible (amount to be paid by the insured) is 0 yen.
(Note 7)
Limit of the payment through the period of indemnity. There is no limit for the number of accidents.
(Note 8)For those students whose lease begins on or after April 1st, 2022, and for those whose compensation period after continued
enrollment begins on or after April 1st, 2022, the total amount of ① unpaid rent up to 3 months, and ② restoration costs up to
100,000 yen, will be compensated in the range not exceeding 300,000 yen.

6. Application
The application procedure for this system generally follows the course below.

GOAL!
* Notify your school if
you move or change
guarantors.

START !

Decide on theaccommodation

Move inSchoolRentalcontract

Consultation with thejoint surety regarding theinsurance enrollment

Copy
SchoolInternational student

Payment slip

3 Submit copy of the Rental Contract

Enrollment record

Copy the rental contract and submit it toyour school.

Payment slip

International student
Enrollment record

2 Contract
Receive the enrollment record fromyour school and conclude the contract
after presenting the record to the lessor
or the real estate agency.
Please request the guarantor (school,etc.) to fill in their name and put theirseal on the contract.

International student

Rentalcontract
Lessor / Real estateagency1 Payment of Insurance Premium
Receive the payment slip from yourschool and make the payment as
instructed. (Bank transfer, convenience
store payment, etc.)320220309_10398716_04_1353_W210*H297 1C③ This insurance is not available for those who have no plans to returnto their country or those who are permanent residents of Japan.
For this reason, please note that you may be requested to make astatement about your residence status when signing an insurance
contract or requesting an insurance claim.
④ In the event of the insolvency of the insurance company: If
the insurance company becomes insolvent, the payment of claims,
repayment, etc. may be suspended for a certain time of period, or theamounts may be reduced. In such an event, the insurance will comeunder “Non-life Insurance Policy-holders Protection Corporation ofJapan” and the insured will be compensated, in principle, up to 80% of
the claims and repayment (100% for claims related to covered accidents
that occured no later than three months following the suspension of thepayment by the insolvent insurance company).
⑤ Verification of the content of contract and of accident reports: Inorder to prevent the occurrence of accidents with fraudulent contracts
regarding accident insurance and to ensure the appropriate quick andsecure payment of claims, the insurance companies make it a rule toverify the information registered in the General Insurance Association ofJapan, when a contract is signed or when an accident occurs, regarding
the insured, the insurance contract conditions relating to the accident, andthe circumstances where the claim is requested. The obtained information
will not be used for any other purposes. If you have any questions, pleaserefer to the insurance company.

7. Matters that Require Attention when Enrolling① Please check the requirements for application before enrollment(Duty of Disclosure).
When enrolling, please check carefully that there are no mistakes on theentries for the application procedures. If any of the information is untrue
or unfair, the insurance contract may be cancelled and you may not beable to receive any compensation.
Furthermore, in the following cases we may not be able to pay any
compensation. For any questions, please contact (PIIF) Japan
Educational Exchanges and Services or the insurance company.
・If you engage in mountain climbing using an ice axes or othermountaineering tools, luging, bobsledding, skeleton sledding, skydiving,hang gliding, boarding ultralight aviation (motor hang gliders, micro-lightaircrafts, ultra-light aircrafts etc., excluding parachute ultra-light aviationsuch as paraplanes), riding a gyro plane, or participating in any otherdangerous sports activities similar to these during the period of indemnity.
・If you pilot an aircraft during the period of indemnity (except if piloting
an airplane is performed as part of your job)・If you participate in competitions, test drives, and/or free drives on
sports grounds in a passenger vehicle such as automobiles during theperiod of indemnity
・If you engage in dangerous work during the period of indemnity (forexample, professional boxing, professional wrestling, etc.)② Please note the following.
・When applying for the insurance, you may be requested to present yourpassport.
・The request to extend the insurance period may not be accepted if thereason for the request is the extension of your stay in Japan

8. When in an Accident

Guarantor

Japan Educational
Exchanges and Services

Guarantor
Protection

International student
residence system

International
student

SchoolOverseas Travel
Insurance<Web>
Tokyo Marine & Nichido
Fire Insurance Co., Ltd.
International Travel
Insurance Damage
Claims Service Division(Contact information)
0120-881-503

Notify the insurance company of thedate, time, location and other detailsof the accident through (PIIF) Japan
Educational Exchanges and Services
The guarantor notifies (PIIF)
Japan Educational Exchanges
and Services after completing
his/her guarantee liability

In Case of an Accident① Notify of the accident: If an accident occurs, please notify your school of the date and time, location and the circumstances of the accident, and thename of the injured. The school should contact (PIIF) Japan Educational Exchanges and Services within 30 days since the day of the accident.
② In case of a liability accident: There is no “out-of-court settlement service” where the insurance company and the injured person can settle out of court.
Accordingly, please note that if an accident occurs and there is liability for compensation, based on the advise of the insurance company’s supervising
department, the insured (the one covered by the insurance) him or herself must enter into out of court settlement negotiations with the victim. Please note that
if an amicable settlement is concluded without the approval of the insurance company, the full or partial amount of the settlement money may not be payable.
(Request)
In order for students to not feel burdened by having to communicate in Japanese, we request that schools become contact points for (PIIF) Japan
Educational Exchanges and Services and insurance companies.

9. Notes for After Enrolling

10. Others① Duty of Notice: (The obligation to notify the insurance company if there
are any changes in the contents of the contract after enrollment): Afterenrolling, if the following things occur in the contract contents, you must
notify your school, (PIIF) Japan Educational Exchanges and Services,or the insurance company. Please note that if there is no notice, theinsurance money may be reduced.
・If you become engaged in dangerous work during the period ofindemnity (For example: professional boxing, professional wrestling,etc.)② If you wish to cancel the contract because you leave school or Japan,
please notify your school or (PIIF) Japan Educational Exchanges andServices. The insurance fees for the rest of the period may be refundable.

This pamphlet introduces information about Overseas Travel Insurance
and the Guarantors’ Protection Fund. Upon enrolling in Overseas Travel
Insurance, please read the “Disclosure Statement”. If you have any
questions, please contact the policy holder or the insurance companies
listed on page 8.
Overseas Travel Insurance is a comprehensive agreement regarding
overseas travel with (PIIF) Japan Educational Exchanges and Services as
the insurance contractor, and the insured are those international students
who study in one of the schools cooperating with (PIIF) Japan Educational
Exchanges and Services and who are enrolled in the Guarantors’ Protection
Fund. (PIIF) Japan Educational Exchanges and Services holds the rights torequest insurance policies and to cancel insurance contracts, among others.

<Examples of accidents where Overseas Travel Insurance claims were paid> (payment amount)

・The water supply hose of a washing machine got dislocated and ・A cyclist collided with a car and caused damage to the car body
water leaked, causing water damage to neighboring rooms (6.77(216,000 yen)million yen)・Water heater got ruptured due to freezing (70,000 yen)・While cooking in the kitchen, the pot oil caught fire and burnt the ・Loss of eyesight due to a traffic accident (1.56 million yen)*ceiling and other areas (1.05 million yen)
* Claim for Disability Resulting from an Accident. All other cases
were covered by the Personal Liability Insurance for International
・Gas exploded and the bathroom boiler got ruptured (126,000 yen)Students.
・A cyclist collided with a person and caused injury to the same (6.01
million)4

20220309_10398716_04_1353_W210*H297 1C■ Overseas Travel Insurance (Summary of Coverage)
Insurance Type

Liability
Insurance forInternational
Students

Indemnity fora Disability
Resulting froman Accident

Cases Where Claims Are Payable

AMounts of Claims Payable

Cases Where Claims Are Not Payable

If the insured (the person covered by the insurance= the international student) caused an accident
in daily life or an accident originating from thepossession, use or management of a residence(*1) during his/her period of indemnity and is legallyheld liable for injuring another person or causing
damages to another person’s property (*2) due tothis accident.

Amounts of compensation for damages.
For each accident, the limit is theamount of the Liability Insurance forInternational Students (refer to page 3).

For example:① Wars and other disturbances (*4)
② Radiation exposure or radioactive pollution③ With the intention of the insurance contractor
or the insured (person covered by the
insurance)④ Liability related to job performance or parttime work duties (liability due to work)⑤ Liability attributable to the possession, use
and/or management of aircraft, boats (*5),
vehicles, (*6) and small guns.
⑥ Liability related to consigned goods (Objects
included in (*2) will be covered for indemnity)⑦ Liability to family members(*1) D efinition of residence
Residence refers to accommodation facilities
or residential facilities that the insured (theperson covered by the insurance) uses forstudying in Japan or for traveling.
(*2) This includes travel goods, household goods,
guest rooms in accommodations, movables ina guest room in an accommodation (including
safety box and room key), residential facilities(including movables in the rooms) (*3)(*3) A mong damage to residential facilities,
regarding the following kinds of damage, only
those caused by fires, explosions, ruptures,or damage from water stains caused by waterleakages, water discharges, or overflowing will
be covered for indemnity.
・Damage to rooms (including the movables
inside the room) where the whole building or
the whole apartment house is rented.
・Damage caused to those other than therooms.
If an insured (the person who is covered by the
insurance = international student) suffers an injury
in a grave and unexpected accident and develops
a disability within 180 days since the accident(including the date of the accident). If the insured
still requires medical treatment after 180 days since
the day of the accident, the insurance company willrecognize the degree of the disability based on the
medical diagnosis on the 181st day and pay thecompensation for the disability resulting from aninjury.

(Note 1)
Please consult with the insurancecompany in advance if you will partlyor wholly acknowledge your liability fordamages.
(Note 2)
Insurance money may be payable for
expenses that are necessary or usefulfor preventing damages from occurringor spreading, and for court costs andlawyer fees paid out with the agreementof the insurance company.
(Note 3)
If the insured is someone without legal
capacity, the parental authorities will also
be covered for compensation if they areheld liable for the actions of the insured.

4% - 100% of the indemnity for adisability resulting from an accident(depending on the degree of disability)(see page 3)
The total amount of the compensation
through the insurance period is limited to
the limit of the indemnity for a disability
resulting from an accident.

(*4) It is combined with the partially-revised
special contract for exemptions for dangers
including wars therefore an act of terrorisms
will be covered for compensation.
(*5) Yachts and water bikes will be covered forindemnity.
(*6) T his includes rental cars. Bicycles, golf
carts, and snowmobiles used for leisurepurposes will be covered for indemnity.

For example:① Intentionally or owing to a gross negligenceon the part of the contractor and/or the
insured (the person to be covered by the
insurance)② Intention or owing to a gross negligence on
the part of the insurance beneficiary③ Wars and other disturbances (*7)
④ Radiation exposure or radioactive pollution⑤ Injuries due to accidents that occured whiledriving unlicensed, or under the influence ofalcohol or drugs⑥ Fights, suicide, or criminal act⑦ B rain disease, loss of sanity, pregnancy,
giving birth, premature birth, or injuries due
to abortions⑧ Injuries that occured before or after traveling(*7) It is combined with the partially-revised
special contract for exemptions for dangers
including wars therefore an act of terrorisms
will also be covered for compensation■ Guarantors’ Protection Fund (Summary of Coverage)
Cases where Compensations are Payable

Cases Where Compensations Are Not Payable

Compensation will be paid to the guarantor if an international student (the lessee)
does not fulfill any of the following obligations to the renter and causes damage tothe guarantor.
(1) Payment of housing rent, rental fees, and/or general service fees(2) Payment of repairs and/or restoration costs of the rented rooms

Compensations are not payable for the following damages.
(1) T he following damages are not recognized as liabilities borne by theinternational student (the lessee) to the lessor
A Utility fees
B Resident’s association fees
C Other damages from the fulfillment of liabilities that the lessor has no
obligation to pay on behalf of the lessee(2) Damage that occurs due to intentional or large errors from guarantors, lessees,or their representatives(3) D amage based on non-fulfillment that occurs from disputes between thelessee and lessor due to raises in the price of rent that are not fair or proper,
environmental degradation, or non-fulfillment of lessor obligations(4) Damage caused by the lessee that occurs from payment in arrears of rent andother fees when the period of indemnity begins(5) If a rental contract is not created even when the period of indemnity has begun,
or if a guarantor is not secured for the rental contract(6) After a rental contract is concluded, if the lessee changes, or if a sub-lease
contract is created without obtaining the permission of the guarantor or theparticipating school(7) If the international student, guarantor, or their representatives commit fraud
when applying for Ryuhosyo(Notes)・This is only applicable if the rental agreement is cancelled and theaccommodation is handed over within the period of indemnity.
・If the guarantor is still in contact with the international student, please have theguarantor provide instructions to the student first.
[Right to Indemnification]
If the guarantor receives indemnity, the debts against the international student,
which is equivalent to the compensation amount provided, shall be transferredto (PIIF) Japan Educational Exchanges and Services and (PIIF) Japan
Educational Exchanges and Services will bill it to the international student.
The guarantor will be requested to cooperate in searching for the international
student’s location to exercise the right to indemnification.

5

20220309_10398716_04_1353_W210*H297 1C

Disclosure Statement(Policy Summary / Explanation of Information Requiring Attention)

PLEASE READ CAREFULLY.

Policy Summary / Explanation of Information Requiring Attention● This disclosure statement does not cover all contents regarding the insurance you will be enrolled in. The details may vary depending on
the insurance policy handed to (PIIF) Japan Educational Exchanges and Services (the policyholder). If you have any questions, please send
an inquiry to the “contact information” listed on page 8 of this pamphlet.
● The policy summary features information that is especially important for you to understand the contents of the insurance you will be enrolled
in. Please make sure you read it before enrolling.
● The information requiring attention features information we would like to call your special attention to, such as items that may cause
disadvantage to you when applying for the insurance you are to enroll in. Please make sure you read it before enrolling.
* Please keep this pamphlet, your enrollment record, and any other document that could help you understand the enrollment contents.

Policy Summary
1. System and Conditions for Enrollment of the Product(1) Product System
The insurance is a comprehensive agreement with (PIIF) Japan Educational Exchanges and Services as the insurance contractor, andthe insured are those international students who study in one of the schools cooperating with (PIIF) Japan Educational Exchanges andServices and who are enrolled in the Guarantors’ Protection Fund. (PIIF) Japan Educational Exchanges and Services holds the rights torequest insurance policies and to cancel insurance contracts, among others.
Regarding the name of this insurance, the organization (the contractor) and the conditions for enrollment, please refer to pages 1, 2 and 8.
(2) Compensation and Insurance Period (contract period for insurance)
Regarding ① main reasons for payment (cases where claims are payable), insurance payment amount, ② main reasons for exemption(main cases where claims are not payable), ③ insurance period (period of indemnity), please refer to pages 1-3 and 5.
(3) Conditions for Enrollment (insurance amounts)
Conditions for enrollment (insurance amounts etc.) for this insurance are to be chosen from the compensation periods which are alreadyset. For details regarding the compensation periods, please refer to page 2.
2. Premiums and Paying Methods
The amount of the premium will be set according to the contract period you choose to enroll in. Regarding the premiums and the methods of
payment, please refer to page 3.
3. Maturity Repayment and Insurance DividendThis insurance does not have either maturity repayment or insurance dividend.

Explanation of Information Requiring Attention
1. Duty of Disclosure, Duty of Notice, etc.
(1) Special points to be considered when enrolling in this insurance○ Insurance is a system where many people pay premiums to compensate among each other when an accident occurs. Therefore, if
people who have a higher chance of receiving the payment are allowed to join without any condition, the fairness of the insurance feeburden will not be preserved.
○ For this reason, when enrolling, you have an obligation to submit important information to the insurance company (Duty of Disclosure)(and the insurance company holds the right to receive disclosure). For further details of the Duty of Disclosure, please refer to page 4.
○ If the truth is not reported or things different from the truth are reported intentionally or by gross negligence, and if it is within 5 years
since the submission of the insurance application, the insurance company may cancel the enrollment as a violation against the Duty ofDisclosure.
○ If the contract is cancelled, the claims cannot be paid, even if there is a good reason it should be. However, if there is no cause andeffect relationship between the “occurrence of an accident to be covered by the insurance” and “actual cause of the cancellation”, theclaims will be payable.
○ Besides the cases where we cancel the contract, there may be other cases where claims will not be payable due to the circumstances
when the contract is signed. For example, if the violation against the Duty of Disclosure is critical such as “you intentionally avoided todisclose us of the illness or symptoms that are difficult to cure with existing medical standards”, there may be cases where the claims
are not payable regardless of how many years have passed.
(2) Items to pay attention to after enrolling (Duty of Notice)Regarding the Duty of Notice for when you become engaged in a dangerous job during the period of indemnity (for example, professional
boxing, professional wrestling, etc.), or the procedures when an accident occurs, please refer to page 4. If we do not receive any noticeor if you do not complete the procedures, the enrollment may be cancelled or claims may not be payable.
(3) Contract renewal
Please note that there may be cases where continuation of a contract is refused or the conditions are restricted depending on thecircumstances of the insurance claims.
2. Start of insurance liability period
Insurance liability, in principle, starts as the period of indemnity (insurance period) starts as shown on page 2.
3. Main Reasons for Exemption (Main cases where claims are not payable)
Please refer to page 5.
4. In the event of the insolvency of the insurance company
In the event that the insurance company becomes insolvent, the payment of claims, matury repayment, etc. may be suspended for a certain
time of period, or the amounts may be reduced. For details please refer to page 4.

(Continued on the next page)6

20220309_10398716_04_1353_W210*H297 1C

5. Handling of Personal Information
Please refer to “Handling of Personal Information” on page 7.
6. Change to a New Insurance Contract
If you are considering enrolling into a new insurance contract, based on the assumption that you will either cancel the current enrollment or
reduce the amount, please keep the following points in mind.
① Disadvantages you may get if you cancel the current contract or reduce the amount○ In many cases, the repayment is less than the total amount of primes you have paid until then.
② Points to consider if enrolling in a new insurance contract hen we newly receive a disclosure for new enrollment, and if there is any information not being notified to us or if any information is○W
different from the truth, there may be cases where it is considered as the violation against the Duty of Disclosure. In such a case, theenrollment may be cancelled and the claims may not be payable.
○ If an accident occurs before the start of the liability period for the insurance contract you are newly enrolled in, insurance money may
not be payable.
7. Cancellation by Request from the Insured
There is a system where a insured can submit a request to cancel an enrollment related to him/herself. For details regarding the system
and/or procedures, please get in contact with “contact information” listed in the pamphlet.
8. Insurance Claim and Payment(1) Procedures in case of an accident
Regarding procedures for when an accident occurs, please refer to the pamphlet.
(2) Documents for insurance claim
When claiming for insurance, you may be requested to submit the following documents or evidence besides documents stipulated in theagreement.
・Documents or evidence that prove an accident has occurred and/or the circumstances of the accident, such as transport accident
report, accident report prepared by a person in charge of the accident site, etc.
・Documents or evidence that could be used to confirm the person is covered by the insurance, such as certificate of residence, extractof family register, etc.
・Documents or evidence that prove the degree of injury or illness, such as X-rays or MRIs.
・Documents or evidence that could be used to confirm the price of the damaged item (receipts etc.), pictures of the damaged item, andany documents or evidence that could be used to confirm the expenses needed for its repair, such as quotation.
・Documents or evidence that could be used to calculate the amount of indemnity to be paid by us, the insurance company, such as
payment breakdown document that shows the details of the claim paid by other insurance contracts etc.
(3) Insurance claim via a representative
If the insured has reasons he/she cannot claim the insurance and if there is no one else who can receive the payment as his/her
representative, there are cases where a family member of the insured (spouse, for example) who fulfills the conditions set by the
insurance company may act as his/her representative and claim the payment. For details, please get in contact with “contact information”
listed in the pamphlet.
(4) Indemnity Payment
Besides the expense insurance, the insured may request indemnity for liability but exclusively in the following cases ① to ③ .
① If the insured has already settled payment to the victim as compensation for damage② If it is confirmed that the victim has agreed the claim may be paid to the insured③ If the insurance company directly pays the indemnity to the victim based on the instructions by the insured[Handling of Personal Information]
JEES (Contractor) provides personal information related to the contract to Tokio Marine & Nichido Fire Insurance Co., Ltd. Tokio Marine& Nichido Fire Insurance Co., Ltd. and Tokio Marine Group companies (*) use the personal information related to the contract (including
information obtained in the past) for judgements whether or not to contract the insurance, for management and fulfillment of the contract, forproviding additional services, for providing guidance on products and services of other insurances and financial products, and for carrying out
surveys. In addition, there may be cases where it is used and/or provided for the following purposes ① to ⑤ . The purposes of use of special
non-disclosure information such as health- and/or medical-related information (sensitive information) are limited to the scope that is considerednecessary for assuring the appropriate management of duties in accordance with the Regulation for Enforcement of the Insurance BusinessAct.
① Within the necessary scope for achieving the purposes of use of personal information related to the contract, personal information may beprovided to outsourcing contractors (including insurance agencies), insurance brokers, medical institutions, parties related to claims andpayments of the insurance, financial institutions, among others.
② As a reference for judging whether or not to conclude the contract, to modify the contracts, to pay the claim etc., personal information may
be used together with other non-life insurance companies, other insurance companies in the Tokio Marine Group, and the General Insurance
Association of Japan.
③ For offering and providing guidance on products and services, personal information may be used together between Tokyo Marine & Nichido
Fire Insurance Co., Ltd. and Tokio Marine Group companies, and between Tokio Marine & Nichido Fire Insurance Co., Ltd. and its partnercompanies.
④ For the conclusion, renewal, maintenance and/or management of the reinsurance contracts as well as for the reinsurance payment by thereinsurance companies, personal information may be provided to reinsurance companies.
⑤ For the paperwork including setting, changes, and/or transfers of security rights by secured creditors of mortgages, rights of pledges, rights
to security by way of assignment, and reservations, management and exercise of secured property rights, personal information may beprovided to those secured parties.
* “Tokyo Marine Group” includes companies under the Tokyo Marine Holdings such as Tokyo Marine & Nichido Fire Insurance Co., Ltd., Nisshin
Fire & Marine Insurance Co., Ltd., Tokio Marine & Nichido Life Insurance, as well as subsidiaries of these companies.
To see the list of Tokio Marine Group companies and partner companies, that of managers in charge of the use of personal information in
the Group, that of products and services, and/or the handling of personal information in Tokio Marine & Nichido Fire Insurance Co., Ltd. (andTokyo Marine Group companies), please check the website of Tokyo Marine & Nichido Fire Insurance Co., Ltd. (www.tokiomarine-nichido.
co.jp)

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Points to be confirmed upon enrollment (Confirmation of Intentions)This is to confirm that the insurance product you are to enroll in meet your requests, and to verify that those points that are especially important
are entered correctly upon application, so you can use the insurance with security in case an accident occurs.
Please check each of the following questions one more time to make sure.
Should you come up with any questions upon checking it, please get in contact with the “contact information “listed below.

1. Please read this pamphlet (including the disclosure statement) and confirm the insurance product meets yourrequests in the following points.
If the points do not meet your requests, please examine the enrollment contents again.
□ Reasonable cause for payment (including main contracts and special contracts) and the prime payable□ Amount covered (contract amount)□ Period of indemnity (insurance contract period)□ Insurance fee

2. Please read carefully if you will practice the following sports during the period of indemnity.

□ Claims may not be payable if an accident occurs while practicing any of the following sports. If you have any questions, please contact
JEES or the insurance company.
・Mountain climbing (Using hiking tools such as ice axes, climbing irons, ropes, and hammers)
・Luging, bobsledding or skeleton sledding
・Aircraft operation (except for gliders and airships) (except for aircraft operation for work)
・Skydiving, hang-gliding, boarding an ultralight aviation (motor hang glider, micro-light aircraft, ultra-light aircraft) and/or a gyroplane・Other dangerous sports similar to these・Competitions, contests, performances in vehicles, motorized bicycles, go karts, motor boards, or any other passenger vehicles similar
to these and their test drives (including practices)

3. Do you confirm the contents of the Disclosure Statement (contract summary, information requiring attention)?

The “Explanation of Information Requiring Attention” particularly covers information that may be a disadvantage for you, such as “MainReasons for Exemption (main cases where claims are not payable),” as well as the “Duty of Disclosure, Duty of Notice”. Please make sure
you check them all.

Inquiries● For questions and inquiries regarding insurance…

● Regarding Guarantor Protection…

<Insurance Company><Contractor>

Tokio Marine & Nichido Fire Insurance Co., Ltd.

Japan Educational Exchanges and Services

Government Sector Department 2, Education and Official Affairs Office
6-4 Sanban-cho, Chiyoda-ku, Tokyo 102-8014

TEL : 03-3515-4133 FAX : 03-3515-4132
www.tokiomarine-nichido.co.jp

Contact
information Tokio Marine & Nichido Fire Insurance Co., Ltd.
in case of an
0120-881-503
accident

Student Insurance Division, Student Support Department
4-5-29 Komaba, Meguro-ku, Tokyo 153-8503

TEL : 03-5454-5275 FAX : 03-5454-5232

http://www.jees.or.jp/

How to use toll-free● Reception hours: 9AM to 5PM① Dial the toll free number on the left.
② Please indicate your call is about Comprehensive Renter’s Insurance for international students
studying in Japan. We will put you through to the person in charge to attend you.

Sonpo ADR Center, the General Insurance Association of Japan (Designated dispute resolution organization)

DesignatedFrom IP phones please call 03-4332-5241
0570-022808 (Chargeable call)disputeReception hours: Weekdays from 9:15AM to 5PM(Closed on Saturdays, Sundays, national holidays, and year-end and New Year holidays)
resolution
organization Besides normal consultations regarding non life insurance, we deal with complaints such as problems resolving troubles with the non life insurancecompany, and offer support to settle dispute with non life insurance company.

(Created in February 2022)
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