Personal Liability Insurance for Students (=GAKUBAI) (Insurance Premium)Life Mutual Insurance (premium) NU
1年間の掛金¥6,0006,000

Students commuting from parental home
For people who do not need coverage for a person
living alone against risks although they are living
alone in an apartment or dorm円

年 4 月 29 日までに払込んだ場合の金額です。

●前年度ご加入いただいた被保険者の人数に従って割引率がAnnual insurance
premium

決定されます。なお右記の学生賠償責任保険の保険料（施設・※掛金・保険料を口座振替することにより契約は卒業予定年まで自動継続します。
2 年目からの掛金・保険料の支払いは口座振替です。口座開設についての詳細は、銀行またはゆうちょ銀行の窓口でご確認ください。
※学生賠償責任保険は、共済ではなく全国大学生協共済生活協同組合連合会が保険契約者となり、三井住友海上火災保険株式会社（幹事）と締結する団体契約の保険です。

一人暮らし特約あり

Annual insurance
premium

1年間の保険料¥1,800

生産物賠償責任保険を除きます。）は、職種級別 A・学生の場

せは大学生協 共済・保険サポートダイヤルまでお願いします。

With Special clause for persons living alone

一人暮らし特約なしについては 30% の団体割引が適用されます。

方、在学中に 35 歳になる方は、掛金が異なります。お問い合わ

アパート・寮などにお住まいで「お住まい」等を取り巻くリスクに備える一人暮らしのための保障が必要な方

Without special clause for persons living alone

学生賠償責任保険（施設・生産物賠償責任保険を除きます。）

合の保険料です。

For people who need coverage for a person living
alone against risks surrounding life in anapartment or dorm

実家通学の方アパート・寮などにお住まいだが「お住まい」
等を取り巻くリスクに備える一人暮らしのための保障が不要な方◆学生総合共済、学生賠償責任保険の掛金・保険料は 2021

※生命共済の掛金は 34 歳までの方の掛金です。35 歳以上のこのパンフレットに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。

学生賠償責任保険（保険料）

生命共済（掛金）

Annual premium

The contents of this brochure are provided in English just for reference, with the Japanese version prevailing.

¥8,5001,800円

1年間の保険料

8,500円◆This is the amount if an insurance premium for Student Comprehensive Mutual Insurance and Personal Liability

Insurance for Students is paid by April 29, 2021.
A 30% group discount is applied to Personal Liability Insurance for Students (except for Premises/Product Liability Insurance).
●The discount rate is determined based on the number of subscribers in the previous ﬁscal year. The aforementioned amountof insurance premium for Personal Liability Insurance for Students (except for Premises/Product Liability Insurance) is theinsurance premium for students of job grade A.
※The Life Mutual Insurance premium apply until the insured is 34 years old. The premium is different for a person age 35 orabove or for a person who turns 35 during while attending school. If you have questions, please contact Mutual Insurance andInsurance support line below.
※Your insurance policy will continue automatically until your expected year of graduation, with the insurance premium or thepremium paid by account transfer.
The premium or the insurance premium is paid by account transfer starting from the 2nd year. Please contact your bank or theJapan Post Bank regarding the details of opening an account.
※The University Co-operatives Mutual Aid Federation is the policyholder for Personal Liability Insurance for Students, since it is
not mutual insurance; and Personal Liability Insurance for Students is group insurance contracted between the University
Co-operatives Mutual Aid Federation and Mitsui Sumitomo Insurance Co., Ltd. (lead underwriter).

For
International
Students
留学生の皆さまへ

2021 Edition
2021 年度版

Student
Comprehensive
Mutual Insurance

UNIV. CO-OP’s KYOSAI

大学生協の学生総合共済 厚生労働大臣認可
Authorized by the Minister of Health, Labour and Welfare

A secure insurance system based on mutual help among around 719,000 student co-op
members from 211 university co-operatives across Japan
全国211大学生協・約71.9万人の学生組合員がたすけあう、安心の保障制度です。

Life Mutual Insurance
生命共済

Recommend! あわせておすすめする保険
Personal Liability Insurance for Students (With or without special clause for persons living alone)
学生賠償責任保険（一人暮らし特約 なし・あり）For questions regarding the formalities for subscribing to an insurance policy 加入手続きについてのお問い合わせ
Contact your univ. co-op regarding the formalities pertaining toqualifications and plans for subscribing to an insurance policy, etc.

List of the Co-op Handling Student Comprehensive Mutual Insurance (Written: in English)

加入資格や加入プランなどの手続きに関することは各大学生協の窓口まで【学生総合共済 取扱生協一覧】記載言語：英語

https://www.univcoop.or.jp/en/about/search.html

For questions regarding the details of coverage 保障内容についてのお問い合わせ
Call this number to learn more about the mutual insurance and the insurance of the Univ. Co-op, and to find out the details of the coverage.
大学生協の共済・保険へのご加入を検討し、保障内容について詳しくお知りになりたい方はこちらまで

Only in Japanese※日本語のみの対応です

Mutual Insurance and Insurance support line

大学生協 共済・保険サポートダイヤル

0120-335-770

You will hear voice guidance if you call this number. Please press the number as indicated by the voice guidance. (You can press a number while the voice guidance is still on.)

☎おかけいただくと音声ガイダンスが流れます。音声ガイダンスに従い番号を押してください。
（音声ガイダンスの途中でも番号を押すことができます。）

Hours Open
受付時間

Weekdays: 9:40–17:30【平日】9:40〜17:30

Saturdays: 9:40–13:00【土曜】9:40〜13:00

Closed on Sundays and National Holidays and from December 28 to January 4.
【日祝および12/28〜1/4】休業

Open extended hours from Feb. 13 (Sat) to Apr. 19 (Mon), 2021.
Open Sundays and National Holidays.

Hours
Open

Weekdays: 9:00–19:00【平日】 9：00〜19：00

Saturdays, Sundays and National Holidays: 9:00–17:00

2021年2/13（土）〜4/19（月）は受 付 時 間を延 長します。日曜・祝日も受付します。 受付時間 【土日祝】9：00〜17：00

Please see the FAQ on the University Co-operatives Mutual Aid Federation website.
全国大学生協共済生活協同組合連合会のホームページ内「よくいただくご質問」
もあわせてご覧ください。

Written: In Japanese 記載言語：日本語
https://kyosai.univcoop.or.jp/※The contents of the brochure are subject to change without notice.

※パンフレットの記載内容は予告なく変更することがあります。

UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION
全国大学生協共済生活協同組合連合会

43

PB2103

Insurance agent

University Co-opetative Insurance Service Co.,Ltd.

取扱代理店

株式会社 大学生協保険サービス

Koenji Kaikan Bldg. 1-12-4 Koenji Minami, Suginami-ku, Tokyo 166-0003

3-30-22 Wada, Suginami-ku, Tokyo 166-8532〒166-0003 東京都杉並区高円寺南1-12-4 大学生協高円寺会館
https://kyosai.univcoop.or.jp/〒166-8532 東京都杉並区和田3-30-22
https://hoken.univcoop.or.jp/
Approval No. 承認番号：ucm210303 A20-101952
Expiration date: April 1. 2022 使用期限：2022年4月1日

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UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION

https://kyosai.univcoop.or.jp/english/index.html

Six points: Student Comprehensive
Mutual Insurance and theinsurance we recommend

Student Comprehensive Mutual Insurance is the institutionalized version of the spirit of mutual help among students. The
coverage required for student life can be achieved with amodest premium, providing secure and firm support. We
enable students to continue their studies through mutual
insurance with the insurance we recommend.

学生総合共済は学生どうしのたすけあいを制度化したものです。学生生活に必要な保障を、少ない掛金で実現しています。
共済とあわせておすすめする保険で学業継続をささえられるようにしています。

学生総合共済とあわせておすすめする保険 6つのポイント

The contents of this brochure are provided in English just for
ここに記載する内容につきましては、英語は参考

reference, with the Japanese version prevailing.
表示であり、
日本語が優先となります。

500 yen per month

一ヵ月あたり 500 円

1

2
3
4
5
6

Insurance cover for your student life in Japan by paying
a modest premium

生協加入についてPlease complete the Univ. Co-op membership procedures
together with your university entrance procedures.
入学手続きとあわせて生協加入の手続きをお願いします。

少ない掛金で安心できる留学生活の保障
Life Mutual Insurance 生命共済

With life mutual insurance, you have peace of mind
even for things which are not covered by National
Health Insurance*
国民健康保険※では支払われない部分も生命共済で安心Q Is it necessary to subscribe to Student Comprehensive
Mutual Insurance and the insurance in addition to National
Health Insurance?
A Yes. In the event of sickness or an injury while studying inJapan, there may be cases where you have to pay for expensive
medical care. In Japan, international students staying morethan three months are required to subscribe National Health
Insurance, just like Japanese citizens. In the case of medicalcare covered by National Health Insurance, 70% of medical
expenses are paid by the Insurance and the remaining 30% of
medical expenses are paid by the individual.

24-hour, 365-day coverage whether you are in Japan, Commuting or during lectures During internships
During part-time work
In Japan or traveling abroad
returning to your own country or traveling abroad
During club activities
While playing sports
24時間365日、日本国内・帰国中、海外旅行中でも保障Life Mutual Insurance 生命共済

Traffic accidents
On trips home

In an apartment for rent or
dormitory

Q 国民健康保険以外に共済・保険に加入が必要なの？
A 留学生活で、病気になったりケガをした時、場合によっては高額な治療費を支払わなければならないこともあります。日本では 3 か月を超えて滞在する外国人留学生に日本人と同じ『国民健康保険』への加入を義務付けています。国民健康保険の対象となる治療の場合、医療費の 70％が国民健康保険で支払われ、残りの 30％が自己負担となります。

通学中・ 授業中
アルバイト中クラブ・サークル
交通事故
帰国中

インターンシップ中
日本／海外旅行中
スポーツ中
アパート・寮

日本での一人暮らしに必要な保障
Personal Liability Insurance for Students 学生賠償責任保険

With Special clause for persons living alone（一人暮らし特約あり）

Procedures can be completed at the university co-op
information desk
ケガや病気をしたときの受付、給付申請手続きは大学生協窓口まで

病気や事故にあわないための予防活動

Mutual insurance applications and inquiry
Mutual insurance payment applications
Reminders to avoid forgetting to apply for mutual insurance
payments*Those subscribing via Inter-college Co-op are kindly
requested to complete the procedures in the office or by phone.

共済加入の申込み・相談
共済金の給付申請手続き
共済金の給付申請忘れがないように呼びかけ

Health, Labour and Welfare)からだとこころの健康相談
Speak to a specialist in physical andmental health problems.

からだとこころに関する悩みに専門の相談員がお答えします。

Consultation regarding everyday life issues

くらしの相談We help solve problems for people
who live alone, including everyday life
difficulties, trouble with stalkers andproblems in the neighborhood.

一 人 暮らしで困ったことやストー
カーや近隣とのトラブルなど生活をしている上で困ったことの解決をお手伝いします。

We protect
your privacy.

食べる

プライバシーは守
ります。

24時間
365日
無料

You can purchase the stationery and books necessary for your studies or research,personal computers, electronic dictionary, etc., all at discount prices. In addition,
we also accept applications for the TOEIC test, certification exams, and certificate
schools.

Healthy university life starts with healthy diet.
Our food products use safe and reliable ingredients and come with nutritionallabels and suggestions to enable you to have well-balanced meals. We offer you
a variety of menus at inexpensive prices so as to provide support for your dietarylife.
健康な大学生活は食べることから
安心安全の食材を使用し、バランスよく食べるための栄養表示と提案を行っています。様々なメニューを低価格で提供しており、食生活をしっかりとサポートします。

Health andpeace of
mind
健康・安全

2 4 hours
3 6 5 days
FREE

At university you need to focus on your studies
and research!!

大学生は勉学・研究がイチバン！！
勉学研究に必要な文具や書籍、パソコンや電子辞書なども割引で購入できます。
また、TOEICや資格試験、資格スクールの申し込みの受付も行っています。

Eat

食生活相談会・栄養相談
自転車事故防止活動・バイク事故防止活動
イッキ飲み防止キャンペーン・アルハラ防止キャンペーン
これらの企画は各大学生協単位で行われております。詳しくはご自身の在学中の大学生協までお問い合わせください。

（厚生労働省資料より）

Consultation regarding physical and mental health

学ぶ※インターカレッジコープでご加入された方は、インターカレッジコープの事務所またはお電話で手続きをお願いします。

* National Health Insurance is insurance for when an individual becomes ill or is injured and does not cover compensation for damages claimed after having injured another person in an accident. (Source: Ministry of

日本語のみの対応です。

大学生協の各種サービス•火災、水ぬれなどで家財が損壊したとき•住宅（敷地を含む）
内の家財や自転車が盗まれたとき•火災や水もれ事故を起こし貸主（大家）さんから損害賠償を請求されたとき※国民健康保険は自分が病気になったり、ケガをしたときの自分のための保険であり、事故等で他人に損害を与えてしまった場合の損害賠償に関しては補償されません。

Only available in Japanese

大学生協は各大学の学生・院生・教職員が出資金を出し合って運営し、大学の中で福利厚生を担っている団体です。
生協はさまざまな事業やサービスを組合員に提供することで組合員に充実した生活を送っていただけるようサポートし、同時に魅力ある大学に貢献するよう努力しています。
大学内の多数の学生・院生・留学生・教職員が加入しており、加入して店舗・食堂の利用や書籍の割引サービスなどを利用できます。
生協は一人ひとりの組合員の出資と参加と運営で成り立っています。
また、学
生総合共済と生協があわせておすすめする保険は生協の学生組合員が、ご加入いただけます。
お預かりした出資金は卒業時に返還されます。

Variety of services•This insurance covers household goods damaged by fire orwater, etc.
•This insurance covers your household goods or bicycle
stolen from your room (including the residential premises).
•This insurance also covers your legal liability from landlordfor damage caused by fire or water.

Diet counseling, Health check plan, Bicycle/motorbike
accident prevention activities, Anti-binge drinking,alcohol-related harassment prevention campaign
These activities are implemented by each university co-op.
For further details, please contact the university co-op at theuniversity where you are enrolled.

Illness and accident prevention activities

共済加入者のための安心サポート
学生生活無料健康相談テレホン

The University Co-op, operated through share capital (investment money) byundergraduate students, graduate students and faculty members of the university, provides service and benefits at the university. By offering its members avariety of benefits and services, the Co-op provides support to enrich the livesof members, while also endeavoring to help make the university an even more
attractive place. Most of undergraduate students, graduate students, international students and faculty members join the Co-op. They can utilize stores andcafeteria, as well as discount services for books. The Co-op is operated througheach and every one of its members’ investment, participation and management. Also, Student Comprehensive Mutual Insurance together with theinsurance the Co-op recommends is available to members. The deposit we
receive from student members shall be refunded when they graduate.

Study

Insurance needed for living alone in Japan

Support for the peace of mind of mutual
insurance policy holders Free telephone
consultation for students regarding health1

Membership of the University Co-op

Accommodation
住むTravelトラベル

Wishing you health and safety!
For that reason, we are working on health and safety initiatives. We recommend
joining Student Comprehensive Mutual Insurance to provide for emergencies.
健康で安全に過ごしてほしい！
そんな願いから健康・安全のとりくみを行っています。
もしもの時のたすけあいの制度「学生総合共済」
への加入をおすすめします。

Housing introduction
We provide consulting to international students who are looking for an apartment
near the university.
住まいの相談留学生の方へ大学の近くのアパート探しの相談を行っています。
We arrange for tickets of JR lines (including Shinkansen), highway bus andairlines, as well as package tours; and we also make arrangements for hotels,
Japanese-style inns and communal lodging facilities.
JRきっぷ（新幹線含む）
・高速バス・航空券などのチケットの手配、パッケージツアーやホテル・旅館・合宿などの受付を行っています。

2

Supporting your studies with a fixed amount premium for
留学生活に必要な定額保障

Life Mutual
Insurance
生命共済

System of mutual help to prepare the student to deal with injury and illness.
The insurance covers illness and injury 24 hours a day, 365 days a year, whether on or off campus, in Japan orabroad. The insurance also covers injury due to earthquakes, volcanic eruption and tsunami.
学生本人のケガや病気に備えるたすけあいの制度

NU

病気やケガを24時間365日、学内外・国内・海外を問わず保障します。地震・噴火・津波によるケガも保障。

necessary coverage for student life in Japan!
で学業継続をバックアップ！
■Details of coverageand premium■保障内容と掛金

The contents of this brochure are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。

Point 1

Point 2

タヌロー
学生総合共済のマスコットです。

Covers the student’s injuries and illness*Death beneﬁts are not paid for the student or person(s)supporting the student.

入院保障
入院1日目から200日まで保障

Coverage provided from the first day to200th day of hospitalization.

Coverage provided from the first day to
90th day of outpatient treatment.

Surgical procedures, including same-day
surgical procedures, per procedure

5,000 yen per day

1,000 yen per day

Fixed 20,000 yen

入院保障は1日目から200日まで

ケガでの通院は1日目から90日まで

手術は日帰りも含め1回につき日額

5,000円
Point 4日額

1,000円

定額

Point 5

病気

Fixed

20,000 yen per surgery

手術保障
日帰り手術も対象となります

1回の手術につき定額 20,000円

Coverage for Severe Disabilities(Grades 1–3)

Depending on the grade of disability

Coverage for severe disabilities due to illness

1,500,000 yen – 1,350,000 yen
後遺障がいの等級に応じて重度後遺障がい保障（1〜3級）
病気により重度後遺障がいとなった場合

Coverage for Proactive Mental Health Treatment

20,000円

If being treated for a psychiatric disorder
こころの早期対応保障
精神疾患の診療を受けたとき

Point 6

150万円〜135万円

per
10,000 yen Once
insured period（1共済期間に1回）10,000円

5,000 yen per day

入院保障
入院1日目から200日まで保障

日額5,000円

Coverage for Outpatient Treatment

Fixed 10,000 yen
per accident
特定の傷害により固定具をつけた場合
1事故について定額

10,000円

10,000 yen

Persons with chronic illnesses
may also subscribe.
*For details, see “Summary of Coverage”.

Once perinsured period

精神疾患の診療を受けたとき
こころの早期対応保障（1共済期間に1回）

10,000円

持病がある方も加入できます※詳しくは、「保障のあらまし」
をご覧ください。

Injuryケガ

Coverage for Surgical Appliances because of
speciﬁc injuries.
If using surgical appliances due to injury
特定傷害固定具保障
ケガで固定具を装着した場合

Compensation for stalking victims〈生命共済加入者全員対象〉

ストーカー被害見舞金

Fixed amount: 50,000 yen
定額 5 万円
3

We provide compensation for stalking victims tocompensate for the cost of replacing keys and moving
expenses required to prevent further stalking, if thevictim notiﬁes the police of a stalking incident.

Compensation
aiming toprevent further
stalking.

ストーカー被害を警察に届け出た
場合、被害拡大予防のための鍵交
換費用や引越し費用の補てん等のための見舞金です。

被害拡大予防を目的とした見舞金です。

日額1,000円

Fixed

後遺障がい保障（1〜14級）
ケガによる後遺障がいとなった場合

6,000円※This is the amount if you

pay the premium by April
29, 2021.
※掛金は2021年4月29日までに払込んだ場合の金額です。

1事故について定額 10,000円

Fixed

20,000 yen per surgery

1回の手術につき定額 20,000円

Coverage for Disabilities (Grades 1 to 14)
For disabilities due to injury

6,000 yen

10,000 yen per accident

Coverage for Surgical Procedures
Coverage for a surgical procedure required due to injury
Also covers same-day surgical procedures
手術保障
ケガで手術をした場合を保障。日帰り手術も対象[for all life mutual insurance policy holders]

1,000 yen per day

Coverage for outpatient treatment required due to injury
From the first day to 90th day of outpatient treatment
通院保障
ケガによる通院を保障。
1日目から90日まで

If being treated for a psychiatric disorder
Coverage for Proactive Mental Health Treatment

Annual premium

1年間の掛金Coverage for Hospitalization

Coverage provided from the first day to 200th day of hospitalization

When using surgical appliances
because of specific injuries.

500円

日額5,000円

Coverage for Surgical Procedures

Illness

1ヵ月あたり5,000 yen per day

Coverage provided from the first day to 200th day of hospitalization

Also covers same-day surgical procedures

500 yenper month

学生本人のケガや病気を保障※学生本人・扶養者の死亡保障はありません。

Coverage for Hospitalization

Point 3

Tanuro- the mascot forStudent Comprehensive Mutual Insurance

According to grades

1,500,000 yen – 60,000 yen
等級に応じて150万円〜6万円※The life mutual insurance premium applies until the insured person is 34 years old.
※There is a different premium for an insured person age 35 and above.
※For details of coverage, see Life Mutual Insurance in the “Summary of the Coverage” beginning from page 9.
※生命共済の掛金は34歳までの方の掛金です。
※35歳以上は掛金が異なります。
※詳しい保障内容は「保障のあらまし」生命共済（P.9〜）をご覧ください。

4Personal Liability Insurance forStudents (=GAKUBAI)(Without special clause for persons living alone)
学生賠償責任保険

19H（一人暮らし特約なし）

19H

Point 1

• Students commuting from parental home • Students living or to live in apartments or dormitories, etc., who do not need insurance
cover for living alone to protect against the risks involved in their “residence”, etc. • Insurance cover applies in Japan and overseas.
●実家通学の方 ●アパート、寮などにお住まい（予定）で、「お住まい」等を取り巻くリスクに備える一人暮らしのための保障が不要な方 ●国内・国外の保障です。
The contents of this pamphlet are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。

19H

Point 2

19H

Up to alimit of

300 Million Yen

per oneaccident

conducting anexperiment in alaboratory or while intraining, this covers compensation for damages. Or you
cause an accident while in medical training, thiscovers costs required for measures to prevent the spreadof infection within the facility, and for medical treatment.

This insurance covers when you cause an
accident during an internship or while doingpart time work, or while abroad.

amount and insurance premium■支払限度額・保険金額と保険料

Coverage for Personal Liability*1★Special clause for daily life personal
liability compensation☆Set of special clause relating topartial changes of special clause fordaily life personal liability
compensation (for university co-op)☆Set of compensation special clause(special clause for daily life personal
liability compensation) for insured
student only

個人賠償責任保障※1★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生協用）セット☆本人のみ補償特約（日常生活個人
賠償責任補償特約）セット

Coverage for Liability for
Infringement of Personal
Rights*2

Insurance premium for one year
19H

If you make your payment by April 29, 2021:
1年間の保険料

2021年4月29日までに払込んだ場合(The above refers to a sympathy payment for costs incurredin the case of death, and the amount will differ depending on
the reason for the cost. However, there is an overall up to alimit of one million yen per one accident.)

被害者1名につき最高 50万円まで（上記は死亡見舞費用保険金の場合であり、費用の種類によって金額は異なります。ただし１事故につき最高100万円までとなります。）

Up to a limit of

Coverage for specified disabilities of the insured caused by an injury.

後遺障がい保障※3☆死亡保険金対象外特約セット

Compensated accidents (including regular lectures, part-time work, internships,etc.) (in Japan and abroad)Coverage for liability against to another person who you harm by accident in yourordinary daily life.
Example: Accidently damaged or broke someone’s property or goods.
Accidently injured a student during an educational training session.
Dropped and broke a laptop computer borrowed from a company during
an internship there.
Injured a passerby while riding a bicycle, etc.

日常生活および実習中（正課の講義・アルバイト・インターンシップ等を含む）における賠償事故（国内・国外）
日常生活での他人に対する賠償責任を保障
例）
・他人の財物や商品を誤って破損させた・教育実習中に誤って生徒にケガをさせた・就業体験先から借りたパソコンを落として破損させた・自転車で通行人にケガをさせた など

Compensated accidents (infringement of personal rights) (in Japan and abroad)occurring during regular lectures (including internships)
Coverage for costs relating to liability for infringing another person’s privacy or defaming aperson while participating in regular classes.

19H

1,800 Yen
1,800円Coverage for expenses occurredin infection prevention

Coverage of costs for measures of prevention of infection or treatment related to an accident
occurring during medical related training as part of regular classes. (In Japan and abroad)
正課の講義等における医療関連実習で発生した事故に伴う感染予防措置・治療の費用を負担した場合を保障（国内・国外）

最高 10万円まで

ケガにより被保険者が所定の後遺障がいを負った場合を保障*1 Insurance payments will not be made in the following cases. For details, please refer to page18.
●Liability for injury to third parties caused by automobiles or motorcycles (including mopeds)●Liability for injury to participants of sports activities (in case that there is no occurrence of legal liability)●Liability for matters under the administrative responsibility of the university (in case that an individual is not liable)*2 Coverage for Liability for Infringement of Personal Rights does not include out-of-court settlement mediation services.
*3 Depending on the level of the disability, the insurance payment will differ.
※1 下記のような場合は保険金をお支払いできません。
（詳細はP.18をご参照ください）●自動車、バイク（原付を含む）による第三者への賠償責任 ●スポーツにおける参加者間の賠償責任（法律上の賠償責任が発生しない場合）●大学の管理責任下での賠償責任（法律上個人に責任がない場合）※2 人格権侵害賠償責任保障には示談交渉サービスはありません。
Out-of-court settlement mediation is provided regardless of whether there※3 後遺障がいの程度により、支払う保険金の額が異なります。

is a special clause for persons living alone. If there is a special clause for
persons living alone, the insurance company negotiates with the landlord.

Up to a limit of

300 Million Yen
per one accident(The coverage limit is 5 million yen for accidents involving
recorded information of information system, etc.)(Including out-of-court settlement mediation services)

1事故最高

3億円まで

（情報機器等の記録情報の事故は500万円を限度とします。）

Includes out-of-court settlement mediation services 示談交渉サービス付 19H(This service is available for liability from compensated accidents in Japan only.)（国内での賠償事故） 19HK

一人暮らし特約なし・ありどちらにも示談交渉がついています。一人暮らし特約あり
では貸主（大家）さんとの交渉もします。

In the out-of-court settlement mediation service, where the insured of this insurance is responsible for an
accident, and the consent of the insured and the other party has been obtained, the insurance company negotiateswith the injured party and resolves the issue on behalf of the insured.
示談交渉サービスとは、この保険の被保険者が加害者となったとき、相手方および被保険者の同意が得られた場合、被保険者に代わって保険会社が被害者と折衝し解決するサービスです。

（示談交渉サービス付）

Example of accident in daily life

Example of accident in daily life

Bicycle accident 自転車事故

Accidents while walking 歩行中の事故

日常生活における事故例

19H

正課の講義

（インターンシップ含む）等における賠償事故（人格権侵害）（国内・国外）
正課の講義等における他人のプライバシー侵害や名誉毀(き)損に対する損害賠償責任を負担した場合を保障

100,000 Yen☆天災危険補償特約セット

Occurring during daily life and practical training

人格権侵害賠償責任保障※2

感染事故損害防止費用保障

5

学生賠償責任保険（一人暮らし特約なし）

Up to a limit of 500,000 Yen
per one injured party

19H

インターンシップ中やアルバイト中、さらに海外での賠償事故も保障します「一人暮らし特約なし」は、日常生活、正課の講義、インターンシップ中等における賠償事故を保障する保険です。
Personal Liability Insurance forStudents (Without special
clause for persons living alone)

19Hof special clause for death insurance payment exemption
Coverage for Disability*3 ☆☆Set
Set of special clause for compensation for natural disaster risk

Without special clause for persons living alone is insurance cover for compensated accidents
that may occur during daily life, regular classes or internships, etc.
■ Insurance coverage limit / insurance★傷害見舞費用補償特約☆被保険者の範囲に関する特約（傷害見舞費用補償特約用）セット

事故により他人にケガを負わせた場合、損害賠償金を支払うことなく、保険会社の同意を得て慣習として支払った費用（弔慰金、入院見舞金等の費用および見舞品の購入費用）を負担した場合を保障

実験・実習中に発生した加害事故による損害賠
償金や、医療実習中に発生した事故による院内感染の予防措置・治療の費用を保障します

自転車乗車中に他人をケガさせたり他人の財物を壊した場合など、
1事故最高3億円まで保障します★Special clause for compensation for condolence gifts to injured parties☆Set of special clause relating to the scope of the insured (for special clause forcompensation for condolence gifts to injured parties)

Coverage for costs incurred if someone is injured in an accident you cause and a voluntary payment is made following
social custom , instead of paying money on a liability claim, with the consent of the insurance company (cost of
condolence money, and sympathy money on hospital visit, and sympathy gift).

傷害見舞費用保障

Point 3

In case you cause an
accident involving
another person while

This covers liability for cases where you cause
another person injury while riding a bicycle or you
damage another person's belongings.

Coverage for Condolence forCompensation Gifts to Injured Parties

Annual up to a limit of

5 Million Yen

年間最高 500万円まで

19H

Annual up to a limit of

5 Million Yen

年間最高 500万円まで

While riding a bicycle, collided with a pedestrian who fell and fractured their thigh bone.
(second year university student, female)
自転車にて走行中、歩行者と接触し転倒させた結果、大腿骨骨折を負わせた。
（大学 2 年生 女性）

Insurance payout 4,955,810 Yen
支払保険金 4,955,810円

日常生活における事故例

Slipped and fell on ice in the winter in front of aconvenience store and damaged a window panewith my elbow. (first year university student,
male)
冬季に、コンビニ前に張っていた氷に足を滑らせて転倒し、ひじがウインドウガラス
にあたり、破損させた。(大学 1 年生 男性 )Insurance payout 382,310 Yen
支払保険金 382,310円

6Personal Liability Insurance
for Students (=GAKUBAI)

Personliving alone
Dormitory resident
一人暮らし
寮生の方

(With special clause for persons living alone)(Coverage for house ﬁres, etc.)

学生賠償責任保険

19HK（一人暮らし特約あり）（住まいの火災などの保障）
19HK

Special clausefor persons
living alone
一人暮らし
特約（注）

Point 4•Students living or to live in apartments or dormitories, etc., who need insurance cover for living alone to protect against the risks involved intheir “residence”, etc. •The special clause for persons living alone covers in Japan only. • A “rental agreement” is required. • It is notpossible to subscribe only to the special clause for persons living alone.

●アパート、寮などにお住まい（予定）で、「お住まい」等を取り巻くリスクに備える一人暮らしのための保障が必要な方 ●一人暮らし特約は国内のみの保障です。 ●「賃貸借契約」があることが必要です。 ●一人暮らし特約のみの加入はできません。
The contents of this pamphlet are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。

Point 519HK

Special clausefor persons
living alone
一人暮らし
特約（注）

Special clausefor persons
living alone
一人暮らし
特約（注）

Point 619HK

Coverage for theft*5★Special clause (for University Co-ops) for
compensation for Private Property for Daily Life in
Housing☆Set of special clause for insurance coverage of
special clause for compensation for Private
Property for Daily Life in Housing (for University
Co-ops) and changes in the upper limits of thedamages payment amount

Coverage for theft of household goods /bicyclesCoverage for damage of theft of household goods or bicycle from rented house(including residential premises)

家財・自転車盗難保障

住宅（敷地を含む）内の家財や自転車が盗まれた場合の損害を保障

19HK

Up to a limit of
500,000 Yen per one accident
1事故最高 50万円まで

19HK

Coverage for theft of cash

盗難保障※5★住宅内生活用動産補償（大学生協用）特約☆住宅内生活用動産補償（大学生協用）
特約の保険の対象および損害額の上限変更に関する特約セット

Coverage for theft of cash.etc. from rented housing (including residential premises)

現金盗難保障住宅（敷地を含む）内において現金などが盗まれた場合を保障

Up to a limit of 100,000 Yen
per one premises1敷地内につき 10万円まで

Coverage for repair costs of rented
housing

10 million yen

Up to a limit of
per one accident for tenant liability

coverage.

Tenant liability coverage includes compensatedaccidents caused by water leakage, etc. toindividual rented housing (includes
out-of-court settlement mediation services)

Coverage for household goods, and coverage fortheft of household goods covers damage to household
goods due to fire and water, as well as coverage for thetheft of household goods, cash or bicycle, etc.
家財保障、盗難保障では火災や水ぬれによる家財の損害、家財や現金・自転車等の盗難にも対応します

借家人賠償責任保障は水もれ等による、借用住宅への賠償事故を保障します（示談交渉サービス付）

借家人賠償責任保障は
１事故最高1,000万円まで保障します

Coverage for repair costs★Special clause (for University Co-ops) for
compensation for Rented Housing Repair Cost

修理費用保障★借用住宅修理費用補償 (大学生協用)
特約※“With special clause for Persons Living Alone”, covers damage to rented housing and theft of household goods, as well as includes the guarantees on p.5 and p.6 (19H).

借用住宅修理費用保障

盗難に遭い窓ガラスや鍵を壊され、修理代を負担しなければならない場合などを保障
家具移動や搬出搬入または盗難における借用住宅内の損傷や投石などによる窓ガラスの破損等を保障■ Insurance coverage limit /水道管修理費用保障■支払限度額・保険金額と保険料

Coverage for tenant liability*4★Special clause for compensation for Tenant Liability(all risk)☆Set of special clause for resolution of compensatedaccidents

借家人賠償責任保障※4★借家人賠償責任補償（オールリスク）特約☆賠償事故の解決に関する特約セット

学生賠償責任保険
19HK(With special clause for persons living alone）

Insurance premium for one year
If you make your payment by April 29, 2021:（一人暮らし特約あり）

1年間の保険料

2021年4月29日までに払込んだ場合Coverage for tenant liability*4
Coverage of legally required compensatory liability to the lessor (landlord) if theirrented housing is damaged due to the negligence of the insured.

借家人賠償責任保障※4

被保険者の過失により、借用住宅が損壊し、貸主（大家）に対する法律上の賠償責任を負った場合を保障

Coverage for household goods
Coverage for damage caused by fire or water, etc. to household goods in the rented
house (including within in the residential premises).

19HK

火災・水ぬれなどによる住宅（敷地内を含む）内の家財の損害を保障

家財保障

破損・汚損保障★住宅内生活用動産補償（大学生協用）特約☆住宅内生活用動産補償（大学生協用）
特約の保険の対象および損害額の上限変更に関する特約セット

Coverage for damaged or soiled
household goods

Coverage for damaged or soiled household goods in the insure’s rented house(including the residential premises) due to a sudden and unexpected accident.

Coverage for temporary expenses arising from damage incurred with household
goods in rented house (including residential premises), including theft.

臨時費用

住宅（敷地を含む）内の家財に損害を被ったときに生じる臨時費用を保障 ※盗難も対象

Up to a limit of

10 Million Yen

Includes out-of-court settlement
mediation services

1事故最高 1,000万円まで（示談交渉サービス付）

19HK

Up to a limit of
2 Million Yen
per one accident

1事故最高 200万円まで

19HK

Up to a limit of
500,000 Yen per one accident(Deductible: 10,000 Yen)

1事故最高 50万円まで

不測かつ突発的な事故で被保険者の住宅（敷地を含む）内の家財などが破損・汚損した場合を保障

Temporary expenses

8,500円

per one accident

Coverage for household goods 家財保障

★Special clause (for University Co-ops) for
compensation for Private Property for Daily Life in
Housing☆Set of special clause for insurance coverage of
special clause (for University Co-ops) for
compensation for Private Property for Daily Life in
Housing and changes in the upper limits of thedamages payment amount

8,500 Yen

（免責金額1万円）

19HK

10% of compensation
insurance payment(Maximum amount of up to 200,000 Yen per one accident
per one residence area.)

損害保険金の 10%（1事故1敷地内ごとに最高20万円まで）

Up to a limit of
150,000 Yen
per one accident
1事故最高 15万円まで

Coverage for repair of water pipes※「一人暮らし特約あり」は、借用住宅の損害や家財・盗難にも対応し、さらに P.5〜6の保障（19H）がすべて含まれます。

insurance amount andinsurance premium

7

Coverage for broken window panes or keys caused by a theft if the insured is required
to pay for the repair costs.
Coverage for damage to rented housing caused by the moving, loading/ unloading of
furniture or burglary, or the breakage of windows by thrown stones, etc.

Coverage for repair costs of bursting of water pipes caused by frozen, etc. in rented
housing

Personal Liability Insurance forStudents (= GAKUBAI)

19HK

19HK

Up to a limit of 100,000 Yen
per one accident per one residence area

借用住宅の水道管の凍結による破裂などの修理費用を保障

Coverage for emergency travel
costs for insured’s parents torush to the aid of the insured★Special clause for compensation for Rescuers’
Expenses (Hospitalization Comprehensive Type)☆Set of special clause for compensation for Illness(Special clause for Compensation for Rescuers’
Expenses (Hospitalization Comprehensive type))

父母駆けつけ費用保障★救援者費用等補償（入院ワイド型）特約☆疾病補償特約（救援者費用等補償（入院ワイド型）特約用）セット

Coverage for emergency travel costs for
insured’s parents to rush to the aid of
the insured (rescuer’s expenses)
Coverage for travel, accommodation, etc. incurred by the insured’s parents in going to the aid of theinsured, in the event that the insured has been hospitalized for three days or more due to disease or
injury, or due to an accident it cannot be confirmed whether the insured will survive or not.

父母駆けつけ費用保障（救援者費用）

ケガや病気のため、3日以上入院した場合や、事故により生死が確認できない場合等に、親族が現地に駆けつけるために支出した交通費・宿泊費等を保障

1事故1敷地内ごとに最高 10万円まで

19HK

Up to a limit of

100,000 Yen

10万円まで*4 Insurance payment cannot be made in the following cases. (For details, please see page 24–25.).
●Damage caused by defects, corrosion, rust, mold, or any natural wear and tear ●Damage resulting from earthquakes, volcanic eruptions, or tsunami*5 Insurance payment cannot be made for loss due to theft outside of the insured’s house (including residential premises) including having one’s wallet stolen while commuting to school.
※4 下記のような場合保険金はお支払いできません。
（詳細は、P.24〜25をご参照ください。）●欠陥、腐食、さび、かび、その他自然消耗などを原因とする損害 ●地震・噴火・津波による損害※5 通学途上で財布を盗まれたような住宅（敷地を含む）外での盗難事故などはお支払いできません。
Please note: Special clause for Persons Living Alone refers to such as special clause for compensation for tenant liability (all risk) for the resolution of compensated accidents, the special clause (for university co-ops) for compensation for rented
housing repair cost, the special clause for insurance coverage of special clause for compensation for private property for daily life in housing (for university co-ops) and changes in the upper limits of the damages amount, and thespecial clause for compensation for illness (special clause for compensation for rescuers’ expenses (hospitalization comprehensive type)).
（注）「一人暮らし特約」とは、賠償事故の解決に関する特約付借家人賠償責任補償（オールリスク）特約、借用住宅修理費用補償（大学生協用）特約、住宅内
生活用動産補償 ( 大学生協用 ) 特約の保険の対象および損害額の上限変更に関する特約、疾病補償特約（救援者費用等補償（入院ワイド型）特約用）
等を指します。

Pre-matriculation
fire insurance
入学前火災保障について

Limited to the new policies for Personal Liability Insurance for Students (With special clause for persons living alone) of new entrants (including transfer students and graduate students),
the insurance covers damages incurred due to the bearing of legal liability for an accident arising from a rented room and during the pre-matriculation fire insurance period. (See page 42.)
新入生（編入学・院入学を含む）が学生賠償責任保険（一人暮らし特約あり）に新規加入した場合に限り、入学前火災保障期間に発生した借用住宅に起因する事故によって法律上の賠償責任を負担することによって被る損害を保障します。（P.42参照）

Includes out-of-court settlement mediation services 示談交渉サービス付 19H(This service is available for liability from compensated accidents in Japan only.)（国内での賠償事故） 19HK
For details, please refer to the middle part of page 6.
詳しくはP.6中段をご覧ください。

8Summary of the Coverage
保障のあらましLife Mutual Insurance

Cases in which Mutual Insurance will
be paid
共済金をお支払いする場合

生命共済

1 Details of Coverage 保障内容
Cases in which Mutual Insurance will
be paid
共済金をお支払いする場合
When the hospitalization of the insured
has started during the period of insurance, due to the onset of an illness
occurring after the application date of anew policy.
Note: Hospitalization directly attributable to injury resulting from an unexpected accident*1 (hereinafter referred
to as “accident”) occurring on or after
the start of the period of insurance ofthe new policy will also be eligible for
insurance payment. Note that this applies only to hospitalization that begins
after 180 days of the occurrence of theaccident.

Illness
Hospitalization mutual
insurance payment

Mutual Insurance payment
お支払いする共済金
Payment will be [Illness Hospitalization
Insurance amount] x [number of daysof hospitalization during period of
insurance*2].
Note 1: Payment of Illness Hospitalization Insurance will be limited to theamount for 200 days per hospitalization*3. Note that, an hospitalizationthat begins after 160 days have passed
from the day following the date of final
discharge of the hospitalization being
covered by mutual insurance payment
will be regarded as a new hospitalization.
Note 2: Should the period of hospitalization overlap with a different illness,or a period of illness hospitalization
overlap with a period of accident hospitalization, mutual aid cannot be paidin duplicate for that period.

病気
入院保障
共済金

When hospitalization directly due toinjuries sustained by the insured in an
accident*1 that occurs during the period of insurance begins within 180 daysof the accident.

Main cases in which Mutual
Insurance cannot be paid
共済金をお支払いできない主な場合•Hospitalization not covered by medical treatment benefits or medical
expenses under the public medical
insurance system.
•Hospitalization occurring outside
the period of insurance, or outpatient
treatment for illness.
•Hospitalization due to an illness
whose onset or notification occurred
before the application date of a newpolicy. (Note that this does not include
hospitalization beginning one year orlater after the application date of the
new policy.)•Hospitalization resulting from theintentional actions of the policyholder
or the insured.
•The insured’s deliberate intention,
gross negligence, criminal action,suicide.
•Conditions for which there are no
medical objective findings, such as
cervical syndrome (so-called “whiplash”), lower-back pain, or backaches,regardless of the cause.

9•Outpatient treatment not covered by
medical treatment benefits or medical
expenses under the public medical insurance system. (e.g., counselling,etc., not covered by medical treatment
benefits or medical expenses under
the public medical insurance system.)

Injury

ケガ
入院保障
共済金

Main cases in which Mutual
Insurance cannot be paid
共済金をお支払いできない主な場合•Hospitalization not covered by medical treatment benefits or medical
expenses under the public medical
insurance system.
•Hospitalization due to an accident*1
that occurred outside the period of
mutual insurance.
•Hospitalization resulting from theintentional actions of the policyholder
or the insured.
•The insured’s gross negligence,criminal action, suicide, personal strife,
driving without a license or without
qualifications, while under the influenceof alcohol or drugs, or due to violationof speed limits, ignoring traffic lights, orentering a blocked railroad crossing.
•Conditions for which there are no
medical objective findings, such as
cervical syndrome (so-called “whiplash”), lower-back pain, or backaches,regardless of the cause.

被共済者が、共済期間中に発生した事故（＊１） ［事故入院保障共済金額］
×［共済期間中 ●公的医療保険制度における療養の給付または療養費の対象とならない入院。
による傷害を直接の原因として、事故日か の入院日数（＊２）］をお支払いします。
（＊１）
ら180日以内に入院を開始した場合。
による（注１）事 故入院保障共済金の支払いは、 ●共済期間外に発生した事故（＊４）
入院。
１回 の 入 院
につき200日 分を●契約者または被共済者の故意。
もって限度とします。
（注２）異なる事故により入院期間が重複 ●被共済者の重大な過失、犯罪行為、自殺行為、私闘、無免許、無資格運転、酒する場合および事故による入院期
気帯びもしくは薬物依存等による運転、間と病気による入院期間が重複す
最高速度違反、運転中の信号無視、おる場合、その期間については重複しよびしゃ断中踏切内進入により生じたて共済金をお支払いしません。
もの。
●原因を問わず、頸部症候群（いわゆる「むちうち症」）または腰痛、背痛等で医学的他覚所見のないもの。

InjuryOutpatient treatment
insurance payment
ケガ
通院保障
共済金

●公的医療保険制度における療養の給付または療養費の対象とならない通院。
（例：公的医療保険制度における療養の給付または療養費の対象とならない
カウンセリング等）。

Payment will be [Accident Hospitalization Insurance amount] x [number ofdays of hospitalization during period of
insurance*2].
Note 1: Payment of Accident Hospitalization Insurance will be limited to theamount for 200 days per hospitalization*4.
Note 2: Should the period of hospitalization overlap with a different accident,
or a period of accident hospitalization
overlap with a period of illness hospitalization, mutual aid cannot be paid in
duplicate for that period.

Hospitalization mutual
insurance payment

被共済者が、新規契約の申込日後に発病 ［病気入院保障共済金額］
×［共済期間中 ●公的医療保険制度における療養の給付または療養費の対象とならない入院。
した病気を原因として共済期間中に入院 の入院日数（＊２）］をお支払いします。
を開始した場合。
（注１）病 気入院保障共済金の支払いは、 ●共済期間外の入院および病気による通院。
（注）新 規契約の共済期間開始日以後に１回 の 入 院（＊３）につき200日 分を（以下「事故」発生した不慮の事故（＊１）
もって限度とします。ただし、この共 ●新規契約の申込日以前に発病していた
病気、告知を行っていた病気を原因とすといいます。）による傷害を直接の原済金が支払われる最終の入院の退る入院。
因とする入院も、この共済金での支院日の翌日から160日経過した後払い対象となります。ただし、その事に開始した入院については新たな （ただし、新規契約の申込日から1年を経過した日以後の入院は除きます）。
故日から180日を経過した日以後に入院とみなします。
開始した入院に限ります。
（注２）異なる病気により入院期間が重複 ●契約者または被共済者の故意。
する場合および病気による入院期 ●被共済者の重大な過失、犯罪行為、自殺行為。
間と事故による入院期間が重複する場合、その期間については重複し ●原因を問わず、頸部症候群（いわゆる「むちうち症」）または腰痛、背痛等で医て共済金をお支払いしません。
学的他覚所見のないもの。
When the insured is hospitalized during Mutual insurance for pro-active mental
the period of insurance or visits an health treatment will be paid.
outpatient clinic for the purposes of Note: In cases where outpatient treattreating mental illness and receives the ment is received on multiple occasions
first psychiatric treatment covered by for the same mental illness or a differmedical treatment benefits or medical ent mental illness during the period of
expenses under a public medical insur- insurance, payment will be limited toance system.
once per mutual insurance period for
Note: Even if treatment is received for the first instance of treatment.
Mutual insurance payment the purposes of treating mental illness
before the date of application for a newfor pro-active mental
policy, insurance will be paid for treathealth treatment
ment for the same purpose occurring
during the period of insurance.
こころの早期対応保障
被共済者が、精神疾患の治療を目的と こころの早期対応保障共済金額をお支共済金
し、共済期間中に病院または診療所に通 払いします。
院し、公的医療保険制度における療養の （注）共 済期間中に同一の精神疾患また給付または療養費の対象となる精神科専
は異なる精神疾患の診療を通院で門療法の診療を初めて受けた場合。
複数回受けた場合、最初に受けた診（注）新 規契約の申込日以前に精神疾患療に対し１共済期間につき１回限りとの治療を目的として診療を受けた場します。
合でも、共済期間中における同一目的の診療はお支払いします。

Mutual Insurance payment
お支払いする共済金

When hospitalization or outpatient
treatment directly due to injuries sustained by the insured in an accident*1
that occurs during the period of insurance begins within 180 days of the accident.
Note: In cases where a physician has
given consent, out-patient for treatment by a qualified judo bonesetter
will be allowed, limited to dislocations
and fractures. Furthermore, outpatient
treatment for procedures by someone,such as an acupuncturist will be allowed, limited to cases in which a physician has given instructions.

Payment will be [Accident Outpatient
Treatment Insurance amount] x [number of days of outpatient treatment*5].
Note: Payment of Accident Outpatient
Treatment Insurance will be payable tothe amount for 360 days since the dayof the accident, and payable from thefirst day of treatment. Note that, a single instance of outpatient treatment
shall be limited to 90 days.

•Outpatient treatment not covered by
medical treatment benefits or medical
expenses under the public medical insurance system.
•Outpatient treatment occurring duringhospitalization already covered by Illness Hospitalization Insurance or Accident Outpatient Treatment Insurance.
•In addition, the details are the sameas the “Main cases in which Mutual Insurance cannot be paid” for hospitalization due to accident injury.

被共済者が、共済期間中に発生した事故（＊１） 事故通院保障共済金額］
×［通院日数（＊５）］
による傷害を直接の原因として、事故日 をお支払いします。
から180日以内に入院または通院を開始 （注）事 故通院保障共済金の支払いは、した場合。
事故日から360日以内の通院につ（注）脱臼、骨折については医師の同意がいて、1日目からお支払いします。た ●公的医療保険制度における療養の給ある場合、柔道整復師の施術を通院だし、１回 の 通 院につき90日 分を付または療養費の対象とならない通と認めます。また、医師の指示があもって限度とします。
院。
る場合に限り、鍼灸師等の施術を通●病気入院保障または事故入院保障の院と認めます。
対象となる入院中の通院。
●その他、事故入院保障の「共済金をお支払いできない主な場合」と同一内容です。

10Cases in which Mutual Insurance will
be paid
共済金をお支払いする場合

Specific disability fixation
device insurance payment
特定傷害
固定具
保障共済金

The insured suffers a bone fracture,joint dislocation, or complete ruptureof a tendon, ligament or meniscus as
the direct result of an accident (*1)
occurring during the mutual insurance
period, and is required to wear a fixation device for up to 180 days from thedate of the accident, during hospitalization or out-patient treatment, at the
instruction of a doctor. (However, cases
where the device is worn only duringhospitalization are excluded.)

Surgery insurance will be paid for one
surgical procedure.
Note 1: In the following cases, evenwhen multiple surgical procedures
have been undergone, they will bedeemed a single surgical procedure.
(1) Even if multiple procedures are
conducted, if the medical institution
approves them as a single (series) procedure, it will be deemed a single procedure.
(2) Multiple procedures conducted on
the same day.
Note 2: If the surgery is to be calculated every day or every month, insurance is only paid for the first day ofsurgery.

•Surgery not covered by the public
medical insurance system*6. (e.g.,cosmetic surgery, vision improvement
surgery, surgery for examination, etc.)•Medical examination of the typespecified in Article 61 of the ShortTerm Life Mutual Insurance Rules andRegulations, such as tooth extractions,dressing of wounds, skin incision surgery, debridement, etc.
•Surgery carried out during a period of
hospitalization in which Illness Hospitalization Insurance and Accident Hospitalization Insurance cannot be paid.

被共済者が、病気入院保障共済金、事故 手術１回につき手術保障共済金額をお支入院保障共済金および事故通院保障共 払いします。
済金の支払い対象となる入院または通院 （注１）次の場合は複数の手術を受けたと期間中かつ共済期間中に、その原因ときでも、１回の手術とみなします。
なった病気やケガの治療を直接の目的と①複 数回実施する手術を１回（一（＊６）
して、公的医療保険制度の対象 とな連）の手術として医療機関が算る手術を受けた場合。
定する場合。
②同日に複数の手術が実施された
場合。
（注２）手術料が１日または１ヶ月ごとに算定される手術を受けた場合、１日目の手術のみお支払いします。

●公的医療保険制度の対象（＊６）とならない手術。
（例：美容整形、視力回復術、検査のための手術等）●共済期間中の手術であっても、抜歯、創傷処理、皮膚切開術、デブリードマ
ンなど、短期生命共済事業規約第61条で規定する診療行為。
●病気入院保障共済金および事故入院保障共済金が支払われない入院期間中に行った手術。

When the insured has developed asevere disability during the period of
insurance and due to an illness conIllness
tracted after the day of application for
Severe disability insurance a new policy.
payment

11•Attachment of fixation devices notcovered by medical treatment benefits
or medical expenses under the public
medical insurance system.
•Complete tear of tendon, ligament or
meniscus caused by illness.
•Pathological bone fracture, idiopathic
bone fracture, dental fracture.
•Congenital dislocation, pathologicaldislocation, repetitive dislocation, dental dislocation or subluxation.
•In addition, the details are the sameas the “Main cases in which Mutual
Insurance cannot be paid” for hospitalization due to accident injury.
●公的医療保険制度における療養の給付または療養費の対象とならない固定具
装着。
●腱・じん帯・半月板の完全断裂のうち、病気を原因とするもの。
●病的骨折、特発骨折および歯牙の骨折。
●先天性脱臼、病的脱臼、反復性脱臼、歯牙の脱臼および亜脱臼。
●その他、事故入院保障の「共済金をお支払いできない主な場合」と同一内容です。

Surgery insurance
payment

病気
重度後遺
障がい保障
共済金

Specific Disability Fixations Device
Insurance.Payment will be made.
Note 1: Payment for the attachment offixations for the same accident*1 shallbe restricted to once for the whole
period of insurance.
Note 2: Treatment using internal orexternal fixation devices, such as
bandages, slings, poultices, adhesiveplaster, supporters or taping, etc.,
or the use of crutches, shall not be
included in the attachment of specificdisability fixations.

Main cases in which Mutual
Insurance cannot be paid
共済金をお支払いできない主な場合

被共済者が、共済期間中に発生した事故（＊１） 特定傷害固定具保障共済金額をお支払い
を直接の原因とする骨折、関節脱臼、腱・ します。
じん帯・半月板の完全断裂で、医師の指 （注１）同 一の事故（＊１）による固定具装着
示により、事故日から180日以内の入通に関する支払いは、全共済期間を通院中に固定具を装着した場合。
（ただし、じ、１回限りとします。
入院期間中のみ装着していた場合を除き （注２）包 帯、三 角 巾、湿 布、絆 創 膏、サます。）
ポーター、テーピング等による治療
および松葉杖の使用ならびに内固定および創外固定は、特定傷害固定具の装着には含めません。

Where the insured undergoes surgery
covered by the public medical insurance system*6 for the direct purposeof treating an illness or injury that is thecause of hospitalization or outpatient
treatment covered by Illness Hospitalization Insurance payment, Accident
Hospitalization Insurance payment or
Accident Outpatient Treatment Insurance payment during the period of
hospitalization or outpatient treatment,
and within the period of insurance.

手術保障
共済金

Mutual Insurance payment
お支払いする共済金

Payment will be [Illness Severe Disability Insurance amount] x [payment ratio(100% or 90%) stipulated for Grade 1
to Grade 3 as per Table 1 “Table ofpayment ratios for disabilities bygrade” of Short Term Life Insurance
Rules and Regulations].
Note 1: Any payments for Illness Severe Disability Insurance during theperiod of insurance will be limited to
the Illness Severe Disability Insurance
amount described in the Mutual Insurance Certificate.

•Where an illness severe disability has
occurred outside of the period of insurance.
•Severe disability due to an illness
whose onset or notification occurred
before the application date of a newpolicy. (Note that this does not include
illness serious disabilities occurring
one year or later after the application
date of the new policy.)•Severe disability resulting from the intentional actions of the policyholder orthe insured.

Cases in which Mutual Insurance will
be paid
共済金をお支払いする場合

Illness
Severe disability
insurance payment
病気
重度後遺
障がい保障
共済金

ケガ
後遺障がい
保障共済金

Note 2: If the insured was already suffering from a disability at the time thesubscription was made, and then suffers an aggravation of the disability inthe same part during the period of insurance, Illness Severe Disability Insurance payment will be made after theprescribed amount has been deducted.

•The insured’s gross negligence, criminal action, suicide, or personal strife.

Payment will be [Accident Disability Insurance amount] x [payment ratio(100% to 4%) stipulated for Grade 1 toGrade 14 as per Table 1 “Table of payment ratios for disabilities by grade” of
Short Term Life Insurance Rules andRegulations].
Note 1: Any payments for Accident
Disability Insurance during the period
of insurance will be limited to the Accident Disability Insurance amount described in the Mutual Insurance Certificate.
Note 2: If the insured was already suffering from a disability at the time thesubscription was made, and then suffers an aggravation of the disability inthe same part during the period of insurance, Accident Disability Insurance
payment will be made after the prescribed amount has been deducted.

•Disability resulting from an accident*1
occurring outside of the period of insurance.
•Disability resulting from the intentional actions of the policyholder or the insured.
•The insured’s gross negligence, criminal action, suicide, personal strife,
driving without a license or without
qualifications, while under the influence of alcohol or drugs, or due to violation of speed limits, ignoring traffic
lights, or entering a blocked railroad
crossing and so on.

被共済者が、共済期間中に発生した事故
による傷害を直接の原因として、事故●共済期間外に発生した事故（＊１）による日から360日以内に後遺障がいとなった後遺障がい。
場合。
●契約者または被共済者の故意。
（注）事故日から360日を超えてもなお治●被共済者の重大な過失、犯罪行為、自療が 必要な場合には、事故日から ［事故後遺障がい保障共済金額］
殺行為、私闘、無免許、無資格運転、×［短期
361日目における医師の診断にもと 生命共済事業規約に定める別表第１
酒気帯びもしくは薬物依存等による運「後づき後遺障がいの程度を認定して 遺障がい等級別支払割合表」の第１級か転、最高速度違反、運転中の信号無
お支払いします。
視、およびしゃ断中踏切内進入によりら第１４級に定める割合（100％～4％）］
生じたもの等。
をお支払います。
（注１）共 済期間中の事故後遺障がい保障共済金の支払いは、共済証書記
載の後遺障がい共済金額をもって限度とします。
（注２）ご契約時にすでに後遺障がいがある被共済者が共済期間中に同一部位に後遺障がいを加重した場
合、事故後遺障がい保障共済金額から所定の金額を差し引いてお支払いします。
（＊１）

InjuryMain cases in which Mutual
Insurance cannot be paid
共済金をお支払いできない主な場合●共済期間外に生じた病気重度後遺障が被共済者が、新規契約の申込日後に発病 ［病気重度後遺障がい保障共済金額］×い。
した病気を原因として共済期間中に重度 ［短期生命共済事業規約に定める別表第１ ●新規契約の申込日以前に発病していた
後遺障がいとなった場合。
「後遺障がい等級別支払割合表」の第１級
病気、告知を行っていた病気を原因とすから第３級に定める割 合（100％またはる重度後遺障がい（ただし、新規契約
90％）］をお支払いします。
申込日から1年経過した日以後の病気（注１）共済期間中の病気重度後遺障がい
重度後遺障がいは除きます）。
保障共済金の支払いは、共済証書 ●契約者または被共済者の故意。
記載の病気重度後遺障がい保障共 ●被共済者の重大な過失、犯罪行為、自済金額をもって限度とします。
殺行為、私闘。
（注２）ご 契約時にすでに後遺障がいがある被共済者が共済期間中に同一部位に後遺障がいを加重した場合、病気重度後遺障がい保障共済金額から所定の金額を差し引いてお支払いします。
Where the insured has suffered, withina period of 360 days of an accident, adisability directly due to an injury suffered in said accident *1 that has occurred within the period of insurance.
Note: If treatment is still required evenmore than 360 days after the accident,
based on a physician’s examination on
the 361st day after the accident, insurance will be paid once the degree of
disability has been confirmed.

Disability insurance
payment

Mutual Insurance payment
お支払いする共済金

12

Note
*1: “Unexpected accident” refers to an accident due to a sudden and incidental cause, or an infectious disease as stipulated in Article 6, Paragraphs 2, 3
(excluding item 2) and 4 of the “Act on Prevention of Infectious Diseases and the Medical Care of Infectious Patients.”*2: “number of days of hospitalization” is the number of days from admission to the day of physician-approved discharge.
*3: Under “Illness Hospitalization Insurance”, two or more hospitalizations for different illnesses will still be counted as “one hospitalization”, regardless ofthe cause of hospitalization in each case.
*4: Under “Accident Hospitalization Insurance”, two or more hospitalizations for injuries from the same accident will still be counted as “one hospitalization”, if they are within the payment time limit (200 days).
*5: “number of days of outpatient treatment” is the number of days up until the physician certifies that there is no longer any need to visit the hospital. Also,
multiple visits to hospital in the same day, or treatment by multiple physicians during hospital visits, will be counted as one day of outpatient treatment.
*6: “surgery covered by the public medical insurance system” refers to medical treatment listed as elements for calculation of surgery fees and radiation
treatment fees in the medical treatment payment schedule, bone marrow stem cell harvesting and bone marrow transplant surgery, etc., listed as elements
for calculation of radiation treatment fees. Details of the kinds of surgery covered under Surgery Insurance are set out in the Short Term Life Mutual Insurance Rules and Regulations*For explanations of “policyholder”, “insured” and “benefactor” please refer to “Explanation of Important Matters in the Student Comprehensive Mutual Insurance”.

注記＊１「不慮の事故」とは、急激かつ偶然な外因による事故、および「感染症の予防および感染症の患者に対する医療に関する法律」第６条第２項、第３項（第2号を除きます）および第4項に定める感染症をいいます。
＊２「入院日数」とは、入院した日から医師が認定した退院日までとします。
＊３「病気入院保障」では、異なる病気で２回以上入院しても、それぞれの入院の原因の如何を問わず、「１回の入院」とみなします。
＊４「事故入院保障」では、同一の事故による傷害で２回以上入院しても、支払限度日数（200日）以内であれば、「１回の入院」とみなします。
＊５「通院日数」とは、医師が通院しなくてもさしつかえないと認定したときまでとします。なお、同一の日に複数回の通院、または通院において複数の医師の治療を受けた場合、通院日数は１日とします。
＊６「公的医療保険制度の対象となる手術」は、医療診療報酬点数表に手術料および放射線治療料の算定対象として列挙されている診療行為や輸血料の算定対象として列挙されている骨髄幹細胞の採取または骨髄移植術などをいいます。なお、手術保障の対象となる手術の詳細については短期生命共済事業規約に定めています。

3 Continuation of policy
If no request to cease continuation of the policy, or a request to alter the subscription details, is received by two months before the day after (hereinafterreferred to as “the Continuation Date”) of the termination date of the period of insurance, this will be deemed as an application to continue to the “terminating policy” with the same conditions, and the policy will be continued until the scheduled date of graduation.Further, with regard to pamphlets from next
year onwards, a 2D bar code will be printed on the annual guide, which you can use to download the pamphlet in PDF format.

3 契約の継続

共済期間・保険期間の満了日の翌日（以下「継続日」といいます。）の前々月までに契約の継続停止やご加入内容の変更を申し出ない限り、「満了する契約」と同一内容の継続契約の申込みがあったとみなし、卒業予定年まで契約の継続が行われます。なお、次年度以降のパンフレットについては、毎年継続のご案内の書面に２次
元バーコードを掲載し、PDF方式にてご覧いただく提供方法とします。

4 Contents of insurance (Disability due to injury)◆ Cases in which insurance payment will be paid - Amount of insurance to be paid

4 保障内容（ケガによる後遺障がい）◆保険金をお支払いする場合・保険金のお支払額
Type of insurance payment
保険金の種類※「契約者」「、被共済者」「、扶養者」の解説は、学生総合共済の「重要事項説明書」をご参照ください。

Stalking Damages Scheme

ストーカー被害見舞金制度について

The “Stalking Damages Scheme” provides for payment of “Stalker Damages” in order to help prevent (the exacerbation of) harm in the event that the insured under a Short Term Mutual Life Insurance policy is the victim of stalking, as defined in the Anti-Stalking Act and the University Co-operatives Mutual
Aid Federation’s (UCMAF) “Stalking Damages Scheme Rules and Regulations”. For details, please refer to the “Stalking Damages Scheme Rules and Regulations page at the UCMAF website.
「ストーカー被害見舞金制度」とは、短期生命共済の契約で被共済者となっている方が、「ストーカー行為等の規制等に関する法律」や大学生協共済連の「ストーカー
被害見舞金規則」に定めるストーカー行為の対象となった場合に、被害（の拡大）を防ぐ一助としていただくための「ストーカー被害見舞金」を支払う制度です。詳し
くは大学生協共済連のWebサイト掲載の「ストーカー被害見舞金規則」をご覧ください。

Summary of the Coverage
制度のあらましPersonal Liability Insurance for Students
学生賠償責任保険

Comprehensive Insurance for stundents / Children, Facility /Product Liability Insurance
学生・こども総合保険、施設・生産物賠償責任保険

The contents of this pamphlet are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。
For an explanation of terms marked with ※, see “Explanation of terms marked with ※” on P.27–28 (Only the first instance of each column is marked with ※)※印を付した用語については、P.27〜28の〈※印の用語のご説明〉をご覧ください。
（各欄の初出時のみ※印を付しています。）

1 Persons eligible to become applicants – subscribers (insured)

Eligibility for insurance (to become the insured*) under this scheme is limited to members of those university co-operatives which belong to the University
Co-operatives Mutual Aid Federation, and who will be younger than 23 years, or who will be students of an educational institution (university or vocational
school, etc.) as stipulated in the School Education Act (including those who have completed enrollment procedures and become co-operative members),on the expiration date of the insurance period.
*The person who is identified as the insured in the subscription application form.

1 申込人・ご加入者（被保険者）となれる方

この制度で被保険者（補償の対象者）本人（＊）となれる方の範囲は、全国大学生協共済生活協同組合連合会の会員である大学生協の組合員であり、保険期間の末日において満２３歳未満の方または学校教育法に定める学校（大学・専門学校等）の学生（入学等手続を終え、組合員となられた方を含みます。）に限ります。
（＊）加入申込書の被保険者ご本人欄に記載の方をいいます。

2 Insurance period
Students who have applied for the insurance (and paid the insurance premium) by March 31, 2021, the period of insurance shall be from 0:00 hours (16:00
hours for subscription continuations) on April 1, 2021, till 16:00 hours of April 1, on 2022. In the event of a mid-term subscription, the period of insurance
shall be from 0:00 hours of the day following the day the insurance premium was paid till 16:00 hours of April 1, on 2022.

2 保険期間Injuryinsurance
payment

Disability
insurance
payment

傷害
保険金

後遺障がい
保険金

Cases in which insurance
payment will be paid
保険金をお支払いする場合

Amount of insurance to be paid
保険金のお支払額

Disability Insurance amount × prescribed insurance payment ratio in the policy (4%to 100%)Note 1: Disability Insurance payment will be paid according to the insurance payment ratios stipulated for each category, in accordance with the government’s labor insurance scheme.
Note 2: If the insured is still in a condition requiring medical treatment※ over 180
days from, and including, the date of the accident, the underwriting insurance company will pay disability insurance payment after having confirmed the degree of severity of the disability, based on the diagnosis ofa physician※ on the 181st day after, and including, the day of the accident.
Note 3: If the insured suffers an aggravation of the disability in the same part, insurance will be paid after the prescribed amount of insurance paid forthe original disability has been deducted.
Note 4: If Disability Insurance payment has already been paid, the payment amountin this instance will be limited to the remainder due once the previous
Disability Insurance payment amount has been deducted from the DisWhere a disability※ hasability Insurance amount. Also, Disability Insurance payments madeoccurred as a result ofacross the entire period of insurance will be limited to the Disability Ininjury※ sustained in ansurance amount. For insurance policies whose period of insurance exaccident during theceeds one year, if there has already been payment of Disability Insurance
period of insurance,with respect to injury※ sustained in an accident occurring within thewithin 180 days (includsame insurance year※ as the insurance year in which the accident ining the day of thequestion has occurred, payment will be limited to the remainder due
accident).
once the previous Disability Insurance payment amount has been deducted from the Disability Insurance amount. Also, the Disability Insurance payment payable in one insurance year is limited to the Disability
保険期間中の事故による
Insurance amount.
ケガ※のため、事故の発生の日からその日を含めて180日以内に後遺障がい※ 後遺障がい保険金額 × 約款所定の保険金支払割合（４％～１００％）が発生した場合（注１）政府労災保険に準じた等級区分ごとに定められた保険金支払割合
で、後遺障がい保険金をお支払いします。
（注２）被保険者が事故の発生の日からその日を含めて１８０日を超えてなお治療※を要する状態にある場合は、引受保険会社は、事故の発生の日からその日を含めて１８１日目における医師※の診断に基づき後遺障がい※の程度を認定して、後遺障がい保険金をお支払いします。
（注３）同一の部位に後遺障がいを加重された場合は、既にあった後遺障がいに対する保険金支払割合を控除して、保険金をお支払いします。
（注４）既にお支払いした後遺障がい保険金がある場合は、後遺障がい保険金額から既にお支払いした後遺障がい保険金の額を差し引いた額が限度となります。また、保険期間を通じてお支払いする後遺障がい保険金は、後遺障がい保険金額が限度となります。
保険期間が１年を超える保険契約においては、その事故の発生した保険年度※と同一の保険年度に発生した事故によるケガ※に対して既にお支払いした後遺障がい保険金がある場合は、後遺障がい保険
金額から既にお支払いした後遺障がい保険金の額を差し引いた額が限度となります。また、それぞれの保険年度ごとにお支払いする後
遺障がい保険金は、後遺障がい保険金額が限度となります。

Disability Insurance
amount
後遺障がい保険金額（注）¥100,000
10万円

Note: Because there is a special clause for death insurance payment exemption in disability insurance payment, there is no death insurance payment. The disability insurance amount is formally called the death and disability insurance amount, but for convenience it is referred to as the disability insurance amount inthis insurance.
（注）この後遺障がい保険金には死亡保険金対象外特約がセットされるため死亡保険金はありません。後遺障がい保険金額は正式には死亡・後遺障害保険金額といいますが、この保険では便宜的に後遺障がい保険金額としています。

2021年3月31日までに加入申込み（保険料払込み）された場合は、2021年4月1日午前0時（継続加入の方は午後4時）から2022年4月1日午後4時までとなります。中途加入される場合、保険料払込日の翌日午前0時から2022年4月1日午後4時までとなります。

1314◆ Main cases in which insurance payment will not be paid

Type of insurance payment
保険金の種類◆保険金をお支払いしない主な場合
Type of insurance payment
保険金の種類Injuryinsurance
payment
傷害
保険金

Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合•Injury※ resulting from the intentional action or gross negligence of the policyholder, the insured or a parent or guardian of
the insured, or the recipient of insurance payment. •Injury resulting from personal altercation, suicide, or criminal action.
•Injury resulting from driving an automobile※ or similar without a license or without qualifications, or while under the influence※ of alcohol or drugs. •Injury resulting from brain disorder, illness, or insanity. •Injury resulting from pregnancy,
childbirth, premature birth or miscarriage. •Injuries due to surgical procedures or other medical treatment other than thetreatment of injuries for which the underwriting insurance company should pay insurance payment※ •Injury resulting fromwar, other forms of civil strife※ or riots (injuries resulting from terrorist acts may be covered by a partial amendment special clause relating to the exemption from war risk, etc., with conditions). •Injury resulting from the radiation, explosion,etc., of nuclear fuel materials or similar. •Injury resulting from conditions for which there are no medical objective findings※, such as cervical syndrome※, lower-back pain, or backaches, no matter the cause. •Drowning while bathing※
Disability(however, an insurance payment will be paid if it is judged that this is caused by an injury for which the underwriting ininsurance
surance company should pay insurance payment). •Pneumonia resulting from aspiration (mis-swallowing)※, no matter
payment
the cause. •Injury sustained during the course of “Sporting activities, etc., not compensated by insurance” described
elsewhere. •Injury sustained during the course of sporting contests※ and the like using vehicles※. Note: Bacterial food
後遺障がいpoisoning and viral food poisoning are not compensated by insurance.
保険金●保険契約者、被保険者、被保険者の親権者・後見人または保険金を受け取るべき方の故意または重大な過失によるケガ※●闘争行為、自殺行為または犯罪行為によるケガ●自動車等※の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中のケガ●脳疾患、病気または心神喪失によるケガ●妊娠、出産、早産または流産によるケガ●引受保険会社が保険金を支払うべ
きケガの治療※以外の外科的手術その他の医療処置によるケガ●戦争、その他の変乱※、暴動によるケガ（テロ行為によるケガ
は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●核燃料物質等の放射性・爆発性等によるケガ●原因がいかなるときでも、頸（けい）部症候群※、腰痛その他の症状を訴えている場合に、それを裏付けるに足りる医学的他覚所見のないもの※●入浴中の溺水※（ただし、引受保険会社が保険金を支払うべきケガによって発生した場合には、保険金をお支払いします。）●原因がいかなるときでも、誤嚥（えん）※によって発生した肺炎●別記の「補償対象外となる運動等」を行っている間のケガ●乗用具※を用いて競技等※をしている間のケガ
など（注）細菌性食中毒およびウイルス性中毒は、補償の対象にはなりません。

Daily life personal liability in- When another person’s life or body has been harmed due to any of the accidents described above, and there is a legal
surance payment (extraordi- obligation to bear the costs of damages, and the victim belongs to any of the following categories.
(1) a person who has died as a direct result of the accident.
nary expenses)★Special clause for daily life (2) a person who has been hospitalized※ for 20 days or longer at a hospital or clinic, as a direct result of the accident.
personal liability compen- Note: Only the insured student can be “the insured”. Further, where the student is a person without capacity to assume liability, a person with parental authority, other statutory supervisor or person responsible for supervising the person incasation☆Set of special clause relat- pable of responsibility on behalf of the statutory supervisor (limited to a blood relative within six degrees, a spouse or an
ing to partial changes of in-law within three degrees) will be considered the insured.
special clause for daily life
personal liability compen- 上記の事故により、他人の生命または身体を害し、法律上の損害賠償責任を負担する場合であって、被害者が次のいずれかに該
sation (for university co-op) 当したとき。
☆S et of student only com- ①事故の直接の結果として死亡した場合※
pensation special clause ②事故の直接の結果として病院または診療所に２０日以上入院 した場合
(for daily life personal liabili- （注）被保険者の範囲は、本人のみとなります。なお、本人が責任無能力者である場合は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保
ty compensation)
険者とします。
日常生活個人賠償責任保険金（臨時費用）★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生協用）セット☆本人のみ補償特約（日常生活個
人賠償責任補償特約用）セット(2) Compensated accidents occurring during regular classes, etc. (infringement of personal rights) and expenses damages (expenses occurred in infection prevention)（2）正課の講義等における賠償事故（人格権侵害）
・費用損害（感染事故損害防止費用）

5 Insurance cover (liability)

Type of insurance payment
保険金の種類(1) Compensated accidents in daily life (including regular classes) (excluding the examples of (2), below)

Personal rights infringement
When the insured is legally liable for damages resulting from any of the inappropriate actions described below during regular classes, etc.
liability insurance payment(a) Infringement of freedom due to unreasonable detention, or defamation★Facility owner (manager)
liability insurance / Product (b) Defamation or infringement of privacy through oral, written, graphic, imaging or other similar means of display.
Note: The scope of the insured is limited to the subscriber.
liability insurance + a
special clause for student
正課の講義等において次のいずれかに該当する不当な行為により被保険者が法律上の損害賠償責任を負担した場合
liability compensation（a）不当な身体の拘束による自由の侵害または名誉毀（き）損◆Cases in which insurance will be paid

5 保障内容（賠償責任）◆保険金をお支払いする場合（1）日常生活（正課の講義等◎を含む）における賠償事故（以下の（2）の場合を除く）
Type of insurance payment
保険金の種類

Cases in which insurance payment will be paid
保険金をお支払いする場合

Where there is a legal liability for damages due to any of the following, occurring within Japan or overseas.
(1) The life or limb of another person has been injured, or their property*1 has been damaged due to any of the following
accident.
a) Accidents resulting from the ownership, use or management of a residence*2.
b) Accidents occurring in the daily life of the insured.
(2) Damage, loss or theft*4 of compensation covered entrusted items*3. (Limited to items kept inside a residence*5, or
temporarily put outside of the residence and managed by the insured.)(*1) Including information stored on information systems, etc.
(*2) Refers to housing used as a residence by the student, and includes personal property and real estate within the site.
(*3) “Compensation covered entrusted items” refers to tangible items with a property value that the insured is keeping foranother (including rental operators). Note that this does not include the “Main “entrusted items” not compensated by insurance” described elsewhere.
(*4) Payment of insurance for a reason listed under item (2), above, is limited to damage or loss incurred by the insured asa result of having liability for damages to the person who has legal rights to the compensation covered entrusted items(*3).
(*5) Refers to housing used as a residence by the insured, and includes the site.
Note: Only the insured student can be “the insured”. Further, where the student is a person without capacity to assume li日常生活個人賠償責任保険金 ability, a person with parental authority, other statutory supervisor or person responsible for supervising the person inca★日常生活個人賠償責任補償 pable of responsibility on behalf of the statutory supervisor (limited to a blood relative within six degrees, a spouse or an
in-law within three degrees) will be considered the insured.
特約☆日常生活個人賠償責任補償特約の一部変更に関する特約 日本国内または国外において発生した次のいずれかの事由により、法律上の損害賠償責任を負われた場合①保険期間中の次の偶然な事故により、他人の生命または身体を害したり、他人の物（＊1）を壊したりしたこと。
（大学生協用）セット
ア．住宅（＊2）の所有、使用または管理に起因する偶然な事故☆本人のみ補償特約（日常生活イ．
被保険者の日常生活に起因する偶然な事故
個 人 賠 償 責 任 補 償 特 約 用）②補償対象受託物（＊3）の破損、紛失または盗取（＊4）（住宅（＊5）内保管中または被保険者によって一時的に住宅（＊5）外で管理していセット
る間に限ります。）（＊１）情報機器等に記録された情報を含みます。
（＊２）本人の居住の用に供される住宅をいい、敷地内の動産および不動産を含みます。
（＊３）
「補償対象受託物」とは、被保険者が他人（レンタル業者を含みます。）から預かった財産的価値を有する有体物をいいます。
ただし、別記の「補償対象外となる主な『受託物』」を含みません。
（＊４）上記②に掲げる事由に対して保険金を支払うのは、被保険者が、補償対象受託物（＊3）につき正当な権利を有する者に対して損害賠償責任を負担することによって被った損害に限ります。
（＊５）被保険者の居住の用に供される住宅をいい、敷地を含みます。
（注）被保険者の範囲は、本人のみとなります。なお、本人が責任無能力者である場合は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保険者とします。
Daily life personal liability
insurance payment★Special clause for daily life
personal liability compensation☆Set of special clause relating to partial changes of
special clause for daily life
personal liability compensation (for university co-op)☆Set of compensation
special clause (for special
clause for daily life personal
liability compensation) for
insured student only

15

Cases in which insurance payment will be paid
保険金をお支払いする場合

Cases in which insurance payment will be paid
保険金をお支払いする場合（b）口頭、文書、図画、映像その他これらに類する表示行為による名誉毀（き）損またはプライバシーの侵害
人格権侵害賠償責任保険金（注）被保険者（保険契約により保障を受けられる方）の範囲：ご加入者★施 設所有（管理）者賠償責任
保険・生産物賠償責任保険＋
学生賠償責任補償特約

Insurance payment for
When a medical-related practice accident during a regular class, etc., has caused or may have caused a third party to
become infected, and the insured has had to pay damages in the form of expense to prevent infection (expenses for the
expenses for the prevention
prevention or treatment of infection, having obtained the consent of the underwriting insurance company).
of damage in an accident
Note: The scope of the insured is limited to the subscriber or university, etc. (*).
involving infection★Facility owner (manager) lia正課の講義等における医療関連実習での事故により、第三者の身体に感染による障害が発生またはそのおそれがある場合におbility insurance / Product
いて、被保険者が感染事故損害防止費用（感染の予防または治療のために、引受保険会社の同意を得て支出した費用）を負担しliability insurancv + a
た場合
special clause for student （注）被保険者の範囲：ご加入者・大学等（＊）
liability compensation
感染事故損害防止費用保険金★施 設所有（管理）者賠償責任
保険・生産物賠償責任保険＋
学生賠償責任補償特約◎Scope of regular classes, etc.:•Regular classes: lectures, experiments, training, practice, etc., treated by a university, etc.(*), as a lesson. (Including medical related practice such as
clinical practice, nursing practice, etc.)•School events: events held by a university, etc.(*), as part of their educational activities.
•Teaching practice: student teaching practice as referred to in Article 6 column 5 of the Ordinance for the Enforcement of the Teacher’s License Act in order to earn the credits stipulated in the Article 5, Paragraph 1, annexed Table 1 and annexed Table 2, or annexed Table 2-2 of Teacher’s License Act (ActNo. 147 of 1949)•Special practical training: opportunities made available to students to gain experience in activities such as providing nursing care and assistance to persons with disabilities or elderly persons, etc., and interacting with such persons, at special-needs schools or social welfare facilities as are selected fromthose schools or facilities stipulated in Article 2 of the Act on Special Provisions concerning the Teachers License Act in Relation to Granting Regular16

Licenses to Teachers of Elementary Schools and Lower Secondary Schools (Act No. 90 of 1997), through consultation with the Minister of Education,
Culture, Sports, Science and Technology and the Minister of Health, Labour and Welfare•Internships: internships or work experiences conducted by the subscriber (the insured) in relation to major or future career while they are in school (notincluding part-time jobs)•Volunteer activities: volunteer activities which are equivalent to school curriculum courses and school events (not including volunteer activities conducted as club activities or group activities).
(*) Universities, graduate schools, junior colleges, technical colleges and equivalent educational establishments, as stipulated by the School Education
Act (Act No. 26 of 1947).
◎正課の講義等の範囲：●正課の講義／大学等（＊）が授業として取り扱う講義、実験、実習、演習等をいいます。
（臨床実習、看護実習等の医療関連実習も含みます。）●学校行事／大学等（＊）が教育活動の一環として主催する行事をいいます。●教育実習／教育職員免許法（昭和24年法律第147号）第5条第1項の別表第1、別表第2または別表第2の2に定める単位習得のために行う教育職員免許法施行規則第6条第5欄に掲げる教育実習をいいます。●特例実習／小学校および中学校の教諭の普通免許状授与に係る教育職員免許法の特例等に関する法律（平成9年法律第90号）第2条に定める、特別支援学校または社会福祉施設その他の施設で文部科学大臣が厚生労働大臣と協議して定めるものにおいて行われる、障害者、高齢者等に対する介護、介助、これらの者との交流等の体験をいいます。●インターン
シップ／加入者（被保険者）が在学中に自らの専攻、将来のキャリアに関連した就業体験を行うことをいいます。
（アルバイトは含みません。）●ボランティア活動／正課の講義または学校行事に準じるボランティア活動をいいます。ただし、部活動、サークル活動として行うボランティア活動は含みません。
（＊）学校教育法（昭和22年法律第26号）に基づく大学、大学院、短期大学、高等専門学校およびこれと同等の教育機関をいいます。

◆Amount of insurance to be paid
◆保険金のお支払額
Type of insurance payment
保険金の種類Amount of insurance to be paid
保険金のお支払額

Daily life personal liability insurance payment★Special clause for daily life
personal liability compensation☆Set of special clause relating to partial changes of
special clause for daily life
personal liability compensation (for university co-op)☆S et of student only compensation special clause(for daily life personal liability compensation)
日常生活個人賠償責任保険金★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生協用）セット☆本 人のみ補償特約（日常生活個
人賠償責任補償特約用）セット

The amount of legal damages payable to a person with the right to claim damage compensation (including delay damages based on a judgment) and lawsuit expenses (*) will be paid.
(*): The underwriting insurance company’s written consent is required.
Note 1: The payment amount of payment for legal damages and delay damages based on a judgment for a single incident will be limited to the daily life personal liability insurance amount. However, in the case of an incident only involving
information recorded in an information system, etc., the payment for a single incident will be limited to the amount of therecorded information limit (5,000,000 yen) or the amount of the daily life personal liability compensation limit, whichever isthe lower amount.
Note 2: The underwriting insurance company’s prior approval is required for decisions about the amount of damages
payable, etc.
Note 3: In the case of an incident that occurred within Japan, out-of-court settlement negotiations can be conducted, atthe request of the insured. However, please note that it will not be possible to conduct out-of-court settlement negotiations in the following cases: where the person with the right to claim compensation does not agree; where the amount oflegal damages payable by the insured clearly exceeds the amount of the daily life personal liability insurance; where theinsured has refused to cooperate without a valid reason; or where a lawsuit related to the claim for damage compensation has been brought in a court outside of Japan.
Note 4: In the event that the content of compensation also appears in a similar insurance contract (including special
agreements for different insurance types and insurance contracts with companies other than the underwriting insurancecompany), the compensation may overlap. Please check the differences in the content of compensation, insurance
amounts, and whether or not subscription is necessary, before you subscribe.
損害賠償請求権者に対して負担する法律上の賠償責任の額（判決による遅延損害金を含みます。）および訴訟費用（＊）等をお支払いします。
（＊）引受保険会社の書面による同意が必要となります。
（注１）法律上の損害賠償責任の額および判決による遅延損害金のお支払額は、１回の事故につき、日常生活個人賠償責任保険
金額が限度となります。ただし、情報機器等に記録された情報のみの事故については、
１回の事故につき、記録情報限度額（５００万円）または日常生活個人賠償責任保険金額のいずれか低い額が限度となります。
（注２）損害賠償金額等の決定については、あらかじめ引受保険会社の承認を必要とします。
（注３）日本国内において発生した事故については、被保険者のお申出により、示談交渉をお引受します。ただし、損害賠償請求権者が同意されない場合、被保険者が負担する法律上の損害賠償責任の額が日常生活個人賠償責任保険金額を明らかに超える場合、正当な理由なく被保険者が協力を拒んだ場合、損害賠償請求に関する訴訟が日本国外の裁判所に提起された場合には示談交渉を行うことができませんのでご注意ください。
（注４）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。

Daily life personal liability in- Extraordinary expenses incurred by the insured will be paid.
surance payment (extraordi- Note 1: Insurance payments will be limited to the following amounts for one victim whose life or body has harmed in one
incident:
nary expenses)★Special clause for daily life In the event an incident described in ① under “Cases in which insurance payment will be paid”: up to a limit of ¥100,000.
personal liability compen- In the event an incident described in ② under “Cases in which payment insurance will be paid”: up to a limit of ¥20,000.
Note 2: In the event that the content of compensation also appears in a similar insurance contract (including special
sationagreements for different insurance types and insurance contracts with companies other than the underwriting insurance☆Set of special clause relatcompany), the compensation may overlap. Please check the differences in the content of compensation, insurance
ing to partial changes of amounts, and whether or not subscription is necessary, before you subscribe.
special clause for daily life
personal liability compen- 被保険者が臨時に必要とする費用をお支払いします。
sation (for university co-op) （注１）保険金のお支払額は、１回の事故によって生命または身体を害した被害者１名につき、次の額が限度となります。
☆S et of student only com上記「保険金をお支払いする場合」の①の場合…１０万円限度
上記「保険金をお支払いする場合」の②の場合… ２万円限度
pensation special clause(for daily life personal liabili- （注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
ty compensation)
日常生活個人賠償責任保険金（臨時費用）★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生協用）セット☆本人のみ補償特約（日常生活個
人賠償責任補償特約用）セット

17

Personal rights infringement
liability insurance payment★Facility owner (manager) liability insurance / Productliability insurance + a
special clause for student
liability compensation

The amount of legal damages payable to a person with the right to claim damage compensation (including delay damages based on a judgment) and lawsuit expenses (*) will be paid.
(*): The underwriting insurance company’s written consent is required.
Note 1: The payment amount in the period of insurance will be limited to ¥5,000,000.
Note 2: The underwriting insurance company’s prior approval is required for decisions about the amount of damages
payable, etc.

損害賠償請求権者に対して負担する法律上の賠償責任の額（判決による遅延損害金を含みます。）および訴訟費用（＊）等をお支払いします。
人格権侵害賠償責任保険金（＊）引受保険会社の書面による同意が必要となります。
★施 設所有（管理）者賠償責任 （注１）保険金のお支払額は、保険期間中につき500万円が限度となります。
保険・生産物賠償責任保険＋ （注２）損害賠償金額等の決定については、あらかじめ引受保険会社の承認を必要とします。
学生賠償責任補償特約
Insurance payment for
When the insured has had to pay damages in the form of expenses to prevent infection (expenses for the prevention ortreatment of infection, having obtained the consent of the underwriting insurance company), that amount will be paid.
expenses for the prevention
Note 1: The payment amount in the period of insurance will be limited to ¥5,000,000.
of damage in an accident
Note 2: The underwriting insurance company’s prior approval is required for decisions about the amount of damages
involving infection
payable, etc.
★Facility owner (manager) liability insurance / Product
被保険者が負担した感染事故損害防止費用（感染の予防または治療のために、引受保険会社の同意を得て支出した費用）をお
liability insurance + a
支払いします。
special clause for student（注１）保険金のお支払額は、保険期間中につき500万円が限度となります。
liability compensation（注２）損害防止費用の支払額の決定については、あらかじめ引受保険会社の承認を必要とします。
感染事故損害防止費用保険金★施 設所有（管理）者賠償責任
保険・生産物賠償責任保険＋
学生賠償責任補償特約(Note) In the event that insurance payment or mutual insurance has been paid from another insurance contract, the insurance payment may be reduced
accordingly.
（注）他の保険契約等から保険金または共済金が支払われた場合は、保険金が差し引かれることがあります。

◆Main cases in which insurance will not be paid
◆保険金をお支払いしない主な場合
Type of insurance
payment
保険金の種類Main cases in which insurance will not be paid
保険金をお支払いしない主な場合•Damage caused by the intentional action of the policyholder or the insured. •Damage liability directly arising from the courseof the insured’s work (excluding part-time jobs and internships) (liability for damages at work). •Damage liability arising from aphysical disability sustained by an employee (excluding domestic help) of the insured during the execution of their duties.
•Damage liability added as a result of a damage liability agreement with a third party. •Damage liability incurred by a relative※
living with the insured. •Damage liability arising from insanity. •Damage liability arising from violence or assault by the insured,or directed by the insured. •Damage liability arising from the ownership, use or management of vehicles such as automobiles,
etc.※, (excluding golf carts within the grounds of a golf course etc.), ships, aircraft, weapons, personal property or real estateused for the purposes of work (excluding part-time work or internships). •Damage to compensation covered entrusted items
as a result of altercation ,suicidal actions or criminal actions. •Damage to compensation covered entrusted items as a result ofdriving without a license or without qualifications while under the influence of alcohol※ or drugs. •Damage to compensation
covered entrusted items as a result of the exercise of official authority (seizure, confiscation, destruction, etc.). •Spontaneous
combustion or spontaneous explosion of the compensation covered entrusted items. •Damage to compensation covered entrusted items as a result of electrical or mechanical accidents (breakdown, etc.), not directly attributable to an unexpected external event. •Damage to compensation covered entrusted items due to natural wear, deterioration, discoloration, rust, mold,rot, cracks, peeling, fermentation or spontaneous heat generation due to natural properties, rodent damage, insect damage ordefects, etc. •Damage to compensation covered entrusted items due to the penetration of wind, rain, snow, hail, dust or similar. •Damage to compensation covered entrusted items that was discovered after they were handed back. •Damage to compensation covered entrusted items that has rendered them unusable (loss of revenue, etc.). •Liability for damages due to theuse of compensation covered entrusted items markedly deviating from the level of care in handling normally considered necessary, or for other than the intended purpose. •Damage resulting from war, other forms of civil strife※, or riots. •Damage due
日常生活個人賠償責任保 to the effects of an earthquake or volcanic eruption, or of a tsunami caused by these. •Damage resulting from the radiation,
険金
explosion, etc., of nuclear fuel materials or similar. •Damage to “Main “Entrusted items” not compensated by insurance” de★日常生活個人賠償責任 scribed elsewhere.
補償特約☆日常生活個人賠償責任●保険契約者または被保険者の故意による損害●被保険者の職務遂行（アルバイトおよびインターンシップを含みません。）に直接起補償特約の一部変更に因する損害賠償責任（仕事上の損害賠償責任）●被保険者の使用人（家事使用人を含みません。）
が業務従事中に被った身体の障害に関 する特 約（大 学 生 協※起因する損害賠償責任●第三者との損害賠償に関する約定によって加重された損害賠償責任●被保険者と同居する親族 に対する用）セット
殴打による損害賠償責任●自動車☆本 人 のみ 補 償 特 約（日 損害賠償責任●心神喪失に起因する損害賠償責任●被保険者または被保険者の指図による暴行、※（ゴルフ場敷地内におけるゴルフカート等を含みません。）、船舶、航空機、銃器、職務（アルバイトおよびインターンシップを含
常生活個人賠償責任補 等 の車両
みません。）のために使用する動産または不動産の所有、使用または管理に起因する損害賠償責任●闘争行為、
自殺行為または犯罪行
償特約用）セット
為による補償対象受託物の損害●自動車等の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中の事故による補償対象
受託物の損害●公権力の行使（差し押え・没収・破壊等）
による補償対象受託物の損害●補償対象受託物に発生した自然発火または自然爆発●偶然な外来の事故に直接起因しない補償対象受託物の電気的事故・機械的事故（故障等）による損害●自然の消耗、劣化、性質による変色・さび・かび・腐敗・ひび割れ・剥がれ・発酵・自然発熱、
ねずみ食い、虫食い、欠陥等による補償対象受託物の損害●風、雨、
雪、
雹
（ひょう）
、
砂塵
（じん）
その他これらに類するものの吹込みや漏入による補償対象受託物の損害●引き渡し後に発見された補償対
象受託物の破損による損害賠償責任●補償対象受託物を使用不能にしたことによる損害賠償責任（収益減少等）●通常必要とされる
取扱い上の注意に著しく反したことまたは本来の用途以外に補償対象受託物を使用したことに起因する損害賠償責任●戦争、その他の変乱※、暴動による損害●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損
害賠償責任●別記の「補償対象外となる主な『受託物』」の損害 
など
Daily life personal liability
insurance payment★Special clause for daily
life personal liability
compensation☆Set of special clauserelating to partialchanges of special
clause for daily life
personal liability compensation (for university co-op)☆Set of student only
compensation special
clause (for daily life
personal liability compensation)

18

Type of insurance
payment
保険金の種類
Personal rights infringement liability insurance
payment★Facility owner (manager) liability insurance /Product liability insurance + a special clause
for student liability
compensation
人格権侵害賠償責任保険
金★施設所有（管理）者賠償責任保険・生産物賠償責任保険＋学生賠償責
任補償特約

Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合•Liability for damages resulting from the intentional acts of the policyholder or the insured. •Where there exists a special
agreement between the insured and a third party concerning liability for damages, any liability for damages added as a resultof that agreement. •Liability for damages against relatives living with the insured. •Liability for damages arising from physicaldisability suffered by an employee of the insured while engaged in work for the insured. •Liability for damages due to war, exercise of force by a foreign country, revolution, government coup, civil strife, armed insurgency or any other similar riots, labor
disputes or disturbances. •Liability for damages due to earthquakes, eruptions, flooding, tsunami or high tides. •Liability fordamages due to nuclear reaction or the decay of nuclear materials (excluding damages due to nuclear reaction or the decayof nuclear materials of radioisotopes (not including uranium, thorium, plutonium or compounds of these or inclusions of these)
provided for medical, scientific and some industrial use). •Liability due to criminal acts (excluding criminal negligence) committed by the insured or by another based on the understanding or consent of the insured. •Liability due to misconduct by the
insured or another, relating to hiring, employment or dismissal by the insured. •Liability due to continued or repeated misconduct by the insured or another, where the first instance of said misconduct occurred prior to the period of insurance. •Liability
due to misconduct by the insured or by another at the instruction of the insured, in the full knowledge that their actions wereinconsistent with actual facts. •Liability due to advertising, broadcasting or publishing activities carried out by the insured oranother on the insurer’s behalf. •Damages incurred by having to bear the costs of infection incident damage prevention costsin either of the following cases: ◇costs incurred due to infection contracted prior to the period of insurance ◇costs incurred
due to other than medical related practice as part of regular lectures, etc.

Insurance payment for
expenses for the preven- ●保険契約者または被保険者の故意によって生じた損害賠償責任●被保険者と第三者との間に損害賠償に関する特別の約定がある
tion of damage in an
場合において、その約定によって加重された損害賠償責任●被保険者と生計を共にする同居の親族に対する損害賠償責任●被保険
accident involving
者の使用人が、被保険者の業務に従事中に被った身体の障害に起因する損害賠償責任●戦争、外国の武力行使、革命、政権奪取、
infection
内乱、武装反乱その他これらに類似の事変、暴動、労働争議または騒擾（じょう）に起因する損害賠償責任●地震、噴火、洪水、津波ま★Facility owner (manag- たは高潮に起因する損害賠償責任●原子核反応または原子核の崩壊に起因する損害賠償責任（ただし、医学的、科学的利用もしくはer) liability insurance / 一般産業上の利用に供されるラジオ・アイソトープ《ウラン・トリウム・プルトニウムおよびこれらの化合物ならびにこれらの含有物を含Product liability insur- みません。》の原子核反応または原子核の崩壊による場合を除きます。）●被保険者によって、または被保険者の了解もしくは同意に基
ance + a special clause づいて被保険者以外の者によって行われた犯罪行為（過失犯を除きます。）に起因する賠償責任●被保険者による採用、雇用または解雇に関して、被保険者によってまたは被保険者以外の者によって行われた不当行為に起因する賠償責任●最初の不当行為が保険
for student liability
期間開始前になされ、その継続または反復として、被保険者によってまたは被保険者以外の者によって行われた不当行為に起因する
compensation
賠償責任●事実と異なることを知りながら、被保険者によってまたは被保険者の指図により被保険者以外の者によって行われた不当行為に起因する賠償責任●被保険者によってまたは被保険者のために被保険者以外の者によって行われた広告宣伝活動、放送活動
感染事故損害防止費用保 または出版活動に起因する賠償責任●次のいずれかに該当する感染事故損害防止費用を負担することによって被る損害◇保険期間
険金
開始前に感染していた感染症に起因して発生した費用◇正課の講義等における医療関連実習以外に起因して発生した費用
など★施設所有（管理）者賠償責任保険・生産物賠償責任保険＋学生賠償責
任補償特約
In addition to the above, there are situations in which insurance payment will not be paid. For details, please refer to your general insurance policy, special policy or special
clause. If there is anything that you are not sure about, contact your insurance agent or underwriting insurance company.
◎Sporting activities, etc., not compensated by insurance …. mountain climbing*1, luge, bobsleigh, skeleton, aircraft*2 operation*3, skydiving, hang gliding, flying in ultralight aircraft*4, flying in gyroplanes, and other similar dangerous activities.
(*1) Activities that use ice axes, crampons, ropes and hammers and other mountaineering equipment and rock climbing (including free climbing, but not including bouldering
on a wall of a height no higher than 5m).
(*2) Excluding gliders and airships.
(*3) Excluding operation in a professional capacity.
(*4) Referring to motor hang gliders, micro-light aircraft and ultra-light aircraft, etc., and excluding parachute type ultra-light aircraft (para-planes, etc.).
◎Main “Entrusted items” not compensated by insurance … currency, deposit and savings certificates, securities, revenue stamps, postage stamps, manuscripts (of books,etc.), designs, drawings, certificates, accounts, precious metals, gems, curios and objets d’art, antiques, sculptures, works of art, automobiles (including towed vehicles),motorized bikes, ships (including yachts, motorboats, personal water craft, boats and canoes), aircraft and their accessories, bicycles, radio-controlled models and their accessories, surfboards, windsurfing boards, mobile phones (including PHS) and other types of mobile communication terminals and their accessories, laptop or note typecomputers, portable game machines, electronic organizers, electronic dictionaries and books and other types of portable electronic devices and their accessories, portableaudio players and other types of portable audio devices and their accessories, portable recording devices and their accessories, firearms, swords, equipment used in the
pursuit of “Sporting activities, etc., not compensated by insurance” described above, live animals or plants, buildings (including tatami mats, fixations, bathtubs, sinks, gas
stoves, kitchen tables and shelves, electricity, gas or air-conditioning equipment and other accessory equipment), doors, fences, hedges, sheds, garages and other accessory buildings.
Note: The following items, used in and for the purposes of regular classes*1, will be compensated by insurance: automobiles (including towed vehicles. And, limited to vehicles used only for driving off-road or small special vehicles manufactured for agricultural work), motorized bikes (limited to those used only for driving off-road) and their accessories, bicycles, radio-controlled models and their accessories, mobile phones (including PHS) and other types of mobile communication terminals and their accessories, laptop or note type computers, portable game machines, electronic organizers, electronic dictionaries and books and other types of portable electronic devices andtheir accessories, portable audio players and other types of portable audio devices and their accessories, portable recording devices and their accessories, and equipmentused during mountain climbing activities*2.
(*1) The following items.
a) Lectures, experiments, practical training, exercises, etc., treated as classes by the university, etc. *3.
b) Events hosted by the university, etc.*3 as educational activities.
c) Teaching practice as listed in the tables of Article 2, Paragraph 1, Article 3, Paragraph 1, Article 4, Paragraph 1, and Article 5 of the Ordinance for Enforcement of the
School Teacher’s License Act, which is conducted for the Purpose of the acqusition of credits, as stipulated in annexed Table 1, annexed Table 2, or annexed Table
2-2 of the School Teacher’s License Act (Act No.147 of 1949), Article 5, Paragraph 1, annexed Table 1, annexed Table 2, or annexed Table 2-2.
d) Experiences such as the care and assistance of, and interaction with, elderly and/or disabled persons, etc., as stipulated in Article 2 of the Act on Special Provisions
concerning the Education Personnel Certification Act in Relation to Granting Regular License to Teachers of Elementary Schools and Lower Secondary Schools (ActNo. 90 of 1997), conducted at special needs schools, social welfare facilities and other facilities determined by the Minister of Education, Culture, Sports, Scienceand Technology in consultation with the Minister of Health, Labor and Welfare.
e) Internshipsf) Volunteer activities corresponding to a) or b), above, but not including volunteer activities as part of university club activities.
(*2) Activities that use ice axes, crampons, ropes and hammers and other mountaineering equipment and rock climbing (including free climbing, but not including bouldering
on a wall of a height no higher than 5m).
(*3) Refers to universities, graduate schools, junior colleges, professional colleges, vocational colleges, technical colleges and other equivalent educational establishments,
in accordance with the School Education Act (Act No. 26 of 1947).
上記以外にも保険金をお支払いしない場合があります。詳細は普通保険約款、特別約款および特約をご確認ください。また、ご不明な点については、取扱代理店または引受保険会社までお問い合わせください。
◎補償対象外となる運動等…山岳登はん（＊1）、リュージュ、ボブスレー、スケルトン、航空機（＊2）操縦（＊3）、スカイダイビング、ハンググライダー搭乗、超軽量動力機（＊4）
搭乗、ジャイロプレーン搭乗
その他これらに類する危険な運動（＊１）ピッケル、アイゼン、ザイル、ハンマー等の登山用具を使用するもの、ロッククライミング（フリークライミングを含み、登る壁の高さが５ｍ以下であるボルダリ

19

ングは含みません。）をいいます。
（＊２）グライダーおよび飛行船は含みません。
（＊３）職務として操縦する場合は含みません。
（＊4）モーターハンググライダー、マイクロライト機、ウルトラライト機等をいい、パラプレーン等のパラシュート型超軽量動力機は含みません。
◎補償対象外となる主な「受託物」…通貨、預貯金証書、有価証券、印紙、切手、稿本（本などの原稿）、設計書、図案、証書、帳簿、貴金属、宝石、書画、骨董（とう）、彫刻、美術品、自動車（被牽（けん）引車を含みます。）
・原動機付自転車・船舶（ヨット、モーターボート、水上バイク、ボートおよびカヌーを含みます。）
・航空機およびこれらの付属品、自転車・ラジコン模型およびこれらの付属品、サーフボード、ウィンドサーフィン、携帯電話（ＰＨＳを含みます。）等の移動体通信端末機器およびこれらの付属品、ラップトップまたはノート型のパソコン・携帯ゲーム機・電子手帳・電子辞書・電子書籍等の携帯式電子機器およびこれらの付属品、携帯オー
ディオプレーヤー等の携帯式音響機器およびこれらの付属品、携帯レコーダー等の携帯式録音機器およびこれらの付属品、銃砲、刀剣、上記の「補償対象外となる運動等」を行っている間のその運動等のための用具、動物・植物等の生物、建物（畳、建具、浴槽、流し、ガス台、調理台、棚および電気・ガス・暖房・冷房設備
その他の付属設備を含みます。）、門、塀・垣、物置、車庫その他の付属建物
など（注）正課の講義等（＊1）において、その目的にしたがって使用している自動車（被牽（けん）引車を含みます。また、道路以外の場所においてのみ運行の用に供するものおよび農耕作業の用に供する目的として製作された小型特殊自動車に限ります。）、原動機付自転車（道路以外の場所においてのみ運行の用に供するものに限ります。）およびこれらの付属品、自転車・ラジコン模型およびこれらの付属品、携帯電話（ＰＨＳを含みます。）等の移動体通信端末機器およびこれらの付属品、ラップトップまたはノート型のパソコン・携帯ゲーム機・電子手帳・電子辞書・電子書籍等の携帯式電子機器およびこれらの付属品、携帯オーディオプレー
ヤー等の携帯式音響機器およびこれらの付属品、携帯レコーダー等の携帯式録音機器およびこれらの付属品、山岳登はん（＊2）を行っている間のその運動等のための用具は補償されます。
（＊１）次に掲げるものをいいます。
ア．大学等（＊３）が授業として取り扱う講義、実験、実習、演習等
イ．大学等（＊３）が教育活動の一環として主催する行事
ウ．教育職員免許法（昭和２４年法律第１４７号）第５条第１項の別表第１、別表第２または別表第２の２に定める単位習得のために行う教育職員免許法施行規則
第２条第１項、第３条第１項、第４条第１項および第５条第１項の表に掲げる教育実習
エ．小学校及び中学校の教諭の普通免許状授与に係る教育職員免許法の特例等に関する法律（平成９年法律第９０号）第２条に定める、特別支援学校又は社会福祉施設その他の施設で文部科学大臣が厚生労働大臣と協議して定めるものにおいて行われる、障害者、高齢者等に対する介護、介助、これらの者との交流等の体験オ．
インターンシップ
カ．
ア．
またはイ．に準じるボランティア活動。ただし、部活動、サークル活動として行うボランティア活動は含みません。
（＊２）ピッケル、アイゼン、ザイル、ハンマー等の登山用具を使用するもの、ロッククライミング（フリークライミングを含み、登る壁の高さが５ｍ以下であるボルダリン
グは含みません。）をいいます。
（＊３）学校教育法（昭和２２年法律第２６号）に基づく大学、大学院、短期大学、専門職大学、専門職短期大学、高等専門学校およびこれと同等の教育機関をいいます。
6 Content of coverage (Condolence gift expenses)◆Cases in which insurance payment will be paid, insurance payment amounts

6 保障内容（見舞費用）◆保険金をお支払いする場合・保険金のお支払額
Type of insurance
payment
保険金の種類

Cases in which insurance payment
will be paid
保険金をお支払いする場合

Insurance payment amounts
保険金のお支払額

Insurance payment for
condolence gifts toinjured parties★Special clause for compensation for condolence gifts to injured
partiesIn the event that an unintended accident
caused by the actions of the insured during
the period of insurance has resulted in injury※ to another and the insured does not
pay damages to that person, but, as acommon practice, pays condolence orsympathy money, and purchases a sympathy gift.
(Note 1) Limited to the amount agreed by
the underwriting insurance company.
(Note 2) The scope of the insured is as follows. Note that, in the event that persons a)to e) are incapable of responsibility, a person with parental authority, other statutory
supervisor or person responsible for supervising the person incapable of responsibility on behalf of the statutory supervisor(limited to a blood relative within six degrees, a spouse※ or an in-law within threedegrees) or in-law within three degree) shallbe the insured. a) the student b) a personwith parental authority, or other statutory
supervisor c) a spouse d) a relative of thestudent or their spouse and living with thestudent, their parent or spouse (blood relative within six degrees, or in-law within
three degree) e) An unmarried child of thestudent or their spouse, and not living withthe student, their parent or spouse.

Actual expenses will be paid, limited to the following amount per victim. However, the payments shall be limited to ¥1,000,000 per accident.
(1) In the event that the victim dies within 180 days from the day of the accident, including thatday, ¥500,000*1.
(2) In the event that the victim sustains a disability※ within 180 days from the day of the accident, including that day, 100% to 4% of ¥500,000 (prorated in accordance with the injury insurance payment disability class table).
(3) In the event that the victim has been hospitalized※ for treatment※ for an injury※,a) When the period of hospitalization is 31 days or longer: ¥100,000b) When the period of hospitalization is between 15 days and 30 days: ¥50,000c) When the period of hospitalization is between 8 and 14 days: ¥30,000d) When the period of hospitalization is 7 days or shorter: ¥15,000(4) In the event that the victim received outpatient treatment※ of an injury※ that was caused by
the accident*2a) When the number of days of outpatient treatment is 31 or more: ¥50,000b) When the number of days of outpatient treatment is between 15 and 30: ¥30,000c) When the number of days of outpatient treatment is between 8 and 14: ¥20,000d) When the number of days of outpatient treatment is 7 or fewer: ¥10,000(*1) In the event that insurance for expenses for disability condolence has already been paid,
the portion already paid shall be deducted from ¥500,000, and the remainder paid.
(*2) If the injured person does not receive outpatient treatment but has to continuously wear aplaster cast※ or similar at the instructions of a doctor※ in order to stabilize a prescribed part※ ofthe body that has been injured, such as a broken bone, dislocation, torn ligament, etc., they will
be considered to have received outpatient treatment for that number of days.
Note: In the event that the content of compensation also appears in a similar insurance contract (including special agreements for different insurance types and insurance contracts withcompanies other than the underwriting insurance company), the compensation may overlap.
Please check the differences in the content of compensation, insurance amounts, and whether
or not subscription is necessary, before you subscribe.

傷害見舞費用保険金★傷害見舞費用補償特約

保険期間中の被保険者の行為による偶然 被害者１名につき次の金額を限度として、実際に負担された額をお支払いします。ただし、
１な事故により他人が被ったケガ※について、 回の事故について、
１００万円がお支払いの限度となります。
損害賠償金を支払うことなく、慣習として ①被害者が事故の発生の日からその日を含めて１８０日以内に死亡した場合
弔慰金や入院見舞金等を支払われた場合
５０万円（＊1）
および見舞品を購入された場合②被害者に事故の発生の日からその日を含めて１８０日以内に後遺障がい※が発生した場合（注１）引受保険会社の同意を得て支払わ５０万円の１００％～４％（傷害保険金の後遺障がい等級表に応じた割合）
れた費用に限ります。
③被害者が事故によるケガ※の治療※のため入院※した場合（注２）被 保険者の範囲は、次のとおりで
ア．入院期間３１日以上の場合
１００，
０００円
す。なお、ア．からオ．
までの方が責イ．入院期間１５日以上３０日以内の場合 ５０，０００円
任 無 能 力 者である場 合は、親 権
ウ．入院期間８日以上１４日以内の場合 ３０，０００円
者・法定監督義務者・監督義務者
エ．入院期間７日以内の場合 １５，０００円に代わって責任無能力者を監督す ④被害者が事故によるケガ※の治療※のため通院※した場合（＊2）
る方（責任無能力者の６
ア．通院日数３１日以上の場合
５０，０００円
イ．通院日数１５日以上３０日以内の場合 ３０，０００円
ウ．通院日数８日以上１４日以内の場合 ２０，０００円
エ．通院日数７日以内の場合 １０，
０００円

20

Type of insurance
payment
保険金の種類

Cases in which insurance payment
will be paid
保険金をお支払いする場合

Insurance payment amounts
保険金のお支払額

親等内の血族、配偶者※および３（＊１）既にお支払いした後遺障がい見舞費用保険金がある場合は、５０万円から既にお支払
親等内の姻族に限ります。）を被いした金額を差し引いた残額となります。
保険者とします。
（＊２）通院されない場合で、骨折、脱臼、靱（じん）帯損傷等のケガを被った所定の部位※を固ア．本人、イ．親権者およびその定するために医師※の指示によりギプス等※を常時装着したときは、その日数について
他の法定の監督義務者、ウ．配偶
通院したものとみなします。
者、エ．本人・親権者・配偶者と （注）補 償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を同居の本人・配偶者の親族（６親含みます。）が他にあると補償の重複が生じることがあります。補償内容の差異や保険金等内の血族および３親等内の姻額、加入の要否をご確認いただいたうえでご加入ください。
族）、オ．本人・親権者・配偶者と別居の本人・配偶者の未婚の子•Since the special clause (*Special clause for compensation for condolence gifts to injured parties) relating to the scope of the insured has been set, the scope of the insured in the special clause for compensation for condolence gifts to injured parties is the student, a person with parental authority, or other statutory supervisor.
●被保険者の範囲に関する特約（傷害見舞費用補償特約用）がセットされているため、傷害見舞費用補償特約における被保険者の範囲は、本人ならびに本人の親権者およびその他の法定の監督義務者とします。

◆Cases in which insurance payment will not be paid
◆保険金をお支払いしない主な場合
Type of insurance
payment
保険金の種類Insurance payment for
condolence gifts toinjured parties★Special clause for compensation for condolence gifts to injured
parties
傷害見舞費用保険金★傷害見舞費用補償特約

Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合•Costs resulting from the intentional action or gross negligence of the policyholder or the insured. •Injury※ resulting from violence or assault by the insured, or directed by the insured. •Injury resulting from the execution of professional duties by the insured. •Injury suffered by a relative※ living with the insured. •Injury suffered by an employee (excluding domestic servant) of
the insured during the execution of their duties. •Injury suffered as a result of the ownership, use or management of vehicles
such as automobiles, etc.※, ships, aircraft or weapons. •Costs incurred due to war, other forms of civil strife※, or riots (injuries
resulting from terrorist acts may be covered by a partial amendment special clause relating to the exemption from war risk,
etc., with conditions.). •Costs incurred due to earthquake or volcanic eruption, or a tsunami caused by these. •Costs incurred
due to the radiation, explosion, etc., of nuclear fuel materials or similar. •Injury resulting from conditions that are not supported
by medical objective findings※, such as cervical syndrome※, lower-back pain, or backaches, no matter the cause. •Drowning
while bathing※. (excluding where this was caused by an injury resulting from a sudden and unexpected external event.) •Pneumonia resulting from aspiration (mis-swallowing)※, no matter the cause.
●保険契約者または被保険者の故意または重大な過失による費用●被保険者または被保険者の指図による暴行、殴打によるケガ※●被保険者の職務遂行に起因するケガ●被保険者と同居する親族※が被ったケガ●被保険者の使用人（家事使用人を除きます。）が業務中に被ったケガ●自動車等※の車両、船舶、航空機、銃器の所有、使用または管理に起因するケガ●戦争、その他の変乱※、暴動による費用（テロ行為によるケガは、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地震もしくは噴火またはこれらを原因とする津波による費用●核燃料物質等の放射性・爆発性等による費用●原因がいかなるときでも、頸（けい）部症候群※、腰痛その他の症状を訴えている場合に、それを裏付けるに足りる医学的他覚所見のないもの※●入浴中の溺水※（ただし、急激かつ偶然な外来の事故によってその身体に被ったケガによって発生した場合を除きます。）●原因がいかなるときでも、
誤嚥（えん）※によって発生した肺炎
など

7 Content of coverage (Tenant liability, etc.)◆Cases in which Insurance payment will be paid - Insurance payment amountType of insurance payment
保険金の種類Where there has been damage to rented housing in The actual repair costs* borne by the insured are paid.
Japan occurred by sudden and unexpected incident, *: This means the repair costs required to restore the rented housing
and where the insured*2 has to effect repairs to said to the condition it was in immediately prior to the damage.
housing at their own expense, in accordance with a Note 1: Insurance payment is limited the Rented Housing Repair Cost
contractual agreement with the landlord, or in an emer- Insurance amount for each incident.
gency. Note that this does not include cases where the Note 2: Costs of repairs to major structural elements of the building
insured is legally liable to compensate the landlord of (walls, pillars, floors, beams, roofs, stairs, etc.) and areas used in com借用住宅修理費用保険金 rented housing.
mon by residents (entrance halls, lobbies, corridors, elevators, toilets,★借 用住宅修理費用補償 *1: “rented housing” refers to a building or residential bathrooms, gates, fences, hedges, water towers, etc.) are not covered.
（大学生協用）特約
room(s) rented or used by the insured as a residence Note 3: If there are other insurance policies with similar compensation
at the insured’s address. Note that this does not in- details (including special clauses for different types of insurance, andclude personal property, such as household furniture, policies with different underwriting companies), duplication of comappliances or other fittings stored in the building or the pensation may occur. Please first check the differences in compensation content and insurance amounts, and whether there is any needresidential room(s).
*2: This includes the leaseholder of rented housing for subscription, before you subscribe.
when the leaseholder is other than the insured.
被保険者が負担された修理費用（＊）の実費をお支払いします。
不測かつ突発的な事故により、日本国内において借用住 （＊）借用住宅を損害発生直前の状態に復旧するために必要な修理費用を宅（＊１）に損害が発生し、被保険者（＊２）がその貸主との契約いいます。
に基づきまたは緊急的に、その借用住宅を自己の費用で現実 （注1）保 険金のお支払額は、１回の事故につき、借用住宅修理費用保険に修理した場合。ただし、被保険者が借用住宅の貸主に対し金額が限度となります。
て、法律上の損害賠償責任を負担する場合を含みません。 （注2）建 物の主要構造部（壁、柱、床、はり、屋根、階段等）や、居住者が（＊１）
「借用住宅」とは、被保険者が借用または使用する被保共同で利用する部分（玄関、ロビー、廊下、昇降機、便所、浴室、険者の居住の用に供される建物または住戸室をいいま
門、塀、垣、給水塔等）の修理費用はお支払いしません。
す。ただし、建物または住戸室に収容されている家財、（注3）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
什器その他の備品等の動産は含みません。
社以外の保険契約を含みます。）が他にある場合、補償の重複が生（＊２）借用住宅の賃借名義人が被保険者と異なる場合にじることがあります。補償内容の差異や保険金額、加入の要否をごは、その賃借名義人を含みます。
確認いただいたうえでご加入ください。
Rented housing repair
cost insurance payment★Special clause (for university co-ops) for compensation for rented
housing repair cost)

Where the water pipes exclusive to rented housing* in The actual repair costs* borne by the insured are paid.
Japan are damaged due to freezing, and the insured *: This means the repair costs required to restore the exclusive water pipes to
has had to pay for repairs by themselves. Note that the condition they were in immediately prior to the damage due to freezing.
Note 1: Insurance payment is limited 100,000 yen per site for each incident.
this does not include damage to packing only.
*:“rented housing” refers to a building or residential Note 2: If there are other insurance policies with similar compensation detailsroom(s) rented or used by the insured as a residence (including special clauses for different types of insurance, and policies withat the insured’s address. Note that this does not in- different underwriting companies), duplication of compensation may occur.
水道管修理費用保険金
clude personal property, such as household furniture, Please first check the differences in compensation content and insurance★借 用住宅修理費用補償 appliances or other fittings stored in the residential amounts, and whether there is any need for subscription, before you sub（大学生協用）特約
scribe.
room(s).
Water pipe repair cost
insurance payment★Special clause (for university co-ops) for compensation for rented
housing repair cost

日本国内において借用住宅（＊）の専用水道管が凍結によっ 被保険者が負担された修理費用（＊）の実費をお支払いします。
て破損し、被保険者が自己の費用で修理した場合。ただ （＊）凍結によって損害が発生した専用水道管を損害発生直前の状態に復し、パッキングのみの破損を含みません。
旧するために必要な費用をいいます。
（＊）
「借用住宅」とは、被保険者が借用または使用する被 （注１）保険金のお支払額は、１回の事故につき、
１敷地内ごとに１０万円が保険者の居住の用に供される建物または住戸室をい限度となります。
います。ただし、建物または住戸室に収容されている （注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
家財、什器その他の備品等の動産は含みません。
社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。

◆保険金をお支払いする場合・保険金のお支払額
Cases in which insurance payment will be paid
保険金をお支払いする場合

Insurance payment amounts
保険金のお支払額

Where, during the period of insurance and in Japan, Amount of legal damages payable by the insured to a person with therented housing*1 is damaged*2 due to an accident at right to claim damage compensation + litigation expenses ordered to
the responsibility of the insured, and the insured*3 is be paid by a judgment, or delay damages to be paid up to the date oflegally obliged to compensate the landlord.
a judgment – an amount of a subrogation obtained due to the insured*1: “Rented housing” refers to a building or rooms
rented or used by the insured at the insured’s address. having paid an amount of compensation to a person with the right to
借家人賠償責任保険金
In the event of a change of address, it refers to a build- claim damage compensation – any deductibles* (0 yen).
★借 家 人 賠 償 責 任 補 償 ing or rooms at the new address.
Note 1: The amount per accident is limited to the Tenant liability in（オールリスク）特約*2: “damaged” means destruction, damage or deface- surance amount.
ment. Note that destruction does not include theft, Note 2: The decision regarding the amount of compensation, etc.,
requires the prior consent of the underwriting insurance company.
loss or fraud.
*3: This includes the leaseholder of rented housing Note 3: In addition to the amount calculated per the above formula,when the leaseholder is other than the insured. Further, payment will be made for expenses that are necessary or beneficial inwhere the insured and the leaseholder are persons the prevention of the occurrence or spread of damage, out-of-court
without capacity to assume liability, a person with pa- negotiation expenses, legal expenses, etc.
rental authority, other statutory supervisor or person Note 4: If there are other insurance policies with similar compensation
responsible for supervising the person incapable of re- details (including special clauses for different types of insurance, andsponsibility on behalf of the statutory supervisor (limit- policies with different underwriting companies), duplication of comed to a blood relative within six degrees, a spouse or pensation may occur. Please first check the differences in compensaan in-law within three degrees) will be considered the tion content and insurance amounts, and whether there is any needfor subscription, before you subscribe.
insured.
Tenant liability insurance
payment★Special clause for compensation for tenant liability (all risk)

保険期間中に、日本国内において、借用住宅（＊１）が被保険 被保険者が損害賠償請求権者に対して負担する法律上の損害賠償責任
者の責任による事故により損壊（＊２）し、被保険者（＊３）が貸主 の額 ＋ 判決により支払を命ぜられた訴訟費用または判決日までの遅延損に対する法律上の損害賠償責任を負われた場合
害金 － 被保険者が損害賠償請求権者に対して損害賠償金を支払ったこ（＊１）
「借用住宅」とは、被保険者が借用または使用する被 とにより代位取得するものがある場合は、その価額 － 免責金額※（０円）
保険者住所の建物または住戸室をいい、転居した場（注１）１回の事故につき、借家人賠償責任保険金額が限度となります。
合は転居先の建物または住戸室をいいます。

21

Insurance payment amounts
保険金のお支払額（＊２）
「損壊」とは、滅失、破損または汚損をいいます。ただ （注２）損害賠償金額等の決定については、あらかじめ引受保険会社の承認を必要とします。
し、滅失には盗難、紛失または詐取を含みません。
（＊３）借用住宅の賃借名義人が被保険者と異なる場合に （注３）上記算式により計算した額とは別に、損害の発生または拡大を防止するために必要または有益であった費用、示談交渉費用、争訟費用
は、その賃借名義人を含みます。なお、これらの方が等をお支払いします。
責任無能力者である場合は、親権者・法定監督義
務者・監督義務者に代わって責任無能力者を監督 （注4）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にある場合、補償の重複がする方（責任無能力者の６親等内の血族、配偶者※
および３親等内の姻族に限ります。）を被保険者とし生じることがあります。補償内容の差異や保険金額、加入の要否をます。
ご確認いただいたうえでご加入ください。

7 保障内容（借家人賠償責任他）
Type of insurance
payment
保険金の種類

Cases in which insurance will be paid
保険金をお支払いする場合(Insurance payment for
private property for daily life
in housing) compensation
insurance payment★Special clause (for university co-ops) for compensation for private property
for daily life in housing☆Set of special clause for
insurance coverage of
special clause (for university co-ops) for compensation for private property
for daily life in housing andchanges in the upper limitsof the damages amount.
（住宅内生活用動産保険金）損害保険金★住 宅内生活用動産補償（大学生協用）特約☆住 宅内生活用動産補償（大学生協用）特約の保険の対象および損害額

When private property for daily life*2 owned by the insured Payment is made after the deductible※ (10,000 yen for each incident
and kept on premises*1 is damaged due to any of the follow- in the case of damage or defacement only).
ing incident, within the period of insurance and in Japan.
Note 1: The amount of damages is determined by the replacement•Fire, lightning strike, rupture, explosion.
cost※. Further, where the damaged item can be repaired, the amount•Wind damage, hail, snow damage*3 (Not including of damages or loss is determined by the repair costs (including thedamage from snow, etc., blowing in, rain leakage, etc.) cost of the clearance of remains) that would be necessary in order to•Water damage*4.
restore the item to the condition it was in immediately prior to the•Exposure to water due to water leakage or discharge, damage, minus the value of any remains due to repair work (if any).
etc. caused by rupture or clogging of water supply and Even in such cases, if the amount of damages or loss exceeds the redrainage equipment, or exposure to water due to wa- placement cost, the replacement cost shall be taken as the amount of
ter leakage or discharge, etc. occurring at a residential damages or loss.
unit occupied by any person other than the insured.
Note 2: In the case of precious metals, jewels, gems, calligraphy, an•Falling, flying, collision, contact or collapse of the ob- tiques or sculptures and the like, the amount of damages or loss is
ject from outside of a building, or collision or contact limited to 300,000 yen per item or set.
with a vehicle or its load inside of a building.
Note 3: In the case of currency, checks, revenue stamps, postage•Violent disturbances and similar collective actions or stamps, tickets (tickets and boarding passes for trains, ships and airviolent or destructive acts resulting from labor disputes. craft, vouchers for accommodation and use of tourist facilities, travel•Theft.
coupons, commuter passes and coupon tickets, but excluding pre•Breakage, defacement, etc.
paid cards and e-money), compensation is only paid if actual damage*1: The place where the building used for the residen- or loss has been caused by the theft. Further, in the case of deposit
tial occupancy of the insured is located, and the land certificates (including passbooks and cash cards), compensation iscontinuous to it.
only paid if the stolen item has been used to withdraw cash and only
*2: “private property for daily life” refers to furniture, the amount of the cash withdrawn, and then up to a limit of 100,000
appliances, clothing and other goods normally yen at each site.

22

Type of insurance payment
保険金の種類

Cases in which insurance payment will be paid
保険金をお支払いする場合

Insurance payment amounts
保険金のお支払額の上限変更に関する特 required for daily life. However, this excludes “Major Note 4: The insurance payment shall not exceed the insurance limit“personal property for daily life” not compensated by during the period of insurance. However, in the event of loss or dam約セット
aged due to breakage, defacement or theft, the limit shall be 500,000
insurance described elsewhere.
*3: This means accidents or avalanches due to the yen or the insurance limit, whichever is the lower sum, for each acciweight of snow or falling of snow after a heavy snow- dent.
fall, and excluding damage due to the leakage or Note 5: If there are other insurance policies with similar compensation
freezing of water from melted snow, flooding due to details (including special clauses for different types of insurance, andwater from melted snow, or accidents due to snow policies with different underwriting companies), duplication of compensation may occur. Please first check the differences in compensaclearing work.
*4: This means that there are the damage which is tion content and insurance amounts, and whether there is any need
30% or more of the replacement cost in flooding, melt- for subscription, before you subscribe.
ed snow flooding, high tides, landslides and falling
rocks, etc., caused by typhoons, storms or torrential 被害物の損害の額から免責金額※（破損、汚損等の場合にのみ、１回の事
rain, or there are damages to the object of insurance 故につき１万円）を差し引いた額をお支払いします。
due to inundation above floor level or over 45cm （注１）損害の額は、再調達価額※によって定めます。なお、被害物の損傷をabove the ground surface.
修理しうる場合においては、損害発生直前の状態に復するのに必要な修理費（残存物取片づけ費用を含みます。）をもって損害の額を定
保険期間中の日本国内における次のいずれかに該当する
め、修理に伴って発生した残存物がある場合は、その価額を差し引事故により、被保険者が所有し、敷地内（＊１）に収容される
いてお支払いします。この場合においても、損害の額が再調達価額（＊２）
生活用動産 に損害が発生した場合を超えるときは、再調達価額を損害の額とします。
・火災、落雷、破裂、爆発（注２）損害の額は、貴金属、宝玉、宝石、書画、骨董（とう）、彫刻品等につ・風災、雹（ひょう）災、雪災（＊３）（吹込みまたは雨漏り等にいては、１個、１組について３０万円が限度となります。
よる損害を含みません。）（注３）通貨、小切手、印紙、切手、乗車券等（鉄道・船舶・航空機の乗車船
・水災（＊４）券・航空券、宿泊券、観光施設利用券、旅行券、定期券または回数
・給排水設備の破損もしくは詰まりにより発生した漏水、券をいい、プリペイドカードおよび電子マネーは含まれません。）につ放水等または他人の戸室で発生した漏水、放水等によいては、盗難による損害が発生した場合に限り、損害保険金をお支る水ぬれ払いします。また、預貯金証書（通帳およびキャッシュカードを含みま・建物の外部からの物体の落下、飛来、衝突、接触もしくす。）については、盗難によって現金が引き出される損害が発生したは倒壊または建物内部での車両もしくはその積載物の場合に限り、引き出された額について損害保険金をお支払いしま
衝突もしくは接触す。なお、いずれの場合も１敷地内につき、１０万円が限度となりま・騒擾（じょう）およびこれに類似の集団行動または労働す。
争議に伴う暴力行為もしくは破壊行為（注４）保 険金のお支払額は、保険期間を通じ、保険金額が限度となりま・盗難す。ただし、盗難または破損、汚損等による損害の場合は、１回の事・破損、汚損等故につき、５０万円または保険金額のいずれか低い額が限度となり（＊１）被 保険者の居住の用に供される建物が所在する場
ます。
所およびこれに連続した土地をいいます。
（注５）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会（＊２）
「生活用動産」とは、生活の用に供する家具、什器、社以外の保険契約を含みます。）が他にある場合、補償の重複が生衣服、その他生活に通常必要な動産をいいます。たじることがあります。補償内容の差異や保険金額、加入の要否をごだし、別 記 の「補 償 対 象 外となる主な『生 活 用 動
確認いただいたうえでご加入ください。
産』」を含みません。
（＊３）豪雪の場合におけるその雪の重み、落下等による事
故または雪崩(なだれ)をいい、融雪水の漏入もしく
は凍結、融雪洪水または除雪作業による事故を含みません。
（＊４）台風、暴風雨、豪雨等による洪水・融雪洪水・高潮・
土砂崩れ・落石等によって、再調達価額の３０％以上の損害が発生した場合または床上浸水もしくは地盤
面より４５ｃｍを超える浸水を被り、保険の対象に損害が発生することをいいます。
(Insurance payment for
Where compensation (Insurance payment for Private Insurance payment is 10% of compensation Insurance amount .
Note 1: Insurance payment is limited to 200,000 yen for each acciprivate property for daily Property for Daily Life in Housing) is paid.
dent, per site.
life in housing) temporary expenses insurance （住宅内生活用動産保険金）損害保険金が支払われる場 Note 2: In the case of multiple policies (regardless of the underwriting
company or insurance company) for the compensation of temporary
payment合
expenses, these amounts are not simply added up, but the highest★Special clause (for unilimit among them will be taken as the upper limit for payment of temversity co-ops) for comporary expenses compensation.
pensation for private
Note 3: If there are other insurance policies with similar compensation
property for daily life indetails (including special clauses for different types of insurance, andhousing
policies with different underwriting companies), duplication of com☆Set of special clause forpensation may occur. Please first check the differences in compensainsurance coverage oftion content and insurance amounts, and whether there is any needspecial clause (for unifor subscription, before you subscribe.
versity co-ops) for compensation for private［損害保険金］×［１０％］をお支払いします。
property for daily life in（注１）保険金のお支払額は、１回の事故につき、
１敷地内ごとに２０万円がhousing and changes
in the upper limits of the
限度となります。
damages amount.
（注２）臨 時費用を補償する保険を複数（引受保険会社、他の保険会社を問いません。）ご契約の場合、臨時費用保険金のお支払額は単純に（住宅内生活用動産保険
合算されず、最も高い限度額が限度となります。
金）臨時費用保険金（注３）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会★住 宅内生活用動産補償
社以外の保険契約を含みます。）が他にある場合、補償の重複が生（大学生協用）特約
じることがあります。補償内容の差異や保険金額、加入の要否をご☆住 宅内生活用動産補償
確認いただいたうえでご加入ください。
（大学生協用）特約の保険の対象および損害額の上限変更に関する特
約セット

23

Type of insurance payment
保険金の種類

Cases in which insurance will be paid
保険金をお支払いする場合

Insurance payment amounts
保険金のお支払額

Where the insured* bears the cost in the event that any The part, which is deemed as reasonable according to social norms,of the following, (1) to (5), apply to the rescued party※. of the following costs, a) to e), which is borne by the insured will be(1) During the period of insurance, an aircraft or ship paid to the person who has borne the costs.
on which the rescued party is a passenger goes miss- a) Costs involved in the search, rescue or transfer of the rescued paring or gets lost.
ty※.
(2) During the period of insurance, due to a sudden b) Transportation costs (for up to two rescuers) (*) for one round trip
and unexpected incident, the life or death of the res- to and from the site※ of the rescue※
cued party cannot be confirmed, or the police or some c) Accommodation costs for a rescuer at the rescue site and duringother public agency have confirmed that immediate travel to the site (up to two rescuers, and up to 14 days per rescuer)
search and rescue operations are required.
(*).
(3) During the period of insurance, injury※ due to the d) Costs of transporting a rescued party who is deceased or is under
injury suffered outdoors, the rescued party dies or gets continuing treatment※ from the rescue site.
hospitalized three consecutive days or longer, within e) Miscellaneous expenses (rescuers’ travel procedure costs and
救援者費用等保険金
180 days of the accident, including the day of the ac- commutation and communication expenses incurred by the rescued
party or rescuers at the rescue site.) Note that, in cases outside of Ja★救 援 者 費 用 等 補 償（入 cident.
(4)
Duringtheperiodofinsurance,
death
has
occurred
pan falling under “Cases in which Insurance payment will be paid”,
院ワイド型）特約
due to illness.
the limit is 100,000 yen. In cases within Japan falling under “Cases in☆疾 病 補 償 特 約（救 援 者 (5) During the period of insurance, due to treatment of which Insurance payment will be paid”, the limit is 30,000 yen.
費用等補償（入院ワイド illness, the rescued party gets hospitalized three con- *: With regard to b) and c), above, in case (2) of “Cases in which insecutive days or longer. Note that this is limited to the surance will be paid”, this does not include costs incurred by rescu型）特約用）セット
cases that treatment begins during the period of insur- ers travelling to the site after the life or death of the rescued party isance.
confirmed, or once emergency operations to search for, rescue and*: ”The insured” here refers to the person compensat- transfer the rescued party, or rescue operations, have finished.
ed by this special clause, being the policyholder, the Note 1: The insurance payment that will be paid is limited to therescued party or the relatives※ of the rescued party.
amount of insurance payment of the rescuer’s expenses during theperiod of insurance. Note that, in the case of an insurance policy with
救援対象者※が次の①～⑤のいずれかに該当したことに a period that extends beyond one year, the insurance payment will belimited to the insurance amount in each insurance year※.
より、被保険者（＊）が費用を負担された場合
Note 2: If there are other insurance policies with similar compensation①保険期間中に救援対象者が搭乗している航空機または
details (including special clauses for different types of insurance, and
船舶の行方不明または遭難した場合
policies with different underwriting companies), duplication of com②保険期間中に急激かつ偶然な外来の事故により救援対 pensation may occur. Please first check the differences in compensa象者の生死が確認できない場合または緊急な捜索・救 tion content and insurance amounts, and whether there is any need
助活動を要することが警察等の公の機関により確認さ for subscription, before you subscribe.
Rescuers’ expenses
insurance payment★Special clause for compensation for rescuers’
expenses (hospitalization wide type)☆Set of special clause forillness for compensation(special clause for compensation for rescuers’
expenses (hospitalization wide type))

れた場合被保険者が負担された次のア～オの費用のうち社会通念上妥当な部分③保 険期間中に被った外出中のケガ※のため、事故の発 を、その費用の負担者にお支払いします。
生の日からその日を含めて１８０日以内に死亡または続 ア．遭難した救援対象者※の捜索、救助または移送する活動に要した費用
けて３日以上入院※された場合（＊）
イ．救援者※の現地※までの１往復分の交通費（救援者２名分まで）④保険期間中に病気により死亡した場合
ウ．救援者の現地および現地までの行程での宿泊料（救援者２名分かつ１⑤保険期間中に発病した病気の治療※のため、
３日以上続
（＊）
名につき１４日分まで）けて入院した場合。ただし、保険期間中に治療を開始し エ．死亡されたまたは治療※を継続中の救援対象者を現地から移送する費ていた場合に限ります。
用（＊）
「被保険者」とは、この特約により補償を受ける方で、 オ．諸雑費（救援者の渡航手続費および救援対象者または救援者が現地
保険契約者、救援対象者または救援対象者の親族※をにおいて支出した交通費・通信費等をいいます。）ただし、日本国外でいいます。
左記「保険金をお支払いする場合」に該当した場合は10万円が限度となり、日本国内で左記「保険金をお支払いする場合」に該当した場合は３万円が限度となります。
（＊）上記イ、ウについては、左記「保険金をお支払いする場合」の②の場合において救援対象者の生死が判明した後または救援対象者の緊急な捜索・救助・移送もしくは救助活動が終了した後に現地に赴く救援者にかかる費用は含みません。
（注１）保険金のお支払額は、保険期間を通じ、救援者費用等保険金額が限度となります。ただし、保険期間が１年を超える保険契約においては、保険年度※ごとに保険金額が限度となります。
（注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。

◆Cases in which insurance payment will not be paid
◆保険金をお支払いしない主な場合
Type of insurance payment
保険金の種類Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合

Tenant liability insurance
payment★Special clause for compensation for tenant liability (all risk)•Damage caused by the intentional action of the policyholder or the insured, or their legal representative. •Damage liability
arising from the insanity or instructions of the insured. •Damage arising from alterations, extensions and demolition work in
the rented housing. •Liability for damages added by a special agreement between the insured and the landlord. •Liability fordamages discovered after the rented housing has been vacated and returned to the landlord. •Damage resulting from war,other forms of civil strife※, or riots. •Damage due to the effects of an earthquake or volcanic eruption, or of a tsunami causedby these. •Damage resulting from the radiation, explosion, etc., of nuclear fuel materials or similar. •Damage to the rented
借家人賠償責任保険金
housing due to natural wear, deterioration, discoloration, rust, mold, rot, cracks, peeling, fermentation or spontaneous heat★借 家 人 賠 償 責 任 補 償 generation due to natural properties, rodent damage, insect damage or defects, etc. •Scrapes, scratches, peeling paint, warping, sagging, dents and other cosmetic defects or defacement that might normally be expected in the rented housing as a re（オールリスク）特約
sult of general usage or management, but not resulting in any loss or deterioration of the functionality of the rented housing.

24◆Cases in which insurance will not be paid

◆Cases in which insurance payment will not be paid

◆保険金をお支払いしない主な場合
Type of insurance payment
保険金の種類◆保険金をお支払いしない主な場合
Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合

Tenant liability insurance ●保険契約者、被保険者またはこれらの方の法定代理人の故意による損害●被保険者の心神喪失または指図に起因する損害賠償責
payment
任●借用住宅の改築、増築、取りこわし等の工事による損害●被保険者と貸主との損害賠償に関する約定によって加重された損害賠★Special clause for com- 償責任●貸主に借用住宅を引き渡した後に発見された損壊による損害賠償責任●戦争、その他の変乱※、暴動による損害●地震もしpensation for tenant liaくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害●借用住宅の自然の消耗、劣化、
bility (all risk)
性質による変色・さび・かび・腐敗・ひび割れ・はがれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●借用住宅の平常の借家人賠償責任保険金
使用または管理において通常発生し得るすり傷、かき傷、塗料のはがれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または汚損★借 家 人 賠 償 責 任 補 償 であって、借用住宅が有する機能の喪失または低下を伴わない損害 など（オールリスク）特約•Damage resulting from the intentional action, gross negligence or law violation action of the policyholder, the insured, thelandlord of the rented housing, the recipient of the insurance or their representative. •Damage resulting from war, other formsof civil strife※, or riots (damages resulting from terrorist acts may be covered by a partial amendment special clause relating to
the exemption from war risk, etc., with conditions.). •Damage due to the effects of an earthquake or volcanic eruption, or of atsunami caused by these. •Damage resulting from the radiation, explosion, etc., of nuclear fuel materials or similar. •Damage
as a result of the exercise of official authority (seizure, confiscation, destruction, etc.). •Damage due to natural wear, deterioration, discoloration, rust, mold, rot, cracks, peeling, fermentation or spontaneous heat generation due to natural characteristics,
借用住宅修理費用保険金 rodent damage, insect damage or defects, etc. •Damage resulting from technical negligence or ineptitude in the course of★借 用住宅修理費用補償 processing, repair, adjustment or other work being done on the rented housing. •Damage resulting from electrical or mechanical accidents (breakdowns, etc.) in the rented housing not directly attributable to sudden and unexpected external accidents.
（大学生協用）特約•Damage to the rented housing due to fraud or embezzlement. •Damage due to land subsidence, uplift, vibration, etc.
•Scrapes, scratches, peeling paint, warping, sagging, dents and other cosmetic defects or defacement (including graffiti) thatmight normally be expected in the rented housing as a result of general usage or management, but not resulting in any loss ordeterioration of the functionality of the rented housing. •Inevitable soiling, scrapes and scratches resulting from the use of therented housing. •Damage only to light bulbs, CRTs and other tubes or bulbs. •Damage due to the penetration or leakage ofwind, rain, snow, hail, dust or similar.
Rented housing repair
cost insurance payment★Special clause (for university co-ops) for compensation for rented
housing repair cost

●保険契約者、被保険者、借用住宅の貸主、保険金を受け取るべき方またはこれらの方の法定代理人の故意、重大な過失または法令違反による損害●戦争、その他の変乱※、暴動による損害（テロ行為による損害は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害●公権力の行使（差し押え・没収・破壊等）による損害●借用住宅の自然の消耗、劣化、性質による変色・さび・かび・
腐敗・ひび割れ・剥がれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●借用住宅に対する加工・修理・調整の作業中における、作業上の過失または技術の拙劣による損害●不測かつ突発的な外来の事故に直接起因しない借用住宅の電気的事故・機械的事故（故障等）による損害●詐欺または横領によって借用住宅に発生した損害●土地の沈下、隆起、振動等による損害●借用住宅の平常の使用または管理において通常発生し得るすり傷、かき傷、塗料の剥がれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または汚損（落書きを含みます。）であって、借用住宅が有する機能の喪失または低下を伴わない損害●借用住宅の使用により不可避的に発生した汚損、すり傷、かき傷等の損害●電球、ブラウン管等の管球類のみに発生した損害●風、雨、雪、雹(ひょう)、砂塵(じん)その他これらに類するものの吹込みや漏入による損害
など
Water pipe repair cost
insurance payment★Special clause (foruniversity co-ops) for
compensation for rented housing repair cost

•Damage resulting from the intentional action, gross negligence or law violation action of the policyholder, the insured, the recipient of the insurance payment or their representative. •Damage resulting from war, other forms of civil strife※, or riots (damages resulting from terrorist acts may be covered by a partial amendment special clause relating to the exemption from war
risk, etc., with conditions.). •Damage due to the effects of an earthquake or volcanic eruption, or of a tsunami caused bythese. •Damage resulting from the radiation, explosion, etc., of nuclear fuel materials or similar.

(Insurance payment for private property for daily life
in housing) compensation
insurance payment★Special clause (for university co-ops) for compensation for private property
for daily life in housing☆Set of special clause for
insurance coverage of
special clause (for university co-ops) for compensation for private property
for daily life in housing
and changes in the upper limits of the damages
amount.

•Damage resulting from the intentional action or gross negligence of the policyholder, the insured or the recipient of the insurance. •Intentional damage on the part of those entrusted to use or manage private property for daily life, or of relatives※ livingwith the insured. •Damage to private property for daily life due to natural wear, deterioration, discoloration, rust, mold, rot,
cracks, peeling, fermentation or spontaneous heat generation due to natural characteristics, rodent damage, insect damage ordefects, etc. •Scrapes, scratches, peeling paint, warping, sagging, dents and other cosmetic defects or defacement (including
graffiti) covered by insurance that might normally be expected in private property for daily life as a result of general usage ormanagement, but not resulting in any loss or deterioration of functionality. •Damage due to the penetration or leakage of wind,rain, snow, hail, dust or similar. •Damages due to misplaced or lost of private property for daily life. •Damages due to an accident occurring while the private property for daily life is outside of the site where the building used for the residential occupancyof the insured is located. •Damage resulting from war, other forms of civil strife※, or riots (damages resulting from terrorist acts
may be covered by a partial amendment special clause relating to the exemption from war risk, etc., with conditions.). •Damage
due to the effects of an earthquake or volcanic eruption, or of a tsunami caused by these. •Damage resulting from the radiation,
explosion, etc., of nuclear fuel materials or similar. •With regard to incidents of damage or defacement, as per the separate“Main items of “personal property for daily life” not compensated by insurance.

●保険契約者、被保険者、保険金を受け取るべき方またはこれらの方の法定代理人の故意、重大な過失または法令違反による損害
水道管修理費用保険金●戦争、その他の変乱※、暴動による損害（テロ行為による損害は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払★借 用住宅修理費用補償対象となります。）●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害 など（大学生協用）特約

With regard to incidents of breakage of defacement, etc., in addition to the types of damage described above, insurance payment will not be paid for the following types of damage either. •Damage as a result of the exercise of official authority (seizure,confiscation, destruction, etc.). •Damage resulting from technical negligence or ineptitude in the course of repair, adjustment
or other work (including in the course of inspections and test-runs) being done on private property for daily life. •Damage resulting from electrical or mechanical accidents (breakdowns, etc.) to private property for daily life not directly attributable tosudden and unexpected external accidents. •Damage to private property for daily life due to fraud or embezzlement. •Damage due to land subsidence, uplift, vibration, etc. •Damage only to light bulbs, CRTs and other tubes or bulbs. •Damage resulting from the breakage of strings (including piano wire) of musical instruments, rupture of the membranes of percussion instruments, or changes in the tone or sound quality of musical instruments. •Damage due to the discharge or mixture ofliquids used as personal property for daily life. Note that this excluded damage to other private property for daily life as a result of the discharge or mixture. •Notwithstanding the above, damage to personal physical aids such as spectacles, contactlenses, hearing aids, false teeth, prosthetic limbs, etc., as a result of incidents of breakage or defacement.

（住宅内生活用動産保険金）損害保険金★住 宅内生活用動産補償（大学生協用）特約☆住 宅内生活用動産補償（大学生協用）特約の保険の対象および損害額の上限変更に関する特●保険契約者、被保険者または保険金を受け取るべき方の故意または重大な過失による損害●生活用動産の使用・管理を委託された
約セット
方または被保険者と同居する親族※の故意による損害●生活用動産の自然の消耗、劣化、性質による変色・さび・かび・腐敗・ひび割
れ・剥がれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●生活用動産の平常の使用または管理において通常発生し得る

25Type of insurance payment
保険金の種類Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合(Insurance payment for private property for すり傷、かき傷、塗料の剥がれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または保険の対象の汚損（落書きをdaily life in housing) compensation insur- 含みます。）であって、生活用動産が有する機能の喪失または低下を伴わない損害●風、雨、雪、雹（ひょう）、砂塵（じance paymentん）その他これらに類するものの吹込みや漏入による損害●生活用動産の置き忘れまたは紛失による損害●生活用★Special clause (for university co-ops) for
そのcompensation for private property for 動産が被保険者の居住の用に供される建物が所在する敷地内の外にある間に発生した事故による損害●戦争、他の変乱※、暴動による損害（テロ行為による損害は、条件付戦争危険等免責に関する一部修正特約により、保険金
daily life in housing☆Set of special clause for insurance cov- の支払対象となります。）●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆
erage of special clause (for university co- 発性等による損害●別記の「補償対象外となる主な『生活用動産』」の損害
ops) for private property for daily life in
housing and changes in the upper limits 破損、汚損等の事故については、上記の損害のほか次のいずれかに該当する損害に対しても、保険金をお支払いしません。
of the damages payment amount.
●公権力の行使（差し押え・没収・破壊等）による損害●生活用動産に対する修理、調整の作業（点検または試運転（住宅内生活用動産保険金）損害保険金を伴う場合には、これらを含みます。）上の過失または技術の拙劣によって発生した損害●偶然な外来の事故に直接★住宅内生活用動産補償（大学生協用）特 起因しない生活用動産の電気的事故・機械的事故(故障等)による損害●詐欺または横領によって生活用動産に発約生した損害●土地の沈下、隆起、振動等による損害●電球、ブラウン管等の管球類のみに発生した損害●楽器の弦☆住宅内生活用動産補償（大学生協用）特 （ピアノ線を含みます。）の切断・打楽器の打皮の破損・楽器の音色または音質の変化による損害●生活用動産であ約の保険の対象および損害額の上限変 る液体の流出または混合による損害。ただし、その結果として他の生活用動産に発生した損害を含みません。●上更に関する特約セット
記にかかわらず、破損、汚損等の事故によって、眼鏡、コンタクトレンズ、補聴器、義歯、義肢等の身体補助器具に発生した損害
など
など(Insurance payment for private property for (Same as (Insurance payment for Private Property for Daily Life in Housing) Compensation Insurance)
daily life in housing) temporary expenses
insurance payment（（住宅内生活用動産保険金）損害保険金に同じ）★Special clause (for university co-ops) for
compensation for private property fordaily life in housing☆Set of special clause for insurance coverage of special clause (for university coops) for compensation for private property for daily life in housing and changes
in the upper limits of the damages payment amount.
（住宅内生活用動産保険金）臨時費用保険金★住宅内生活用動産補償（大学生協用）特約☆住宅内生活用動産補償（大学生協用）特約の保険の対象および損害額の上限変更に関する特約セット•Costs arising from the intentional action or gross negligence of the policyholder, the insured, the rescued party※ or the recipient of the insurance payment. •Costs arising from personal altercation, suicide or criminal acts.
•Costs arising from accidents caused by driving automobile※ or similar vehicles※ without a license or without
qualifications, or driving under the influence※ of alcohol※ or drugs, etc. •Costs arising from brains disorder, illness, or insanity (note that this does not include cases where items (4) or (5) of “Cases in which insurance payment will be paid” apply to the rescued party. •Costs arising from pregnancy, childbirth, premature birth or
miscarriage. •Costs arising from a surgical procedure or other medical treatment other than the treatment of
injuries for which the underwriting insurance company should pay insurance*. •Costs incurred due to war, other forms of civil strife※, or riots (injuries resulting from terrorist acts may be covered by a partial amendment
救援者費用等保険金
special clause relating to the exemption from war risk, etc., with conditions.) •Costs incurred due to earth★救援者費用等補償（入院ワイド型）特約
quake or volcanic eruption, or a tsunami caused by these. •Costs incurred due to the radiation, explosion, etc.,☆疾病補償特約（救援者費用等補償（入院 of nuclear fuel materials or similar. •Injury resulting from conditions that are not supported by medical objectiveワイド型）特約用）セット
findings※, such as cervical syndrome※, lower-back pain, or backaches, no matter the cause. •Drowning whilebathing※ (excluding where this was caused by an injury resulting from a sudden and unexpected external
event.) •Pneumonia resulting from aspiration (mis-swallowing)※, no matter the cause. •Costs arising from accidents during the course of “Sporting activities, etc., not compensated by insurance” described elsewhere.
Rescuers’ expenses insurance payment★Special clause for compensation for rescuers’ expenses (hospitalization widetype)
☆Set of special clause for compensation
for illness (special clause for rescuers’
expenses (hospitalization wide type)●保険契約者、被保険者、救援対象者※または保険金を受け取るべき方の故意または重大な過失による費用●闘争行為、自殺行為または犯罪行為による費用●自動車等※の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中の事故による費用●脳疾患、病気または心神喪失による費用。ただし、救援対象者が「保険金をお支払いする場
合」の④または⑤に該当した場合を含みません。● 妊娠、出産、早産または流産による費用●引受保険会社が保険金を支払うべきケガの治療※以外の外科的手術その他の医療処置による費用●戦争、その他の変乱※、暴動による費用（テロ行為による費用は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地
震もしくは噴火またはこれらを原因とする津波による費用●核燃料物質等の放射性・爆発性等による費用●原因がいかなるときでも、頸（けい）部症候群※、腰痛その他の症状を訴えている場合に、それを裏付けるに足りる医学的他覚所
見のないもの※●入浴中の溺水※（ただし、急激かつ偶然な外来の事故によって被ったケガによって生じた場合を除きます。）●原因がいかなるときでも、誤嚥（えん）※によって生じた肺炎●別記の「補償対象外となる運動等」を行っている間の事故による費用 など◎Main items of “personal property for daily life” not compensated by insurance(1) Personal property for daily life belonging to the insured and kept at the site of the insured’s parents’ home※.
(2) Ships (including yachts, motorboats, personal water craft, boats and canoes), aircraft, automobiles, motorized bikes and their accessories, para-gliders,surf boards, radio-controlled models and their accessories, mobile phones and other types of mobile communication devices, notebook computers andother types of portable electronic devices and their accessories, living things such as animals and plants, currency, checks, securities, revenue stamps,
postage stamps, deposit certificates (including passbooks and cash cards), credit cards, pre-paid cards, loan cards, e-money, tickets, fishing tackle (fishingrods, hooks, rod cases, reels, tackle boxes, coolers, creels, nets, life vests and similar equipment for fishing), driving licenses, passports, passbooks, manuscripts (of books, etc.), designs, drawings, patterns, molds, wooden molds, papier-mâché molds, models, medals, insignia, licenses, programs and data
recorded on computer media such as tapes, cards, disks and drums (those not sold commercially), etc.

26Note: With regard to currency, checks, revenue stamps, postage stamps, deposit certificates and tickets, etc., compensation is only paid if damage or loss
has been caused by the theft.
◎補償対象外となる主な「生活用動産」…
（１）被保険者の実家※の敷地内に収容される被保険者の生活用動産（２）船舶（ヨット、モーターボート、水上バイク、ボートおよびカヌーを含みます。）
・航空機・自動車・原動機付自転車およびこれらの付属品、パラグライダー・サーフ
ボード・ラジコン模型およびこれらの付属品、携帯電話等の携帯式通信機器・ノート型パソコン等の携帯式電子事務機器およびこれらの付属品、動物・植物等の生物、通貨、小切手、有価証券、印紙、切手、預貯金証書（通帳およびキャッシュカードを含みます。）、クレジットカード、プリペイドカード、ローンカード、電子マネー、乗車券等、漁具（釣竿、竿掛け、竿袋、リール、釣具入れ、クーラー、びく、たも網、救命胴衣およびこれらに類似のつり用に設計された用具をいいます。）、運転免許証、パスポート、帳簿、稿本（本などの原稿）、設計書、図案、ひな形、鋳型、木型、紙型、模型、勲章、き章、免許状、テープ・カード・ディスク・ド
ラム等のコンピュータ用の記録媒体に記録されているプログラム・データ（市販されていないものをいいます。）
など（注）通貨、小切手、印紙、切手、預貯金証書、乗車券等については盗難による損害が発生した場合に限り、保険の対象として取り扱います。
※

Explanation of terms marked with•“No medical objective findings” means that, even though the insured is complaining of subjective symptoms, the evidence of these cannot be verified objectively by EEG
findings, physical examination, neurological examination, clinical examination, imaging examination, ophthalmic or otolaryngological examination, etc.
•“Doctor” means a doctor other than the insured(*), if the insured(*) happens to be a doctor. (*) The rescued party※ in the case of special clause for Compensation for Rescuers’
Expenses (Hospitalization wide type). Further, the victim in the case of special clause for compensation for condolence gifts to injured parties. •“Plaster cast or similar” refers
to plaster casts, plaster splints, plaster shells, splints and other similar items (meaning items that provide the same degree of rest as rigid corsets, external fixators, and othermedical casts, but not including bust bands, soft corsets, supporters, cervical collars, cardboard splints, knee braces, etc.) •“Rescuers” means the families※ (including theirrepresentatives) of the rescued party travelling to the site※ in order to conduct search, rescue, transfer or nurse of the rescued party※, or handling of the incident. •“Rescued
party” means the insured according to the general insurance policy. •“Sporting contests and the like” means games, competitions, show business events (*) or trial runs.
It includes free practice held at sports grounds for the purposes of preparation for competitions. (*) Also includes practice sessions for any of these. •“Cervical syndrome”
refers to so-called “whiplash”. •“Injury” refers to physical injury suffered as a result of a sudden and unexpected event. “Sudden” means that the event occurred very rapidly
and there was no lapse of a time interval up to the point of injury. “Unexpected” means that “neither the cause nor the result of the insured event could have been foreseenby the insured, and that it was not due to any intention of the insured”. “External” means that “the cause of the insured event was an action that occurred outside of theinsured’s body, and not the action of any illness factors inherent in the body”. “Injury” includes sudden poisoning (*) resulting from the unexpected and temporary inhalation,
absorption or ingestion of toxic gases or substances external to the body, and does not include any of the following. (1)Bacterial food poisoning (2)Viral food poisoning(*)
excluding poisoning resulting from continuous inhalation, absorption or ingestion. •“A prescribed part of the body that has been injured” refers to any of the following partsof the body (not including the fingers, face, etc.). •Long bones (humerus, radius, ulna, femur, tibia and fibula, and hereafter the same), as well as the three major joints of theupper and lower limbs that connect to the spine and long bones (but not including the metatarsal and metacarpal bones, or fingertips or toes beyond these). However, this islimited to cases when a fixation device, such as a plaster cast or similar※ including long bones is fitted. •Ribs – sternum (but not including clavicle or scapula). However, thisis limited to cases where a fixation device, such as a plaster cast or similar, is fitted to the trunk. •The “site” refers to the place where an accident has occurred, or where therescued party※ is being kept. •“Disability” means a state in which the effect of treatment※ cannot be expected medically, and where a symptom remaining in the insured’s
body has resulted in a serious impairment of function and will not recover in the future, or to the loss of a part of the body. Note that this excludes cases where the insured
complains of a symptom that cannot be corroborated by medical objective findings※. •“Aspiration” means when food, vomit, saliva, etc., has mistakenly entered the trachea.
• “Replacement cost” refers to the amount of money that would be necessary in order to re-acquire the same structure, quality, use, scale, model and capacity as the insured
item at the time and place of the damage. Note, also, that the amount of money required for re-acquisition may be lower than the price of the insured item when it was firstpurchased. •“Parents’ home” means the building at the address given by the insured as the contact address of their parents or persons whose position is equivalent to theinsured’s parents, to the school in which they are enrolled, or to the policyholder. •“Automobiles, etc.” means an automobile or a motorized bike. •“Driving under the influenceof alcohol” means driving an automobile※ while under the influence of alcohol, as stipulated in Article 65, paragraph 1 (Prohibition of Driving While Intoxicated, etc.) of theRoad Traffic Law. •“Vehicles” means automobiles※, motorboats (including jet skis), go-carts, snow mobiles and other similar vehicles. •“Relative” means a blood relative
within six degrees, a spouse※ or an in-law within three degrees. •“Other forms of civil strife” means the exercise of military force by a foreign power, revolution, insurrection,
civil war, armed rebellion or other similar events. •”Treatment” means treatment that a doctor※ recognizes as necessary, and that a doctor performs. •“Out-patient” refers toreceiving medical treatment by going to a hospital or clinic, or by a doctor’s house-call or home treatment*, and also includes on-line medical examination. However, it does
not include drugs, examination certificates or receipts, etc., for medical equipment that are not part of the medical treatment. Note that, if multiple on-line examinations areundergone in the same month and if the on-line examinations are counted as one instance in the medical remuneration points chart in the public medical insurance system,
the first examination only will be regarded as out-patient treatment.
•“Drowning” means suffocation as a result of inhaling water. •“Hospitalization” means, in cases where it would be difficult to receive medical treatment※ at one’s home, etc.,
entering a hospital or clinic and committing to constant medical treatment under the care of a doctor※. •“Spouse” means a partner in marriage, including cases where no
marriage notification has been issued, but the relationship is effectively the same as a marriage (common-law marriage), as well as persons who are of the same gender in thefamily register, but whose relationship is not substantially different from that of a marriage. •The first “insurance year” is the period of one year counted from the first day of theperiod of insurance, with subsequent years until the termination of the policy being the second insurance year, third insurance year, etc. Note that, in the event of an insurance
policy that has a period of insurance with a number of days fewer than one year, the first insurance year will be from the starting date of the policy until the final day, and thesecond insurance year will be for one year from the day after the last day of the first insurance year, continuing the same thereafter. •The “deductible” is an amount deductedfrom the amount of damages when the insurance payment is being calculated, and is the amount to be paid by the insured themselves.

〈※印の用語のご説明〉●「医学的他覚所見のないもの」とは、被保険者が自覚症状を訴えている場合であっても、脳波所見、理学的検査、神経学的検査、臨床検査、画像検査、眼科・耳鼻科検査等によりその根拠を客観的に証明することができないものをいいます。●「医師」とは、被保険者（＊）が医師の場合は、被保険者（＊）以外の医師をいいます。
（＊）救援者費用等補償（入院ワイド型）特約の場合は救援対象者※とします。また、傷害見舞費用補償特約の場合は被害者とします。●「ギプス等」とは、ギプス、ギプスシーネ、ギプスシャーレ、シーネその他これらに類するもの（硬性コルセット、創外固定器、その他医学上ギプスと同程度の安静を保つために用いるものをいい、
バストバンド、軟性コルセット、サポーター、頸（けい）椎カラー、厚紙副子、ニーブレース等は含まれません。）をいいます。●「救援者」とは、救援対象者※の捜索、救助、移送、看護または事故処理を行うために現地※へ赴く救援対象者の親族※（これらの方の代理人を含みます。）をいいます。●「救援対象者」とは、普通保険約款における被保険者をいいます。●「競技等」とは、競技、競争、興行（＊）または試運転をいいます。また、競技場におけるフリー走行など競技等に準ずるものを含みます。
（＊）いずれもそのための練習を含みます。●「頸（けい）部症候群」とは、いわゆる「むちうち症」をいいます。●「ケガ」とは、急激かつ偶然な外来の事故によって身体に被った傷害をいいます。
「急激」とは、「事故が突発的で、傷害発生までの過程において時間的間隔がないこと」を意味します。
「偶然」とは、「保険事故の原因または結果の発生が被保険者にとって予知できない、被保険者の意思に基づかないこと」を意味します。
「外来」とは、「保険事故の原因が被保険者の身体外部からの作用によること、身体に内在する疾病要因の作用でないこと」を意味します。
「傷害」には、身体外部から有毒ガスまたは有毒物質を偶然かつ一時に吸入、吸収または摂取した場合に急激に生ずる中毒症状（＊）を含み、次のいずれかに該当するものを含みません。 ①細菌性食中毒 ②ウイルス性食中毒（＊）継続的に吸入、吸収または摂取した結果生ずる中毒症状を除きます。●「ケガを被った所定の部位」とは、次のいずれかの部位（指、顔面等は含まれません。）をいいます。・長管骨（上腕骨、橈骨、
尺骨、大腿骨、脛骨および腓骨をいいます。以下同様とします。）または脊柱・長管骨に接続する上肢または下肢の3大関節部分（中手骨、中足骨およびそれらより指。ただし、体幹部にギプ
先側は含まれません。）。ただし、長管骨を含めギプス等※の固定具を装着した場合に限ります。・肋骨・胸骨（鎖骨、肩甲骨は含まれません。）
ス等の固定具を装着した場合に限ります。●「現地」とは、事故発生地または救援対象者※の収容地をいいます。●「後遺障がい」とは、治療※の効果が医学上期待できない状態であって、被保険者の身体に残された症状が将来においても回復できない機能の重大な障害に至ったものまたは身体の一部の欠損をいいます。ただし、」とは、食物、吐物、唾液等が誤って被保険者が症状を訴えている場合であっても、それを裏付けるに足りる医学的他覚所見のないもの※を除きます。●「誤嚥（えん）
気管内に入ることをいいます。●「再調達価額」とは、損害が発生した時の発生した場所における保険の対象と同一の構造、質、用途、規模、型、能力のものを再取得するのに必要な金額をいいます。なお、再取得に必要な額は、被害物を購入したときの金額より低い金額となる場合があります。●「実家」とは、被保険者の親またはこれに準ずる方の連絡先として、被保険者が在籍する学校または保険契約者に届け出た住所に所在する建物をいいます。●「自動車等」とは、自動車または原動機付自転車をいいます。●「酒気帯び運転」とは、道路交通法第６５条（酒気帯び運転等の禁止）第１項に定める酒気を帯びた状態で自動車等※を運転することをいい（水上オートバイを含みます。）、ゴーカート、スノーモービル、その他これらに類するものをいいます。●「親族」とます。●「乗用具」とは、自動車等※、モーターボート

27

は、6親等内の血族、配偶者※および3親等内の姻族をいいます。●「その他の変乱」とは、外国の武力行使、革命、政権奪取、内乱、武装反乱その他これらに類似の事変をいいます。●「治療」とは、医師※が必要であると認め、医師が行う治療をいいます。●「通院」とは、病院もしくは診療所に通い、または往診もしくは訪問診療
により、治療※を受けることをいい、オンライン診療による診察を含みます。ただし、治療を伴わない、薬剤、診断書、医療器具等の受領等のためのものは含みません。
なお、同月に複数回のオンライン診療を受けた場合で、公的医療保険制度における医科診療報酬点数表においてオンライン診療料を１回算定された場合は、最初の１回のみ通院したものとみなします。●「溺水」とは、水を吸引したことによる窒息をいいます。●「入院」とは、自宅等での治療※が困難なため、病院または診療所に入り、常に医師※の管理下において治療に専念することをいいます。●「配偶者」とは、婚姻の相手方をいい、婚姻の届出をしていないが事実上婚姻関係と同様の事情（内縁関係）にある方および、戸籍上の性別が同一であるが婚姻関係と異ならない程度の実質を備える状態にある方を含みます。 ●「保険年度」とは、保険期間の初日から起算して１年間を第１保険年度といいます。その後は満期日まで順次１年間ずつ、第２保険年度、第３保険年度…といいます。ただし、保険期間に１年未満の端日数がある保険契約の場合には、第１保険年度については、始期日からその端日数期間、第２保険年度については、第１保険年度の末日の翌日から１年間とし、以後同様とします。●「免責金額」とは、支払保険金の計算にあたって損害の額から差し引く金額で、自己負担となる金額をいいます。

Special clauses*(Students and children comprehensive insurance)•The special clause for compensation for natural disaster risk is a set, so injury insurance payment will be made even for injury※ resulting from earthquakes
or eruptions, or tsunami triggered by these. •All policies have a “Partial amendment special clause relating to the exemption from war risk, etc., with conditions” automatically included as a set. With regard to “war and other forms of civil strife※, or riots”, which are excluded from the payment of insurance, actsof terrorism will be eligible for payment. Acts of terrorism are acts of violence related to beliefs or assertions and perpetrated by groups or individuals, or
those in solidarity with them, who have political, social, religious or ideological beliefs or assertions. •The term “保障” that appears in the Personal Liability
Insurance for Students “Summary of the system” and “Explanation of Important Matters” appears as “補償” in the policy. In this pamphlet, for the purposes of convenience, “保障” is used.
〈特約について（学生・こども総合保険）〉○天災危険補償特約がセットされているため、地震もしくは噴火またはこれらを原因とする津波によるケガ※の場合も、傷害保険金をお支払いします。○すべてのご契約に「条件付戦争危険等免責に関する一部修正特約」が自動的にセットされ、保険金をお支払いしない場合のうち「戦争、その他の変乱※、暴動」については、テロ行為はお支払いの対象となります。テロ行為とは、政治的、社会的もしくは宗教・思想的な主義・主張を有する団体・個人またはこれと連帯するものがその主義・主張に関して行う暴力的行動をいいます。
・学生賠償責任保険の「制度のあらまし」「重要事項説明書」にある「保障」は、約款上の表記は「補償」です。このパンフレットでは便宜上「保障」としています。

•Notes on the handling of customer information (Personal Liability Insurance for Students)
Applications are made based on the understanding that the applicant agrees to the following actions by the underwriting insurance company in the handling of personal information related to this insurance policy.
[Handling of personal information]
In addition to use by the underwriting insurance company for screening and enforcement of the underwriting, personal information related to this insurance
policy will also be used by the underwriting insurance company and each of its group companies (including overseas companies) to provide and offer information about products and services other than this insurance policy, to screen insurance underwriting, and enforce the insurance policy, and to provide
information about products and services of affiliated parties and subcontractors. In addition, personal information relating to this insurance policy may beprovided to the University Co-operatives Mutual Aid Federation and its member university co-operatives. Further, personal information obtained by the underwriting insurance company at the time insurance payment is claimed may similarly be provided to the University Co-operatives Mutual Aid Federationand its member university co-operatives. Note that, pursuant to relevant legislation, the purpose of using sensitive information, such as healthcare information (including personal information requiring special care) is limited to ensuring the proper operation of business, and such other purposes as may bedeemed necessary. In addition, such information may be provided to parties such as those subcontracted to carry out business processes (including insurance agents), insurance brokers, medical institutions, and relevant parties (including those overseas) related to the claiming and paying of insurance, within
the scope that is necessary for achieving the purposes of using personal information in relation to this insurance policy. For details, please visit the Mitsui
Sumitomo Insurance Co., Ltd. website (http://www.ms-ins.com) or the underwriting insurance company website.

●お客様に関する情報の取扱いについて（学生賠償責任保険）
この保険契約に関する個人情報について、引受保険会社が次の取扱いを行うことに同意のうえお申込みください。
【個人情報の取扱いについて】この保険契約に関する個人情報は、引受保険会社がこの保険引受の審査および履行のために利用するほか、引受保険会社および引受保険会社のグループのそれぞれの会社（海外にあるものを含む）が、この保険契約以外の商品・サービスのご案内・ご提供や保険引受の審査および保険契約の履行のために利用したり、提携
先・委託先等の商品・サービスのご案内のために利用することがあります。また、この保険契約に関する個人情報を全国大学生協共済生活協同組合連合会およびその会員である大学生協に提供することがあります。なお、保険金をご請求される際に引受保険会社が取得する個人情報についても、同様に全国大学生協共済生活協同組合連合会およびその会員である大学生協に提供することがあります。ただし、保健医療等のセンシティブ情報（要配慮個人情報を含む）の利用目的は、法令等に従い、業務の適切な運営の確保その他必要と認められる範囲に限定します。また、この保険契約に関する個人情報の利用目的の達成に必要な範囲内で、業務委託先（保険代理店を含む）、保険仲立人、医療機関、保険金の請求・支払いに関する関係先等（いずれも海外にあるものを含む）に提供することがあります。詳細は、三井住友海上ホームページ（https://www.ms-ins.com）
または引受保険会社のホームページをご覧ください。

This pamphlet is for the purposes of giving an outline explanation of Personal Liability Insurance for Students. For details, contact your insurance agent or Mitsui Sumitomo
Insurance. Also, once you subscribe, be sure to read the “Explanation of Important Matters” for Personal Liability Insurance for Students.
このパンフレットは、学生賠償責任保険の概要を説明したものです。詳しくは、取扱代理店または三井住友海上にご照会ください。なお、ご加入の際は学生賠償責任保険の「重要事項説明書」を必ずご一読ください。

Queries お問い合わせは
Insurance
agent
取扱代理店

Underwriting
insurancecompany
引受保険会社

University Co-opetative Insurance Service Co.,Ltd.

Operating hours: weekdays (Mondays to Fridays) 10:00 to 17:00
3-30-22 Wada, Suginami-ku, Tokyo 166-8532

株式会社 大学生協保険サービス
営業時間／平日（月〜金曜日）10：00〜17：00 〒166-8532 東京都杉並区和田3-30-22

Personal Liability Insurance for Students 学生賠償責任保険

A20-101952

Mitsui Sumitomo Insurance Co., Ltd. (lead underwriter)

3-11-1 Kandasurugadai, Chiyoda-ku, Tokyo 101-8011
三井住友海上火災保険株式会社（幹事）〒101-8011 東京都千代田区神田駿河台3-11-1

28

Explanation of Important Matters
重要事項説明書Student Comprehensive Mutual Insurance (for new policies)
学生総合共済（新規契約用）

The Explanation of Important Matters contains information that you needin order to understand the content of mutual insurance in “Policy Outline”,
and matters that you need to pay special attention to (matters which may
be disadvantageous to you, etc.) in “Alert Information”. Please read thesecarefully before you subscribe.
This document does not contain all of the information relating to your policy. For full details, please refer to the “Guide to Student Comprehensive
Mutual Insurance policies (rules and detailed procedures)”.
You can access to this page through the UCMAF Website.
Rules and detailed procedures(https://kyosai.univcoop.or.jp/guidance/pdf/bookmark_pdf2019.pdf)
If you have any questions, please ask at your university co-op mutual
insurance desk, or the UCMAF consultation desk: Ask for the University Co-op Insurance support telephone number (hereinafter referred to as“Support Line”).
In cases where the mutual insurance policy holder is different from the mutual insurance insured, please make sure that the details of this document
are explained to the insured.
重要事項説明書は、ご契約にあたり共済の内容をご理解いただくための事
項を「契約概要」に、特に注意を要する事項（不利益になる可能性がある事項
等）を「注意喚起情報」に記載していますので、ご契約の前に必ずお読みいた
だき、お申込みくださいますようお願いします。
この書面は、ご契約に関する全ての内容を記載しているものではありません。詳細については、学生総合共済（規約・細則）に記載しています。
大学生協共済連Webサイトからご覧いただけます。
規約・細則
   
（https://kyosai.univcoop.or.jp/guidance/pdf/bookmark_pdf2019.pdf）
ご不明な点については、大学生協の共済窓口または大学生協共済連の相談窓口：大学生協 共済・保険サポートダイヤル（以下「サポートダイヤル」といいます。）までお問い合わせください。
共済契約者と被共済者が異なる場合には、この書面の記載内容を、被共済者の方に必ずご説明ください。

Policy overview (for your understanding of thecontent of mutual insurance)Ⅰ

1. How Student Comprehensive Mutual Insurance (Short Term Life
Mutual Insurance) works(1) How Life Mutual Insurance works
Mutual Insurance policies under the Short Term Life Mutual Insurance
Rules and Regulations comprises the basic policy. The insurance provided
by each one is as described below.
Ⅰ 契約概要（共済の内容をご理解いただくための事項）

１．学生総合共済（短期生命共済）のしくみ（１）生命共済のしくみ
短期生命共済事業規約による共済契約は基本契約から構成されています。それぞれの保障は次の通りです。
Item
項目

insurance
保障

Basic
policyIllness hospitalization insurance, Accident hospitalization insurance, Surgery insurance, Pro-active mental health treatment insurance, Accident
outpatient treatment insurance, Specific disability
fixation device insurance, Illness severe disability
insurance, Accident disability insurance,

基本契約

病気入院保障、事故入院保障、手術保障、こころの早期対応保障、
事故通院保障、特定傷害固定具保障、
病気重度後遺障がい保障、
事故後遺障がい保障、

insurance備考

Depending on the typeof policy, some itemsof the basic policy may
not be covered.
契約する型によって基本契約の一部が
保 障 対 象とならない場合があります。

(2) Policyholder (the person who applies for and subscribes to the mutual
insurance policy)
A person who is a union member of UCMAF, or is a family member livingwith the union member, can become a policyholder.
２）契約者（共済の申込みをし契約する人をいいます。）
契約者となれる方は大学生協共済連の会員である大学生協の組合員、または組合員と同一の世帯に属する人です。
(3) Insured
A student (one person) to whom any of the following applies can become29

the insured, the person covered by mutual insurance. Further, a person
who will be aged 65 or older on the day that the policy becomes effective
cannot be the insured (including continued policies).
(1) the policyholder themselves, (2) the spouse of the policyholder, (3) a relation within two degrees of kinship currently living with the policyholder, (4)a relation within two degrees of kinship of the spouse of the policy holder
currently living with the spouse of the policyholder,（３）被共済者
被共済者は、学生で、次のいずれかに該当する人のうち、共済の保障対象となる方（１名）です。なお、契約の効力が発生する日に６５歳以上の方は被共済者となることはできません（継続契約含む）。
①契約者本人 ②契約者の配偶者 ③契約者と生計を共にする契約者の２親等以内の親族 ④契約者の配偶者と生計を共にする契約者の配偶者の２親等以内の親族
2. Details of coverage of basic policy and special clauses
In cases of payment of mutual insurance money under the basic policy,
please refer to pages 9 to 13 of Summary of Coverage for details of themain cases in which mutual insurance can be paid, and cases in which it
cannot be paid. Further, if international students interrupt their studies fornational service, etc., mutual insurance cannot be paid during the period
of interruption, even in cases where mutual insurance would normally be
paid.
２．基本契約と特約の保障内容
基本契約の保障の共済金をお支払いする場合、お支払いする共済金額および共済金をお支払いできない主な場合についてはＰ9～P13の「保障のあらまし」
をご覧ください。なお、留学生が兵役等で留学を中断している期間中は、共済金支払事由が発生した場合でも共済金は支払われません。
3. Period of mutual insurance(1) Period of mutual insurance of new policies: In principle, one year, from0:00 hours on April 1 (hereinafter referred to as “designated effective date”
till March 31 of the following year (hereinafter referred to as “unified termination date”). Note that in the case of applications received after April
1, the period shall run from 0:00 hours on the next day that the policy
application papers are received, or the date that the premium is paid in,whichever is the later (hereinafter referred to as “effective date”) till theunified termination date.
(2) Period of mutual insurance of policies that are continuing: From 0:00
hours of the day following the termination date or cancellation date of theperiod of mutual insurance of the current policy till the first subsequentunified termination date. (“Policies that are continuing” may be continuing
policies, graduation postponement policies, updated policies or renewed
policies, and the same hereinafter.)*Check your policy application form for the actual date on which your insurance actually begins.
３．共済期間（１）新規契約の共済期間：原則として、4月1日午前0時（以下「指定発効日」といいます。）から翌年の3月31日（以下「統一満了日」といいます。）の１年間です。ただし、4月1日以降に申し込まれた場合は契約申込書提出日か掛金払込日のいずれか遅い日（以下「発効日」といいます。）の翌日午前0時から統一満了日までとなります。
（２）継続する契約の共済期間：現在ご契約の共済期間の満了日または解約日翌日午前０時から最初に迎える統一満了日までです。
（継続する契約とは、
継続契約、卒業継続契約、更新契約または更改契約です。以下同じです。）※実際にご契約いただく保障開始日については、契約申込書をご確認く
ださい。
4. Policy continuation(1) If no notification is received from the policyholder by the end of twomonths before the day after the termination date (hereinafter referred toas the “continuation date”) of the period of mutual insurance to the effectthat the continuation of the policy is to be stopped, it will be assumed thatthe policyholder wishes to continue the policy with the same conditions as
the “terminating policy”, and the policy will be continued. Mutual insurance
premiums will be paid by transfer from an account in a financial institution.
Through this procedure, the policy will continue in effect until the unified
termination date of the year and month of the scheduled graduation. Note
that, should the student drop out of their course or cease to be a memberof the university co-op, or if the mutual insurance policy no longer matches
the aims of mutual insurance, or if for some other reason UCMAF judges
the policy to be unsuitable, the policy will be unable to be continued.
Also, if the policy is to be continued beyond the registered scheduled dateof graduation, the policy can be continued by completing policy application procedures anew by the day before the continuation date. (Hereinafterreferred to as a “graduation postponement policy”.)(2) Terminating policies that are continued with policy details changed bysomeone other than the insured are known as “updated policies”. In principle, procedures to submit the “Change Application Form” have to be completed by two months before the day after the termination date (hereinafterreferred to as the “update date”).
(3) Policies that are cancelled before the termination of the period of mutual
insurance and then continued with policy details changed by someone
other than the insured are known as “renewed policies”. In principle, procedures to submit the “Change Application Form” have to be completedby two months before the day after the cancellation date (hereinafter referred to as the “renewed date”).
Further, if you wish to cancel your policy before it expires, please contact
the mutual insurance desk of the University Co-op or the Support Line.
４．契約の継続（１）共済期間の満了日の翌日（以下「継続日」といいます。）の前々月末までに契約者が契約の継続停止を申し出ない限り、「満了する契約」と同一内容の継続契約の申込みがあったとみなし契約の継続が行われます。共済掛
金は金融機関口座から振替による支払いとなります。この手続きにより、卒業予定年月の統一満了日まで契約を継続します。ただし、大学を中途退学した場合、大学生協の組合員でなくなっている場合、当該共済契約が共済の目的にそぐわない場合等、大学生協共済連が不適当と認めた場合は契約の継続はできません。
また、登録の卒業予定年月を超えて継続される場合は、あらためて継続日の前日までに契約申込書による手続きをすることで契約を継続することができます。
（以下「卒業継続契約」といいます。）（２）満了する契約の被共済者以外の契約の内容を変更して継続する契約を「更新契約」といい、原則満了日の翌日（以下「更新日」といいます。）の前々月末までに改めて「変更申込書」による手続きをしていただきます。
（３）共済期間が満了する前に契約を解約し、被共済者以外の契約の内容を変更して継続する契約を「更改契約」といい、原則解約日の翌日（以下「更改日」といいます。）の前々月末までに「変更申込書」による手続きが必要になります。
なお、共済期間中に中途解約を希望されるときは大学生協の共済窓口またはサポートダイヤルまでお申し出ください。
5. Policy restrictions and underwriting conditions
Only one policy can be taken out for each insured person. Also, only thepolicies established by UCMAF can be taken out.
Notes:•For insured persons who are financially independent (not receiving support from any kind of support) and insured persons who have no benefactor, the policy will not include the special clause Insurance to Support
Continued Studies.
５．契約の制限および引受条件
被共済者１人につき、１つ契約できます。なお、大学生協共済連が設定する契約の型以外の契約はできません。
注）
・経済的に自立している被共済者（扶養を受けない人）、および扶養者のいない被共済者は、学業継続支援特約を付帯しない型での契約となります。
6. Mutual insurance premiums
Mutual insurance premiums are decided depending on the type of policy,
the period of mutual insurance and the age of the insured. For details of
the actual mutual insurance premiums to be applied, please refer to thestudent comprehensive mutual insurance brochure or the application form,
etc.
•The mutual insurance premium amounts given in the student comprehensive mutual insurance brochure are for a period of insurance of one year for
insured persons who are under 35 years of age. If the period of insurance isless than one year and the insured is aged between 35 and less than 65 by
the date the insurance coverage actually begins, or on the day insurance
coverage begins in a continuing policy after the second year, the life mutual
insurance premiums are different. In such cases, please check with themutual insurance desk of the University Co-op or the Support Line.
•The “age” of the insured in this policy refers to their age on the day thatthe period of mutual insurance begins for a new or continued contract.

7. Method of payment of mutual insurance premiums•The mutual insurance premium payment shall be paid in lump sum.
•When paying the premium on your first policy, please make the payment
before submitting the subscription application, and in the manner prescribed by the university co-op of the university at which you are enrolled.
•For continuing policies of the second and subsequent years, graduation
postponement policy or an updated policy, the premium shall be paid bybank transfer from the account in a financial institution previously designated by the insured, by the transfer date of the month prior to the continuation date, graduation postponement date or update date. However, in thecase of premiums for renewed policies, in principle these shall be paid in
cash by the day before the renewal date.
７．共済掛金の支払い方法●共済掛金は一括してのお支払いとなります。
●初めて契約する場合の共済掛金は、契約申込書を提出する日までに入学する大学の生協が指定する方法でお支払いください。
●２年目以降の継続契約、卒業継続契約および更新契約の共済掛金は、あらかじめ契約者が指定した金融機関からの、継続日、卒業継続日または更新
日の前月の振替日までの口座振替でのお支払いです。ただし、更改契約は原則更改日の前日までの現金でのお支払いとなります。
8. Recipient of mutual insurance payment(1) The recipient of mutual insurance payment is the policyholder.
(2) The mutual insurance recipient may designate or change the designated proxy claimant in advance, with the agreement of the insured.
８．共済金受取人について（１）共済金の受取人は契約者です。
（2）共済金受取人は、事前に指定代理請求人を被共済者の同意を得て指定または変更することができます。
9. Maturity refunds, and rebates•This contract does not have maturity refunds and rebates.
９．満期返戻金、割戻金●この契約に満期返戻金および割戻金はありません。
10. Cancellation refund
If the policy is cancelled, there may be a cancellation refund. To checkdetails of this, please promptly contact the mutual insurance desk of the
University Co-op or the Support Line. (Refer to II, “10. Cancellation andcancellation refund”, below.)
10．解約返戻金
この契約を解約する場合は、解約の返戻金がある場合があります。解約される
場合は大学生協の共済窓口またはサポートダイヤルに速やかにお申出ください。
（後記Ⅱの「10．解約と解約返戻金について」をご参照ください。）
11.Sending of mutual insurance certificate•Mutual insurance certificates (including deduction certificates in the caseof life mutual insurance), notifications and information about continued
contracts, etc., will be sent to address in Japan of the policyholder given in
the subscription application. Note that, if there is a separately designatedaddress, that address will be used. Further, if neither of these addresses
can be used, certificates, etc., will be sent to the policyholder.
11．共済証書等の送付●共済証書（生命共済は控除証明書を含む）、通知、継続契約のご案内等は、契約申込書に記載した契約者の日本国内の住所に送付します。ただし、送付先の指定がある場合は指定先に送付します。なお、これらの住所に送付できない場合は、契約者の住所に送付します。

６．共済掛金
共済掛金は、契約の型、共済期間、被共済者の年齢によって決まります。
実際に適用される共済掛金は学生総合共済パンフレット、申込書等でご確認ください。
●学生総合共済パンフレット記載の生命共済掛金額は、共済期間は１年間で３５歳未満の被共済者を対象とした金額です。共済期間が１年未満の場合および新規契約の保障開始日、または２年目以降の継続する契約の保障開始日において被共済者が３５歳以上６５歳未満の場合は生命共済掛金額が異なりますので、大学生協の共済窓口またはサポートダイヤルにお問い合わせのうえ、ご契約ください。
●この契約における被共済者の「年齢」は、新規契約および継続する契約の共済期間開始日における満年齢をいいます。

30

Ⅱ Information Requiring Attention (matters that

may be disadvantageous to the policyholder
when subscribing, and to which particularly attention should be paid)

Ⅱ 注 意喚起情報（ご契約に際し契約者に不利益になる事項

等、特にご注意いただきたい事項）

1. Withdrawal of an application for a policy (cooling off)
This mutual insurance is not subject to a cooling off period. Please be sure
to check the policy details carefully when subscribing.
１．ご契約申込みの撤回（クーリングオフ）
この共済はクーリングオフの対象とはなりません。ご契約時にはご契約内容を十分にご確認ください。
2. Filling in the application form (matters to be declared when subscribing)•The “application form” (including a written notification) is an important
document for concluding a contract with the UCMAF. Please fill in factual information and, if the policyholder and the insured are different persons, the policyholder should enter the details of the insured, after having
checked them carefully.
２．契約申込書の記入について（契約時の告知事項）●「契約申込書」（告知書を含みます。）は大学生協共済連と共済契約を締結するための重要書類です。記載事項は事実を表記し、契約者と被共済者が異なるときは被共済者の事実を充分確認のうえ、契約者本人がご記入ください。
3. Duty to disclose and notify, etc.
Matters requiring attention when subscribing (matters requiring attention
when completing the application form)
The policyholder and insured have a duty to disclose certain matters, andUCMAF and the university co-op (insurance agent) have a right to receive
notification of these facts. The duty to disclose means that the facts ofmatters to be disclosed must be disclosed correctly.
The matters to be disclosed are important items concerning risk, which
UCMAF has the right to ask and should be reported in the application form.
(1) Information regarding the university and classification to which the insured belongs. (2) The date of birth of the insured. (3) The state of healthof the insured. If the information reported is different from the facts, or the
information is not reported, the policy may be cancelled. And, if the policy
is cancelled, mutual insurance may not be able to be paid, so please be
sure to check the details of the information you give in the application form.
•Disclosure of state of health•Please answer correctly the questions relating to the state of health.
These answers are not to be verbal, but must be filled in the “Mattersto be disclosed relating to the state of health for Life Mutual Insurance” column of the application form by the insured themselves orby their guardian.
•If any of the foregoing apply, the name of the illness, the date of onset
or the scheduled date of surgery must be disclosed.
In addition, with the exception of Pro-active Mental Health Treatment
Insurance, mutual insurance cannot be paid if the cause has beena “disclosed illness”, or an “illness not disclosed but diagnosed ashaving occurred before the subscription application”.
Note, however, that mutual insurance may in some cases be paid out
in the event of death, disability, hospitalization or surgery arising fromone of the aforesaid illnesses after one year has elapsed since theapplication date. For details, contact the mutual insurance desk of the
University Co-op or call the Support Line.
•Notification after subscription (Duty to notify)
In the event that any of the following details is changed after the contract is established, please be sure to notify the mutual insurance deskof the University Co-op or call the Support Line.
(1) Name or address of benefactor of the insured (2) Name or addressof policyholder (3) Name of insured (in the event of any change to forenames, surnames) (4) Scheduled date of graduation (5) University coops to which the policyholder or household members belong.
The following should also be reported.
(1) If the policyholder or household member ceases to be a union member of the university co-op. (2) If the insured drops out of university. (3)If the insured ceases to be a relation to within two degree of kinship of
the policyholder or their spouse.
３．告知義務・通知義務等
契約時における注意事項（契約申込書の記載上の注意事項）
契約者、被共済者には告知義務があり、大学生協共済連と大学生協（取扱代理店）には告知受領権があります。告知義務とは、ご契約時に告知事項について、事実を正確に知らせる義務のことです。
告知事項とは、危険に関する重要な事項として、大学生協共済連が告知を求めることができ契約申込書に記入いただく事項で、①被共済者本人の所属大31

学・区分の情報 ②被共済者の生年月日 ③被共済者の健康状況です。この項目が事実と違っている場合、または事実を記載しなかった場合、契約を解除することがあります。また、契約を解除した場合は、共済金をお支払いできないことがありますので、契約申込書の記載内容を必ずご確認ください。
●健康状況告知について・被共済者の健康状況に関する質問について正確にお答えください。回答は
口頭ではなく、契約申込書の「生命共済健康状態に関する告知事項」欄に、必ず被共済者本人または親権者がご記入ください。
・上記の事項に該当する場合は、その病名および発病日または手術予定日についての告知が必要となります。
なお、こころの早期対応保障を除き「告知書に記載した病気」「、告知書に記載しなかったが契約申込み前に発病していたと診断された病気」が原因での共済金はお支払いしません。
ただし、申込日から１年を経過した後の前記の病気を原因とする死亡や後遺障がい、入院、手術については共済金をお支払いできる場合があります。
詳細は大学生協の共済窓口またはサポートダイヤルまでお問い合わせください。
●契約後の注意事項（通知義務等）
契約後に次の事項に変更が生じた場合は、必ず大学生協の共済窓口またはサポートダイヤルにご連絡ください。
①被共済者の扶養者の氏名、住所 ②契約者の氏名、住所 ③被共済者の氏名（姓・名を変更した場合）④卒業予定年月 ⑤契約者または同一世帯の者が所属する大学生協
また次の場合もその旨をご連絡ください。
①契約者または同一の世帯の者が大学生協の組合員でなくなった場合 ②被共済者が学校を中退した場合 ③被共済者が、契約者またはその配偶者の２親等以内の親族でなくなった場合
4. Contract establishment date and effective date(1) New policies•When the UCMAF accepts the contract application, the application isconsidered to have been established on that date.
•The mutual insurance policy becomes effective from 0:00 hours on
the day following “application submission date” or the “first premium
payment date”, whichever is the later. However, in the case of a policy
for which a later effective date is specified, the policy will become
effective from 0:00 hours on that day.
•In the case of new students, due to the relationship between the application date and the premium payment date, the effective date will
be as follows.
(1) If the application date and the mutual insurance premium payment
are on or before March 31, 2021,……from 0:00 hours on April 1,
2021(2) If the application date is on or before March 31, 2021, but themutual insurance premium payment date is on or after April 1,
2021,……from 0:00 hours on the day following the mutual insurance premium payment date(3) If both the application date and the mutual insurance premium
payment date are on or after April 1, 2021,……from 0:00 hours on
the day after the application date or the mutual insurance premium
payment date, whichever is the later.
(2) Continuing policies•Continuing policies, graduation postponement policies and updated
policies become effective from 0:00 hours on the day following thetermination of the period of insurance of the previous policy.
•Renewed policies become effective from 0:00 hours on the day following the day of cancellation.
４．契約の成立日と効力の発生について（１）新規契約の場合●大学生協共済連が契約の申込みを承諾した場合には、契約はその申込日に成立したものとします。
●共済契約の効力は、「契約申込書提出日」または「初回掛金支払日」のいずれか遅い日の翌日午前０時に発生します。ただし、それらの日よりも遅い日を発効日として指定する契約については、その指定発効日の午前０時に効力が発生します。
●新入生の場合の効力発生日は、契約申込日と共済掛金支払日との関係
により、次のとおりとします。
①契約申込日と共済掛金支払日が2021年３月３１日以前の場合……
2021年４月１日午前０時②契約申込日は2021年３月３１日以前であるが、共済掛金支払日が2021年４月１日以降の場合……共済掛金支払日の翌日午前０時③契約申込日と共済掛金支払日が2021年４月１日以降の場合……
契約申込日、または共済掛金支払日のいずれか遅い日の翌日午前０時（２）継続契約等の場合●継続契約、卒業継続契約および更新契約は、前契約の共済期間満了後の翌日の午前0時にその効力が発生します。
●更改契約の場合は、解約した日の翌日の午前０時にその効力が発生します。

5. Main cases in which Mutual Insurance cannot be paid
*For details, refer to p.9 – p.13 of this brochure, or the UCMAF website.
５．共済金をお支払いできない主な場合について
このパンフレットのP.9〜P.13または大学生協共済連Webサイトをご覧ください。
6. Grace period for payment of premiums*For details, refer to the UCMAF website.
(1) Payment of new policy premiums
The mutual insurance premium should be paid in by the day of subscription application. Note that there is no grace period for payment.
(2) Basic principles of payment due date and payment grace period forcontinuing policies① Of continuing policies, if the mutual insurance premium for continued policies, graduation postponement policies and updated policies cannot be transferred, there is, in principle, a grace period until
the last day of a three month period from the day following the firsttransfer date. Note that, if there is no payment within this period, thepolicy will terminate on its termination date and will not be continued, and the insured will then be “uninsured”.
② If you are unable to make a bank transfer, with special permission
from UCMAF, you may make a direct payment to UCMAF before thecontinuation date or update date. The grace period is three months
from the continuation date or the update date.
③ If you have not submitted a bank account transfer request by the
final day of the month before the month in which bank transfer isdue, and with special permission from UCMAF, you may make payment by a method other than bank transfer, by the day before thecontinuation date or update date. The grace period is one monthfrom the continuation date or update date.
④ Of continuing policies, the mutual insurance premiums for renewed
polices are, in principal, paid by a method other than bank transfer,and there is no grace period. However, with special permission from
UCMAF, payment may be made by bank transfer by the transfer
due date of the month prior to the renewal date. In that case, thegrace period is three months from the day following the bank transfer due date.
６．掛金払込猶予期間等について※詳しくは、大学生協共済連Webサイトをご覧ください。
（１）新規契約の掛金払込
共済掛金は、契約申込書の提出の日までに払い込んでいただきます。な
お、払込猶予期間はありません。
（２）契約を継続した場合の共済掛金の払込期日と払込猶予期間の原則①継続する契約のうち、継続契約、卒業継続契約および更新契約の共済掛金が振替できなかった場合、原則として初回口座振替日の翌日の３ヶ
月後の月末まで払込猶予期間があります。ただし、この期間内に入金がない場合は、満了した契約の満了日を以って契約が終了し、継続契約は成立せず「保障のない状態」となります。
②口座振替ができない場合で、大学生協共済連が特に認めたときは、直接大学生協共済連に継続日または更新日の前日まで払い込むことができます。払込猶予期間は継続日または更新日から３ヶ月間です。
③口座振替月の前月末日までに口座振替依頼書のご提出がない場合で大学生協共済連が特に認めたときは、口座振替以外の方法により継続
日または更新日の前日までに払込むことができます。払込猶予期間は継続日または更新日から１ヶ月間です。
④継続する契約のうち、更改契約は原則として口座振替以外の方法による共済掛金の支払いとなり、払込の猶予はありません。ただし、大学生協共済連が特に認めた場合は更改日の前月の振替日まで口座振替による払込もできます。この場合の払込猶予期間は口座振替日の翌日から３ヶ月間です。
7. Matters requiring attention in the event that the mutual insurance
amount has been increased or decreased(1) In types of insurance covering illness, if the amount of mutual insurance
has been increased after the onset of the illness, the mutual insurance
payment will be the amount that was due before the mutual insurance
was increased. However, if death or hospitalization occurs after one
year has elapsed since the mutual insurance amount was increased,
the increased amount will be applied.
In types of insurance covering accidents, and in Temporary School Fee
Insurance to Support Return to Studies, if the amount of mutual insurance has been increased after the accident, the mutual insurance
payment will be the amount that was due before the mutual insurance
was increased.
Also, in types of insurance covering hospitalization or outpatient treatment, if the amount of mutual insurance payment has been reduced
after a payment has been made, the reduced amount will be applied
to any mutual insurance payments for any period of hospitalization or
outpatient treatment after the policy change.
(2) There may be cases where a new policy cannot be accepted, for instance due to the state of health of the insured, or where the insured

has dropped out of university, etc.
(3) If there is a gap between the termination date of the previous policy andthe period of insurance of the new polity, there may be cases wheremutual insurance cannot be paid for illnesses that occur before theapplication date, or accidents that occur before the period of insurance
starts.
７．共済金額を増額、減額した新たな契約をする場合の注意事項①病気を原因とする各種保障では、発病後に共済金額を増額した場合、共済金の支払いは増額前の共済金額が適用されます。ただし、増額後１年経過後に死亡、入院等が発生した場合は、増額した共済金額が適用されます。
事故を原因とする保障および学業復帰支援臨時費用の保障では、事故発生後に共済金額を増額した場合の共済金の支払いは、増額前の共済金額が適用されます。
また、入院、通院の保障では、支払事由発生後に共済金額を減額する新たな契約をした場合、契約変更後の入院、通院期間については、減額後の共済金額が適用されます。
②被共済者の健康状態や被共済者が学校を中途退学していた場合などにより、新たな契約をお引受できない場合があります。
③前の契約の満了日と新たな契約の共済期間に間があいている場合は、申込日以前に生じている病気や共済期間前に生じている事故に対しては共済金をお支払いできないことがあります。
8. Division, deferment or reduction of mutual insurance payment•In the event of war or other states of emergency, earthquakes, tsunami,
volcanic eruption or other similar natural catastrophes, it may be necessary to divide, defer or reduce mutual insurance payments, based on adecision by the General Meeting of the Federation.
８．共済金の分割、繰り延べ、削減について●戦争その他の非常な出来事、地震、津波、噴火、その他これらに類する天災などの非常時には、総会の議決を経て共済金を分割・繰り延べて支払い、または金額を削減する場合があります。
9. Prescription•Claims for mutual insurance by the policyholder, the insured or the recipient of mutual insurance payment that are not made within three years
from the day following the incident shall lapse by prescription.
•Claims by the policyholder for a return of mutual insurance premiums, orcancellation refunds, that are not made within three years from the day
following the reason for the return or claim shall lapse by prescription.
９．時効について●契約者・被共済者・共済金受取人が共済金の請求を、支払事由の発生した
翌日から３年間怠ったときは時効により消滅します。
●契約者が共済掛金の返還・解約返戻金の請求を、返還・請求事由の発生した日の翌日から３年間怠ったときは時効により消滅します。
10. Cancellation and cancellation refund•To cancel a contract, contact the mutual insurance desk of the University
Co-op or Support Line, and then submit the prescribed documents. The
date of cancellation shall be the date when said documents are received
by UCMAF (or the mutual insurance desk of the University Co-op), or thedesired date of cancellation, whichever is later.
•When a contract is cancelled, if there is any unexpired period of mutual insurance, a cancellation refund will be paid according to a predetermined
formula.
10．解約と解約返戻金について●契約を解約するときは、大学生協の共済窓口またはサポートダイヤルへ連絡のうえ、所定の書類を提出してください。解約日は、所定の書類が大学生協
共済連（または大学生協の共済窓口）に届いた日または解約希望日のいず
れか遅い日です。
●解約にあたって未経過共済期間がある場合は、所定の算式によって解約返戻金をお支払いします。
11. Cancellation due to serious reasons
Policies may be cancelled in the following circumstances.
*Even if the contract is cancelled after an incident has occurred, there will
be no mutual insurance payment. Further, if a mutual insurance payment
has already been made, a claim for return of the payment may be made.
When the policyholder, the insured, or the recipient of mutual insurance
payment has (1) intentionally caused or attempted to cause an incident
that would result in a mutual insurance payment, (2) conducted or attempted to conduct fraudulent actions with regard to a claim for mutual
insurance, (3) is judged by the UCMAF to have claimed a significantly
excessive amount of mutual insurance payments for the insured by overlapping with other mutual insurance contracts, or similar, exceeding or
deviating from the aim of the system of mutual aid, (4) is judged by UCMAF to be involved in an organized crime group or other anti-social force,(5) or where it is judged that the credibility of the UCMAF will be impaired
to the same degree as (1) to (4), above, and that it is not appropriate forthe contract to continue.

32

11．重大事由による解除
次の場合は、契約を解除する場合があります。
※解除が共済金支払事由発生後であっても共済金をお支払いしません。また、
すでに共済金を支払っていたときは、その返還を請求することができます。
契約者、被共済者または共済金受取人が、①故意に共済金支払事由を発生させ、または発生させようとした場合 ②共済金請求に関して詐欺行為を行い、または行おうとした場合 ③他の共済契約等との重複により、被共済者の共済金等の合計額が著しく過大となり、たすけあいの制度としての目的を超える、または逸脱すると大学生協共済連が判断した場合 ④暴力団関係者、その他反社会的勢力に該当すると認められた場合 ⑤上記①から④と同程度に大学生協共済連の信頼を損ない、契約の存続を不適当と判断された場合
12. Cancellation by the insured
Where the insured is not the policyholder, they may request the policyholder to cancel the policy under certain conditions (for example, if they
have been made the insured of an insurance policy without their consent,in order that a third party may obtain insurance money payments, etc.). In
such a case, the policyholder must cancel the policy.
12．被共済者からの解約被共済者が契約者以外の方で、一定の条件（第三者が共済金を得る目的で、自身が認めていないにも関わらず被共済者にさせられていた等）に合致する
場合は、被共済者は契約者に解約を求めることができます。この場合、契約者は解約をしなければなりません。
13. Cases in which a policy may become invalid or may lapse(1) A policy may become invalid under the following circumstances.
①When the policyholder or the insured do not meet the qualifications
or conditions of the contract. ②When the basic contract or a special
clause is contracted for an amount in excess of the limit for mutual
insurance. (The excess portion will be invalid.) ③When the consent of
the insured had not been obtained at the time of application. ④Whenthe contract was applied without regard to the policyholder’s intention.
⑤When the insured has dropped out of university or has died prior to
the effective date (the date when the insurance begins). ⑥When multiple policies have been taken out (policies continued from a later date
will become invalid).
(2) The policy will lapse upon the death of the insured.
A refund will be paid for any unelapsed period, calculated according toa prescribed formula.
13．契約が無効または消滅となる場合について（１）次の場合、契約は無効となります。
①契約者、被共済者が契約の資格・条件を充足しなかった場合 ②基本
契約および特約の共済金の限度額を超えて契約した場合（その最高限度を超えた部分が無効となります。） ③申込みの際、被共済者の同意を得ていなかった場合 ④契約者の意思によらず契約が申込まれた場合 ⑤被共済者が効力の発生日（保障開始日）の前日までに入学を辞退していた場合、または亡くなられていた場合 ⑥契約が複数締結されていた場合（後から継続した契約が無効となります。）（２）被共済者が死亡した場合は、契約は消滅します。
未経過期間がある場合は、所定の算式によって返戻金をお支払いします。
14. Continuation of mutual insurance with changes
If there is a partial revision of the content of mutual insurance, the insurance will continue with the changes in effect. In the event of major revisions
involving a change in the mutual insurance premiums, you will be required
to go through the subscription application procedures once more.
14．共済内容の変更に伴う継続共済内容の一部改定があった場合は、改定後の内容で継続されます。共済掛金の変更を伴う大幅な改定の場合は、改めて契約申込書による手続きをしていただきます。
15. In the event of an accident
Please get in touch with the mutual insurance desk of your University Coop or UCMAF Support Line as soon as possible.
15．万一事故が発生した場合にはすみやかに大学生協の共済窓口またはサポートダイヤルまでご連絡ください。

 ther matters for consideration
Ⅲ O
Ⅲ その他ご注意いただきたい事項

1. Insurance agency (university co-op) authority
The agent university co-op in an insurance agency that has concluded anagency contract with UCMAF, and conducts mutual insurance advertising,
the concluding of policy contracts, the collection of mutual insurance premiums, the issue of mutual insurance premium certificates and other administrative procedures involved in the management of insurance policies.
Therefore, when you apply through your insurance agent (university co-op)
and establish a valid policy with them, that is the same as having a contract
directly with the UCMAF.
１．取扱代理店（大学生協）の権限
取扱大学生協は大学生協共済連との委託契約により取扱代理店となり、共済募集、共済契約の締結、共済掛金の領収、共済掛金の領収証（書）の交付、契約の管理業務等の代理業務を行っています。したがって、取扱代理店（大学生協）にお申込みいただき有効に成立したご契約は大学生協共済連と直接契約されたものとなります。
2. Handling of personal information[Purposes of use]
Personal information obtained by the UCMAF (hereafter, the “Federation”)
in the course of concluding and maintaining mutual insurance contracts,
as well as making mutual insurance payments, etc., is used for the purposes of surveys and the provision of services and information related to themutual insurance business and cooperative association work by the Federation, its member university co-ops and National Federation of University
Co-operative Associations.* In addition, for the purposes of sound mutual
insurance business operation, doctors, etc., are sometimes contacted toconfirm the details of notifications or mutual insurance claims.
* National Federation of University Co-operative Associations is a federation of co-operative associations to which university co-ops all over Japanand the Federation belong.
[Joint Usage]
Personal information that the Federation has obtained in relation to groupcontracts (Personal Liability Insurance for Students, Benefactor Death Insurance, Tuition and School Exposes Insurance, Continued Studies Insurance, Benefactor’s Income Insurance) is used by the Federation and its
member university co-ops, as well as the underwriting companies and theinsurance agent, University Co-operatives Insurance Services, Inc., in the
concluding and maintaining of insurance contracts, as well as the making
of insurance payments, etc., the provision of services and information.
[Provision to third parties]
The Federation and its member university co-ops may provide informationon the condition of subscriptions to “Student Comprehensive Mutual Insurance” and “group contracts” for which the Federation is the policyholder, as well as the condition of mutual insurance and insurance payments, tothe Federation’s member university co-ops, NFUCA, and the university towhich the insured belongs. In addition, said information may supply under
the following circumstances.
(1) Where required by laws or regulations, (2) with the consent of the student, (3) where it is to be supplied to an external contractor to the extent
necessary for the operation of the business of the Federation, (4) for theshared use of personal information in accordance with the Act on the Protection of Personal Information.
[Protection of personal information]
Refer to individual websites.
University Co-operatives Mutual Aid Federation (Kyosai)
https://kyosai.univcoop.or.jp/
National Federation of University Co-operative Associations
https://www.univcoop.or.jp/
Mitsui Sumitomo Insurance Co., Ltd. https://www.ms-ins.com/
The Kyoei Fire & Marine Insurance Co., Ltd.
https://www.kyoeikasai.co.jp/
Tokyo Marine & Nichido Fire Insurance Co. Ltd.
https://www.tokiomarine-nichido.co.jp
Sompo Japan Nipponkoa Insurance Inc. https://www.sjnk.co.jp/
University Co-operatives Insurance Services, Inc.
https://hoken.univcoop.or.jp/

Customer Consultation Department to ask for advice or to file an appeal.
２．個人情報の取扱について【利用目的】
大学生協共済連（以下、この項において「当会」といいます。）が共済契約の締結・維持管理ならびに共済金支払等に際して取得した個人情報は、当会ならびに当会の会員である大学生協および全国大学生活協同組合連合会（※）が共済事業と生活協同組合事業に関する各種調査・サービス・イベント等の案内などをするために利用することがあります。
また、健全な共済事業運営のため、医師等に対して告知内容・共済金請求内
容に関する事実確認を行うことがあります。
※全国大学生活協同組合連合会とは、全国の大学生協および当会が加盟する生活協同組合の連合会です。
【共同利用】
当会が保険契約者となる団体契約（学生賠償責任保険・扶養者死亡保障保険・就学費用保障保険・学業継続費用保険・扶養者所得保障保険）に関して取得した個人情報は、当会ならびに当会の会員である大学生協および引受保険会社、および保険代理店である株式会社大学生協保険サービスにおいて、契約の締結・維持管理・保険金の支払いおよび各種案内・サービスなどのために利用します。
【第三者提供】
当会および当会の会員である大学生協は、当会の会員である大学生協・全国
大学生活協同組合連合会・被共済者が所属する大学に、「学生総合共済」ならびに当会が保険契約者となる「団体契約」の加入状況および共済金・保険金の支払い状況などを提供することがあります。
また、次の場合に提供することがあります。
（1）法令などによる場合、（2）本人の同意をいただいた場合、（3）当会の業務執行上必要な範囲で、業務委託先に提供する場合、（4）個人情報の保護に関する法律に従って個人情報の共同利用を行う場合【個人情報の保護】については各々のWebサイトをご覧ください。
全国大学生協共済生活協同組合連合会 https://kyosai.univcoop.or.jp/
全国大学生活協同組合連合会https://www.univcoop.or.jp/
三井住友海上火災保険株式会社 https://www.ms-ins.com/
共栄火災海上保険株式会社 https://www.kyoeikasai.co.jp/
東京海上日動火災保険株式会社 www.tokiomarine-nichido.co.jp
損害保険ジャパン株式会社 https://www.sompo-japan.co.jp/
株式会社大学生協保険サービス https://hoken.univcoop.or.jp/

元受団体：全国大学生協共済生活協同組合連合会〔共済契約に関する苦情・相談について〕●大学生協共済連ならびに共済の契約または共済金の支払いに関する苦情・相談ならびに異議申立ては、サポートダイヤルでお受けいたします。
●契約者、被共済者または共済金受取人は、契約または共済金の支払いに関して大学生協共済連の決定に不服があるときは、大学生協共済連の「異議申立てに関する審査委員会」に対して異議の申立てを行うことができます。
〔中立的な外部機関による紛争解決について〕●上記による大学生協共済連との間で問題を解決できない場合は、（社）日本共済協会 共済相談所にご相談いただくか、解決の申立てを行うことができます。

Underwriting organization: University Co-operatives Mutual Aid Federation
Complaints and queries regarding your mutual insurance policy•For complaints and queries regarding UCMAF or mutual insurance policies, or mutual insurance payments, or to lodge an appeal, contact theSupport Line.
•If the policyholder, the insured or the recipient of mutual insurance payments are dissatisfied with a decision made by the UCMAF regarding a
policy or the payment of mutual insurance, they may lodge an appeal with
the UCMAF “Appeal Review Committee”.
Dispute resolution by a neutral external organization•If an issue with the UCMAF cannot be resolved by the means describedabove, you may contact the Japan Cooperative Insurance Association’s

33

34

Explanation of Important Matters
重要事項説明書

Personal Liability Insurance for Students
学生賠償責任保険

Explanation of Important Matters
重要事項のご説明

Policy Overview / Matters that Require Particular Caution
契約概要のご説明・注意喚起情報のご説明•The “Policy Overview” section contains items that you should checkwhen subscribing, and the “Matters that Require Particular Caution”
section draws your attention to matters that may be disadvantageous
to the insured, and to which you should be particularly careful. Please
read these sections before making your subscription application. •If
the applicant and the insured (the person compensated by the insurance) are different, the matters described in this explanation must also
be communicated to the insured. •This explanation does not containall of the contents related to your subscription. The contents of yoursubscription are determined by the common policy terms and conditions, and well as any special clauses (including special terms andconditions, and hereafter the same). If anything is unclear, please contact the insurance agent/ operator, or the underwriting insurance company. •If the party handling the subscription is an insurance agent or
employee, they have the authority to conclude insurance policy contracts on behalf of the underwriting insurance company, and conductbusiness such as the concluding of insurance policy contracts, the receipt of insurance premiums, the issue of insurance premium receipts
and the management of your policy. Therefore, a policy contract validly
concluded with an insurance agent or employee is regarded as being
the same as a policy contract concluded directly with the underwriting
insurance company.
●ご加入に際して特にご確認いただきたい事項をこの「契約概要」に、被保険者にとって不利益になる事項等、特にご注意いただきたい事項をこの「注意喚起情報」に記載しています。ご加入される前に必ずお読みいただき、ご加入くださいますようお願いいたします。●申込人と被保険者（補償の対象者）が異なる場合は、被保険者の方にもこの書面の内容を必ずお伝えください。●この書面はご加入に関するすべての内容を記載しているものではありません。ご加入の内容は、普通保険約款・特約（特別約款を含みます。以下同様とします。）等によって定まります。ご不明な点について
は、代理店・扱者または引受保険会社までお問い合わせください。●契約取扱者が代理店または社員の場合は、引受保険会社の保険契約の締結権を有し、保険契約の締結・保険料の領収・保険料領収証の発行・ご契約の管理などの業務を行っています。したがって、代理店または社員と契約され有効に成立したご契約につきましては、引受保険会社と直接契約されたものとなります。

Policy Overview【契約概要のご説明】
1 Structure of the product and its underwriting

terms and conditions•This insurance is a group contract under which the University Co-operatives Mutual Aid Federation (hereinafter referred to as the “UCMAF”) is thepolicyholder. If the insured is to bear the cost of the insurance premiums,
the insurance policyholder should collect the premiums and pay these to
the underwriting insurance company. Further, if the insurance policyholder does not pay the insurance premiums to the underwriting insurancecompany, the insurance policy will be cancelled and insurance may not
be paid out. Also, if the insurance policyholder or the insured cancels thesubscription, the underwriting insurance company will refund the insurance premiums to the insurance policyholder.

学生・こども総合保険、施設・生産物賠償責任保険

The student. Further, where the student is aperson without capacity to assume liability,
a person with parental authority, other statutory supervisor or person responsible forsupervising the person incapable of reDaily life persponsibility on behalf of the statutory susonal liability pervisor (limited to a blood relative withininsurance pay- six degrees, a spouse or an in-law within
mentthree degrees) will be considered the insured.
日常生活個人
賠償責任保険 本人。なお、本人が責任無能力者である場合
金
は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の6親等内の血族、配偶者および3親等内の姻族に限ります。）を被保険者とします。

persons, and the range of insured, are as follows.
（1）商品の仕組み
この保険は、被保険者（補償の対象者）が事故によりケガをされた場合や被保険者が法律上の損害賠償責任を負われた場合等に保険金をお支払いします。なお、被保険者としてご加入いただける方および被保険者の範囲は次のとおりとなります。
The scheme is limited to persons who aremembers of those university co-operatives
which belong to the University Co-operatives Mutual Aid Federation, and who will be
the age of 22 years old or younger, or who
will be students of a following educational
institution as stipulated in the School EduPersons who can subscribe
cation Act (including those who have comas insured
pleted enrollment procedures and become
co-operative members), on the expiration
被保険者としてdate of the insurance period. (*1)
ご加入いただける方
全国大学生協共済生活協同組合連合会の会員である大学生協の組合員であり、保険期間の末日において満22歳以下の方または学校教育法に定める下欄学校の学生（入学等手続を終え、組合員となられた方を含みます｡）に限
（＊1）
ります。
(1) Universities (2) Graduate schools (3) Junior colleges (4) High schools (5) Technicalcolleges (6) High school departments ofspecial needs schools (7) Vocational
schools (specialist courses, higher education courses, general courses) (8) Other
types of schools
Eligible institutions, as stip- Note that, in the case of (7) and (8), eligibiliulated by the School Educa- ty is restricted to those who have completed compulsory education as stipulated intion Act
the Basic Act on Education, or their equivalents.
対象となる学校教育法に定める学校①大学②大学院③短期大学④高等学校⑤高等専門学校⑥特別支援学校の高等部⑦専修学校（専門課程、高等課程、一般課程）⑧各種学校
ただし⑦、⑧については教育基本法に定める義務教育を修了した方およびこれに相当する方に限ります。

Insurance payment for condolence gifts toinjured parties
Scope ofinsured

The insured is the student themselves, aperson with parental authority or a personwith statutory authority for supervising thestudent.

傷害見舞費用 本人ならびに本人の親権者およびその他の法定の監督義務者を被保険者とします。
保険金This includes the leaseholder of the rented
housing in addition to the student when the
被保険者
leaseholder is other than the insured.
の範囲
Further, where these are persons without
capacity to assume liability, a person withparental authority, other statutory supervisor or person responsible for supervising
the person incapable of responsibility on
behalf of the statutory supervisor (limited toa blood relative within six degrees, a spouse
Tenant Liability or an in-law within three degrees) will be
Insurance pay- deemed as the insured. Note, however, thatment
this is limited to accidents involving said
person without capacity to assume respon借家人賠償責 sibility.
任保険金
借用住宅の賃借名義人が本人以外の場合は、本人に加えてその賃借名義人を含みます。
なお、これらの方が責任無能力者である場合
は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保険者とします。ただし、その責任無能力者に関する事故に限ります。
Rented hous- The insured. If the named renter of theing repair cost housing is not the insured, the named renter
insurance pay- is included in addition to the insured.
ment
本人。借用住宅の賃借名義人が本人以外の借用住宅修理 場合は、本人に加えてその賃借名義人を含み
ます。
費用保険金

●この保険は全国大学生協共済生活協同組合連合会（以下「大学生協共済連」）が保険契約者となる団体契約です。被保険者が保険料を負担される場
合、保険契約者が保険料をとりまとめのうえ引受保険会社に払い込みます。
なお、保険契約者が引受保険会社に保険料を払い込まなかった場合には、保険契約が解除され保険金が支払われないことがあります。また、保険契約者または被保険者がご加入の取消等をされた場合、引受保険会社は返還保険料を保険契約者に返還します。

(*1)1. Students enrolled at universities established as educational facilities by government ministries, the National Tax College, the Civil
Aviation College, the Local Autonomy College, the National Defense Academy, etc., are not eligible.
2. “Those who have completed admission procedures”, means persons who have presented all the documents required for admission to their educational establishment, have paid the admission
fee and any other required fees, and have completed all procedures prescribed by their educational establishment.
3. Students or pupils commuting from their own homes are not eligible for special clause for compensation for Tenant Liability (allrisk) set, special clause for compensation for Rented Housing Repair Cost Insurance or special clause for Compensation for Private
Property for Daily Life in Housing set.
(*2) In the case of Rescuers’ Expenses Insurance, the rescued party.

(1) Structure of the productThis insurance is paid when the insured (the person subject to compensation) is injured in an accident, or is held legally liable to pay compensation for damages. Further, persons who may subscribe as insured(＊1)１.各省庁が教育施設として設置している税務大学校・航空大学校・自治大学校・防衛大学校等の各種大学校に在籍する学生・生徒の方は対象となりません。
２.入 学等手続を終えた方とは、入学に必要な書類を学校に提出のう

1 商品の仕組みおよび引受条件等

35

The person named as the insured on the
Other thanapplication form (the student)
those listed
below (*2)
加入申込書の被保険者氏名の欄に記載の方
下記以外（＊2） （本人）

Comprehensive Insurance for Students / Children, Facility– Product Liability Insurance

え、入学金およびその他の費用を納入し、学校の定める所定の手続を完了した方をいいます。
３.自宅から通学している学生・生徒の方は、借家人賠償責任補償(オールリスク)特約、借用住宅修理費用補償特約および住宅内生活用動産補償特約をセットすることはできません。
(＊2)救援者費用等保険金については、救援対象者をいいます。
(2) Contents of coverage.
Cases in which insurance will be paid are as described in the pamphlet.
The details are as per the common policy terms and conditions andspecial clauses.
① Cases in which insurance will be paid (payment reasons) and payment
amounts
Refer to the pamphlet.
② Main cases in which insurance payment will not be paid (main exemptions)
Refer to the pamphlet. Details are given in the item “Main cases inwhich insurance payment will not be paid” in the common policy terms
and conditions and special clauses.
（2）補償内容
保険金をお支払いする場合はパンフレットのとおりです。
詳細は普通保険約款・特約に基づきます。
①保険金をお支払いする場合（支払事由）と保険金のお支払額
パンフレットをご参照ください。
②保険金をお支払いしない主な場合（主な免責事由）
パンフレットをご参照ください。なお、詳細は普通保険約款・特約の「保険金を支払わない場合」の項目に記載されております。
(3) Main special clauses that can be set, and overview of their contents
Refer to the pamphlet. The details of special clauses are as per thecommon policy terms and conditions, and special clauses.
（3）セットできる主な特約およびその概要
パンフレットをご参照ください。特約の内容の詳細は普通保険約款・特約に基づきます。
(4) Insurance period
The period of this insurance is one year. To check the period of theinsurance you will actually subscribe to, refer to the insurance starting
date and termination date given in the application form.
（4）保険期間
この保険の保険期間は、1年間です。お客さまが実際にご加入いただく保険期間については、加入申込書の保障開始日と保障満了日にてご確認く
ださい。
(5) Policy continuation
If no request to cease continuation of the policy, or a request to alter
the subscription details, is received by two months before the day after(hereinafter referred to as “the Continuation Date”) of the termination
date of the period of insurance, this will be deemed as an application tocontinue to the “terminating policy” with the same conditions, and thepolicy will be continued until the scheduled date of graduation.
（5）契約の継続
共済期間・保険期間の満了日の翌日（以下「継続日」といいます。）の前々月までに契約の継続停止やご加入内容の変更を申し出ない限り、「満了する契約」と同一内容の継続契約の申込みがあったとみなし、卒業予定年まで契約の継続が行われます。
(6) Underwriting terms and conditions•Please refer to the pamphlet.
•For details on professional occupations and duties that fall within or
outside of the scope of underwriting of your insurance policy, pleaserefer to “Information Requiring Attention” “2, (2) Obligation to notify,
etc. (matters requiring to be noticed after your subscription)” “Occupations within the scope of underwriting for your insurance” and“Occupations outside the scope of underwriting for your insurance”•Please be aware of the following points regarding the amount of insurance that you subscribe. With regard to the actual insurance amountsof your insurance, please check the insurance amount columns in
the pamphlet, as well as the application form and the common policy
terms and conditions and special clauses, etc.
• Please choose a level of insurance amount that is appropriate to theage and annual salary of the insured (the person compensated by
the insurance). Please understand that there may be cases where theinsurance amount or subscription terms and conditions, etc., cannot
be accepted.
（6）引受条件●パンフレットをご参照ください。

36

●ご契約の引受範囲および引受範囲外の職業・職務につきましては、【注意
喚起情報のご説明】の「2．
（２）通知義務等（ご加入後にご連絡いただく事項）」＜ご契約の引受範囲＞＜ご契約の引受範囲外＞をご参照ください。
●ご加入いただく保険金額につきましては、次の点にご注意ください。お客さまが実際にご加入いただく保険金額につきましては、パンフレットの保険金額欄および加入申込書、普通保険約款・特約等にてご確認ください。
• 保険金額は被保険者（補償の対象者）の方の年令・年収などに照らして適正な金額となるように設定してください。場合により、お引受できない保険
金額・ご加入条件等もありますのであらかじめご承知おきください。

2 Insurance premiums

Insurance premiums are set according to the insurance amount, the insurance period and the nature of the applicant’s work, etc. Check the pamphlet for details of the premiums to be paid for the insurance that you
actually subscribe to.

2 保険料

保険料は保険金額・保険期間・お仕事の内容等によって決定されます。お客さ
まが実際にご加入いただく保険料につきましては、パンフレットにてご確認ください。

3 Insurance premiums payment method

Please refer to the pamphlet. The total premium is to be paid in lump sum
at the same time as you subscribe. With regard to the method of payment,
please pay in accordance with the procedures of your cooperative association.

3 保険料の払込方法について

パンフレットをご参照ください。保険料の払込方法はご加入と同時に、全額を払い込む一時払いとなります。保険料払込方法は、お手続きをされる生協所定の方法によりお支払いください。

4 Maturity refund – subscribers’ dividends
This insurance does not pay any maturity refund or subscribers’ dividends.

4 満期返れい金・契約者配当金

この保険には満期返れい金・契約者配当金はありません。

5 Cancellation refunds

If you withdraw from (cancel) your policy, depending on the terms andconditions at the time of your subscription, the premium for any unexpired
portion of the insurance period may be repaid as a cancellation refund. It isalso possible that you may be billed for remaining premiums due, depending on the state of payments from the starting date of your policy until thecancellation date. If no payment is made despite additional requests forpayment, your policy may be cancelled. For details, refer to “Information
Requiring Attention”, 7 “Cancellation and cancellation refunds”.

5 解約返れい金の有無

ご加入の脱退（解約）に際しては、ご加入時の条件により、保険期間のうち未経過であった期間の保険料を解約返れい金として返還します。始期日から解約日までの期間に応じて払込みいただくべき保険料の払込状況により追加の保険料をご請求する場合があります。追加で請求したにもかかわらず、その払込みがない場合は、ご契約を解除することがあります。
「注意喚起情報のご説明」の「７．解約と解約返れい金」をご参照ください。

“Information Requiring Attention”【注意喚起情報のご説明】

1 Cooling off (withdrawal of an application for a policy, etc.)
This insurance is a group contract for which the University Co-operatives
Mutual Aid Federation is the policyholder and is, therefore, not subject toa cooling off period.

1 クーリングオフ説明書（ご契約のお申込みの撤回等）

この保険は全国大学生協共済生活協同組合連合会が保険契約者となる団体契約であることからクーリングオフの対象となりません。

2 Obligation to declare – obligation to notify, etc.
(1) Obligation to declare (matters to be notified when applying for a
subscription)■The insured (the person being compensated) has the obligation to37

make declaration, and the insurance agent/ operator has the rightto receive notification of said declaration. The obligation to declaremeans that all matters to be notified when applying for a subscription must be correctly notified.
■As regards matters to be declared, the underwriting insurance company requires to know any important matters relating to hazards, so
any items marked with such as a star “★” in the application form
need to be notified. Note that, if the insured fails to declare, either
deliberately or through gross negligence, or makes a declaration thatis different from the actual facts, their policy may be cancelled andinsurance payments may not be made. Please be sure to check thedetails given in the application form.
Items to be declared①The “professional occupation or duties” of the insured.
②Information on other insurance policies (*), etc.
(*) This refers to other insurance policies that compensate similar risk,
meaning group comprehensive daily life compensation insurance,ordinary injury insurance, and compensation liability insurance, andincludes savings type insurance in each case. Also included are policies with other insurance companies, mutual aid policies and life
insurance policies.
(2) Obligation to notify (items to be notified after subscription)■After subscription, if any of the following items apply to the insured,please contact the insurance agent/ operator or the underwriting insurance company without delay. Please note that, if notification is
not made, any insurance payments may be reduced.
Items to be notified①A change in professional occupation or duties②A new professional occupation or duties③The termination of professional occupation or duties.
In addition, if either ① or ②, above, come under “Occupations outside
the scope of underwriting for your insurance”, below, you will be required to cancel your policy, or it will be cancelled by the underwriting
insurance company.
“Occupations within thescope of underwriting for Occupations other than those listed below
your insurance”
Automobile tester (test driver), motorbike
racer, racing car driver, bicycle racer (Keirin
track racer), motorboat (including jet skis)“Occupations outside the racer, wild animal handler (including breedscope of underwriting for ing personnel at zoological parks), professional boxer, professional wrestler, roller
your insurance”
game athlete (including referees), sumo
wrestler, etc.
Any other occupations hazardous to a similar or greater degree than these.
■In the event that the address of the applicant changes following thesubscription, it will be necessary to revise the details of the policy.
Please contact the insurance agent/ operator or the underwriting
insurance company immediately. In addition, in the circumstances
described below, it will be necessary to follow change proceduresfor the details of the policy, so please contact the insurance agent/
operator or the underwriting insurance company.
●Change of school type(3) Other matters■If you have claimed or received insurance payments totaling ¥50,000
or more in the past three years from other insurance policies thatcompensate the same kind of risk*, please contact your insurance
agent/ operator. Also, please contact your insurance agent in thecase of premises/ product liability insurance, regardless of theamounts involved.
* “Other insurance policies that compensate the same kind of risk”
means group comprehensive daily life compensation insurance, ordinary injury insurance, and compensation liability insurance, and includes savings type insurance in each of these cases. This also includes insurance policies and mutual insurance policies, etc., taken out
with other insurance companies.
■Recipient of insurance payment
Recipient of insurance
payment

As stipulated in the common policy terms
and conditions and special clauses.

■In the event that the insured in the injury clause is a person otherthan the policyholder, if any of the items below applies, the insured
in the injury clause can ask the policyholder to cancel the insurance
contract (*). In such case, the policyholder must cancel the insurance
contract (*).
(1) The insured did not agree to be the insured in the injury clause of theinsurance contract (*)(2) Any of the following actions applies to the policyholder or the person who will receive the insurance payment.
• They have caused or attempted to cause an injury for the purpose of having the underwriting insurance company pay an insur-

ance payment.
• They have committed or attempted to commit fraud in order tojustify a claim for an insurance payment.
(3) The policyholder or the recipient of insurance payment is a memberof an organized crime group, or corresponds to an anti-social force.
(4) The total of insurance amounts is significantly excessive, due toduplication with other insurance contracts, and there is a risk of asituation that runs counter to the purpose of the insurance system.
(5) A serious matter has been caused which damages the credibility of
the insured to the same degree as items (2) to (4), above, and makes
the continuation of the policy (*) difficult.
(6) There has been a significant change in circumstances under which
the insured consented to be the insured in the injury clause of thepolicy (*), such as the termination of the familial relationship between
the policyholder and the insured.
In addition, in the case of (1), above, the insured may ask the underwriting insurance company to cancel the policy. To do so, it will be necessary to submit documents that prove the identity of the insured.
(*) Insurance policy:
Limited to those portions that relate to the insured.
■For customers with multiple policies
If you have the following special clauses in a set, and if you haveanother policy or policies (including special clauses set as part of insurance policies other than Comprehensive insurance for students/
children, and insurance policies with other underwriting insurancecompanies) with the same or similar compensation coverage, thecompensation coverage may be duplicated. If the compensation
coverage is duplicated, damages may be paid in respect of a compensated accident by either/ any of the insurance companies, but
depending on the amount of damages, etc., insurance payment fromone or other of the policies may not be paid, meaning that you will
have wasted your insurance premiums. Please check the differencein compensation coverage and insurance amounts, etc. and decide
whether you really need each policy before subscribing.
Note: In the case of subscription to only one contract, compensation
may be lost in cases such as when the insured no longer qualifies as the insured, due to cancellation of the policy, or as aresult of a change in their family circumstances (changes suchas going from living together to living separately).
Main special clauses that may overlap
This insurance

Examples of possible overlap withother insurance contracts

Comprehensive insurance forstudents/children
Special clause for daily life personal
liability compensation

Automobile insurance
Special clause for liability in daily life

Comprehensive insurance forstudents/children
Special clause (for university co-ops) for
compensation for private property fordaily life in housing

Fire insurance
Household goods compensation clause

2 告知義務・通知義務等（1）告知義務（ご加入時にお申出いただく事項）■被保険者（補償の対象者）には、告知義務があり、代理店・扱者には告知受領権があります。告知義務とは、ご加入時に告知事項について、事実を正確に知らせる義務のことです。
■告知事項とは、危険に関する重要な事項として引受保険会社が告知を求めるもので、加入申込書に記載された内容のうち、「★」印などの印がついている項目のことです。この項目について、故意または重大な過失によって告知がなかった場合や告知した事項が事実と異なる場合には、ご加入を解除し、保険金をお支払いできないことがあります。加入申込書の記載内容を必ずご確認ください。
【告知事項】
①被保険者の「職業・職務」②他の保険契約等（＊）に関する情報（＊）同種の危険を補償する他の保険契約等で、団体総合生活補償保険、
普通傷害保険、賠償責任保険等をいい、いずれも積立保険を含みます。また、他の保険会社等における契約、共済契約、生命保険契約等を含みます。
（2）通知義務等（ご加入後にご連絡いただく事項）■ご加入後、被保険者に次の事実が発生した場合は、遅滞なくご加入の代理店・扱者または引受保険会社までご連絡ください。ご連絡がない
場合、保険金を削減してお支払いすることがありますので、十分ご注意ください。
【通知事項】
①職業・職務を変更した場合②新たに職業に就いた場合③職業をやめた場合
また、上記①または②のいずれかにおいて、下記の＜ご契約の引受範囲外＞に該当した場合は、ご契約を解約していただくか、引受保険会社からご契約を解除します。
＜ご契約の引受範囲＞

下記以外の職業

オートテスター（テストライダー）、オートバイ
競争選手、自動車競争選手、自転車競争選手（競輪選手）、モーターボート（水上オートバイを含みます。）競争選手、猛獣取扱者（動物園＜ご契約の引受範囲外＞ の飼育係を含みます。）、プロボクサー、プロ
レスラー、ローラーゲーム選手（レフリーを含
みます。）
、力士
その他これらと同程度またはそれ以上の危険な職業■ご加入後、申込人の住所などを変更される場合は、ご契約内容の変更等が必要となります。ただちに代理店・扱者または引受保険会社までご連絡ください。また、下記に該当する場合もご契約内容の変更手続が必要となりますので代理店・扱者または引受保険会社までご連絡ください。
•学校の種類の変更（3）その他の注意事項■同種の危険を補償する他の保険契約等（＊）で、過去３年以内に合計して５万円以上保険金を請求または受領されたことがある場合は、代理店・扱者までご連絡ください。なお、施設・生産物賠償責任保険について
は、金額の多少を問わずご連絡ください。
（＊）
「同種の危険を補償する他の保険契約等」とは、団体総合生活補償保険、普通傷害保険、賠償責任保険等をいい、いずれも積立保険を含みます。また、他の保険会社等における契約、共済契約等を含みます。
■保険金受取人について保険金受取人•普通保険約款・特約に定めております。

■傷害条項の被保険者が保険契約者以外の方である場合に、次のいずれかに該当するときは、傷害条項の被保険者は保険契約者にこの保険契約（＊）の解約を求めることができます。この場合、保険契約者はこの保険契約（＊）
を解約しなければなりません。
①この保険契約（＊）の傷害条項の被保険者となることについて、同意していなかったとき②保険契約者または保険金を受け取るべき方に、次のいずれかに該当する行為があったとき• 引受保険会社に保険金を支払わせることを目的としてケガ等を発生させ、または発生させようとしたこと。
• 保険金の請求について詐欺を行い、または行おうとしたこと。
③保険契約者または保険金を受け取るべき方が、暴力団関係者、その他の反社会的勢力に該当するとき④他の保険契約等との重複により、保険金額等の合計額が著しく過大となり、保険制度の目的に反する状態がもたらされるおそれがあること。
⑤②～④の場合と同程度に被保険者の信頼を損ない、この保険契約（＊）の存続を困難とする重大な事由を発生させたとき⑥保険契約者と被保険者との間の親族関係の終了等により、この保険契約（＊）の傷害条項の被保険者となることについて同意した事情に著しい変更があったとき
また、①の場合は、被保険者が引受保険会社に解約を求めることができます。その際は被保険者であることの証明書類等の提出が必要となります。
（＊）保険契約
その被保険者に係る部分に限ります。
■複数のご契約があるお客さまへ
次の特約等をセットする場合、補償内容が同様の保険契約（学生・こども
総合保険以外の保険契約にセットされた特約や引受保険会社以外の保険契約を含みます。）が他にあるときは、補償が重複することがあります。補償が重複すると、補償対象となる事故による損害については、いずれの保険契約からでも補償されますが、損害の額等によってはいずれか一方の保険契約からは保険金が支払われない場合があり、保険料が無駄になることがあります。補償内容の差異や保険金額等を確認し、加入の要否を判断のうえ、ご加入ください。
１契約のみご加入している場合、ご加入を解約したときや、家族状況（注）の変化（同居から別居への変更等）により被保険者が補償の対象外となったとき等は、補償がなくなることがありますのでご注意ください。
＜補償が重複する可能性のある主な特約等＞
今回ご加入いただく補償補償の重複が発生する他の保険契約の例

学生・こども総合保険
日常生活個人賠償責任補償特約

自動車保険
日常生活賠償特約

学生・こども総合保険
住宅内生活用動産補償（大学生協用）特約

火災保険
家財補償条項38

3 Start of the coverage

In the event that a newly enrolled student has applied to subscribe(and has paid the insurance premium) by March 31, 2021, coverage
will begin at 0:00 hours on April 1, 2021. In the event of a mid-term
subscription, the coverage will begin from 0:00 hours of the day following the day the insurance premium was paid. In the case of renewed subscription, the coverage will begin from 4pm on April 1,
2021. The insurance premium should be paid using the methods stipulated in the pamphlet. In the event that the premium is not paid using
the method stipulated in the pamphlet, insurance payment will not be
paid, even if the insurance period has begun.

3 保障の開始時期

新入学生の方が2021年3月31日までに加入申込み（保険料払込み）された場合は、2021年4月1日午前0時から、また中途加入される場合、保険料払込日の翌日午前0時からとなります。継続加入の場合は、2021年4月
1日午後4時からとなります。保険料は、パンフレット等記載の方法により払込みください。パンフレット等記載の方法により保険料を払込みいただ
けない場合には、保険期間が始まった後であっても、保険金をお支払いしません。

4 Main cases in which insurance payment will not be paid

(main exemptions)(1) Main cases in which insurance payment will not be paid
Please refer to the pamphlet. Details of cases where insurance payment will not be paid are given in the item “Main cases in which
insurance payment will not be paid” in the common policy terms andconditions and special clause, etc.
(2) Cancellation due to a significant reason
In the event of any of the following, the policy will be cancelled, andinsurance payment may not be paid.
①The policyholder, the insured, or the recipient of insurance payment, has caused or attempted to cause an injury, etc., for the purposes of receiving insurance payments. ②The insured, or the recipient of insurance payment, has perpetrated a fraud, or attempted to
do so, with regard to an insurance payment claim. ③The policyholder, the insured, or the recipient of insurance payment, is recognized
as a member of an organized crime group or other anti-social force.
④The total of insurance amounts is significantly excessive, due toduplication with other insurance contracts, and there is a risk of asituation that runs counter to the purpose of the insurance system.
⑤A serious matter has been caused which damages the credibilityof the underwriting insurance company to the same degree as items① to ④, above, and makes the continuation of the policy (*) difficult.

4 保険金をお支払いしない主な場合（主な免責事由）等（1）保険金をお支払いしない主な場合
パンフレットをご参照ください。なお、保険金を支払わない場合の詳細は普通保険約款・特約等の「保険金を支払わない場合」の項目に記載されておりますのでご確認ください。
（2）重大事由による解除
次のことがある場合は、ご契約を解除し、保険金をお支払いできないことがあります。
①保険契約者、被保険者または保険金を受け取るべき方が、引受保険会社に保険金を支払わせることを目的としてケガ等を発生させ、または発生させようとしたこと。②被保険者または保険金を受け取るべき方が、保険金の請求について詐欺を行い、または行おうとしたこと。③保険契約者、被保険者
または保険金を受け取るべき方が、暴力団関係者、その他の反社会的勢力に該当すると認められたこと。④他の保険契約等との重複により、保険金額等の合計額が著しく過大となり、保険制度の目的に反する状態がもたらされるおそれがあること。⑤上記のほか、①～④と同程度に引受保険会社の信頼を損ない、保険契約の存続を困難とする重大な事由を発生させたこと。

5 Grace period for payment of premiums, etc.
The insurance premium should be paid using the methods stipulated
in the pamphlet. In the event that the premium is not paid using themethod stipulated in the pamphlet, insurance payment may not be
paid, and the policy may be cancelled.

5 保険料の払込猶予期間等の取扱い

保険料は、パンフレット等記載の方法により払込みください。パンフレット等記載の方法により保険料を払込みいただけない場合には、保険金をお支払いできないことがあります。また、ご契約を解除させていただくことがあります。

39

6 Invalidation (Comprehensive Insurance for Students/Chil-dren only)

In the event that the insured (*) dies after the insurance has been purchased, the policy will become invalid. Premiums for unexpired periods will be returned.
(*) Refers to the insured in the injury clause.

6 失効について（学生・こども総合保険のみ）

ご加入後に、被保険者 が死亡された場合には、この保険契約は失効となります。なお、未経過期間分の保険料を返還します。
（＊）傷害条項における被保険者をいいます。
（＊）

7 Cancellation and cancellation refund payment
In the event that you wish to cancel your policy before the period expires, please inform the insurance agent/ operator or the underwriting
insurance company.
•A cancellation refund for the period from the date of cancellation until
the expiration date will be paid.
Note, however, that any cancelUnexpired period
lation refund payment shall be,in principle, less than the premiStartingum for the unexpired period.
Cancellation
Expiry
date
date
date
•It is possible that additionalcharges will be levied for insurance premiums that shouldbe paid according to the periPeriod of insurance
od from the date on which theperiod commenced to the withdrawal (cancellation) date.

7 解約と解約返れい金

ご加入を中途で脱退（解約）される場合は、ご加入の代理店・扱者または引受保険会社にお申出ください。
• 脱 退（解約）日から満期日までの期間に未経過期間応じて、解約返れい金を返還させていただきます。ただし、解約返れい金は、原則
始期日
解約日
満期日
として未経過期間分よりも少なくなります。
• 始 期日から脱退（解約）日までの期間に保険期間応じて払込みいただくべき保険料について、追加のご請求をさせていただくことがあります。

8 In the event of bankruptcy of the insurance company
Protection of policyholders in the event of bankruptcy•It is possible that, due to a change in the business or financial circumstances of the insurance company, such as in the event that theunderwriting insurance company has gone bankrupt, insurance payments and cancellation refunds that were promised at the time ofsubscription may be frozen for a certain period, or the amounts may
be reduced.
•Non-life Insurance Policyholders Protection Corporation exists forthe purpose of protecting insurance policyholders in the event of thebankruptcy of a non-life insurance company. The underwriting insurance company is also a member of this Corporation. The insurance iscompensated by the Non-life Insurance Policyholders Protection Corporation and, therefore, compensation will be provided as stated below, even if the non-life insurance company goes bankrupt.
Comprehensive Insurance for Students/Children
Insurance payments and cancellation refunds will be compensated up
to 80%. However, insurance payments for accidents that occurred
before the bankruptcy or within three months after the bankruptcy will
be compensated 100%.
Premises/Product Liability Insurance
Insurance payments and cancellation refunds will be compensated up
to 80%. However, insurance payments for accidents that occurred
before the bankruptcy or within three months after the bankruptcy will
be compensated 100%.

8 保険会社破綻時等の取扱い＜経営破綻した場合等の保険契約者の保護について＞• 引受保険会社の経営が破綻した場合など保険会社の業務または財産の状
況の変化によって、ご加入時にお約束した保険金・解約返れい金等のお支払いが一定期間凍結されたり、金額が削減されたりすることがあります。

• 損害保険会社が経営破綻した場合に保険契約者等を保護する目的で、「損害保険契約者保護機構」があり、引受保険会社も加入しています。この保険は「損害保険契約者保護機構」の補償対象であり、損害保険会社が破綻した場合でも、次のとおり補償されます。
＜学生・こども総合保険＞
保険金、解約返れい金等は８０％まで補償されます。ただし、破綻前に発生した事故および破綻時から３か月までに発生した事故による保険金は１００％
補償されます。
＜施設・生産物賠償責任保険＞
保険金や解約返れい金は80%まで補償されます。ただし、破綻前に発生した事故および破綻時から3か月までに発生した事故による保険金は100%
補償されます。

9 The handling of personal information
See page 28.

9 個人情報の取扱いについて
P.28をご参照ください。

For advice, complaints or queries to Mitsui Sumitomo Insurance,“Mitsui Sumitomo Insurance Customer desk”
0120-632-277 (toll-free)
Hours of operation: weekdays 9:00 to 19:00 Saturdays and National Holidays: 9:00 to 17:00(The desk will be closed for yearend and New Year holidays. Queries fromoverseas cannot be handled.)
In the event of an accident, please contact the following without delay.
Mutual Insurance and Insurance support telephone number; 0120-335770
三井住友海上へのご相談・苦情・お問い合わせは「三井住友海上お客さまデスク」
0120-632-277（無料）
電話受付時間 平日▶9：00～19：00 土日・祝日▶9：00～17：00（年末年始は休業させていただきます。
（）海外からはご利用いただけません。）
万一、事故が起こった場合は遅滞なく、下記にご連絡ください。
大学生協 共済・保険サポートダイヤル 0120-335-770
Designated dispute resolution organization
The underwriting insurance company, pursuant to the Insurance Business
Act, has concluded a Basic Contract for Implementation of Dispute Resolution Procedures with The General Insurance Association of Japan, designated by the Commissioner of the Financial Services Agency as a designated dispute resolution organization.
In the event of an issue with the underwriting insurance company thatcannot be resolved, you may contact The General Insurance Associationof Japan for advice, or file an appeal for resolution.
The General Insurance Association of Japan Sompo ADR Center
0570-022-808 (Navi-dial (Calls charged throughout Japan.))
Hours of operation: weekdays 9:15 to 17:00(No service on Saturdays, Sundays, holidays or on New Year holidays.)•Calls may also be made from mobile telephones. From IP telephones,
please call 03-4332-5241.
•Please be careful to avoid dialing the wrong number.
For details, see the website of The General Insurance Association of Japan.
(https://www.sonpo.or.jp/about/efforts/adr/index.html)
指定紛争解決機関
引受保険会社は、保険業法に基づく金融庁長官の指定を受けた指定紛争解決機
関である一般社団法人 日本損害保険協会と手続実施基本契約を締結しています。引受保険会社との間で問題を解決できない場合には、一般社団法人 日本損害保険協会にご相談いただくか、解決の申し立てを行うことができます。
一般社団法人 日本損害保険協会 そんぽADRセンター
0570-022-808〔ナビダイヤル（全国共通・通話料有料）〕
受付時間 平日▶9：15～17：00（土日・祝日および年末年始を除きます）]•携帯電話からも利用できます。IP電話からは03-4332-5241におかけください。
•おかけ間違いにご注意ください。
•詳細は、一般社団法人日本損害保険協会のWebサイトをご覧ください。
（https://www.sonpo.or.jp/about/efforts/adr/index.html）

Other matters for attention

その他ご注意いただきたいこと
Notification to the underwriting insurance company in the event of circumstances eligible for an insurance payment•In the event of circumstances eligible for an insurance payment, pleasecontact the insurance agent/ operator or the underwriting insurance company. They will provide you with detailed information about the proceduresfor filing an insurance payment claim. In the event that no contact is madewithin thirty days of the date of the circumstances eligible for an insurance
payment, or that known facts are not declared, or a declaration differs from
actual facts, the underwriting insurance company may deduct any damages that they have incurred, before making the insurance payment.
＜保険金をお支払いする場合に該当したときの引受保険会社へのご連絡＞●保険金をお支払いする場合に該当したときは、代理店・扱者または引受保険会社までご連絡ください。保険金請求の手続につきまして詳しくご案内いたします。なお、保険金をお支払いする場合に該当した日から３０日以内にご連絡がない場合、もしくは知っている事実を告げなかった場合、または事実と異なることを告げた場合は、引受保険会社はそれによって被った損害の額を差し引いて保険金をお支払いすることがあります。
Insurance payment execution date•Within thirty days after you have submitted the documentation (*1) necessary for claiming an insurance payment, including that day, the underwriting insurance company will complete its confirmation (*2) the mattersthat are necessary in order to make the insurance payment, and will thenmake the payment. (*3)(*1) To check the documentation necessary for claiming an insurance payment, refer to “Documentation necessary for claiming an insurance payment”. In the event that an insurance payment claim is being filed by aproxy, they shall submit documents demonstrating that the insured cannot make a claim for an insurance payment by themselves.
(*2) Refers to confirmation of whether or not there is a reason to make aninsurance payment, whether or not there is a reason to withhold insurance
payment, calculation of the insurance payment, whether or not the insurance policy is valid, and other matters that require confirmation in orderto determine the amount of insurance payment that the underwriting insurance company should pay.
(*3) In the event that it becomes necessary to reference the results of aninvestigation by a public organization such as the police, the results of
examination by a specialized organization such as a medical institution,
investigate an affected area to which the Disaster Relief Act applies, or
conduct an investigation outside Japan, in order to confirm necessary
matters, the insurance payment will be made by number of days stipulated in the common policy terms and conditions and special clauses. In thiscase, the underwriting insurance company will notify the insured or therecipient of insurance payment of the matters that require confirmation
and by when such confirmation will be completed.
＜保険金支払いの履行期＞●引受保険会社は、保険金請求に必要な書類（＊１）をご提出いただいてからその日を含めて３０日以内に、保険金をお支払いするために必要な事項の確（＊３）
認（＊２）を終えて保険金をお支払いします。
（＊１）保険金請求に必要な書類は、「保険金のご請求時にご提出いただく書類」
をご参照ください。代理請求人が保険金を請求される場合は、被保険者が保険金を請求できない事情を示す書類をご提出いただきます。
（＊２）保険金をお支払いする事由の有無、保険金をお支払いしない事由の有無、保険金の額の算出、保険契約の効力の有無、その他引受保険会社がお支払いすべき保険金の額の確定のために確認が必要な事項をいいます。
（＊３）必要な事項の確認を行うために、警察などの公の機関の捜査結果の照会、医療機関など専門機関の診断結果の照会、災害救助法が適用された被災地における調査、日本国外における調査等が必要な場合には、普通保険約款・特約に定める日数までに保険金をお支払いします。この場合、引受保険会社は確認が必要な事項およびその確認を終える時期を被保険者または保険金を受け取るべき方に通知します。
Documentation necessary for claiming an insurance payment•In the event that the insured or the recipient of insurance payment (including their proxies) make a claim for an insurance payment, they should
submit the documents that the underwriting insurance company requests
after receipt of notification of the accident. If anything is unclear, pleasecontact the insurance agent/ operator or the underwriting insurance company.
＜保険金のご請求時にご提出いただく書類＞●被 保険者または保険金を受け取るべき方（これらの方の代理人を含みます。）が保険金の請求を行う場合は、事故受付後に引受保険会社が求める書類をご提出いただきます。ご不明な点については、代理店・扱者または引受保険会社までお問い合わせください。
Documents to be submitted
Documents that the underwriting insurance company requests fromamong those listed below:○The underwriting insurance company’s prescribed insurance payment
claim form ○The underwriting insurance company’s prescribed agreement statement ○Materials related to the cause of the accident and thestate of the damages ○Materials for confirming the validity of the insur-

40

ance payment claim being made by the insured or their proxy (certificate
of residence, health insurance card (copy), etc.) ○The underwriting insurance company’s prescribed health certificate ○Declaration of the statusof examination ○An accident certificate issued by a public organization (ifunavoidable, a third party) ○A death certificate ○Documents that confirm the amounts of damage compensation payments, insurance payments and other benefits paid by other parties ○Documents that confirm
the amount of damage compensation and the person with the right toclaim damage compensation ○The underwriting insurance company’sprescribed accident report form, documents that confirm the occurrenceof damage or expenses, and other similar documents
You may be asked to submit documents additional to those listed above,
according to the contents of the accident and the amount of damage.
■Please note that there is a statute of limitations (three years) on the rightto make insurance payment claims. For details such as when the right tomake an insurance payment claim arises, please check the common policy terms and conditions, special clauses.
【ご提出いただく書類】
以下の書類のうち引受保険会社が求めるもの
○引受保険会社所定の保険金請求書○引受保険会社所定の同意書○事故
原因・損害状況に関する資料○被保険者またはその代理人の保険金請求であることを確認するための資料（住民票、健康保険証（写）等）○引受保険
会社所定の診断書○診療状況申告書○公の機関（やむを得ない場合は第三者）等の事故証明書○死亡診断書○他から支払われる損害賠償金・保険金、給付金等の額を確認する書類○損害賠償の額および損害賠償請求権者を確認する書類○引受保険会社所定の事故内容報告書、損害または費用の発生を確認する書類およびその他これらに類する書類
事故の内容、損害額等に応じて上記の書類以外の書類をご提出いただくよ
うお願いすることがあります。
■保険金請求権については時効（3年）がありますのでご注意ください。保険金請求権の発生時期等の詳細は、普通保険約款・特約等でご確認ください。
Explanation of co-insuranceThis insurance contract is a co-insurance contract based on a special
clause related to co-insurance. The respective underwriting insurancecompanies will bear liability under independent and individual insurance
contracts with no joint liability, according to their underwriting shares. In
addition, Mitsui Sumitomo Insurance Co., Ltd., as the lead underwriter, willconduct the business and administration of other underwriting insurancecompanies on an agent/proxy basis. The underwriting insurance companies are as stated below. Also, please check with your insurance agent
with regard to the underwriting shares of each company.
Mitsui Sumitomo Insurance Co., Ltd. (lead underwriter)
Kyoei Fire & Marine Insurance Co., Ltd.
Tokio Marine & Nichido Fire Insurance Co., Ltd.
＜共同保険のご説明＞
この保険契約は共同保険に関する特約に基づく共同保険契約です。それぞれの引受保険会社は、引受割合に応じて、連帯することなく単独別個に保険契約上の責任を負います。また、三井住友海上は、幹事保険会社として他の引受保険会社の業務および事務の代理・代行を行います。引受保険会社は次のとおりです。なお、各保険会社の引受割合につきましては、代理店にご照会ください。
三井住友海上火災保険株式会社（幹事会社）
共栄火災海上保険株式会社
東京海上日動火災保険株式会社
Proxy claimants (Comprehensive Insurance for Students/Children only)●In the event that the insured cannot submit a claim for an insurance
payment, due to serious disability or loss of intent capacity, and there is
no representative for the insured who is entitled to receive an insurance
payment, subject to the approval of the underwriting insurance company,
someone such as a spouse (*) who is living with or sharing a livelihood
with the insured (hereinafter referred to as a “proxy claimant”: for details
please refer to the Notes, below) can submit a claim for insurance payment. For details, please ask the insurance agent/ operator or the underwriting insurance company. In addition, please be sure to explain the details to the person who will be the Proxy Claimant.
Notes(1) “A spouse (*) who lives with or shares a livelihood with the insured”.
(2) In the event that there is no person who comes under (1), above, orthat there are circumstances under which the person who comes under(1), above, cannot submit a claim for insurance payment, “a relative within
three degrees who lives with or shares a livelihood with the insured”.
(3) In the event that there is no person who comes under (1) or (2), above,or that there are circumstances under which the person who comes under(1) or (2), above, cannot submit a claim for an insurance payment, “aspouse (*) other than the person listed in (1), above,” or “a relative within
three degrees, other than the person listed in (2) above”.
(*) Limited to a legal spouse.
●This insurance policy is valid for one year. Please understand that, depending upon the kinds of insurance payment claims that have been41

made, etc., it may not be possible to renew the policy, or that the detailsof the compensation cover may need to be changed.
●Your subscription content may be registered (Comprehensive Insurance
for Students/Children only). To ensure that the non-life insurance systemis operated soundly, and that insurances such as death insurance payments, disability insurance payments, hospitalization insurance payments,
out-patient insurance payments and the like are properly and reliably paidout, the policies for these insurance payments are recorded in the policy
content registration system operated by the General Insurance Association of Japan.
●The certificate of Personal Liability Insurance for Students that will besent to you after you have subscribed should be read carefully and thenkept in a safe place.
●With regard to out-of-court settlement mediation for a compensatedaccident that is compensated by the policy (special clause) for damages
incurred due to a burden of legal liability for compensation, please consult
the underwriting insurance company in advance. Please note that, in theevent that you have admitted liability for damage compensation withoutobtaining the underwriting insurance company’s approval in advance, or
have paid damages without such approval, it may become impossible topay insurance payment.
＜代理請求人について＞（学生・こども総合保険のみ）●高度障害状態となり、意思能力を喪失した場合など、被保険者に保険金を請求できない事情があり、かつ、保険金を受け取るべき被保険者の代理人がいない場合には、引受保険会社の承認を得て、その被保険者と同居または生計を共にする配偶者（＊）等（以下「代理請求人」といいます。詳細は（注）をご参照ください。）が保険金を請求できることがあります。詳細は代理店・扱者または引受保険会社までお問い合わせください。また、本内容については、代理請求人となられる方にも必ずご説明ください。
（注）①「被保険者と同居または生計を共にする配偶者（＊）」②上記①に該当する方がいないまたは上記①に該当する方に保険金を請求できない事情がある場合「被保険者と同居または生計を共にする３親等内の親族」③上記①、②に該当する方がいないまたは上記①、②に該当する方に保険金を請求できない事情がある場合「上記①以外の配偶者（＊）」または「上記②以外の３親等内の親族」（＊）法律上の配偶者に限ります。
●この保険の保険期間は１年間となります。保険金請求状況等によっては、保険期間終了後、継続加入できないことや補償内容を変更させていただくことがあります。あらかじめご了承ください。
●お客さまのご加入内容が登録されることがあります。
（学生・こども総合保険のみ）損害保険制度が健全に運営され、死亡保険金、後遺障がい保険金、入院保険金、通院保険金等のお支払いが正しく確実に行われるよう、これらの保険金のある保険契約について、一般社団法人日本損害保険協会が運営する契約内容登録制度への登録を実施しております。
●ご加入いただいた後にお届けする学生賠償責任保険加入者証は、内容をご確認のうえ、大切に保管してください。
●法律上の賠償責任などを負担することによって被った損害を補償する契約（特約）の対象となる賠償事故の示談交渉については、事前に引受保険会社
へご相談ください。なお、あらかじめ引受保険会社の承認を得ないで損害賠償責任を認めたり、賠償金などを支払われた場合には、保険金をお支払いできないことなどがありますのでご注意ください。
Out-of-court settlement mediation service (Comprehensive Insurance forStudents/Children only)
At the request of the insured concerning a compensated accident covered by a special clause for Daily Life Personal Liability Compensation, ora compensated accident covered by a special clause for compensation
for Tenant Liability (all risk) that has occurred in Japan, if the consent of
the insured has been obtained, in principle the underwriting insurancecompany will undertake out-of-court settlement mediation on behalf of
the insured. In addition, in the event that insurance is to be paid for acompensated accident that has occurred in Japan, the victim can also
claim an amount of damage compensation equivalent to the insurance
payment directly to the underwriting insurance company.
＜示談交渉サービス＞（学生・こども総合保険のみ）
日本国内において発生した、日常生活個人賠償責任補償特約の対象となる賠
償事故、借家人賠償責任補償（オールリスク）特約の対象となる賠償事故について被保険者のお申出があり、かつ被保険者の同意が得られれば、引受保険会社は原則として被保険者のために示談交渉をお引受いたします。また、日本国内において発生した賠償事故で保険金が支払われる場合、被害者が保険金相当の損害賠償額を引受保険会社へ直接請求することもできます。
Main cases in which out-of-court settlement mediation cannot be undertaken○Where the amount of legal damages payable by the insured for a single
accident clearly exceeds the insurance amount stipulated in the special
clause for Daily Life Personal Liability Compensation, or the special
clause for Tenant Liability (all risk). ○Where the other party does not agree
to negotiations with the underwriting insurance company ○Where, duringnegotiations with the other party, the insured refuses to cooperate withthe underwriting insurance company without a valid reason ○Where lawsuit related to the claim for damage compensation has been brought in acourt outside of Japan ○In the case of a compensated accident that is
subject to Facility owner (manager) liability insurance – Product liability insurance＜示談交渉を行うことができない主な場合＞○1回の事故につき、被保険者が負担する法律上の損害賠償責任の額が日常生活個
人賠償責任補償特約、借家人賠償責任補償（オールリスク）特約で定める保険金額を明らかに超える場合○相手の方が引受保険会社との交渉に同意されない場合○相手の方との交渉に際し、正当な理由なく被保険者が引受保険会社への協力を拒んだ場合○被保険者に対する損害賠償請求に関する訴訟が日本国外の裁判所に提起された場
合○施設所有（管理）者・生産物賠償責任保険の対象となる賠償事故の場合

Items to be checked concerning your subscription
ご加入内容確認事項

When completing subscription procedures, be sure tocheck the following items carefully.

These items to be checked will enable you to confirm that the insurance
product that we have proposed includes contents that meet your requirements and that all of the particularly important details to fill in for yourinsurance purchase are correct, so that you can use the insurance withpeace of mind in the event of an accident. Please take the time to re-confirm the answers to the following questions. If anything is unclear or if you
have a question about your subscription, please ask the insurance agent/
operator or the underwriting insurance company (given in the pamphlet).

ご加入手続きに際し、以下の事項を十分にご確認ください。

本確認事項は、万一の事故の際に安心して保険をご利用いただけるよう、ご提案いたしました保険商品がお客さまのご希望に合致した内容であること、ご加入いただくうえで特に重要な事項を正しくご記入いただいていることを確認させていただくためのものです。お手数ですが、以下の各質問項目について、再度ご確認いただきますようお願い申し上げます。なお、ご加入にあた
りご不明な点や疑問点がございましたら、パンフレット記載の代理店・扱者または引受保険会社までお問い合わせください。
1. Please check the pamphlet and “Explanation of Important Matters” tomake sure that the insurance product contents meet your requirements interms of the points listed below. In the event that your requirements are notfully met, please review the contents of your subscription.
Please check whether or not it is necessary for you to subscribe to thespecial clauses that are stated in “Explanation of Important Matters”, andfor which it is possible that coverage could overlap.
•Case in which insurance will be paid (including the main policy and special clauses that are part of the package) •Insurance amount (monetaryamount of the policy) •Insurance period (contract period for the insurance) •Insurance premiums •Method of paying the insurance premiums
１．保険商品が以下の点でお客さまのご希望に合致した内容となっていることをパンフレット・重要事項のご説明でご確認ください。万一、ご希望に合致しない場合は、ご加入内容を再度ご検討ください。
「重要事項のご説明」に記載の、補償が重複する可能性のある特約等については、ご加入の要否をご確認ください。
•保険金のお支払事由（主契約、セットしている特約を含みます。）•保険金額（ご契約金額）•保険期間（保険のご契約期間）•保険料・保険料払込方法

Please check the following.

皆さまがご確認ください。

•Have the “Date of birth” and “Gender” columns of the application form
been filled in correctly?
•Has the “Other insurance (mutual insurance) policies of the insured”
column in the application form been correctly filled in?
•Have the “Does the insured have an occupation?” and “Occupation ortype of occupation” columns in the application form been correctly
filled in?
*The application form for the insurance product that you are subscribing
to, may not have all of the aforementioned columns. It is not necessary
to check items for which the aforementioned columns do not exist.
*If you have already completed the above columns and printed out theapplication, please check that there are no errors in the content.
• 加入申込書の「生年月日」「、性別」欄は正しくご記入いただいていますか？
• 加入申込書の「被保険者の他の保険（共済）契約」欄は正しくご記入いただ
いていますか？
• 加入申込書の「被保険者の職業の有無」「職業の種類または職種」欄は正しくご記入いただいていますか？
＊ご 加入いただく保険商品の加入申込書によっては、上記の欄がない場合があります。上記のうち欄がないものについてのご確認は不要となります。
＊上 記の欄について事前に打ち出している場合は、内容に誤りがないことをご確認ください。
3. Please note that, if any of the following applied, a “Subscription application” or “Change application” will need to be submitted.
•When newly subscribing to this insurance system•When renewing with changes to the original details of the subscription(change of the insured, changes to the compensation cover, changes
in occupation, or type or class of occupation, etc.)•When already subscribed, but not renewing.
3．次のいずれかに該当する場合には「加入申込書」もしくは「変更申込書」のご提出が必要ですのでご確認ください。
•この保険制度に新規加入される場合•既にご加入の内容を変更してご継続される場合（被保険者の変更、補償内容の変更、職業・職務・職種級別の変更 など）•既にご加入されているがご継続されない場合
About pre-matriculation fire insurance
The period of coverage of pre-matriculation fire insurance is from thedate of the start of the rental agreement, or the day following the day
when the new application for subscription to Personal Liability Insurance for Students (with special clause for persons living alone) is approved, whichever is the later, until day before the start of the Personal
Liability Insurance for Students (with special clause for persons living
alone) cover. Note that the maximum period of coverage is one monthfrom the 1st day of the month prior to the month of matriculation. For
details, refer to the University Co-operatives Mutual Aid Federation
website.
入学前火災保障について
入学前火災保障期間は、賃貸借契約の契約開始日または学生賠償責任保険（一人暮らし特約あり）新規契
約の申込みを承諾した日の翌日のいずれか遅い日から学生賠償責任保険（一人暮らし特約あり）の発効日の前日までの期間とします。ただし、入学月の前月の１日から最長１か月とします。詳しくは、大学生協の学生総合共済のWebサイトをご覧ください。

2. Please check that there are no omissions or mistakes in the statements
and entries in the subscription application form. The items given below
are necessary for the correct calculation of insurance premiums and theappropriate payment of insurance. Please check the contents carefully andcomplete the subscription application form correctly.
If there are any omissions or mistake, please enter the additional information or correct the mistakes.
２．加入申込書への記載・記入の漏れ・誤りがないかご確認ください。
以下の項目は、正しい保険料の算出や適切な保険金のお支払い等に必要な項目です。内容をよくご確認いただき、加入申込書に正しくご記入いただきますようお願い申し上げます。
記載・記入の漏れ・誤りがある場合には、訂正あるいは追記をお願いいたします。

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