20240116_10412445_04.indd

Type A [Death benefits coverage of up to 20 million yen]

Insurance effective
as of April 1, 2024

(Optional enrollment for additional coverage)

Handbook for Enrollment of Personal Accident Insurance
for Students Pursuing Education and Research "Gakkensai"

Please read this through in preparation for unexpected accidents such as
when you suffer an injury

This insurance does not issue insurance policies toindividual students.
Keep this booklet in a safe place in lieu of an insurance card!

〈For your records〉The enrolling student should fill in these details
Year ofEnrollment

Period ofyears
Insuranceyear(s)Commuting CoverageContact Infection
Coverage

Yes/NoYes/NoName(Note)1. Accidents that occur while commuting to school or when in transit between school facilities shall only becovered if the insured is enrolled in the Personal Accident Insurance for Students Pursuing Education
and Research with the additional coverage for commuting accidents.
2. Measures received to prevent infectious diseases for infections through contact shall only be covered if theinsured is enrolled in the Personal Accident Insurance for Students Pursuing Education and Researchwith the additional coverage for the prevention of contact infection.

20240116_10412445_04.indd

For enrolling students
The details of this insurance and your obligations as the insured (those
covered under this insurance) are determined by various regulations of theStandard Provisions for Personal Accident Insurance for Students Pursuing
Education and Research, additional coverage for commuting accidents, andbenefits for the additional coverage for the prevention of contact infection.
This handbook contains particularly important points in provisions andcoverage. Please read them in preparation for emergencies, and store thisin a readily available place.

<Contents>
I. O
 verview of Personal Accident Insurance for Students Pursuing Education and Research(pp. 2 – 6)
1. Period of this insurance
2. Damages covered under this insurance
3. Types of claims and amounts
4. Examples of activities covered under this insurance
5. Main cases not covered under benefits
6. Procedures for changes of contact (Changes from day or evening classes, etc.,
withdrawal, absence from school)
II. Procedures in the event of an accident (p. 7)
1. Accident report
2. Insurance claim procedures
III. Standard Provisions for Personal Accident Insurance for Students Pursuing Education
and Research (pp. 8 – 12)
IV. Additional coverage for commuting accidents (p. 12)
V. Additional coverage for the prevention of contact infection (p. 13)
VI. E
 ndorsement concerning coinsurance (p. 13)
VII. Coverage clauses of Personal Accident Insurance for Students Pursuing Education
and Research (pp. 13 – 15)
VIII. E
 xplanations of Important Points (p. 15)
1. Contract Overview
2. Points of Attention
IX. Addresses for insurance claims (Wellness Insurance Money Support Dept, Tokio
Marine and Nichido Co., Ltd.) (p. 16)
X. Other (p. 17)

Personal Accident Insurance for Students Pursuing Education and Research is a contract of co-insurance entered into between
Japan Educational Exchanges and Services (JEES) and the insurance companies listed below (to be confirmed), with Tokio
Marine & Nichido Fire Insurance Co., Ltd. acting for and on behalf of the other insurance companies. Each insurance company
bears obligations under the contract, not jointly but separately, in accordance with its underwriting share determined at the timeof acceptance. For details of underwriting shares, please check with JEES.
Aioi Nissay Dowa Insurance Sompo Japan Insurance
Tokio Marine Nichido (Lead insurance company)
Mitsui Sumitomo Insurance

20240116_10412445_04.indd

For inquiries about enrollment or approval, contact the section
in charge at your school (students section, student support
section, health center)

Insurance premiums
For those who wish to enroll with additional coverages, add the additional premiums for the coverage desired.
Additional coverages available differ at each school. For more information, please contact your school’s help desk.
Basic contract
Period ofinsurance

Additional coverage

Additional coverage for commuting
Additional
accidents
Correspondence
coverage for theDaytime classes Evening classes
education
Daytime/Evening Correspondence prevention ofcontact infection
education
classes

1 year

650 yen

100 yen

350 yen

20 yen2 years

1,200 yen

200 yen

550 yen

40 yen3 years

1,800 yen

300 yen

4 years

2,300 yen

400 yen

5 years

2,800 yen

500 yen

1,250 yen

80 yen6 years

3,300 yen―

1,400 yen

100 yen

100 yen

800 yen
1,000 yen

40 yen(Note) Insurance premiums are paid in full-year units even when enrolling after the academic year has started.
(Note) The option for commuting coverage for evening classes in the 6th year is not available.
(Note) The coverage for a correspondence course is available for 6 years.

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I. O
 verview of Personal Accident Insurance for Students Pursuing Education and Research
1. Period of this insurance
The period of insurance shall fall under one of the following.
Commencement of Insurance

Conclusion of Insurance

Students admitted in April

From 0:00 a.m., April 1(of the expected academic year of graduation(＊1)) to 12 p.m., March 31

Students admitted in September

From 0:00 a.m., September 1(of the expected academic year of graduation(＊1)) to 12 p.m., August 31

Students admitted in October

From 0:00 a.m., October 1(of the expected academic year of graduation(＊1)) to 12 p.m., September 30(＊1) In principle, applications shall be for the entire period of study until graduation.

In the following cases, however, the commencement dates shall be as follows:<Enrollment of all students (decided by the school)> In the case where the enrollment
date decided(＊2) at a school organization is after the commencement of insurance
listed above:

The insurance period shall commence from 0:00
a.m. of the resolved date of enrollment.

<Optional enrollment (decided by the student)> In the case where the date the insured(students) applied for insurance at the schools they belong to with the payment ofprescribed premiums comes after the listed above commencement of insurance(＊3).

The insurance period shall commence from 0:00
a.m. of the day following the application date.

(＊2) The enrollment date cannot be earlier than the date of determination.
(＊3) In principle, application shall be submitted at the same time as university/college admission procedures.

If you are not sure about the enrollment form (enrollment of all members or optional enrollment) or if you are not sure about when the insurance
period commences, please contact the section in charge at your school (student services, student support, insurance center, etc.).
Points to note
(1) Liability for insurance for students admitted in April begins at 0:00 a.m., April 1. However, commencement for insurance after April
1 shall be as follows.
① Enrollment of all students: If the enrollment date decided at a faculty is after April 1, the insurance period shall commence from 0:00 a.m.
of the resolved date of enrollment.
② Optional enrollment: If the date of the application is after April 1, the liability of insurance will begin from 0:00 a.m. of the day subsequent
to the date when students (the insured) submit applications with the prescribed premiums to the member school they belong to.
(2) Liability for insurance for students admitted in September begins at 0:00 a.m., September 1. However, commencement for
insurance after September 1 shall be as follows.
① Enrollment of all students: If the enrollment date decided at a faculty is after September 1, the insurance period shall commence from 0:00
a.m. of the resolved date of enrollment.
② Optional enrollment: If the date of application is after September 1, the liability of insurance will begin from 0:00 a.m. of the day subsequent
to the date when students (the insured) submit applications with the prescribed premiums to the member school they belong to.
(3) Liability for insurance for students admitted in October begins at 0:00 a.m., October 1. However, commencement for insurance
after October 1 shall be as follows.
① Enrollment of all students: If the enrollment date decided at a faculty is after October 1, the insurance period shall commence from 0:00
a.m. of the resolved date of enrollment.
② Optional enrollment: If the date of the application is after October 1, the liability of insurance will begin from 0:00 a.m. of the day subsequent
to the date when students (the insured) submit applications with the prescribed premiums to the member school they belong to.

2. Damages covered under this insurance(1) Standard Provisions for Personal Accident Insurance for Students Pursuing Education and Research
Cases where the insured (those who may receive compensation) suffers a physical injury in Japan or overseas as a result of a sudden andunexpected accident of an external origin in the course of educational and research activities in a school shall be covered.
(Note) “Illness” shall not be covered.
(Note) “Injuries” shall include the following:① Toxic symptoms (excluding poisoning symptoms as a result of habitual inhalation, absorption or intake) arising suddenly from theaccidental inhalation, absorption or intake of toxic gases or substances from external sources in one breath.
② Physical impediment arising from sunstroke or heatstroke.

“The course of educational and research activities” means:① During regular curricular activities
During classes with lectures, experiments, seminars, and practical training courses (hereinafter collectively as “classes”), including:a. Research for graduation thesis and dissertation under the supervision of an educator. However, this excludes research conducted solely
in locations involving private circumstances.
b. Research activities conducted in the school library, reference room, language learning facility, or other locations in the preparation andclean up of lessons under the supervision of an educator.
c. While engaged in a curriculum at another university, junior college or technical college in accordance with Article 15 of the Standards for
Establishment of Graduate Schools, Article 28 of the Standards for Establishment of Universities and Article 19 of the Standards for the
Establishment of Technical Colleges. Moreover, “other university, junior college or technical college” mentioned in this paragraph shall
include universities and junior colleges, etc. in foreign countries.
d. Schooling for correspondence students.

－ 2 －20240116_10412445_04.indd② During participation in school events
During participation in all educational activities which include the entrance ceremony, orientation, and graduation ceremony, and other events
hosted by the school.

③ When on school premises during times other than ① , ② , or ④ .
During periods when the insured is in school facilities owned, used or managed by the school for educational activities. However, this excludes
periods in the dormitory, any activity held in times and locations prohibited by the school, and during conduct prohibited by the school.

④ During extracurricular (club) activities
During cultural or athletic activities in accordance with the school rules and regulations and under the supervision of a student group
approved by the school. However, this excludes when the insured is engaged in mountain climbing, hang gliding, other dangerous sports, or
activities held in times and locations prohibited by the school, and during conduct prohibited by the school.

(2) Additional coverage for commuting accidents
Limited to those enrolled in "Gakkensai" with this coverage
Cases where the insured (those covered under insurance) sustains a physical injury from an accident during the commute to school from
his/her residence or when in transit between school facilities shall be covered.
① During the commute to school
While commuting to and from the residence (including the place of employment for those who enter the school after passing the entrance
exam for adults)(＊1) and the school facilities(＊2) (until entrance onto grounds) for the purpose of participating in school classes(＊3), school
events, and extracurricular (club) activities of the school by reasonable route(s) and methods (excluding the methods prohibited by theschool)(＊4).
② In transit between school facilities(＊2)
During transit by reasonab le route(s) and methods (excluding the methods prohibited by the school)(＊4) between school facilities
owned,used, or managed by the school for educational and research purposes, as well as between locations where classes, school events,
orextracurricular (club) activities are conducted, for the purpose of participating in school classes and other lessons (＊3), school events
andextracurricular (club) activities of the school.

(＊1) “Residence” means: Building in which the student resides for daily life and the location used when attending school. This also includes the place of employment for
those who enter the school after passing the entrance exam for adults. (＊5) However, any place students need to stay other than their normal residence due to any
event of force majeure such as extended commuting hours, natural disasters, or traffic conditions shall be considered the residence.
(＊2) “School facilities” refers to facilities owned, used, or managed by the school for educational and research purposes, including locations used for conducting classes,
school events, or extracurricular (club) activities.

Deviation/Interruption
In principle, damages incurred while or after deviating from a path (straying from a reasonable route for reasons unrelated to theparticipation of class or activity) or interrupting the commute/transit (stopping for reasons unrelated to the commute) will not becovered by this insurance. However, damages incurred after deviating or stopping during the commute on reasonable routes will becovered by this insurance if for purchasing materials necessary for class, school events or extracurricular (club) activities, or during
the minimum time necessary for acts considered unavoidable in everyday life. The following are examples of such acts:(1) Purchasing a textbook necessary for class. (2) Purchasing prepared food items. (3) For students who live alone, going to a restaurant.
(4) Voting in an election.
(5) Medical checkup at a hospital or clinic.
“Methods” refers to means of travel that are generally used, including public transportation such as railways and buses, cycling,
driving, walking, or other normal methods (excluding methods that are prohibited by the school), and shall be considered reasonable
methods, regardless of whether they are regularly used or not.
(＊3) For details regarding “school classes,” refer to “During regular curricular activities” on page 2(＊4) “Reasonable route(s) and methods (excluding the methods prohibited by the school)” means: Routes and methods thought to be generally used by students fortraveling to and from their residence and school or between school facilities.
“Routes” of course includes routes noted on the school commuter ticket, but also refers to other routes which are considered to be generally used: these, too,shall be deemed as reasonable routes. Also, if detours are inevitable due to public transportation strike, roadblock, etc., and if the routes used for the detours are
considered to be generally used, they shall also be considered reasonable routes.
(＊5) “Entrance exam for adults” refers to the entrance exam for working members of society who are admitted under different methods besides those for generalapplicants for admission, such as by special selection exam for adults.

(3) Additional coverage for the prevention of contact infection
Limited to those enrolled in "Gakkensai" with this coverage
15,000 yen (fixed amount) will be paid in the event that measures to prevent infectious diseases were received for unexpected contact with
infectious pathogens within 180 days from the day on which the accident that was the cause of the contact infection that occurred, includingthat day, within facilities used for the purpose of clinical training.
(Note) Hospital-acquired infections other than infections through contact (e.g., airborne infections) are not subject to this agreement.

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The terms used in the chart below shall be defined by their respective meanings.
Term①

Contact infection②

Clinical training③

Definition
The insured’s unexpected direct or indirect contact(＊6) with infectious(＊7) pathogens within a facility used for the
purpose of clinical training.

Training conducted at hospitals and other facilities(＊8).

Measures to prevent Examination or administered medicine for the purpose of preventing the spread or outbreak of an infectious
infectious diseasedisease. However, these actions are limited to instruction and guidance from a medical professional.

(＊6) Includes risk of contact.
(＊7) Infectious disease as stated in Item 1 of Article 6 of the law regarding Disease Prevention and Medical Care for the Patients. Same for below in this coverage.
(＊8) Hospitals or clinics, etc. Same for below in this coverage.

<Article 6 of the Act Concerning Prevention of Infectious Diseases and Medical Care for Patients Suffering Infectious Diseases (as of June 7, 2023)>
Article 6: In this act, “infectious disease” refers to a Class 1 infection, a Class 2 infection, a Class 3 infection, a Class 4 infection, a Class 5
infection, a new strain of influenza infection, a designated infection, or a new infection.

2 “Class 1 infection” in this act refers to the following infectious
diseases.
1
2
3
4
5
6
7

6 “Class 5 infection” in this act refers to the following infectious
diseases.

Ebola hemorrhagic fever
Crimean-Congo hemorrhagic fever
Smallpox
South American hemorrhagic fever
PlagueMarburg disease
Lassa fever

1
2
3
4
5
6
7
8

3 “Class 2 infection” in this act refers to the following infectious
diseases.
1
2
3
4
5

6

Poliomyelitis
Tuberculosis
Diphtheria
Severe acute respiratory syndrome (only that caused by virus
belonging to SARS Betacoronavirus family)
Middle East Respiratory Syndrome (only that for which thepathogen is the beta coronavirus MERS coronavirus)
Avian influenza (limited to the one involving any influenza
A virus within the genus Influenza virus A as a pathogen
and involving a serosubtype which is specified by Cabinet
Order as being highly likely to mutate into a pathogen of a
Novel Influenza Infection (excluding COVID-19 specified inparagraph (7), item (iii) and Re-emerging COVID-19 specified
in and paragraph (7), item (iv), and the same as the one
specified in paragraph (6), item (i) and paragraph (23), item (i)).
Referred to as Avian Influenza H5N1 specified in paragraph (5),item (vii)).

97 “New strains of influenza infection” in this act refers to the following
infectious diseases.

1

2

4 “Class 3 infection” in this act refers to the following infectious
diseases.
1
2
3
4
5

CholeraShigellosis
Enterohemorrhagic Escherichia coli infection
Typhoid fever
Paratyphoid fever

3

5 “Class 4 infection” in this act refers to the following infectious
diseases.
1
2
3
4
5
6
7
8
9
10

Hepatitis E
Hepatitis A
Yellow fever
Q feverRabiesAnthrax
Avian influenza (except avian influenza)
Botulism
Malaria
Tularemia
Aside from the preceding diseases, all other known infectious
diseases that can be acquired through contact with animals,
the carcasses thereof, food and drink, clothing, bedding, and11other objects, and are determined by government ordinanceto have the same level of adverse effects as the preceding
diseases on public health.

Influenza (except avian influenza and new strains of influenza
infection)
Viral hepatitis (except hepatitis E and hepatitis A)
Cryptosporidiosis
Acquired immunodeficiency syndrome
Genital chlamydial infection
Syphilis
Measles
Methicillin-resistant Staphylococcus aureus infection
Aside from the preceding diseases, all other known infectious
diseases (except Class 4 infection) determined by an
ordinance of the Ministry of Health, Labour and Welfare tohave the same level of adverse effects as the preceding
diseases on public health.

4

New influenza (refers to an influenza whose pathogenic agent
is a virus that has a new ability for transmission from person
to person, and, since a major part of the general public lacks
immunity to this infection, is recognized to pose a great danger
to the life and health of the public through its nationwide, rapid
spread.)Re-emerging influenza (refers to an influenza that in the pastattained prevalence on a global scale but, after the passage ofa long period of inactivity, has been determined by the Ministryof Health, Labour and Welfare to have re-emerged, and,since a major part of the general public lacks immunity to thisinfection, is recognized to pose a great danger to the life andhealth of the public through its nationwide, rapid spread.)
COVID-19 (refers to an infectious disease whose pathogenic
agent is a coronavirus that has a new ability for transmission
from person to person, and, since a major part of the generalpublic lacks immunity to this infection, is recognized to posea great danger to the life and health of the public through its
nationwide, rapid spread.)
Re-emerging COVID 19 (refers to an infectious disease witha coronavirus that in the past attained prevalence on a global
scale but, after the passage of a long period of inactivity,
has been determined by the Ministry of Health, Labour andWelfare to have re-emerged, and, since a major part of thegeneral public lacks immunity to this infection, is recognized topose a great danger to the life and health of the public throughits nationwide, rapid spread.)

8 “Designated Infection” in this act refers to a known infectious
disease (excluding a Class 1 infection, a Class 2 infection, aClass 3 infection and new strains of influenza infection), and isdetermined by government ordinance to pose a grave threat to thelife and health of the public by transmission, if the provisions as awhole or in part from Chapters 3 through 7 are not applied.
9 “New infection” in this act refers to a disease that is recognized
to be transmissible from person to person, and whose condition
and result of treatment is markedly different from those of known
infectious diseases, causes a serious condition, and is deemed
to pose a grave threat to the life and health of the public bytransmission.


－ 4 －

Abbreviated (From Sections 10 to 24)

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3. Types of claims and amounts(1) Death benefits(Cases of loss of life within 180 days after an accident, including the day of the accident)
Scope of Compensation

Benefits

During regular curriculum / school events

20 million yen“While in school facilities outside of regular curricular activities or school events”“While participating in extracurricular (club) activities”“While commuting or in transit between facilities for those enrolled in additional coverage”

10 million yen(2) Physical disability benefits(＊1)(Cases of the development of physical disability within 180 days after an accident, including the day of the accident)
Scope of Compensation

Benefits

During regular curriculum / school events

According to extent
1,200,000 yen – 30 million yen“While in school facilities outside of regular curricular activities or school events”“While participating in extracurricular (club) activities”“While commuting or in transit between facilities for those enrolled inadditional coverage”

According to extent
600,000 yen – 15 million yen(＊1)
In cases where both
death benefits andresidual disability
benefits are paid, only
the death benefits will
be paid.

(3) Medical benefits (Cases of receiving treatment from a doctor) and additional hospitalization benefits
Type of activity in which accident occurred

Number oftreatment days(＊2)

Medical benefits(Not covered)

1 ～ 3 days

3,000 yen

4 ～ 6 days

6,000 yen

7 ～ 13 days

15,000 yen

14 ～ 29 days

30,000 yen

30 ～ 59 days

50,000 yen

60 ～ 89 days

80,000 yen

90 ～ 119 days

110,000 yen

120 ～ 149 days

140,000 yen

150 ～ 179 days

170,000 yen

180 ～ 269 days

200,000 yen

270 days or more

300,000 yen(Not covered)（

Covered fromthe first day oftreatment.

During regularcurriculum / school
events

（
）

）
（

）

Covered in thecase of treatment
for 4 days or more.

Covered in the caseof treatment for 14
days or more.

When inside theschool facilities
excluding the time
participating in
extracurricular (club)
activities, during thecommute to school ortransit between school
facilities when theinsured has additional
coverage.

When participating in
extracurricular (club)
activities in or outside
the school facilities

Additional
hospitalization benefits(up to 180 days)＋●（

Hospitalization

Per day
hospitalized
4,000 yen
Additional
hospitalization
benefits are coveredfrom the first dayof hospitalization
regardless of thecategory of activity.

）(＊2)
Refers to the actual number of days of hospitalization or outpatient treatment. It is the actual number of days of treatment from when the
injury was sustained until the last day of treatment recognized by a physician as being necessary. Please note that not all days during the period oftreatment shall be covered.

Notes(1) The benefits shown on the left shall be paid regardless of benefits from any other life insurance, health insurance, liability insurance, orcompensation from the faulted party of an accident.
(2) Benefits payable under this insurance are limited to the amounts shown on the left and cannot be enrolled in twofold.
(3) The day of treatment is counted as one day even if the insured goes to multiple hospitals in the same day. Please note that days of treatment are
not counted as two days even if the insured visits two hospitals in a single day.

(4) Contact infection prevention benefits(＊3)
Scope of Compensation

Benefits

During clinical training

15,000 yen per one accident (fixed payment)－ 5 －(＊3) Paid in the event that measures to prevent infectious
diseases were received for unexpected contact with
infectious pathogens within facilities used for the purpose ofclinical training provided that measures to prevent infectious
diseases are received within 180 days after the event(including the day of the event).

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4. Examples of activities covered under this insurance(1) During educational and research activities① During regular curricular activities
・Both eyes suffered burn injury due to sudden
explosion when mixing substances in a flask duringexperiment.
・Accidentally cut the left index finger when slicing vegetables
with a knife during cooking class.
・Required hospitalization and treatment for heatstroke resulting
from working under the hot sun during internship at a preschool.
② During school events
・Got bruised by falling down when going down thestairs at a graduation ceremony
・Got food poisoning when having a meal in a
training center accommodation
・Got bruised by getting hit in the left eye by a ball when working
as a baseball referee③ When on school premises during times other than ①, ②, or ④.
・Fractured a leg by falling down the stairs inside
the school.
・Fractured the big toe on the left foot after
attempting to jump over desks inside a classroom
at the school and failing to land properly.

(2) During the commute to school and in transit between
school facilities, etc.
① During the commute to school
・Bruised both knees and the chest after collision
with a car coming out of a car park while
commuting to school by bicycle.
・Contusion caused by blow to the head afterslipping and falling while commuting to schoolon foot over frozen ground.
・Contusion of the right shoulder and right foot due to collision
with another motorcycle coming from the right while commuting
to school on a motorcycle.
② In transit between school facilities, etc.
・Contusion to and cuts on the right arm and bothlegs after falling from a motorbike as a result of
avoiding collision with a car while going fromthe school to a club activity venue.

(3) Measures to prevent infectious disease from contact
infection during clinical training④ During extracurricular (club) activities
・Fell down and broke a bone on a slope, while
participating in skiing club activities.
・Suffered from subluxation on the left acromioclavicular
joint after being tackled by an opponent during an
official rugby match away from the school.

・Contact with a used needle in the middle finger ofthe left hand during surgical operation in a regularcurricular activity, leading to examination by adoctor for infection prevention.

5. Main cases not covered under benefits
Injuries resulting from the following circumstances:
Intentional acts or gross negligence on the part of the policyholder, insured (those who may receive compensation) or beneficiary; suicidal,
criminal or hostile behavior by the insured, accidents occurring while driving an automobile without a license, intoxicated or under othercircumstances hindering normal driving such as being under the influence of drugs; medical treatment for brain disease, illness, insanity,
pregnancy, childbirth, premature delivery, miscarriage, surgery, etc. (excluding treatment for injuries that are covered); earthquakes,
volcanic eruptions or resultant tsunamis (excluding the time period that the insured is engaged in observing these natural phenomena);
war, insurrection or riots; accidents resulting from the harmful properties of nuclear fuel material (excluding the time period that the insured
is engaged in research or experimental activities conducted with nuclear fuel material, objects contaminated by nuclear fuel material or
equipment that uses it); radiation exposure or radioactive contamination (excluding the time period that the insured is engaged in researchor experimental activities using equipment that generates radiation or radioactivity); whiplash, backaches, etc. with no other medical
findings; accidents occurring while mountain climbing (using mountain climbing tools like ice axes), luging, bobsledding, skydiving, hanggliding or engaging in other dangerous extracurricular activities off school grounds; competitions, test drives and free runs at stadiums using
automobiles or other vehicles performed as extracurricular activities off school grounds; execution of the insured's penal sentence(＊1); etc.
Accidents not meeting the condition of “sudden and unexpected” such as acute alcoholism from drinking or injuries made worse by thepassing of time.

(＊1) See Chart 2 on p. 11 for details. If any of the above occur duirng regular curriculum or school events or on school grounds, ht ey will be covered.

6. Procedures for changes of contract (Changes from day or evening classes, etc., withdrawal, absence from school)(1) If you have signed up for a period exceeding two years, please inform the relevant section of your school (students section,
student support section, health center, etc.) in the following situations:① Changing from day, evening or correspondence classes.
a. Changing from evening to daytime classes
Payment will be requested for premiums corresponding to unearned years.
b. Changing from daytime to evening classes
Premium payments corresponding to unearned years will be partially refunded.(＊1)
However, if the daytime section, nighttime section or correspondence section classification changes during the academic year, thedifference in insurance premiums for that academic year will not be returned or claimed.
② Withdrawing from school (including removal from the register and death)
The unexpired premiums for the academic year shall be refunded according to the regulation in ① b.(＊1)
However, the amount difference in premiums for the academic year for withdrawal from school midyear shall not be refunded.
③ Absence from school for 1 year or more in total during the period of insurance
Premiums for years of absence shall be refunded after the period of absence from school, according to the period of absence.(＊1)④ Changing your faculty or major, etc.
(2) If the length of the course of study is extended for reasons such as absence or repeated years, it will be necessary to follow
procedures to extend coverage when the period of insurance ends. Please apply with the prescribed share of premium(＊2) to yourschool.
(＊1) Transfer fees related to the refunding of insurance premiums are the responsibility of the insured.
(＊2) Payment method of premium varies depending on school. For more details, please contact the relevant section of your school (students section, student support
section, health center).

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II. Procedures in the event of an accident
or insurance claims made via SkettBook (the official Gakkensai app), please〈Flow from an accident to the payment of claims〉 (Note) Freferto the app version of the Handbook for Enrollment of Gakkensai.

① Accident occurs,
contact and report〈During a required subject etc.:〉〈While commuting to school etc.〉
Injury② Receive insurance money
claim documents fromyour school③ Prepare and send theinsurance money claim
documents(＊1)

Certification of an Accident
while Commuting

No stamp
required
FAX

Accident notification
postcard

Mobile phone (＊3)

Send to the Tokio
Marine & Nichido
School Insurance
SectionPC

PC④ Attach a medical certificate from a doctor

You will not need a medical certificate if the amount of yourinsurance money claim is 300,000 yen or less and you haveno residual disability. (You can use a receipt etc. instead.)

Accident notification
postcard

FAX

You will need
proof fromyour school

Proof of your insurance and the accident, etc.
You will need proof etc. from your school(＊3)
Accident notification system(mobile version) QR code

Mobile phone (＊3)

In addition to treatment from a doctor in a hospitalor clinic, solely in the case of a dislocation, fracture,
contusion or sprain, an osteopath or judo therapist,
specifically, will be regarded as equivalent to a doctor.

Hospitaletc.

⑤ Prepare and post the insurance money claim documents
1. Proof of insurance subscription andaccident etc. (required documents)(＊1)
The method of preparing
and sending the accident
notification documents differs
by school. Therefore, pleasecheck with your school inadvance.

2. Insurance money claim

Please attach and submit the following documents showing thecontents of your hospital admission/visitation in addition to filling in
the insurance money claim documents 1 to 4 (duplication part).
・If the amount of your insurance money claim is 300,000 yen or less:
Attach the “Treatment Situation Report” and “Receipt”(＊2) in the“Insurance Money Claim Form Set.”
・If the amount of your insurance payout claim exceeds 300,000 yen:
Attach the “medical certificate” in the “Insurance Money Claim Form Set.”
However, submit the “Treatment Situation Report” and “Receipt”(＊2) if you were
examined in another medical institution in addition to the medical institution forwhich you have submitted the medical certificate or if the number of days ofyour hospital attendance/visitation are not stated on the medical certificate.

(Note) You will also need a Certificationof an Accident while Commuting
if you are claiming an accident (Note) You do not need to attach a receipt when you submit a “Medical Certificate.”
while commuting.

Complete recovery(You may also claim
partial payment in
the case of longterm
treatment.)

After completing the
documents, send
them by post to the
School Insurance
Section of Tokio
Marine & Nichido.
Your school willr e t ain t h e “[1]School Copy.”

Top page of the accident（notification）
system(＊2)
This should state your hospital
admission/visitation period.
If it does not, attach a copyof your patient registration
card or complete the name of
the medical institution on the“Treatment Situation Report.”⑥ Tokio Marine & Nichido pays you the insurance money

1. Accident report
In the case of an accident covered under this insurance, please report the time, place, circumstances, and extent of damages of the accident
within 30 days (including date of occurrence) to the relevant section (students section, student support section, health center, etc.) of yourschool. Subsequently, please notify the School Insurance Section of Tokio Marine & Nichido either using an accident notification postcard(available at your school), by fax, or alternatively, by PC/mobile phone via the Accident Report System.
(Note) Please note that insurance claims may not be paid if notice is not received within 30 days of the date of the accident.
(Note) The right to request claims is bound by the statute of limitations to three years.
In the following cases, in addition to reporting the accident via any of the aforementioned methods, please also complete thenecessary sections and submit the following documents to the School Insurance Section of Tokio Marine & Nichido.
・For accidents while commuting to school: Certification of an Accident while Commuting
・For accidents while in transit between school facilities:Certification of an Accident During Transit Between Facilities
・For accidents caused by contact infection: Certification of Examination Proving Contact Infection(Note) Accident notification postcards,Certification of an Accident while Commuting or Certification of an Accident During Transit Between
Facilities, and Certification of Examination Proving Contact Infection are available at your school.
(Note) Please address any accident notices and/or insurance claims to the School Insurance Section of Tokio Marine & Nichido.
(See p. 16 for the address for insurance claims)

2. Insurance claim procedures
The insured or representative(＊1) shall submit the following documents for insurance claims to the School Insurance Section of Tokio Marine &Nichido.
① Insurance claim documents (School verified documents and other proof)② Medical certificate from doctor
However, a medical certificate from a doctor is not necessary if the benefit claimant himself/herself fills out and submits the treatment status
report form with the receipt (which indicates the number of days for outpatient care; submit a copy of the patient registration card, etc. if there
is no receipt) attached, in cases where claims are under 300,000 yen (in cases where the total with other liabilities is under 300,000 yen) andno physical mpediment was suffered.
③ Other documents (see Article 25 of the Standard Provisions, Article 4 of Additional coverage for commuting accidents, and Article 3 of
Additional coverage for the prevention of contact infection)(＊1) In principle, if the insured is a minor, the guardian shall file for insurance claims. Moreover, in principle, death benefit claims shall be filed by the legal heir of thedeceased.

(Note) It is necessary to submit proof (details on receipt are okay) from the hospital for any days hospitalized.
(Note) Use the designated forms available at your school for the aforementioned documents in ① and ② .
(Note) In principle, claims shall be paid via bank transfers.

Important: After paying the insurance, the underwriting insurance company shall inform the General Insurance Association of Japan
about the payment and based on this, the Association shall send a report of payment of insurance benefit to the school.
Information on the payment of the insurance benefit related to the accident shall be shared by the underwriting insurancecompany, the school and the Association.

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III. Standard Provisions for Personal Accident Insurance
for Students Pursuing Education and Research
Chapter 1. Provisions for Defining Terms
Article 1 (Definition of terms)
The terms used in these provisions shall be defined by their respective
meanings in the chart below.
Term
Definition
Medically
Abnormal findings recognized by physical, neurological, clinical, or image
objective
examination.
symptoms
Extracurricular Cultural or athletic activities in accordance with the university, etc. rules
activityand regulations and under the supervision of a student group approved by
the university, etc.. However, this excludes any activity held in times andlocations prohibited by the university, etc., and during prohibited conduct.
School events All educational activities which include the entrance ceremony, orientation,and graduation ceremony, and other events hosted by the university, etc..
SchoolDuring periods when the insured is in school facilities owned, used or
facilities
managed by the university, etc. for educational activities. However, thisexcludes periods in the dormitory.
Risk
Susceptibility to injury.
Competition Competitions, contests, performances(＊1) or trial runs(＊2).
(＊1) Includes practice for the aforementioned.
(＊2) Driving or operation for the purpose of efficiency tests.
PhysicalA serious functional disability the insured is left with that cannot be treated
impediment from a medical perspective and cannot be recovered from in the future or
the loss of a part of the body.
Disclosure
Important items regarding risks the Company requests to be disclosed as
items
items to be filled in applications for insurance.(＊1)(＊1) Includes items regarding other insurance contracts, etc.
Automobiles Automobiles and motorized bicycles.
Death benefits The insured amount as stated in the insurance policy.
Surgery
Procedures performed for the excision of affected or necessary parts with ascalpel or other instruments for the direct purpose of medical treatment.
Passenger
Automobiles, motorboats(＊1), go karts, snowmobiles and the like.
rides(＊1) Includes personal watercraft.
DuringDuring participation in classes(＊1), including:regulara. Research for graduation thesis and dissertation under the supervisioncurricularof an educator. However, this excludes research conducted solely inactivities
locations involving private circumstances.
b. Research activities conducted in the university, etc. library, reference
room, language learning facility, or other locations in the preparation andclean up of lessons under the supervision of an educator.
(＊1) refers to lectures, experiments, seminars, and practical training
courses; the same meaning applies below.
University, etc. University or technical college the insured is enrolled in.
Other
Other insurance contracts or mutual aid contracts that share any coverage
concurrent
with this insurance contract.
insurance
contracts
Medical
Medical treatment performed by a doctor(＊1), after it is determined that there
treatment
is a need for it.
(＊1) In cases in which the insured is a medical doctor, this refers to a
medical doctor other than himself/herself.
Number of
Number of days the insured is hospitalized or receives outpatient care.
days forHowever, even in the case that the insured is not treated as an outpatient fortreatment
injuries, when a plaster cast, etc.(＊1) is affixed for an uninterrupted period due toa fracture, dislocation or ligament injury, etc. to a part of the body listed in Chart
1, the number of days required for that shall be considered outpatient care.
Nevertheless, this shall be limited to cases when verified by a doctor with itstated on the medical certificate that a plaster cast, etc.(＊1) has been affixed
due to a fracture, dislocation or ligament injury to a part of the body listed
in Chart 1 and when there is a description relating to the affixation of theplaster cast(＊1) in the medical treatment statement.
(＊1) Plaster casts, plaster slabs, plaster shells, splints/slabs/sprint fixations,external fixators, PTB casts, PTB braces(＊2), wire splints, etc. and halo vests(＊2) Limited to cases in which the period given by the doctor for theaffixation up to the bone adhesion for the item affixed after a lower leg
bone fracture is clearly stated on the medical certificate.
Outpatient
Treatment by a medical doctor at a hospital, clinic, or through a house call.
care
However, this does not include receiving medicine, a medical certificate, or
medical apparatus without treatment.
Hospitalization Admission to a hospital or clinic to receive concentrated medical attention
under the regular supervision of a medical doctor when it is difficult toreceive such treatment at home.
The insured The insured stated under this insurance policy.
Period of
The period of insurance stated under this insurance policy.
Insurance
Benefits
Death, disability, or medical benefits.

Chapter 2. Compensatory Provisions
Article 2 (Insurance claims covered)(1) The Company shall cover physical injuries the insured suffers in Japan oroverseas as a result of a sudden or unexpected accident of an external
origin(＊1) in accordance with these provisions.
①
②

③
④

During the participation of the regular curriculum or school events of theuniversity, etc.
① and when on school premises during times other than extracurricular
activities of which the university, etc. has been notified. However, this excludes
any activity held in times and locations prohibited by the university, etc., andduring prohibited conduct.
While on school premises during extracurricular activities of which the university,
etc. has been notified.
During extracurricular activities off school premises of which the university, etc.
has been notified.

(2) “Injuries” in (1) shall include the chart below:①②

Toxic symptoms(＊2) arising suddenly from the accidental inhalation, absorption
or intake of toxic gases or substances from external sources.
Physical impediment arising from sunstroke or heatstroke.

(＊1) Hereinafter as “accident.”(＊2) Excludes poisoning symptoms as a result of habitual inhalation,
absorption or intake.
Article 3 (Insurance claims not covered - 1)
(1) The Company shall not cover damages caused by any of the reasons in thechart below:
①
②
③
④

⑤
⑥
⑦

⑧
⑨
⑩
⑪

⑫
⑬

Willful acts or gross negligence of the policyholder or the insured
Bad faith or gross negligence on the part of the one to receive benefits.
However, unpaid benefits shall be limited only to the amount owed to thebeneficiary in the case he or she is meant to receive only a portion of the total;
Acts of conflict, suicide, or crime by the insured
Accidents caused by the insured during any of the following:a. While driving automobiles without a legal license(＊1);
b. When driving under the influence of alcohol as stipulated in Section 1, Article
65 of the Road Traffic Law;
c. While driving automobiles under the influence of narcotics, hemp, opium,
stimulants, dangerous drugs(＊2) or thinner(＊3)
Encephalopathy, diseases, or insanity of the insured
Pregnancy, childbirth, premature birth, or miscarriage of the insured
Medical treatment of the insured such as surgery. Medical treatment of
the insured such as surgery. However, the Company shall cover claims fortreatment of an injury that is payable by the Company when the injury is causedby surgery or other medical treatment.
Execution of execution of the insured’s penal sentence.
Wars, foreign military force, revolutions, coup d’états, insurrections, armed
rebellions, and other violent activities of similar nature(＊4);
Earthquakes, eruptions, or resulting tsunamis. However, periods the insured is
engaged in observational activities of these natural phenomenons shall be covered;
Accidents due to harmful substances such as radioactivity and explosiveness of
nuclear fuel materials(＊5) or its contaminants(＊6). However, periods when the insured
is engaged in research or experiments that use nuclear fuel materials, nuclear fuelcontaminates, or devices that utilize these substances shall be covered;
Accidents arising from causes in ⑨ through ⑪ or accidents that arise due to thedisorder accompanying the above;
Radiation or radioactive contamination other than from ⑪. However, periods theinsured is engaged in research or experiments that use devices that emit
radiation or radioactivity shall be covered;(2) The Company shall not cover any cases of objective symptoms with insufficient
medical support such as cervical syndrome(＊7) or lumbago, regardless of the cause.
(＊1) Legal license issued in the country being driven in.
(＊2) This refers to drugs stipulated in Article 2, Paragraph 15 of the Orderfor Enforcement of the Act on Securing Quality, Efficacy and Safety of
Products Including Pharmaceuticals and Medical Devices.
(＊3) This refers to those stipulated under government ordinances basedon the provisions in Article 3 (3) of the Poisonous and Deleterious
Substances Control Act(＊4) This refers to a state in which it is deemed that the peace has beensignificantly damaged nationwide or in part of a region and in which
there is a serious situation in maintaining security due to acts by crowdsof large groups of people.
(＊5) Includes spent fuel. Same for below.
(＊6) Includes nuclear fission products. Same for below.
(＊7) Also known as “whiplash.”
Article 4 (Insurance claims not covered - 2)
(1) The Company shall not cover damages caused by any of the reasons in thechart below:①②

During any activities of the insured as mentioned in attached Chart 2
While the insured is engaged in any of the following:a. During competitions that use passenger rides. However, excluding cases thatfall under c. below, damages shall be covered for accidents that occur during
competitions, etc. conducted on roads using automobiles, etc.
b. W
 hile using passenger transport in the same manner as competitions, etc. or inaccordance with conditions in places for the purpose of competition, etc. using
passenger transport. However, excluding cases that fall under c. below, damages
shall be covered for accidents that occur while using an automobile, etc. onroads in the same manner as competitions, etc. or in accordance with conditions.
c. While using an automobile, etc. in a competition, etc., or in the same manneras competitions, etc. or in accordance with conditions in circumstances inwhich the road has been appropriated, general traffic is restricted, and legal
permission has been granted.

(2) This does not apply to damages mentioned in ①, ②, or ③ of the chart in Article
2 (Insurance claims covered) (1).
Article 5 (Payment of death benefits)(1) The Company shall pay the beneficiary the amount which is calculated bymultiplying the death benefit by the applicable percentage in the following
table(＊1) in the event that the insured passes away within 180 days as a direct
result of injuries sustained in accidents covered under Article 2 (Insurance
claims covered), inclusive of the day of the accident.
①②

For cases that fall under ① of the chart in Article 2 (1): 100%
For cases that fall under ② , ③ , or ④ of the chart in Article 2 (1): 50%(2) The Company shall pay death benefits according to the legal inheritance when
there are 2 or more legal heirs in cases in which they become beneficiaries by theprovisions in (1) or (2) of Article 30 (Changes to the beneficiary for death benefits).
(3) The Company shall pay death benefits divided equally by the number ofbeneficiaries in cases in which there are 2 or more as prescribed in Article 30(8).
(＊1) In the event that a physical disability benefit has already been paid inaccordance with Article 6 (Payment of physical disability benefits), theamount shall be the balance after deducting what has already been paid
from the death benefit multiplied by the applicable percentage in thechart under (1).

－ 8 －20240116_10412445_04.indd

Article 6 (Payment of physical disability benefits)(1) The Company shall pay physical disability benefits to the insured according
to the amounts based on the following formula in the event that the insured
suffers a disability within 180 days as a direct result of injuries sustained in
accidents covered under Article 2 (Insurance claims covered). However, if theinsured passes away within 180 days from the accident, inclusive of the dateof the accident, from injuries sustained, physical disability benefits shall not be
paid for any resulting physical disabilities.
Deathbenefits

Percentage shownin chart of Article 5× (Payment of death
benefits) (1)Percentage of insurance
benefit payment for each class× of physical disability listed in
the attached Chart 3

Physical＝ disability
benefits(2) The Company shall pay physical disability benefits as calculated in (1) for
cases that require over 180 days, inclusive of the date of the accident, fortreatment of the insured after verification of the severity of physical disability
through a medical examination by a doctor other than the insured on day 181,
regardless of provision in (1).
(3) Even if a physical disability does not fall under any of the classes of physicaldisability listed in Chart 3, that which is determined to be equivalent to a classof physical disability shall, depending on the severity of physical disability, beconsidered as falling under that class of physical disability.
(4) In the event two or more kinds of physical disabilities arise from the same
accident, the Company shall pay a physical disability benefit equal to theamount of death benefit multiplied by the percentage listed in Article 5 (1)multiplied by the insurance benefit payment percentage listed in the chart below.
①

②

③

④

In cases in which there are two or more physical disabilities that fall under thoselisted from classes 1 to 5 of Chart 3, the insurance benefit payment percentage
for a class which is 3 classes above the class corresponding to the most serious
disability among those multiple disabilities shall be applied.
In cases other than ①, if there are two or more physical disabilities that fall underthose listed from classes 1 to 8 of Chart 3, the insurance benefit payment
percentage for a class which is 2 classes above the class corresponding to themost serious disability among those multiple disabilities shall be applied.
In cases other than ① and ②, if there are two or more physical disabilities thatfall under those listed from classes 1 to 13 of Chart 3, the insurance benefit
payment percentage for a class which is 1 class above the class corresponding
to the most serious disability among those multiple disabilities shall be applied.
However, if the total percentage of individual insurance benefit payment
percentages for each physical disability does not add up to the above insurance
benefit payment percentage, that total percentage shall be the insurance benefit
payment percentage.
In cases other than ① to ③, the insurance benefit payment percentage for aclass corresponding to the most serious disability among those multiple
disabilities shall be applied.

(5) If an insured who has a preexisting disability sustains an injury that falls under
Article 2 and as a result aggravates the severity of his/her physical disability
in the same part of the body, a physical disability benefit shall be paid in theamount computed as the death benefit multiplied by the percentage listed in
the chart under Article 5 (1) multiplied by the following percentage:
Insurance benefit payment percentage
for the class corresponding to thephysical disability after aggravation
as listed in Chart 3

Insurance benefit payment
percentage for the class－ corresponding to thepreexisting physical disability＝ Percentage
Applicable

Article 7 (Payment of medical benefits)(1) In the event the insured sustains an injury falling under Article 2 (Insurance
claims covered) and receives medical treatment from a medical doctor otherthan himself/herself as a direct result of the injury, the Company shall pay the
insured medical treatment benefit as listed in the chart below depending on
the number of treatment days. However, cases that fall under ② of the chartin Article 2 (1) shall be limited to amounts stipulated in ② through ⑪ of thechart below. In addition, cases that fall under ③ or ④ of the chart in Article 2 (1)shall be limited to amounts stipulated in ④ through ⑪ of the chart below.
①
②
③
④
⑤
⑥
⑦
⑧
⑨
⑩
⑪

1 – 3 days of medical treatment: 3,000 yen
4 – 6 days of medical treatment: 6,000 yen
7 – 13 days of medical treatment: 15,000 yen
14 – 29 days of medical treatment: 30,000 yen
30 – 59 days of medical treatment: 50,000 yen
60 – 89 days of medical treatment: 80,000 yen
90 – 119 days of medical treatment: 110,000 yen
120 – 149 days of medical treatment: 140,000 yen
150 – 179 days of medical treatment: 170,000 yen
180 – 269 days of medical treatment: 200,000 yen
270 or more days of medical treatment: 300,000 yen

no such laws regarding medical provisions.
Article 8 (Presumption of death)
The insured shall be presumed dead from injuries under Article 2 (Insurance
claims covered) on the day the aircraft or watercraft boarded by the insured
went missing or became distressed after thirty (30) days have passed from thedate the aircraft or watercraft was boarded and the insured has not been found,including the day the aircraft or watercraft went missing or became distressed.
Article 9 (Influence of physical disabilities or illnesses)(1) The Company shall pay benefits as if there was no influence for aggravatedinjuries due to the influence of existing physical disabilities or illnesses wheninjuries were sustained under Article 2 (Insurance claims covered) or injuries
sustained, physical disabilities or illnesses independent of accidents caused
by injuries under the same article.
(2) Payment method in (1) shall be used in cases where injuries under Article 2
are aggravated because the insured was negligent of medical treatment or thepolicyholder or beneficiary did not allow treatment without legitimate reason.
Chapter 3. Basic Provisions
Article 10 (Commencement and termination of liability)(1) The Company’s liability for insurance shall commence from 0:00 a.m. ofthefirst date of the period of insurance and shall terminate at 12:00 p.m. on
the last date.
(2) Times shall be based on Japan Standard Time.
(3) The Company shall not pay insurance claims for injuries sustained in an
accident after the commencement of the period of insurance but prior to thereceipt of the corresponding premium, excluding cases deemed otherwise.
Article 11 (Duty of disclosure)
The policyholder or the insured must accurately inform the Company ofdisclosure items requested by the Company upon entering the insurance
contract.
Article 12 (Duty of notice regarding changes from daytime/evening classes
and absence or withdrawal from school)
The policyholder or the insured must without delay inform the Company of
any changes from daytime, evening, or correspondence classes or in the case of
absence or withdrawal from school.
Article 13 (Voiding of insurance contract)(1) Any facts proving insurance contracts were effected for the purpose of illegallyclaiming insurance or providing insurance to third parties will completely voidthe contracts.
(2) The insurance contract and relative clauses for the insured shall be considerednull and void if any facts that fall under the following cases apply:①②

Insurance contracts enrolled in by the insured or beneficiaries for the purpose ofillegally claiming insurance or providing insurance money to third parties.
Designation of beneficiaries for death benefits(＊1) without consent of the insured.

(＊1) Excludes cases where the legal heir is the beneficiary.
Article 14 (Expiration of insurance contract)
The insurance contract and relative clauses for the insured shall expire in theevent the insured passes away after entering the insurance contract.
Article 15 (Cancellation of insurance contracts)(1) The Company may completely void this insurance contract by sending noticein writing to the policyholder in cases where insurance contracts were enteredinto due to fraud or threat from the policyholder.
(2) The Company may void relative clauses of the insured in this insurance
contract by sending notice in writing to the policyholder in cases where
insurance contracts were entered into due to fraud or threat from the insured
or beneficiaries.
Article 16 (Cancellation of insurance contract by the policyholder)
The policyholder may cancel all or a portion of this insurance contract bysending notice in writing to the Company.
Article 17 (Significant reasons for cancellation)(1) The Company reserves the right to cancel this insurance contract through awritten notice addressed to the policyholder in the event the policyholder falls
under any of the following:
①
②
③
④
⑤

If determined to fall under the category of “antisocial forces” (＊1).
If determined to be offering financial contribution or providing conveniences toantisocial forces(＊1).
If determined to be making inappropriate use of antisocial forces(＊1).
In the case of a corporate entity, if it is determined that antisocial forces(＊1) havea dominant role in the management or have substantial participation in the
management of that corporate entity.
If a socially reprehensible relationship with antisocial forces(＊1) is determined.

(2) The Company reserves the right to cancel this insurance contract(＊2) through awritten notice addressed to the policyholder for any of the following reasons:(2) 4,000 yen per day will be paid to the insured, in addition to the amounts
stipulated from ① through ⑪ in the above chart, as medical benefits fora period of up to 180 days in total in the event that the days for treatment
as mentioned in medical claims in this paragraph include days of stay at a
hospital or clinic with instructions from a medical doctor other than the insured.
(3) The period in (2) shall include the days for measures taken when themeasures(＊1) are deemed as medical provisions based on the regulations
established by Article 11 of the laws regarding the transplant of organs
in cases where physical measures are taken after the doctor determines
the patient to have suffered “brain death” according to Item 4 of Article 6(Harvesting organs) of the same law.
(4) In cases where the insured sustains another injury eligible for the paymentof a medical claim in the period during which a medical claim is payable,
the provisions in (1) shall apply to claims by adding the days for treatmentof the respective injuries and any day with overlapping treatments shall beconsidered as one day.
(5) The Company shall not pay any overlapping amounts stipulated in (2) for
new injuries stipulated under Article 2 while the insured is hospitalized andreceiving treatment.
(＊1) Includes measures deemed as medical provisions should there beapplicable laws regarding medical provisions in cases in which there are①②

If the insured falls under any of ① to ③ or ⑤ in the chart under (1).
If the beneficiary that should receive the insurance benefit for an injury
sustained by the insured falls under any of ① to ⑤ in the chart under (1).

(3) Even if the cancellation based on provisions (1) and (2) is done after an injury(＊3) has occurred, regardless of the provision in Article 19 (Insurance contract
cancellation effects), the Company shall not pay insurance benefits(＊4) for
injuries that occurred from the time reasons ① to ⑤ in the chart under (1)or reasons ① or ② in the chart under (2) arose to the time of cancellation.
In this case, if the insurance benefit(＊4) has already been paid, the Company
reserves the right to demand return of that payment.
(＊1) Refers to a crime syndicate, member of a crime syndicate(＊5), associate
member of a crime syndicate, a company related to a crime syndicate,and other antisocial forces.
(＊2) Limited only to that part in which the insured is involved.
(＊3) This refers to the injury sustained by the insured in the event ofcancellation based on (2).
(＊4) Limited only to the amount of benefit which the beneficiary, who falls
under any of ① to ⑤ of the chart under (1), is entitled to receiving in theevent of cancellation based on ② of the chart under (2).
(＊5) Including someone who is within five years from the day of quitting his/her membership in a crime syndicate.

－ 9 －20240116_10412445_04.indd

Article 18 (Request for cancellation of insurance contract by the insured)(1) The insured may request to cancel the insurance contract(＊1) in cases when
the insured is not the policyholder for any cases that fall under the table below.
①
②
③
④
⑤
⑥
⑦

The insured did not consent to being insured under this contract(＊1);
The policyholder or the beneficiary incurs or attempts to incur damage for the
purpose of claiming insurance money from the Company under this insurance
contract;
The beneficiary commits or attempts fraud of insurance money under thisinsurance contract;
The policyholder or the beneficiary falls under any of ① to ⑤ in the chart under(1) in Article 17 (Significant reasons for cancellation)
Concern that the total amount of compensation with regard to the insured
is considerably excessive due to overlap with other concurrent insurance
contracts, which goes against the purpose of the insurance system.
The Company has lost confidence in the policyholder or the beneficiary due tograve reasons making it difficult to continue this insurance contract(＊1) for cases② through ⑤ or any other cases of the same extent with the insured.
There are considerable changes to the circumstances that were agreed upon
regarding the insured under this insurance contract (＊1) due to an end to thekinship between the policyholder and the insured, or other reasons.

(2) The policyholder must cancel this insurance contract(＊1) by sending notice tothe company when the insured requests cancellation as stipulated in (1) for
reasons ① through ⑦ in the table in (1).
(3) The Company may terminate this insurance contract(＊1) by sending notice inwriting to the insured for reasons in ① of the table in (1).
(4) The Company shall inform the policyholder in writing without delay in cases inwhich the insurance contract(＊1) is cancelled in accordance with provisions in (3).
(＊1) Restricted to relative clauses concerning the insured.
Article 19 (Insurance contract cancellation effects)
The cancellation of insurance contracts can only take effect on future matters.
Article 20 (Refund or request of premiums: Duty of notice regarding changes
in daytime/evening classes and absence or withdrawal from school)(1) The Company shall refund or request premiums based on the following
formula in cases where notice has been received for Article 12 (Duty of notice
regarding changes from daytime/evening classes and absence or withdrawal
from school).
① Applicable premiums shall be refunded or requested based on the amountcalculated from the following formula when there are changes in daytime,evening, or correspondence classes. However, the amount of differencein premiums for the academic year for changes in daytime, evening, orcorrespondence classes midyear shall not be refunded nor requested.

〔〔

Premiums
received－〕〕in the case that a portion of the insurance contract was invalidated orcancelled.
Article 23 (Refund of premiums: Cancellation of contracts)(1) The Company shall not refund premiums that have already been paid to theCompany in the event of cancellation of insurance contracts due to provisions
in Article 15 (Cancellation of insurance contracts) for the current academic
year in which the date of the cancellation occurs, but shall refund respective
premiums in full for any years beyond the current one.
(2) The Company shall not refund premiums in the event insurance contracts arecancelled for the insured due to the provision in Article 15 (2) for the current
academic year in which the date of the cancellation occurs, but shall refund
respective premiums of the insured in full for any years beyond the current one.
Article 24 (Accident report)(1) The policyholder, the insured, or the beneficiary must report the situation of theoccurred accident and extent of injuries to the Company within 30 days of theaccident, including the day of the accident, in the event of injuries sustainedby the insured under Article 2 (Insurance claims covered). They must also
comply when the Company requests a notice or explanation in writing, or thesubmission of medical certificates or post-mortem certificates in this case.
(2) The policyholder or beneficiary must notify the Company in writing of details
within 30 days of the day the insured boarded an aircraft or watercraft and it
went missing or became distressed, including the day the aircraft or watercraft
went missing or became distressed, in the event the insured boarded a craftthat went missing or became distressed.
(3) The Company shall deduct the amount of damages sustained in cases where
the policyholder or beneficiary violates the duties stipulated in (1) and (2)without legitimate reason, or held back or reported false details regarding
notices and explanations.
Article 25 (Insurance claim documents)(1) Insurance claim rights to the Company may be exercised separately according
to the times in the table below.
①②③(2) The insured or beneficiary must submit the insurance claim documents in thetable below in the event of an insurance claim.
① For the claim of death benefitsa.
b.

－ earned period in academic years
former applicable premiums for

new applicablepremiums for
current period of
insurance

new applicable－ premiums for period inacademic year passedc.

Premiums to
be refunded or＝ requested

d.
e.
f.

(when negative)② The amount calculated from the following formula when withdrawing fromschool shall be refunded. However, the amount of difference in premiums forthe academic year for withdrawal from school midyear shall not be refunded.
Premiums
received－

former applicablepremiums for earned
period in academic years＝g.

Premiums to berefunded or requested－

applicable premiums for theperiod of insurance minus period
of absence＝

Injury status report designated by the Company;
Accident certificate from a public organization (third parties in unavoidable
circumstances);
A seal registration certificate of the beneficiary (the legal heir of the insured in
the case a beneficiary has not been designated);
Death certificate or post-mortem certificate;
Copy of the insured’s family register;
Copy of the legal heir’s family register in cases where the beneficiary has notbeen designated;
Requisite documents required to confirm details as stipulated in Article 26(Payment period for benefits) (1) and other documents prescribed by theCompany issued in writing at the time of entering the contract as proof.

② For the claim of physical disability benefitsa.
b.

③ The amount calculated from the following formula for absence from schoolfor a year or more during the period of insurance shall be refunded. If
the last day of that period falls within the period of absence, the period isforfeited on a yearly basis.
Premiums
received

For death benefits, at the time of death of the insured.
For physical disability benefits, when the disability is suffered or within 180 days
after the accident, including the day of the accident, whichever comes first.
For medical benefits, when the hospitalization or outpatient care for injury
sustained by the insured under Article 2 (Insurance claims covered) is
terminated or when the number of days of treatment reaches 270 days or more,whichever is earlier.

c.
d.

Premiums
to berefundede.

(2) The Company shall refund or request the difference in calculated premiums
for unearned periods before and after any necessary adjustments in the eventthe policyholder makes a written request and receives approval for changes
to the terms and conditions of the insurance contract in addition to (1) above
after entering the contract.
(3) The Company shall cover injuries sustained in accidents that occur before
receiving additional premiums in cases where additional premiums are requested
as mentioned in (2) but have not been paid by the policyholder, in accordancewith the Standard Provisions of Insurance and Coverage as if the request for theapproval for changes in the terms and conditions had not been made.
Article 21 (Refund of premiums: Voiding of contracts)(1) The Company shall not refund premiums in the event insurance contracts
are completely voided due to the provision in Article 13 (Voiding of insurance
contract) for the current academic year in which the date of voiding occurs,
but shall refund premiums for any years beyond the current one.
(2) The Company shall not refund premiums in the event insurance contracts are
voided for the insured due to provision ① in the table in Article 13 (Voidingof insurance contract) (2) for the current academic year in which the date ofvoiding occurs, but shall refund respective premiums of the insured for any
years beyond the current one.
(3) The Company shall refund the total amount of respective premiums of theinsured in the event the insurance contract is voided for the insured due toprovision ② in the table in Article 13 (Voiding of insurance contract) (2).
Article 22 (Refund of premiums: Invalid or terminated contracts)(1) The Company shall not refund premiums in the event insurance contracts
become invalid for the academic year in which the date of the invalidation
occurs, but the premiums for any years beyond the current one shall be
refunded in full.
(2) The Company shall not refund premiums in the event insurance contracts are
terminated for the academic year in which the date of the termination occurs,
but the premiums for any years beyond the current one shall be refunded in full.
(3) The provisions in (1) and (2) shall apply for premiums concerning the insured

Injury status report designated by the Company;
Accident certificate from a public organization (third parties in unavoidable
circumstances);
A seal registration certificate of the insured;
Medical certificate by a doctor other than the insured verifying the extent ofphysical disabilities.
Requisite documents required to confirm details as stipulated in Article 26 (1)and other documents prescribed by the Company issued in writing at the time ofentering the contract as proof.

③ For the claim of medical benefits
a.
b.
c.
d.
e.
f.

Injury status report designated by the Company;
Accident certificate from a public organization (third parties in unavoidable
circumstances);
A seal registration certificate of the insured;
Medical certificate by a doctor other than the insured verifying the extent of
injuries;
Certificates documenting number of days hospitalized or days as an outpatientfrom a hospital or clinic;
Requisite documents required to confirm details as stipulated in Article 26 (1)and other documents prescribed by the Company issued in writing at the time ofentering the contract as proof.

(3) In the event that the insured cannot file a claim and when there is norepresentative to accept insurance payments, persons who can submit to theCompany documents stating any of the circumstances in the table below may
file an insurance claim as a proxy of the insured after receiving approval fromthe Company.
①②③

Spouse(＊1) who coinhabitated or shared a livelihood with the insured.
Relatives to the 3rd degree who coinhabitated or shared a livelihood with theinsured in cases in which a designated spouse in ① does not exist or thedesignated spouse cannot file a claim.
Spouse(＊1) other than in ① or relatives to the 3rd degree other than in ② incases in which the persons stipulated in ① and ② do not exist or cannot file aclaim.

(4) The Company shall not cover any redundant claims after paying for claims
from the representative of the insured stipulated in (3).
(5) The entrusted party must submit proof of trust and a seal registration certificateof the entrusted in addition to documents mentioned in (2) in cases in which athird party has been entrusted by the insured or beneficiary.

－ 10 －

20240116_10412445_04.indd(6) The Company may request the submission of other documents or proof notstated in (2) or (5), and may ask the policyholder, insured, or beneficiary forcooperation in an inspection conducted by the Company regarding the detailsof the accident or extent of injuries. In this event, the requested documents or
proof shall be submitted promptly, and they must cooperate with the Company
as needed.
(7) The Company shall deduct any amount of damages sustained in cases where
the policyholder, insured, or beneficiary violates the duties stipulated in (6)without legitimate reason, reported false details on documents stated in (2), (3),(5) and (6), or fabricates or alters those documents or proof.
(＊1) Restricted to the legal spouse.
Article 26 (Payment period of benefits)(1) The Company shall pay insurance claims after verifying the details in thetable below required for paying insurance claims within 30 days of the filecompletion date(＊1).
①
②

③
④

Cause and situation of accident, extent of any injuries, and details and facts
regarding the insured as items that need to be verified for insurance claims to
be covered;
The existence or non-existence of facts applicable to any of the reasonsprescribed in this insurance contract as reasons for not paying insurance
benefits, which are necessary to confirm whether any reasons exist for not
paying insurance claims.
Extent of injuries or the relationship between the accident, any treatment anddetails, and injuries as items that need to be verified for the calculation of
insurance claims;
Circumstances falling under the cases of termination, invalidation, voiding,or cancellation of this insurance contract that need to be verified for theeffectiveness of the contract;(2) In the event the special inquiries or inspections stated in the table below
are indispensible in order to verify details in (1) above, the Company shallpay insurance claims within the number of days(＊2) stated in the table below
calculated from the file completion date(＊1), regardless of the provision in (1).
In this event, the Company shall notify the insured or beneficiary of the items
that need verification and the estimated number of days required.
①

②
③
④
⑤

180 days for inquiries of investigations and inspection results conducted bypublic organizations such as the police, prosecutors, or firefighters(＊3) in ①
through ④ of the table in (1);90 days for inquiries into the judgment results from examinations by medical
institutions, investigative bodies, and expert organizations in order to verify thedetails in ① through ④ of the table in (1);120 days for inquiries into the judgment of medical diagnoses, examinations,and recognition of physical disabilities by professional organizations in order toverify the details in ③ of the table in (1);60 days for inspections to verify the details in ① through ④ of the table in (1) inregions struck by disaster as applicable under the Disaster Relief Act;180 days for inspections away from Japan in the event that no alternative
method to verify the details in ① through ④ of the table in (1) in Japan.

(3) Delays for verification shall not be included in the number of days stated in (1)nor (2) in the case that the policyholder, insured, or beneficiary hindered theverification stated in (1) or (2) without legitimate reason, or did not comply withthese procedures(＊4).
(4) The payment of insurance claims under the provision of (1) or (2) shall bemade in Japan and in the Japanese currency except in cases where a special
agreement has been made in advance otherwise between the policyholder,the insured or the beneficiary of insurance claims and the Company.
(＊1) The date the insured completed procedures as stipulated in the
Article 25 (Filing insurance claims) (2), (3), and (5) by the insured or
beneficiary.
(＊2) If cases fall under multiple periods, the longest number of days.
(＊3) Includes inquiries according to the Attorneys Act and other ordinances.
(＊4) Includes when necessary cooperation is not provided.
Article 27 (Request for medical certificates created by doctor appointed by
the Company)(1) The Company may request the policyholder, the insured or the beneficiaryof insurance claims to submit a medical certificate or postmortem certificateof the insured prepared by a doctor of medicine appointed by the Company
to the extent necessary for verifying the extent of an injury or paying an
insurance claim in cases where notice is received under the provision of
Article 24 (Accident notice) or where a request is received under the provisionof Article 25 (Filing insurance claims).
(2) Necessary expenses incurred (＊2) in obtaining medical certificates or
postmortem certificates(＊1) shall be borne by the Company.
(＊1) Refers to the medical verification of death of the corpse.
(＊2) Does not include revenue loss.
Article 28 (Statute of limitations)
Insurance claim rights are terminated by the statute of limitations if 3 years
have passed starting from the day following the time stipulated in Article 25 (Filinginsurance claims) (1).
Article 29 (Subrogation)
The rights of the insured or beneficiary of the insurance claim to damages
against a third party for injuries sustained shall not be transferred to theCompany even after the Company pays for an insurance claim.
Article 30 (Changes to the beneficiary for death benefits)(1) The legal heir of the insured shall be the beneficiary of death benefits in cases
where the policyholder did not designate the beneficiary of death benefits
when entering the insurance contract.
(2) The policyholder may change the beneficiary of death benefits after entering
the insurance contract until the time the insured passes away.
(3) The policyholder shall inform the Company of the fact that a change was madefor the beneficiary of death benefits under the provision of (2) above.
(4) It shall be understood that the change of the beneficiary of death benefits hastaken effect at the time when the policyholder sends notice under the provisionof (3) above and is received by the Company. However, the Company shallnot pay any more death benefits even if claims for death benefits are madein cases where the Company has already paid, prior to receiving the notice,
death benefits to the beneficiary of death benefits named before the change

was made.
(5) The policyholder may change the beneficiary of death benefits by means of alegally valid will.
(6) In cases where a change is made of the beneficiary of death benefits, thechange shall not be effective against the Company unless the policyholder’slegal heir informs the Company of the fact after the will has taken effect.
Moreover, the Company shall not pay any more death benefits even if claims
for death benefits are made in cases where the Company has already paid,prior to receiving the notice, death benefits to the beneficiary of death benefits
named before the change was made.
(7) Any changes made to the appointment of the beneficiary for death benefits
other than the legal heir as stipulated in (2) and (5) shall not be effective
without consent from the insured.
(8) In cases where the beneficiary of death benefits dies before the insured, thelegal heir(＊1) of the beneficiary at the time of his or her death shall be thebeneficiary of death benefits for the insured.
(9) The policyholder may not designate or change persons other than the insured
to be the beneficiary of insurance claims other than for death benefits.
(＊1) In cases where legal heirs have passed away, the successive legal heir
shall be designated.
Article 31 (Multiple beneficiaries of death benefits)(1) The Company may ask for the appointment of one representative in cases
where there are two and more beneficiaries of death benefits under thisinsurance contract. In these cases, the appointed representative shall act as aproxy for the other beneficiaries.
(2) Any actions taken by the Company towards one of the beneficiaries shallbe regarded as equally applicable to all other beneficiaries in cases where
the representative mentioned in (1) above is not designated or his or her
whereabouts are unknown.
Article 32 (Impending lawsuits)
Lawsuits concerning this insurance contract shall be instituted in Japanesecourts.
Article 33 (Applicable laws)
Provisions not regulated in these insurance clauses shall conform to Japaneselaws and ordinances.
Chart 1: Parts That Have Considered to Be Treated with a Plaster Cast, etc.
1. Long bone(＊1) and spinal column
2. Three major joints(＊2) in the upper or lower limb that are directly connected to
the long bone(＊1)
3. Ribs and sternum(＊3)
4. Jaw bone or temporomandibular joint(＊4)(＊1) Long bone refers to the humerus, radius, ulna, femur, tibia and fibula.
(＊2) Three major joints refers to shoulder joints, elbow joints, hand joints, hipjoint, knee joint, and foot joint.
(＊3) Limited to when the trunk is fixed in place(＊4) Limited to when the upper/lower joints are integrally fixed in place with awire splint, etc.
Chart 2: Activities in the table in ① of (1) in Article 4 (Insurance claims not covered - 2)
Mountain climbing(＊1), luging, bobsledding, aircraft(＊2) operation(＊3), skydiving,hang gliding, ultralight-powered motor sports (＊4), gyroplanes, and other risk
involved activities.
(＊1) Activity that uses mountain pick axes, crampons, rope, hammers, andother mountain climbing tools.
(＊2) Excludes gliders and airships.
(＊3) Excludes cases when piloting as a profession.
(＊4) Excludes motor hang gliding, micro-/ultra-light machines, andultralightpowered parachutes(＊5).
(＊5) Refers to paraplanes, etc.
Chart 3: Classes of Physical Disability
Benefit
Payment
Percentage

Class

Physical Disability

Class 1

(1) Loss of sight in both eyes
(2) Loss of masticatory and speech functions(3) Marked impairment of functions of the nervous system and psyche,requiring regular nursing care(4) Marked impairment of functions of thoracoabdominal internal organs,requiring regular nursing care
(5) Loss of both upper limbs above the elbow joints(6) Total loss of function of both upper limbs(7) Loss of both lower limbs above the knee joints(8) Total loss of function of both lower limbs

150%

Class 2

(1) Loss of sight in 1 eye, while the corrected vision in the other eye (vision
shall be measured in accordance with international visual acuity
measurement standards; the same applies hereafter) is 0.02 or less.
(2) The corrected vision in both eyes is 0.02 or less.
(3) Marked impairment of functions of the nervous system and psyche,requiring nursing care as needed.
(4) Marked impairment of functions of thoracoabdominal internal organs,requiring nursing care as needed.
(5) Loss of both upper limbs above the hand joints.
(6) Loss of both lower limbs above the foot joints.

133.5%Class 3

(1) Loss of sight in 1 eye, while the corrected vision in the other eye is 0.06 or less.
(2) Loss of masticatory or speech function.
(3) Marked impairment of functions of the nervous system and psyche,
resulting in loss of the ability to engage in labor for the rest of one’s life.
(4) Marked impairment of functions of thoracoabdominal internal organs,
resulting in loss of the ability to engage in labor for the rest of one’s life.
(5) Loss of all fingers in both hands (loss of fingers refers to loss of thumbabove the interphalangeal joint and loss of the rest of fingers above theproximal interphalangeal joint; the same applies hereafter).

117%

Class 4

(1) The corrected vision in both eyes is 0.06 or less.
(2) Marked impairment of masticatory and speech functions.
(3) Total loss of hearing in both ears.
(4) Loss of 1 upper limb above the elbow joint.
(5) Loss of 1 lower limb above the knee joint.
(6) Impairment of function of all the fingers of both hands (impairmentof function of all fingers refers to loss of more than half of the
distal phalanges of the fingers, or marked motor impairment of themetacarpophalangeal joint or proximal interphalangeal joint, orinterphalangeal joint for the thumb; the same applies hereafter).
(7) Loss of both feet above the Lisfranc joint.

103.5%－ 11 －

20240116_10412445_04.indd

Benefit
Payment
Percentage

Class

Physical Disability

Class 5

(1) Loss of sight in 1 eye, while the corrected vision in the other eye is 0.1 or less.
(2) Marked impairment of functions of the nervous system and psyche,
resulting in loss of the ability to engage in labor other than particularly
simple and light work.
(3) Marked impairment of functions of thoracoabdominal internal organs,
resulting in loss of the ability to engage in labor other than particularly
simple and light work.
(4) Loss of 1 upper limb above the hand joint.
(5) Loss of 1 lower limb above the foot joint.
(6) Total impairment of function of 1 upper limb.
(7) Total impairment of function of 1 lower limb.
(8) Loss of all toes of both feet (loss of toes refers to loss of all toes; the same
applies hereafter).

88.5%

Class 6

(1) The corrected vision of both eyes is 0.1 or less.
(2) Marked impairment of masticatory or speech function.
(3) Impairment of hearing in both ears such that if one does not speak close to
the ears, the person cannot understand anything spoken in a loud voice.
(4) Complete loss of hearing in 1 ear, while the other ear is so impaired thatthe person cannot hear ordinary conversation 40 cm or more away.
(5) Marked deformation or motor impairment of the spinal column.
(6) Loss of function of 2 of 3 major joints of 1 upper limb.
(7) Loss of function of 2 of 3 major joints of 1 lower limb.
(8) Loss of 5 fingers or 4 fingers including thumb on 1 hand.

75%(1) Loss of sight in 1 eye, while the corrected vision in the other eye is 0.6 or less.
(2) Hearing is so impaired in both ears that the person cannot hear ordinary
conversation 40 cm or more away.
(3) Complete loss of hearing in 1 ear, while the other ear is so impaired thatthe person cannot hear ordinary conversation 1 m or more away.
(4) Impairment of functions of the nervous system and psyche, resulting inloss of the ability to engage in labor other than simple and light work.
(5) Impairment of functions of thoracoabdominal internal organs, resulting inloss of the ability to engage in labor other than simple and light work.
(6) Loss of 3 fingers including thumb, or 4 fingers excluding thumb, on 1 hand.
(7) Loss of function of all fingers, or 4 fingers including thumb, of 1 hand.
(8) Loss of 1 foot above the Lisfranc joint.
(9) Pseudoarthrosis on 1 upper limb, leaving marked motor impairment.
(10) Pseudoarthrosis on 1 lower limb, leaving marked motor impairment.
(11) Loss of function of all toes of both feet (loss of function of toes refers
to the loss of half or more of the distal phalange of the first toe, orloss of all the other toes above the distal interphalangeal joint, or
marked impairment in the metatarsophalangeal joint or the proximal
interphalangeal joint (interphalangeal joint for the first toe); the same
applies hereafter.)(12) Marked deformity in external appearance.
(13) Loss of both testicles.

63%(1) Loss of sight in 1 eye, while the corrected vision in the other eye is 0.02 or less.
(2) Motor impairment in the spinal column.
(3) Loss of 2 fingers including thumb, or loss of 3 fingers excluding thumb of
1 hand.
(4) Loss of function of 3 fingers including thumb, or 4 fingers excluding thumbof 1 hand.
(5) Shortening of 1 lower limb by 5 cm or more.
(6) Loss of function of 1 of 3 major joints of 1 upper limb.
(7) Loss of function of 1 of 3 major joints of 1 lower limb.
(8) Pseudoarthrosis on 1 upper limb.
(9) Pseudoarthrosis on 1 lower limb.
(10) Loss of all toes of 1 foot.

51%(1) The corrected vision of both eyes is 0.6 or less.
(2) The corrected vision of 1 eye is 0.06 or less.
(3) Half-blindness, tunnel vision or distorted vision in both eyes.
(4) Marked defect in both eyelids.
(5) Defect in the nose that leaves a marked impairment in its function.
(6) Impairment of masticatory and speech functions.
(7) Impairment of hearing in both ears such that the person cannot hearordinary conversation 1 m or more away.
(8) Impairment of hearing in 1 ear such that if one does not speak close to theears, the person cannot understand anything spoken in a loud voice, while
the other ear has difficulty hearing ordinary conversation 1 m or more away.
(9) Complete loss of hearing in 1 ear.
(10) Impairment of functions of the nervous system and psyche to the extent
that the kind of work the person can engage in is considerably limited.
(11) Impairment of functions of thoracoabdominal internal organs to the extent
that the kind of work the person can engage in is considerably limited.
(12) Loss of 1 thumb, or 2 fingers excluding the thumb, of 1 hand.
(13) Loss of function of 2 fingers including the thumb, or 3 fingers excluding
thumb, of 1 hand.
(14) Loss of at least 2 toes, including the first toe, of 1 foot.
(15) Loss of function of all the toes of 1 foot.
(16) Considerable deformity in external appearance.
(17) Marked impairment of the genitalia.

39%

Class 10 (1) The corrected vision of 1 eye is 0.1 or less.
(2) Double vision in direct light viewing angle.
(3) Impairment of masticatory or speech function.
(4) Dental prosthesis in 14 or more teeth.
(5) Impairment of hearing in both ears such that the person has difficulty
hearing ordinary conversation 1 m or more away.
(6) Impairment of hearing in 1 ear such that if one does not speak close to
the ears, the person cannot understand anything spoken in a loud voice.
(7) Loss of function of the thumb or 2 fingers other than the thumb of 1 hand.
(8) Shortening of the lower limb by 3 cm or more.
(9) Loss of the first toe or the rest of the 4 toes of 1 foot.
(10) Marked impairment of 1 of 3 major joints of 1 upper limb.
(11) Marked impairment of 1 of 3 major joints of 1 lower limb.

30%

Class 11 (1) Marked impairment of regulatory or motor function of both eyeballs.
(2) Marked impairment of motor functions of both eyelids.
(3) Marked defect in 1 eyelid.
(4) Dental prosthesis in 10 or more teeth.
(5) Deterioration of hearing in both ears such that the person cannot
understand conversation in a low voice 1 m or more away.
(6) Impairment in the hearing of 1 ear such that the person cannot understandconversation in an ordinary voice 40 cm or more away.
(7) Deformation of spinal column.
(8) Loss of index finger, middle finger or ring finger of 1 hand.
(9) Loss of function of 2 toes, including the first toe, of 1 foot.
(10) Impairment of the functions of thoracoabdominal internal organs suchthat there is considerable hindrance to performing work.

22.5%

Class 9Class 12 (1) Marked impairment of regulatory or motor function of 1 eyeball.
(2) Marked impairment of motor function of 1 eyelid.
(3) Dental prosthesis in 7 or more teeth.
(4) Damage to most of the auricle of 1 ear.
(5) Marked deformation of the clavicle, sternum, ribs, scapula and pelvic bone.
(6) Impairment of function of 1 of 3 major joints of 1 upper limb.
(7) Impairment of function of 1 of 3 major joints of 1 lower limb.
(8) Deformation of long bone.
(9) Loss of 1 little finger of 1 hand.
(10) Loss of function of index finger, middle finger, or ring finger of 1 hand.
(11) Loss of the second toe, 2 toes including the second toe, or the last 3 toesof 1 foot.
(12) Loss of function of the first toe, or the other 4 toes, of 1 foot.
(13) Inveterate neurological symptom in a localized area.
(14) Deformity in external appearance.

15%

Class 13 (1) The corrected vision in 1 eye is 0.6 or less.
(2) Half-blindness, tunnel vision or distorted vision in 1 eye.
(3) Double vision in viewing angles other than direct light.
(4) Defect in part of both eyelids, or balding of eyelashes.
(5) Dental prosthesis in 5 or more teeth.
(6) Impairment of functions of thoracoabdominal internal organs.
(7) Loss of function of little finger of 1 hand.
(8) Partial loss of phalange of thumb of 1 hand.
(9) Shortening of 1 lower limb by 3 cm or more.
(10) Loss of 1 or 2 of the last 3 toes of 1 foot.
(11) Loss of function of the second toe, 2 toes including the second toe, or thelast 3 toes of 1 foot.

10.5%Class 14 (1) Defect in part of 1 eyelid, or balding of eyelashes.
(2) Dental prosthesis in 3 or more teeth.
(3) Deterioration of hearing in 1 ear such that the person cannot understandconversation in a low voice 1 m or more away.
(4) Unsightly palm-sized scar on the exposed surface of 1 upper limb.
(5) Unsightly palm-sized scar on the exposed surface of 1 lower limb.
(6) Partial loss of phalange of 1 finger other than thumb of 1 hand.
(7) The distal interphalangeal joint of 1 finger other than the thumb of 1 handcannot be stretched.
(8) Loss of function of 1 or 2 toes of the last 3 toes of 1 foot.
(9) Neurological symptom in a localized area.

6%

Note 1: The stipulation “above” in regard to injuries of the upper limb, lower limb,
fingers and toes refers to the part of the body closer to the heart from thejoint thereof.
Note 2: E xplanatory drawing of the joint and others
Hand

Sternum

3 major joints of
the upper limb

Class 8Benefit
Payment
Percentage

Physical Disability

3 major joints of
the lower limb

Class 7

Class

Shoulder
joint
Elbow
joint

Clavicle
ScapulaRib

Hip joint
Knee joint

Long
bone
Pelvicbone

Distal phalange
Thumb
Distal phalange
Interphalangeal joint

SpinalcolumnHand
joint

Index finger

Middle finger
Ring finger
Little finger
Distal interphalangeal
joint
Proximalinterphalangeal joint

Metacarpophalangeal joint

Metacarpophalangeal
joint

Foot

Third toe

Second toeFirst toe
Distal phalange

Interphalangeal joint
Lisfranc joint

Distal interphalangeal
joint
Proximalinterphalangeal joint
Metatarsophalangeal
jointFoot joint(Note) Accidents that occur while commuting to school or when in transit
between school facilities shall only be covered if the insured isenrolled in PAS with the additional coverage for commuting accidents.

IV. Additional coverage for commuting accidents
Article 1 (Insurance claims covered)(1) The Company shall cover(＊4) injuries sustained by the insured from accidents
that occur while commuting to and from university classes, school events,and extracurricular activities between the insured’s residence(＊3) and school
facilities or while in transit between school facilities by reasonable route(s) andmethods (＊2) under this coverage(＊1).
(2) The periods while or after deviating from the path or interrupting the commute/transit shall not be included as “commuting to and from” or “in transit” stated in(1) However, deviating or stopping during the commute on reasonable routes
will be included as “commuting to and from” or “in transit” stated in (1) if forpurchasing materials necessary for class, school events or extracurricular(club) activities, or during the minimum time necessary for acts consideredunavoidable in everyday life.
(＊1) Standard Provisions for Personal Accident Insurance for Students
Pursuing Education and Research. Same for below in this coverage.
(＊2) Excludes methods prohibited by the university.
(＊3) This includes the place of employment for those who enter theuniversity/college after passing the entrance exam for adults.
(＊4) Refers to death, disability, and medical benefits. Same for below in thiscoverage.
Article 2 (Definition of terms)
The terms used in this coverage shall be defined by their respective meanings
in the table below.
①②－ 12 －

Term
Classes

Schoolfacilities

Definition
Classes; including the following:a. R esearch for a graduation thesis or dissertation under thesupervision of an educator. However, this excludes research
conducted solely in locations involving private circumstances.
b. Research conducted in the university/college library, reference
room, language learning facility, or other locations in the
preparation and clean up of lessons under the supervision of an
educator.
Facilities owned, used or managed by schools for educational andresearch purposes, including locations used for conducting classes,
school events or extracurricular activities.

20240116_10412445_04.indd

③

④

Term
Definition
Necessary This shall include the following:
everyday a. P urchasing everyday items or similar activity.
activities b. V oting in an election or similar activity.
c. Visiting a hospital or clinic for a medical check up or treatment orsimilar activity.
Entrance The entrance exam for working members of society who are admitted
exam for under different methods than general applicants for admission, such
adultsas by the special selection exam for adults.

Article 3 (Payment of claims)
The Company shall pay the calculated amount based on Article 5 (Deathbenefits), Article 6 (Physical disability benefits), or Article 7 (Medical benefits)
in the event the insured sustains a physical injury as mentioned in Article 1(Insurance claims covered) of the coverage clauses and is entitled to a claim,
and falls under ② in the table in Article 2 (Insurance claims covered) (1) of theStandard Provisions.
Article 4 (Filing an insurance claim)
The insured or beneficiary must submit proof of accident from the university
as well as the following documents besides documents stipulated in Article 25(Insurance claim form) (2) of the Standard Provisions in the event of filing aclaim under Article 1 (Insurance claims covered).
Article 5 (Applicable provisions)
The Standard Provisions that do not go against this coverage shall be applied
for items not regulated in this coverage.
(Note) M easures received to prevent infectious diseases for infections
through contact shall only be covered if the insured is enrolled in PAS
with the additional coverage for the prevention of contact infection.

②

③
④

①
②
③
④
⑤

⑥
⑦

(＊1) Standard Provisions for Personal Accident Insurance for Students
Pursuing Education and Research. Same for below in this coverage.
(＊2) Accidents caused by injuries in Article 2 of Standard Provisions. Samefor below in this coverage.
Article 2 (Definition of terms)
The terms used in this coverage shall be defined by their respective meanings
in the table below.
①②③

Clinicaltraining
Measuresto prevent
infectious
diseaseExamination or administration of drugs for the purpose of
preventing the transmission of infectious pathogens or outbreakof an infectious disease.However, these actions are limited tothose cases governed by instruction and guidance from a medical
professional.

(＊1) Infectious disease as stated in Item 1 of Article 6 of the law regarding
Disease Prevention and Medical Care for the Patients. Same for below
in this coverage.
(＊2) Includes risk of contact.
(＊3) Hospitals or clinics, etc. Same for below in this coverage.
Article 3 (Filing an insurance claim)(1) Insurance claim rights may be exercised toward the Company after receiving
measures for preventing infectious diseases.
(2) The insured must submit the documents requested in (3) in the event theinsured files a claim for contact infection prevention benefits.
(3) Documents to be submitted to the Company shall follow the table below.
①
②
③
④
⑤
⑥
⑦
⑧

Insurance claim document designated by the Company;
Accident report designated by the Company;
Proof of accident from the hospital the accident occurred at;
Medical certificate from the doctor who implemented measures for preventing
infectious disease within 180 days of the accident, inclusive of the day of theaccident, as proof;
A seal registration certificate of the insured;Consent form from the Company requesting inquiry or explanation from thehospital or doctor concerning the measures taken on the insured for preventing
infectious diseases;
Proof of trust and a seal registration certificate of the entrusted in cases in whicha third party has been entrusted to file a claim for contact infection prevention
benefits.
Requisite documents required to confirm details as stipulated in the Article 26(Payment period of benefits)(1) of the Standard Provisions and other documents
prescribed by the Company issued in writing at the time of entering the contract
as proof.

Article 4 (Amendments for Standard Provisions)
The amendments in the following table shall apply to the Standard Provisionsof this coverage.
①

ClauseArticle 24(Accident report)(1)

Before Amendment
After Amendment
situation of thesituation of the occurred accident
occurred accident and and details of measures forextent of injuries
preventing infectious disease
and time elapsed

extent of injuries or the relationship with the accident
relationship with theand measures for preventing
accident
infectious diseases
Article 28
Article 25
Article 3(Statute of limitations) (Filing an insurance(Filing an insurance claim)(1)claim)(1)
for this coverage

Article 1 (Independent responsibility)
This insurance contract is a coinsurance arrangement by insurancecompanies stated in the policy and the insurance companies stated in theinsurance policy bear rights and obligations under the insurance contract, notjointly but separately, in accordance with its underwriting share determined at thetime of acceptance.
Article 2 (Role of the leading insurance company)
The insurance company designated as the leading insurance company ofthis insurance contract at the time when the policyholders enter the insurance
contract, shall be in charge of the following matters:

15,000 yen

Definition
The insured’s unexpected direct or indirect contact (＊2) with
infectious(＊1) pathogens within a facility used for the purpose ofclinical training.
Training conducted at hospitals and other facilities(＊3).

After Amendment
existence of any measurestaken for preventing infectious
diseases

VI. Endorsement concerning coinsurance

Article 1 (Insurance claims covered)(1) The Company shall pay the insured contact infection prevention benefits according
to the table below in the event that the insured is infected within 180 days,
inclusive of the date of the accident, as a direct result of injuries sustained froman accident(＊2) in Article 2 (Insurance claims covered) of the Standard Provisions(＊1)
and receives contact infection prevention measures. However, contact infection
prevention benefits shall only be paid for injuries once per accident.

TermContact
infection

Before Amendment
existence of any
injuries

Article 5 (Applicable provisions)
The Standard Provisions that do not go against this coverage shall be applied
for items not regulated in this coverage.

V. Additional coverage for the prevention of contact infection

Contact Infection Prevention Benefits

Clause① in the tableof Article 26(Payment period forbenefits)(1)in the table of
Article 26⑧⑨⑩

Receive applications for insurance, and issue and deliver insurance policies;
Collect, receive, or return insurance premiums;
Approve changes in the details of the insurance contract or cancel the insurance
contract;
Receive documents regarding declarations or notices under the provisions of
the insurance contract and to approve such declarations or notices;
Receive documents regarding notice of the transfer of rights to a claim andapprove such transfer; or to receive documents regarding notice of effecting alien on the rights to the claim, transfer, or termination; and to approve such lien,transfer or termination;
Issue and deliver notice confirming the completion of a procedure for changes
in insurance contracts or make endorsements to insurance policies;
Investigate the objects of insurance and other matters related to insurance
contracts;
Receive documents notifying the occurrence of an accident or damage or
documents about filing for claims;
Investigate or survey damage, pay claims and preserve the rights of theinsurance companies stated in the insurance policy;
Attend to other matters incidental to the work or business mentioned in ①
through ⑨ above.

Article 3 (Effect of acts done by the leading insurance company)
Any items performed by the leading insurance company in Article 2 (Items
performed by the leading insurance company) of this contract shall be deemed
as representative for all insurance companies mentioned in the insurance policy.
Article 4 (Effect of acts done by the policyholders)
Notices and other acts performed by the policyholders, etc. to the leading
insurance company shall be deemed as representative for all insurancecompanies mentioned in the insurance policy.

VII. Coverage clauses of Personal Accident Insurance
for Students Pursuing Education and Research
Japan Educational Exchanges and Services (hereinafter as “JEES”), Aioi
Nissay Dowa Insurance Co., Ltd., Sompo Japan Nipponkoa Insurance Inc., Tokio
Marine & Nichido Fire Insurance Co., Ltd., and Mitsui Sumitomo Insurance Co.,
Ltd. (hereinafter as “the underwriting companies”) agree to the following clausesof the insurance contract (hereinafter as “insurance contract”) and, the Coverage
Clauses on Changes in Payment Requirements for Outpatient Treatment Insurance
Claims and Additional Coverage for Commuting Accidents (hereinafter “Commuting
Coverage”), Additional coverage for the prevention of contact infection (hereinafter
as “Contact infection coverage”). The underwriting companies shall conduct all
matters relating to this insurance contract including the conclusion of insurance
contracts, receipt of premiums and payment of claims based on this agreement,
by appointing Tokio Marine & Nichido Insurance Co., Ltd. as the representative
insurance company.
It is also understood and agreed that JEES and the underwriting companies
shall cooperate in the sound operation of business in line with the objectives of thisinsurance as a system for compensating university students for accidents during
their educational and research activities.
Chapter 1. Matters for the Acceptance of an Insurance Contract(Policyholder and the insured)
Article 1 The policyholder hereunder shall be JEES and the insured mentioned in
Article 1 of the Standard Provisions shall be students (meaning students enrolled
in university programs, studies at a junior college, graduate courses in graduate
schools, regular courses in technical colleges, or non-degree courses forgraduates and other courses, including exchange students, auditors, research
students, and nondegree students) enrolled in universities or technical colleges
who are supporting members of JEES and are established by the School
Education Law etc. (hereinafter referred to as “member universities”).
(Scope of accidents covered)
Article 2 Insurance claims shall be paid according to the Standard Provisions when
the insured sustains a physical injury as a result of a sudden or unexpected
accident of an external origin during “the scope of the regular curriculum, school
events, school facilities, or extracurricular activities” mentioned in Article 2 of theStandard Provisions. Insurance claims shall also be paid according to Article 1 ofCommuting coverage or Article 1 of Contact infection coverage in cases where
additional coverage has been added.

－ 13 －

20240116_10412445_04.indd

2. “During classes” mentioned in Article 1 (During the regular curriculum) of theStandard Provisions shall include the following periods:(1) While engaged in a curriculum at another university or junior college inaccordance with Article 28 of the Standards for Establishment of Universities
and Article 15 of Standards for Establishment of Graduate Schools, or while
engaged in a curriculum of another technical college in accordance with
Article 19 of the Standards for Establishment of Technical Colleges. Moreover,“another university or junior college” mentioned in this paragraph shall include
universities in foreign countries.
(2) During schooling for correspondence students(Insurance amounts and premiums)
Article 3 Death benefits for an insured individual of this insurance contract shall be 20
million yen or 12 million yen under Article 5 of the Standard Provisions.
2. Premiums per insured person hereunder shall be provided on separate sheet 1.
3. Insurance periods shall be rounded up to a year when calculating premiums
for liability periods less than a year.
4. Insurance periods for additional coverages shall be rounded up to a year whencalculating premiums for liability periods less than a year in cases of adding
commuting or contact infection coverages in the middle of the period of insurance.
(Additional charge, refund methods)
Article 4 Additional charges and refund of premiums shall be conducted as follows:(1) The underwriting companies shall refund premiums according to provisions
in Article 21 and Article 22 of the Standard Provisions in the event that all ora part of the insurance contract was voided, invalidated, or cancelled. Also,
refund of premiums shall be made according to Article 20 Item 1 No. 2 of theStandard Provisions in the event the insured withdraws from school.
(2) The underwriting companies shall charge or refund the difference in amounts
after subtracting the premiums for earned periods from applicable premiums(corresponding to the period of insurance of the insured) for changes in
daytime, evening, or correspondence classes.
(3) The underwriting companies shall refund the difference in amounts after
subtracting the premiums for the period of absence (periods less than a year
shall be rounded up to 1 year) from the period of liability in the event theinsured will be absent from school for a total of 1 year or more during theperiod of insurance.
Chapter 2. Matters of Liability(Period of liability)
Article 5 The period of liability shall be as follows, regardless of the provision in
Article 10 Item 1 of the Standard Provisions:(1) Students admitted in April
a. When an application for insurance together with the payment of thepremium is made to the member universities, etc. by the end of Marchfor new students admitted in April, the period of liability for the insured
will begin from 0:00 a.m. of April 1 and end at 12 p.m. on March 31 of the
expected graduating year.
b. The period of liability shall begin from 0:00 a.m. of the day subsequent tothe application with the payment of the premium to member universities,
etc. until 12 p.m., March 31 of the expected graduating year for periods
other than stated in the above.
(2) Students admitted in September
a. When an application for insurance together with the payment of the premium
is made by the end of August for new students admitted in September, theperiod of liability for the insured will begin from 0:00 a.m. of September 1
and end at 12 p.m. on August 31 of the expected graduating year.
b. The period of liability shall begin from 0:00 a.m. of the day subsequent tothe application with the payment of the premium to the member university
until 12 p.m. on August 31 of the expected graduating year for periods
other than stated above.
(3) Students admitted in Octobera. When an application for insurance together with the payment of the premium
is made by the end of September for new students admitted in October, theperiod of liability for the insured will begin from 0:00 a.m. of October 1 andend at 12 p.m. on September 30 of the expected graduating year.
b. The period of liability shall begin from 0:00 a.m. of the day subsequent tothe application with the payment of the premium to member universities
until 12 p.m., September 30 of the expected graduating year for periods
other than stated in the above.
(4) The insurance liability period for the year of new enrollment shall begin
from 0:00 of the determined “enrollment date” in cases in which a faculty
has decided on the “enrollment date” and “enrollment for all students” inuniversity departments, junior college departments, and graduate schools,
and the university bears the cost for premiums for all students. However, thecommencement of the liability period for insurance cannot be earlier than thedate of determination.
(5) In the case of the above provision, continued enrollment shall commence from0:00 a.m. on either April 1, September 1, or October 1.
(Underwriting shares of insurance)
Article 6 The shares of the underwriting companies in this insurance contract shallbe determined separately. It is agreed and understood that the underwriting
companies shall have rights and obligations, not jointly but separately, under thisinsurance contract.

students, of which one shall be retained by the member university, etc. andtwo copies shall be submitted to JEES. Upon receipt of the two copies, JEES
must send a copy thereof to the underwriting companies, while safekeeping theremaining copy.
2. JEES may forgo with the keeping of the enrolled students list and the sending
thereof to the underwriting companies in the case of “enrollment of all
students” provided for in (3) of Article 5, regardless of the preceding provision.
It is understood, however, that JEES must request the member universities,
etc. to prepare a list of enrolled students so that it may be made available atany time for review by the member universities, etc.
(Handling of changes)
Article 10 JEES shall request the member universities, etc. to provide written
notification with the submission of certification in any of the following cases:(1) The insured changes from day classes, evening classes, or correspondenceclasses, or withdraws from school;(2) The insured will be absent from school for 1 year or more in total during theperiod of liability;
2. The submission of certification mentioned in the above provision must be
made each time a change is made in the case of (1) above or without delay
after the period of absence ends in the case of (2) above.
3. JEES must inform the underwriting companies without delay when a notice isreceived from the member universities, etc. about any of the matters provided
for in the previous two items.
(Proof of accident)
Article 11 JEES shall request the member universities, etc. to do the following when
the insured files for a claim:(1) JEES shall request the member university concerned to confirm that theaccident arose “during regular curriculum or while participating in a school
event” and issue and send in the certification when an accident falls under
Article 2 Item 1 No. 1 of the Standard Provisions.
(2) JEES shall request the member university concerned to confirm that theaccident arose “while on school premises other than for the above provision”
and issue and send in the certification when an accident falls under Article 2
Item 1 No. 2 of the Standard Provisions.
(3) JEES shall, as the need arises, request the member university, etc. concerned
to issue certification to prove that the university has been notified in advanceof the activity carried out by the students’ group within the campus (meaninga group approved by the university under the prescribed procedure inaccordance with its rules and regulations), of which the insured is a member
when an accident falls under Article 2 Item 1 No. 3 of the Standard Provisions.
(4) When an accident falls under Article 1 Item 1 of the agreement, the following
shall apply in the event the insured has enrolled in commuting coverage.
a. JEES shall request the member university, etc. concerned to verify thetime and date of the accident, the location of the accident, the location forthe scheduled activity on the date of the accident, the scheduled detailsof the activity, the scheduled starting time of the activity and the ordinary
commuting route and method when the accident occurs on the way fromthe insured’s residence to school facilities. However, there is no needto verify the time and date of the accident, the location of accident, andordinary commuting route and method if the member university, etc. has nomeans to obtain this information.
b. JEES shall request the member university, etc. concerned to verify thetime and date of the accident, the location of the accident, the locationof the activity on the date of the accident, the details of the activity, theclosing time of the activity, the time of departure from school facilities, etc.
where the activity was carried out, and the ordinary commuting route andmethod when the accident occurred on the way from school facilities tothe insured’s residence. However, there is no need to verify the time anddate of the accident, the location of accident, the time of departure fromschool facilities, and ordinary commuting route and method if the member
university, etc. has no means to obtain this information.
c. JEES shall request the member university, etc. concerned to verify the timeand date of the accident, the location of the accident, the location of theactivity at the destination on the date of the accident, the scheduled startingtime of the activity, the time of departure from school premises, and theordinary commuting route and method when the accident occurred whilein transit between school facilities. However, there is no need to verify thetime and date of the accident, the location of accident, the time of departurefrom school premises, and ordinary commuting route and method if themember university, etc. has no means to obtain this information.
(5) JEES shall request the member university, etc. concerned to verify thatthe accident occurred during clinical training under Article 1 of the Contact
infection coverage when the insured is covered by the contact infection
coverage. However, there is no need to verify this if the member university,
etc. has no means to obtain this information.
(Notice of enrollment)
Article 12 JEES shall inform the underwriting companies of enrolled students’names for the previous 2 months by the end of each month.
2. In cases of delay or omission in the above procedure for reasons of bad faithor gross negligence on the part of JEES, the Company shall regard an amountcalculated by the following formula as an insurance claim payable for an injury
sustained for each insured student.

Chapter 3. Matters concerning the business administration, rights and obligationsof member universities, etc. and JEES and the underwriting companies(Responsibility of safekeeping corresponding premiums)
Article 7 JEES shall request the member universities, etc. to keep the amount ofcorresponding premiums received for the underwriting companies, separatelyfrom any other assets of the member universities.
(Corresponding premiums and report of books and records)
Article 8 The underwriting companies may request JEES to report on the money,
books and records it keeps when it is deemed necessary to do so under
this insurance contract. Also, JEES shall, upon request of the underwriting
companies, request the member universities, etc. to report to the underwriting
companies on the money, books and records kept by them.
(Preparation and keeping of enrolled list)
Article 9 JEES shall request the member companies to prepare 3 lists of enrolled

Each claim forinsured persons＝

The insurance
amount for one
insured person
under theinsurance policy×

The total premiums based on the notice
before delay or omission
The total premiums based on thenonexistence of such delay or omission.

3. JEES shall pay insurance premiums for the insured concerned even after thetermination of the period of insurance in cases of delay or omission in thenotice mentioned in the provision in 1 above. This provision shall, however,
not apply in cases insurance claims have already been paid in accordancewith thep receding provision.
4. The provision in Item 2 above shall not apply in cases where one month has
passed since the underwriting companies became aware of delay or omission
due to bad faith or gross negligence referred to in Item 2 or five years havepassed since the date when there was a delay or omission.

－ 14 －

20240116_10412445_04.indd(Receipt and remittance of the amount equivalent to the insurance premiums)
Article 13 JEES shall receive the full prescribed amount equivalent to the insurance
premiums from a student who wishes to join through a member university etc.
and must then remit that amount to underwriting companies by the end of thesecond month following the month in which the said student joins.
(Responsibility for safeguarding the amount equivalent to the insurance premiums)
Article 14 JEES shall safeguard the amount equivalent to the insurance premiums
received for underwriting companies separate from its other assets. JEES
shall bear liability to pay the insurance premiums to underwriting companies
even if they are stolen, lost or destroyed due to another incident while being
safeguarded by JEES and the member university etc.
(Administrative fee, etc.)
Article 15 Underwriting companies shall pay an administrative fee to the administrator
designated by JEES within the range of an amount equivalent to 7% of the amountequivalent to the insurance premiums received from the said administrator.
2. Underwriting companies shall not pay anything other than the administrative
fee stipulated in the preceding paragraph to the administrator designated by
JEES regardless of whether or not there are additional various administrative
expenses or other nominal matters. Moreover, underwriting companies shallnot bear responsibility of paying any expenses to the member university etc.
(Compensation for damages)
Article 16 If JEES or the member university etc. damages underwriting companies
by violating this insurance contract, underwriting companies may claim
compensation for those damages from JEES.
2. If underwriting companies damage JEES by violating this insurance contract,

JEES may claim compensation for those damages from underwriting companies.
(Discussions pertaining to the payment of insurance money)
Article 17 Discussions pertaining to the payment of insurance money In the eventa difference in opinions arises pertaining to the payment of insurance money
between underwriting companies and the insured party, JEES shall reconcile theopinions of both parties through discussions with those parties.
Chapter 4: Matters Pertaining to the Term of Validity of This Rider(Term of validity and cancellation of this rider)
Article 18 The term of validity of this rider shall be from April 1, 2020 to March 31,
2021. However, this rider may be extended for a further year unless one or bothof JEES and underwriting companies declares an intent to cancel it in writing atleast one month before the expiration of the term of validity; the same shall apply
every year thereafter.
2. JEES and underwriting companies may revise or cancel part or all of this rider
by giving notice in writing at least 30 days in advance.
3. An insurance contract already established shall continue to remain valid until
the expiration of its term of validity even in the event this rider is canceled
pursuant to the provisions in the preceding paragraph.
4. In the event this rider is canceled pursuant to the provisions in the preceding
two paragraphs, JEES must pay any unpaid insurance premiums without
delay to underwriting companies.
(Mutatis mutandis)
Article 19 Matters not stipulated in this rider shall be as stpi ulated in ordinary
agreements, other riders, and Japanese laws and ordinances.

VIII. Explanations of Important Points
Contract Overview & Points of Attention Explanation
・The Contract Overview gives particularly important information for understanding the details of this product of insurance.
・The Points of Attention contains matters which may be disadvantageous to enrolling students and other matters which are very important tohem. Please be sure to read them.
・This document does not contain all information about this insurance. Full details are given in the insurance clauses on pages 8 – 15. For
questions and concerns, please contact the section in charge at your school. (students section, student support section, health center, etc.)(Note) We ask that you please store the pamphlet, copy of application, and enrollment details in a readily available place.

1. Contract Overview
1. Framework and conditions of acceptance(1) Product framework
This insurance is a group contract between Japan Educational
Exchanges and Services (JEES), the policyholder, and students,
the insured (those who may receive compensation), who areenrolled in schools that are supporting members of JEES. In
principle, JEES reserves the right to request the insurance policy
and the right to cancel the insurance contract.
(2) Compensation and Period of Insurance (Insurance Contract Period)
Please confirm ① conditions and types of claims payable under
this insurance, ② main cases with no compensation, and ③ theperiod of insurance and other details on pages 2 – 6.
(3) Conditions of acceptance (the insured amount, etc.)
These are the underwriting conditions of the insurance of theprearranged insurance types. Please confirm the details of
insurance types on page 1 and on page 5
2. Insurance premiums
Premiums are decided based on the applicable share of premiumand other factors. Please confirm the details of premiums on page 1.
3. Maturity refunds and policyholders’ dividends
There are no maturity refunds or policyholders’ dividends under
this insurance.

2. Points of Attention
1. Duplication of compensation○ In the event that the insured person or their family is alreadycontracted for the same type of insurance product with someother insurer, it is possible that the scope of compensation may
be duplicated. Please take time to examine and review thedetails of your contracts, in accordance with your needs.
○ Moreover, in the course of reviewing your contracts in order toavoid duplication of compensation, when terminating contracts
with outstanding indemnification, please be aware that any
indemnification may not apply in future. Please exercise caution.
2. Duty of disclosure
At time of enrollment, the insured party is required to notify theunderwriting insurance company of any important matters.(＊1)
・If the insured party failed to disclose any pertinent matters, orif the items disclosed are found to differ from fact, the contract
may be terminated or insurance claims may not be payable.
・When concluding an insurance contract on behalf of anotherperson, any failure to disclose pertinent matters, or any
variance from fact in regard to disclosed items caused either
by conscious intent or major oversight on behalf of the insured
party (those who may receive compensation) or that person's
representative, and through no fault of the insuring party or theirrepresentative(s), shall be treated as indicated above.
(＊1) This includes matters pertaining to other insurance contracts.
3. Points of concern after enrollment (duty of notice, etc.)○ P lease refer to the details about the obligation to report
withdrawal from school and the procedure in the occurrence ofan accident on pages 6 to 7. Insurance claims may not be able
to be paid or enrollment cancelled without providing notice andconducting procedures.
○ Insurance premiums may change depending on the content of thecontact we receive. In this case, we will bill or return premiums
calculated for the period after the change in the content occurs in
the notification items stated on the tally report etc.
4. Commencement date of coverage
Please confirm on page 2.
5. Main cases not covered under this insurance
Please confirm on page 6.
6. Handling of insolvent insurance companies
In the underwriting event that the insurance company should
become insolvent, there may be cases where the payment ofclaims, refunds, etc. is frozen for a certain period of time or where
the amount of claims, refunds, etc. is reduced. Please confirm
details on page 17.
7. Coinsurance
For coinsurance, please confirm on the backside of the cover.
8. Handling of private information
Please confirm on page 17.
9. Request for cancellation by the insured
There is a scheme which allows the insured to cancel theenrollment in which he/she is involved. As to details of this schemeand procedures, please inquire using the contact number in the“Handbook for Enrollment.” Please explain the content of thisscheme to the family members of the insured.
10. Claim of insurance benefit by proxyIf for certain reasons the insured is unable to claim the insurance
benefit, and in the absence of a proxy of the insured who isauthorized to receive the insurance benefit payment, a family
member such as spouse who satisfies specific conditions by theunderwriting insurance company may stand as proxy of the insured－ 15 －

20240116_10412445_04.indd

in claiming the insurance benefit. As to details, please inquire using
the contact number in the “Handbook for Enrollment.” Please explain
the content of this scheme to the family members of the insured.
11. Cancellation due to revocation of enrollment, nullification orsignificant reasons○ In the event that the policyholder, the insured or recipient of
insurance money engages in fraud or coercion at the time ofenrollment, Tokio Marine & Nichido Fire Insurance may revoke
enrollment.
○ Enrollment shall be nullified in the event that any of the following
apply:
・The insured person's consent was not obtained when
designating a death insurance money recipient (except in cases

where a legal heir of the insured is designated as the recipient)○ In any of the following cases, Tokio Marine & Nichido Fire
Insurance may cancel enrollment. Note that in such cases, thecompany may not be able to pay the insurance money either inwhole or in part.
・The policyholder, insured or recipient of insurance money caused
damages or injury with the purpose of having Tokio Marine &Nichido Fire Insurance pay insurance money based on this policy.
・The policyholder, insured or recipient of insurance money isaffiliated with organized crime or is deemed to be an otherwise
antisocial force, etc.
・The insured or recipient of insurance money engaged infraudulent activity with respect to the claim for insurance money
based on this policy.

General Insurance Association of Japan

Tokio Marine & Nichido Fire Insurance Co., Ltd.

General Insurance Alternative Dispute Resolution (ADR) Center (designated conflict resolution institution)

For concerns or consultation about insurance:(Note) Regarding the status of enrollment in the insurance and change inthe contract details, please get in touch with the contact at school.
(The insurance company)
Tokio Marine & Nichido Fire Insurance Co., Ltd. (Lead underwriting
insurance company)
Educational Organization Division Government Sector Dept. 2〒102-8014
6-4 Sanbancho, Chiyoda-ku, Tokyo
0120-587-050 (Toll free)

Tokio Marine & Nichido Fire Insurance Co., Ltd. has concluded a
Basic Contract for Implementation of Dispute Resolution Procedureswith the General Insurance Association of Japan (SONPO), which
is a designated dispute resolution organization designated by
the Financial Services Agency Commissioner, as based on the
Insurance Business Act.
In the event that a dispute with Tokio Marine & Nichido Fire
Insurance Co., Ltd. is unable to be resolved, an application for
resolution of the dispute may be made with SONPO.
For more information, please refer to the SONPO homepage.
(https://www.sonpo.or.jp/)

For contact or consultation about accidents:
School Insurance Desk, Tokio Marine Nichido

0120-868-066 (toll-free)

0570-022808 (Charged Call) his number connects you to your School Insurance Desk, so calls may(Note) T
be returned from another School Insurance Desk in charge of your school.
Business Hours: 9:00-17:00 on weekdays (Closed on weekends & holidays)

When calling from IP phones, please call 03-4332-5241.
Business hours: 9:15-17:00 on weekdays(Closed on Saturdays, Sundays, national holidays, and year-end and New Year period.)

IX. Addresses for insurance claims (Wellness Insurance Money Support Dept, Tokio Marine and Nichido Co., Ltd.)
Tokio Marine Nichido Office (School Insurance Desk)

Address

Tokio Marine & Nichido Fire Insurance Co., Ltd.
Wellness Insurance Money Support Dept., Accident Insurance

Toranomon Tokio Marine Nichido Bldg.

Support Office,3-9-4 Nishishinbashi, Minato-ku, Tokyo

Accident Insurance Support Team 3 (School Insurance Desk)

105-8551

Toll-free number: 0120-868-066－ 16 －

20240116_10412445_04.indd

X. Other(Handling of insolvency cases of an insurance company)
In the event that the underwriting insurance company should become insolvent, there may be cases where the payment ofclaims, refunds, etc. is frozen for a certain period of time or where the amount of claims, refunds, etc. is reduced. Moreover,this insurance shall fall under the Non-life Insurance Policyholders Protection Organization of the Insurance Business Act, andclaims and refunds shall be partialy compensated by the Organization. Partial compensation by the Organization shall be as
follows:
・The period of insurance is under one year: In principle, 80% (or 100% for claims arising from an insured event within threemonths of the suspension of payment of an insolvent insurance company.)
・The period of insurance is over one year: In principle, 90% (or below 90% for over five years in the event that the rate of
return on policies used to calculate premiums at the time of insolvency of the underwriting insurance company has always
been higher than the standard interest rate set by the cabinet minister in charge for the past five years.)(Guide regarding the handling of private information)
Japan Educational Exchanges and Services (JEES), the policyholder of this insurance, will provide private information
concerning the names, student numbers, payment dates, etc. of students enrolled in this insurance to the underwriting
insurance companies in relation to this insurance. The underwriting insurance companies and their group companies will use
such private information concerning this contract for the purposes of underwriting decisions, management and implementationof duties under this contract, provision of incidental services, information and provision of various other insurance and financial
products and related services, conducting questionnaires, as well as in cases (1) to (6) mentioned below. The purposes of using
particular confidential health and medical information (sensitive information) are restricted to the scope considered necessary
for the appropriate operation of insurance business and the like, under the Insurance Business Law EnforcementRegulations.
(1) Private information in this contract shall be provided to entities to accomplish purposes of use deemed necessary. Entities
include entrusted businesses (including insurance agencies), insurance brokers, medical institutions, entities related toinsurance claims and payments, financial institutions, and the like.
(2) Private information shall be used in cooperation with other insurance companies and the General Insurance Association ofJapan for the purpose of making decisions regarding insurance claim payments and other matters.
(3) Private information shall be used in cooperation between Tokio Marine & Nichido Fire Insurance Co., Ltd. and its Group
companies, as well as between Tokio Marine & Nichido Fire Insurance Co., Ltd. and affiliated companies for the purpose ofproviding and introducing products and services.
(4) Private information shall be supplied to reinsurance companies for the purposes of entering, renewing and managing
reinsurance contracts.
(5) Private information shall be provided to secured parties for administrative procedures regarding the establishment, etc. of
security rights of pledges, liens, etc., as well as the management, and exercise of such rights.
(6) Insurance money claim information etc. (including past information) of those covered by insurance shall be provided tothe policyholder and the student enrolled in this insurance to ensure stable operation of the contract (e.g., judgments of
insurance underwriting relating to renewal contracts)
For details, please refer to the websites of Tokio Marine & Nichido Fire Insurance and other underwriting insurance companies.
Tokio Marine & Nichido Fire Insurance: www.tokiomarine-nichido.co.jp/
Private information will be included in a list of enrolled members prepared by their schools which JEES submits to Tokio Marine& Nichido. Should you find it difficult to agree to the above, you are requested to inform JEES immediately. (Agreement to theabove is required to enroll in this insurance.)

IssuerJapan Educational Exchanges and Services
Student Insurance Division, Student Support
Department〒153-8503
4-5-29 Komaba, Meguro-ku, Tokyo
TEL: 03-5454-5275
http://www.jees.or.jp/
Drafted in November 2023
－ 17 －

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What to do
if you are
injuredInsurance claim procedures

If you have an accident,
perform the procedures below.

✓ Report the accident to your school and confirm□
the means of notifying the insurance company(Tokio Marine & Nichido) of the accident.

▼✓ Report the accident to the Tokio Marine & Nichido□
School Insurance Desk (Tokyo) using theaccident report postcard (postage paid),
LINE (＊), your cell phone, computer or fax.
＊LINE may not be available depending on the school.

▼

Report(Accident
System Landing Page)✓ Get and keep your receipts from your hospital visits.
□▼✓ Get the insurance claim form from your school.
□▼✓ After completing treatment, send the insurance□
claim form (certified by the school) to the Tokio
Marine & Nichido School Insurance Desk (Tokyo).
(Note) The address is on P16.

▼

✓ Tokio Marine & Nichido will pay the claim.
□

J-5