International Student Kyosai system
This support system is based on Student Kyousai System of “Japanese Language Institute co-operation”
that our school is registered to.
This support provides:① Coverage for medical expenses that you paid as individual payment for accidental injury andsickness that occurred while you are insured in Japan.
② Coverage for compensation money that you legally owe other people such as for injuring them or
causing damage to their property by accident.

Maximum amount for each coverage
Support case
Support applies toAmount of coverage

Death by injury

2 million Japanese yen

Residual disabilityMaximum 2 million Japanese yen

Death by sickness

2 million Japanese yen

Medical treatment cost
Reparation liability

One accident case
One illness case

Maximum 500 thousand Japanese
yen per case

One accident case

Maximum 30 million Japanese yen percase

Coverage for expenses ofDuring each
insured student and his/her
insured periodfamilyMaximum 1 million Japanese yen

Contents of the coverage
Deathinjury

byThis compensation will be paid for a case that a student get injured during the insured period anddie from it within 180 days counting from the day the accident occurred.

Residualdisability

This compensation will be paid for a case that a student get injured during the insured period andhave residual disability from it within 180 days counting from the day the accident occurred.

Deathbysickness

This compensation will be paid for a case that a student get ill and die from it during the insuredperiod.

Medicaltreatment※)
cost(※

When a student get injured or ill during the insured period and result in paying medical treatment
cost for it, in condition that the fees below are officially covered by Japanese national healthinsurance, the medical expense amount after deduction of indemnity fee (3,000 yen per accident /illness case) will be paid. However, it will be limited to medical expense that a student needed
to pay within 180 days from the day the accident occurred or the day a doctor started treatment forillness.
①

Medical expense paid to a doctor including fee for treatment and surgery②

Medicine cost for that treated / prescribed by a doctor, material cost for treatment and fee

for using medical appliances③

Cost for X-ray / other examinations and use of a patient room for hospitalization④

Cost for hospitalization at a hospital or clinic

Reparation
liability

Coverage for
expenses ofinsured
student andhis/herfamily

The system will pay reparation liability fee to support student's legal compensation that the student
is obligated to pay for physically injuring others or damaging other people's property in an incidental
accident that occurred in Japan during the insured period. However, the amount of 3,000 yen per
accident will be deducted from the reparation liability as indemnity.

The system will cover expenses that the Japanese language school, student himself/herself or his/herfamily paid under any one of the conditions below.
①

When the expense is considered proper as compensation for death from injure or illness.

②

When an insured student commits suicide and die during the insured period③

When the expense counts as medical treatment cost for injure/illness and the student gets

hospitalized for continuous 5 days or longer.
④

When a ship or plane that a student rides during insured period gets wrecked or go missing⑤

When there is a situation that official organization such as police confirms that whether a student

is dead or alive cannot confirmed or there is a need for immediate search or rescue of the student
due to sudden and incidental accident caused by outer force.
(※※）

In case a student is enrolled to the school with a resident status other than “temporary visitor”, the student

must be registered to Japanese national health insurance in advance and have his / her medical treatment cost coveredby the national health insurance before requesting Kyousai system for compensation of the medical expense.

Example of cases that the student kyousai does not cover (Please make sure to read this)（１）Coverage（１）Coverage for death by injury, residual disability and medical treatment cost for injury① Damage, injury caused under intention, gross negligence② Damage, injury caused under suicidal/self-injury, crime, fight③ Accident occurred under driving without proper license or drunk driving etc.
④ Accident occurred based on brain disorder and mental unsoundness⑤ Damage related to pregnancy, child birth, misbirth, preterm birth⑥ Surgery and other medical treatment other than that covered by the kyousai system⑦ Damage that resulted from punishment administered by the law⑧ Damage related to war, use of force by foreign organization, revolution, takeover, civil war, rebel byarmed wing and other commotion and accidents similar to them
⑨ Nuclear radiation / contamination⑩ Earthquake, volcano eruption, tidal wave
⑪ Pains that have no objective symptoms such as whiplash injury, lower back problems etc.
⑫ Accident that occurred outside Japan（２）Coverage（２）Coverage for death by sickness and medical treatment cost for sickness① Sickness from disorder that is subject to the compensation② Damage related to pregnancy, child birth, misbirth, preterm birth③ Dental treatment④ Altitude illness that result from mountain climbing⑤ AIDS⑥ Sickness or injury that occurred before registering to the insurance and sickness that is considered tobe related to them
⑦ Sickness that is subject to government support for being listed as incurable disease by Japanese
Health, Labour and Welfare Ministry⑧ Pains that have no objective symptoms such as whiplash injury, lower back problems etc.

（３）Coverage（３）Coverage for reparation liability① A case which is considered to be caused under intention② Damage, injury caused under suicidal/self-injury, crime, fight③ A case that occurred in relation with applicant’s work or part time work
④ A case that is related to applicant owning/ using/ managing movable asset⑤ A case that is related to applicant owning/ using/ managing real estate⑥ Damage occurred between applicant and his/her family members⑦ Reparation that applicant owes someone who has true right for damaged asst that the applicant owns
/ uses/ manages⑧ Damage caused under applicant’s mental unsoundness⑨ A case that is related to applicant owning/ using/ managing cars/ motorcycles etc.
⑩ Injury and residual disorder of applicant’s employee that occurred in relation with the applicant’sbusiness or the employee’s working hours.
⑪ Reparation that applicant owes as penalty charge⑫ Reparation for accident that occurred outside Japan（４）Coverage for expenses of insured student and his/her family① A case caused under intention, gross negligence of applicant or someone who is subject to receiving
the compensation② A case related to applicant’s illegal activity or fight③ A case related to war, use of force by foreign organization, revolution, takeover, civil war, rebel byarmed wing and other commotion and accidents similar to them
④ Accident occurred under driving without proper license or drunk driving etc.
⑤ Earthquake, volcano eruption, tidal wave
⑥ Reparation for accident that occurred outside Japan