Personal Liability Insurance for Students (=GAKUBAI) (Insurance Premium)

CO-OP Student Comprehensive
Mutual Insurance (premium)Students commuting from parental home
For people who do not need coverage for a person
living alone against risks although they are living
alone in an apartment or dorm

CO・OP学生総合共済（掛金）G500 Course
1年間の掛金Annual premium¥6,000For International Students

学生賠償責任保険（保険料）

6,000円

実家通学の方アパート・寮などにお住まいだが「お住まい」等を取り巻くリスクに備える一人暮らしのための保障が不要な方

For people who need coverage for a person living
alone against risks surrounding life in an apartment
or dorm
アパート・寮などにお住まいで「お住まい」等を取り巻くリスクに備える一人暮らしのための保障が必要な方※右 記 保 険 料 は、
（主 に2024 年 度 の 新 入 生 の 方 が）2024 年 4月1日を始期日として加入する場合の金額でWithout special clause for persons living alone
With Special clause for persons living alone
す。なお、2024 年 4月2日から4月30日までに中途加
一人暮らし特約なし
一人暮らし特約あり 19HK
19H
入する場合、保険料は変わりません。
※2024 年 3月以前、および 2024 年 5月から2025 年 3Annual insurance premium 1年間の保険料
Annual insurance premium 1年間の保険料
月に中途加入される場合は保険料が異なります。
円
円※保険料は料率改定等により変更となる場合があります。
学生賠償責任保険（施設・生産物賠償責任保険を除きます。
）に ＊The insurance premium indicated above applies to students (mainly new students as of 2024) who havesubscribed beginning on April 1, 2024. Even if a student takes out an insurance policy between April 2, 2024 andついては30%の団体割引が適用されます。
April 30, 2024, there will be no change in the insurance premium.
●前年度ご加入いただいた被保険者の人数に従って割引率が適＊Premiums are different in case those who subscribe on or before March 31, 2024 and those who subscribe from May
用されます。なお右記の学生賠償責任保険の保険料（施設・生2024 to March 2025.
産物賠償責任保険を除きます。
）は、職種級別 A・学生の場合 ＊Premiums are subject to change due to the change in rate and so forth.
の保険料です。
A 30% group discount is applied to Personal Liability Insurance for Students (except for facility/product liability insurance).
●The discount rate is applied based on the number of insured in the previous fiscal year. The aforementioned※学生総合共済は、学生組合員で発効日の年齢が満 34 歳以下の

1,800

¥1,800方が加入することができます。お問い合わせはコープ共済セン
ターまでお願いします。
※掛金・保険料を口座振替することにより契約は卒業予定年まで自動継続します。
2 年目からの掛金・保険料の支払いは口座振替です。口座開設についての詳細は、銀行またはゆうちょ銀行の窓口でご確認ください。
※学生総合共済・学生賠償責任保険の振替口座は、原則１口座の登録となります。
※学生賠償責任保険は、共済ではなく日本コープ共済生活協同組
合連合会が保険契約者となり、三井住友海上火災保険株式会社（幹事）と締結する団体契約の保険です。

¥8,5008,500

amount of insurance premium for Personal Liability Insurance for Students (except for facility/product liability
insurance) is the insurance premium for students of job grade A.
＊Those who are student co-op members and 34 years old or younger upon the effective date can subscribe to Student
Comprehensive Mutual Insurance. For more information, please get in touch with the CO・OP Kyosai Center.
＊Your insurance policy will continue automatically until your expected year of graduation, with the insurance
premium or the premium paid by account transfer.
The premium or the insurance premium is paid by account transfer starting from the 2nd year. Please contact yourbank or the Japan Post Bank regarding the details of opening an account.
＊In principle, one account is registered as a transfer account for Student Comprehensive Mutual Insurance andPersonal Liability Insurance for Students.
＊Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation is the policyholder for Personal Liability
Insurance for Students, since it is not mutual insurance; and Personal Liability Insurance for Students is groupinsurance contracted between the University Co-operatives Mutual Aid Federation and Mitsui Sumitomo InsuranceCo., Ltd. (lead underwriter).

University Co-op version

留学生の皆さまへ

CO-OP Student
Comprehensive
Mutual Insurance

Authorized by the Ministry of Health, Labour and Welfare

Recommend!

あわせておすすめする保険

厚生労働省認可

Coverage of this brochure is beginningin September, 2023
2023年9月以降保障開始版

Personal Liability Insurance for Students (With or without special clause for persons living alone)

学生賠償責任保険（一人暮らし特約 なし・あり）A secure insurance system based on mutual help among around 697,000 student
co-op members across Japan.
約69.7万人の学生組合員がたすけあう、安心の保障制度です。

For questions regarding the formalities for subscribing to an insurance policy 加入手続きについてのお問合わせ
Contact your university co-op Mutual Insurance desk regarding the formalities
pertaining to qualifications and plans for subscribing to an insurance policy, etc.

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

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

rt
Suppo
lp
e
H
d
n
a
her. 。
tohcEa 、たすけあう

https://www.univcoop.or.jp/en/coop/list.html

For questions regarding the details of coverage 保障内容についてのお問合わせ

Call this number to find out the details of the coverage. 保障内容について詳しくお知りになりたい方はこちらまで

0120-16-9431

Only in Japanese ※日本語のみの対応です

CO・OP Kyosai Center コープ共済センター

You will hear voice guidance if you call this number. Please press

as indicated by the voice guidance. (You can press a number while the voice guidance is still on.)あい
ささえ

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

Hours Open
受 付時間

9:00 – 18:00 Monday to Saturday (excluding public holidays) *Closed at year end and New Year. (December 31 to January 3)
9:00〜18:00 月〜土(祝日含む）※年末年始はお休みとなります。
（12/31〜1/3）

Please see the FAQ on the website. Webサイト内「よくいただくご質問」もあわせてご覧ください。

https://kyosai.univcoop.or.jp/

Written: In Japanese

記載言語：日本語※The contents of the brochure are subject to change without notice.

※パンフレットの記載内容は予告なく変更することがあります。

Policy Underwriting Organization 契約引受団体
Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation

Insurance agent 保険取扱代理店
University Co-operative Insurance Service Co.,Ltd.

株式会社 大学生協保険サービス
CO・OP Kyosai places a lot of emphasis on personal information, and observes the personal
information protection law. You can visit the CO・OP Website as follows.

https://hoken.univcoop.or.jp/

CO・OP共済は個人情報を大切にし、個人情報保護法を守ります。
下記のコープ共済連のホームページでもご案内しています。

https://coopkyosai.coop/39

coopkyosai

PB2403（2023.12. 25,000）

SearchApproval No. 承認番号：ucm240303 A23 -101480
Date of approval: December, 2023 承認年月：202３年12月 Expiration date: April 1,2025 使用期限：2025年4月1日

Covered from the first day of hospitalization or
outpatient treatment for injury

CO-OP Student Comprehensive Mutual
Insurance

入院・ケガ通院を1日目から保障

CO・OP学生総合共済

Coverage for various accidents requiring
compensation in student life

Personal Liability Insurance for Students

学生生活のさまざまな賠償事故にそなえる保障

Coverage for risk of student living alone
一人暮らしの住まいのリスクにもそなえる保障(Without special clause for persons living alone)
学生賠償責任保険（一人暮らし特約なし）

Personal Liability Insurance for Students(With special clause for persons living alone)
学生賠償責任保険（一人暮らし特約あり）

pp.3-4

pp.5-6

pp.7-8Japan CO-OP Insurance (Kyosai) Consumers' Co-operative Federation

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

Six points: Student Comprehensive
Mutual Insurance and theinsurance we recommend

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

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

学生総合共済とあわせておすすめする保険 6つのポイント

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

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

500 yen per month *In case of G500 course

１ヵ月あたり 500 円 ※G500 コースの場合

1

2
3
4
5
6

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

About Univ. co-op and Student Comprehensive Mutual Insurance
生協・共済加入について

Just complete the Univ. Co-op and Mutual Insurance
procedures together with your entrance procedures.
入学手続きとあわせて生協・共済加入の手続きをお願いします。

お手頃な掛金で安心できる留学生活の保障

CO・OP Student Comprehensive Mutual Insurance コープ学生総合共済

With Student Comprehensive Mutual Insurance, youhave peace of mind even for things which are notcovered by National Health Insurance*
国民健康保険 では支払われない部分も
学生総合共済で安心※

Q Is it necessary to subscribe to Student Comprehensive
Mutual Insurance and the insurance in addition to National
Health Insurance?
A We recommend you subscribe to them for all eventualities
during your life in Japan. In the event of sickness or an injury,
there may be cases where you have to pay for expensive medicalcare. (Ref.) In case of medical care covered by National Health
Insurance, 70% of medical expenses are paid by the Insurance
and the remaining 30% of expenses are paid by the individual. It
is required that International students staying more than threemonths in Japan take out National Health Insurance.

24-hour, 365-day coverage whether you are in Japan, Commuting or during lectures During internships
In Japan or traveling abroad
During part-time work
returning to your own country or traveling abroad
While playing sports
During club activities
24時間365日、日本国内・帰国中、海外旅行中でも保障
CO・OP Student Comprehensive Mutual Insurance コープ学生総合共済

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

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

Contact the University Co-op for consultation in case of
injury or illness
ケガや病気をしたときのご相談は大学生協窓口まで

Illness and accident prevention activities
病気や事故にあわないための予防活動

Traffic accidents
On trips home

Q 国民健康保険以外に共済・保険に加入が必要なの？
A 留学生活の万一のために加入をおすすめしています。
病気になったりケガをした時、場合によっては高額な治療費を支払わなけ
ればならないこともあります。
（参考）国民健康保険の対象となる治療の場
合、医療費の 70％が国民健康保険で支払われ、残りの 30％が自己負担となります。日本に 3 ヵ月以上滞在する外国人留学生は国民健康保険への加入が義務付けられています。

通学中・ 授業中
アルバイト中クラブ・サークル
交通事故
帰国中

インターンシップ中
日本／海外旅行中
スポーツ中

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

Variety of services
大学生協の各種サービス•This insurance covers household goods damaged by ﬁre orwater, etc. in the rented house (including residential
premises).
•This insurance covers your household goods or bicycle
stolen from your room (including the residential premises).
•This insurance also covers your legal liability from landlordfor damage caused by ﬁre or water.

•火災、水ぬれなどで住宅（敷地を含む）
内の家財が損壊したとき•住宅（敷地を含む）
内の家財や自転車が盗まれたとき•火災や水もれ事故を起こし貸主（大家）さんから損害賠償を請求された
とき

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

共済加入の申し込み・相談
共済金の請求手続きのご相談
共済金の請求忘れがないように呼びかけDiet counseling, Health check plan, Health Festa, Bicycle/motorbike accident prevention activities, Anti-binge drinking,alcohol-related harassment prevention campaign
These activities are implemented by each university co-op.
For further details, please contact the university co-op at theuniversity where you are enrolled.

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

Study
学ぶ

Eat
食べる

※インターカレッジコープでご加入された方は、インターカレッジコープの事務所またはお電話で手続きをお願いします。
食生活相談会・栄養相談・健康フェスタ
自転車事故防止活動・バイク事故防止活動
イッキ飲み防止キャンペーン・アルハラ防止キャンペーン
これらの企画は各大学生協単位で行われております。詳しくはご自身の大学にある生協までお問い合わせください。

学生総合共済加入者のための安心サポート
学生生活無料健康相談テレホン
Only available in Japanese
日本語のみの対応です。

1

Consultation regarding physical and mental health
Speak to a specialist in physical and mental
health problems.

からだとこころに関する悩みに専門の相談員がお答えします。

Consultation regarding everyday life issues

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

一人暮らしで困ったことやストーカーや近隣とのトラブルなど生活をしている上で困ったことの解決をお手伝いします。

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

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

※国民健康保険の詳細は、お住まいの自治体の窓口にお問い合わせください。

からだとこころの健康相談

You can purchase the stationery and books necessary for your studies or research,personal computers, electronic dictionary, etc., all at discount prices. In addition,
we also accept applications for the TOEIC test, certification exams, and certificate
schools.
大学生は勉学・研究がイチバン！！
勉学研究に必要な文具や書籍、パソコンや電子辞書なども割引で購入できます。
また、TOEICや資格試験、資格スクールの申し込みの受付も行っています。

* Details about National Health Insurance, please contact your local government office.

Support for the peace of mind of Student
Comprehensive Mutual Insurance policy
holders Free telephone consultation forstudents regarding health

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

We protect
your privacy.
プライバシーは守ります。

2 4 hours
3 6 5 day
s
FREE
24時間
365日
無料

Accommodation
住むTravelトラベル

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

2

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

おすすめポイントRecommended points

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

POINT 1

で学業継続をバックアップ！
Annual premiumof mutual help to prepare the student to deal with injury and illness.
CO-OP Student Comprehensive System
The insurance covers illness and injury 24 hours a day, 365 days a year, whether on or off campus, in Japan orabroad. The insurance also covers injury due to earthquakes, volcanic eruption and tsunami.
Mutual Insurance
学生本人のケガや病気に備えるたすけあいの制度
C O・O P 学 生 総 合 共 済 病気やケガを24時間365日、学内外・国内・海外を問わず保障します。地震・噴火・津波によるケガも保障。
G500 Course

necessary coverage for student life in Japan!

POINT 2

POINT 3

１年間の掛金6,000 yen 6,000

円

Tanuro- the character forStudent Comprehensive Mutual Insurance
タヌロー
大学生協共済キャラクター

500 yen per month 1ヵ月あたり 500円

Details of coverageand premium

Covers the student’s injuries and illness

保障内容と掛金

学生本人のケガや病気を保障 ※学生本人・扶養者の死亡保障はありません。

*Death benefits are not paid for the student or the person supporting the student.

Eligible age for subscription (As of effective date)/ Fully 34 years old or younger Date of termination of insurance
coverage/ Final day of year and month of scheduled graduation (up to the maturity day of 35 years old)
加入できる年齢（発効日時点）／満３４歳以下 保障の終了日／卒業予定年月の末日（最長満３５歳の満期日まで）

Hospitalization

Coverage for Hospitalizationfrom 1st day for 360 days

5,000 yen per day
入院保障は1日目から360日分
日額

5,000円Surgical procedures, including same-day
surgical procedures, per procedure

ケガでの通院は1日目から90日分（固定具保障を含む）

手術は日帰りも含め1回の手術につき

Fixed 20,000 yen

1,000円POINT 5

POINT 410,000 yen

Once per Mutual
Insurance period(one year)

精神疾患の診療を受けたとき
こころの早期対応保障
共済期間（1年）
につき1回

10,000円

20,000円

Illness
andInjury病気・ケガ

outpatient treatment for injury does Student
Comprehensive Mutual Insurance cover?

持病がある方も 申込いただけます。

※お支払い内容や共済金請求書類につきましては、
ご契約内容・ご請求内容によって異なります。

Compensation for stalking victims
Once per Mutual
Insurance period(one year)

50,000 yen〈学生総合共済加入者全員対象〉

ストーカー被害見舞金
共済期間
（1年）
につき１回のみ

3

5 万円

被共済者が日本国内におけるストーカー被害について警察に届け出をし、被害拡大を予防する対策（鍵交換や引越し等）をしている等、所定の条件を満たす場合にお支払いする見舞金です。
※当見舞金は、共済事業の剰余金の一部を積み立てた中からお支払いするため、積み立ての状況によっては、金額等を変更する場合があります。

手術

For severe disability, regardless of illness or accident*The amount of insurance payout will depend on the severity of the disability.

重度後遺障害※1

被害拡大予防を目的とした見舞金です。

1回の手術につき 20,000円

Maximum 1,500,000 yen
最高150万円

Outpatient Treatment

1,000 yen per day

From the date of the accident up to 180 days, from the 1st day for 90 days (Including ﬁxation device coverage)
When ﬁxation devices are worn, 10 days of outpatient treatment will be counted.

(Coverage for Surgical Appliances)
Fixed 10,000 yen per accident

通院

Injuryケガ

事故日から180日以内、1日目から90日分（固定具保障を含みます）
固定具を装着した場合、10日分の通院があったものとみなします。

日額 1,000円（固定具保障）１事故につき定額10,000円

Accident Disability
A speciﬁed disability suffered within two years from the date of the accident* The amount of insurance payout will depend on the severity of the disability.

事故後遺障害Compensation
aiming toprevent further
stalking.

20,000 yen per surgery

病気・事故問わず重度後遺障害となった場合＊障害の程度に応じて金額が変わります。

※発効日の前日以前に罹患していた病気を原因とし、発効日から１年以内の事由については、お支払いできません。

This is a consolation payment that is made when certain conditions have been met, such as the insured
having reported acts of stalking occurred in Japan to the police and having taken measures to prevent
any escalation of the stalking (such as changing locks, moving to a new address, etc.).
*These payments are partly made from the accumulated surplus from mutual aid business activities,
and the payable amounts will sometimes depend on the amount of surplus that is available.

For surgical procedures approved for payment by the Mutual Insurance Rules and Regulations
For surgical procedures after the payment time limit for hospitalization and outpatient treatment has passed

Severe Disabilities*1

すべてが保障の対象ではなく、共済事業規約・細則で定められているものが対象となります。詳細はホームページ上の「ご契約のしおり」に掲載しています。
（記載言語：日本語）* Payment details and documents pertaining to requests formutual insurance payment differ depending on the detailsof the contract and the request.

Surgical Procedures

共済事業規約に定める支払い対象手術を受けた場合
入院・通院の支払限度日数を超えた後の手術も対象■ What types of hospitalization, surgery andYou may apply even if you havea chronic disease. *300,000 yen
30万円

270日以上連続した入院（１回の入院について１回のみ）* Payment will not be made for illnesses suffered within one year of the effective date due to the cases occurring on or before the previous day of the date that the contract was issued.

[For all mutual insurance policyholders]

日額 5,000円

長期入院■学生総合共済は、どんな種類の入院、手術、ケガ通院などが保障の対象ですか？

※

入院
1日目から360日分

Hospitalization continuing for 270 days or longer (Once per hospitalization only)

Not everything is covered. Coverage is as provided forin the Mutual Insurance Rules and Detailed Procedures.
Details are available in the "Guide to the Contract" on
the website.(Language: Japanese)
https://kyosai.univcoop.or.jp/guidance/outline.html

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

5,000 yen per day

Long-term Hospitalization

Outpatient treatment for injury
from 1st day for 90 days
(including coverage for fixation devices)
1,000 yen per day

日額

From 1st day for 360 days

Maximum 1,500,000 yen
最高 150万円

事故日から2年以内の所定の後遺障害状態＊障害の程度に応じて金額が変わります。

MentalHealthこころ

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

こころの早期対応保障
精神疾患の診療を受けたとき

Once per Mutual
Insurance period (one year)

10,000 yen

共済期間（1年）につき1回

10,000円*1 For Grade 1, 2 and 3 of the List of Disability Grades given in the ordinance for the Enforcement of the Industrial Accident Compensation Insurance Act.
※１労働者災害補償保険法施行規則の障害等級表の１級、２級、３級の状態。

4

Recommended points

おすすめポイントPersonal Liability Insurance forStudents (=GAKUBAI)(Without special clause for persons living alone)
学生賠償責任保険（一人暮らし特約なし）

19H• Students commuting from parental home • Students living or to live in apartments or dormitories, etc., who do not need insurance
cover for living alone to protect against the risks involved in their “residence”, etc. • Insurance cover applies in Japan and overseas.
●実家通学の方 ●アパート、寮などにお住まい（予定）で、「お住まい」等を取り巻くリ
スクにそなえる一人暮らしのための保障が不要な方 ●国内・国外の保障です。
The contents of this pamphlet are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。

POINT 1

POINT 2experiment in a laboratoryor while in training, thisThis insurance covers when you cause acompensated accident during an internship or
while doing part time work, or while abroad.
インターンシップ中やアルバイト中、さらに海外での賠償事故も保障します

cause an accident while inmedical training, this covers costs required formeasures to prevent the spread of infection within thefacility, and for medical treatment.
実験・実習中に発生した加害事故による賠償金や、医療実習中に発生した事故による院内感染の予防措置・治療の費用を保障しますThis covers liability for cases where you cause
another person injury while riding a bicycle or you
damage another person's belongings.
Up to alimit of

300 Million Yen

per oneaccident

自転車乗車中に他人をケガさせたり他人の財物を壊した場合など、
1事故最高3億円まで保障します

Without special clause for persons living alone is insurance cover for compensated accidents
that may occur during daily life, regular classes or internships, etc.
「一人暮らし特約なし」は、日常生活、正課の講義、インターンシップ中などにおける賠償事故を保障する保険です。

Insurance premium for one year*1
1年間の保険料 ※1

1,800 Yen 1,800円

Insurance coverage limit / insurance amount
Coverage for Personal Liability*2★Special clause for daily life personal
liability compensation☆Set of special clause relating to partialchanges of special clause for daily life
personal liability compensation (foruniversity students etc.)☆Set of compensation special clause(special clause for daily life personal
liability compensation) for insured
student only

個人賠償責任保障※2★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生等用）セット☆本人のみ補償特約（日常生活個人
賠償責任補償特約用）セット

Coverage for Liability for
Infringement of Personal
Rights*3
人格権侵害賠償責任保障※3

Coverage for Expenses Occurredin Infection Prevention
感染事故損害防止費用保障

5（正課の講義・アルバイト・インターンシップ等を含む）における賠償事故（国内・国外）
日常生活での他人に対する賠償責任を保障
例）
・他人の財物や商品を誤って破損させた・教育実習中に誤って生徒にケガをさせた・就業体験先から借りたパソコンを落として破損させた・自転車で通行人にケガをさせた など
臨時費用をお支払いする場合があります。詳細はp.25をご確認ください。

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

☆死亡保険金対象外特約セット

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

Up to a limit of

100,000 Yen☆天災危険補償特約セット

最高 10万円まで

ケガにより被保険者が所定の後遺障害を負った場合を保障*1 If you take out an insurance policy between April 2, 2024 and April 30, 2024, there will be no change in the insurance premium. Please see p. 39 for other details regarding insurance premium.
*2 Insurance payments will not be made in the following cases. For details, please refer to p. 28.
●Liability for injury to third parties caused by automobiles or motorcycles (including mopeds)●Liability for injury to participants of sports activities (in case that there is no occurrence of legal liability)●Liability for matters under the administrative responsibility of the university (in case that an individual is not legally liable)*3 Coverage for Liability for Infringement of Personal Rights does not include out-of-court settlement mediation services.
*4 Depending on the level of the disability, the insurance payment will differ.

Available 24 hours a day●スポーツにおける参加者間の賠償責任（法律上の賠償責任が発生しない場合）

Requests for insurance payment for
accidents can be made by calling the CO-OP
Kyosai Center or on the internet.

●大学の管理責任下での賠償責任（法律上個人に責任がない場合）※3 人格権侵害賠償責任保障には示談交渉サービスはありません。
※4 後遺障害の程度により、支払う保険金の額が異なります。

19H

24時間受付OK

Up to a limit of

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

1事故最高

3億円まで

（情報機器等の記録情報の事故は500万円を限度とします。）（示談交渉サービス付／国内）

Includes out-of-court settlement mediation services

示談交渉サービス付 19H

19H

19H

Annual up to a limit of

保険金請求は、コープ共済センターへ
電話またはインターネットでの事故受付も可能です。

(This service is available for liability from compensated accidents in Japan only.) （国内での賠償事故）19HK
In the out-of-court settlement mediation service, where the insured of this insurance is responsible for an accident, andthe consent of the insured and the other party has been obtained, the insurance company negotiates with the injured
parties and resolves the issue on behalf of the insured.
示談交渉サービスとは、この保険の被保険者が加害者となったとき、相手方および被保険者の同意が得られた場合、被保険者に代わって保険会社が被害者と折衝し解決するサービスです。

Example of accident in daily life

Example of accident in daily life

Bicycle accident 自転車事故

Accidents while walking 歩行中の事故

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

正課の講義等における医療関連実習で発生した事故に伴う感染予防措置・治療の費用を負担した場合を保障（国内・国外）(The above refers to a sympathy payment for costs incurredin the case of death, and the amount will differ depending on
the reason for the cost. However, there is an overall up to alimit of one million yen per one accident.)

19H●自動車、バイク（原付を含む）による第三者への賠償責任

正課の講義

Coverage of costs for measures of prevention of infection or treatment related to an accident
occurring during medical related training as part of regular classes. (In Japan and abroad)per one injured party☆Set of special clause for death insurance payment exemption☆Set of special clause for compensation for natural disaster risk

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

後遺障害保障※4500,000 Yen※2 下記のような場合は保険金をお支払いできません。
（詳細はp.28をご参照ください）

Occurring during daily life and practical training

日常生活および実習中

Coverage for disability*4

Up to a limit of19H※1 2024年4月2日から4月30日に中途加入する場合、保険料は変わりません。
その他の保険料の詳細につきましては、p.39をご覧ください。

支払限度額・保険金額

Compensated accidents (including regular lectures, part-time work, internships,etc.) (in Japan and abroad)Coverage for compensation liability to another person in daily life.
Example: Accidently damaged or broke someone’s property or goods.
Accidently injured a student during an educational training session.
Dropped and broke a laptop computer borrowed from a company during
an internship there.
Injured a passerby while riding a bicycle, etc.
Temporary expenses might be paid. Please see p.25 for details.

★傷害見舞費用補償特約☆被保険者の範囲に関する特約（傷害見舞費用補償特約用）セット

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

In case you cause an accident
involving another person
while conducting an
covers compensation. Or you

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

傷害見舞費用保障

POINT 3

★Special clause for compensation for condolence gifts to injured parties☆Set of special clause relating to the scope of the insured (for special clause forcompensation for condolence gifts to injured parties)

Coverage for condolence forcompensation gifts to injured parties

日常生活における事故例

年間最高 500万円まで

While riding a bicycle, bumped into a pedestrian
coming from the opposite direction, who fellover and got injured. (Third-year university
student)

When walking in the parking area at thesupermarket, knocked against a bicycleand damaged another person’s motorbike.
(Fourth-year university student)

Annual up to a limit of

自転車走行中、前方から歩いてきた歩行者と接触し、その歩行者が転倒しケガをした。（大学 3 年生）

店舗駐輪場を歩いている時、自転車を倒し、別の人のバイクを破損させた。
（大学4年生）5 Million Yen

5 Million Yen

年間最高 500万円まで

Insurance payout 910,938 Yen
支払保険金 910,938円

Insurance payout 411,702 Yen
支払保険金 411,702円

6

Recommended points (Set up rented room coverage on GAKUBAI insurance policy) (Fire and other coverage for housing)Coverage for theft of cash

（ 住まいの火災などの保障）
おすすめポイント（学生賠償責任保険にお部屋の保障をセット）

現金盗難保障living or to live in apartments or dormitories, etc., who need insurance cover for living alone to protect against the risks involved in their
Personal Liability Insurance •Students“residence”, etc. •The special clause for persons living alone (except Coverage for emergency travel costs for insured’s parents to rush to the aid of the insured) covers in Japan only. • A “rental
agreement” is required, but you can subscribe before you move in. • It is not possible to subscribe only to the special clause for persons living alone.
for Students (=GAKUBAI)●アパート、寮などにお住まい（予定）で、「お住まい」等を取り巻くリスクにそなえる一人暮らしのため

学生賠償責任保険（一人暮らし特約あり）

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

ですが、入居前でも加入できます。 ●一人暮らし特約のみの加入はできません。

臨時費用

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

19HK

POINT 4

住宅（敷地を含む）内において現金などが盗まれた場合を保障の保障が必要な方 ●一人暮らし特約（除く父母駆けつけ費用保障）は国内のみの保障です。 ●「賃貸借契約」が必要(With special clause for persons living alone)

POINT 5

With special
clause for persons
living alone*
一人暮らし
特約（注）

Tenant liability coverage includes compensatedaccidents caused by water leakage, etc. toindividual rented housing (includes
out-of-court settlement mediation services)
借家人賠償責任保障は水もれ等による、借用住宅への賠償事故を保障します（示談交渉サービス付）

Up to a limit of 10 million yen
per one accident
１事故最高1,000万円まで保障します

POINT 6

With special
clause for persons
living alone*
一人暮らし
特約（注）

With special
clause for persons
living alone*
一人暮らし
特約（注）

Coverage for emergency travel costs for insured’s
parents to rush to the aid of the insured
Coverage for travel, accommodation, etc. incurred by the
insured’s parents in going to the aid of the insured, in theevent that the insured has been hospitalized for three daysor more.

Coverage for household goods covers damage tohousehold goods due to ﬁre and water in rented
house(including residential premises), as well as coveragefor the theft of household goods, cash or bicycle, etc.

父母駆けつけ費用保障
3日以上入院した場合などに親族が現地に駆けつけるために支出した交通費・宿泊費等を保障します

家財保障は、住宅（敷地内を含む）内での火災・水ぬれなどによる家財の損害や、家財や現金・自転車の盗難にも対応します

Coverage for Repair Costs★Special clause (for university students etc.) for
compensation for rented housing repair cost

修理費用保障★借用住宅修理費用補償 (大学生等用)
特約「一人暮らし特約あり」は、p.5 〜 6の保障（19H）がすべて含まれ、さらに借用住宅の損害や家財・盗難にも対応します。

Insurance premium for one year*
1年間の保険料 ※1

Insurance coverage limit / insurance amount
Coverage for Tenant Liability*

5★Special clause for compensation for tenant liability(all risk)☆Set of special clause for resolution of compensatedaccidents*1

8,500 Yen 8,500円

see*1 in the middle of page 6※1 p.6中段の※1をご覧ください

支払限度額・保険金額

Coverage for tenant liability*

5

19HK

借家人賠償責任保障※5

被保険者の過失により、借用住宅が損壊し、貸主（大家）に対する法律上の賠償責任を負った場合を保障★借家人賠償責任補償（オールリスク）特約☆賠償事故の解決に関する特約セット

Coverage for household goods

per one accident

Includes out-of-court settlement
mediation services
1事故最高 1,000万円まで（示談交渉サービス付）

19HK

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

Coverage for Household Goods*★Special clause (for university students etc.) for
compensation for private property for daily life in
housing☆Set of special clause for changes in insurance
coverage and in the upper limits of the damages
amount of special clause for compensation forcompensation for private for daily life in housing (foruniversity students etc.)

2 Million Yen

家財保障※6★住宅内生活用動産補償（大学生等用）特約☆住宅内生活用動産補償（大学生等用）特約の保険の対象および損害額の上限変更に関する特約セット

19HK

per one accident

破損・汚損保障(Deductible: 10,000 Yen)

1事故最高 50万円まで

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

Coverage for theft of household goods /bicycles
家財・自転車盗難保障

住宅（敷地を含む）内の家財や自転車が盗まれた場合の損害を保障

Up to a limit of

500,000 Yen

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

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

7

1事故最高 200万円まで

火災・水ぬれなどによる住宅（敷地内を含む）内の家財の損害を保障

Coverage for damaged or soiled
household goods

Up to a limit of
per one accident

家財保障
6

Up to a limit of

10 Million Yen

Coverage of legally required compensatory liability to the lessor (landlord) if theirrented housing is damaged due to the negligence of the insured.

借家人賠償責任保障※5

Up to a limit of（免責金額1万円）

19HK

Up to a limit of

500,000 Yen

per one accident

1事故最高 50万円まで

100,000 Yen

per one premise1敷地内につき 10万円まで

19HK(Maximum amount of up to 200,000 Yen per one accident
per one residence area.)

損害保険金の 10%（1事故1敷地内ごとに最高20万円まで）

Coverage for repair costs of rented
housing

19HK

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

Up to a limit of

150,000 Yen

per one accident

借用住宅修理費用保障

1事故最高 15万円まで盗難に遭い窓ガラスやドアの錠を壊され、修理代を負担しなければならない場合などを保障
家具移動や搬出搬入または盗難における借用住宅内の損傷や投石などによる窓ガラスの破損等を保障

Coverage for repair of water pipes
水道管修理費用保障★Special clause for compensation for rescuers’
expenses (Hospitalization comprehensive type)☆Set of special clause for compensation for illness(Special clause for compensation for rescuers’
expenses (Hospitalization comprehensive type))

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

Coverage for emergency travel costs for
insured’s parents to rush to the aid of
the insured (rescuer’s expenses)

Up to a limit of

19HK

100,000 Yen

per one accident per one residence area
1事故1敷地内ごとに最高 10万円まで

借用住宅の水道管の凍結による破裂などの修理費用を保障

Coverage for Emergency Travel
Costs for Insured’s Parents to
Rush to the Aid of the Insured

10% of compensation
insurance payment

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

Coverage for repair costs of bursting of water pipes caused by frozen, etc. in rented
housing“With special clause for Persons Living Alone”, includes the guarantees on pp. 5-6 (19H), as well as covers damage to rented housing, household goods and theft.

1

19HK

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

19HK

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

父母駆けつけ費用保障（救援者費用）

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

Up to a limit of

100,000 Yen
10万円まで*5 Insurance payment cannot be made in the following cases. (For details, please see p. 34.)
●Damage caused by defects, corrosion, rust, mold, or any natural wear and tear
●Damage resulting from earthquakes, volcanic eruptions, or tsunami*6 Insurance payment cannot be made for loss due to theft outside of the insured’s house (including residential premises) including having one’s wallet stolen while commuting to school.
※5 下記のような場合保険金はお支払いできません。
（詳細は、p.34をご参照ください。）●欠陥、腐食、さび、かび、その他自然消耗などを原因とする損害●地震・噴火・津波による損害※6 通学途上で財布を盗まれたような住宅（敷地を含む）外での盗難事故などはお支払いできません。
*Please note: Special clause for Persons Living Alone refers to such as special clause for compensation for tenant liability (all risk) for the resolution of compensated accidents, the special clause (for university studentsetc.) for compensation for rented housing repair cost, the special clause for compensation for private property for daily life in housing (for university students etc.), and special clause for compensation for
rescuers’ expenses (hospitalization comprehensive type).
（注）「一人暮らし特約」とは、賠償事故の解決に関する特約付借家人賠償責任補償（オールリスク）特約、借用住宅修理費用補償（大学生等用）特約、住宅内生
活用動産補償 ( 大学生等用 ) 特約、救援者費用等補償（入院ワイド型）特約等を指します。

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

Limited to the new policies for Personal Liability Insurance for Students (With special clause for persons living alone) of new entrants (including transfer students and graduate students), theinsurance covers damages incurred due to the bearing of legal liability for an accident arising from a rented room and during the pre-matriculation ﬁre insurance period. (See p. 22.)
新入生（編入学・院入学を含む）が学生賠償責任保険（一人暮らし特約あり）に新規加入した場合に限り、入学前火災保障期間に発生した借用住宅に起因する事故によって法律上の賠償責任を負担することによって被る損害を保障します。（p.22参照）

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

8

Contract Intent Confirmation Form
契約意向確認書

CO-OP Student Comprehensive Mutual Insurance

3 Importance of matters to be declared

ＣＯ･ＯＰ学生総合共済

If you fail to answer questions about your health (matters to be declared) properly, your contract may be terminated (cancelled), and it may not be possible to make any Mutual Insurance payments to you. Even if you havereported something verbally to a co-op representative, this does not count as having answered the matters to be declared. If you are unsure of anything regarding the matters to be declared, contact your co-op representative.

◆ When filling in Subscription Application Form (Contract Intent Confirmation Form), please carefully read the following.
◆加入申込書 (申込欄：「契約意向確認」)の回答にあたって、以下をお読みください。

健康状態についての質問（告知事項）に正しく回答いただかないと、契約を終了（解除）とし、共済金をお支払いできない場合があります。
生協の担当者などに口頭でお話しされても、告知事項に回答したことになりません。告知事項について不明な点は、生協へお問い合わせください。

In the Student Comprehensive Mutual Insurance brochure “Contract Intent Conﬁrmation Form” and “Explanation of Important Matters”, the official name “CO-OP Student
Comprehensive Mutual Insurance” is given. In all other instances, the name "Student Comprehensive Mutual Insurance" is given.

4 Hospitalizations, surgical procedures and outpatient treatment for injury, etc., that qualify for insurance payments

学生総合共済パンフレットの「契約意向確認書」「重要事項説明書」では正式名称である「CO・OP学生総合共済」と表記しています。それ以外では、略称として「学生総合共済」と表記しています。

1 Information on the insurance coverage, insurance period, mutual insurance premiums and insurance expiration procedures of the CO-OP Student

Comprehensive Mutual Insurance you are applying for4 お支払いの対象となる入院、手術、ケガ通院などについて

All items speciﬁed in the Mutual Insurance Rules and Detailed Procedures qualify for insurance payments. Depending on the details, there are some cases that do not qualify forinsurance payments. The table below gives some typical examples.
共済事業規約・細則で定められているものが保障の対象となります。内容によっては保障の対象とならない場合があります。
下表は代表的な例です。

1 お申し込みのCO・OP学生総合共済の保障内容、保障期間、共済掛金、満期時の手続きについて

Examples of cases where insurance can be paid

【共済の保障開始日と保障期間について】
保障内容等については、保障表や重要事項説明書でご確認ください。
共済・保険は、申し込みと合わせ、掛金・保険料を領収した上で契約が有効となります。

Mutual Insurance period in first year

Payment method in following year

Insurance coverage termination

If you apply by March 31,
2024

From 00:00 midnight on April 1, 2024,
to March 31, 2025

Bank transfer (annual payment)

The last day of your scheduled year
and month of graduation

2024年3月31日までにお申し込みされた方2024年4月1日午前0時から2025年3月31日まで

口座振替（年払）卒業予定年月の末日まで

Mutual Insurance period in first year

Payment method in following year

Insurance coverage termination

If you apply on April 15, 2024

From 00:00 midnight on April 16, 2024,
to April 30, 2025

Bank transfer (annual payment)

2024年4月15日にお申し込みされた方The last day of your scheduled year
and month of graduation

2024年4月16日午前0時から2025年4月30日まで

口座振替（年払）卒業予定年月の末日まで

MutualInsurance
共済

新入生の方

初年度の共済期間

If you apply on and after April 1

初年度の共済期間

4月1日以降申し込みの方

E.g.:
例

New students

Payment method in following year

Insurance coverage termination

次年度の払込方法

保障の終了

Those who have paid in thepremiums by March 31, 2024

From 00:00 midnight on April 1, 2024,
to 16:00, April 1, 2025

Bank transfer (annual payment)

2024年3月31日までに払込みをされた方2024年4月1日午前0時から2025年4月1日午後4時まで

Until 16:00, April 1 of yourscheduled year of graduation

口座振替（年払）卒業予定年の4月1日午後4時まで

Mutual Insurance period in first year

Payment method in following year

Insurance coverage termination

Those who have paid premiumson April 15, 2024

From 00:00 midnight on April 16, 2024,
to 16:00, April 1, 2025

Bank transfer (annual payment)

2024年4月15日に払込みをされた方2024年4月16日午前0時から2025年4月1日午後4時まで

Until 16:00, April 1 of yourscheduled year of graduation

口座振替（年払）卒業予定年の4月1日午後4時まで《参考》

If you apply on and after April 1
4月1日以降払込みの方

例

保障の終了

初年度の保険期間

Insurance

E.g.:

次年度の払込方法

保障の終了

Insurance period in first year

新入生の方

Reference
保険

次年度の払込方法

初年度の共済期間

次年度の払込方法

Surgicalprocedures
手術■ Hospitalization that fulfils the following three conditions
1. Cases covered by health insurance.
2. Cases treated by a hospital as "hospitalization".
3. Cases corresponding to "hospitalization", as speciﬁed in the Mutual Insurance Rules and Detailed Procedures**Treatment by a physician is necessary and would be difficult to administer outside of hospital, requiring
hospitalization for the purposes of medical treatment under constant medical supervision.
E.g. Hospitalization for the treatment of pneumonia, heart attack, imminent preterm birth, etc.
■病気やケガの治療を直接の目的として受けた、共済事業規約・細則で支払対象としている手術※お支払いについて制限がある場合があります。
（例）
・腫瘍を摘出する手術・白内障の手術・虫垂炎の手術など■ Cases where all of the following three conditions are met(1) Sudden (an injury that occurs suddenly)(2) By chance (an injury that occurs unforeseeably)(3) Extrinsic (an injury that occurs as a result of something external to the insured)
E.g. Burns caused by steam from a rice cooker, bruising caused by falling off a bicycle, etc.

Outpatient ■次の 3 つの条件をすべて満たしているもの
treatment①急激性（突発的なできごと）
for injury②偶然性（予見されないできごと）
ケガ
通院③外因性（原因が被共済者の身体の外部から作用すること）（例）
・炊飯器の蒸気でやけど・自転車で転倒し打撲など

5 Matters to be checked◆Please answer items

5「ご確認いただきたいこと」について◆以上、 〜to■ Cases not covered by health insurance■ Cases not treated as "hospitalization" by an hospital■ Cases not corresponding to "hospitalization", as specified in the Mutual Insurance Rules andDetailed Procedures
E.g. • Hospitalization for comprehensive medical examination• Hospitalization for normal delivery• Hospitalization for cosmetic surgery, etc.
■健康保険の適用とならないもの■病院で「入院」と扱われていないもの■共済事業規約・細則に定める「入院」に該当しないもの（例）
・人間ドックでの入院・正常分娩での入院
・美容整形での入院など■ Surgical procedures not for the direct purpose of the treatment of illness or injury
E.g. Surgical procedures for the purpose of examination or biopsy, surgical procedures forcosmetic surgery■ Surgical procedures not recognized in the Mutual Insurance Rules and Detailed
Procedures as qualifying for payment.
E.g. Surgical procedures for treatment of wounds or the extraction of teeth.
■病気やケガの治療を直接の目的としない手術（例）・検査、生検目的の手術・美容整形の手術■共済事業規約・細則で支払対象としていない手術（例）
・創傷処理・抜歯手術などなど■ Cases in which any one of the three conditions described at left is not met
E.g. Baseball elbow, Tennis elbow, muscle fatigue, recurrent dislocation, tendonitis, fatigue fracture,
fracture due to osteoporosis, shoe sores and blisters, chilblains, stiff neck from sleeping
position, heatstroke, contagious illnesses (impetigo, chickenpox), otitis media, conjunctivitis,
makeup rash, medicine rash, paronychia, ingrown toenail, scratching of insect bites, etc.
■ Those that do not fall under the category of outpatient treatment as stipulated in the“Mutual Insurance Rules and Detailed Procedures”■ Outpatient treatment after the insured person has healed to the extent that it does notinterfere with normal life or work
■左の 3 つの条件をどれか 1 つでも満たさないもの（例）野球肘・テニス肘・筋肉痛・習慣性脱臼・けんしょう炎・疲労骨折・骨粗鬆症を原因とする骨折・靴擦れ・しもやけ・寝ちがい・熱中症・感染症（とびひ・水ぼうそうなど）
・中耳炎・結膜炎・化粧かぶれ・
薬かぶれ・爪周囲炎・陥入爪（まき爪）・虫にさされかきむしる など■共済事業規約、細則に定める「通院」に該当しないもの■平常の生活または業務に支障のない程度に治癒した以降の通院, above, in the subscription application form

について加入申込書(Contract Intent Confirmation Form).

(申込欄：「契約意向確認」)へご回答ください。

Your Mutual Insurance policy is a very important contract. Please check the following three points before making your application.
共済は大切な契約です。以下の3点をご確認の上、お申し込みください。

1. Be sure that you have read the Explanation of Important Matters.

【満期時のお手続きについて】満期時に、お手続きのご案内をします。なお、お手続きがない場合は契約終了となります。

1.「重要事項説明書」を読んでいただくこと。

2. There are cases where Mutual Insurance cannot be paid.
Be sure to read Explanation of Important Matters, II. "Information Requiring Attention".

2 Mutual Insurance period and payment or non-payment of maturity refunds, cancellation refunds or rebates

2．共済金をお支払いできない場合があること。
重要事項説明書 Ⅱ．
【注意喚起情報】をお読みください。

2 共済期間や満期金・解約返戻金・割戻金の有無について

Please conﬁrm the product you are applying for.

お申し込みいただく商品について、ご確認ください。

Product

Mutual Insurance period

Maturity refund

共済期間

満期金

Cancellation refund

商品

解約返戻金

割戻金※

CO-OP Student Comprehensive Mutual Insurance

One year (The period is automatically renewed until the insurance cover termination of each course.)

No

Yes

Yes

1年間（各コースの保障終了日までは自動的に更新します）

なし*If there is surplus remaining after settlement of accounts, this is returned in the form of rebates. (This does not constitute a promise of payment.)※決算後に剰余金が生じた場合、割戻金として還元します。
（お支払いを確約するものではありません。）

9

お支払いの対象とならない例■ Hospitalization that fulfils the following three conditions
1. Cases covered by health insurance.
2. Cases treated by a hospital as "hospitalization".
3. Cases corresponding to "hospitalization", as speciﬁed in the Mutual Insurance Rules and Detailed Procedures**Treatment by a physician is necessary and would be difficult to administer outside of hospital, requiring
hospitalization for the purposes of medical treatment under constant medical supervision.
HospitalE.g. Hospitalization for the treatment of pneumonia, heart attack, imminent preterm birth, etc.
ization■次の 3 点を満たす入院
1．健康保険の適用対象となるもの
入院
2．病院で「入院」と扱っているもの
3．共済事業規約・細則に定める「入院」に該当するもの※※医師による治療が必要であり、かつ自宅等での治療が困難なため、病院に入り、常に医師の管理下において治療に専念する入院。
（例）•肺炎での入院•心筋梗塞での入院•切迫早産での入院
など

保障の終了

Procedures to be followed upon expiration of the insurance period
When your insurance period expires, guidance for procedures will be sent to the insured. If the procedures are not followed, your subscription will be terminated.

ＣＯ･ＯＰ学生総合共済

Examples of cases where insurance cannot be paid

お支払いの対象となる例

Mutual Insurance start date and insurance period
For details of the insurance coverage, please refer to Coverage Table and Explanation of Important Matters.
The mutual insurance and insurance contract will become valid upon receipt of the installment and premium along with the application.

New students

3 告知事項の重要性についてあり

Rebate*あり

Mutual Insurance payment 共済金
Death, Serious disability, Hospitalization, Surgery,
Death of a parent or a benefactor

死亡・重度後遺障害・入院・手術・親扶養者死亡

Caution <extract> 注意事項（抜粋）No payment can be made if caused by an illness that began since before the effective date, and a Mutual
Insurance cause within one year of the effective date.

発効日の前日以前に発病していた病気を原因とし発効日から1年以内の共済事由については、免責とします。

3. If you are cancelling an existing Mutual Insurance or insurance policy in order to subscribe to CO-OP Student Comprehensive Mutual Insurance
Depending on the difference in insurance coverage, etc., between the policy you wish to cancel and the CO-OP Student Comprehensive Mutual Insurance, it may be disadvantageous for you to do this.
3．既にご加入の共済や保険を解約して、ＣＯ･ＯＰ学生総合共済に加入する場合解約される商品とお申し込みされるＣＯ･ＯＰ学生総合共済では、保障内容の違いなどで、加入者にとって不利益となる可能性があること。

10Explanation of Important Matters
重要事項説明書

CO-OP Student Comprehensive
Mutual Insurance
ＣＯ･ＯＰ学生総合共済

This Written Explanation of Important Matters includes important matters concerning the contract.
Please be sure to read it and apply after you have agreed. If you have questions, please inquirewith the University Co-op to which you belong. This does not include all details of the contract. For
details regarding mutual insurance payment and matters handled after the conclusion of the contract, please be sure to see “Guide to the Contract” on our website. (We encourage people to readthe information on our website as a way to conserve resources. If you would like to have a booklet
sent to you after the contract comes into effect, please contact the University Co-op to which you
belong.)
この重要事項説明書は、ご契約に関する重要事項を記載したものです。必ずお読みいただき、ご了承の上お申し込みください。不明な点はご加入の大学生協にお問い合わせください。なお、契約内容のすべてを記載したものではありません。共済金のお支払いや契約後の取扱事項等の詳細は、ホームぺー
ジに掲載する「ご契約のしおり」を必ずご確認ください。
（省資源の取組みとして、ホームページ上でのご確認を推奨しています。契約発効後に冊子の送付をご希望の方は、ご加入の大学生協までご連絡ください）。
Ⅰ Policy Outline

Included are matters we would particularly like you to confirm at the time of thecontract.
1. Structure of the policy(1) Features• CO-OP Student Comprehensive Mutual Insurance exists in order to provide members withmutual aid, is authorized by the Ministry of Health, Labor and Welfare, and is carried out by
Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation (hereinafter referred
to as “CO・OP Kyosai”), in accordance with the provisions of the Consumer Co-operatives Act.
In order to subscribe, you must be a member of a university co-operative (refer to (3) Scopeof Policyholder or Insured).
In CO-OP Student Comprehensive Mutual Insurance policies, the policy details are as per theStudent Comprehensive Mutual Insurance Rules and Detailed Procedures.
*Visit the website to view the Mutual Insurance Rules and Detailed Procedures, and “Insurance Policy Guidebook” which describes an overview of the
Mutual Insurance Rules and Detailed Procedures.
(Written : in Japanese) https://kyosai.univcoop.or.jp/guidance/outline.html
Ⅰ 契約概要
ご契約の際し、特にご確認いただきたい事項を記載しています。
１．商品のしくみ①特徴
・CO・OP学生総合共済は、組合員の共済を図ることを目的に、生協法に基づき日本コープ共済生活協同組合連合会（以下、コープ共済連）が厚生労働省の認可を得て行う事業です。ご利用にあたっては、大学生協の組合員になっていただく必要があります（⇒「③契約者または被共済者の範囲」参照）。
CO・ＯＰ学生総合共済の契約では、学生総合共済事業規約・細則の内容
が契約内容となります。
※共済事業規約・細則、および共済事業規約・細則の内容を要約した「ご契約のしおり」は、ホームページでご覧いただけます。
https://kyosai.univcoop.or.jp/guidance/outline.html(2) Insurance coverage period, etc.
• The Mutual Insurance period is one year, and unless there is an application to cancel thepolicy, the policy is automatically extended while the insured is still a student (up until thematurity date of 35 years old).
• Once the insured ceases to be a student, whether due to having graduated or discontinued
their studies, even during the Mutual Insurance period, their policy shall be cancelled fromthe day that they cease to become a student (in the case of graduation, this shall be the last
day of the year and month of the scheduled graduation, and in the case of discontinuation,
this shall be the date of discontinuation).
• Upon cancellation of the policy during the Mutual Insurance period, if there are any unexpired premiums, they will be refunded to the premiums transfer account when the policy iscancelled (insurance coverage finishes).

11③契約者または被共済者の範囲
	 契約者または被共済者になることができるのは、次の範囲の方に限ります。

(Important notes when concluding your policy contract)（ご契約にあたってご了承いただきたいこと）契約者▼

大学生協の組合員、または組合員と同一世帯の方
発効日において、次のア〜ウをすべて満たす方
ア．学
 生である方イ．契 約者本人、契約者の配偶者、契約者またはその配偶者
被共済者と生計を共にする２親等以内の親族（子、父母、孫、祖父母、兄弟姉妹）のいずれかの方
ウ．満34歳以下の方(1) the insured ceases to be a student, or(2) the first Maturity date after the insured becomesPremium payment method: annual
35 years of age,
Premium payment route: bank*2
whichever is the sooner.
transfer(4) Subscription limit
One insured person may only subscribe up to one contract.
* (For persons who are aged 14 or younger at the time of the effective date only) combined with Student Comprehensive Mutual Insurance and other CO・OP Insurance policies, Death Mutual Insurance (including Accidental Death Mutual Insurance) of up to 10
million yen may be subscribed to.

Example of a policy with an effective date of April 1, 2024 (schedule graduation: March, 2028
Effective date
Maturity dateInsurance coverage termination date
April 1, 2024
March 31, 2025
March 31, 2028▼

Mutual Insurance period(premium payment period)
One year *1▼

Subsequently, the policy is renewed eachyear until either*1 If the effective date is not the 1st of the month, the Maturity date will fall on the last
day of the month to which the effective corresponding date (the date one year after theeffective date) belongs (e.g., if the effective date is April 6, the Maturity date will be
April 30 of the following year).
*2 The premium payment route may be either bank transfer, cash, payment slip or credit
card. However, this will depend on the handling method used by the university co-op ofwhich you are a member.
*For details on premiums and insurance coverage, refer to the Coverage Tables . Please
read the Note of Confirmation of Contract Intent regarding the necessary procedure
at the time of expiration of the term of contract, the maturity refund, and the cancellation refund.
②保障期間等・ 共済期間は１年ですが、解約等のお申し出がない限り、学生の期間（最長満35歳の満期日まで）は自動的に契約を更新します。
・ 卒業や退学等で学生でなくなった場合は、共済期間の途中であっても、学生でなくなった日（卒業の場合は申告いただいた卒業予定年月の末日、退学の場合は退学日）をもって契約は解約となります。
・共済期間の途中で契約を解約する際、未経過掛金がある場合は、契約解約（保障終了）時に掛金振替口座に返金します。
【2024年4月1日発効契約の例（卒業予定年月：2028年3月）】
発効日
満期日保障終了日
2024年4月1日
2025年3月31日
2028年3月31日▼▼▼
共済期間（掛金払込期間） 以後１年ごとに契約を更新し、最長で１年＊1①学生でなくなった日②満35歳となった日以後初めての満期日
掛金払込方法：年払＊2のいずれか早い日まで継続できます。
掛金払込経路：口座振替＊1発効日が月の１日でない場合は、発効応当日（発効日の１年後にあたる日）の属する月の末日が満期日となります（例：発効日が４月６日の場
合、満期日は翌年の４月30日）。
＊2掛金の払込経路は、口座振替、現金払、払込票払またはクレジットカー
ド払のいずれかとなります。ただし、ご加入の大学生協が取り扱う方法に限ります。
※掛金額、保障内容については 保障表 、満期時の手続き、満期金、解約返戻金等については 契約意向確認書 をご覧ください。

(3) Scope of Policyholder or Insured
The scope of persons who may become policyholders or insured persons is as described
below.
University co-op members, or persons of the same household as
Policyholders
university co-op members
Persons to whom all of the following, a), b) and c), apply on theeffective date.
a) a person who is a student
Insured persons b) a person who is the policyholder, the spouse of the policyholder, or a
relation within two degrees of kinship (child, parent, grandchild, grandparent, sibling) currently living with the policyholder or its spousec) a person who is 34 years of age or younger④加入限度
１人の被共済者につき、1契約のみ加入できます。
※（発効時年齢が満14歳以下の方のみ）学生総合共済と他のＣＯ･ＯＰ共済の契約を合わせて、死亡共済金（事故死亡共済金を含みます）1,000万円まで加入できます。

(5) Rebates
If there is surplus remaining after the settlement of accounts, rebates are allocated andpaid out according to the methods specified in the Mutual Insurance Detailed Procedures(such as transfer to the member’s share capital of the co-op of which you are a member).
*Transfer to share capital means that the surplus is allocated to the share capital of yourco-op. Share capital is paid back to the students upon graduation (or leaving university).
⑤割戻金	 決算後に剰余金が生じた場合、割戻金の割り当てを行い、共済事業細則に定める方法（ご加入の生協の組合員出資金への振り替え等）にてお支払いします。
※出資金への振り替えとは、ご加入の生協の出資金として割り当てさせていただくことです。出資金は卒業時（または退学時）にお返しします。

(6) Cancellation refunds
If, upon the cancellation, termination or lapse of a policy, premiums have been paid inwhich correspond to any unexpired Mutual Insurance periods, these will be repaid in theform of a cancellation refund. Note that cancellation refunds will not be paid with respect
to unexpired mutual insurance periods of less than one month.
⑥解約返戻金契約が解約、解除、消滅により終了した場合、未経過共済期間に対応する掛金が払い込まれているときは、解約返戻金としてお戻しします。ただし、１ヵ月に満たない未経過共済期間に対する解約返戻金はありません。

2. Mutual Insurance payment recipient(1) The Mutual Insurance payment recipient is the policyholder *3.
(2) Note that, if the policyholder and the insured are one and the same person, the recipient of
Death Mutual Insurance payment will be as follows.
1st order of priority: 1 the spouse of the policyholder 2nd and subsequent order of priority,
2 to 5 , as described below.
2 Relations living with the policyholder
3 Relations of the spouse of the policyholder living with the policyholder
4 Relations not living with the policyholder
5 Relations of the spouse of the policyholder not living with the policyholder*The scope and order of priority of relations is child → parent → grandchild → grandparent→ sibling.
(3) Irrespective of (1) and (2), above, the policyholder may designate or change the Death
Mutual Insurance payment recipient(s) in advance.
*3 In a situation in which the wishes of the policyholder cannot be confirmed, the designatedproxy who will carry out the Mutual Insurance claims filing procedures on the policyholder’s behalf may be designated or changed in advance.
２．
共済金の受取人① 共済金の受取人は契約者＊3です。
② ただし、契約者と被共済者が同一人である場合の死亡共済金の受取人は次のとおりです。
第１順位： １ 契約者の配偶者 第２順位以下：次の 2 ～ 5 の順

契約者と同居している
同居していない

2 契約者の親族
3 契約者の配偶者の親族
4 契約者の親族
5 契約者の配偶者の親族※親族の範囲および順位は「子→父母→孫→祖父母→兄弟姉妹」です。
③ 上記の①②に関わらず、契約者は死亡共済金の受取人を事前に指定または変更することができます。
＊3 契約者の意思が確認できない状態となったときに共済金の請求手続きを代理で行う指定代理請求人を、事前に指定または変更することができます。
Ⅱ Information Requiring Attention

Included are matters such as things that are unadvisable that we would particularly like you to take note of at the time of the contract.
1. Policy application withdrawal (cooling off)
In the case of a new application, the application may be withdrawn by written notification orelectromagnetic record up to ten working days from the application date.
*With regard to electromagnetic record, please submit your request through the reception
form in the web site
Ⅱ 注意喚起情報

ご契約に際し、特にご注意いただきたい事項や不利益になる事項を記載
しています。
１．契約申込の撤回（クーリングオフ）
新規の申し込みの場合、申込日から10営業日以内であれば、書面または電磁的記録により申し込みを撤回できます。
※電磁的記録による場合は、ホームページの受付フォームよりお申し出ください。

2. Duty to declare state of health, etc.
The policyholder and the insured have a duty to correctly declare their state of health,etc. (duty to declare). The questions that are asked in the subscription application
forms, etc., are important information that we need in order to decide whether to underwrite your insurance policy, so please declare the facts correctly. If you fail to declare the facts, or make declarations that are different from the actual facts, your policy may be terminated on the grounds of violation of the duty to declare, and it may not
be possible to make Mutual Insurance payments to you. Please be aware that, even if
you have reported something verbally to a Mutual Insurance agent, this does count as
having made a declaration.
２．健康状態等の告知義務
契約者や被共済者には、健康状態等について正しく告知していただく義務（告知義務）があります。加入申込書等でおたずねする事項は、契約のお引受けを決めるための重要な事項ですので、事実を正確に告知してください。事実を告知しなかったり、事実と違うことを告知した場合、告知義務違反により契約を解除し、共済金をお支払いしないことがあります。共済募集人に口頭で伝えても告知したことにはなりませんのでご注意ください。

3. Policy contract establishment and effective date, and the start of insurance coverage
Once CO・OP Kyosai has reviewed and accepted the application and the first premium has
been transferred, the policy contract is considered to have been established on the effectivedate.
The policy’s effective date and the start of insurance cover may be different, according to thetype of application.
The policy will become effective from 0:00 midnight on the day
after the application date or the day the insured becomes a student,
1 whichever is the later, and insurance coverage will begin from the
New applications*effective date. (If you are applying for a change, the contract before
the change will expire on the day before the date the contract
becomes valid.)
Renewed applica- The policy will become effective from 0:00 midnight on the day after
tions (where the the cancellation date of the pre-renewal policy (the date on which
details of insurance the first premium payment of the renewed policy is received is taken
coverage have been as the policy cancellation date), and insurance cover will begin fromthe effective date.
changed)*1 In the case of new applications, if the first premium payment is not received within threemonths of the application date, the application will be disregarded.
* With the approval of the policyholder, an arbitrary date after the day following the application date may be set as the effective date.
３．契約の成立と発効および保障の開始
当会が契約の申し込みを審査・承諾し、初回掛金が振り替えられた場合、契約

12

は発効日に成立したものとみなします。

契約の発効および保障の開始は、申し込みの種類ごとに次のとおりです。
申込日の翌日または学生に該当した日のいずれか遅い
新規の申し込み＊1

日の午前０時に契約が発効し、発効日から保障が開始します（移行の申し込みの場合、移行前の契約は発効日の前日で終了となります）。
更改前契約の解約日（更改後契約の初回掛金の払込
更改（保障内容等の変更）日を解約日とします）の翌日午前０時に契約が発効し、の申し込み発効日から保障が開始します。
＊1 新規の申し込みについて、申込日から３ヵ月以内に初回掛金が払い込まれない場合、契約の申し込みはなかったものとして取り扱います。

※契約者の了承を得て、申込日の翌日以降の任意の日を発効日とする場合があります。

4. Grace period for payment of premiums for extended policies (2nd and subsequent
years)
Installments will be transferred from the designated account at the financial institution on
the transfer date you have been notified of by the Cooperative.
Premiums for extended policies should be paid in by the day before the policy extension date.
If it is not convenient for you to pay in the premium by the day before the policy extension
date, a three-month grace period for payment can be arranged.
If payment is not received within the grace period, the policy will lapse.
4．更新契約（２年目以降）の掛金の払込猶予期間

掛金は、生協がお知らせした振替日に、ご指定の金融機関口座から振り替えます。

更新契約の掛金は、契約の更新日の前日までに払い込んでください。更新日の前日までに払い込みのご都合がつかない場合のために、３ヵ月の払込猶予
期間を設けています。

払込猶予期間中に払い込みがない場合、契約は失効します。

5. Main cases in which Mutual Insurance payments cannot be madeIn the following kinds of situations, Mutual Insurance payments will not be made.
•No applicable circumstances
		For hospitalization and outpatient treatment that do not apply to the definitions of “hospitalization” and “outpatient treatment” as provided for in the Mutual Insurance Rules andDetailed Procedures, surgery that is not paid for based on the Mutual Insurance Rules andRegulations, outpatient treatment not caused by an unforeseen accident (a sudden or freak
accident), outpatient treatment after recovery that does not impede normal everyday life orwork, etc.
•Invalid policy
		On the effective date (extension date), the policyholder or the insured is outside the scopeof the policy, or is contracted to multiple Student Comprehensive Mutual Insurance policies(only the policy with the earliest effective date will be valid, and the others will lapse).
•Policy terminated due to violation of duty to declare
		The policy has been terminated because the declared information is different from thefacts, and the duty to declare has been violated.
•Policy terminated due to the following major reasons
		A Mutual Insurance payment cause has been instigated deliberately/ fraud has been committed when filing a claim for Mutual Insurance payment/ through the duplication of other
Kyosai or insurance policies, the total insurance taken out on the insured is excessively
high, so that the situation is possibly in violation of the aims of the Kyosai system/ the policyholder, the insured or the recipient of Mutual Insurance payments has connections to organized crime groups or is recognized as being some other form of anti-social force/ thepolicyholder, the insured or the recipient of Mutual Insurance payments has damaged thecredibility of CO・OP Kyosai, or it has become difficult to continue the policy due to someother serious reason etc.
•The policy has lapsed
		The policy has lapsed due to premiums not having been paid in.
•The policy has been terminated		The policy has been terminated due to acts of fraud or intimidation having been committed
in the policy application.
•Any of the following major exemptions applies

13

If for reason of mutual aid occurring within one year from the date that a new contract
becomes valid, for an illness contracted on or before the date that the new contract
becomes valid or for an injury incurred on or before that date
The willful intent or gross negligence of the policyholder, the insured or the recipient of
Mutual Insurance payments/ criminal acts carried out by the insured/ driving without avalid license or under the influence of alcohol/ mental illness or drunkenness/ drug
dependency/ whiplash injury, lumbar or back pain, where there are no objective medical symptoms/ a claim for Mutual Insurance payment due to an accident that has beencaused by the insured’s illness/ the insured’s having performed public duties (military
service, etc.) in the service of a country of which they hold nationality/ illegal drugs
5．共済金をお支払いしない主な場合
次のような場合など、共済金をお支払いしないことがあります。
● 共済事由に該当しない場合
共済事業細則に定める「入院」「通院」の定義にあたらない入院及び通院や、共済事業規約に定める支払対象手術に該当しない手術、不慮の事故（急激かつ偶然な外因による事故）によらない通院、平常の生活または業務に支障のない程度に治癒したとき以後の通院などの場合● 契約が無効となった場合発効日（更新日）において契約者または被共済者の範囲外であった場合や、
学生総合共済を複数契約していた場合（発効日の最も早い契約を残し他の契約は無効となります）●告知義務違反により契約が解除となった場合告知された内容が事実と相違し、告知義務違反により契約が解除となった場合●次のような重大事由により契約が解除となった場合
故意に共済事由を発生させた場合／共済金請求の際に詐欺を行った場合／他の共済、保険等との重複により、被共済者にかかる共済金等の合計額が著しく過大であり、共済制度の目的に反する状態がもたらされるおそれがある場合／契約者、被共済者または共済金受取人が、暴力団関係者その他の反社会的勢力に該当すると認められる場合／契約者、被共済者または共済金受取人が、コープ共済連の信頼を損ない、この契約の存続を困難とす
る重大な事由がある場合 等●契約が失効した場合
掛金の払い込みがなされず契約が失効した場合●契約が取消しとなった場合契約の申し込みにあたり、詐欺または強迫の行為があり、契約が取消しとなった場合●次のような主な免責事由に該当した場合新規契約の発効日の前日以前に罹患していた病気または受傷していた
ケガを原因として、新規契約の発効日から1年以内に発生した共済事由の場合契約者、被共済者または共済金受取人の故意または重大な過失／被共済者による犯罪行為／無資格運転または酒気帯び運転／精神障害または泥酔／薬物依存／他覚症状のないむちうち症･腰痛･背痛／被共済者の病気に起因して生じた事故による共済事由の場合／被共済者が国籍を有する国の公的業務（兵役等）にともなう原因による場合／違法薬物による場合

6. Policy cancellation and cancellation refund
The policyholder may cancel the policy towards the future at any time. Also, should the insured cease to be a student, due to have graduated or having discontinued their studies, thepolicy will be cancelled from the date on which they cease to be a student (in the case of
graduation, on the last day of the declared scheduled month of graduation, and in the case of
discontinuation, the date of discontinuation). If there is any cancellation refund payable, thiswill be refunded.
6．解約と解約返戻金
契約者はいつでも将来に向かって契約を解約できます。また、卒業や退学等で学生でなくなった場合、学生でなくなった日（卒業の場合は申告いただいた卒業予定年月の末日、退学の場合は退学日）をもって、契約は解約となります。
解約返戻金がある場合は、解約返戻金をお戻しします。

7. Automatic policy extension
The Mutual Insurance period is one year, and if the insured is still a student on the day following the maturity date (extension date) and aged 34 years of age or younger, and in the absence of any particular notification to the contrary, the policy will be automatically extended.
In addition, note that the policy details shall be those given in the Student Comprehensive
Mutual Insurance Rules and Detailed Procedures on the extension date (extension may cause
the policy content to undergo changes).
7．契約の自動更新
共済期間は１年ですが、満期日の翌日（更新日）において被共済者が学生かつ満34歳以下であり、特にお申し出がない場合は、自動的に契約を更新します。

なお、更新日における学生総合共済事業規約・細則が契約内容となります（更新により契約内容が変更となる場合があります）。

8. Other important notes(1) In order to ensure that you can be contacted with any important information, be sure to
inform your university co-op if there are any changes in the policyholder’s address or thecontact designated by the policyholder (addresses of benefactors or parents).
(2) If the co-op member and the policyholder or the insured come to have separate livelihoods, due to marriage or independent living for some other reason, procedures need to
be followed so that the policy may continue in force.
(3) If renewal of the policy is deemed inappropriate, the policy will not be extended.
(4) If the policy has been cancelled or terminated, premiums already paid-in will not be refunded.
(5) If the policy is amended during hospitalization or outpatient treatment and the Mutual Insurance amount changed, for any periods of hospitalization or outpatient treatment occurring after the amendment, the lower amount of the pre-amendment policy and the post
amendment policy shall be paid as Mutual Insurance payment.
(6) Even if the subscribed course or the subscribed product is amended, the payment limit for
the number of days per single hospitalization or outpatient treatment shall be totaled
from the number of days of hospitalization or outpatient treatment under the pre-amendment policy.
(7) If you have become out of the scope of the insured person due to having graduated or discontinued your studies, be sure to inform your university co-op.
8．その他ご注意いただきたいこと① 重要なご案内ができないおそれがありますので、契約者住所または契約者が指定する送付先（扶養者または親の住所）の変更がある場合は、必ずご加入の大学生協にご連絡ください。
② 結婚や独立等により、組合員と契約者または被共済者が別生計となる場
合、契約継続のためには手続きが必要となります。
③ 契約の更新が不適当と認められる場合、契約は更新できません。
④契約が解除または取消しとなった場合、すでに払い込まれた掛金は返還しません。
⑤入院･通院期間中に契約を変更し、共済金額に増減がある場合、変更後の入院･通院期間については、変更前と変更後のいずれか少ない共済金額でお支払いします。
⑥加入コースまたは加入商品を変更した場合でも、１回の入院・通院の支払限度日数は、変更前の契約における入院・通院の日数を通算します。
⑦卒業や退学等により被共済者の範囲外となる場合は、必ずご加入の大学生協にご連絡ください。

The handling of personal information[Purpose of use]
The personal information you have provide is used for the following purposes.
(1) The underwriting, maintenance and management of various Mutual Insurance policies
and the payment of Mutual Insurance money(2) The provision of information on CO・OP Kyosai products and services(3) The operation of the Mutual Insurance business, utilized business, store-based business,delivery business and welfare business of the co-op you have joined, as well as information on, and the provision of a range of products, services related to these(4) Initiative to improve the quality of our business(5) The provision of information on group insurance of which CO・OP Kyosai is a policyholder,and guidance on subscription procedures(6) Research, promotion and guidance regarding mutual aid-related business pertaining to
the everyday life of co-op members, or regarding plans to improve everyday life andculture(7) Mutual Insurance and Insurance businesses involved with CO・OP Kyosai, the survey andevent information related to the businesses or services of co-operatives.
(8) The provision of information on the businesses operated by other joint users and theirproducts and services(9) Advertisement regarding various mutual aid products and services based on analysis of
information about the personal information which was entered into our website, browsing history and access situation, in accordance with the interests of site users. Improvement of CO・OP Kyosai website services, etc.
(10) Other uses to facilitate the proper and smooth execution of duties and transactions related to or incidental to the above[Provision of information to third parties]
In addition to the cases stipulated in the Personal Information Protection Law, personal data
may be provided to third parties in the following cases where the individual has given theirconsent.
(1) Where personal data are to be provided to a reinsurance company for the purposes of reinsurance(2) In case we provide membership status to CO・OP Kyosai or mutual insurance payment in-formation that we own, to a university to which the subscriber belongs, through a university co-op, for the purpose of supporting student life(3)When we receive an inquiry about a mutual aid contract from the following relatives, etc.
and provide the information in order to reply to the inquiry•Spouse or relative up to the second degree of kinship living with the contractor•The insured or their spouse•The person registered as the designated mailing address for the Student Comprehensive
Mutual Insurance or their spouse[Joint use]
CO・OP Kyosai will share personal data with our member co-ops, the subsidiaries, the federation to which those co-ops belong, and the subsidiaries and affiliates of those organizations.
個人情報の取り扱いについて<利用目的>
皆様からご提供いただいた個人情報を以下の目的で利用させていただきます。
① 各種共済契約のお引き受け、維持管理、共済金のお支払② CO·OP共済商品・サービスのご案内・提供③ ご加入の生協の共済事業、利用事業、店舗事業、宅配事業、福祉事業等の運営や商品、サービスのご案内・提供④ 業務品質向上のための取組み⑤ 弊会が契約者となる団体保険のご案内や契約手続き⑥ 会員生協の構成員である組合員の生活の共済を図る事業、生活の改薔および文化の向上を図る企画などについての調査、推進、ご案内など⑦		弊会が関係する共済・保険事業、生活協同組合の事業・サー ビスに関する調査、イベントのご案内など⑧ その他共同利用者が実施する事業の運営や各種商品、各種サー ビスのご案内・提供
⑨ 弊会ウェブサイトに入力いただいた個人情報や、ウェブサイトの閲覧履歴やアクセス状況の情報等の分析に基づく、サイト利用者の関心に応じた各種共済商品・サービスに関する広告等および弊会ウェブサイトのサー ビス 改
善等
⑩その他、上記に関連・付随する業務、並びにお取引等を適切かつ円滑に霞行するための業務<第三者への提供＞
個人情報保護法に定める場合に加えて、ご本人が同意されている次の場合に個人データを第三者に提供することがあります。
① 再保険のために再保険会社に提供する場合② 学生生活の支援のために、加入者が所属する大学に、弊会が保有する
CO·OP共済等の加入状況・共済金の支払い状況等を大学生協を経由して提供する場合③		次の親族等から共済契約の照会を受け回答のために提供する場合
・契約者の配偶者または同居の2親等以内の親族・被共済者またはその配偶者
・学生総合共済の指定送付先として登録された方またはその配偶者＜共同利用>
弊会の会員生協および子会社、その生協が所属する連合会、それらの団体の子会社・関連会社等と、個人データを共同利用することがあります。

For more information, please visit the CO・OP Kyosai website.
Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation
https://coopkyosai.coop/
詳細は弊会のホームページをご覧ください。
日本コープ共済生活協同組合連合会
https://coopkyosai.coop/

When leaving Japan
If the contractor has no plan to return to Japan, you may not renew a contract.
離日時の取り扱いについて
契約者が日本に戻る予定がない場合については、契約の更新はできません。

[NOTICE]If you are a member of a regional co-op in Japan, please fill in the “Statusof regional co-op membership in Japan” column in the application form.
https://coopkyosai.coop/about/kyosairen/map/
Language: Japanese［ご注意］
日本の地域の生協（コープ）に加入している場合は、加入申込書の「地域生協（コープ）加入状況」欄にご記入ください。
https://coopkyosai.coop/about/kyosairen/map/
記載言語：日本語

14Insurance
Explanation of Important Matters PersonalforLiability
Students

重要事項説明書

学生賠償責任保険

The term “保障” that appears in the Personal Liability Insurance for Students“Explanation of Important Matters” and“Summary of the Coverage” appears
as “補償” in the policy. In this pamphlet, for the purposes of convenience, “保障” is used.

(1) Structure of the productThis insurance is paid when the insured (the person subject to compensation) is injured in an accident, or is held legally liable to pay compensation for damages. Further, persons who may subscribe as insured
persons, and the scope of insured, are as follows.

学生賠償責任保険の「重要事項説明書」「制度のあらまし」にある「保障」は、約款上の表記は「補償」です。このパンフレットでは便宜上「保障」としています。

（1）商品の仕組み
この保険は、被保険者（補償の対象者）が事故によりケガをされた場合や被保険者が法律上の損害賠償責任を負われた場合等に保険金をお支払いします。なお、被保険者としてご加入いただける方および被保険者の範囲は次のとおりとなります。

■Explanation of Important Matters■重要事項のご説明

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

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

terms and conditions•This insurance is a group contract under which the Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation is the policyholder. If
the insured is to bear the cost of the insurance premiums, the insurance
policyholder should collect the premiums and pay these to the underwriting insurance company. Further, if the insurance policyholder does
not pay the insurance premiums to the underwriting insurance company,
the insurance policy will be cancelled and insurance may not be paid out.
Also, if the insurance policyholder or the insured cancels the subscription,
the underwriting insurance company will refund the insurance premiums
to the insurance policyholder.

1 商品の仕組みおよび引受条件等●この保険は日本コープ共済生活協同組合連合会が保険契約者となる団体契約です。被保険者が保険料を負担される場合、保険契約者が保険料をとりまとめのうえ引受保険会社に払い込みます。なお、保険契約者が引受保
険会社に保険料を払い込まなかった場合には、保険契約が解除され保険金が支払われないことがあります。また、保険契約者または被保険者がご加入の取消等をされた場合、引受保険会社は返還保険料を保険契約者に返還します。

15

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

The scheme is limited to persons who aremembers of those university co-operatives
which belong to Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation, and
who will be the age of less than 23 years old, or
who will be students of a following educational
Persons who can subscribe institution as stipulated in the School Education Act (including those who have completed
as insured
enrollment procedures and become co-operative members), on the expiration date of the
被保険者としてinsurance period. (*1)
ご加入いただける方
日本コープ共済生活協同組合連合会の会員である大学生協の組合員であり、保険期間の末日において満23歳未満の方または学校教育法に定める下欄学校の学生（入学等手続を終え、組合員と（＊1）
なられた方を含みます｡）に限ります。
(1) Universities (2) Graduate schools (3) Junior colleges (4) High schools (including lattercourse of secondary schools) (5) Technical colleges (6) Special needs schools (7) Vocational
schools (specialist courses, higher education
courses, general courses) (8) Other types ofschools (9) Professional and Vocational Universities (10) Professional Junior Colleges
Eligible institutions, as stip- Note that, in the case of (7) and (8), eligibility isulated by the School Educa- restricted to those who have completed comtion Act
pulsory education as stipulated in the Basic
Act on Education, or their equivalents.
対象となる学校教育法①大学②大学院③短期大学④高等学校（中等教に定める学校育学校の後期課程を含む）⑤高等専門学校⑥特別支援学校⑦専修学校（専門課程、高等課程、一般課程）⑧各種学校⑨専門職大学⑩専門職短期大学
ただし⑦、⑧については教育基本法に定める義
務教育を修了した方およびこれに相当する方に限ります。
The person named as the insured on the
Other thanapplication form (the student)
those listed
below (*2)
加入申込書の被保険者氏名の欄に記載の方
下記以外（＊2） （本人）

The student. Further, where the student isa person without capacity to assume liability, a person with parental authority, other
Scope ofstatutory supervisor or person responsible
insuredDaily life per- for supervising the person incapable of resonal liability sponsibility on behalf of the statutory super被保険者
insurance pay- visor (limited to a blood relative within sixの範囲
degrees, a spouse or an in-law within threement
degrees) will be considered the insured.
日常生活個人
本人。なお、本人が責任無能力者である場合
賠償責任保険は、親権者・法定監督義務者・監督義務者に金
代わって責任無能力者を監督する方（責任無能力者の6親等内の血族、配偶者および3親等内の姻族に限ります。）を被保険者とします。

Insurance payment for condolence gifts toinjured parties

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

傷害見舞費用 本人ならびに本人の親権者およびその他の法定の監督義務者を被保険者とします。
保険金This includes the leaseholder of the rented
housing in addition to the student when theleaseholder is other than the insured.
Further, where these are persons without
capacity to assume liability, a person withparental authority, other statutory supervisor or person responsible for supervising
the person incapable of responsibility on
behalf of the statutory supervisor (limited to
Scope ofa blood relative within six degrees, a spouse
Tenant Liability or an in-law within three degrees) will be
insuredInsurance pay- deemed as the insured. Note, however, that
this is limited to accidents involving said
被保険者 ment
person without capacity to assume responの範囲
借家人賠償責 sibility.
任保険金
借用住宅の賃借名義人が本人以外の場合は、本人に加えてその賃借名義人を含みます。
なお、これらの方が責任無能力者である場合
は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保険者とします。ただし、その責任無能力者に関する事故に限ります。
Rented hous- The insured. If the named renter of theing repair cost housing is not the insured, the named renter
insurance pay- is included in addition to the insured.
ment
本人。借用住宅の賃借名義人が本人以外の借用住宅修理 場合は、本人に加えてその賃借名義人を含み
ます。
費用保険金
(*1)1. Students enrolled at universities established as educational facilities by government ministries, the National Tax College, the Civil
Aviation College, the Local Autonomy College, the National Defense Academy, etc., are not eligible.
2. “Those who have completed admission procedures”, means persons who have presented all the documents required for admission to their educational establishment, have paid the admission
fee and any other required fees, and have completed all procedures prescribed by their educational establishment.
3. Students or pupils commuting from their own homes are not eligible for setting of special clause for compensation for tenant liability (all risk), special clause for compensation for rented housing
repair cost (for university students etc.) or special clause for compensation for private property for daily life in housing (for university
students etc.).
(*2) In the case of Rescuers’ Expenses Insurance, the rescued party.
(＊1)１.各省庁が教育施設として設置している税務大学校・航空大学校・自治大学校・防衛大学校等の各種大学校に在籍する学生・生徒の方は対象となりません。
２.入 学等手続を終えた方とは、入学に必要な書類を学校に提出のう
え、入学金およびその他の費用を納入し、学校の定める所定の手続を完了した方をいいます。
３.自宅から通学している学生・生徒の方は、借家人賠償責任補償(オールリスク)特約、借用住宅修理費用補償（大学生等用）特約および住宅内
生活用動産補償（大学生等用）特約をセットすることはできません。
(＊2)救援者費用等保険金については、救援対象者をいいます。
(2) Contents of coverage.
Cases in which insurance will be paid are as described in the pamphlet.
The details are as per the common policy terms and conditions andspecial clauses.
① Cases in which insurance will be paid (payment reasons) and payment
amounts
Refer to the pamphlet.
② Main cases in which insurance payment will not be paid (main exemptions)
Refer to the pamphlet. Details are given in the item “Main cases inwhich insurance payment will not be paid” in the common policy terms
and conditions and special clauses.

（2）補償内容
保険金をお支払いする場合はパンフレットのとおりです。
詳細は普通保険約款・特約に基づきます。
①保険金をお支払いする場合（支払事由）と保険金のお支払額
パンフレットをご参照ください。
②保険金をお支払いしない主な場合（主な免責事由）
パンフレットをご参照ください。なお、詳細は普通保険約款・特約の「保険金を支払わない場合」の項目に記載されております。
(3) Main special clauses that can be set, and overview of their contents
Refer to the pamphlet. The details of special clauses are as per thecommon policy terms and conditions, and special clauses.
（3）セットできる主な特約およびその概要
パンフレットをご参照ください。特約の内容の詳細は普通保険約款・特約に基づきます。
(4) Insurance period
The period of this insurance is one year. To check the period of theinsurance you will actually subscribe to, refer to the insurance starting
date and termination date given in the application form.
（4）保険期間
この保険の保険期間は、1年間です。お客さまが実際にご加入いただく保険期間については、加入申込書の保障開始日と保障満了日にてご確認く
ださい。
(5) Policy continuation
If no request to cease continuation of the policy, or a request to alter
the subscription details, is received by two months before the day after
the termination date of the period of insurance (hereinafter referred toas “the Continuation Date”), this will be deemed as an application tocontinue to the “terminating policy” with the same type, and the policy
will be continued until the scheduled date of graduation.
（5）契約の継続
共済期間・保険期間の満了日の翌日（以下「継続日」といいます。）の前々月までに契約の継続停止やご加入内容の変更を申し出ない限り、「満了する契約」と同一タイプの継続契約の申込みがあったとみなし、卒業予定年まで契約の継続が行われます。
(6) Underwriting terms and conditions●Please refer to the pamphlet.
●For details on professional occupations and duties that fall within or
outside of the scope of underwriting of your insurance policy, pleaserefer to “Information Requiring Attention” “2, (2) Obligation to notify,
etc. (matters requiring to be noticed after your subscription)” “Occupations within the scope of underwriting for your insurance” and“Occupations outside the scope of underwriting for your insurance”●Please be aware of the following points regarding the amount of
insurance that you subscribe. With regard to the actual insurance
amounts of your insurance, please check the insurance amount columns in the pamphlet, as well as the application form and the common policy terms and conditions and special clauses, etc.
• Please choose a level of insurance amount that is appropriate to
the age and annual salary of the insured (the person compensated by the insurance). Please understand that there may be cases
where the insurance amount or subscription terms and conditions,etc., cannot be accepted.
• Please determine the insurance amount with a public insurance
system such as the High-Cost Medical Expense Benefit in mind.
For a summary of public insurance systems, please visit the website of the Financial Services Agency at https://www.fsa.go.jp/ordinary/insurance-portal.html.
（6）引受条件●パンフレットをご参照ください。
●ご契約の引受範囲および引受範囲外の職業・職務につきましては、【注意
喚起情報のご説明】の「2．
（２）通知義務等（ご加入後にご連絡いただく事項）」＜ご契約の引受範囲＞＜ご契約の引受範囲外＞をご参照ください。
●ご加入いただく保険金額につきましては、次の点にご注意ください。お客さまが実際にご加入いただく保険金額につきましては、パンフレットの保険金額欄および加入申込書、普通保険約款・特約等にてご確認ください。
•保 険金額は被保険者（補償の対象者）の方の年令・年収などに照らして適正な金額となるように設定してください。場合により、お引受けできない保険金額・ご加入条件等もありますのであらかじめご承知おきください。
• 保険金額は、高額療養費制度等の公的保険制度を踏まえて設定してください。公的保険制度の概要につきましては、金融庁のホームペ ー ジ（https:www.fsa.go.jp/ordinary/insurance-portal.html）等 をご 確認ください。

16

2 Insurance premiums

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

2 保険料

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

3 Insurance premiums payment method

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

3 保険料の払込方法について

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

4 Maturity refund – subscribers’ dividends

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

4 満期返れい金・契約者配当金

この保険には満期返れい金・契約者配当金はありません。

5 Cancellation refunds

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

5 解約返れい金の有無

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

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

1 Cooling off (withdrawal of an application for apolicy, etc.)

This insurance is a group contract for which Japan CO-OP Insurance(Kyosai) Consumers’ Co-operative Federation is the policyholder and is,therefore, not subject to a cooling off period.

1 クーリングオフ説明書（ご契約のお申込みの撤回等）

この保険は日本コープ共済生活協同組合連合会が保険契約者となる団体契約であることからクーリングオフの対象となりません。

2 Obligation to declare – obligation to notify, etc.

(1) Obligation to declare (matters to be notified when applying for a
subscription)■The insured (the person being compensated) has the obligation to
make declaration, and the insurance agent/ operator has the rightto receive notification of said declaration. The obligation to declaremeans that all matters to be notified when applying for a subscription must be correctly notified.
■As regards matters to be declared, the underwriting insurance company requires to know any important matters relating to hazards, so
any items marked with such as a star “▲” in the application form
need to be notified. Note that, if the insured fails to declare, either
deliberately or through gross negligence, or makes a declaration thatis different from the actual facts, their policy may be cancelled and17

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

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

■In the event that the insured in the injury clause is a person otherthan the policyholder, if any of the items below applies, the insured
in the injury clause can ask the policyholder to cancel the insurance
contract (*). In such case, the policyholder must cancel the insurance
contract (*).
(1) The insured did not agree to be the insured in the injury clause of theinsurance contract (*)(2) Any of the following actions applies to the policyholder or the person who will receive the insurance payment.
• They have caused or attempted to cause an injury for the purpose of having the underwriting insurance company pay an insurance payment.
• They have committed or attempted to commit fraud in order tojustify a claim for an insurance payment.
(3) The policyholder or the recipient of insurance payment is a memberof an organized crime group, or corresponds to an anti-social force.
(4) The total of insurance amounts is significantly excessive, due toduplication with other insurance contracts, and there is a risk of asituation that runs counter to the purpose of the insurance system.
(5) A serious matter has been caused which damages the credibility of
the insured to the same degree as items (2) to (4), above, and makes

the continuation of the policy (*) difficult.
(6) There has been a significant change in circumstances under which
the insured consented to be the insured in the injury clause of thepolicy (*), such as the termination of the familial relationship between
the policyholder and the insured.
In addition, in the case of (1), above, the insured may ask the underwriting insurance company to cancel the policy. To do so, it will be necessary to submit documents that prove the identity of the insured.
(*) Insurance policy:
Limited to those portions that relate to the insured.
■For customers with multiple policies
If you have the following special clauses in a set, and if you haveanother policy or policies (including special clauses set as part of insurance policies other than Comprehensive insurance for students/
children, and insurance policies with other underwriting insurancecompanies) with the same or similar compensation coverage, thecompensation coverage may be duplicated. If the compensation
coverage is duplicated, damages may be paid in respect of a compensated accident by either/ any of the insurance companies, but
depending on the amount of damages, etc., insurance payment fromone or other of the policies may not be paid, meaning that you will
have wasted your insurance premiums. Please check the differencein compensation coverage and insurance amounts, etc. and decide
whether you really need each policy before subscribing.
Note: In the case of subscription to only one contract, compensation
may be lost in cases such as when the insured no longer qualifies as the insured, due to cancellation of the policy, or as aresult of a change in their family circumstances (changes suchas going from living together to living separately).
Main special clauses that may overlap
This insurance

Examples of possible overlap withother insurance contracts

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

Automobile insurance
Special clause for liability in daily life

Comprehensive insurance forstudents/children
Special clause (for university studentsetc.) for compensation for private
property for daily life in housing

Fire insurance
Household goods compensation clause

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

下記以外の職業

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

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

学生・こども総合保険
日常生活個人賠償責任補償特約

自動車保険
日常生活賠償特約

学生・こども総合保険
住宅内生活用動産補償（大学生等用）特約

火災保険
家財補償条項

3 Start of the coverage
In the event that a newly enrolled student has applied to subscribe(and has paid the insurance premium) by March 31, 2024, coverage
will begin at 0:00 midnight on April 1, 2024. In the event of a mid-term
subscription, the coverage will begin from 0:00 midnight of the day
following the day the insurance premium was paid. In the case of renewed subscription, the coverage will begin from 4 p.m. on April 1,

18

2024. The insurance premium should be paid using the methods stipulated in the pamphlet. In the event that the premium is not paid using
the method stipulated in the pamphlet, insurance payment will not be
paid, even if the insurance period has begun.

3 保障の開始時期

新入学生の方が2024年3月31日までに加入申込み（保険料払込み）された場合は、2024年4月1日午前0時から、また中途加入される場合、保険料払込日の翌日午前0時からとなります。継続加入の場合は、2024年4月
1日午後4時からとなります。保険料は、パンフレット等記載の方法により払込みください。パンフレット等記載の方法により保険料を払込みいただ
けない場合には、保険期間が始まった後であっても、保険金をお支払いしません。

4 Main cases in which insurance payment will not

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

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

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

5 保険料の払込猶予期間等の取扱い

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

6 Invalidation (Comprehensive Insurance for Stu-

dents/Children only)

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

19

6 失効について（学生・こども総合保険のみ）

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

7 Cancellation and cancellation refund payment
In the event that you wish to cancel your policy before the period expires, please inform the insurance agent/ operator or the underwriting
insurance company.
•A cancellation refund for the period from the date of cancellation until
the expiration date will be paid. Note, however, that any cancellation
refund payment shall be, in principle, less than the premium for
Unexpired period
the unexpired period.
•It is possible that additional
Starting
Cancellation
Expirycharges will be levied for indate
date
date
surance premiums that shouldbe paid according to the period from the date on which theperiod commenced to the withPeriod of insurance
drawal (cancellation) date.

7 解約と解約返れい金

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

8 In the event of bankruptcy of the insurancecompany

Protection of policyholders in the event of bankruptcy•It is possible that, due to a change in the business or financial circumstances of the insurance company, such as in the event that theunderwriting insurance company has gone bankrupt, insurance payments and cancellation refunds that were promised at the time of subscription may be frozen for a certain period, or the amounts may be
reduced.
•Non-life Insurance Policyholders Protection Corporation exists for the
purpose of protecting insurance policyholders in the event of the bankruptcy of a non-life insurance company. The underwriting insurancecompany is also a member of this Corporation. The insurance is compensated by the Non-life Insurance Policyholders Protection Corporation and, therefore, compensation will be provided as stated below,
even if the non-life insurance company goes bankrupt.
<Insurance period: Within one year>
Insurance payments and cancellation refunds will be compensated up
to 80%, provided however, that insurance payments for accidents that
occurred before the bankruptcy or within three months after the bankruptcy will be compensated 100%.
<Insurance period: More than one year but within five years>
Up to 90% of insurance payment or cancellation refund is compensated. However, 100% of insurance payment is compensated for an
accident that occurred before the Insurance has run out.

8 保険会社破綻時等の取扱い＜経営破綻した場合等の保険契約者の保護について＞• 引受保険会社の経営が破綻した場合など保険会社の業務または財産の状
況の変化によって、ご加入時にお約束した保険金・解約返れい金等のお支払いが一定期間凍結されたり、金額が削減されたりすることがあります。
• 損害保険会社が経営破綻した場合に保険契約者等を保護する目的で、「損害保険契約者保護機構」があり、引受保険会社も加入しています。この保険は「損害保険契約者保護機構」の補償対象であり、損害保険会社が破綻した場合でも、次のとおり補償されます。
＜保険期間：１年以内＞
保険金、解約返れい金等は８０％まで補償されます。ただし、破綻前に発生した事故および破綻時から３か月までに発生した事故による保険金は１００％

補償されます。
＜保険期間：１年超５年以内＞
保険金、解約返れい金等は90％まで補償されます。ただし、破綻前に発生した事故による保険金は100%補償されます。

9 The handling of personal information
See p. 38.

9 個人情報の取扱いについてp.38をご参照ください。

For advice, complaints or queries to Mitsui Sumitomo Insurance,“Mitsui Sumitomo Insurance Customer desk”
0120-632-277 (toll-free)
Various services such as chat support
https://www.ms-ins.com/contact/cc/
Scan this code to access.
In the event of an accident, please contact the following without delay.
CO・OP Kyosai Center 0120-16-9431
三井住友海上へのご相談・苦情・お問合わせは「三井住友海上お客さまデスク」
0120-632-277（無料）「チャットサポートなどの各種サービス」
https://www.ms-ins.com/contact/cc/
こちらからアクセスできます。

万一、事故が起こった場合は遅滞なく、下記にご連絡ください。
コープ共済センター 0120-16-9431
Designated dispute resolution organization
The underwriting insurance company, pursuant to the Insurance Business Act, has concluded a Basic Contract for Implementation of Dispute
Resolution Procedures with The General Insurance Association of Japan, designated by the Commissioner of the Financial Services Agency
as a designated dispute resolution organization.
In the event of an issue with the underwriting insurance company thatcannot be resolved, you may contact The General Insurance Association of Japan for advice, or file an appeal for resolution.
The General Insurance Association of Japan Sompo ADR Center
0570-022-808 (Navi-dial (Calls charged throughout Japan.))
Hours of operation: weekdays 9:15 to 17:00(No service on Saturdays, Sundays, holidays or on New Year holidays.)•Calls may also be made from mobile telephones. From IP telephones,
please call 03-4332-5241.
•Please be careful to avoid dialing the wrong number.
For details, see the website of The General Insurance Association of Japan.
https://www.sonpo.or.jp/about/efforts/adr/index.html
指定紛争解決機関
引受保険会社は、保険業法に基づく金融庁長官の指定を受けた指定紛争解決機関である一般社団法人 日本損害保険協会と手続実施基本契約を締結しています。引受保険会社との間で問題を解決できない場合には、一般社団法人 日本損害保険協会にご相談いただくか、解決の申し立てを行うことができます。
一般社団法人 日本損害保険協会 そんぽADRセンター
0570-022-808〔ナビダイヤル（全国共通・通話料有料）〕
受付時間 [平日▶9：15～17：00（土日・祝日および年末年始を除きます）]•携帯電話からも利用できます。IP電話からは03-4332-5241におかけくだ
さい。
•おかけ間違いにご注意ください。
•詳細は、一般社団法人日本損害保険協会のWebサイトをご覧ください。
https://www.sonpo.or.jp/about/efforts/adr/index.html

Other Matters for Attention

その他ご注意いただきたいこと
Notification to the underwriting insurance company in the event of circumstances eligible for an insurance payment•In the event of circumstances eligible for an insurance payment, pleasecontact the insurance agent/ operator or the underwriting insurance company. They will provide you with detailed information about the proceduresfor filing an insurance payment claim. In the event that no contact is madewithin thirty days of the date of the circumstances eligible for an insurance
payment, or that known facts are not declared, or a declaration differs from

actual facts, the underwriting insurance company may deduct any damages that they have incurred, before making the insurance payment.
＜保険金をお支払いする場合に該当したときの引受保険会社へのご連絡＞●保険金をお支払いする場合に該当したときは、代理店・扱者または引受保険会社までご連絡ください。保険金請求の手続につきまして詳しくご案内いたします。なお、保険金をお支払いする場合に該当した日から３０日以内にご連絡がない場合、もしくは知っている事実を告げなかった場合、または事実と異なることを告げた場合は、引受保険会社はそれによって被った損害の額を差し引いて保険金をお支払いすることがあります。
Insurance payment execution date•Within thirty days after you have submitted the documentation (*1) necessary for claiming an insurance payment, including that day, the underwriting insurance company will complete its confirmation (*2) the mattersthat are necessary in order to make the insurance payment, and will thenmake the payment. (*3)(*1) To check the documentation necessary for claiming an insurance payment, refer to “Documentation necessary for claiming an insurance payment”. In the event that an insurance payment claim is being filed by aproxy, they shall submit documents demonstrating that the insured cannot make a claim for an insurance payment by themselves.
(*2) Refers to confirmation of whether or not there is a reason to make aninsurance payment, whether or not there is a reason to withhold insurance
payment, calculation of the insurance payment, whether or not the insurance policy is valid, and other matters that require confirmation in orderto determine the amount of insurance payment that the underwriting insurance company should pay.
(*3) In the event that it becomes necessary to reference the results of aninvestigation by a public organization such as the police, the results of
examination by a specialized organization such as a medical institution,
investigate an affected area to which the Disaster Relief Act applies, or
conduct an investigation outside Japan, in order to confirm necessary
matters, the insurance payment will be made by number of days stipulated in the common policy terms and conditions and special clauses. In thiscase, the underwriting insurance company will notify the insured or therecipient of insurance payment of the matters that require confirmation
and by when such confirmation will be completed.
＜保険金支払いの履行期＞●引受保険会社は、保険金請求に必要な書類（＊１）をご提出いただいてからその日を含めて３０日以内に、保険金をお支払いするために必要な事項の確（＊３）
認（＊２）を終えて保険金をお支払いします。
（＊１）保険金請求に必要な書類は、「保険金のご請求時にご提出いただく書類」
をご参照ください。代理請求人が保険金を請求される場合は、被保険者が保険金を請求できない事情を示す書類をご提出いただきます。
（＊２）保険金をお支払いする事由の有無、保険金をお支払いしない事由の有無、保険金の額の算出、保険契約の効力の有無、その他引受保険会社がお支払いすべき保険金の額の確定のために確認が必要な事項をいいます。
（＊３）必要な事項の確認を行うために、警察などの公の機関の捜査結果の照会、医療機関など専門機関の診断結果の照会、災害救助法が適用された被災地における調査、日本国外における調査等が必要な場合には、普通保険約款・特約に定める日数までに保険金をお支払いします。この場合、引受保険会社は確認が必要な事項およびその確認を終える時期を被保険者または保険金を受け取るべき方に通知します。
Documentation necessary for claiming an insurance payment•In the event that the insured or the recipient of insurance payment (including their proxies) make a claim for an insurance payment, they should
submit the documents that the underwriting insurance company requests
after receipt of notification of the accident. If anything is unclear, pleasecontact the insurance agent/ operator or the underwriting insurance company.
＜保険金のご請求時にご提出いただく書類＞●被 保険者または保険金を受け取るべき方（これらの方の代理人を含みます。）が保険金の請求を行う場合は、事故受付後に引受保険会社が求める書類をご提出いただきます。ご不明な点については、代理店・扱者または引受保険会社までお問合わせください。
Documents to be submitted
Documents that the underwriting insurance company requests fromamong those listed below:○The underwriting insurance company’s prescribed insurance payment
claim form ○The underwriting insurance company’s prescribed agreement statement ○Materials related to the cause of the accident and thestate of the damages ○Materials for confirming the validity of the insurance payment claim being made by the insured or their proxy (certificate
of residence, health insurance card (copy), etc.) ○The underwriting insurance company’s prescribed health certificate ○Declaration of the statusof examination ○An accident certificate issued by a public organization (ifunavoidable, a third party) ○A death certificate ○Documents that confirm the amounts of damage compensation payments, insurance pay-20

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

21

は、代理請求人となられる方にも必ずご説明ください。
（注）①「被保険者と同居または生計を共にする配偶者（＊）」②上記①に該当する方がいないまたは上記①に該当する方に保険金を請求できない事情がある場合「被保険者と同居または生計を共にする３親等内の親族」③上記①、②に該当する方がいないまたは上記①、②に該当する方に保険金を請求できない事情がある場合「上記①以外の配偶者（＊）」または「上記②以外の３親等内の親族」（＊）法律上の配偶者に限ります。
●This insurance policy is valid for one year. Please understand that, depending upon the kinds of insurance payment claims that have been
made, etc., it may not be possible to renew the policy, or that the detailsof the compensation cover may need to be changed.
●Your subscription content may be registered (Comprehensive Insurance
for Students/Children only). To ensure that the non-life insurance systemis operated soundly, and that insurances such as death insurance payments, disability insurance payments, hospitalization insurance payments,
out-patient insurance payments and the like are properly and reliably paidout, the policies for these insurance payments are recorded in the policy
content registration system operated by the General Insurance Association of Japan.
●The certificate of Personal Liability Insurance for Students that will besent to you after you have subscribed should be read carefully and thenkept in a safe place.
●With regard to out-of-court settlement mediation for a compensatedaccident that is compensated by the policy (special clause) for damages
incurred due to a burden of legal liability for compensation, please consult
the underwriting insurance company in advance. Please note that, in theevent that you have admitted liability for damage compensation withoutobtaining the underwriting insurance company’s approval in advance, or
have paid damages without such approval, it may become impossible topay insurance payment.
●この保険の保険期間は１年間となります。保険金請求状況等によっては、保険期間終了後、継続加入できないことや補償内容を変更させていただくことがあります。あらかじめご了承ください。
●お客さまのご加入内容が登録されることがあります。
（学生・こども総合保険のみ）損害保険制度が健全に運営され、死亡保険金、後遺障害保険金、入院保険金、通院保険金等のお支払いが正しく確実に行われるよう、これらの保険金のある保険契約について、一般社団法人日本損害保険協会が運営する契約内容登録制度への登録を実施しております。
●ご加入いただいた後にお届けする学生賠償責任保険加入者証は、内容をご確認のうえ、大切に保管してください。
●法律上の賠償責任などを負担することによって被った損害を補償する契約（特約）の対象となる賠償事故の示談交渉については、事前に引受保険会社
へご相談ください。なお、あらかじめ引受保険会社の承認を得ないで損害賠償責任を認めたり、賠償金などを支払われた場合には、保険金をお支払いできないことなどがありますのでご注意ください。
Out-of-court settlement mediation service (Comprehensive Insurance forStudents/Children only)
At the request of the insured concerning a compensated accident covered by a special clause for daily life personal liability compensation, or acompensated accident covered by a special clause for compensation fortenant liability (all risk) that has occurred in Japan, if the consent of the insured has been obtained, in principle the underwriting insurance company will undertake out-of-court settlement mediation on behalf of the insured. In addition, in the event that insurance is to be paid for acompensated accident that has occurred in Japan, the victim can also
claim an amount of damage compensation equivalent to the insurance
payment directly to the underwriting insurance company.
＜示談交渉サービス＞（学生・こども総合保険のみ）
日本国内において発生した、日常生活個人賠償責任補償特約の対象となる賠
償事故、借家人賠償責任補償（オールリスク）特約の対象となる賠償事故について被保険者のお申出があり、かつ被保険者の同意が得られれば、引受保険会社は原則として被保険者のために示談交渉をお引受いたします。また、日本国内において発生した賠償事故で保険金が支払われる場合、被害者が保険金相当の損害賠償額を引受保険会社へ直接請求することもできます。
Main cases in which out-of-court settlement mediation cannot be undertaken○Where the amount of legal damages payable by the insured for a single
accident clearly exceeds the insurance amount stipulated in the special
clause for daily life personal liability compensation, or the special clause
for tenant liability (all risk). ○Where the other party does not agree to negotiations with the underwriting insurance company ○Where, during negotiations with the other party, the insured refuses to cooperate with theunderwriting insurance company without a valid reason ○Where lawsuit
related to the claim for damage compensation has been brought in acourt outside of Japan ○In the case of a compensated accident that is

subject to facility/product liability insurance＜示談交渉を行うことができない主な場合＞○1回の事故につき、被保険者が負担する法律上の損害賠償責任の額が日常生活個
人賠償責任補償特約、借家人賠償責任補償（オールリスク）特約で定める保険金額を明らかに超える場合○相手の方が引受保険会社との交渉に同意されない場合○相手の方との交渉に際し、正当な理由なく被保険者が引受保険会社への協力を拒んだ場合○被保険者に対する損害賠償請求に関する訴訟が日本国外の裁判所に提起された場
合○施設・生産物賠償責任保険の対象となる賠償事故の場合

Items to be Checked Concerning Your Subscription
ご加入内容確認事項

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

ご加入手続きに際し、以下の事項を十分にご確認ください。

本確認事項は、万一の事故の際に安心して保険をご利用いただけるよう、ご提案いたしました保険商品がお客さまのご希望に合致した内容であること、ご加入いただくうえで特に重要な事項を正しくご記入いただいていることを確認させていただくためのものです。お手数ですが、以下の各質問項目について、再度ご確認いただきますようお願い申し上げます。なお、ご加入にあた
りご不明な点や疑問点がございましたら、パンフレット記載の代理店・扱者または引受保険会社までお問合わせください。
1. Please check the pamphlet and “Explanation of Important Matters”
to make sure that the insurance product contents meet your requirements in terms of the points listed below. In the event that yourrequirements are not fully met, please review the contents of your subscription.
Please check whether or not it is necessary for you to subscribe to thespecial clauses that are stated in “Explanation of Important Matters”, and for which it is possible that coverage could overlap.
•Case in which insurance will be paid (including the main policy and special clauses that are part of the package) •Insurance amount (monetaryamount of the policy) •Insurance period (contract period for the insurance) •Insurance premiums •Method of paying the insurance premiums
１．保険商品が以下の点でお客さまのご希望に合致した内容となっていることをパンフレット・重要事項のご説明でご確認ください。万一、ご希望に合致しない場合は、ご加入内容を再度ご検討ください。
「重要事項のご説明」に記載の、補償が重複する可能性のある特約等については、ご加入の要否をご確認ください。
•保険金のお支払事由（主契約、セットしている特約を含みます。）•保険金額（ご契約金額）•保険期間（保険のご契約期間）•保険料・保険料払込方法
2. Please check that there are no omissions or mistakes in the statements and entries in the subscription application form.
The items given below are necessary for the correct calculation of insurance premiums and the appropriate payment of insurance. Pleasecheck the contents carefully and complete the subscription application
form correctly.
If there are any omissions or mistake, please enter the additional
information or correct the mistakes.

Please check the following.

皆さまがご確認ください。

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

２．加入申込書への記載・記入の漏れ・誤りがないかご確認ください。
以下の項目は、正しい保険料の算出や適切な保険金のお支払い等に必要な項目です。内容をよくご確認いただき、加入申込書に正しくご記入いただきますようお願い申し上げます。
記載・記入の漏れ・誤りがある場合には、訂正あるいは追記をお願いいたします。

22

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

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

been payment of Disability Insurance with respect to injury※ sustained in an accident occurring within the same insurance year※ as
the insurance year in which the accident in question has occurred,
payment will be limited to the remainder due once the previous Disability Insurance payment amount has been deducted from the Disability Insurance amount. Also, the Disability Insurance payment payable in one insurance year is limited to the Disability Insurance amount.

The contents of this pamphlet are provided in English just for reference, with the Japanese version prevailing.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。
For an explanation of terms marked with ※, see “Explanation of terms marked with ※” on pp. 36-37 (Only the first instance of each column is marked with ※)※印を付した用語については、p.37の〈※印の用語のご説明〉をご覧ください。
（各欄の初出時のみ※印を付しています。）

1 Persons eligible to become applicants – subscribers (insured)

Eligibility for applicants and the insured *(who are covered by the compensation) under this scheme is limited to members of those university co-operatives
which belong to Japan CO-OP Insurance (Kyosai) Consumers’ Co-operative Federation, and who will be younger than 23 years, or who will be students ofan educational institution (university or vocational school, etc.) as stipulated in the School Education Act (including those who have completed enrollment
procedures and become co-operative members), on the expiration date of the insurance period.
*The person who is identified as the insured in the subscription application form.

Injuryinsurance
payment

Disability
insurance
payment

傷害
保険金

後遺障害
保険金

後遺障害保険金額 × 約款所定の保険金支払割合（４％～１００％）（注１）政府労災保険に準じた等級区分ごとに定められた保険金支払割合
で、後遺障害保険金をお支払いします。
（注２）被保険者が事故の発生の日からその日を含めて１８０日を超えてなお治療※を要する状態にある場合は、引受保険会社は、事故の発生の日からその日を含めて１８１日目における医師※の診断に基づき後遺障
害※の程度を認定して、後遺障害保険金をお支払いします。
（注３）同一の部位に後遺障害を加重された場合は、既にあった後遺障害に対する保険金支払割合を控除して、保険金をお支払いします。
（注４）既にお支払いした後遺障害保険金がある場合は、後遺障害保険金額から既にお支払いした後遺障害保険金の額を差し引いた額が限度となります。また、保険期間を通じてお支払いする後遺障害保険金
は、後遺障害保険金額が限度となります。
保険期間が１年を超える保険契約においては、その事故の発生した保険年度※と同一の保険年度に発生した事故によるケガ※に対して既にお支払いした後遺障害保険金がある場合は、後遺障害保険金額から既にお支払いした後遺障害保険金の額を差し引いた額が限度となります。また、それぞれの保険年度ごとにお支払いする後遺障害保
険金は、後遺障害保険金額が限度となります。

1 申込人・ご加入者（被保険者）となれる方

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

2 Insurance period

10万円

If a 2024 newly enrolled student applies to subscribe (pays the insurance premium) by March 31, 2024, the insurance period will be from 0:00 midnight on
April 1, 2024 until 4:00 p.m. on April 1, 2025. If a student purchases this insurance on or before March 31, 2024, the insurance period will be from 0:00
midnight of the day after the insurance premium is paid until 4:00 p.m. on April 1, 2024. Also, if you take out an insurance policy on or after April 2, 2024,
coverage will be from 0:00 midnight on the day after your insurance premium has been paid until 4:00 p.m. on April 1, 2025.

Note: Because there is a special clause for death insurance payment exemption in disability insurance payment, there is no death insurance payment.
（注）この後遺障害保険金には死亡保険金対象外特約がセットされているため死亡保険金はありません。

2 保険期間◆ Main cases in which insurance payment will not be paid

2024年度の新入生の方が2024年3月31日までに加入申し込み（保険料払込み）された場合は、2024年4月1日午前0時から2025年4月1日午後4時までとなります。なお、2024年3月以前に中途加入される場合、保険料払込日の翌日午前0時から2024年4月1日午後4時までとなります。また、2024年4月2日以降に中途加入される場合は、保険料払込日の翌日午前0時から2025年4月1日午後4時までとなります。

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

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

3 契約の継続

共済期間・保険期間の満了日の翌日（以下「継続日」といいます。）の前々月までに契約の継続停止やご加入内容の変更を申し出ない限り、「満了する契約」と同一タ
イプの継続契約の申込みがあったとみなし、卒業予定年まで契約の継続が行われます。なお、次年度以降のパンフレットについては、毎年継続のご案内の書面に２次元バーコードを掲載し、PDF方式にてご覧いただく提供方法とします。

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

4 保障内容（ケガによる後遺障害）◆保険金をお支払いする場合・保険金のお支払額
Type of insurance payment
保険金の種類

23¥100,000

Injuryinsurance
payment

Disability
insurance
payment

傷害
保険金

後遺障害
保険金

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

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

Disability Insurance amount × prescribed insurance payment ratio in
the policy (4% to 100%)
Note 1: Disability Insurance payment will be paid according to the insurance payment ratios stipulated for each category, in accordanceWhere a disability※ has with the government’s labor insurance scheme.
Note 2: If the insured is still in a condition requiring medical treatoccurred as a result ofment※ over 180 days from, and including, the date of the accident,
injury※ sustained in an
accident during the pe- the underwriting insurance company will pay disability insurance payriod of insurance, within ment after having confirmed the degree of severity of the disability,
180 days (including the based on the diagnosis of a physician※ on the 181st day after, andincluding, the day of the accident.
day of the accident).
Note 3: If the insured suffers an aggravation of the disability in the
保険期間中の事故による same part, insurance will be paid after the prescribed amount of insur※
ケガ のため、事故の発生 ance paid for the original disability has been deducted.
の日からその日を含めて Note 4: If Disability Insurance payment has already been paid, the180日以内に後遺障害※が payment amount in this instance will be limited to the remainder due
発生した場合once the previous Disability Insurance payment amount has been deducted from the Disability Insurance amount. Also, Disability Insurance payments made across the entire period of insurance will belimited to the Disability Insurance amount. For insurance policies
whose period of insurance exceeds one year, if there has already

Disability Insurance
amount
後遺障害保険金額（注）Injuryinsurance
payment

Disability
insurance
payment

傷害
保険金

後遺障害
保険金

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

¥100,000
10万円

24

5 Insurance cover (liability)◆Cases in which insurance will be paid
(1) Compensated accidents in daily life (including regular classes) (excluding the examples of (2), below)

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

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

Daily life personal liability
insurance payment★Special clause for daily life
personal liability compensation☆Set of special clauserelating to partial changesof special clause for daily
life personal liability compensation (for university
students etc.)☆Set of compensation
special clause (for special
clause for daily life personal
liability compensation) for
insured student only

Where there is a legal liability for damages due to any of the following, occurring within Japan or overseas.
(1) The life or limb of another person has been injured, or their property*1 has been damaged due to any of the following
accident.
a) Accidents resulting from the ownership, use or management of a residence*2.
b) Accidents occurring in the daily life of the insured.
(2) Damage, loss or theft*4 of compensation covered entrusted items*3. (Limited to items kept inside a residence*5, or
temporarily put outside of the residence and managed by the insured.)(*1) Including information stored on information systems, etc.
(*2) Refers to housing used as a residence by the student, and includes personal property and real estate within the site.
(*3) “Compensation covered entrusted items” refers to tangible items with a property value that the insured is keeping
for another (including rental operators). Note that this does not include the “Main “entrusted items” not compensated byinsurance” described elsewhere.
(*4) Payment of insurance for a reason listed under item (2), above, is limited to damage or loss incurred by the insured asa result of having liability for damages to the person who has legal rights to the compensation covered entrusted items (*3).
(*5) Refers to housing used as a residence by the insured, and includes the site.
Note: Only the insured student can be “the insured”. Further, where the student is a person without capacity to assume
liability, a person with parental authority, other statutory supervisor or person responsible for supervising the person inca日常生活個人賠償責任保険金 pable of responsibility on behalf of the statutory supervisor (limited to a blood relative within six degrees, a spouse or an★日常生活個人賠償責任補償 in-law within three degrees) will be considered the insured.
特約☆日常生活個人賠償責任補償 日本国内または国外において発生した次のいずれかの事由により、法律上の損害賠償責任を負われた場合
特約の一部変更に関する特約 ①保険期間中の次の偶然な事故により、他人の生命または身体を害したり、他人の物（＊1）を壊したりしたこと。
ア．住宅（＊2）の所有、使用または管理に起因する偶然な事故（大学生等用）セット
イ．
被保険者の日常生活に起因する偶然な事故☆本人のみ補償特約（日常生②補償対象受託物（＊3）の破損、紛失または盗取（＊4）（住宅（＊5）内保管中または被保険者によって一時的に住宅（＊5）外で管理されて活個人賠償責任補償特約
いる間に限ります。
）
用）
セット（＊１）情報機器等に記録された情報を含みます。
（＊２）本人の居住の用に供される住宅をいい、敷地内の動産および不動産を含みます。
（＊３）
「補償対象受託物」とは、被保険者が他人（レンタル業者を含みます。）から預かった財産的価値を有する有体物をいいます。
ただし、別記の「補償対象外となる主な『受託物』」を含みません。
（＊４）上記②に掲げる事由に対して保険金を支払うのは、被保険者が、補償対象受託物（＊3）につき正当な権利を有する者に対して損害賠償責任を負担することによって被った損害に限ります。
（＊５）被保険者の居住の用に供される住宅をいい、敷地を含みます。
（注）被保険者の範囲は、本人のみとなります。なお、本人が責任無能力者である場合は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保険者とします。
Daily life personal liability in- When another person’s life or body has been harmed due to any of the accidents described above, and there is a legal
surance payment (extraordi- obligation to bear the costs of damages, and the victim belongs to any of the following categories.
(1) a person who has died as a direct result of the accident.
nary expenses)★Special clause for daily life (2) a person who has been hospitalized※ for 20 days or longer at a hospital or clinic, as a direct result of the accident.
personal liability compen- Note: Only the insured student can be “the insured”. Further, where the student is a person without capacity to assume liability, a person with parental authority, other statutory supervisor or person responsible for supervising the person incasation☆Set of special clause relating pable of responsibility on behalf of the statutory supervisor (limited to a blood relative within six degrees, a spouse or an
to partial changes of special in-law within three degrees) will be considered the insured.
clause for daily life personal
liability compensation (for 上記の事故により、他人の生命または身体を害し、法律上の損害賠償責任を負担する場合であって、被害者が次のいずれかに該
university students etc.)
当したとき。
☆Set of student only com- ①事故の直接の結果として死亡した場合
pensation special clause ②事故の直接の結果として病院または診療所に２０日以上入院※した場合(for daily life personal liabili- （注）被保険者の範囲は、本人のみとなります。なお、本人が責任無能力者である場合は、親権者・法定監督義務者・監督義務者
ty compensation)に代わって責任無能力者を監督する方（責任無能力者の６親等内の血族、配偶者および３親等内の姻族に限ります。）を被保険者とします。
日常生活個人賠償責任保険金（臨時費用）★日常生活個人賠償責任補償
特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生等用）セット☆本人のみ補償特約（日常生活個 人 賠 償 責 任 補 償 特 約 用）
セット(2) Compensated accidents occurring during regular classes, etc. (infringement of personal rights) and expenses damages (expenses occurred in infection prevention)（2）正課の講義等における賠償事故（人格権侵害）
・費用損害（感染事故損害防止費用）

25

Type of insurance payment
保険金の種類

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

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

When the insured is legally liable for damages resulting from any of the inappropriate actions described below during
regular classes, etc.
(a) Infringement of freedom due to unreasonable detention, or defamation(b) Defamation or infringement of privacy through oral, written, graphic, imaging or other similar means of display.
Note: The scope of the insured (the person being compensated) is limited to the subscriber.

正課の講義等において次のいずれかに該当する不当な行為により被保険者が法律上の損害賠償責任を負担した場合（a）不当な身体の拘束による自由の侵害または名誉毀（き）損
人格権侵害賠償責任保険金（b）口頭、文書、図画、映像その他これらに類する表示行為による名誉毀（き）損またはプライバシーの侵害★施 設所有（管理）者賠償責任 （注）被保険者（保険契約により補償を受けられる方）の範囲：ご加入者
保険・生産物賠償責任保険＋
学生賠償責任補償特約
Insurance payment for
When a medical-related practice accident during a regular class, etc., has caused or may have caused a third party toexpenses for the prevention
become infected, and the insured has had to pay damages in the form of expense to prevent infection (expenses for theof damage in an accident
prevention or treatment of infection, having obtained the consent of the underwriting insurance company).
involving infection
Note: The scope of the insured is limited to the subscriber or university, etc. (*).
★Facility owner (manager) lia正課の講義等における医療関連実習での事故により、第三者の身体に感染による障害が発生またはそのおそれがある場合におbility insurance / Productliability insurance + special いて、被保険者が感染事故損害防止費用（感染の予防または治療のために、引受保険会社の同意を得て支出した費用）を負担した場合
clause for student liability（注）被保険者の範囲：ご加入者・大学等（＊）
compensation
感染事故損害防止費用保険金★施 設所有（管理）者賠償責任
保険・生産物賠償責任保険＋
学生賠償責任補償特約◎Scope of regular classes, etc.:•Regular classes: lectures, experiments, training, practice, etc., treated by a university, etc.(*), as a lesson. (Including medical related practice such as clinicalpractice, nursing practice, etc.)•School events: events held by a university, etc.(*), as part of their educational activities.
•Teaching practice: student teaching practice as referred to in Article 6 column 5 of the Ordinance for the Enforcement of the Teacher’s License Act in orderto earn the credits stipulated in the Article 5, Paragraph 1, annexed Table 1 and annexed Table 2, or annexed Table 2-2 of Teacher’s License Act (Act No.
147 of 1949)•Special practical training: opportunities made available to students to gain experience in activities such as providing nursing care and assistance to persons
with disabilities or elderly persons, etc., and interacting with such persons, at special-needs schools or social welfare facilities as are selected from thoseschools or facilities stipulated in Article 2 of the Act on Special Provisions concerning the Teachers License Act in Relation to Granting Regular Licenses to
Teachers of Elementary Schools and Lower Secondary Schools (Act No. 90 of 1997), through consultation with the Minister of Education, Culture, Sports,
Science and Technology and the Minister of Health, Labour and Welfare•Internships: internships or work experiences conducted by the subscriber (the insured) in relation to major or future career while they are in school (notincluding part-time jobs)•Volunteer activities: volunteer activities which are equivalent to school curriculum courses and school events (not including volunteer activities conducted
as club activities or group activities).
(*) Universities, graduate schools, junior colleges, technical colleges and equivalent educational establishments, as stipulated by the School Education Act(Act No. 26 of 1947).
◎正課の講義等の範囲：●正課の講義／大学等（＊）が授業として取り扱う講義、実験、実習、演習等をいいます。
（臨床実習、看護実習等の医療関連実習も含みます。）●学校行事／大学等（＊）が教育活動の一環として主催する行事をいいます。●教育実習／教育職員免許法（昭和24年法律第147号）第5条第1項の別表第1、別表第2または別表第2の2に定める単位習得のために行う教育職員免許法施行規則第6条第5欄に掲げる教育実習をいいます。●特例実習／小学校および中学校の教諭の普通免許状授与に係る教育職員免許法の特例等に関する法律（平成9年法律第90号）第2条に定める、特別支援学校または社会福祉施設その他の施設で文部科学大臣が厚生労働大臣と協議して定めるものにおいて行われる、障害者、高齢者等に対する介護、介助、これらの者との交流等の体験をいいます。●インターンシップ／加入者（被保険者）が在学中に自らの専攻、将来のキャリアに関連した就業体験を行うことをいいます。
（アルバイトは含みません。）●
ボランティア活動／正課の講義または学校行事に準じるボランティア活動をいいます。ただし、部活動、サークル活動として行うボランティア活動は含みません。
（＊）学校教育法（昭和22年法律第26号）に基づく大学、大学院、短期大学、高等専門学校およびこれと同等の教育機関をいいます。

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

Daily life personal liability
insurance payment★Special clause for daily life
personal liability compensation☆Set of special clauserelating to partial changesof special clause for daily
life personal liability compensation (for university
students etc.)☆Set of student only compensation special clause(for daily life personal
liability compensation)

The amount of legal damages payable to a person with the right to claim damage compensation (including delay damages based on a judgment) and lawsuit expenses (*) will be paid.
(*): The underwriting insurance company’s written consent is required.
Note 1: The payment amount of payment for legal damages and delay damages based on a judgment for a single incident will be limited to the daily life personal liability insurance amount. However, in the case of an incident only involving
information recorded in an information system, etc., the payment for a single incident will be limited to the amount of therecorded information limit (5,000,000 yen) or the amount of the daily life personal liability compensation limit, whichever isthe lower amount.
Note 2: The underwriting insurance company’s prior approval is required for decisions about the amount of damages
payable, etc.
Note 3: In the case of an incident that occurred within Japan, out-of-court settlement negotiations can be conducted, atthe request of the insured. However, please note that it will not be possible to conduct out-of-court settlement negotiations in the following cases: where the person with the right to claim compensation does not agree; where the amount oflegal damages payable by the insured clearly exceeds the amount of the daily life personal liability insurance; where theinsured has refused to cooperate without a valid reason; or where a lawsuit related to the claim for damage compensation has been brought in a court outside of Japan.
Note 4: In the event that the content of compensation also appears in a similar insurance contract (including special26日常生活個人賠償責任保険金 agreements for different insurance types and insurance contracts with companies other than the underwriting insur★日常生活個人賠償責任補償特約 ance company), the compensation may overlap. Please check the differences in the content of compensation, insurance☆日常生活個人賠償責任補償 amounts, and whether or not subscription is necessary, before you subscribe.
特約の一部変更に関する特約
損害賠償請求権者に対して負担する法律上の賠償責任の額（判決による遅延損害金を含みます。）および訴訟費用（＊）等をお（大学生等用）セット☆本 人のみ補償特約（日常生活個 支払いします。
人賠償責任補償特約用）セット （＊）引受保険会社の書面による同意が必要となります。
（注１）法律上の損害賠償責任の額および判決による遅延損害金のお支払額は、１回の事故につき、日常生活個人賠償責任保険
金額が限度となります。ただし、情報機器等に記録された情報のみの事故については、
１回の事故につき、記録情報限度額（５００万円）または日常生活個人賠償責任保険金額のいずれか低い額が限度となります。
（注２）損害賠償金額等の決定については、あらかじめ引受保険会社の承認を必要とします。
（注３）日本国内において発生した事故については、被保険者のお申出により、示談交渉をお引受します。ただし、損害賠償請求権者が同意されない場合、被保険者が負担する法律上の損害賠償責任の額が日常生活個人賠償責任保険金額を明らかに超える場合、正当な理由なく被保険者が協力を拒んだ場合、損害賠償請求に関する訴訟が日本国外の裁判所に提起された場合には示談交渉を行うことができませんのでご注意ください。
（注４）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
Daily life personal liability in- Extraordinary expenses incurred by the insured will be paid.
surance payment (extraordi- Note 1: Insurance payments will be limited to the following amounts for one victim whose life or body has harmed in one
incident:
nary expenses)★Special clause for daily life In the event an incident described in ① under “Cases in which insurance payment will be paid”: up to a limit of ¥100,000.
personal liability compen- In the event an incident described in ② under “Cases in which insurance payment will be paid”: up to a limit of ¥20,000.
Note 2: In the event that the content of compensation also appears in a similar insurance contract (including special agreesation☆Set of special clause relat- ments for different insurance types and insurance contracts with companies other than the underwriting insurance compaing to partial changes of ny), the compensation may overlap. Please check the differences in the content of compensation, insurance amounts, andspecial clause for daily life whether or not subscription is necessary, before you subscribe.
personal liability compensation (for university students 被保険者が臨時に必要とする費用をお支払いします。
（注１）保険金のお支払額は、１回の事故によって生命または身体を害した被害者１名につき、次の額が限度となります。
etc.)
上表「保険金をお支払いする場合」の①の場合…１０万円限度☆Set of student only com上表「保険金をお支払いする場合」の②の場合… ２万円限度
pensation special clause(for daily life personal liabili- （注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
ty compensation)
日常生活個人賠償責任保険金（臨時費用）★日常生活個人賠償責任補償特約☆日常生活個人賠償責任補償特約の一部変更に関する特約（大学生等用）セット☆本人のみ補償特約（日常生活個
人賠償責任補償特約用）セット
Personal rights infringement
liability insurance payment★Facility owner (manager)
liability insurance / Productliability insurance + special
clause for student liability
compensation

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

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

27◆Main cases in which insurance will not be paid
◆保険金をお支払いしない主な場合
Type of insurance
payment
保険金の種類Main cases in which insurance will not be paid
保険金をお支払いしない主な場合•Damage caused by the intentional action of the policyholder or the insured. •Damage liability directly arising from the courseof the insured’s work (excluding part-time jobs and internships) (liability for damages at work). •Damage liability arising froma physical disability sustained by an employee (excluding domestic help) of the insured during the execution of their duties.
•Damage liability added as a result of a damage liability agreement with a third party. •Damage liability incurred by a relative※
living with the insured. •Liability for damages caused by the destruction of items borrowed from or entrusted by another person(This does not apply to liability for damages under ② in “Cases in which insurance can be paid” of daily life personal liability
insurance.) •Damage liability arising from insanity. •Damage liability arising from violence or assault by the insured, or directedby the insured. •Damage liability arising from the ownership, use or management of vehicles such as automobiles, etc.※, (excluding golf carts within the grounds of a golf course etc.), ships, aircraft, weapons, personal property or real estate used for the
purposes of work (excluding part-time work or internships). •Damage to compensation covered entrusted items as a result ofaltercation, suicidal actions or criminal actions. •Damage to compensation covered entrusted items as a result of driving withouta license or without qualifications while under the influence of alcohol※ or drugs. •Damage to compensation covered entrusted items as a result of the exercise of official authority (seizure, confiscation, destruction, etc.). •Spontaneous combustion or
spontaneous explosion of the compensation covered entrusted items. •Damage to compensation covered entrusted items
as a result of electrical or mechanical accidents (breakdown, etc.), not directly attributable to an unexpected external event.
•Damage to compensation covered entrusted items due to natural wear, deterioration, discoloration, rust, mold, rot, cracks,
peeling, fermentation or spontaneous heat generation due to natural properties, rodent damage, insect damage or defects, etc.
•Damage to compensation covered entrusted items due to the penetration of wind, rain, snow, hail, dust or similar. •Damage to
日常生活個人賠償責任保 compensation covered entrusted items that was discovered after they were handed back. •Damage to compensation covered
険金
entrusted items that has rendered them unusable (loss of revenue, etc.). •Liability for damages due to the use of compensation★日常生活個人賠償責任 covered entrusted items markedly deviating from the level of care in handling normally considered necessary, or for other than
補償特約
the intended purpose. •Damage resulting from war, other forms of civil strife※, or riots. •Damage due to the effects of an earth☆日常生活個人賠償責任 quake or volcanic eruption, or of a tsunami caused by these. •Damage resulting from the radiation, explosion, etc., of nuclear
補償特約の一部変更に fuel materials or similar. •Damage to “Main “Entrusted items” not compensated by insurance” described elsewhere.
関 する特 約（大 学 生 等●保険契約者または被保険者の故意による損害●被保険者の職務遂行（アルバイトおよびインターンシップを含みません。）
に直接起
用）セット
（仕事上の損害賠償責任）●被保険者の使用人（家事使用人を含みません。）
が業務従事中に被った身体の障害に☆本 人 のみ 補 償 特 約（日 因する損害賠償責任
常生活個人賠償責任補 起因する損害賠償責任●第三者との損害賠償に関する約定によって加重された損害賠償責任●被保険者と同居する親族※に対する損害賠償責任●他人から借りたり預かったりした物を壊したことによる損害賠償責任（日常生活個人賠償責任保険金の「保険金をお支償特約用）セット
払いする場合」の②による損害賠償責任には適用しません。）●心神喪失に起因する損害賠償責任●被保険者または被保険者の指図による暴行、殴打による損害賠償責任●自動車等※の車両（ゴルフ場敷地内におけるゴルフカート等を含みません。）、船舶、航空機、銃器、職務（アルバイトおよびインターンシップを含みません。）のために使用する動産または不動産の所有、使用または管理に起因する損
害賠償責任●闘争行為、
自殺行為または犯罪行為による補償対象受託物の損害●自動車等の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中の事故による補償対象受託物の損害●公権力の行使（差し押え・没収・破壊等）
による補償対象受託物の損害●補償対象受託物に発生した自然発火または自然爆発●偶然な外来の事故に直接起因しない補償対象受託物の電気的事故・機械的事故（故障等）
による損害●自然の消耗、劣化、性質による変色・さび・かび・腐敗・ひび割れ・はがれ・発酵・自然発熱、
ねずみ食い、虫食
い、欠陥等による補償対象受託物の損害●風、雨、雪、雹
（ひょう）
、砂塵
（じん）
その他これらに類するものの吹込みや漏入による補償対
象受託物の損害●引き渡し後に発見された補償対象受託物の破損による損害賠償責任●補償対象受託物を使用不能にしたことによる損害賠償責任（収益減少等）●通常必要とされる取扱い上の注意に著しく反したことまたは本来の用途以外に補償対象受託物を使用したことに起因する損害賠償責任●戦争、その他の変乱※、暴動による損害●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害賠償責任●別記の「補償対象外となる主な
『受託物』
」
の損害
など
Daily life personal liability
insurance payment★Special clause for daily
life personal liability
compensation☆Set of special clauserelating to partialchanges of special
clause for daily life
personal liability compensation (for university students etc.)☆Set of student only
compensation special
clause (for daily life
personal liability compensation)

Personal rights infringement liability insurance
payment★Facility owner (manager) liability insurance /Product liability insurance + special clause
for student liability
compensation
人格権侵害賠償責任保険
金★施設所有（管理）者賠償責任保険・生産物賠償責任保険＋学生賠償責
任補償特約•Liability for damages resulting from the intentional acts of the policyholder or the insured. •Where there exists a special agreement between the insured and a third party concerning liability for damages, any liability for damages added as a result of thatagreement. •Liability for damages against relatives living with the insured. •Liability for damages arising from physical disability
suffered by an employee of the insured while engaged in work for the insured. •Liability for damages due to war, exercise offorce by a foreign country, revolution, government coup, civil strife, armed insurgency or any other similar riots, labor disputes
or disturbances. •Liability for damages due to earthquakes, eruptions, flooding, tsunami or high tides. •Liability for damages
due to nuclear reaction or the decay of nuclear materials (excluding damages due to nuclear reaction or the decay of nuclear
materials of radioisotopes (not including uranium, thorium, plutonium or compounds of these or inclusions of these) provided
for medical, scientific and some industrial use). •Irrespective of direct or indirect cases, damages incurred due to phenomena
arising from cyber attack. •Liability due to criminal acts (excluding criminal negligence) committed by the insured or by anotherbased on the understanding or consent of the insured. •Liability due to misconduct by the insured or another, relating to hiring,
employment or dismissal by the insured. •Liability due to continued or repeated misconduct by the insured or another, where
the first instance of said misconduct occurred prior to the period of insurance. •Liability due to misconduct by the insured orby another at the instruction of the insured, in the full knowledge that their actions were inconsistent with actual facts. •Liability
due to advertising, broadcasting or publishing activities carried out by the insured or another on the insurer’s behalf. •Damages
incurred by having to bear the costs of infection incident damage prevention costs in either of the following cases: ◇costs
incurred due to infection contracted prior to the period of insurance ◇costs incurred due to other than medical related practiceas part of regular lectures, etc.

Insurance payment for
expenses for the prevention of damage in●保険契約者または被保険者の故意によって生じた損害賠償責任●被保険者と第三者との間に損害賠償に関する特別の約定がある
an accident involving
場合において、その約定によって加重された損害賠償責任●被保険者と生計を共にする同居の親族に対する損害賠償責任●被保険
infection★Facility owner (manag- 者の使用人が、被保険者の業務に従事中に被った身体の障害に起因する損害賠償責任●戦争、外国の武力行使、革命、政権奪取、er) liability insurance / 内乱、武装反乱その他これらに類似の事変、暴動、労働争議または騒擾（じょう）に起因する損害賠償責任●地震、噴火、洪水、津波まProduct liability insur- たは高潮に起因する損害賠償責任●原子核反応または原子核の崩壊に起因する損害賠償責任（ただし、医学的、科学的利用もしくはance + special clause 一般産業上の利用に供されるラジオ・アイソトープ《ウラン・トリウム・プルトニウムおよびこれらの化合物ならびにこれらの含有物を含for student liability みません。》の原子核反応または原子核の崩壊による場合を除きます。）●直接であると間接であるとを問わず、サイバー攻撃により生じた事象に起因する損害●被保険者によって、または被保険者の了解もしくは同意に基づいて被保険者以外の者によって行われた犯
compensation
罪行為（過失犯を除きます。）に起因する賠償責任●被保険者による採用、雇用または解雇に関して、被保険者によってまたは被保険
感染事故損害防止費用保 者以外の者によって行われた不当行為に起因する賠償責任●最初の不当行為が保険期間開始前になされ、その継続または反復として、被保険者によってまたは被保険者以外の者によって行われた不当行為に起因する賠償責任●事実と異なることを知りながら、被険金★施設所有（管理）者賠償 保険者によってまたは被保険者の指図により被保険者以外の者によって行われた不当行為に起因する賠償責任●被保険者によって28

責任保険・生産物賠償責 または被保険者のために被保険者以外の者によって行われた広告宣伝活動、放送活動または出版活動に起因する賠償責任●次のい
任保険＋学生賠償責任補 ずれかに該当する感染事故損害防止費用を負担することによって被る損害◇保険期間開始前に感染していた感染症に起因して発生償特約した費用◇正課の講義等における医療関連実習以外に起因して発生した費用
など（＊２）ピッケル、アイゼン、ザイル、ハンマー等の登山用具を使用するもの、ロッククライミング（フリークライミングを含み、登る壁の高さが５ｍ以下であるボルダリン
グは含みません。）をいいます。
（＊３）学校教育法（昭和２２年法律第２６号）に基づく大学、大学院、短期大学、専門職大学、専門職短期大学、高等専門学校およびこれと同等の教育機関をいいます。

In addition to the above, there are situations in which insurance payment will not be paid. For details, please refer to your general insurance policy, special
policy or special clause. If there is anything that you are not sure about, contact your insurance agent, broker or underwriting insurance company.
◎Sporting activities, etc., not compensated by insurance …. mountain climbing*1, luge, bobsleigh, skeleton, aircraft*2 operation*3, skydiving, hang gliding,
flying in ultralight aircraft*4, flying in gyroplanes, and other similar dangerous activities.
(*1) Activities that use ice axes, crampons, ropes and hammers and other mountaineering equipment and rock climbing (including free climbing, but notincluding bouldering on a wall of a height no higher than 5m).
(*2) Excluding gliders and airships.
(*3) Excluding operation in a professional capacity.
(*4) Referring to motor hang gliders, micro-light aircraft and ultra-light aircraft, etc., and excluding parachute type ultra-light aircraft (para-planes, etc.).
◎Main “Entrusted items” not compensated by insurance … currency, deposit and savings certificates, securities, revenue stamps, postage stamps, manuscripts (of books, etc.), designs, drawings, certificates, accounts, precious metals, gems, curios and objets d’art, antiques, sculptures, works of art, automobiles (including towed vehicles), motorized bikes, ships (including yachts, motorboats, personal water craft, boats and canoes), aircraft and their accessories,
bicycles, radio-controlled models and their accessories, surfboards, windsurfing boards, mobile phones (including PHS) and other types of mobile communication terminals and their accessories, laptop or note type computers, portable game machines, electronic organizers, electronic dictionaries and books
and other types of portable electronic devices and their accessories, portable audio players and other types of portable audio devices and their accessories,
portable recording devices and their accessories, firearms, swords, equipment used in the pursuit of “Sporting activities, etc., not compensated by insurance” described above, live animals or plants, buildings (including tatami mats, fixations, bathtubs, sinks, gas stoves, kitchen tables and shelves, electricity,
gas or air-conditioning equipment and other accessory equipment), doors, fences, hedges, sheds, garages and other accessory buildings.
Note: The following items, used in and for the purposes of regular classes*1, will be compensated by insurance: automobiles (including towed vehicles. And,limited to vehicles used only for driving off-road or small special vehicles manufactured for agricultural work), motorized bikes (limited to those used only for
driving off-road) and their accessories, bicycles, radio-controlled models and their accessories, mobile phones (including PHS) and other types of mobile
communication terminals and their accessories, laptop or note type computers, portable game machines, electronic organizers, electronic dictionaries andbooks and other types of portable electronic devices and their accessories, portable audio players and other types of portable audio devices and their accessories, portable recording devices and their accessories, and equipment used during mountain climbing activities*2.
(*1) The following items.
a) Lectures, experiments, practical training, exercises, etc., treated as classes by the university, etc. *3.
b) Events hosted by the university, etc.*3 as educational activities.
c) Teaching practice as listed in the tables of Article 2, Paragraph 1, Article 3, Paragraph 1, Article 4, Paragraph 1, and Article 5 of the Ordinance for
Enforcement of the School Teacher’s License Act, which is conducted for the Purpose of the acquisition of credits, as stipulated in annexed Table 1,annexed Table 2, or annexed Table 2-2 of the School Teacher’s License Act (Act No.147 of 1949), Article 5, Paragraph 1, annexed Table 1, annexed
Table 2, or annexed Table 2-2.
d) Experiences such as the care and assistance of, and interaction with, elderly and/or disabled persons, etc., as stipulated in Article 2 of the Act on
Special Provisions concerning the Education Personnel Certification Act in Relation to Granting Regular License to Teachers of Elementary Schools
and Lower Secondary Schools (Act No. 90 of 1997), conducted at special needs schools, social welfare facilities and other facilities determined by the
Minister of Education, Culture, Sports, Science and Technology in consultation with the Minister of Health, Labour and Welfare.
e) Internshipsf) Volunteer activities corresponding to a) or b), above, but not including volunteer activities as part of university club activities.
(*2) Activities that use ice axes, crampons, ropes and hammers and other mountaineering equipment and rock climbing (including free climbing, but notincluding bouldering on a wall of a height no higher than 5m).
(*3) Refers to universities, graduate schools, junior colleges, professional colleges, vocational colleges, technical colleges and other equivalent educational
establishments, in accordance with the School Education Act (Act No. 26 of 1947).

6 Content of coverage (Condolence gift expenses)

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

29◆Cases in which insurance payment will be paid, insurance payment amounts

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

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

Insurance payment amounts
保険金のお支払額

Actual expenses will be paid, limited to the following amount per victim. However, thepayments shall be limited to ¥1,000,000 per accident.
(1) In the event that the victim dies within 180 days from the day of the accident, including that day, ¥500,000*1.
(2) In the event that the victim sustains a disability※ within 180 days from the day of theaccident, including that day, 100% to 4% of ¥500,000 (prorated in accordance with the
injury insurance payment disability class table).
(3) In the event that the victim has been hospitalized※ for treatment※ for an injury※,a) When the period of hospitalization is 31 days or longer: ¥100,000b) When the period of hospitalization is between 15 days and 30 days: ¥50,000c) When the period of hospitalization is between 8 and 14 days: ¥30,000d) When the period of hospitalization is 7 days or shorter: ¥15,000(4) In the event that the victim received outpatient treatment※ of an injury※ that wascaused by the accident*2a) When the number of days of outpatient treatment is 31 or more: ¥50,000
傷害見舞費用保険金b) When the number of days of outpatient treatment is between 15 and 30: ¥30,000★傷害見舞費用補償特約c) When the number of days of outpatient treatment is between 8 and 14: ¥20,000☆被保険者の範囲に関す 保険期間中の被保険者の行為による偶 d) When the number of days of outpatient treatment is 7 or fewer: ¥10,000※
る特 約（傷 害 見 舞 費 用 補 然な事故により他人が被ったケガ につ (*1) In the event that insurance for expenses for disability condolence has already been
償特約用）セット
いて、損害賠償金を支払うことなく、慣習 paid, the portion already paid shall be deducted from ¥500,000, and the remainder
として弔慰金や入院見舞金等を支払われ paid.
た場合および見舞品を購入された場合(*2) If the injured person does not receive outpatient treatment but has to continuously（注１）引受保険会社の同意を得て支払わ wear a plaster cast※ or similar at the instructions of a doctor※ in order to stabilize a
れた費用に限ります。
prescribed part※ of the body that has been injured, such as a broken bone, dislocation,（注２）被保険者の範囲は、次のいずれか torn ligament, etc., they will be considered to have received outpatient treatment forに該当する方です。
that number of days.
ア．本人、イ．親権者およびその他 Note: In the event that the content of compensation also appears in a similar insurの法定の監督義務者
ance contract (including special agreements for different insurance types and insurance contracts with companies other than the underwriting insurance company), thecompensation may overlap. Please check the differences in the content of compensation, insurance amounts, and whether or not subscription is necessary, before you
subscribe.
Insurance payment for
condolence gifts toinjured parties★Special clause for compensation for condolence gifts to injured
parties☆Set of special combined clause regarding the scope of theinsured (for special
clause for compensation for the cost of visiting an injured person)

In the event that an unintended accident caused by the actions of the insured during the period of insurance
has resulted in injury※ to another andthe insured does not pay damages tothat person, but, as a common practice, pays condolence or sympathy
money, and purchases a sympathy gift.
(Note 1) Limited to the amount agreed
by the underwriting insurance company.
(Note 2) The scope of the insured isthose who fall into one of the following
categories. a) the student b) a personwith parental authority, or other statutory supervisor

被害者１名につき次の金額を限度として、実際に負担された額をお支払いします。ただし、
１回の事故について、
１００万円がお支払いの限度となります。
①被害者が事故の発生の日からその日を含めて１８０日以内に死亡した場合
５０万円（＊1）②被害者に事故の発生の日からその日を含めて１８０日以内に後遺障害※が発生した場合５０万円の１００％～４％（傷害保険金の後遺障害等級表に応じた割合）③被害者が事故によるケガ※の治療※のため入院※した場合
ア．入院期間３１日以上の場合
１００，
０００円
イ．入院期間１５日以上３０日以内の場合 ５０，０００円
ウ．入院期間８日以上１４日以内の場合 ３０，０００円
エ．入院期間７日以内の場合 １５，０００円④被害者が事故によるケガ※の治療※のため通院※した場合（＊2）
ア．通院日数３１日以上の場合
５０，０００円
イ．通院日数１５日以上３０日以内の場合 ３０，０００円
ウ．通院日数８日以上１４日以内の場合 ２０，０００円
エ．通院日数７日以内の場合 １０，０００円（＊１）既にお支払いした後遺障害見舞費用保険金がある場合は、５０万円から既にお支払いした金額を差し引いた残額となります。
（＊２）通院されない場合で、骨折、脱臼、靱（じん）帯損傷等のケガを被った所定の部位※を固定するために医師※の指示によりギプス等※を常時装着したときは、その日数について通院したものとみなします。
（注）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）が他にあると補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
•Since the special clause (*Special clause for compensation for condolence gifts to injured parties) relating to the scope of the insured has been set, thescope of the insured in the special clause for compensation for condolence gifts to injured parties is the student, a person with parental authority, or otherstatutory supervisor.
●被保険者の範囲に関する特約（傷害見舞費用補償特約用）がセットされているため、傷害見舞費用補償特約における被保険者の範囲は、本人ならびに本人の親権者およびその他の法定の監督義務者とします。

30

◆Cases in which insurance payment will not be paid

housing repair cost

◆保険金をお支払いしない主な場合
Type of insurance
payment
保険金の種類Insurance payment for
condolence gifts toinjured parties★Special clause for compensation for condolence gifts to injured
parties☆Set of special combined clause regarding the scope of theinsured (for special
clause for compensation for the costof visiting an injured
person)Main cases in which insurance payment will not be paid
保険金をお支払いしない主な場合•Costs resulting from the intentional action or gross negligence of the policyholder or the insured. •Injury※ resulting from violence or assault by the insured, or directed by the insured. •Injury resulting from the execution of professional duties by the
insured. •Injury suffered by a relative※ living with the insured. •Injury suffered by an employee (excluding domestic servant) of
the insured during the execution of their duties. •Injury suffered as a result of the ownership, use or management of vehicles
such as automobiles, etc.※, ships, aircraft or weapons. •Costs incurred due to war, other forms of civil strife※, or riots (injuries
resulting from terrorist acts may be covered by a partial amendment special clause relating to the exemption from war risk, etc.,with conditions.). •Costs incurred due to earthquake or volcanic eruption, or a tsunami caused by these. •Costs incurred dueto the radiation, explosion, etc., of nuclear fuel materials or similar. •Injury resulting from conditions that are not supported by
medical objective findings※, such as cervical syndrome※, lower-back pain, or backaches, no matter the cause. •Drowning whilebathing※. (excluding where this was caused by an injury resulting from a sudden and unexpected external event.) •Pneumonia
resulting from aspiration (mis-swallowing)※, no matter the cause.

●保険契約者または被保険者の故意または重大な過失による費用●被保険者または被保険者の指図による暴行、殴打によるケガ※●被保険者の職務遂行に起因するケガ●被保険者と同居する親族※が被ったケガ●被保険者の使用人（家事使用人を除きます。）が業務中に被ったケガ●自動車等※の車両、船舶、航空機、銃器の所有、使用または管理に起因するケガ●戦争、その他の変乱※、暴動による費用（テロ行為によるケガは、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地震も傷害見舞費用保険金
しくは噴火またはこれらを原因とする津波による費用●核燃料物質等の放射性・爆発性等による費用●原因がいかなるときでも、頸★傷害見舞費用補償特約 （けい）部症候群※、腰痛その他の症状を訴えている場合に、それを裏付けるに足りる医学的他覚所見のないもの※●入浴中の溺水※☆被 保険者の範囲に関す （ただし、急激かつ偶然な外来の事故によってその身体に被ったケガによって発生した場合を除きます。）●原因がいかなるときでも、る特 約（傷 害 見 舞 費 用 誤嚥（えん）※によって発生した肺炎など
補償特約用）セット

7 Content of coverage (Tenant liability, etc.)◆Cases in which Insurance payment will be paid - Insurance payment amount7 保障内容（借家人賠償責任他）◆保険金をお支払いする場合・保険金のお支払額
Type of insurance
payment
保険金の種類

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

Where, during the period of insurance and in Japan,
rented housing*1 is damaged*2 due to an accident at
the responsibility of the insured, and the insured*3 islegally obliged to compensate the landlord.
*1: “Rented housing” refers to a building or rooms rented or used by the insured at the insured’s address. In
借家人賠償責任保険金
the event of a change of address, it refers to a building★借 家 人 賠 償 責 任 補 償 or rooms at the new address.
（オールリスク）特約*2: “damaged” means destruction, damage or defacement. Note that destruction does not include theft, loss
or fraud.
*3: This includes the leaseholder of rented housing
when the leaseholder is other than the insured. Further, where the insured and the leaseholder are persons
without capacity to assume liability, a person with parental authority, other statutory supervisor or person
responsible for supervising the person incapable ofresponsibility on behalf of the statutory supervisor (limited to a blood relative within six degrees, a spouse or
an in-law within three degrees) will be considered theinsured.
Tenant liability insurance
payment★Special clause for compensation for tenant liability (all risk)

Insurance payment amounts
保険金のお支払額
Amount of legal damages payable by the insured to a person with theright to claim damage compensation + litigation expenses ordered tobe paid by a judgment, or delay damages to be paid up to the date ofa judgment – an amount of a subrogation obtained due to the insured
having paid an amount of compensation to a person with the right toclaim damage compensation – any deductibles* (0 yen).
Note 1: The amount per accident is limited to the Tenant liability insurance amount.
Note 2: The decision regarding the amount of compensation, etc.,
requires the prior consent of the underwriting insurance company.
Note 3: In addition to the amount calculated per the above formula,
payment will be made for expenses that are necessary or beneficial
in the prevention of the occurrence or spread of damage, out-of-court
negotiation expenses, legal expenses, etc.
Note 4: If there are other insurance policies with similar compensation
details (including special clauses for different types of insurance, andpolicies with different underwriting companies), duplication of compensation may occur. Please first check the differences in compensation content and insurance amounts, and whether there is any need forsubscription, before you subscribe.

被保険者が損害賠償請求権者に対して負担する法律上の損害賠償責任
保険期間中に、日本国内において、借用住宅（＊１）が被保険 の額 ＋ 判決により支払を命ぜられた訴訟費用または判決日までの遅延損者の責任による事故により損壊（＊２）し、被保険者（＊３）が貸 害金 － 被保険者が損害賠償請求権者に対して損害賠償金を支払ったこ
主に対する法律上の損害賠償責任を負われた場合とにより代位取得するものがある場合は、その価額 － 免責金額※（０円）（＊１）
「借用住宅」とは、被保険者が借用または使用する被 （注１）１回の事故につき、借家人賠償責任保険金額が限度となります。
保険者住所の建物または住戸室をいい、転居した場 （注２）損害賠償金額等の決定については、あらかじめ引受保険会社の承合は転居先の建物または住戸室をいいます。
認を必要とします。
（＊２）
「損壊」とは、滅失、破損または汚損をいいます。ただ （注３）上記算式により計算した額とは別に、損害の発生または拡大を防止
し、滅失には盗難、紛失または詐取を含みません。
するために必要または有益であった費用、示談交渉費用、争訟費用（＊３）借用住宅の賃借名義人が被保険者と異なる場合に等をお支払いします。
は、その賃借名義人を含みます。なお、これらの方が （注4）補償内容が同様の保険契約（異なる保険種類の特約や引受保険
責任無能力者である場合は、親権者・法定監督義務
会社以外の保険契約を含みます。）が他にある場合、補償の重複が者・監督義務者に代わって責任無能力者を監督する生じることがあります。補償内容の差異や保険金額、加入の要否を方（責任無能力者の６親等内の血族、配偶者※およびご確認いただいたうえでご加入ください。
３親等内の姻族に限ります。）を被保険者とします。

Rented housing repair
cost insurance payment★Special clause (for university students etc.) for
compensation for rented

31

Where there has been damage to rented housing in Japan occurred by sudden and unexpected incident, andwhere the insured*2 acctually repaired the housing attheir own expense, in accordance with a contractual
agreement with the landlord, or in an emergency.

The actual repair costs* borne by the insured are paid.
*: This means the repair costs required to restore the rented housing to
the condition it was in immediately prior to the damage.
Note 1: Insurance payment is limited the Rented Housing Repair Cost
Insurance amount for each incident.

Note that this does not include cases where the insured
is legally liable to compensate the landlord of rented
借用住宅修理費用保険金 housing.
★借 用住宅修理費用補償 *1: “rented housing” refers to a building or residential（大学生等用）特約
room(s) rented or used by the insured as a residence at
the insured’s address. Note that this does not include
personal property, such as household furniture, appliances or other fittings stored in the building or the residential room(s).
*2: This includes the leaseholder of rented housing
when the leaseholder is other than the insured.

Note 2: Costs of repairs to major structural elements of the building(walls, pillars, floors, beams, roofs, stairs, etc.) and areas used in common by residents (entrance halls, lobbies, corridors, elevators, toilets,bathrooms, gates, fences, hedges, water towers, etc.) are not covered.
Note 3: If there are other insurance policies with similar compensation
details (including special clauses for different types of insurance, andpolicies with different underwriting companies), duplication of compensation may occur. Please first check the differences in compensation content and insurance amounts, and whether there is any need forsubscription, before you subscribe.

被保険者が負担された修理費用（＊）の実費をお支払いします。
不測かつ突発的な事故により、日本国内において借用住 （＊）借用住宅を損害発生直前の状態に復旧するために必要な修理費用を宅（＊１）に損害が発生し、被保険者（＊２）がその貸主との契約いいます。
に基づきまたは緊急的に、その借用住宅を自己の費用で （注1）保 険金のお支払額は、１回の事故につき、借用住宅修理費用保険
現実に修理した場合。ただし、被保険者が借用住宅の貸金額が限度となります。
主に対して、法律上の損害賠償責任を負担する場合を含 （注2）建 物の主要構造部（壁、柱、床、はり、屋根、階段等）や、居住者がみません。
共同で利用する部分（玄関、ロビー、廊下、昇降機、便所、浴室、（＊１）
「借用住宅」とは、被保険者が借用または使用する被門、塀、垣、給水塔等）の修理費用はお支払いしません。
保険者の居住の用に供される建物または住戸室をい （注3）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
います。ただし、建物または住戸室に収容されている社以外の保険契約を含みます。）が他にある場合、補償の重複が生家財、什器その他の備品等の動産は含みません。
じることがあります。補償内容の差異や保険金額、加入の要否をご（＊２）借用住宅の賃借名義人が被保険者と異なる場合に確認いただいたうえでご加入ください。
は、その賃借名義人を含みます。

Where the water pipes exclusive to rented housing* in The actual repair costs* borne by the insured are paid.
Japan are damaged due to freezing, and the insured *: This means the repair costs required to restore the exclusive water
has had to pay for repairs by themselves. Note that pipes to the condition they were in immediately prior to the damage
due to freezing.
this does not include damage to packing only.
*:“rented housing” refers to a building or residential Note 1: Insurance payment is limited 100,000 yen per site for each inroom(s) rented or used by the insured as a residence cident.
at the insured’s address. Note that this does not in- Note 2: If there are other insurance policies with similar compensation
水道管修理費用保険金
clude personal property, such as household furniture, details (including special clauses for different types of insurance, and★借 用住宅修理費用補償 appliances or other fittings stored in the residential policies with different underwriting companies), duplication of com（大学生等用）特約
pensation may occur. Please first check the differences in compensaroom(s).
tion content and insurance amounts, and whether there is any need
日本国内において借用住宅（＊）の専用水道管が凍結によっ for subscription, before you subscribe.
て破損し、被保険者が自己の費用で修理した場合。ただし、パッキングのみの破損を含みません。
被保険者が負担された修理費用（＊）の実費をお支払いします。
（＊）
「借用住宅」とは、被保険者が借用または使用する被 （＊）凍結によって損害が発生した専用水道管を損害発生直前の状態に復保険者の居住の用に供される建物または住戸室をい旧するために必要な費用をいいます。
います。ただし、建物または住戸室に収容されている （注１）保険金のお支払額は、１回の事故につき、
１敷地内ごとに１０万円が家財、什器その他の備品等の動産は含みません。
限度となります。
（注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
Water pipe repair cost
insurance payment★Special clause (for university students etc.) for
compensation for rented housing repair cost

(Insurance payment
for private property fordaily life in housing)compensation insurance
payment★Special clause (foruniversity studentsetc.) for compensation
for private property fordaily life in housing☆Set of special clausefor changes in insurance coverage andin the upper limits ofthe damages amountof special clause forcompensation forcompensation for
private for daily life in
housing (for university
students etc.)（住宅内生活用動産保険金）損害保険金★住 宅内生活用動産補償（大学生等用）特約☆住 宅内生活用動産補償（大学生等用）特約の保険の対象および損害額の上限変更に関する特約セット

When private property for daily life*2 owned by the insured and kept on premises*1 is damaged due to anyof the following incident, within the period of insurance
and in Japan.
•Fire, lightning strike, rupture, explosion.
•Wind damage, hail, snow damage*3 (Not including
damage from snow, etc., blowing in, rain leakage, etc.)•Water damage*4.
•Exposure to water due to water leakage or discharge,
etc. caused by rupture or clogging of water supply anddrainage equipment, or exposure to water due to waterleakage or discharge, etc. occurring at a residential unit
occupied by any person other than the insured.
•Falling, flying, collision, contact or collapse of the object from outside of a building, or collision or contact
with a vehicle or its load inside of a building.
•Violent disturbances and similar collective actions orviolent or destructive acts resulting from labor disputes.
•Theft.
•Breakage, defacement, etc.
*1: The place where the building used for the residential occupancy of the insured is located, and the land
continuous to it.
*2: “private property for daily life” refers to furniture, appliances, clothing and other goods normally required for daily life. However, this excludes“Main items of “personal property for daily life” notcompensated by insurance” described elsewhere.
*3: This means accidents or avalanches due to theweight of snow or falling of snow after a heavy snowfall,and excluding damage due to the leakage or freezingof water from melted snow, flooding due to water from

Payment is made after the deductible※ (10,000 yen for each incident in
the case of damage or defacement only).
Note 1: The amount of damages is determined by the replacement
cost※. Further, where the damaged item can be repaired, the amountof damages or loss is determined by the repair costs (including thecost of the clearance of remains) that would be necessary in orderto restore the item to the condition it was in immediately prior to thedamage, minus the value of any remains due to repair work (if any).
Even in such cases, if the amount of damages or loss exceeds thereplacement cost, the replacement cost shall be taken as the amountof damages or loss.
Note 2: In the case of precious metals, jewels, gems, calligraphy, antiques or sculptures and the like, the amount of damages or loss islimited to 300,000 yen per item or set.
Note 3: In the case of currency, checks, revenue stamps, postage
stamps, tickets (tickets and boarding passes for trains, ships and aircraft, vouchers for accommodation and use of tourist facilities, travel
coupons, commuter passes and coupon tickets, but excluding prepaid cards and e-money), compensation is only paid if actual damage
or loss has been caused by the theft. Further, in the case of deposit
certificates (including passbooks and cash cards), compensation is
only paid if the stolen item has been used to withdraw cash and only
the amount of the cash withdrawn, and then up to a limit of 100,000
yen at each site.
Note 4: The insurance payment shall not exceed the insurance limit
during the period of insurance. However, in the event of loss or damaged due to breakage, defacement or theft, the limit shall be 500,000
yen or the insurance limit, whichever is the lower sum, for each accident.
Note 5: If there are other insurance policies with similar compensation details (including special clauses for different types of insurance,and policies with different underwriting companies), duplication of32

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

33

Where the insured* bears the cost in the event that anyof the following, (1) to (5), apply to the rescued party※.
(1) During the period of insurance, an aircraft or ship on
which the rescued party is a passenger goes missing
or gets lost.
(2) During the period of insurance, due to a sudden andunexpected incident, the life or death of the rescued
party cannot be confirmed, or the police or some other public agency has confirmed that immediate searchand rescue operations are required.
(3) During the period of insurance, injury※ due to theinjury suffered outdoors, the rescued party dies or gets
hospitalized three consecutive days or longer, within

The part, which is deemed as reasonable according to social norms, ofthe following costs, a) to e), which is borne by the insured will be paid
to the person who has borne the costs.
a) Costs involved in the search, rescue or transfer of the rescued party※.
b) Transportation costs (for up to two rescuers) (*) for one round trip toand from the site※ of the rescue※c) Accommodation costs for a rescuer at the rescue site and during
travel to the site (up to two rescuers, and up to 14 days per rescuer) (*).
d) Costs of transporting a rescued party who is deceased or is undercontinuing treatment※ from the rescue site.
e) Miscellaneous expenses (rescuers’ travel procedure costs and180 days of the accident, including the day of the accident.
救援者費用等保険金★救 援 者 費 用 等 補 償（入 (4) During the period of insurance, death has occurred
due to illness.
院ワイド型）特約(5) During the period of insurance, due to treatment of☆疾 病 補 償 特 約（救 援 者
illness, the rescued party gets hospitalized three con費用等補償（入院ワイド secutive days or longer. Note that this is limited to the型）特約用）セット
cases that treatment begins during the period of insurance.
*: ”The insured” here refers to the person compensatedby this special clause, being the policyholder, the rescued party or the relatives※ of the rescued party.

commutation and communication expenses incurred by the rescued
party or rescuers at the rescue site.) Note that, in cases outside ofJapan falling under “Cases in which insurance payment will be paid”,
the limit is 100,000 yen. In cases within Japan falling under “Cases inwhich insurance payment will be paid”, the limit is 30,000 yen.
*: With regard to b) and c), above, in case (2) of “Cases in which insurance will be paid”, this does not include costs incurred by rescuers travelling to the site after the life or death of the rescued party is
confirmed, or once emergency operations to search for, rescue andtransfer the rescued party, or rescue operations, have finished.
Note 1: The insurance payment that will be paid is limited to theamount of insurance payment of the rescuer’s expenses during the※
救援対象者 が次の①～⑤のいずれかに該当したことにperiod of insurance. Note that, in the case of an insurance policy with
より、被保険者（＊）が費用を負担された場合
a period that extends beyond one year, the insurance payment will be①保険期間中に救援対象者が搭乗している航空機または limited to the insurance amount in each insurance year※.
船舶の行方不明または遭難した場合
Note 2: If there are other insurance policies with similar compensation②保険期間中に急激かつ偶然な外来の事故により救援対 details (including special clauses for different types of insurance, and
象者の生死が確認できない場合または緊急な捜索・救 policies with different underwriting companies), duplication of com助活動を要することが警察等の公の機関により確認さ pensation may occur. Please first check the differences in compensation content and insurance amounts, and whether there is any need for
れた場合※③保 険期間中に被った外出中のケガ のため、事故の発 subscription, before you subscribe.

生の日からその日を含めて１８０日以内に死亡または続 被保険者が負担された次のア～オの費用のうち社会通念上妥当な部分
けて３日以上入院※された場合を、その費用の負担者にお支払いします。
④保険期間中に病気により死亡した場合
ア．遭難した救援対象者※の捜索、救助または移送する活動に要した費用
※
※
（＊）
※
⑤保険期間中に発病した病気の治療 のため、３日以上続 イ．救援者 の現地 までの１往復分の交通費（救援者２名分まで）
ウ．
救
援者の現地および現地までの行程での宿泊料（救援者２名分かつ１
けて入院した場合。ただし、保険期間中に治療を開始し（＊）
名につき１４日分まで）ていた場合に限ります。
※
エ．
死
亡されたまたは治療を継続中の救援対象者を現地から移送する費（＊）
「被保険者」とは、この特約により補償を受ける方で、用※保険契約者、救援対象者または救援対象者の親族 をオ．諸雑費（救援者の渡航手続費および救援対象者または救援者が現地いいます。
において支出した交通費・通信費等をいいます。）ただし、日本国外で
左記「保険金をお支払いする場合」に該当した場合は10万円が限度となり、日本国内で左記「保険金をお支払いする場合」に該当した場合は３万円が限度となります。
（＊）上記イ、ウについては、左記「保険金をお支払いする場合」の②の場合において救援対象者の生死が判明した後または救援対象者の緊急な捜索・救助・移送もしくは救助活動が終了した後に現地に赴く救援者にかかる費用は含みません。
（注１）保険金のお支払額は、保険期間を通じ、救援者費用等保険金額が限度となります。ただし、保険期間が１年を超える保険契約においては、保険年度※ごとに保険金額が限度となります。
（注２）補償内容が同様の保険契約（異なる保険種類の特約や引受保険会
社以外の保険契約を含みます。）が他にある場合、補償の重複が生じることがあります。補償内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。

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

Tenant liability insurance
payment★Special clause for compensation for tenant liability (all risk)•Damage caused by the intentional action of the policyholder or the insured, or their legal representative. •Damage liability
arising from the insanity or instructions of the insured. •Damage arising from alterations, extensions and demolition work in
the rented housing. •Liability for damages added by a special agreement between the insured and the landlord. •Liability fordamages discovered after the rented housing has been vacated and returned to the landlord. •Damage resulting from war, otherforms of civil strife※, or riots. •Damage due to the effects of an earthquake or volcanic eruption, or of a tsunami caused by these.
•Damage resulting from the radiation, explosion, etc., of nuclear fuel materials or similar. •Damage to the rented housing due to
借家人賠償責任保険金
natural wear, deterioration, discoloration, rust, mold, rot, cracks, peeling, fermentation or spontaneous heat generation due to★借 家 人 賠 償 責 任 補 償 natural properties, rodent damage, insect damage or defects, etc. •Scrapes, scratches, peeling paint, warping, sagging, dents（オールリスク）特約
and other cosmetic defects or defacement that might normally be expected in the rented housing as a result of general usage
or management, but not resulting in any loss or deterioration of the functionality of the rented housing.
●保険契約者、被保険者またはこれらの方の法定代理人の故意による損害●被保険者の心神喪失または指図に起因する損害賠償責
任●借用住宅の改築、増築、取りこわし等の工事による損害●被保険者と貸主との損害賠償に関する約定によって加重された損害賠
償責任●貸主に借用住宅を引き渡した後に発見された損壊による損害賠償責任●戦争、その他の変乱※、暴動による損害●地震もし
くは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害●借用住宅の自然の消耗、劣化、性質による変色・さび・かび・腐敗・ひび割れ・はがれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●借用住宅の平常の使用または管理において通常発生し得るすり傷、かき傷、塗料のはがれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または汚損であって、借用住宅が有する機能の喪失または低下を伴わない損害 など
Rented housing repair
cost insurance payment★Special clause (for university students etc.) for
compensation for rented housing repair cost

•Damage resulting from the intentional action, gross negligence or law violation action of the policyholder, the insured, thelandlord of the rented housing, the recipient of the insurance or their representative. •Damage resulting from war, other formsof civil strife※, or riots (damages resulting from terrorist acts may be covered by a partial amendment special clause relating
to the exemption from war risk, etc., with conditions.). •Damage due to the effects of an earthquake or volcanic eruption,
or of a tsunami caused by these. •Damage resulting from the radiation, explosion, etc., of nuclear fuel materials or similar.
•Damage as a result of the exercise of official authority (seizure, confiscation, destruction, etc.). •Damage due to natural wear,
deterioration, discoloration, rust, mold, rot, cracks, peeling, fermentation or spontaneous heat generation due to natural

34

借用住宅修理費用保険金 characteristics, rodent damage, insect damage or defects, etc. •Damage resulting from technical negligence or ineptitude in★借 用住宅修理費用補償 the course of processing, repair, adjustment or other work being done on the rented housing. •Damage resulting from electrical or mechanical accidents (breakdowns, etc.) in the rented housing not directly attributable to sudden and unexpected ex（大学生等用）特約
ternal accidents. •Damage to the rented housing due to fraud or embezzlement. •Damage due to land subsidence, uplift, vibration, etc. •Scrapes, scratches, peeling paint, warping, sagging, dents and other cosmetic defects or defacement (including
graffiti) that might normally be expected in the rented housing as a result of general usage or management, but not resulting in
any loss or deterioration of the functionality of the rented housing. •Inevitable soiling, scrapes and scratches resulting from theuse of the rented housing. •Damage only to light bulbs, CRTs and other tubes or bulbs. •Damage due to the penetration orleakage of wind, rain, snow, hail, dust or similar.
●保険契約者、被保険者、借用住宅の貸主、保険金を受け取るべき方またはこれらの方の法定代理人の故意、重大な過失または法令違反による損害●戦争、その他の変乱※、暴動による損害（テロ行為による損害は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害●公権力の行使（差し押え・没収・破壊等）による損害●借用住宅の自然の消耗、劣化、性質による変色・さび・かび・
腐敗・ひび割れ・はがれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●借用住宅に対する加工・修理・調整の作業中における、作業上の過失または技術の拙劣による損害●不測かつ突発的な外来の事故に直接起因しない借用住宅の電気的事故・機械的事故（故障等）による損害●詐欺または横領によって借用住宅に発生した損害●土地の沈下、隆起、振動等による損害●借用住宅の平常の使用または管理において通常発生し得るすり傷、かき傷、塗料のはがれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または汚損（落書きを含みます。）であって、借用住宅が有する機能の喪失または低下を伴わない損害●借用住宅の使用により不可避的に発生した汚損、すり傷、かき傷等の損害●電球、ブラウン管等の管球類のみに発生した損害●風、雨、雪、雹(ひょう)、砂塵(じん)その他これらに類するものの吹込みや漏入による損害
など
Water pipe repair cost
insurance payment★Special clause (for university students etc.) for
compensation for rented
housing repair cost

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

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

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

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

（住宅内生活用動産保険金）損害保険金★住 宅内生活用動産補償（大学生等用）特約☆住 宅内生活用動産補償（大学生等用）特約の保険の対象および損害額 ●保険契約者、被保険者または保険金を受け取るべき方の故意または重大な過失による損害●生活用動産の使用・管理を委託され※の上限変更に関する特 た方または被保険者と同居する親族 の故意による損害●生活用動産の自然の消耗、劣化、性質による変色・さび・かび・腐敗・ひび
割れ・はがれ・発酵・自然発熱、ねずみ食い、虫食い、欠陥等による損害●生活用動産の平常の使用または管理において通常発生し約セット得るすり傷、かき傷、塗料のはがれ落ち、ゆがみ、たわみ、へこみその他外観上の損傷または保険の対象の汚損（落書きを含みます。）
であって、生活用動産が有する機能の喪失または低下を伴わない損害●風、雨、雪、雹（ひょう）、砂塵（じん）その他これらに類するものの吹込みや漏入による損害●生活用動産の置き忘れまたは紛失による損害●生活用動産が被保険者の居住の用に供される建物が所在する敷地内の外にある間に発生した事故による損害●戦争、その他の変乱※、暴動による損害（テロ行為による損害は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地震もしくは噴火またはこれらを原因とする津波による損害●核燃料物質等の放射性・爆発性等による損害●別記の「補償対象外となる主な『生活用動産』」の損害
破損、汚損等の事故については、上記の損害のほか次のいずれかに該当する損害に対しても、保険金をお支払いしません。
●公権力の行使（差し押え・没収・破壊等）による損害●生活用動産に対する修理、調整の作業（点検または試運転を伴う場合には、これらを含みます。）上の過失または技術の拙劣によって発生した損害●偶然な外来の事故に直接起因しない生活用動産の電気的事故・機械的事故(故障等)による損害●詐欺または横領によって生活用動産に発生した損害●土地の沈下、隆起、振動等による損害●電球、ブラウン管等の管球類のみに発生した損害●楽器の弦（ピアノ線を含みます。）の切断・打楽器の打皮の破損・楽器の音色または音質の変化による損害●生活用動産である液体の流出または混合による損害。ただし、その結果として他の生活用動産に発生した損害を含みません。●上記にかかわらず、破損、汚損等の事故によって、眼鏡、コンタクトレンズ、補聴器、義歯、義肢等の身体補助器具に発生した損害
など


35

など

(Insurance payment for private property for (Same as (Insurance payment for Private Property for Daily Life in Housing) Compensation Insurance)
daily life in housing) temporary expenses
insurance payment（（住宅内生活用動産保険金）損害保険金に同じ）★Special clause (for university studentsetc.) for compensation for private property for daily life in housing☆Set of special clause for changes in insurance coverage and in the upper limits of the damages amount of special
clause for compensation for compensation for private for daily life in housing (foruniversity students etc.)（住宅内生活用動産保険金）臨時費用保険金★住宅内生活用動産補償（大学生等用）特約☆住宅内生活用動産補償（大学生等用）特約の保険の対象および損害額の上限変更に関する特約セット
Rescuers’ expenses insurance payment★Special clause for compensation for rescuers’ expenses (hospitalization comprehensive type)☆Set of special clause for compensation
for illness (special clause for rescuers’
expenses (hospitalization comprehensive type)•Costs arising from the intentional action or gross negligence of the policyholder, the insured, the rescued party※ or the recipient of the insurance payment. •Costs arising from personal altercation, suicide or criminal acts.
•Costs arising from accidents caused by driving automobile※ or similar vehicles※ without a license or without
qualifications, or driving under the influence※ of alcohol※ or drugs, etc. •Costs arising from brains disorder,
illness, or insanity (note that this does not include cases where items (4) or (5) of “Cases in which insurance
payment will be paid” apply to the rescued party. •Costs arising from pregnancy, childbirth, premature birth or
miscarriage. •Costs arising from a surgical procedure or other medical treatment other than the treatment of
injuries for which the underwriting insurance company should pay insurance*. •Costs incurred due to war, otherforms of civil strife※, or riots (injuries resulting from terrorist acts may be covered by a partial amendment spe救援者費用等保険金
cial clause relating to the exemption from war risk, etc., with conditions.) •Costs incurred due to earthquake or★救援者費用等補償（入院ワイド型）特約 volcanic eruption, or a tsunami caused by these. •Costs incurred due to the radiation, explosion, etc., of nuclear☆疾病補償特約（救援者費用等補償（入院 fuel materials or similar. •Injury resulting from conditions that are not supported by medical objective findings※,ワイド型）特約用）セット
such as cervical syndrome※, lower-back pain, or backaches, no matter the cause. •Drowning while bathing※(excluding where this was caused by an injury resulting from a sudden and unexpected external event.) •Pneumonia resulting from aspiration (mis-swallowing)※, no matter the cause. •Costs arising from accidents during thecourse of “Sporting activities, etc., not compensated by insurance” described elsewhere.
●保険契約者、被保険者、救援対象者※または保険金を受け取るべき方の故意または重大な過失による費用●闘争行為、自殺行為または犯罪行為による費用●自動車等※の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中の事故による費用●脳疾患、病気または心神喪失による費用。ただし、救援対象者が「保険金をお支払いする場
合」の④または⑤に該当した場合を含みません。●妊娠、出産、早産または流産による費用●引受保険会社が保険金を支払うべきケガの治療※以外の外科的手術その他の医療処置による費用●戦争、その他の変乱※、暴動による費用（テロ行為による費用は、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●地
震もしくは噴火またはこれらを原因とする津波による費用●核燃料物質等の放射性・爆発性等による費用●原因がいかなるときでも、頸（けい）部症候群※、腰痛その他の症状を訴えている場合に、それを裏付けるに足りる医学的他覚所
見のないもの※●入浴中の溺水※（ただし、急激かつ偶然な外来の事故によって被ったケガによって生じた場合を除きます。）●原因がいかなるときでも、誤嚥（えん）※によって生じた肺炎●別記の「補償対象外となる運動等」を行っている間の事故による費用 など◎Main items of “personal property for daily life” not compensated by insurance(1) Personal property for daily life belonging to the insured and kept at the site of the insured’s parents’ home※.
(2) Ships (including yachts, motorboats, personal water craft, boats and canoes), aircraft, automobiles, motorized bikes and their accessories, para-gliders, surfboards, radio-controlled (including unmanned aircrafts etc.) models and their accessories, mobile phones and other types of mobile communication devices,notebook computers and other types of portable electronic devices and their accessories, living things such as animals and plants, currency, checks, securities,
revenue stamps, postage stamps, deposit certificates (including passbooks and cash cards), credit cards, pre-paid cards, loan cards, e-money, tickets, fishingtackle (fishing rods, hooks, rod cases, reels, tackle boxes, coolers, creels, nets, life vests and similar equipment for fishing), driving licenses, passports, passbooks, manuscripts (of books, etc.), designs, drawings, patterns, molds, wooden molds, papier-mâché molds, models, medals, insignia, licenses, programs anddata recorded on computer media such as tapes, cards, disks and drums (those not sold commercially), etc.
Note: With regard to currency, checks, revenue stamps, postage stamps, deposit certificates and tickets, etc., compensation is only paid if damage or loss has
been caused by the theft.
◎補償対象外となる主な「生活用動産」…
（１）被保険者の実家※の敷地内に収容される被保険者の生活用動産（２）船舶（ヨット、モーターボート、水上バイク、ボートおよびカヌーを含みます。）
・航空機・自動車・原動機付自転車およびこれらの付属品、パラグライダー・サーフボー
ド・ラジコン模型（無人機等を含みます。)およびこれらの付属品、携帯電話等の携帯式通信機器・ノート型パソコン等の携帯式電子事務機器およびこれらの付属品、動物・植物等の生物、通貨、小切手、有価証券、印紙、切手、預貯金証書（通帳およびキャッシュカードを含みます。）、クレジットカード、プリペイドカード、ローン
カード、電子マネー、乗車券等、漁具（釣竿、竿掛け、竿袋、リール、釣具入れ、クーラー、びく、たも網、救命胴衣およびこれらに類似のつり用に設計された用具をいいます。）、運転免許証、パスポート、帳簿、稿本（本などの原稿）、設計書、図案、ひな形、鋳型、木型、紙型、模型、勲章、き章、免許状、テープ・カード・ディスク・ド
ラム等のコンピュータ用の記録媒体に記録されているプログラム・データ（市販されていないものをいいます。）
など（注）通貨、小切手、印紙、切手、預貯金証書、乗車券等については盗難による損害が発生した場合に限り、保険の対象として取り扱います。

Explanation of terms marked with※•“No medical objective findings” means that, even though the insured is complaining of subjective symptoms, the evidence of these cannot be verified objectively
by EEG findings, physical examination, neurological examination, clinical examination, imaging examination, ophthalmic or otolaryngological examination, etc.
•“Doctor” means a doctor other than the insured(*), if the insured(*) happens to be a doctor. (*) The rescued party※ in the case of special clause for compensation
for rescuers’ expenses (hospitalization comprehensive type). Further, the victim in the case of special clause for compensation for condolence gifts to injured
parties. •“Plaster cast or similar” refers to plaster casts, plaster splints, plaster shells, splints and other similar items (meaning items that provide the same degreeof rest as rigid corsets, external fixators, and other medical casts, but not including bust bands, soft corsets, supporters, cervical collars, cardboard splints, kneebraces, etc.) •“Rescuers” means the families※ (including their representatives) of the rescued party travelling to the site※ in order to conduct search, rescue,transfer or nurse of the rescued party※, or handling of the incident. •“Rescued party” means the insured according to the general insurance policy. •“Sporting
contests and the like” means games, competitions, show business events (*) or trial runs. It includes free practice held at sports grounds for the purposes of36

preparation for competitions. (*) Also includes practice sessions for any of these. •“Cervical syndrome” refers to so-called “whiplash”. •“Injury” refers to physicalinjury suffered as a result of a sudden and unexpected event. “Sudden” means that the event occurred very rapidly and there was no lapse of a time interval up
to the point of injury. “Unexpected” means that “neither the cause nor the result of the insured event could have been foreseen by the insured, and that it was
not due to any intention of the insured”. “External” means that “the cause of the insured event was an action that occurred outside of the insured’s body, and not
the action of any illness factors inherent in the body”. “Injury” includes sudden poisoning (*) resulting from the unexpected and temporary inhalation, absorption
or ingestion of toxic gases or substances external to the body, and does not include any of the following. (1)Bacterial food poisoning (2)Viral food poisoning(*)
excluding poisoning resulting from continuous inhalation, absorption or ingestion. •“A prescribed part of the body that has been injured” refers to any of thefollowing parts of the body (not including the fingers, face, etc.). •Long bones (humerus, radius, ulna, femur, tibia and fibula, and hereafter the same), as well as
the three major joints of the upper and lower limbs that connect to the spine and long bones (but not including the metatarsal and metacarpal bones, or fingertips
or toes beyond these). However, this is limited to cases when a fixation device, such as a plaster cast or similar※ including long bones is fitted. •Ribs – sternum(but not including clavicle or scapula). However, this is limited to cases where a fixation device, such as a plaster cast or similar, is fitted to the trunk. •The “site”
refers to the place where an accident has occurred, or where the rescued party※ is being kept. •“Disability” means a state in which the effect of treatment※ cannot
be expected medically, and where a symptom remaining in the insured’s body has resulted in a serious impairment of function and will not recover in the future,or to the loss of a part of the body. Note that this excludes cases where the insured complains of a symptom that cannot be corroborated by medical objective
findings※. •“Aspiration” means when food, vomit, saliva, etc., has mistakenly entered the trachea. • “Replacement cost” refers to the amount of money thatwould be necessary in order to re-acquire the same structure, quality, use, scale, model and capacity as the insured item at the time and place of the damage.
Note, also, that the amount of money required for re-acquisition may be lower than the price of the insured item when it was first purchased. •“Parents’ home”
means the building at the address given by the insured as the contact address of their parents or persons whose position is equivalent to the insured’s parents,
to the school in which they are enrolled, or to the policyholder. •“Automobiles, etc.” means an automobile or a motorized bike. •“Driving under the influence ofalcohol” means driving an automobile※ while under the influence of alcohol, as stipulated in Article 65, paragraph 1 (Prohibition of Driving While Intoxicated, etc.)of the Road Traffic Law. •“Vehicles” means automobiles※, motorboats (including jet skis), go-carts, snow mobiles and other similar vehicles. •“Relative” means a
blood relative within six degrees, a spouse※ or an in-law within three degrees. •“Other forms of civil strife” means the exercise of military force by a foreign power,
revolution, insurrection, civil war, armed rebellion or other similar events. •”Treatment” means treatment that a doctor※ recognizes as necessary, and that a doctor
performs. •“Out-patient” refers to receiving medical treatment by going to a hospital or clinic, or by a doctor’s house-call or home treatment*, and also includes
on-line medical examination. However, it does not include drugs, examination certificates or receipts, etc., for medical equipment that are not part of the medical
treatment. Note that, if multiple on-line examinations are undergone in the same month and if the on-line examinations are counted as one instance in the medical
remuneration points chart in the public medical insurance system, the first examination only will be regarded as out-patient treatment.
•“Drowning” means suffocation as a result of inhaling water. •“Hospitalization” means, in cases where it would be difficult to receive medical treatment※ at one’s
home, etc., entering a hospital or clinic and committing to constant medical treatment under the care of a doctor※. •“Spouse” means a partner in marriage,
including cases where no marriage notification has been issued, but the relationship is effectively the same as a marriage (common-law marriage), as well as persons who are of the same gender in the family register, but whose relationship is not substantially different from that of a marriage. •The first “insurance year” isthe period of one year counted from the first day of the period of insurance, with subsequent years until the termination of the policy being the second insurance
year, third insurance year, etc. Note that, in the event of an insurance policy that has a period of insurance with a number of days fewer than one year, the first
insurance year will be from the starting date of the policy until the final day, and the second insurance year will be for one year from the day after the last day of
the first insurance year, continuing the same thereafter. •The “deductible” is an amount deducted from the amount of damages when the insurance payment isbeing calculated, and is the amount to be paid by the insured themselves.

〈特約について（学生・こども総合保険）〉○天災危険補償特約がセットされているため、地震もしくは噴火またはこれらを原因とする津波によるケガ※の場合も、傷害保険金をお支払いします。○すべてのご契約に「条件付戦争危険等免責に関する一部修正特約」が自動的にセットされ、保険金をお支払いしない場合のうち「戦争、その他の変乱※、暴動」については、テロ行為はお支払いの対象となります。テロ行為とは、政治的、社会的もしくは宗教・思想的な主義・主張を有する団体・個人またはこれと連帯するものがその主義・主張に関して行う暴力的行動をいいます。

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

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

〈※印の用語のご説明〉●「医学的他覚所見のないもの」とは、被保険者が自覚症状を訴えている場合であっても、脳波所見、理学的検査、神経学的検査、臨床検査、画像検査、眼科・耳鼻科検（＊）救援者査等によりその根拠を客観的に証明することができないものをいいます。●「医師」とは、被保険者（＊）が医師の場合は、被保険者（＊）以外の医師をいいます。
費用等補償（入院ワイド型）特約の場合は救援対象者※とします。また、傷害見舞費用補償特約の場合は被害者とします。●「ギプス等」とは、ギプス、ギプスシーネ、ギプ
スシャーレ、シーネその他これらに類するもの（硬性コルセット、創外固定器、その他医学上ギプスと同程度の安静を保つために用いるものをいい、バストバンド、軟性コル
セット、サポーター、頸（けい）椎カラー、厚紙副子、ニーブレース等は含まれません。）をいいます。●「救援者」とは、救援対象者※の捜索、救助、移送、看護または事故処理を行うために現地※へ赴く救援対象者の親族※（これらの方の代理人を含みます。）をいいます。●「救援対象者」とは、普通保険約款における被保険者をいいます。●（＊）いずれもそのための練習を含みま「競技等」とは、競技、競争、興行（＊）または試運転をいいます。また、競技場におけるフリー走行など競技等に準ずるものを含みます。
す。●「頸（けい）部症候群」とは、いわゆる「むちうち症」をいいます。●「ケガ」とは、急激かつ偶然な外来の事故によって身体に被った傷害をいいます。
「急激」とは、「事
故が突発的で、傷害発生までの過程において時間的間隔がないこと」を意味します。
「偶然」とは、「保険事故の原因または結果の発生が被保険者にとって予知できない、被保険者の意思に基づかないこと」を意味します。
「外来」とは、「保険事故の原因が被保険者の身体外部からの作用によること、身体に内在する疾病要因の作用でないこと」を意味します。
「傷害」には、身体外部から有毒ガスまたは有毒物質を偶然かつ一時に吸入、吸収または摂取した場合に急激に生ずる中毒症状（＊）を含み、次のいずれかに該当するものを含みません。①細菌性食中毒 ②ウイルス性食中毒（＊）継続的に吸入、吸収または摂取した結果生ずる中毒症状を除きます。●「ケガを被った所定の部
位」とは、次のいずれかの部位（指、顔面等は含まれません。）をいいます。・長管骨（上腕骨、橈骨、尺骨、大腿骨、脛骨および腓骨をいいます。以下同様とします。）または脊柱・長管骨に接続する上肢または下肢の3大関節部分（中手骨、中足骨およびそれらより指先側は含まれません。）。ただし、長管骨を含めギプス等※の固定具を装着した場合に限ります。・肋骨・胸骨（鎖骨、肩甲骨は含まれません。）。ただし、体幹部にギプス等の固定具を装着した場合に限ります。●「現地」とは、事故発生地または救援対象者※の収容地をいいます。●「後遺障害」とは、治療※の効果が医学上期待できない状態であって、被保険者の身体に残された症状が将来においても回復できない機能の重大な障害に至ったものまたは身体の一部の欠損をいいます。ただし、被保険者が症状を訴えている場合であっても、それを裏付けるに足りる医学的他覚所見のな」とは、食物、吐物、唾液等が誤って気管内に入ることをいいます。●「再調達価額」とは、損害が発生した時の発生した場所におけるいもの※を除きます。●「誤嚥（えん）
保険の対象と同一の構造、質、用途、規模、型、能力のものを再取得するのに必要な金額をいいます。なお、再取得に必要な額は、被害物を購入したときの金額より低い金額となる場合があります。●「実家」とは、被保険者の親またはこれに準ずる方の連絡先として、被保険者が在籍する学校または保険契約者に届け出た住所に所在する建物をいいます。●「自動車等」とは、自動車または原動機付自転車をいいます。●「酒気帯び運転」とは、道路交通法第６５条（酒気帯び運転等の禁止）第１項に定める酒（水上オートバイを含みます。）、ゴーカート、スノーモービル、その他
気を帯びた状態で自動車等※を運転することをいいます。●「乗用具」とは、自動車等※、モーターボート
これらに類するものをいいます。●「親族」とは、6親等内の血族、配偶者※および3親等内の姻族をいいます。●「その他の変乱」とは、外国の武力行使、革命、政権奪取、
内乱、武装反乱その他これらに類似の事変をいいます。●「治療」とは、医師※が必要であると認め、医師が行う治療をいいます。●「通院」とは、病院もしくは診療所に通い、または往診もしくは訪問診療により、治療※を受けることをいい、オンライン診療による診察を含みます。ただし、治療を伴わない、薬剤、診断書、医療器具等の受領等のためのものは含みません。なお、同月に複数回のオンライン診療を受けた場合で、公的医療保険制度における医科診療報酬点数表においてオンライン診療料を１回算定された場合は、最初の１回のみ通院したものとみなします。●「溺水」とは、水を吸引したことによる窒息をいいます。●「入院」とは、自宅等での治療※が困難なため、病院または診療所に入り、常に医師※の管理下において治療に専念することをいいます。●「配偶者」とは、婚姻の相手方をいい、婚姻の届出をしていないが事実上婚姻関係と同様の事情（内縁関係）にある方および、戸籍上の性別が同一であるが婚姻関係と異ならない程度の実質を備える状態にある方を含みます。●「保険年度」とは、保険期間の初日から起算して１年間を第１保険年度といいます。その後は満期日まで順次１年間ずつ、第２保険年度、第３保険年度…といいます。ただし、保険期間に１年未満の端日数がある保険契約の場合には、第１保険年度については、始期日からその端日数期間、第２保険年度については、第１保険年度の末日の翌日から１年間とし、以後同様とします。●「免責金額」とは、支払保険金の計算にあたって損害の額から差し引く金額で、自己負担となる金額をいいます。

Special clauses*(Students and children comprehensive insurance)

このパンフレットは、学生賠償責任保険の概要を説明したものです。詳しくは、取扱代理店または三井住友海上にご照会ください。
なお、ご加入の際は学生賠償責任保険の「重要事項説明書」「、制度のあらまし」を必ずご一読ください。

Insurance
agent
取扱代理店

University Co-operative Insurance Service Co.,Ltd.

Operating hours: weekdays (Mondays to Fridays) 9:40-17:30

株式会社 大学生協保険サービス

営業時間／平日（月〜金曜日）9：40〜17：30

Personal Liability Insurance for Students 学生賠償責任保険※•The special clause for compensation for natural disaster risk is a set, so injury insurance payment will be made even for injury resulting from earthquakes or
eruptions, or tsunami triggered by these. •All policies have a “Partial amendment special clause relating to the exemption from war risk, etc., with conditions”
automatically included as a set. With regard to “war and other forms of civil strife※, or riots”, which are excluded from the payment of insurance, acts of terrorism will be eligible for payment. Acts of terrorism are acts of violence related to beliefs or assertions and perpetrated by groups or individuals, or those in solidarity with them, who have political, social, religious or ideological beliefs or assertions.

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This pamphlet is for the purposes of giving an outline explanation of Personal Liability Insurance for Students. For details, contact your insurance agent or Mitsui
Sumitomo Insurance. Also, once you subscribe, be sure to read the “Explanation of Important Matters” for Personal Liability Insurance for Students and “Summaryof the Coverage”.

Underwriting
insurancecompany
引受保険会社

Mitsui Sumitomo Insurance Co., Ltd. (lead underwriter)
3-11-1 Kandasurugadai, Chiyoda-ku, Tokyo 101-8011

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

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