(This is a translation of the original text in Japanese.)
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Insurance effective
as of April 1, 2020

[Death benefits coverage of up to 20 million yen](optional enrollment for additional coverage)

Insurance for injuries from accidents

Academic
Year 2020

Guide to "Gakkensai" ("Gakkensai" is the abbreviation of the Personal Accident Insurance for Student Pursuing Education and Research )Cases where a student suffers a physical injury in Japan or overseas as a result of a sudden or fortuitous accident of an external origin
in the course of educational and research activities. Please note that illnesses are not covered by this insurance.
Injuries covered hereunder include toxic symptoms arising suddenly from the accidental inhalation, absorption or consumption of toxic
gases or substances in one breath or a physical impediment arising from sunstroke or heatstroke.

1 For accidents occurring during educational and research activities
Also covers
heatstroke
and food
poisoning!

① You burn yourself
on a Bunsen burner
during an experimentDuring education
al and research
activities…
refers to times during which you aretakingclasses, participa
ting in school ev
ents, etc.
See below for details!

❶ During regular curricular activities② A tent breaks at
a refreshment standduring a school festival
and you get bruised

During lectures, experiments, training, seminars, and practical training
courses (including schooling for correspondence education students)
and research activities under the supervision of an educator (Note 1).

❷ During school events

During the participation of all educational activities which include theentrance ceremony, orientation, and graduation ceremony, and otherevents hosted by the school.

③ You trip on thestairs at your schooland break a bone

❸ While in the premises of a school facility during times other than 1, 2, or 4

During periods when the insured is in school facilities owned, used or
managed by the school for education (Note 2).

❹ During extracurricular (club) activities

During cultural or athletic activities in accordance with the school
rules and regulations and under the supervision of a student group
approved by the school (Note 3).

④ You get a black eye
in a tennis tournament
held at another school

Note 1 Excludes periods where you are engaged in these activities for personal reasons.
Note 2 Excludes periods where you are in the dormitory, activities held in times or places
prohibited by the school and conduct prohibited by the school.
Note 3 Excludes periods where you are playing dangerous sports, activities held in times
or places prohibited by the school and conduct prohibited by the school.

2 For accidents occurring during the commute to schoolor while in transit between school facilities(Note 4)

3 For accidents occurring during clinical training(Note7)❶ During the commute to school

Measures to prevent
infectious disease fromcontact infection

While commuting to and from the residence(Note 6) and the school facility, etc. by reasonable
route(s) and methods (Note 5) for the purpose ofparticipating in regular classes, school eventsand extracurricular (club) activities, etc. of theschool.

You hit a bump in
the road while riding
your bicycle toschool causing you
to fall and dislocate
your shoulder.

Your finger gets prickedon a used syringe during
medical practice.

Note 4 Only if the insured is enrolled in a course where coverage for personal accidents
during commuting to school (abbreviated as "commuting coverage”) is added tothe original policy.
Note 5 Excludes methods prohibited by the school.
Note 6 This includes the place of employment for those who enter the school after
passing the entrance exam for adults.
Note 7 Only if the insured is enrolled in a course where coverage for the prevention ofcontact infection (abbreviated as "contact infection coverage”) is added to theoriginal policy.

❷ In transit between school facilities, etc.
Between two places including school facilities
with the same purpose and using the sameroute and method(Note 5) for commuting as thosedescribed in ① .

Students covered under this insurance

Period of insurance

Students eligible for this insurance are restricted
to those currently enrolled in graduate schools,
universities, junior colleges or technical colleges
stipulated within the School Education Law thatare supporting members of Japan Educational
Exchanges and Services.

・Students admitted in April:
From 0:00 a.m., April 1 to 12 p.m., March 31 of the expected academic year of graduation.
・Students admitted in September:
From 0:00 a.m., September 1 to 12 p.m., August 31 of the expected academic year of graduation.
・Students admitted in October:
From 0:00 a.m., October 1 to 12 p.m., September 30 of the expected academic year of graduation*The above applies to optional enrollment (decided by the student). If the student does not pay the premium by the day before theinsurance period begins, the insurance period shall be from midnight the day after the premium is paid until the end of the period.
For joint enrollment of all students, please refer to page 4.

This university/college offers the Personal Accident Insurance for Students Pursuing Education and Research provided by Japan Educational Exchanges and Services(JEES). This insurance is provided to all students in the event of unexpected accidents during their educational and research activities while at university/college.
For further information on the terminology used, please read the "Handbook for Enrollment" of this insurance available.

11. Insurance premiums
Basic contract
Period ofInsurance

Additional coverage (Note 1)
Additional coverage for commuting
accidents

Correspondence
Education

Additional
coverage for theprevention ofcontact infection

Daytime Classes

Evening
Classes

1 year

650 yen

100 yen

350 yen

20 yen2 years

1,200 yen

200 yen

550 yen

40 yen3 years

1,800 yen

300 yen

800 yen

4 years

2,300 yen

400 yen

5 years

2,800 yen

500 yen

1,250 yen

80 yen6 years

3,300 yen―

1,400 yen

100 yenDaytime/Evening
Classes

100 yenCorrespondence
Education

50 yen40 yen1,000 yen

(Note 1)
Add additional premiums for
additional coverage desired.

70 yen＊ The annual premium is charged even for those enrolling midway through the academic year.
＊ The option for commuting coverage for evening classes in the 6th year is not available.

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

Benefits“Regular curriculum” “During school events”

20 million yen“While in school facilities outside of regular curricular activities or school events”“While participating in extracurricular (club) activities”“During the commute to school or transit between school facilities of the additionally covered insured for thecommute to school.”

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

Benefits“Regular curriculum” “During school events”

According to extent
1.2 million yen – 30 million yen“While in school facilities outside of regular curricular activities or school events”“While participating in extracurricular (club) activities”“During the commute to school or transit between school facilities of the additionally covered
insured for the commute to school.”

According to extent
600,000 yen – 15 million yen(Note 2)
Death benefits will be paidin cases that fall under both
death benefits and physicaldisability benefits.

(3) Medical benefits (Cases of receiving treatment from a doctor) • Additional hospitalization benefits
Number of treatmentdays (Note 3)

Type of Activity in Which Accident Occurred（Not covered）

1day ～

3 days3,000 yen

4 days ～6 days6,000 yen

7 days ～13 days

15,000 yen

14 days ～29 days

30,000 yen

30 days ～59 days

50,000 yen

60 days ～89 days

80,000 yen

90 days ～ 119 days

110,000 yen

120 days ～ 149 days

140,000 yen

150 days ～ 179 days

170,000 yen

180 days ～ 269 days

200,000 yen

270 days or more

300,000 yen（Not covered）（

Covered fromthe first day oftreatment.

）（

During regularcurriculum / school
events）（Covered in the caseof treatment for 4days or more.

While in the premises ofa school facility outside
the extracurricular (club)
activities / during thecommute to school / transit
between school facilitiesof the additionally covered
insured for the commuteto school.

）

Covered in the caseof treatment for 14
days or more.

Duringextracurricular(club) activities
regardless ofwhether it is insideor outside theschool facilities

Additional hospitalization
benefits (up to 180 days)

Benefits（

Hospitalization

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

）（Note 3）
Refers to the actual number of days of hospitalization or outpatient treatment. It is the actual number of days of treatment from when the injury was sustained
until the last day of treatment recognized by a physician as being necessary. Please note that not all days during the period of treatment shall be covered.
Points to note
(1) The above claims are paid regardless of the compensation from life insurance, health insurance, other accident insurance or the individual that caused the injury.
(2) Claims are limited to the amount above, so it is not possible to enroll in multiple courses.
(3) Even if you visit several hospitals on the same day, the number of days of treatment is still one (1) day. Note that even if you visit two hospitals on the same day,the number of days of treatment will not be two.

(4) Contact infection prevention benefits (Note 4)
Scope of Compensation

Benefits

During clinical training

15,000 yen per one accident (fixed payment)

2(Note 4) Paid in the event that measures to prevent infectious diseases werereceived for unexpected contact with infectious pathogens within
facilities used for the purpose of clinical training provided that measures
to prevent infectious diseases are received within 180 days after the
event (including the day of the event).

3. Enrollment details• Handling of insolvency cases of an insurance company
In the event that the underwriting insurance company should become
insolvent, there may be cases where the payment of claims, refunds,
etc. is frozen for a certain period of time or where the amount of claims,
refunds, etc. is reduced. Moreover, this insurance shall fall under the Nonlife Insurance Policyholders Protection Organization of the Insurance
Business Act, and claims and refunds shall be partially compensated by theOrganization. Partial compensation by the Organization shall be as follows:• The period of insurance is under one year: In principle, 80% (or 100%for claims arising from an insured event within three months of thesuspension of payment of an insolvent insurance company.)• The period of insurance is over one year: In principle, 90% (or below 90%
for over five years in the event that the rate of return on policies used to
calculate premiums at the time of insolvency of the underwriting insurancecompany has always been higher than the standard interest rate set by
the cabinet minister in charge for the past five years.

Follow instructions as given by your school, as enrollment procedures
and the courses available differ at each school.

4. Main cases not covered under benefits• Accidents (injuries) due to the following reasons:Willful acts or gross negligence of the policyholder or the insured (those
covered under this insurance) or beneficiary; acts of conflict, suicide, or
crime by the insured, accidents caused while driving unsafely due to being
unlicensed or under the influence of alcohol or narcotics; encephalopathy,
diseases, or insanity; pregnancy, childbirth, preterm birth or miscarriage;
medical treatment for surgery (excluding cases for treatments of injuries
covered under this insurance); earthquakes, eruptions, or resulting tsunamis(excluding periods the insured is engaged in observational activities ofthese natural phenomena); war, insurrections, and riots; accidents due
to harmful substances from nuclear fuel materials (excluding periods theinsured is engaged in research or experiments that use devices that utilize
nuclear fuel materials, nuclear fuel contaminants, or similar substances);radiation or radioactive contamination (excluding periods the insured is
engaged in research or experiments that use devices that emit radiation orradioactivity); medically objective symptoms such as whiplash or lumbago;
accidents during dangerous outdoor extracurricular activities including
mountain climbing (activity that use mountain pick axes), luge, bobsledding,hang gliding, and skydiving, etc.; competition, trial runs, or free runs oncompetition grounds of vehicles or automobiles as extracurricular activities;
the execution of the insured’s sentence, etc.
Accidents that do not fulfill the conditions of being sudden,
unexpected, and of an external origin, such as acute alcoholic
intoxication caused by drinking alcohol or injuries that become
aggravated over time, are not covered.

• Guide regarding the handling of private information
Japan Educational Exchanges and Services (JEES), the policyholder ofthis insurance, will provide private information concerning the names,
student numbers, payment dates, etc. of students enrolled in this insurance
to the underwriting insurance companies in relation to this insurance.
The underwriting insurance companies and their group companies* will
use such private information concerning this contract for the purposes ofunderwriting decisions, management and implementation of duties under
this contract, provision of incidental services, information and provisionof various other insurance and financial products and related services,conducting questionnaires, as well as in cases 1 to 5 mentioned below. The
purposes of using particular confidential health and medical information(sensitive information) are restricted to the scope considered necessary
for the appropriate operation of insurance business and the like, under the
Insurance Business Law Enforcement Regulations.
(1) Private information in this contract shall be provided to entities toaccomplish purposes of use deemed necessary. Entities include entrusted
businesses (including insurance agencies), insurance brokers, medical
institutions, entities related to insurance claims and payments, financial
institutions, and the like.
(2) Private information shall be used in cooperation with other insurancecompanies and the General Insurance Association of Japan for the
purpose of making decisions regarding insurance claim payments andother matters.
(3) Private information shall be used in cooperation between Tokio Marine& Nichido Fire Insurance Co., Ltd. and its Group companies, as well as
between Tokio Marine & Nichido Fire Insurance Co., Ltd. and affiliatedcompanies for the purpose of providing and introducing products andservices.
(4) Private information shall be supplied to reinsurance companies for the
purposes of entering, renewing and managing reinsurance contracts.
(5) Private information shall be provided to secured parties for administrative
procedures regarding the establishment, etc. of security rights of pledges,
liens, etc., as well as the management, and exercise of such rights.
For details, please refer to the websites of Tokio Marine & Nichido Fire
Insurance and other underwriting insurance companies.
Private information will be included in a list of enrolled members preparedby their schools which JEES submits to Tokio Marine & Nichido. Should
you find it difficult to agree to the above, you are requested to inform JEES
immediately. (Agreement to the above is required to enroll in this insurance.)

5. Other• Duty of disclosure
Please confirm the duty of disclosure on page 4.

• Duty of notice
After enrolling in this insurance, please inform the section in charge (thestudents section, student support section, health center, etc.) without delayin the occurrence of any of the following:• Changes from day, evening, or correspondence classes• Withdrawal from school (including expulsion and death).
• Absence from school for one year or more in total during the period of
insurance• Cautions in the event of an accident
In the case of an accident covered under this insurance, report the time,
place, situation, and extent of damages for accidents to the section
in charge of your university, as well as inform the school insurance
counter of Tokio Marine & Nichido Fire Insurance Co., Ltd. by using
either an Accident Notice postcard (available at your university), byfax, or alternatively, by PC via the Accident Report System. Please beaware that the right to request claims is bound by the statute of limitations of
three years.

• Designated beneficiary for death benefits
Death benefits will be paid to the legal heir of the deceased.
• This guide introduces the details of Personal Accident Insurance for Students Pursuing Education and Research. Before enrolling, please be sure tocarefully read the Explanations of Important Points. The details of this insurance contract given in the insurance clauses mentioned on JEES webpage.
For any points unclear to you, please contact the counter of this university/college (the student section, student support section, health center). Afterenrolling, please read the “Handbook for Enrollment of Personal Accident Insurance for Students Pursuing Education and Research.”• Personal Accident Insurance for Students Pursuing Education and Research is a contract of coinsurance entered into between Japan
Educational Exchanges and Services and the following insurance companies, Tokio Marine & Nichido Fire Insurance Co., Ltd. acting forand on behalf of the other insurance companies. Each insurance company bears obligations under the contract, not jointly but separately,in accordance with its underwriting share determined at the time of acceptance. For details of the shares, please confirm with JEES.
Aioi Nissay Dowa Insurance

Sompo Japan Nipponkoa Insurance*

Tokio Marine Nichido (Lead insurance company)

Mitsui Sumitomo Insurance• This insurance, Personal Accident Insurance for Students Pursuing Education and Research, is a group contract between Japan Educational
Exchanges and Services (JEES), the policyholder, and students, the insured (those eligible for insurance), who are enrolled in schools that aresupporting members of JEES. In principle, JEES reserves the right to request the insurance policy and the right to cancel the insurance contract.
〈Policyholder〉
Japan Educational Exchanges and Services
Student Insurance Division, Student Support Department〒 153-8503 4-5-29 Komaba, Meguro-ku, Tokyo
TEL：03-5454-5275 URL：http://www.jees.or.jp/〈Underwriting Lead Insurance Company〉
Tokio Marine & Nichido Fire Insurance Co., Ltd.

For further information, please read the “Handbook for Enrollment” of this insurance available on the JEES website.

JEES 学研災*Sompo Japan Nipponkoa Insurance will change its name on April 1, 2020 to Sompo Japan subject to the approval of the relevant authorities.

3

SearchExplanation of Important Points(Please be sure to read the Contract Overview & Points of Attention.)

Please make sure to read this.
Contract Overview & Points of Attention Explanation● The Contract Overview gives particularly important information
for understanding the details of this product of insurance. Pleasebe sure to read it before enrolling.
● The Points of Attention contain matters which may bedisadvantageous to enrolling students and also other matterswhich are very important to them at the time of enrollment.
Please be sure to read it before enrolling.
● This document does not contain all information about thisinsurance. Full details are given in the insurance clauses, etc.
mentioned on the webpage of Japan Educational Exchanges
and Services (JEES). For questions and concerns, etc., pleasecontact JEES or Tokio Marine & Nichido Fire Insurance Co., Ltd.
* Please keep something from which subscription details can beunderstood, such as this “Guide” or the "Handbook for Enrollment of
Personal Accident Insurance for Students Pursuing Education andResearch", etc.

Contract Overview
1. Framework and conditions of acceptance(1) Product Framework
This insurance, Personal Accident Insurance for Students
Pursuing Education and Research, is a group contract between
Japan Educational Exchanges and Services (JEES), thepolicyholder, and students, the insured (those eligible for
insurance), who are enrolled in schools that are supporting
members of JEES. In principle, JEES reserves the rightto request the insurance policy and the right to cancel the
insurance contract.
Please confirm the scope, etc. of the insured covered under thisinsurance on page 1.
(2) Compensation and Period of Insurance (Insurance Contract
Period)Please confirm ①the type payable under this insurance, ②maincases with no compensation, and ③ the period of insurance andother details on pages 1-3.
(3) Conditions of acceptance (the insured amount, etc.)
These are the underwriting conditions of the insurance (theinsured amount, etc.) of the prearranged insurance courses.
Please confirm details about insurance types on page 2.
2. Premiums and methods of payment for premiums
Premiums are decided based on the applicable premiumsby category and other factors. Please confirm the details
on premiums and methods of payment on page 2, and pay
premiums as instructed by your school.
3. Maturity refunds and policyholders’ dividends
There are no maturity refunds nor policyholders’ dividends under
this insurance.

Points of Attention
1. Cautions about common compensation○ When signing a contract for a policy rider that covers
personal liability and the insured or a family member has
signed a similar insurance contract (including riders attached
to other insurance contracts and insurance contracts withother companies), coverage may overlap.
○ If coverage overlaps, either insurance contract may cover
the accident, but the other may not pay the claim. Check the
differences in coverage and the premiums when considering
the necessity of a rider (Please be aware that when goingwith a single contract, in the future if you cancel that contract
or make changes such as from living together to living

separately and the insured is no longer covered, you may
lose coverage.).
2. Duty of disclosure
When enrolling in this insurance, it is the insurance applicant’s
duty to inform the underwriting insurance company with
important information (*).
・If required information is missing or the given information
is different from factual information when enrolling in thisinsurance, the contract will be cancelled and payments may
not be paid in some cases.
・The same applies when entering into this insurance contract
on behalf of someone else and the information appearing
in the collective report is left out or is incorrect, either
intentionally or due to negligence on the part of the insured
person (person subject to the insurance) or his/her proxy,even if the contract holder or his/her proxy is not at fault.
(*) Includes matters related to other insurance contracts, etc.
3. Duty of notice(1) Points of concern after enrollment (duty of notice, etc.)① Please confirm the details about the obligation of reporting
withdrawal from school, the procedure in the occurrence ofan accident, etc. on page 3. Insurance claims cannot be paid
and enrollment may be cancelled without the report noticeand procedures.
② The amount of premium may change after we receive thedetails from you. If that is the case, we will calculate theamount for the period after the change is made on thebasis of the information given in the collective report andother documents and you will either be charged or refunded
accordingly.
(2) Acceptance of a renewal contract
Depending on claims made, etc., there may be cases where wefind it difficult to renew your contract for the next term or where
we find it necessary to limit the conditions of insurance.
4. Commencement of liability(1) Liability for insurance for students admitted in April begins
at 0:00 a.m., April 1. However, commencement for insurance
after April 1 shall be as follows.
① Enrollment of all students: If the enrollment date decided* ata faculty is after April 1, the coverage period shall commencefrom 0:00 a.m. of the resolved date of enrollment.
② Optional enrollment: If the date of the application is on orafter April 1, the coverage will begin from 0:00 a.m. ofthe day subsequent to the date when students pay theprescribed premiums to the member school they belong to.
(2) Liability for insurance for students admitted in September
begins at 0:00 a.m. September 1. However, commencement
for insurance after September 1 shall be as follows.
① Enrollment of all students: If the enrollment date decided*
at a faculty is after September 1, the coverage period shallcommence from 0:00 a.m. of the resolved date of enrollment.
② Optional enrollment: If the date of the application is on orafter September 1, the coverage will begin from 0:00 a.m.
of the day subsequent to the date when students pay theprescribed premiums to the member school they belong to.
(3) Liability for insurance for students admitted in October
begins at 0:00 a.m. October 1. However, commencement for
insurance after October 1, shall be as follows.
① Enrollment of all students: If the enrollment date decided*
at a faculty is after October 1, the coverage period shallcommence from 0:00 a.m. of the resolved date of enrollment.
② Optional enrollment: If the date of the application is on orafter October 1, the coverage will begin from 0:00 a.m.
of the day subsequent to the date when students pay theprescribed premiums to the member school they belong to.
*The enrollment date cannot be earlier than the date ofdetermination.

Insurance for Students Pursuing Education and Research, Additional coverage forcommuting accidents, and Additional coverage for the prevention of contact infection).
□ Insurance benefits (contract benefits)□ Premiums and Period of insurance (contract period of insurance)□ Methods of payment for premiums
2. Have you read and understood the Explanations for Important Points [Contract
Overview/Points of Attention]?
Points of Attention contain main cases not covered under this insurance, etc., which may bedisadvantageous to customers, cautions about common compensation*, and disclosure/notice
obligations. Please make sure that you read them carefully.
* For example, the scopes of compensation overlap in cases where a rider that covers
personal liability is attached and you have signed another insurance contract of a similar
nature.

Check items for enrollment (confirming intention)
These check items are intended to make sure that customers may safely rely on this insurance
in the event of an accident, by ascertaining that the product of insurance which customers aregoing to enroll in fully meets their needs and that they have made correct entries on items which
are particularly important in applying for this insurance.
Please take the time to look over each of the following points.
For any questions or concerns, please inquire the contact for inquires as mentioned in the “Guide”
and other documents.
1. Please make sure that the content of this product of insurance fully meets your needsin the following areas by referring to the "Guide" and its "Explanations for Important
Points". If an area does not meet your needs, please reconsider the terms andconditions of this insurance:□ Conditions and types of claims payable under this insurance (including Personal Accident

For concerns
or consultation
about
insurance:

5. Main cases not covered under this insurance
Please confirm on page 3.
6. Handling of insolvent insurance companies
In the event that the underwriting insurance company should
become insolvent, there may be cases where the payment ofclaims, refunds, etc. is frozen for a certain period of time orwhere the amount of claims, refunds, etc. is reduced. Pleaseconfirm details on page 3.
7. Coinsurance
Please confirm details about coinsurance on page 3.
8. Handling of private information
Please confirm on page 3.
9. Cancellation by request of the insured
The insured may cancel enrollment upon request. For details on
this policy and procedures, inquire the contact for inquires asmentioned in the “Guide” and other documents. These details
should be explained to family members of the insured.
10. Insurance claims filed by a proxyIn the event that the insured cannot file a claim and when there
is no beneficiary to accept insurance payments, a spouse or
relative that meets the conditions prescribed by the Company
may file an insurance claim as a proxy. For details, submit an
inquiry to the contact for inquires as mentioned in the “Guide”
and other documents. These details should be explained tofamily members of the insured.
11. Cancellation due to revocation of enrollment, nullification orsignificant reasons○ In the event that the policyholder, the insured or recipient of
insurance money engages in fraud or coercion at the timeof enrollment, Tokio Marine & Nichido Fire Insurance may
revoke enrollment.
○ Enrollment shall be nullified in the event that any of thefollowing apply:
・Cases where the policyholder intended to illegally acquire
insurance money or have another person illegally acquire
insurance money at the time of enrollment
・The insured person's consent was not obtained when
designating a death insurance money recipient (except incases where a legal heir of the insured is designated as therecipient)○ In any of the following cases, Tokio Marine & Nichido Fire
Insurance may cancel enrollment. Note that in such cases,
the company may not be able to pay the insurance money
either in whole or in part.
・The policyholder, insured or recipient of insurance money
caused damages or injury with the purpose of having Tokio
Marine & Nichido Fire Insurance pay insurance money basedon this policy.
・The policyholder, insured or recipient of insurance money
is affiliated with organized crime or is deemed to be anotherwise antisocial force, etc.
・The insured or recipient of insurance money engaged infraudulent activity with respect to the claim for insurancemoney based on this policy.

School Insurance Desk, Tokio Marine Nichido

Tokio Marine & Nichido Fire Insurance Co., Ltd.
Educational Organization Division Government Sector Dept. 2〒 102-8014 6-4 Sanbancho, Chiyoda-ku, Tokyo

For contact or（toll-free）
consultation
This number connects you to your School Insurance Desk, so calls may
about
be returned from another School Insurance Desk in charge of your school.
accidents:
Business hours: 9 a.m. to 5 p.m. on weekdays (Excludes Saturdays, Sundays,
public holidays and at the end of the year and the New Year holiday period)

0120-868-066

TEL：03-3515-4133

The General Insurance Association of Japan
Designatedconflict
resolution
institution:

Tokio Marine & Nichido Fire Insurance Co., Ltd. has concluded a basic procedure implementation agreement
General Insurance Alternative Dispute Resolution (ADR) Center (Designated conflict resolution institution) with the General Insurance Association of Japan – a dispute resolution organization designated by the Directorof the Financial Services Agency under the Insurance Business Law. If it is not possible to resolve a problem with
Tokio Marine & Nichido Fire Insurance Co., Ltd., it is possible to file a petition for resolution to this organization.
＜ charged call ＞
For more information, please visit the website of the General Insurance Association of Japan.
When calling from IP phones, please call on 03-4332-5241.
(http://www.sonpo.or.jp/)
Business hours: 9:15 a.m. to 5 p.m. on weekdays(Closed on Saturdays, Sundays, public holidays and the New Year holiday period)

0570-022808

4

Drafted in January 2020

19-T02848

J-1