20240222_10412453_05.indd_1519

Insurance effective
as of April 1, 2024

Handbook for Enrollment of
Liability Insurance Coupled with Gakkensai"Futaibaiseki"
Course A

Liability Insurance for Students Pursuing Education andResearch "Gakkenbai"

Course B

Liability Insurance for Internships, Professional
Qualification Activities, etc. "Intern-bai"Course C

Liability Insurance for Medical Students Pursuing Studyand Research "Igakubai"

You are enrolled in this insurance.
This insurance protects you when you bear legal
liability for damages arising from inflicting injuries tothird parties or damaging any property belonging tothird parties. Please be sure to read this handbook in
preparation for unexpected accidents.

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

<For your records> The enrolling student should fill in these details.
Year ofEnrollment

Name

Years

Period ofInsurance

Years

Insurance
CourseA

B

C

20240222_10412453_05.indd_1519

For enrolling students
The details of this insurance and your obligations as the insured (those who may receive
compensation) are determined by various regulations of the Standard Provisions for Personal
Liability Insurance and others.
This handbook contains particularly important points in provisions and clauses. Please readthem in preparation for emergencies, and store it in a readily available place.

<Contents>
I. Overview of “Liability Insurance Coupled with Gakkensai” (pp. 2 – 4)
1. Period of this insurance
2. Content of this insurance
3. Scope of activities covered under this insurance
4. Main cases covered under this insurance
5. Main cases with no compensation
6. Changes to terms of contract(withdrawal, absence, department transfer, etc.)
II. Procedures in the event of an accident (p. 5)
1. Process flow of an accident
2. Procedures in the event of an accident
III. Applicable clauses in “Liability Insurance Coupled with Gakkensai” (pp. 6 – 16)
IV. Explanations of Important Points (p. 17)
1. Contract Overview
2. Points of Attention
V. Occurrence of an accident (p. 18)
VI. Addresses for insurance claims (Wellness Insurance Money Support Dept,
Tokio Marine & Nichido Fire Insurance Co., Ltd.) (p. 19)
VII. Other (p. 19)“Liability Insurance Coupled with Gakkensai” is a contract of co-insurance entered into between Japan Educational
Exchanges and Services (JEES) and the insurance companies listed below (to be confirmed), with Tokio Marine &Nichido Fire Insurance Co., Ltd. acting for and on behalf of the other insurance companies. Each insurance company
bears obligations under the contract, not jointly but separately, in accordance with its underwriting share determined at
the time of acceptance. For details of the shares, please confirm with JEES.
Aioi Nissay Dowa Insurance Sompo Japan Insurance
Tokio Marine Nichido (Lead insurance company) Mitsui Sumitomo Insurance

20240222_10412453_05.indd_1519

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

Compensation Amounts (limits of coverage), Premiums, Period of Insurance
The course to be selected may vary depending on the school. For more information, please contact your school’s help desk.

1. Scope of activities
Courses

Course A (＊1)

Course B (＊2)

Course C (＊3)

Internships, Hands-on nursing care activities,
educational practicum, nursery practicum, volunteer
activities and commuting to and from them (＊4)

○

○

○

Regular curricular activities, school events andextracurricular activities (＊5) other than the above
and commuting to and from them

○

×

○

Medical-related practicum (＊6) and the commute

×

×

○

Activities("Gakkenbai")("Intern-bai")("Igakubai")(＊1) Excludes medical-related practicum. Includes pharmaceutical educational practical training.
(＊2) Excludes medical-related practicum and pharmaceutical educational practical training.
(＊3) Includes medical-related practicum.
(＊4) Limited to regular curricular activities, school events and extracurricular activities(＊5) recognized by the school.
(＊5) The internship or volunteer activities carried out for internship or volunteer purposes by student groups in the school approvedby the academic institution in accordance with the formalities prescribed by the school. However, any activity held in times andlocations prohibited by the school and prohibited conduct shall not be covered.
(＊6) Medical-related departments and studies refers to regular curricular activities and school events recognized by the university.

2. Compensation amounts (limits of coverage) and premiums
Course A
Limit of coverage (＊1)

Course B

Course C

100 million yen per accident combining both bodily injury and property damage. (No deductible)(＊2)

Premiun per insured person

1 year

340 yen

210 yen

500 yen

2 years

680 yen420 yen

1,000 yen

3 years

1,020 yen

630 yen

1,500 yen

4 years

1,360 yen

840 yen

2,000 yen

5 years

1,700 yen

1,050 yen

2,500 yen

6 years

2,040 yen

1,260 yen

3,000 yen(＊1) Limit of coverage for one insured person per year.
(＊2) A deductible is the amount of money deducted from damages within calculated insurance payments.
Deductible means the amount to be borne by the insured.
※ The annual premium is charged even for those enrolling midway through the academic year.
※ Cancellation is possible during the insurance period, but the premium for that academic year will not be refunded.

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I. Overview of “Liability Insurance Coupled with Gakkensai”
1. Period of this insurance
The period of insurance shall fall under one of the following.
Conclusion of Insurance(＊1)

Commencement of Insurance

Students admitted in April

From 0:00 a.m., April 1

Until 12 p.m. on March 31 of the following year

Students admitted in September

From 0:00 a.m., September 1

Until 12 p.m. on August 31 of the following year

Students admitted in October

From 0:00 a.m., October 1

Until 12 p.m. on September 30 of the following year

In the following cases, however, the commencement dates shall be as follows:<Enrollment of all students (decided by the school)> In the case where the enrollment The insurance period shall commence from 0:00
date decided(＊2) at a school is after the commencement of insurance listed above:a.m. of the resolved date of enrollment.
<Optional enrollment (decided by the student)> In the case where the date the insured
The insurance period shall commence from 0:00
(students) applied for insurance at the schools they belong to with the payment ofa.m. of the day following the application date.
prescribed premiums comes after the listed above commencement of insurance(＊3)(＊1) For 1 year enrollments. For multi-year contracts, the insurance remains in effect until the end of the academic year in which the insurance ends.
(＊2) The enrollment date cannot be earlier than the date of determination.
(＊3) In principle, application shall be submitted at the same time as university/college admission procedures.
If you are not sure about when the insurance period commences, please contact the section in charge at your school (student services, student
support, insurance center, etc.).

2. Content of this insurance
Students will be covered up to the limit of payment against damages for which, during the period of this insurance, they may be held legally
liable to pay in Japan or abroad by inflicting injuries to third parties or damaging any property belonging to third parties during their curricular
activities, extracurricular activities(＊1), or school events, and while commuting to and from them.
(＊1) The internship or volunteer activities carried out for internship or volunteer purposes by student groups in the school approvedby the academic institution in accordance with the formalities prescribed by the school. However, any activity held in times andlocations prohibited by the school and prohibited conduct shall not be covered.

3. Scope of activities covered under this insurance○ Course A (Excludes medical-related practicum. Includes practical training in pharmaceutical educational practical training.)
During regular curricular activities, school events, extracurricular activities (＊1 above) and commuting to and from them (includes the scope
covered in Course B)○ Course B (Medical-related practicum and practical training in pharmaceutical education shall not be covered.)Internships, hands-on nursing care activities, educational practicum, nursery practicum, volunteer activities and commuting to and fromthem. However, such activities are restricted to those approved by the school as regular curricular activities, school events or extracurricular
activities (＊1 above).
○ Course C (Includes medical-related practicum.)
Regular curricular activities in the medical-related department and studies, school events, extracurricular activities (＊1 above), andcommuting to and from them (includes cases covered in Courses A & B) edical-related practicum (covered in Course C) and pharmaceutical educational practical training (covered in Courses A & C) shall be※Mcovered hereunder if the following requirements are met in such cases as where ① it is recognized as a regular course by the school, ② the insured
is not engaged in business (including a parttime job) related to his/her particular professional qualification, and ③ proof of ①&② are obtainable atthe school. For details, please contact the section in charge at the school (the students section, student support section, health center, etc.).
(Note)
・The scope of coverage for Course A and Course C includes the scope of coverage in Course B, so there is no need for students enrolled in
Courses A or C to enroll in Course B.
・Accidents during club activities(＊2) shall not be covered by insurance benefits. However, coverage shall be provided for actsthat occur while the insured is in transit between the residence and a facility that is the location for an activity, by reasonable
route(s) and methods, when participating in club activities (excluding activities, etc. prohibited by the school) aligned to regularcurriculum or school activities on the same day.
(＊2) “Club activities” refers to cultural or athletic activities in accordance with the university rules and regulations and under the supervisionof a student group approved by the school. However, this excludes when the insured is engaged in extracurricular activities (＊1 above)
and/or activity and prohibited conduct held in times and locations prohibited by the school.

4. Main cases covered under this insurance※ This insurance is composed of Premises Liability Insurance, Product Liability Insurance and Bailees Liability Insurance.
(1) When the insured bears legal liability during the period of this insurance for inflicting injuries to third parties (including death resulting fromthe injury; the same applying hereinafter) or damages to any property belonging to third parties (including loss, breakage or stains) as aresult of any of the following accidents (＊1):
a. An unexpected accident occuring during the activities specified in "3. Scope of activities covered under this insurance" above(hereinafter "activities"), which are caused by the implementation of these activities (Premises Liability Insurance).
b. An accident caused by food or drink or goods (including pharmaceuticals, hereinafter “products”) supplied in connection with school
curricula, school events, or extracurricular activities (＊1 above) which were not in possession of the insured party, or an accident causedby these activities and arising after completion of these activities (Product Liability Insurance).

－ 2 －20240222_10412453_05.indd_1519(2) When the insured is held legally liable to the rightful owner of property belonging to third parties (hereinafter as “bailed goods”) during theperiod of this insurance for the loss, damage, staining, disappearance, or theft or exploitation of bailed goods due to a unexpected accident
in connection with such activities, while the goods are under the insured’s occupancy, use or control (Bailees Liability Insurance).
(＊1) If a student injures a player on the opposing team during a sporting event, the student is usually not held legally responsible for the
injury if the play that caused injury is generally accepted by society and falls within the rules of the game.
<Types of insurance claims payable>
The Company shall pay the following compensation or expenses borne by the insured:※ Approval from the underwriting insurance company is required whenever responsibility for compensation or amount of compensation is decided.
①Compensation for damages the insured is legally liable for;
②Legal expenses incurred, such as hiring a lawyer, with the written consent of the Company;③Expenses incurred that are deemed necessary or beneficial, with the written consent of the Company, to preserve or exercise the right to receive
compensation for damages from a third party, or in order to prevent the occurrence or extension of further damages from a prior accident;④Expenses for the need of emergency measures such as first-aid treatment and/or escort, or other expenses incurred, with the written consent of
the Company, in cases that have been deemed as creating no liability after taking the necessary steps to preserve or exercise the right to receive
compensation for damages from a third party, or in order to prevent the occurrence or extension of further damages from a prior accident;⑤Expenses incurred in cooperation with requests from the underwriting insurance company in cases where the Company settles outstanding
compensation for damages in lieu of the insured.
<Method of insurance claim payments>
The Company shall compensate for losses or damages borne in ① above and pay insurance claims up to the limit of coverage (market value ofbailed goods in the case of Bailees Liability Insurance) with respect to the amount.
In principle, the amount of expenses in ② – ⑤ above is covered in whole by this insurance. However, if the amount of damages in ①
exceedsthe limit of coverage, this insurance will cover a partial amount for legal expenses in ② calculated by reducing the "limit of coverage ÷
compensation for damages in ①" from expenses.
<Examples of accidents covered>
Limited to cases where the insured is held legally liable for damages.
●During a chemistry experiment inclass, the wrong chemicals weremixed, causing an explosion which
inflicted a burn on a classmate.
(Covered by options A and C)●At a school festival, the insured
opened a yakitori stand, and fivepeople were admitted to the hospitalwith food poisoning.
(Covered by options A and C)●The insured used a machine at thehost organization during internshipactivities conducted as part of regularcurricula and accidentally broke it.
(Covered by options A, B, and C)●W h i l e c o m m u t i n g t o c l a s s o n abicycle, the handle got caught ona pedestrian’s bag and caused thepedestrian to fall and sustain an injury.
(Covered by options A and C)(＊2)(＊2) Damages resulting from corrupted data, software, programs, etc. on a computer are not covered.
Glossary・"Commuting to and from""Commuting to
E.G.:“Commuting to”(same for “commuting from”)○
and from" refers
Residence
Schoolto the transit for○○○○the participation ofactivity between the
Exception for commute incl.
Club Activities
insured student’s
club activities
One Day Event Only
residence(＊3) and thefacility the activity is
located at, or facilities in cases in which the activity is held in multiple
locations, by reasonable route(s) and commuting methods that are notprohibited by the school. In principle, damages incurred while or after
deviating from the path (straying from a reasonable route for reasons
unrelated to the participation of class or activity) or interrupting thecommute/transit (stopping for unrelated reasons from the commute)
will not be covered by this insurance. However, damages incurred after
deviating or stopping during the commute on reasonable routes will
be covered by this insurance if for purchasing materials necessary forclass, school events or extracurricular activities, or during the minimum
time necessary for acts considered unavoidable in everyday life. The
following are examples of such acts.
①Purchasing a textbook necessary for class.
②Purchasing prepared food items.
③For students who live alone, going to a restaurant.
④Voting in an election.
⑤Medical checkup at a hospital or clinic.
However, the period while the insured is in transit between theresidence (＊3) and a facility that is the location for an activity, by
reasonable route(s) and methods, when participating in club activities(excluding activities, etc. prohibited by the school) aligned to regularcurriculum or school activities on the same day may be considered
as“commuting to and from.”However, accidents that occur after
deviating/interrupting from the reasonable route(s) and during said club
activities will not be covered.
(＊3) This includes the commute to and from the place of employment(＊3)

One Day
Event Only

One Day
Event Onlyand school facilities for those who enter the school after passing
the entrance exam for adults.(＊4)(＊4) "Entrance exam for adults" refers to the entrance exam forworking members of society who are admitted under different
methods than general applicants for admission, such as by the
special selection exam for adults.
・Internship refers to students’ working experience related to theirmajors at school or to their future business careers at companies, etc.
while they are enrolled in school.
・Hands-on nursing care activities refers to hands-on activities carriedout by those who wish to acquire ordinary qualifications for teachers inprimary or junior high schools.
・Educational practicum refers to students’ activities for acquiring
a teacher’s certificate in kindergartens, primary schools, junior highschools and high schools where they are accepted, as a curriculum for
subjects falling under“educational practicum”.
※ Educational practicum includes "educational practicum for infants, children,and students with special needs" for acquiring a teacher’s certificate at
special needs schools, as well as "nursing practicum" for acquiring a school
nurse's certificate.

・Nursery practicum refers to students’ activities for acquiring acertificate for a childcare worker at places (nursery centers, etc.) where
they are accepted under the training subject of "nursery practicum"
as established by the Ministry of Health, Labour and Welfare, which
regulates the Child Welfare Law and its Enforcement Regulations.
・Volunteer activities refers to students’ voluntary activities for social
contribution by means of their individual capabilities, labor or assets.
・Medical-related practicum refers to practicum made by way ofregular curricula or school events by medical-related departments orclasses of schools.
・Practical training in pharmaceutical education refers to practicum
made by way of regular curricula or school events by departments orclasses at pharmacy schools or departments, or classes of a like kind.

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5. Main cases with no compensation
Please see terms and conditions at the end of the booklet from pp. 6 – 16 for more details.
<Common>①Willful act of the policyholder or the insured;②War, disturbances, riots, civil commotions or labor strikes;③Earthquakes, eruptions, floods, tsunamis, or high tide
④Added liabilities from any special agreements entered into between the insured and a third party regarding damages;⑤Liability caused by the discharge of water or air;
⑥Damage caused by harmful substances such as nuclear fuel materials, nuclear source materials, and nuclear-contaminated materials;
However, this excludes cases in which there has been no legal violation in damage from a nuclear reaction or the collapse/split of nuclei
arising during the use, storage or transportation of radioisotopes used medically or industrially.
⑦Damages caused by the following actions of the insured(＊1):
・medical activities and activities that may be harmful to the body, those of which are prohibited by law if not conducted by authorized
doctors, dentists, nurses, health nurses, or birth attendants.
・compounding, administering, selling, or supplying pharmaceuticals
・acts prohibited by individuals who are not authorized shiatsu massage practitioners, acupuncturists, moxibustion practitioners, judo
therapists, architects, real-estate investigators, engineers, surveyors, or veterinarians.
(＊1) However, in the case of Course C, the above cases are not applicable when prescribed requirements are fulfilled for medical-related
practicum. Also, in the case of Courses A and C,“compounding, administering, selling, or supplying pharmaceuticals”mentioned
above is not applicable when prescribed requirements are fulfilled for pharmaceutical educational practical training.
<Premises Liability Insurance>①Damage caused by the ownership, use or control of an automobile(＊2), motorcycle (less than or equal to 50cc), aircraft, elevator, boat or
railroad car (excluding ones whose main driving power is human power), or animals outside of the facilities;②Damage and cleanup cost caused by emission, discharge, escape or leakage of contaminants (however, this excludes cases where theemission, etc. of contaminant is unforeseen, unexpected and sudden, and the insured discovers this within the prescribed period of time andinforms the underwriting insurance company within the prescribed period);③Liability arising from carcinogenic or harmful substances such as asbestos and alternative substances;(＊2) Including motorcycle.
<Product Liability Insurance>①Damages caused by products manufactured, sold and delivered willfully in contravention of laws or by gross negligence;②Liability arising from unusable or damaged products;③Claim for damages from a lawsuit in courts overseas for accidents in Japan;④Damage and cleanup cost caused by emission, discharge, escape or leakage of contaminants (however, this excludes cases where theemission, etc., of contaminant is unforeseen, unexpected, and sudden, and the insured discovers this within the prescribed period of timeand informs the underwriting insurance company within the prescribed period);⑤Liability arising from carcinogenic or harmful substances such as asbestos and alternative substances;<Bailees Liability Insurance>①Damage to bailed goods from spontaneous combustion or explosion;②Accidents discovered after the delivery of bailed goods to the bailer;③Damage, theft, loss, or exploitation of bailed goods such as bicycles, motorcycles, motorcycles (less than or equal to 50cc), automobiles,
aircraft, watercraft, vehicles, animals, musical instruments, coins, stocks and bonds, revenue stamps, postage stamps, bonds, accountbooks, precious metals, gems, works of art, antiques, medals, badges, manuscripts, design specifications, models;④Internal damage from the permeation or blowing of rain, snow, hail, or sleet from outside the building;⑤Damage caused by leakage or escape of vapor or water from water supply pipes, air-conditioning equipment, humidity control equipment,
fire hydrants, or business/home use equipment, or leakage or escape of contents from sprinklers;⑥Damage caused by incompetent use, etc. of entrusted property, etc.

6. Changes to terms of contract (withdrawal, absence, department transfer, etc.)(1) After enrolling in this insurance, please inform the section in charge at the school without delay in the occurrence of any of the following
reasons. If students have paid insurance premiums in a lump sum for insurance periods of two or more years to the school and fall under
the following conditions, they may be eligible for a refund for unexpired periods (excludes periods less than a year)(＊1). Contact the section
in charge as details differ by the school (student services, student support, insurance center, etc.).
①Withdrawing from school②Absence from school for 1 year or more in total (including study abroad) during the insurance period③Changing department, faculty, etc.
④Changing the course you are enrolled in
You can temporarily cancel your contract for the period remaining in your currently enrolled course, and then enroll in a new course per year.
The returned insurance premium for your current course cannot be used to cancel out the insurance premium for the course
you are enrolling in.
(2) If the length of the course of study is extended for reasons such as absence or repeated years, there may be the need for enrollment
procedures for the extended period at the time the initial contract period ends. Contact the section in charge as details differ by the school(student services, student support, insurance center, etc.).
(＊1) Transfer fees related to the refunding of insurance premiums are the responsibility of the insured.

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II. Procedures in the event of an accident
1. Process flow of an accident①Accident occurs,
contact and report<During a required subject etc.:>※
Contact the Tokio Marine &Nichido School Insurance
Desk by telephone (0120Telephone
868-066) and make a report
to your school.

<Coming and going between school facilities: >・Object broken
・Injured a person②Receive insurance money claim
1. P roof of your insurance
documents from your school
and the accident, etc.
③Prepare and send the insurancemoney claim documents
You will need proof etc. from your school
2. I nsurance payout from
Tokio Marine & Nichido

Telephone + Incidental Liability Certificationof an Accident while Commuting between
School Facilities etc.

※ Damages resulting fromdamage to data, softwareand programs, etc. in acomputer are not subject toincidental liability.

You will need proof etc. from your school.

2. Insurance money claim
Fill in the four “Insurance Money Claim Documents”
by yourself and then post them to the School
Insurance Section of Tokio Marine & Nichido. Yourschool will retain the “[1] School Copy.”④Tokio Marine & Nichido pays you
the insurance money

2. Procedures in the event of an accident(1) In the event of an accident that may be covered under thisinsurance, the student shall contact the school insurance deskof Tokio Marine & Nichido at
0120-868-066 (toll-free) without
delay and report the details on the following page・Your name, age, and school enrolled at・Time and date of accident
・Place of accident
・Injured party’s name and age
・Cause of accident
・Extent of damages (injury or damage)
Please report accidents that occur away from Japan as well. The student
may use a collect call in this event. A representative within Japan mayreport the accident instead if the student cannot make the call.
Please note that a delay in reporting the above may result in the
reduction of claims payable, and the right to request claims isbound by the statute of limitations of three (3) years.
Please inform your school of the accident and the fact of having
contacted and reported the above information to the insurancecompany. Out-of-court settlements with the injured party shall be
conducted by the person at fault, the student (with a guardian in
the case the student is a minor).
(2) Students shall receive the designated forms indicated below fromthe school, fill out the required items, and get any necessary
certification documents.
①Insurance claim document (also considered as a certificate
documenting the accident)②Incidental Liability Certification of an Accident while Commuting
between School Facilities (for cases travelling “to and from”)(3) Submit the above two documents to the School Insurance
Section of Tokio Marine & Nichido.
※ In principle, if the insured (student) is a minor, the guardianshall file for insurance claims.
(4) The insurance company pays insurance claims. (Refer to<Cautions upon filing for claims> below.)
Important: After paying the insurance, the underwriting insurancecompany shall inform the General Insurance Association ofJapan about the payment and based on this, the Association
shall send a report of payment of insurance benefit to the school.
Information on the payment of the insurance benefit related to theaccident shall be shared by the underwriting insurance company,
the school and the Association.
※The amount of damages will be determined by considering thefault ratio of the injured party and other involved parties. Direct
negotiations for an out-of-court settlement should occur between
the injured and the injurer (the insured). However, since the injured
party also shares fault, or that there were unavoidable forcesat play, it is advisable to consult with the School Insurance
Section of Tokio Marine & Nichido before finalizing any
settlement, as the insured is often not solely responsible.

<Out-of-court settlement services>Out-of-court settlement services are not provided by this insurance.
Settlement negotiation services between the insured and parties
who have sustained injury or damage are not offered as part of theinsurance coverage. Therefore, in the event of an accident covered
under this policy, please be aware that you are required to conduct
out-of-court negotiations directly with the injured party, following
advice from the School Insurance Section of Tokio Marine & Nichido.
Additionally, be advised that admitting liability or agreeing to a damages
amount without the approval of the underwriting insurance company
may result in a partial or complete inability to claim insurance benefits.
<Cautions upon filing for claims>
In personal liability insurance the injured party in an insured event
who has the right to request damages against the insured has a lienon the insured's right to request the underwriting insurance company
to pay insurance claims (excluding the right concerning insurance
claims for expenses) (Paragraph 1 of Article 22 of the InsuranceLaw). "A lien" means the victim's right to receive compensation for thevictim's credits out of the insurance benefits prior to all other creditors.
The insured may request the underwriting insurance company to
pay claims to the extent of compensation made to victims or of theamount agreed by the injured party (Paragraph 2 of Article 22 of the
Insurance Law).
For the above reasons, the amount of insurance claims which theunderwriting insurance company may pay upon request from theinsured shall be limited to the cases of ① to ③ mentioned below, withthe exception of insurance claims for expenses.
①The insured has already settled compensation for damages to theinjured party;②The victim can confirm agreement given by the underwriting
insurance company for the payment of insurance claims to theinsured; or③Under instruction from the insured, the underwriting insurancecompany makes the payment of insurance claims directly to theinjured party.
<Cases of concurrent insurance contracts>
Insurance claims shall be paid in the following manner in cases
where concurrent insurance contracts or mutual aid contracts exist
which duplicate in content with this insurance contract (hereinafter as"other insurance contracts").
①In cases where insurance claims or mutual aid benefits have notbeen paid by other insurance contracts:
The payment of claims shall be made in accordance with theenrollment details of this insurance contract, regardless of otherinsurance contracts, etc.
②In cases where insurance claims or mutual aid benefits have been paidby other insurance contracts: The payment of claims shall be made inaccordance with the enrollment details of this insurance contract withrespect to the amount of damages after subtracting any insurance
claims or mutual aid benefits paid by other insurance contracts.

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III. Applicable clauses in “Liability
Insurance Coupled with Gakkensai”

However, in cases where the amount of legal damages exceeds
the limit of coverage, the Company shall only cover the amountcalculated in accordance with the following formula:
Limit of coverage
Legal
Insurance claim=
×expenses
amountLegal damages

Standard Provisions for Personal Liability Insurance
Article 1 (Insurance claims covered)
The Company shall pay insurance claims to the insured for loss ordamage sustained as a result of being held legally liable for damages(hereinafter as "insured events") by causing physical impediments tothird parties or the destruction of property belonging to third parties(hereinafter as "accident").
Article 2 (Scope of damages)
Damages covered by the Company mentioned in the precedingarticle shall be restricted to cases that fall under the following:① Legal damages
Legal damages refers to the compensation the insured is
obligated to pay the injured party in accordance with legal
regulations for damages incurred. In the event the insured
has an acquisition through subrogation, that amount shall be
deducted.
② Legal expenses
Legal expenses refers to expenses incurred by the insured,with the written consent of the Company, for litigation regarding
liability for damages.
③ Sue and labor expenses
Sue and labor expenses refers to the necessary or beneficial
expenses, with the written consent of the Company, the insured
incurs for any procedures or steps in the event the insured
follows the necessary procedures to preserve or exercise theright to receive compensation for damages from a third party,
or any other steps taken in order to prevent the occurrence or
extension of further damages from a prior accident (excluding
cases defined in ④), as mentioned in Article 12 (Occurrence ofan accident) (1) ③.
④ Expenses for emergency measures
Expenses for emergency measures refers to first-aid treatment
and/or escort, or other expenses incurred by the insured, withthe written consent of the Company, in cases that have been
deemed as no liability after following the necessary procedures
or taking the necessary steps mentioned in Article 12 (1) ③.
⑤ Cooperation expenses
Cooperation expenses refers to the expenses incurred incooperation with requests from the insured's insurance company
in cases where the Company settles outstanding compensation
for damages in lieu of the insured as mentioned in Article 13(Cooperation in settlements for damages) (1).
Article 3 (Definition of terms)
The terms used in these clauses shall be defined by theirrespective meanings below.
TermPhysical
impediments
Property

DamageSales
Earnings fromcompleted work
Wages
Visitors
Other concurrent
insurance
contracts

Definition
Human injury or illness, or physical impediments or deathcaused by these.
Tangibles having property value. "Tangibles" refers to solids,
liquids, or gases having tangible existence, but excludes
intangibles such as data, software or programs, fishery rights,
patent rights, copyrights or other rights, electricity, or energy.
Destruction, loss, or stain. "Destruction" refers to the lossof physical presence of property, but does not include
disappearance, theft, fraud or embezzlement. "Loss" refers to
the objective decrease in economic value due to unexpectedor unintended physical, chemical, or biological changes inproperty. "Stain" refers to the objective decrease in economic
value due to stains from unexpected or unintended reasons.
The total amount of consideration, including taxes, of products
or services the insured sells or provides during the period of
insurance.
The total amount of revenue, including taxes, of construction
works completed by the insured during the period of
insurance.
The total amount of money, including taxes, paid to theemployee in consideration of labor done by the insured during
the period of insurance.
The total number of people who accessed and used a
premises during the period of insurance.
Other insurance contracts or mutual aid contracts thatcompensate for damages as mentioned in Article 1 (Insurance
claims covered).

Article 4 (Limit of liability)(1) The Company shall cover legal damages per case where theamount of such damages exceeds the deductible mentioned in theinsurance policy up to the amount of such excess. The Company
shall, however, only cover amounts up to the limit of coverage, as
mentioned in the insurance policy (hereinafter referred to as "limitof coverage").
(2) The Company shall cover the total amount of legal expenses.

(3) The Company shall cover the total amount of expenses for the
reduction or prevention of further damages, emergency measures,and cooperation.
Article 5 (Commencement and termination of liability)(1) The Company's liability for insurance shall commence from 4
p.m. (or other time specified in the insurance policy) of the firstdate of the period of insurance mentioned in the insurance policy(hereinafter as "the period of insurance") and shall terminate at 4p.m. of the last date mentioned in the insurance policy.
(2) Times shall be based on Japan Standard Time.
(3) The Company shall not pay insurance claims for damages
sustained in an accident after the commencement of the period of
insurance but prior to the receipt of the corresponding premium.
Article 6 (Duty of disclosure)(1) The policyholder or the insured must accurately inform theCompany for the details requested by the Company of items
mentioned in documents such as the insurance application form
(including details regarding other insurance contracts; hereinafteras "disclosure items"), of important facts regarding any dangers(possibility of incurred damage; same meaning below) at the timeof entering into an insurance contract.
(2) The Company may cancel this insurance contract by sending
notice in writing to the policyholder in cases where, at the timeof entering into the contract, facts disclosed were unreported or
misreported by the policyholder or the insured in bad faith or grossnegligence.
(3) The provision in (2) does not apply to cases that fall under thefollowing:① Facts in (2) have become null.
② The Company was aware of facts stipulated in (2) or was notaware due to gross negligence (including cases where theagent failed to report facts in order to acquire contracts for thecompany, or discouraged the insured from reporting accurate
facts.)③ In cases where the policyholder or the insured have madewritten revisions, sent them to the Company, and received
approval before incurring damages from an accident. Moreover,
the Company shall only approve revisions received if thecontract entered into is acknowledged, regardless of whether
facts in the revision were also reported at the time of entrance.
④ A month has passed since the Company found reason to cancel
the contract as stipulated in (2) or 5 years have passed since
entering into the contract.
(4) The Company shall not cover claims even if reasons forcancellation are found stipulated in (2) after incurring damages
from an accident, regardless of Article 19 (Insurance contract
cancellation effects). In this event, the insurance company may
request the return of any insurance claims paid.
(5) The provision in (4) does not apply to damages incurred by
accidents independent of facts stipulated in (2).
Article 7 (Insurance claims not covered)
The Company shall not cover damages caused by any of thefollowing reasons, regardless of direct or indirect causes:① Willful acts of the policyholder or the insured;② War (declared or undeclared), disturbances, riots, civilcommotions or labor strikes;③ Earthquakes, eruptions, floods, tsunamis, or high tide
Article 8 (Insurance claims not covered)
The Company shall not cover damages caused by liabilities heldby the insured, regardless of direct or indirect causes. This excludes
cases with attached special contracts.
① Added liabilities from any special agreements entered into
between the insured and a third party regarding damages;② Liabilities to the rightful owner for property damage from thepossession, use or management of property by the insured;③ Liabilities of relatives living with the insured;④ Liabilities caused by physical impediments of the insured's
employees during business operations;⑤ Liabilities caused by discharged liquid or gas (includes fumes).
Article 9 (Inspections)(1) The insured shall always take the necessary measures to preventthe occurrence of insured events.
(2) The Company may conduct inspections regarding the situation of
preventative measures and request improvements of deficiencies
at any time during the period of insurance.
Article 10 (Duty of notice)(1) After entering into an insurance contract, the policy holder orinsured must notify the Company without delay regarding changes
to facts in disclosure items (limited to applicable facts within－ 6 －20240222_10412453_05.indd_1519

disclosure items specified by the Company in the document sent at
the time the insurance contract was entered into). However, if thosefacts become null, there is no need to notify the Company.
(2) The Company may cancel this insurance contract by sending noticein writing to the policyholder in cases where the policyholder or the
insured did not disclose facts without delay in bad faith or grossnegligence in the event of an increase in risk (the status when
coverage does not meet calculated risk as defined in this insurance
contract due to disclosure items becoming more dangerous; same
meaning below) due to the occurrence of facts mentioned in (1).
(3) The provision in (2) does not apply to cases where a month has
passed since the Company found reason to cancel the contract as
stipulated in (2) or 5 years have passed since the increase in risk.
(4) The Company shall not cover damages incurred from accidents
from the time of increase of risk until the time of cancellation even
if reasons for cancellation are found stipulated in (2) after incurring
damages from an accident, regardless of Article 19 (Insurance
contract cancellation effects). In this event, the insurance company
may request the return of any insurance claims paid.
(5) The provision in (4) does not apply to damages incurred by
accidents independent of facts from that increase in risk.
(6) The Company may cancel this insurance contract by sending
notice in writing to the policyholder in cases where the increase ofrisk from facts in (1) has exceeded the scope of acceptance (thescope of continuing the insurance contract by increasing premiums
as specified by the Company in the document sent at the time theinsurance contract was entered into), regardless of the provision in (2).
(7) The Company shall not cover damages incurred from accidents
from the time of increase of risk until the time of cancellation even
if reasons for cancellation are found stipulated in (6) after incurring
damages from an accident, regardless of provisions in Article 19.
In this event, the insurance company may request the return of any
insurance claims paid.
Article 11 (Change in the policyholder’s address)
The policyholder must without delay inform the Company of any
changes in the address or contact details stated in this insurance
policy.
Article 12 (Occurrence of an accident)(1) The policyholder or the insured must fulfill ① to ⑤ below uponknowledge of the occurrence of an unexpected accident that leads
or may lead to an insured event.
① Notify the Company in writing without delay about the time andplace of the accident, the injured party's name and address,
accident situation, the name and addresses of any witnesses ofthese events, and extent of any ensuing damages.
② Notify the Company in writing without delay about any otherinsurance contracts and content thereof (including whether
insurance claim benefits or mutual aid were received).
③ Take all means necessary to preserve or exercise the right toreceive compensation for damages from a third party, or any
other steps in order to prevent the occurrence or extension offurther damages from a prior accident.
④ Do not acknowledge liability for any or all damages without
the approval of the Company. Approval is unnecessary for
emergency measures such as first-aid treatment and/or escort.
⑤ Notify the Company directly in the case of impending lawsuits
for liable damages.
(2) The Company shall deduct the following amounts from damages
in Article 1 (Insurance claims covered) in cases where thepolicyholder or the insured violates the duties mentioned in (1)above without legitimate reason.
① Amount of damages sustained by the Company for the violationof the duties mentioned in ①, ② or ⑤ in (1) above② Acknowledged amount of damages that could have been
prevented or curbed in violation of the duties mentioned in ③ in
(1) above;③ Acknowledged amount of legal liabilities not held by the insured
in violation of the duties mentioned in ④ in (1) above;
Article 13 (Cooperation in settlements for damages)(1) The Company may attend to the settlement of claims from theinjured party for damages on behalf of the insured at its own
expenses when deemed necessary to do so. In this case, theinsured shall cooperate in response to requests from the Company
in following through with those efforts.
(2) The Company shall deduct any amount of damages sustained
due to the insured’s non-cooperation of requests mentioned in (1)without legitimate reason.
Article 14 (Adjustment of premiums)(1) The policyholder must submit documents necessary for determining
premiums without delay at the conclusion of an insurance contract
in the event where premiums are determined according to sales,earnings from completed work, wages, and visitors.
(2) The Company may view any documents belonging to thepolicyholder or the insured deemed necessary for determining
premiums within the period of insurance and one year after thetermination of the insurance contract.
(3) The Company shall refund or request the difference in premiums
without delay in the event there is an excess or insufficiency
between the premium collected by the Company and the calculated
amount based on documents in (1) and (2) (the minimum premium
shall be used for cases that do not meet the minimum premium inthis insurance policy).
Article 15 (Voiding of insurance contract)
Insurance contracts entered into for the purpose of illegally claiming
insurance or providing insurance to third parties will be considered nulland void.
Article 16 (Cancellation of insurance contracts)
The Company may void this insurance contract by sending noticein writing to the policyholder in cases where insurance contracts wereentered into due to fraud or threat from the policyholder or the insured.
Article 17 (Cancellation of insurance contract by the policyholder)
The policyholder may cancel this insurance contract by sending
notice in writing to the Company.
Article 18 (Termination due to stern reasons)(1) The Company may terminate this insurance contract by sending
notice in writing to the policyholder in any cases under the following
circumstances:① The policyholder or the insured incurs or attempts to incurdamage for the purpose of claiming insurance money from theCompany under this insurance contract;② The insured commits or attempts fraud of insurance money
under this insurance contract;③ In the case where the policyholder, corresponds to one or moreof the followings:
a. To be deemed to have been affiliated with antisocial forces(refers to organized crime group, gang members, associate
members of organized crime group, gang-related companies,
and other antisocial forces. Additionally, a gang member
refers to a person who quits being a gang member for lessthan 5 years. The same applying hereinafter.)b. To be deemed to have been involved in actions such asproviding funds or benefits to antisocial forces.
c. To be deemed to have used antisocial forces unfairly.
d. In the case of a company, to be deemed to have been
managed by antisocial forces or to have antisocial forces
involved in the de facto management of the company.
e. To be deemed as having a socially reproachable relationshipwith antisocial forces.
④ Other than cases as stated from ① to ③, when the policyholder
or the insured causes serious event equivalent to cases
stated from ① to ③ that damage the trust relationship with
the Company and makes it difficult to continue the insurance
contract,(2) If the insured corresponds to any of the above cases from (1) ③
a. to e., the Company may issue a notice document towards thepolicyholder to cancel the insurance contract (when there are
multiple persons insured; only the parts belonging to that person
shall be applied).
(3) Even when the cancellation of enrollment due to regulation (1)or (2) is carried out after the damages from accidents happened;
the Company shall not cover for damages that happened fromwhen the cases corresponding to (1) ① to ④ or cases inducing
cancellation in (2) took place to the time of contract cancellation,
regardless of the following article. In such cases, if the payment ofclaims has already been paid, the insurance company may demanda return.
(4) In the cases when the contract is canceled due to the applicationof (1) or (2), as the policyholder or the insured corresponds to anyof the items stipulated in (1) ③ a. to e., (3) does not apply to thefollowing damages.
① Damages towards the insured who does not correspond to anyof the items stipulated in (1) ③ from a. to e.
② Damages towards the insured who corresponds to any of theitems outlined in (1) ③ from (a) to (e) from being held legally
liable.
Article 19 (Insurance contract cancellation effects)
The cancellation of insurance contracts can only take effect on
future matters.
Article 20 (Refund or request of premiums: Duties of disclosure andnotice)(1) The Company shall refund or request the difference in recalculated
premiums before and after adjustments due to the difference
between actual and reported facts disclosed in Article 6 (Duty of
disclosure).
(2) The Company shall refund or request the difference in calculated
premiums on a daily pro rata basis for unearned periods (from thetime risk increased or decreased) before and after any necessary
adjustments due to the increase or decrease of risk in Article 10 (2)(Duty of notice).
(3) The Company may cancel this insurance contract by sending－ 7 －20240222_10412453_05.indd_1519

notice in writing to the policyholder in cases where the policyholder
fails to pay any additional premiums stipulated in (1) or (2) above(limited to cases where the policyholder did not make payment
within a reasonable amount of time regardless of the request for
additional premiums from the Company to the policyholder.)(4) The Company shall not cover claims in the event that additional
premiums are requested due to provisions (1) and (2) and theinsurance contract is viable to cancellation due to the provision in(3). In this event, the insurance company may request the return of
any insurance claims paid.
(5) The provision in (4) does not apply to damages for accidents that
occur prior to the increase in risk for cases of increased risk.
(6) The Company shall refund or request the difference in calculated
premiums for unearned periods (the period of time after changes toterms and conditions) before and after any necessary adjustmentsin the event the policyholder makes a written request and receives
approval for changes to the terms and conditions of the insurance
contract in addition to provisions (1) and (2) above after entering
into the contract.
(7) The Company shall cover damages incurred in accidents that
occur before receiving additional premiums in cases where
additional premiums are requested as mentioned in (6) but havenot been paid by the policyholder, in accordance with the Standard
Provisions of Insurance and Coverage as if the request for theapproval for changes in the terms and conditions had not been
made.
Article 21 (Refund of premiums: Void or invalid contracts)(1) The Company shall not refund premiums in the event insurance
contracts are voided due to the provision in Article 15 (Voiding of
insurance contract).
(2) The Company shall refund premiums on a daily pro rata basis forunearned periods (from the time the contract is invalidated) in theevent that contracts are deemed invalid.
Article 22 (Refund of premiums: Cancellation of contracts)
The Company shall not refund premiums that have alreadybeen paid to the Company in the event of cancellation of insurance
contracts due to provisions in Article 16 (Cancellation of insurance
contracts).
Article 23 (Refund of premiums: Termination of contracts)(1) The Company shall refund premiums calculated on a daily pro
rata basis for unearned periods (from the time the contract isterminated) in the event that the Company terminates insurance
contracts due to provisions stipulated in Article 6 (Duty of
disclosure) (2), Article 10 (Duty of notice) (2) or (6), Article 18(Termination for significant reasons) (1), and Article 20 (Refund orrequest of premiums: Duties of disclosure and notice) (3).
(2) The Company shall refund the remaining amount after subtracting
the amount for earned periods (the initial day the contractcommences until cancellation) from the premium calculated byshort-term rates provided in the attached table in the event that thepolicyholder cancels insurance contracts as stipulated in Article 17(Cancellation of insurance contracts by the policyholder). However,premiums shall be adjusted when insurance rates are determinedby sales, earnings from completed work, wages, and visitors as
stipulated in Article 14 (Adjustment of premiums) (3).
Article 24 (Liens: Legal damages and compensation)(1) The party with the right to demand damages (hereinafter as “injured
party”) from the insured for accidents in Article 1 (Insurance claims
covered) has liens over the insured’s insurance claim rights to
the Company (limited to damages stipulated in Article 2 (Scope ofdamages) ①. The same applies for the following conditions).
(2) The Company shall not cover damages in Article (2) ① unless theyfall under any of the following conditions:① The Company covers the insured after the insured settles
damages with the injured party (there is a limit to the amountsettled by the insured).
② The Company directly pays the injured party the settlement fordamages under instruction of the insured before the insured
settles damages.
③ The Company directly pays the injured party the settlementfor damages due to the injured party's exercise of lien with theCompany before the insured settles damages.
④ The Company pays the insured after agreement from the injured
party to cover the insured before the insured settles damages(there is a limit to the amount agreed to by the injured party.).
(3) Insurance claim rights may not be transferred to any third party
other than the injured party. Also, the right to pledge insurance
claim rights may not be seized, excluding the case in (2) ③.
However, this excludes the case where the insured may claim
insurance from the Company as stipulated in (2) ① or ④.
Article 25 (Insurance claim documents)(1) Insurance claim rights are given to the insured for damages
incurred in an insured event regarding damages in Article 2 (Scopeof damages) ①, as well as expenses incurred in the same article
from ② to ⑤.

(2) Insurance claim rights may be exercised by the insured in thefollowing prescribed times:① When the amount of damages in Article 1 (Insurance claims
covered) or the existence of liability for damages in Article 2 ①
by judicial decision, arbitration, court-mediated compromise, ora written agreement between the insured and the injured party,
has been decided by any of the above.
② When the amount of damages for Article 1 has been decidedwith regard to damages in Article 2 from ② to ⑤.
(3) The insured must submit any of the following documents or proof
requested by the Company along with the insurance policy in theevent the insured files an insurance claim.
① Insurance claim form;② Papers of the judicial decision, arbitration, court-mediatedcompromise, or the out-of-court settlement between the insured
and the injured party which state the damages liable by the
insured;③ Document that verifies the settlement for damages by the
insured or states the amount paid;④ Document that states the injured party's approval for the insured
to file a claim or verifies the amount;⑤ Receipts or statements of accounts verifying expenses incurredin Article 2 from ② to ⑤;⑥ Indispensible documents required to confirm details as stipulated
in the next article (1) and other documents prescribed fromanything sent by the Company as proof at the time the contract
was entered into.
(4) The Company may request the submission of other documents or
proof not stated in (3), and may ask the policyholder or the insured
for cooperation in an inspection conducted by the Company
regarding the details of the accident or amount of damages. In
this event, the requested documents or proof shall be submitted
promptly, and the insured must cooperate with the Company asneeded.
(5) The Company shall deduct any amount of damages sustained incases where the policyholder or the insured violates the duties
stipulated in (4) without legitimate reason, reported false details
on documents stated in (3) and (4), or fabricates or alters those
documents or proof.
Article 26 (Payment period of benefits)(1) The Company shall pay insurance claims after verifying thefollowing details required for paying insurance claims within 30
days of the date the insured completed procedures as stipulated in
the preceding article (3) (hereinafter as the “file completion date”):① Cause and situation of accident, extent of any damages, andfacts regarding the insured as items that need to be verified for
insurance claims to be covered;② Reasons under this insurance contract that are not covered as
items that need to be verified for insurance claims that are notcovered;③ Amount in damages or the relationship between the accident
and damages as items that need to be verified for the calculationof insurance claims;④ Circumstances falling under the cases of termination,
invalidation, voiding, or cancellation of this insurance contractthat need to be verified for the effectiveness of the contract;⑤ In addition to ① through ④, other items that need to be verified
to determine the insurance claim amount to be paid by theCompany, such as the existence of other insurance contracts
and their content, the right to demand damages by the insured,or the existence of other credits and receivables and theirdetails.
(2) In the event the following special inquiries or inspections areindispensible in order to verify details in (1) above, the Company
shall pay insurance claims within the number of days stated below
from the file completion date (if cases fall under multiple periods,
the longest number of days), regardless of the provision in (1). In
this event, the Company shall notify the insured of the items thatneed verification and the estimated number of days required.
① 180 days for inquiries into investigations and inspection
results conducted by public organizations such as the police,prosecutors, or firefighters (includes inquiries according to the
Attorneys Act and other ordinances) in (1) ① through ④;② 90 days for inquiries into the judgment results from expert
organizations in order to verify the details of (1) ① through ④;③ 60 days for inspections to verify the details of (1) ① through ④
in regions struck by disaster as applicable under the Disaster
Relief Act;④ 180 days for inspections away from Japan in the event that noalternative method to verify the details of (1) ① through ④ exists
in Japan.
(3) Delays for verification shall not be included in the number of days
stated in (1) or (2) in the case that the policyholder or the insured
hindered the verification of details, inquiries, or inspections statedin (1) or (2) without legitimate reason, or did not comply with theseprocedures (includes lack of cooperation when needed).

－ 8 －20240222_10412453_05.indd_1519

Article 27 (Insurance claims paid in the event of concurrent insurance
contracts)
The Company shall provide coverage or mutual aid for claims(hereinafter as “liable coverage”) as prescribed below in the eventthat damages exceed the total amount of coverage or mutual aid
calculated in disregard of other insurance contracts that may exist:① When insurance claims or mutual aid benefits have not been
paid by other insurance contracts:
Liable coverage under this insurance contract;② When insurance claims or mutual aid benefits have been paidby other insurance contracts:
The remaining amount after subtracting the total amount ofcoverage and mutual aid from other insurance contracts fromdamages. However, there is a limit to the liable coverage of thisinsurance contract.
Article 28 (Statute of limitations)
Insurance claim rights are terminated by the statute of limitations
if 3 years have passed starting from the day following the timeprescribed in Article 25 (Filing for claims) (2).
Article 29 (Subrogation)(1) In the event the insured acquires the right to demand damages orother credit due to incurred damages, that credit is transferred to
the Company upon compensation for those damages, limited to thefollowing amounts:① When insurance claims for damages have been paid in full by
the Company:
Full amount of credit acquired by the insured;② In all other cases apart from ①:
Amount of damages unpaid by the Company subtracted fromthe amount of credit acquired by the insured.
(2) The Company shall prioritize the settlement of damages in the caseof (1) ② over the transferred credits to the Company in situations
where the insured continues to hold credits that haven’t transferredover.
(3) The policyholder or the insured must cooperate with the acquisitionof proof or documents required by the Company in order topreserve or exercise the transfer of credit in (1) to the Company.
Expenses incurred in the cooperation of the policyholder or the
insured with the Company shall be borne by the Company.
Article 30 (Impending lawsuits)
Lawsuits concerning this insurance contract shall be instituted inJapanese courts.
Article 31 (Applicable laws)
Provisions not regulated in these clauses shall conform toJapanese laws and ordinances.
Attached table (Short-term rate table)
EarnedPeriod

7
15
1
2
3
4
5
6
7
8
9
10
11
1
days days month months months months months months months months months months months year
or less or less or less or less or less or less or less or less or less or less or less or less or less or less

Short term
rate 10% 15% 25% 35% 45% 55% 65% 70% 75% 80% 85% 90% 95% 100%

Endorsement concerning coinsurance
Article 1 (Independent responsibility)
This insurance contract is a coinsurance arrangement by insurancecompanies stated in the policy and the insurance companies stated in
the insurance policy bear rights and obligations under the insurance
contract, not jointly but separately, in accordance with its underwriting
share determined at the time of acceptance.
Article 2 (Role of the leading insurance company)
The insurance company designated as the leading insurancecompany of this insurance contract at the time when the policyholders
enter into the insurance contract shall be in charge of the following
matters:① Receive applications for insurance, and issue and deliver insurance policies;② Collect, receive, or return insurance premiums;③ Approve changes in the details of the insurance contract or cancel the
insurance contract;④ Receive documents regarding declarations or notices under the provisions of
the insurance contract and approve such declarations or notices;⑤ Receive documents regarding notice of the transfer of rights to a claim andapprove such transfer; or receive documents regarding notice of effecting alien on the rights to the claim, transfer, or termination; and approve such lien,transfer or termination;⑥ Issue and deliver notice confirming the completion of a procedure for changes
in insurance contracts or make endorsements to insurance policies;⑦ Investigate the objects of insurance and other matters related to insurance
contracts;⑧ Receive documents notifying the occurrence of an accident or damage or
documents about filing for claims;⑨ Investigate or survey damage, pay claims and preserve the rights of theinsurance companies stated in the insurance policy;⑩ Attend to other matters incidental to the work or business mentioned in ①
through ⑨ above.

Article 3 (Effect of acts done by the leading insurance company)
Any items performed by the leading insurance company in Article 2(Items performed by the leading insurance company) of this contract
shall be deemed as representative for all insurance companies
mentioned in the insurance policy.
Article 4 (Effect of acts done by the policyholders)
Notices and other acts performed by the policyholders, etc. to theleading insurance company shall be deemed as representative for all
insurance companies mentioned in the insurance policy.
Special Provisions for Owners of Premises (Management)
Article 1 (Insurance claims covered)(1) Damages covered by the Company mentioned in Article 1(Insurance claims covered) of the Standard Provisions for Liability
Insurance (hereinafter, Standard Provisions) shall be restricted tocauses that fall under one of the following:① Real estate or personal property (hereinafter, Facilities)
registered under the insurance policy for the ownership, use,
or management of the entity registered as the Named Insured
under the same insurance policy (hereinafter, Named Insured)② Effectuation of Work to the Named Insured (hereinafter, Work)mentioned in the insurance policy accompanying the rules ofuse of Facilities(2) Under these Special Provisions, the insured is defined as thefollowing:① The Named Insured② The users of the Named Insured③ If the Named Insured is a corporation, the organization thatcarries out the role of director, board members, and othercorporate actions④ If the Named Insured is a foundation other than a corporation,
its members.
⑤ If the Named Insured is an actual person, his or her co-livingfamilies.
(3) Among several insured entities, other insured entities are notconsidered “the third party” in Article 1 of the Standard Provisions.
However, when the Named Insured is held legally liable fordamages applicable to the person corresponding to (2) ② to ④,
that person who corresponds to (2) ② to ④ is considered as “thethird party.”(4) The Company shall cover insurance claims for accidents that
happened as a result of cases stipulated in (1) during the insurance
period in Japan (in cases where the “applicable areas” specified in
the insurance policy differ from here, the “applicable areas” shall beapplied).
Article 2 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered) of the Standard Provisions, or damages caused by any of
the following reasons, regardless of direct or indirect causes. Normallythe decision concerning the application of the insurance terms andconditions in Article 7(1) and Article 8 (3) of the Standard Provisions
shall be made separately for each insured individual.
① S team, leakage or overflow of liquids from water supply
and drainage, air-conditioning, humidity control devices, fire
hydrants, and industrial or housework tools.
② Leakage or overflow of contents from sprinklers③ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
④ C onstruction work for the new construction, servicing,remodeling or demolishing of Facilities⑤ The use or management of the following matters:
a. automobiles, motorized bicycles, or aircraft;b. watercraft, vehicles (excludes cases for human-powered
vehicles), or animals outside of Facilities.
⑥ The following non-exclusive possessions of the Named Insured:a. manufactured goods or drinks;
b. property outside Facilities other than stated in ‘a.’ above.
⑦ Accidents caused by the completion of Work (when delivery ofan object of Work is necessary, the Work shall be regarded ascompleted at delivery) or the outcome of Work that has beenabandoned. However, this provision does not apply to machines,
devices, or materials neglected or deserted by the Named
Insured at the place of Work.
Article 3 (Modification of management under property disclaimers)
Under this Special Provision, Article 8 of the Standard Provisions(insurance claims not covered), provision ② shall be replaced asfollowed:"② The following liabilities
a. Liabilities to the rightful owner for property damage from thepossession, use or management of property by the Named
Insured;－ 9 －20240222_10412453_05.indd_1519

b. Liabilities paid by another insurance company towards the rightful
owner for damages to properties (excludes properties statedin “a.”) possessed, used, or managed by the insured stated in
Article 1 (Insurance claims covered) (2) ② to ⑤ of the Special
Provisions for Owners of Premises (Management). However,the decision concerning the application of this provision shall bemade separately for each insured individual."
Article 4 (Definition of an accident)
Any series of accidents, regardless of time, place, and the numberof injured, that occur within the insurance period produced by the samecause or reason shall be deemed as “an accident,” and all accidents
shall be to have had occurred when the first accident occurred.
Article 5 (Provisions on replacement of terms)
Under this special provision, the Standards Provisions’ terms are
replaced as follows.
Provisions under the Standard Before the replacement After the replacement
Provisionsof termsof terms
Article 6 (Duty of disclosure) (1), The insured
The Named Insured(2) and (3) ③, Article 10 (Duty ofnotice) (1) and (2), and Article 14(Adjustment of premiums) (2)Article 6 (Relationship with the Standard Provisions)
For items not regulated in these Special Provisions, the Standard
Provisions and the Endorsement of the insurance policy shall beapplied, as long as they do not go against these Special Provisions.
[Transitional measure following the revision of January 1, 2018]
For accidents that would have been deemed as "an accident" under the definition
before the insurance product revision and be entitled to insurance coverage, only
the initial accident of the series of accidents is deemed as the first accident under
the revised definition of "an accident".

Amended Endorsement of the Special Provisions for Owners ofPremises (Management)(For Special Provisions for Owners of Premises (Management))
In this insurance policy, regardless of the provisions under theSpecial Provisions for Owners of Premises (Management), thefollowing provisions apply.
Article 1 (Insurance claims covered)(1) Damages covered by the Company mentioned in Article 1(Insurance claims covered) of the Standard Provisions for Liability
Insurance (hereinafter, Standard Provisions) shall be restricted tocauses that fall under one of the following:① Real estate or personal property (hereinafter, Facilities)
registered under the insurance policy for the ownership, use,
or management of the entity registered as the Named Insured
under the same insurance policy (hereinafter, Named Insured)② Effectuation of Work to the Named Insured (hereinafter, Work)mentioned in the insurance policy in accompanying the rules ofuse of Facilities(2) The Company shall pay insurance money only if the accident
arising due to the reason in (1) occurs during the insurance period
stated in the insurance policy (hereinafter “the Insurance Period”).
Article 2 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered) of the Standard Provisions, or damages caused by any of
the following reasons, regardless of direct or indirect causes. Normallythe decision concerning the application of the insurance terms andconditions in Article 7(1) and Article 8 (3) of the Standard Provisions
shall be made separately for each insured individual.
① Steam, leakage or overflow of liquids from water supply
and drainage, air-conditioning, humidity control devices, fire
hydrants, and industrial or housework tools.
② Leakage or overflow of contents from sprinklers③ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
④ Construction work for the new construction, servicing,remodeling or demolishing of Facilities⑤ The use or management of the following matters:
a. automobiles, motorized bicycles, or aircraft;b. watercraft, vehicles (excludes cases for human-powered
vehicles), or animals outside of Facilities.
c. Ships and vehicles (excluding when the driving force is
exclusively human power) outside facilities or animals⑥ The following non-exclusive possessions of the Named Insured:a. manufactured goods or drinks;
b. property outside Facilities other than stated in ‘a.’ above.
⑦ Accidents caused by the completion of Work (when delivery ofan object of Work is necessary, the Work shall be regarded ascompleted at delivery) or the outcome of Work that has beenabandoned. However, this provision does not apply to machines,
devices, or materials neglected or deserted by the Named
Insured at the place of Work.

Article 3 (Definition of an accident)
A series of accidents that occur during the Insurance Period arising
due to the same cause or reason shall be deemed a 'an accident'
regardless of the time or place they occur or the number of injured
when applying the payment limit or deductible. It shall be deemed as
though all the accidents occurred at the time of the first accident.
Article 4 (Relationship with the Ordinary Insurance Agreement)
For items not regulated in the Special Provisions, the Standard
Provisions and the endorsements of the insurance policy shall beapplied, as long as they do not go against the Special Provisions.
Special Provisions for Products
Article 1 (Insurance claims covered)(1) Damages covered by the Company mentioned in Article 1(Insurance claims covered) of the Standard Provisions for Liability
Insurance (hereinafter, Standard Provisions) shall be restricted tocauses that fall under one of the following:① Property (hereinafter, Products) mentioned in the insurance
policy non-exclusive to the Named Insured (hereinafter, Named
Insured)② Results of Work (hereinafter, Work) mentioned in the insurance
policy done by the Named Insured.
(2) Under these Special Provisions, the insured is defined as thefollowing:①The Named Insured② The users of the Named Insured③ If the Named Insured is a corporation, the organization thatcarries out the role of director, board members, and othercorporate actions④ If the Named Insured is a foundation other than a corporation,
its members.
⑤ If the Named Insured is an actual person, his or her co-livingfamilies.
(3) Among several insured entities, other insured entities are notconsidered “the third party” in Article 1 of the Standard Provisions.
However, whn the Named Insured is held legally liable for damages
applicable to the person corresponding to (2) ② to ④, that person
who corresponds to (2) ② to ④ is considered as “the third party.”(4) The Company shall cover insurance claims for accidents that
happened as a result of cases stipulated in (1) during the insurance
period in Japan (in cases where the “applicable areas” specified in
the insurance policy differ from here, the “applicable areas” shall beapplied).
Article 2 (Definition of terms)
The terms used in this special provision shall be defined by theirrespective meanings below.
Term
Work objects
Finished goods
Recalls and othermeasuresDefinition
All objects on which Work has been done.
Products that have been manufactured or processed and areused as raw materials, components (including materials andadditives), containers, or packaging.
Appropriate measures for the recovery, inspection, servicing,or exchange of Products and Work objects, or other property
used in these.

Article 3 (Insurance claims not covered)(1) The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims
not covered) of the Standard Provisions, or damages causedby any of the following reasons, regardless of direct or indirectcauses. Normally the decision concerning the application of theinsurance terms and conditions in Article 7 (1) and Article 8 (3) of
the Standard Provisions shall be made separately for each insured
individual.
① Results of the insured, intentionally or due to negligence,
manufacturing, selling, providing products or performing work inviolation of laws and regulations.
② Unfair (exaggerated claims of excellence) or false representation
regarding the functions or features of Products or Work objects
by the insured.
③ Machines, devices, or materials neglected or deserted by the
insured at the location where Work was done.
(2) The Company shall not cover damages caused by liabilities fromthe following damaged or unusable property (includes otherdamaged or unusable parts caused by any part of the property) of
the insured.
① Products② As a part of the Work objects, property Worked on by theoperation that caused the accident (includes cases where Workshould have been done);③ Finished goods④ In cases in which Products or finished goods are machineryor equipment, or are used as control devices for machineryor equipment, properties manufactured or processed by thismachinery or equipment,－ 10 －

20240222_10412453_05.indd_1519(3) In the event of accidents occurring due to the results of Work, theCompany shall not cover damages that occurred after Work isfinished (in cases in which the delivery of Work objects is required,
the time of delivery shall be regarded as the conclusion of Work) or
accidents that occurred prior to abandonment.
Article 4 (Obligation to perform recalls and other measures)(1) The insured must perform recalls and other measures without
delay to prevent any or further accidents (including the occurrenceof similar accidents) in the event the insured is aware of existing
accidents or the possibility of accidents occurring.
(2) In cases in which the insured violates the obligations as mentionedin (1) without legitimate reasons, the Company shall deduct theamount of the damage incurred by this violation from the insurance
payment.
(3) The Company shall not cover any expenses incurred by the recalls
and other measures required in (1), regardless of whether the
insured paid or did not pay for this expense.
(4) In cases in which Products or finished goods are machineryor equipment, or are used as control devices for machinery or
equipment, the Company shall not cover for expenses causedby recalls, inspection, repair, exchange and other measures toprevent accidents of properties manufactured or processed by thismachinery or equipment. This is regardless of whether the insured
paid or did not pay for these expenses.
Article 5 (Definition of an accident)
Any series of accidents, regardless of time, place, and the numberof injured, that occur within the insurance period produced by thesame cause or reason shall be deemed as “an accident,” and all
accidents are deemed to have had occurred when the first accident
occurred.
Article 6 (Provisions on replacement of terms)
Under this special provision, the Standards Provisions’ terms are
replaced as follows.
Provisions under the Standard Before the replacement After the replacement
Provisionsof termsof terms
Article 6 (Duty of disclosure) (1), The insured
The Named Insured(2) and (3) ③, Article 10 (Duty ofnotice) (1) and (2), and Article 14(Adjustment of premiums) (2)Article 7 (Relationship with the Standard Provisions)
For items not regulated in these Special Provisions, the Standard
Provisions and the Endorsement of the insurance policy shall beapplied, as long as they do not go against these Special Provisions.
[Transitional measure following the revision of January 1, 2018]
For accidents that would have been deemed as “an accident” under the definition
before the insurance product revision and be entitled to insurance coverage, only
the initial accident of the series of accidents is deemed as the first accident under
the revised definition of "an accident".

Special Provisions for Bailees

Amended Endorsement of the Special Provisions for Products(For the Special Provisions for Products)
In this insurance policy, regardless of the terms and articles under
the Special Provisions for Owners of Premises (Management), thefollowing provisions apply.
Article 1 (Insurance claims covered)(1) Damages covered by the Company mentioned in Article 1(Insurance claims covered) of the Standard Provisions for Personal
Liability Insurance shall be restricted to causes that fall under thefollowing:① Property (hereinafter as “products”) mentioned in the insurance
policy non-exclusive to the insured;② Results of work (hereinafter as “work”) mentioned in theinsurance policy done by the insured.
(2) The Company shall only cover accidents that occur within Japan
during the period of insurance (hereinafter as “period of insurance”)
mentioned in the insurance policy for accidents caused by thereasons stated in (1).
Article 2 (Definition of terms)
The terms used in this coverage shall be defined by their respective
meanings below.
Term
Work objects
Finished goods
Recalls and othermeasuresthe following reasons, regardless of direct or indirect causes:① Results from the insured being involved with work or products
manufactured, sold and delivered willfully in contravention oflaws or by gross negligence;② Unfair (exaggerated claims of excellence) or false representation
regarding the functions or features of products or work objects
by the insured.
③ Machines, devices, or materials neglected or deserted by the
insured at the location where work was done.
(2) The Company shall not cover damages caused by liabilities fromthe following damaged or unusable property (includes otherdamaged or unusable parts caused by any part of property) of theinsured.
① Products② As a part of the Work objects, property Worked on by theoperation that caused the accident (includes cases where Workshould have been done);③ Finished goods④ Property manufactured or processed by machinery or equipmentin the case that products or finished goods are machineryor equipment or used as control devices for machinery or
equipment.
(3) The Company shall not cover damages sustained after work isfinished (work requiring the delivery of objects finish upon delivery)
nor prior to abandonment in the event of accidents due to results ofwork.
(4) The Company shall not cover any damages (however, this is limited
to areas related to the filer of the lawsuit) in the event of lawsuits
filed for liable damages in courts away from Japan.
Article 4 (Obligation to perform recalls and other measures)(1) The insured must perform recalls and other measures without
delay to prevent any or further accidents (including the occurrenceof similar accidents) in the event of the insured is aware of existing
accidents or the possibility of accidents occurring.
(2) The Company shall deduct any amount of damages sustained due
to violations of obligations as mentioned in (1) without legitimate
reason.
(3) The Company shall not cover any expenses incurred by the recalls
and other measures required in (1), regardless of whether the
insured paid or did not pay for these expenses.
Article 5 (Definition of an accident)
Any series of accidents, regardless of time, place, and numberof insured, that occur within the period of insurance produced by
the same cause or reason shall be deemed as “an accident” and all
accidents deemed to have occurred at the time of the first accident.
Article 6 (Relationship with Standard Provisions)
For items not regulated in the Special Provisions, the Standard
Provisions and the endorsements of the insurance policy shall beapplied, as long as they do not go against the Special Provisions.

Definition
All objects on which work has been done.
Products that have been manufactured or processed and areused as raw materials, components (including materials andadditives), containers, or packaging.
Appropriate measures for the recovery, inspection, servicing,or exchange of products and work objects, or other property
used in these.

Article 3 (Insurance claims not covered)(1) The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered) of the Standard Provisions, or damages caused by any of

Article 1 (Insurance claims covered)(1) The Company shall cover damages when the insured is held
legally liable to the rightful owner of the bailed goods for accidents
that happened to the bailed goods during any of the following,
regardless of provisions stipulated in Article 1 (Insurance claims
covered) and Article 8 (Insurance claims not covered) 2 of theStandard Provisions for Liability Insurance (hereinafter, Standard
Provisions);① During the period when the bailed goods are managed instorage Facilities mentioned in the insurance policy.
② During the period when the bailed goods are managed outsideof storage Facilities according to purposes mentioned in theinsurance policy.
(2) Under these Special Provisions, the insured is defined as thefollowing:① The Named Insured in the insurance policy (hereinafter, Named
Insured)② The users of the Named Insured③ If the Named Insured is a corporation, the organization thatcarries out the role of director, board members, and othercorporate actions④ If the Named Insured is a foundation other than a corporation,
its members.
⑤ If the Named Insured is an actual person, his or her co-livingfamilies.
(3) The Company shall only cover accidents in (1) during the insurance
period in Japan (if the “applicable areas” specified in the insurance
policy differ from this provision, that specified “applicable areas” isused).
Article 2 (Definition of terms)
The terms used in this special provision shall be defined by theirrespective meanings below.

－ 11 －

20240222_10412453_05.indd_1519

Term

Bailed goods

Accident

Definition
Properties managed by the Named Insured and belonging toanother party, as mentioned in the insurance policy.
This does not include the following:a. currency, bills, stocks and bonds, revenue stamps, postage
stamps, certificates, and account books;
b. gems, precious metals, works of art, antiques, medals, andbadges;c. manuscripts, design specifications, and templatesd. animals, and plants
e. Land and its fixtures
f. anything similar to property stated in a. – e.
Damage, disappearance, theft, or fraud.

Article 3 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered)(excludes ② for bailed goods) of the Standard Provisions, or
damages caused by any of the following reasons, regardless of direct
or indirect causes. Normally the decision concerning the applicationof the insurance terms and conditions n Article 7 (1) and Article 8 (3)of the Standard Provisions, together with clause ① and ②, shall bemade separately for each insured individual.
① Theft or fraud conducted or conspired by the policyholder or the
insured② Accidents that occur during the private use of bailed goods by
the policyholder or the insured③ Damage to bailed goods from spontaneous combustion or
explosion;④ Natural wear-and-tear, mildew, mold, decay, discoloration, rust,sweat, or similar phenomenon due to properties of goods;⑤ Damage caused by rats, insects, or similar phenomenon;⑥ Steam, leakage or overflow of liquids from water supply
and drainage, air-conditioning, humidity control devices, fire
hydrants, industrial or housework tools, or leakage or overflow
of contents from sprinklers;⑦ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
⑧ Accidents discovered after the delivery of the bailed goods tothe bailer.
⑨ Unusable bailed goods (includes reduced profits).
Article 4 (Limit of liability)
The amount of coverage provided by the Company shall not
exceed the value of the bailed goods (market selling price of propertyof the same type, year, make, and degree of wear) at the time andlocation of the accident for legal damages in Article 2 (Scope ofdamages), ① of the Standard Provisions.
Article 5 (Definition of an accident)
Any series of accidents, regardless of time, place, and the numberof the injured, that occur within the insurance period produced by
the same cause or reason shall be deemed as “an accident,” andall accidents shall be deemed to have had occurred when the first
accident occurred.
Article 6 (Provisions on replacement of terms)
Under this special provision, the Standards Provisions’ terms are
replaced as followed.
Provisions under the Standard Before the replacement After the replacement
Provisionsof termsof terms
Article 6 (Duty of disclosure)(1), The insured
The Named Insured(2) and (3) ③ , Article 10 (Duty ofnotice) (1) and (2), and Article 14(Adjustment of premiums) (2)Article 7 (Relationship with the Standard Provisions)
For items not regulated in these Special Provisions, the Standard
Provisions and the Endorsement of the insurance policy shall beapplied, as long as they do not go against these Special Provisions.
[Transitional measure following the revision of January 1, 2018]
For accidents that would have been deemed as “an accident” under the definition
before the insurance product revision and be entitled to insurance coverage, only
the initial accident of the series of accidents is deemed as the first accident under
the revised definition of "an accident".

Amended Endorsement of the Special Provisions for Bailees(For Special Provisions for Bailees)
In this insurance policy, regardless of the terms and articles under
the Special Provisions for Bailees, the following provisions apply.
Article 1 (Insurance claims covered)(1) The Company shall cover damages when the insured is held
legally liable to the rightful owner of bailed goods for accidents ofbailed goods during any of the following, regardless of provisions
stipulated in Article 1 (Insurance claims covered) and Article 8(Insurance claims not covered) ② of the Standard Provisions for
Personal Liability Insurance (hereinafter as “Standard Provisions”);① While bailed goods are managed in storage facilities mentioned

in the insurance policy.
② While bailed goods are managed outside of storage facilities
according to purposes mentioned in the insurance policy.
(2) The Company shall only cover accidents in (1) during the period of
insurance (hereinafter as “period of insurance”) mentioned in theinsurance policy.
Article 2 (Definition of terms)
The terms used in this coverage shall be defined by their respective
meanings below.
Term

Bailed goods

Accident

Definition
Property belonging to third parties managed by the insured as
mentioned in the insurance policy, not including the following.
a. currency, bills, stocks and bonds, revenue stamps, postage
stamps, certificates, and account books;
b. gems, precious metals, works of art, antiques, medals, andbadges;c. manuscripts, design specifications, templatesd. anything similar to property stated in a – c.
Disappearance, theft, fraud, or embezzlement.

Article 3 (Insurance claims not covered)
The Company shall not cover damages in Article 7 (Insurance
claims not covered) and Article 8 (Insurance claims not covered)(excludes ② for bailed goods) of the Standard Provisions, or damages
caused by any of the following reasons, regardless of direct or indirectcauses:① Theft or fraud conducted or conspired by the policyholder,the insured, legal representatives (chairman, director, ororganization that performs business for the insured in theevent the insured is a corporate body; same meaning below),
employees, or relatives living with the insured;② Accidents that occur during the private use of bailed goods by
the policyholder, the insured, legal representatives, employees,
or relatives living with the insured.
③ Damage to bailed goods from spontaneous combustion or
explosion;④ Natural wear-and-tear, mildew, mold, decay, discoloration, rust,sweat, or similar phenomena due to properties of goods;⑤ Damage caused by rats, insects, or similar phenomena;⑥ Steam, leakage or overflow of liquids from water supply
and drainage, air-conditioning, humidity control devices, fire
hydrants, industrial or housework tools, or leakage or overflow
of contents from sprinklers;⑦ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
⑧ Accidents discovered after the delivery of bailed goods to thebailer;⑨ Unusable bailed goods (includes reduced profits).
Article 4 (Limit of liability)
The amount of coverage provided by the Company shall not exceed
the value of bailed goods (market selling price of property of the same
type, year, make, and degree of wear) at the time and location of theaccident for legal damages in Article 2 (Scope of damages) ① of theStandard Provisions.
Article 5 (Definition of an accident)
Any series of accidents, regardless of time, place, and numberof injured, that occur within the period of insurance produced by thesame cause or reason shall be deemed as "an accident" and all
accidents shall be deemed to have occurred at the time of the first
accident.
Article 6 (Relationship with Standard Provisions)
For items not regulated in the Special Provisions, the Standard
Provisions and the endorsements of the insurance policy shall beapplied, as long as they do not go against the Special Provisions.
Other endorsements
Endorsement for Uninsured Nuclear Risks(1) The Company shall not cover damages caused by nuclear
reactions of any of the following matter, any effects from harmful
qualities such as radioactivity and explosiveness from nuclear
decay/fission, or properties of any of the above (includes
radioactive contamination and radiation injuries), regardless of
direct or indirect causes:① Nuclear fuel material (includes spent fuel);② Nuclear source material;③ Radioactive elements;④ Radioactive isotopes;⑤ Contaminated substances due to ① through ④ (including
nuclear fission products).
(2) The provision in (1) shall not apply to damages caused by nuclear
reactions or nuclear decay/fission from the use, storage, ortransport of radioisotopes (excludes uranium, thorium, plutonium,
their compounds, or substances with them) used for medical orindustrial purposes. However, this excludes cases where the use,
storage, or transport are in violation of the law.

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20240222_10412453_05.indd_1519

Endorsement for Uninsured Professional Risks

Endorsement for “Liability Insurance Coupled with Gakkensai”

The Company shall not cover damages caused by any of thefollowing actions performed by the insured or the insured’s employees
or assistants, except in cases where the provisions of applicableendorsements and articles of this insurance contract differ from thisclause:① Medical activity such as the treatment, relief, and preventionof illnesses, medical examinations, diagnoses, instruction ofcare methods, orthotics, presence at childbirth, autopsies,or the creation/issue of medical or postmortem certificatesand prescriptions (excluding cases where people other thandoctors, dentists, nurses, health nurses, or midwives are legallypermitted to do so);
② Activity that may be harmful to the body if not conducted by
medical professionals, dentists, nurses, health nurses, or
midwives for cosmetic surgery, medical abortions, or drawing
blood (excluding cases where people other than doctors,
dentists, nurses, health nurses, or midwives are legally permitted
to do so);
③ Compounding, administering, selling, or supplying pharmaceuticals;④ Acts prohibited by law for individuals who are not authorizedshiatsu massage practitioners, acupuncturists, moxibustion
practitioners, or judo therapists;⑤ Acts prohibited by law for individuals who are not architects,
realestate investigators, engineers, surveyors, nor veterinarians;(For Amended Endorsement of the Special Provisions for Ownersof Premises (Management), Amended Endorsement of the Special
Provisions for Products, Amended Endorsements of the Special
Provisions for Bailees, Endorsement for Change of Terms and Conditions
Regarding Premium, Endorsement for Uninsured Pollution Risks)
Chapter 1: Common Provisions
Endorsements in this chapter shall be applied to the Amended
Endorsement of the Special Provisions for Owners of Premises(Management) (hereinafter, Amended Endorsement (Premises)),
Amended Endorsement of the Special Provisions for Products(hereinafter, Amended Endorsement (Products)), Amended
Endorsements of the Special Provisions for Bailees (hereinafter,
Amended Endorsement (Bailees)), Endorsement for Change of Terms
and Condition regarding Premium, and Endorsement for Uninsured
Pollution Risks.
Common Endorsements for “Liability Insurance Coupled with Gakkensai”
Article 1 (Definition of terms)
The terms used in this insurance contract shall be defined by theirrespective meanings below.
Term

Endorsement for Uninsured Pollution Risks
Article 1 (Insurance claims not covered)
The Company shall not cover damages caused by the discharge,
outflow, overflow or leakage (hereinafter as Emissions), ofcontaminants regardless of direct or indirect causes. However, thisexcludes cases that meet all the following conditions:① Unforeseen Emissions;② Unpredictable accidents causing Emissions (hereinafter,
Accidents);③ Sudden Emissions;④ The insured discovers Emissions within 7 days from an accident
and notifies the Company within 21 days of the accident as
stipulated in Article 12 (Occurrence of an accident) (1) ① of theStandard Provisions for Liability Insurance;
Article 2 (Definition of terms)
The terms used in this Endorsement shall be defined by theirrespective meanings below.
Terms

Contaminants

Petroleum
substances

Pollution cleanup
expenses

Definition
Refers to one or more of the following, regardless of the stateof the substance, such as solid, liquid or gaseous, or thenature of the substance, such as acidic or alkaline.
a. harmful chemical substanceb. dangerous substancec. a substance that is harmful to living things or causes thepollution of soil, atmosphere, or water, other than a. and b.
d. offensive smelle. petroleum substance
Refers to one or more of the following substances.
a. crude oil, gasoline, kerosene, light crude oil, heavy crudeoil, lubricating oil, pitch, tar and other petroleum substances.
b. chemical products derived from petroleum substances in a.
c. mixture, waste, and residue that contains substances in a.
and b.
Refers to all expenses required for the investigation,observation, cleaning, removal, containment, disposal,
detoxification, or neutralization of contaminants, regardless of
their naming conventions.

Article 3 (Handling of decontamination expenses)
The Company shall not pay insurance claims for decontamination
expenses or any losses incurred. However, this excludes damages
sustained when the insured is held legally liable to third parties for
written cases, or Article 1 (Insurance claims not covered).

university,etc.

Student

Regularcurriculum

School events

Extracurricular
activity

Internship
Volunteer
activities
Hands-onnursing care
activities

Educational
practicum

Endorsement for Uninsured Asbestos Damage
The Company shall not cover damages caused by any of thefollowing reasons, regardless of direct or indirect causes:① Carcinogenic or harmful substances of asbestos or products
containing asbestos;② Asbestos substitutes or products containing substitutes withcarcinogens or harmful qualities similar to carcinogens;

Nurserypracticum

Pharmaceuticaleducational
practical training
Medicalrelated
practicum－ 13 －

Definition
Universities and technical colleges stipulated in the School
Education Law or universities and schools that are supporting
members of Japan Educational Exchanges and Services where
the insured party is enrolled.
Students enrolled in university, etc. programs and departments,
graduate courses or non-degree courses for graduates andother courses, including exchange students, auditors, research
students and nondegree students.
Lessons involving lectures, experiments, seminars, practicaltraining courses, and seminars conducted at the university,
etc. the insured is enrolled in (includes lessons conducted byother universities, etc. for transferrable credits. Hereinafter as“lessons”), including the following activities:
a. Research for graduation thesis and dissertation under thesupervision of an educator. However, this excludes research
conducted solely in locations involving private circumstances.
b. Research activities conducted in the university, etc. library,reference room, language learning facility, or other locationsin the preparation and cleanup of lessons under thesupervision of an educator.
All educational activities and events hosted by the university,
etc. which include the entrance ceremony, orientation, andgraduation ceremony.
The internship or volunteer activities carried out for internshipor volunteer purposes by student groups in the university,
etc. approved by the academic institution in accordance withthe formalities prescribed by the university, etc. However, thisexcludes any activity held in times and locations prohibited by
the university, etc. and prohibited conduct.
Working experience related to students’ majors at school or totheir future business careers at companies, etc. while they areenrolled in school.
Voluntary activities for social contribution by means of students’
individual capabilities, labor or assets.
Hands-on activities carried out by those who wish to acquire
ordinary qualifications for teachers in primary or junior highschools in accordance with the law regarding exceptionsin the Teachers License Act for the certification of ordinary
qualifications for teachers in primary or junior high schools (Law
No. 90 of 1997).
Students’ activities for acquiring a teacher’s certificate inkindergartens, primary schools, junior high schools and highschools where they are accepted, as a curriculum for subjects
falling under “educational practicum,” including "educational
practicum for infants, children, and students with special needs"
for acquiring a teacher’s certificate at special needs schools,
as well as "nursing practicum" for acquiring a school nurse's
certificate provided for in Tables 1, 2, and 2-2 attached to
Article 5 of the Teachers License Act (Law No. 147 of 1949) and
Column 5 in the table provided in paragraph 1 of Article 6 of thesaid Law Enforcement Regulations.
Students’ activities for acquiring a certificate for a childcare
worker at places (nursery centers, etc.) where they are
accepted under the training subject of "nursery practicum" asestablished by the Ministry of Health, Labour and Welfare, which
regulates the Child Welfare Law (Law No. 164 of 1947) and its
Enforcement Regulations (the Ministry of Welfare's Ordinanceof 11 of 1948).
Practicum made by way of regular curricula or school events
by departments or classes at universities, etc. with pharmacy
studies, etc. or of departments or classes of a like kind.
Practicum made by way of regular curricula or school events bymedical-related departments or subjects of universities, etc.

20240222_10412453_05.indd_1519

Term

Medical-related
departments or
subjects

Club activities

Entrance
examfor adults

Definition
a. Departments
University departments include the departments of medicine,
dentistry, nursing, acupuncture and moxibustion, and the like.
b. Subjects
University subjects include medical science, dentistry,
nursing, health nursing, radiography (technology), radiology,
medical technology, clinical examination, health technology,
physiotherapy, occupational therapy, dental hygiene,
acupuncture and moxibustion, general health, speechtherapy, cosmetic hygiene, sports medicine, optometry, andthe like.
Cultural or physical activities carried out by student groups
in the university, etc. approved by the academic institution inaccordance with the formalities prescribed by the university, etc.
However, any activity held in times and locations prohibited by
the university, etc. or outside of club activities and prohibited
conduct are excluded.
The entrance exam for working members of society who areadmitted under different methods than general applicants foradmission, such as by the special selection exam for adults.

Article 2 (Relationship between the insured and other insured individuals)(1) The insured refers to students enrolled in a university, etc. andthose who have enrolled in this insurance contract under the
Personal Accident Insurance for Students Pursuing Education andResearch (hereinafter as “PAS”).
(2) Provisions in this insurance contract shall be applied to the insured
separately, and the relationship between insured individuals shallbe deemed as third parties to one another.
Article 3 (Commencement and termination of liability)(1) The period of insurance for this insurance contract is as follows,
regardless of Article 5 (Commencement and termination of liability)(1) in the Standard Provisions for Personal Liability Insurance(hereinafter as “Standard Provisions”):① For students who have enrolled in PAS before entering theschool and have submitted an application with the corresponding
premium paid to the university, etc., the period of insurance(hereinafter as “period of insurance”) of the insurance policy
shall begin from 0:00 a.m. of the first day and end at 12:00 p.m.
on the last day.
② For students who wish to enroll in this insurance contract
midway through the insurance period (hereinafter as “midway
applicants”), the period of insurance shall begin from 0:00 a.m.
of the day subsequent to application with the corresponding
premium paid to the university, etc. and ends at 12:00 p.m. on
the last day of the period of insurance.
(2) If the university, etc. fulfills all the following items, the period of
insurance of this insurance contract shall be from 0:00 a.m. of thefirst day and end at 12:00 p.m. on the last day during the period of
insurance, regardless of provisions in (1).
① An organizational decision was made at a faculty meeting,etc. before the first day of the period of insurance to enroll all
students, grouped in units of academic year or greater, who are
in departments, subjects, graduate courses, majors, or othercourses, in Gakkensai or this insurance contract (hereinafter as“enrollment of all students”).
② The university, etc. bears the cost of corresponding premiums
for the enrollment of all students.
(3) If the university, etc. fulfilled (2) ① and ② in this insurance contract
in the event of renewed enrollment from the previous year’scontract, the period of insurance shall conform to the provision in (2).
Article 4 (Limit of coverage and premiums)
The limit of coverage, deductibles and premiums per insured andper annum in this insurance contract shall be as noted in the following
chart: (chart below)
Course A
Limit of coverage per insured
and per annum
1 year
2 years
3 years
Premium
per insured
4 years
5 years
6 years

Course B

Course C

100 million yen per accident(common for bodily/property damage)340 yen
210 yen
500 yen
680 yen420 yen
1,000 yen
1,020 yen
630 yen
1,500 yen
1,360 yen
840 yen
2,000 yen
1,700 yen
1,050 yen
2,500 yen
2,040 yen
1,260 yen
3,000 yen

Article 5 (Notice to enrolled students)(1) The policyholder shall tally the numbers of insured by thisinsurance contract on the first day of school at each university, etc.
and must notify the Company and send applications by the last dayof the following month after entering into insurance contracts.
(2) The policyholder shall tally the numbers of insured by thisinsurance contract for students who enroll midway two months priorand must notify the Company and send applications by the last dayof the month (hereinafter as “day of notice”).
(3) The Company shall not cover damages due to delayed or omitted
applications in the event of delays or omissions of applications

stipulated in (1) or (2). However, this excludes cases where thepolicyholder fulfills all the following items and receives approval
from the Company:① Proof is provided that delay or omission was not due to bad faithor gross negligence;② The revised tally and applications are sent immediately to theCompany for any delayed or omitted applications;③ The premiums for applications stated in ② are paid immediately
to the Company.
Article 6 (Payment of premiums)(1) The policyholder shall pay premiums calculated based on theprovision in Article 4 (Limit of coverage and premiums) to theCompany by the last day of the month following the day of noticestated in (2) of the preceding article, regardless of the terms inEndorsement for Change of Terms and Conditions Regarding
Premium, Section 4, Article 1 (refund, addition, or adjustment ofpremium) (4).
(2) The Company shall not pay insurance claims for damages
sustained prior to the receipt of the corresponding premium(limited to areas regarding that midway applicant) in the event thepolicyholder does not pay premiums by the due date stipulated in(1). In this event, the Company may cancel this insurance contract(limited to areas regarding midway applicant) by sending notice inwriting to the policyholder. This cancellation becomes retroactively
effective from the first day of the period of insurance for midway
applicants, regardless of provisions in Article 19 of the Standard
Provisions.
Article 7 (Handling of changes)(1) The policyholder shall notify the Company without delay with proof
from the university, etc. for any of the following:① Change of departments or subjects of study of the insured② Withdrawal from school of the insured(2) The policyholder shall promptly notify the Company with proof fromthe university, etc. in the event the insured is absent from schoolfor 1 year or more in total (including repeated years; same meaning
below) during the period of insurance.
Article 8 (Refund of premiums)(1) The Company shall refund to the policyholder the amountcalculated in accordance with the following formula in the event of
notice in the preceding article (1) ② , regardless of provisions in
Article 23 (Refund of premiums: Termination of contracts) (2) of theStandard Provisions. However, if the year the student withdraws ispartially earned, it shall be counted as a full year (periods less thana year are rounded up).
Premiums received - Applicable premiums for earned years=

Refund of premiums(2) The Company shall refund to the policyholder the amountcalculated in accordance with the following formula at the endof the period of insurance in the event of notice in the precedingarticle (2), regardless of provisions in Article 23 (2) of the Standard
Provisions. However, total periods for absence from school shall becounted by years (periods less than a year are rounded up).
Premiums received - Applicable premiums for period of insurance minus period of absence=

Refund of premiums(3) The Company shall refund to the policyholder the amountcalculated in accordance with the formula in (1) and request
premiums for unearned years in new insurance courses in theevent of changes to work (insurance course) as stipulated in Article
1 (Work covered) in the additional endorsements in Chapter 2:Endorsement for Premises Liability Insurance.
Article 9 (Inspection of account books)(1) The policyholder shall prepare a register of names for insured
students not included in the “enrollment of all students” stipulated
in Article 3 (Commencement and termination of liability) (2), andpromptly submit it to the Company.
(2) The Company may inspect the policyholder’s register of enrolled
students, account books, and other related documents at any timein the event it is deemed necessary, regardless if the register ofenrolled students has or hasn’t been received.
Article 10 (Exemption from exclusion clauses)(1) Medical-related practicum done by insured persons in thisinsurance contract shall not be deemed as activities mentioned inEndorsement for Uninsured Professional Risks ① through ⑤.
(2) Pharmaceutical educational practical training done by insured
persons in this insurance contract shall not be deemed as activities
mentioned in Endorsement for Uninsured Professional Risks ③.
(3) The provisions in (1) and (2) shall only apply if all the following
conditions are met:
① The practicum is recognized as a regular course or school eventby the university, etc.;② The insured is not engaged in business (including a part-timeor other regular job) related to his/her particular professional－ 14 －

20240222_10412453_05.indd_1519

qualification;③ Proof of ① & ② are obtainable from the university, etc.
Article 11 (Insurance claim form)
The insured shall submit the following documents besides
documents stipulated in Article 25 (Filing insurance claims) (3) of theStandard Provisions in the event of filing a claim.
① Proof from the university, etc. that the person filing for a claim isinsured by this insurance contract;② Proof from the university, etc. of the time and place the accident
occurred;③ Proof from the university, etc. that the activity that caused theaccident falls under the regular curriculum, school events, or
extracurricular activities;④ Incidental Liability Certification of an Accident while Commuting
between School Facilities for accidents caused by an activity
that falls under Article 1 (Work covered) (2) – (4) in the additional
endorsements in Chapter 2: Endorsement for Premises Liability
Insurance.
Article 12 (Relationship with Standard Provisions)
The Standard Provisions, Amended Endorsement (Premises),
Amended Endorsement (Products), Amended Endorsement (Bailees),and other endorsements attached to this endorsement shall be applied
to items not regulated in this endorsement, as long as they do not goagainst this endorsement.
Endorsement for Uninsured Pollution Risks
In this insurance policy, regardless of the provisions under theEndorsement for Uninsured Pollution Risks, the following provisions
apply.
Article 1 (Insurance claims not covered)(1) The Company shall not cover damages caused by the discharge,
outflow, overflow or leakage of contaminants (hereinafter,
Emissions). However, this excludes cases that meet all thefollowing conditions:① Unforeseen Emissions;② Unpredictable accidents causing Emissions (hereinafter,
Accidents);③ Sudden Emissions;④ The insured discovers Emissions within 7 days from an accident
and notifies the Company within 21 days of the accident as
stipulated in Article 12 (Occurrence of an accident) (1) ① of theStandard Provisions;(2) “Contaminants” in (1) refers to substances that harm living things(including the human body) and substances that may contaminate
the soil, atmosphere, or water. These include fumes, vapors, soot,odors, acids, alkali, chemicals, petroleum, and waste (including
materials used for recycling).
Article 2 (Handling pollution cleanup costs)(1) The Company shall not pay insurance claims for decontamination
expenses or any losses incurred. However, this excludes damages
sustained when the insured is held legally liable to third parties for
written cases or the preceding article (1)(2) “Decontamination expenses” in (1) refers to all expenses required
for the investigation, observation, cleaning, removal, containment,
disposal, detoxification, or neutralization of contaminants,
regardless of their naming conventions.
Article 3 (Relationship with the Standard Provisions)
The Standard Provisions, Amended Endorsement (Premises),
Amended Endorsement (Products), Amended Endorsement (Bailees),and other endorsements attached to this endorsement shall be applied
to items not regulated in this endorsement, as long as they do not goagainst this endorsement.
Chapter 2: Endorsement for Premises Liability Insurance

medical-related practicum.
③ Regular curriculum, school events, or extracurricular activities(including activities in (2) of Course B) conducted in Japan orabroad in medical-related departments or subjects in the event“Course C” is recorded on the “Tally Report,” which includes
medical-related practicum.
(2) Any activity by the insured during transit for the participation ofactivities stipulated in (1) ① through ③ between the insured
student’s residence (includes their place of employment only for
those who enter the university, etc. after passing the entrance
exam for adults) and the facility the activity is located at (facilities incases in which the activity is held in multiple locations and transit
between facilities) by reasonable route(s) and commuting methods(excluding methods prohibited by the university, etc.; same forbelow) shall be considered as “work”. However, this excludes
an activity conducted after deviating or stopping on reasonable
route(s) and an activity conducted during club activities by the
insured.
(3) However, excluding the time for deviating or stopping during (2),an activity that falls under any of the following acts of deviating or
stopping shall be included in “work”:① Minimum activity necessary to purchase or prepare materials
required for “work” in (1);② Minimum activity necessary to exercise voting rights, get a
medical checkup or receive treatment at a hospital or clinic, or
anything based on these considered unavoidable in everyday
life.
(4) Any activity by the insured during the transit between the insured
student’s residence and the facility the activity is located at byreasonable route(s) and commuting methods for the participation ofclub activities along with the regular curriculum and school eventsof the university, etc. shall be included as “work”, regardless of theprovisions in (2) – (3). However, this excludes an activity conducted
after deviating or stopping on reasonable route(s) and an activity
conducted during club activities by the insured.
Article 2 (Relationship with Standard Provisions)
For items not regulated in this endorsement, the Standard
Provisions and the Amended Endorsement (Premises) and otherendorsements attached to this insurance policy shall be applied, aslong as they do not go against terms in this endorsement.
Chapter 3: Endorsement for Product Liability Insurance
Endorsements stated in this chapter shall apply to the Amended
Endorsement (Products)
Additional Endorsements for Product Liability Insurance
Article 1 (Products and work covered)(1) Property (hereinafter, Products) or work (hereinafter, Work) in theinsurance policy stipulated in Article 1 (Insurance claims covered)in the Amended Endorsement (Products) consist of the following
respectively:① Products
Food and drink, as well as results from the regular curriculum,
school events, or extracurricular acti v i ties (including
pharmaceuticals).
② WorkWork stipulated in Article 1 (Work covered) in the additional
endorsements in Chapter 2: Endorsement for Premises Liability
Insurance.
Article 2 (Relationship with Standard Provisions)
For items not regulated in this endorsement, the Standard
Provisions and the Amended Endorsement (Premises) and otherendorsements attached to this insurance policy shall be applied, aslong as they do not go against terms in this endorsement.

Endorsements stated in this chapter shall apply to the Amended
Endorsement (Premises).
Additional Endorsements for Premises Liability Insurance
Article 1 (Work covered)(1) Work in the insurance policy (hereinafter, Work) regulated by
Article 1 (Insurance claims covered) in the Amended Endorsement
consists of the following:① Regular curriculum, school events, or extracurricular activities(including activities in (2) of Course B) conducted in Japan orabroad in the event “Course A” is recorded on the “Tally Report.”
However, this excludes medical-related practicum.
② Educational activities which include internships, hands-on
nursing care activities, educational practicum, nursery practicum,and volunteer activities in Japan or abroad recognized as
regular curriculum, school events, or extracurricular activities inthe event “Course B” is recorded on the “Tally Report.” However,this excludes pharmaceutical educational practical training andEndorsement for Insured Overseas Accidents
Article 1 (Amendments)
Amended Endorsement (Products) Article 1 (Insurance claims
covered) (2) is replaced as follows.
“(2) The Company shall only cover Accidents that occur within Japan
during the period of insurance (hereinafter, Period of Insurance)
mentioned in the insurance policy for Accidents caused by thereasons stated in (1).”Article 2 (Exemption from exclusion clauses)
For Accidents that happened in Japan and overseas, Article 3(Insurance claims not covered) (4) of the Amended Endorsement(Products) shall not be applied.
Article 3 (Relationship with Standard Provisions)
For items not regulated in this endorsement, the Standard
Provisions and the Amended Endorsement (Premises) and otherendorsements attached to this insurance policy shall be applied, aslong as they do not go against terms in this endorsement.

－ 15 －

20240222_10412453_05.indd_1519

Chapter 4: Endorsement for Bailees Liability Insurance
Endorsements stated in this chapter shall apply to the Amended
Endorsement (Bailees).
Additional Endorsements for Bailees Liability Insurance
Article 1 (Insurance claims covered)
The “bailed goods” as stipulated in (1) Article 1 (Insurance claims
covered) in the Amended Endorsement (Bailees) consists of property
belonging to third parties that the insured uses or manages while
engaged in “Work” as stipulated in Article 1 (Work covered) of theAdditional Endorsement for Premises Liability Insurance in Chapter 2:Endorsement for Premises Liability Insurance.
Article 2 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered) of the Standard Provisions, Article 3 (Insurance claims notcovered) of the Amended Endorsement (Bailees), or the damages
from damage, disappearance, theft, or fraud of bailed goods suchas bicycles, motorcycles, automobiles, electronic bicycles, aircraft,watercraft, vehicles, animals, musical instruments, and similar items,
regardless of direct or indirect causes.
Article 3 (Relationship with Standard Provisions)
The Standard Provisions, Amended Endorsement (Bailees), andother endorsements attached to this insurance policy shall be applied
to items not regulated in this endorsement, as long as they do not goagainst this endorsement.

－ 16 －

20240222_10412453_05.indd_1519

IV. Explanations of Important Points
Contract Overview & Points of Attention Explanation
・The Contract Overview gives particularly important information for understanding the details of this product of insurance. Pleasebe sure to read it.

・The Points of Attention contains matters which may be disadvantageous to enrolling students and other matters which are very
important. Please be sure to read them.

・This document does not contain all information about this insurance. Full details are given in the insurance provisions on pages 6 – 16.
For questions and concerns, please contact the section in charge (students section, student support section, health center) at
your school.
※ Since an enrollment certificate is not issued, keep documents that specify your enrollment such as this handbook and Guide to“Liability Insurance Coupled with Gakkensai” in a safe place.

1. Contract Overview
1. Framework and conditions of acceptance(1) Product framework(3) Conditions of acceptance (the insured amount, etc.)

This insurance is a group contract between Japan Educational
Exchanges and Services (JEES), the policyholder, andstudents, the insured (those who can receive compensation)
who are enrolled in schools that are supporting members of
JEES. JEES reserves the right to request the insurance policy
and the right to cancel the insurance contract.

(2) C ompensation period of insurance (insurance
contract period)①For main causes for payment (main cases for compensation),②main exclusions (main cases with no compensation) and ③
the period of insurance and other details, please refer to thebackside of the cover, pages 1 – 4.

Please make a decision based on the underwriting conditionsof the insurance (limit of coverage) from the prearranged
insurance courses. For details of insurance course, pleaserefer to the backside of the cover.

2. Method of payment for premiums

Premiums are decided based on the insurance course chosen
and other factors. For details, please refer to the backside of
the cover.

3. Maturity refunds and policyholders’ dividends

There are no maturity refunds or policyholders’ dividends
under this insurance.

2. Points of Attention
1. Duplication of compensation

In the event that the insured person or their family is alreadycontracted for the same type of insurance product with someother insurer, it is possible that the scope of compensation
may be duplicated. Please take time to examine and review
the details of your contracts, in accordance with your needs.
Moreover, in the course of reviewing your contracts in order
to avoid duplication of compensation, when terminating
contracts with outstanding indemnification, please be awarethat any indemnification may not apply in future. Please
exercise caution.

2. Duty of disclosure

At the time of enrollment, you are required to disclose
important matters(＊1) to the underwriting insurance company.
・In the event that items are missing or they differ from thefacts at the time of enrollment, the policy may be cancelled,
or insurance claims may not be payable.
・When concluding an insurance contract on behalf ofanother person, any failure to disclose pertinent matters, or
any variance from fact in regard to disclosed items caused
either by conscious intent or major oversight on behalf of
the insured party (the person benefiting from the insurance)or that person's representative, and through no fault of theinsuring party or their representative(s), shall be treated asindicated above.
(＊1) This includes matters pertaining to other insurance
contracts.

3. Points to note after joining (notification of changes)

Please refer to P4 and P5 for the procedures if a notificationor accident occurs when withdrawing from school.

4. Commencement date of coverage
Please refer to page 2.

5. Main exclusions (main cases with no compensation)
Please refer to page 4.

6. Handling of insolvent insurance companies

In the event that the 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 theamount of claims, refunds, etc. is reduced. For details, pleaserefer to page 19.

7. Coinsurance

For coinsurance, please refer to the backside of the cover.

8. Handling of private information
Please refer to page 19.

－ 17 －

20240222_10412453_05.indd_1519

V. Occurrence of an accident“Liability Insurance Coupled with Gakkensai”
In the case of an accident covered under this insurance, you shall without delay contact the school insurance
0120-868-066 and report the following details:
desk of Tokio Marine & Nichido at

・Your name, age, and school enrolled at

・Place of accident

・Time and date of accident

・Cause of accident

・Injured party’s name and age

・Extent of damages (injury or damage)

Please inform your school of the accident and the fact of having contacted and reported the above
information to the insurance company.

Tokio Marine & Nichido Fire Insurance Co., Ltd.
For concerns or consultation about insurance:＊Regarding the status of enrollment, please get in touchwith the contact at school.
(Contact Info)
Tokio Marine & Nichido Fire Insurance Co., Ltd.
Government Sector Section II, Education and Official Affairs
Office〒 102-8014
6-4 Sanbancho, Chiyoda-ku, Tokyo
0120-587-050 (Toll free)

For contact or consultation about accidents:

General Insurance Association of Japan

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

Tokio Marine & Nichido Fire Insurance Co., Ltd. hasconcluded a Basic Contract for Implementation of Dispute
Resolution Procedures with the General Insurance
Association of Japan (SONPO), which is a designated dispute
resolution organization designated by the Financial Services
Agency Commissioner, based on the Insurance Business Act.
In the event that a dispute with Tokio Marine & Nichido Fire
Insurance Co., Ltd. is unable to be resolved, an application
for resolution of the dispute may be made with SONPO.
For more information, please refer to the SONPO
homepage.
(https://www.sonpo.or.jp/)0570-022808 (charged call)

School Insurance Desk, Tokio Marine Nichido

0120-868-066 (toll-free)※ This number connects you to your School Insurance Desk, so
calls may be returned from another School Insurance Desk incharge of your school.
[Business Hours: 9:00-17:00 on weekdays(Closed on weekends & holidays)]－ 18 －

When calling from IP phones, please call 03-4332-5241.
Business hours: 9:15-17:00 on weekdays(Closed on weekends & holidays)

20240222_10412453_05.indd_1519

VI. Addresses for insurance claims (Wellness Insurance Money Support Dept,
Tokio Marine & Nichido Fire Insurance Co., Ltd.)
Tokio Marine Nichido Offices (School Insurance Desks)

Address

Tokio Marine & Nichido Fire Insurance Co., Ltd.
Wellness Insurance Money Support Dept., Accident
Insurance Support Office,Accident Insurance Support Team 3 (School Insurance Desk)Toll-free number: 0120-868-066

Toranomon Tokio Marine Nichido Bldg.
3-9-4 Nishishinbashi, Minato-ku, Tokyo
105-8551

VII. Other(Handling of insolvency cases of an underwriting insurance company)
In the event that the 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.
If, at the time of the insolvency of the underwriting insurance company, the policyholder is a private individual, a“small-scale
corporation”(meaning Japanese corporations and foreign corporations where the number of regular employees at the time of
the insolvency does not exceed 20(＊1)) or a condominium owner association, this insurance shall be under the jurisdiction of
the Non-life Insurance Policyholders Protection Organization and claims, refunds, etc. shall, in principle, be covered up to 80%(or 100% in respect of claims arising from the insured incident occurring within 3 months of the suspension of payment by the
insolvent insurance company). (Even in the event that the policyholder is not in a private individual contract, the above coverage
shall apply to the insured individual(s) for the part of the contract which the individual(s) actually bear premiums.)(＊1) Foreign corporations are restricted to contracts entered into by offices in Japan.

(Handling of private information)
Japan Educational Exchanges and Services (JEES), the policyholder of this insurance, will provide private information
concerning the names, student numbers, payment dates, etc. of students enrolled in this insurance to the underwriting
insurance companies in relation to this insurance. The underwriting insurance companies and their group companies will use
such private information concerning this contract for the purposes of underwriting decisions, management and implementationof duties under this contract, provision of incidental services, information and provision of various other insurance and financial
products and related services, conducting questionnaires, as well as in cases (1) to (6) mentioned below. The purposes of using
particular confidential health and medical information (sensitive information) are restricted to the scope considered necessary
for the appropriate operation of insurance business and the like, under the Insurance Business Law Enforcement Regulations.
(1) Private information in this contract shall be provided to entities to accomplish purposes of use deemed necessary. Entities
include entrusted businesses (including insurance agencies), insurance brokers, medical institutions, entities related toinsurance claims and payments, financial institutions, and the like.
(2) Private information shall be used in cooperation with other insurance companies and the General Insurance Association ofJapan for the purpose of making decisions regarding insurance claim payments and other matters.
(3) Private information shall be used in cooperation between Tokio Marine & Nichido Fire Insurance Co., Ltd. and its Group
companies, as well as between Tokio Marine & Nichido Fire Insurance Co., Ltd. and affiliated companies for the purpose ofproviding and introducing products and services.
(4) Private information shall be supplied to reinsurance companies for the purposes of entering into, renewing and managing
reinsurance contracts.
(5) Private information shall be provided to secured parties for administrative procedures regarding the establishment, etc. of
security rights of pledges, liens, etc., as well as the management, and exercise of such rights.
(6) Insurance money claim information etc. (including past information) of those covered by insurance shall be provided tothe policyholder and the student enrolled in this insurance to ensure stable operation of the contract (e.g., judgments of
insurance underwriting relating to renewal contracts).
For details, please refer to the websites of Tokio Marine & Nichido Fire Insurance and other underwriting insurancecompanies. Tokio Marine & Nichido Fire Insurance: www.tokiomarine-nichido.co.jp/
Private information will be included in a list of enrolled members prepared by their schools which JEES submits to Tokio
Marine & Nichido. Should you find it difficult to agree to the above, you are requested to inform JEES immediately. (Agreement
to the above is required to enroll in this insurance.)<Cancellation due to significant reasons>
In any of the following cases, Tokio Marine & Nichido Fire Insurance may cancel enrollment. Note that in such cases, the company may not beable to pay the insurance money either in whole or in part.
・The insured or recipient of insurance money caused damages or injury with the purpose of having Tokio Marine & Nichido Fire Insurance pay
insurance money based on this policy.
・The insured or recipient of insurance money is affiliated with organized crime or is deemed to be an otherwise antisocial force, etc.
・The insured or recipient of insurance money engaged in fraudulent activity with respect to the claim for insurance money based on this policy.

－ 19 －

20240222_10412453_05.indd_1519－ 20 －

20240222_10412453_05.indd_1519

IssuerJapan Educational Exchanges and Services
Student Insurance Division, Student Support Department〒 153-8503
4-5-29 Komaba, Meguro-ku, Tokyo
TEL: 03-5454-5275
http://www.jees.or.jp/
Drafted in November 2023
－ 21 －

20240222_10412453_05.indd_1519

What to do if
you have an
accident

Insurance claim procedures

Perform the procedures below✓ Call the School Insurance Desk (0120-868-066) at□
the insurance company (Tokio Marine & Nichido)
and notify them of the accident.

▼✓ Report the accident to your school.
□▼✓ Prepare the documentation required by Tokio□
Marine & Nichido, including photographs andreceipt for repairs, etc.

▼

□ Get the insurance claim form from your school.
✓▼□ Send the insurance claim form (certified by the✓school) to the Tokio Marine & Nichido School
Insurance Desk (Tokyo).
※ The address is on p. 19.

▼□ Tokio Marine & Nichido will pay the claim.
✓

J-7