20231221_10412195_02_1520_W210*H297

njoy
To Fully E
in JapanYour LifeTo all students of schools participating in Ryuhosyo

For coverage starting on March 1st, 2024

Comprehensive Renter’s Insurance forinternational students “Ryuhosyo”
System to protect you against liability for accident and to mitigate the economic burden on joint sureties (＊1) for rental contract

In Japan, you need a joint surety (＊1) to rent an apartment. Ryuhosyo is a system for international students
where a school staff member acts as the joint surety (＊1).
(＊1) Joint surety…If a lessee (＊2) does not pay the rent, the joint surety pays the rent to the lessor (＊3) onbehalf of the lessee. If the joint surety paid, the lessee (＊2) must reimburse the joint surety.
(＊2) In this system, the lessee refers to the international student who is the insured person.
(＊3) The lessor refers to the landlord, management company, etc.

1. Coverage

This system is comprised of Overseas Travel Insurance ( ① Personal Liability Insurance for International
Students and ② Insurance for a Disability Resulting from an Accident) and the Guarantors’ Protection
Fund (③ Guarantor Protection). For detailed information on coverage, please check “Overseas Travel
Insurance (Summary of Coverage)” and “Guarantors’ Protection Fund (Summary of Coverage)” (page 5).
① Personal Liability Insurance for International Students

I collided with a pedestrianand caused them injury

Accidentally
I set my apartment on fire…

② Insurance for a Disability Resulting from an Accident

I crashed into a tree while skiing,and caused a lasting injury…

③ Guarantor Protection

If an international student causes injury to anotherperson or damage to another person’s property due to“an accident in daily life” or “an accident while using
an accommodation or residential facilities for studying
abroad” and is held liable to pay indemnity, thisinsurance will pay the insurance claim.
(Note) For damage caused to rooms, the coverage
will be limited to cases where the damage is due tofire, explosion, rupture and/or water leakage.

If an international students injury from “a traffic
accident or any other accident while playing sports”
and develop a disability within 180 days since theaccident including the date of the accident, thisinsurance will pay the insurance claim according to thegrade of the disability.
(Note) This does not apply to regular injuries withno lasting disabilities.

If the guarantor pays rent, restoration costs, general service fees, etc. on behalf ofthe lessee, this fund will pay indemnity to the guarantor.
(Note) Applicable only in cases where the rental agreement is cancelled andthe accommodation is handed over within the period of indemnity.

(Note) Overseas Travel Insurance is an insurance where a comprehensive contract is concluded between Japan
Educational Exchanges and Services, and Tokio Marine & Nichido Fire Insurance Co., Ltd.
(Note) Guarantors’ Protection Fund is managed by Japan Educational Exchanges and Services.
1

20231221_10412195_02_1520_W210*H297

2. Parties Entitled to Indemnity○ Overseas Travel Insurance (Personal Liability Insurance for International Students and Insurance for a Disability
Resulting from an Accident): International students
Those who are enrolled in or confirmed to enroll into a university, junior college, technical college, special course at aprofessional training college (vocational school) or Japanese language institution (approved by the Minister of Justice inJapan) in Japan that participate in Ryuhosyo, and, in principle, those who have the residency status of “Student”.
○ Guarantors’ Compensation Fund (Guarantor Protection): Guarantors acting as joint sureties for rental contracts
Agencies or individuals that act as a joint surety when an international student moves into a private apartment① Schools such as universities and Japanese language institutions,and their faculty members (director of International
Student Center, manager of international student department, etc.)② International exchange associations, centers, etc. in the school area.

3. Period of Indemnity
The period of indemnity is either one or two years depending on the international student’s duration of stay.
However, if a student is already enrolled into Ryuhosyo and completes the enrolling procedures by the end of the original
coverage period, the period of indemnity can be extend by six months.

Indemnity End Date (Termination Date) (＊6)

Indemnity Start Date (Inception Date)
・The day after the datecompleting enrollment<New
procedures (＊4)
Enrollment>
・The day the rental
contract begins

Starts at 0AM of the lateroday of the two

Until 12PM of the day before the datecorresponding to the inception date

<Extended From 0AM of the day after the termination of theEnrollment> original period of indemnity (＊5)(＊4) The day after the date when the international student makes the wire transfer of the premium (insurance fees etc.) to theJapan Educational Exchanges and Services and when the school issues the student’s enrollment record.
(＊5) This is limited to cases where an international student is already enrolled in Ryuhosyo and has completed the enrollment
processes for extension before the termination of the previous period of indemnity.
(＊6) In principle, the insurance ends when the “student” status of residence period ends, if the international student is no longer
enrolled in the school due to graduation or dropping out, or if the guarantor’s protection is no longer necessary. In this case,please complete contract cancellation procedures.

<Example>

Period of Indemnity

Indemnity Start Date

Indemnity End Date

1 yearMarch 1st, 2024, 0AM

February 28th, 2025, 12PM

2 years

March 1st, 2024, 0AM

February 28th, 2026, 12PM

6 months

March 1st, 2024, 0AM

August 31st, 2024, 12PM

(Note) Please choose the period of indemnity in accordance with the remaining time of your visa. By re-enrolling, thecoverage can be extended for one or two years.

・If the remaining time on your visa is one year or less........Enroll for 1 year

・If the remaining time on your visa is more than a year......① Enroll for 1 year and renew for 6 months
Or② Enroll for 2 years220231221_10412195_02_1520_W210*H297

4. Premiums and Other Expenses
Period of Indemnity

1 year

2 years

6 months (extension) (＊8)

Premiums and Other Expenses (＊7)

4,000 yen

8,000 yen

2,000 yen(＊7) Premiums and other expenses are the total sum of the premium for Overseas Travel Insurance (Personal Liability forInternational Students and Disability Resulting from an Accident) and the enrollment fees for the Guarantors’ Protection Fund.
(＊8) Only existing enrollees can choose this option.

5. Insured amount / Indemnity
Coverage

Covered Person① Liability Insurance for International Students② Insurance for a Disability Resulting from an AccidentInternational student③ Guarantor Protection

Insured amount / Indemnity (Limit)
Up to 50 million yen per accident (＊9)
Up to 2.4 million yen (＊10)
Up to 300,000 yen (＊11)

Guarantor(＊9) Limit of the payment per accident. The deductible (amount to be paid by the insured) is 0 yen.
(＊10) Limit of the payment through the period of indemnity. There is no limit for the number of accidents.
(＊11) For those students whose lease begins on or after April 1st, 2022, and for those whose compensation period after continued
enrollment begins on or after April 1st, 2022, the total amount of ① unpaid rent up to 3 months, and ② restoration costs up to
100,000 yen, will be compensated in the range not exceeding 300,000 yen.

6. Application
The application procedure for this system generally follows the course below.

START !

GOAL!

Decide on theaccommodation(Note) Notify your school if
you move or change
guarantors.

Move inSchoolConsultation with thejoint surety regarding
the insurance enrollment

Copy
Payment slip

International student

SchoolEnrollment record

Rentalcontract

3 Submit copy of the Rental Contract
Copy the rental contract and submit it toyour school.

Payment slip

International student
Enrollment record
International student

1 Payment of Insurance Premium
Receive the payment slip from yourschool and make the payment as
instructed. (Bank transfer, convenience
store payment, etc.)

Rentalcontract
Lessor /Real estate agency

3

2 Contract
Receive the enrollment record fromyour school and conclude the contract
after presenting the record to the lessor
or the real estate agency.
Please request the guarantor (school,etc.) to fill in their name and put theirseal on the contract.

20231221_10412195_02_1520_W210*H297■ Matters that Require Attention when Enrolling

reason for the request is the extension of your stay in Japan③ This insurance is not available for those who have no plans to returnto their country or those who are permanent residents of Japan.
For this reason, please note that you may be requested to make astatement about your residence status when signing an insurance
contract or requesting an insurance claim.
④ In the event of the insolvency of the insurance company: If
the insurance company becomes insolvent, the payment of claims,
repayment, etc. may be suspended for a certain time of period, or theamounts may be reduced. In such an event, the insurance will comeunder “Non-life Insurance Policy-holders Protection Corporation ofJapan” and the insured will be compensated, in principle, up to 80% of
the claims and repayment (100% for claims related to covered accidents
that occured no later than three months following the suspension of thepayment by the insolvent insurance company).
⑤ Verification of the content of contract and of accident reports: Inorder to prevent the occurrence of accidents with fraudulent contracts
regarding accident insurance and to ensure the appropriate quick andsecure payment of claims, the insurance companies make it a rule toverify the information registered in the General Insurance Association ofJapan, when a contract is signed or when an accident occurs, regarding
the insured, the insurance contract conditions relating to the accident, andthe circumstances where the claim is requested. The obtained information
will not be used for any other purposes. If you have any questions, pleaserefer to the insurance company.

① Please check the requirements for application before enrollment(Duty of Disclosure).
When enrolling, please check carefully that there are no mistakes on theentries for the application procedures. If any of the information is untrue
or unfair, the insurance contract may be cancelled and you may not beable to receive any compensation.
Furthermore, in the following cases we may not be able to pay any
compensation. For any questions, please contact Japan Educational
Exchanges and Services or the insurance company.
・If you engage in mountain climbing using an ice axes or othermountaineering tools, luging, bobsledding, skeleton sledding, skydiving,hang gliding, boarding ultralight aviation (motor hang gliders, micro-lightaircrafts, ultra-light aircrafts etc., excluding parachute ultra-light aviationsuch as paraplanes), riding a gyro plane, or participating in any otherdangerous sports activities similar to these during the period of indemnity.
・If you pilot an aircraft during the period of indemnity (except if piloting
an airplane is performed as part of your job)・If you participate in competitions, test drives, and/or free drives on
sports grounds in a passenger vehicle such as automobiles during theperiod of indemnity
・If you engage in dangerous work during the period of indemnity (forexample, professional boxing, professional wrestling, etc.)② Please note the following.
・When applying for the insurance, you may be requested to present yourpassport.
・The request to extend the insurance period may not be accepted if the■ When in an Accident
Overseas Travel International
Insurance
student

Japan Educational
Exchanges andServices

SchoolGuarantor
Protection

Guarantor

Tokio Marine & Nichido
Fire Insurance Co., Ltd.
International Travel
Insurance Damage Claims
Service Division(Contact information)
0120-881-503

In Case of an Accident① Notify of the accident: If an accident occurs, please notify your school of the date and time, location and the circumstances of the accident, and thename of the injured. The school should contact Japan Educational Exchanges and Services within 30 days since the day of the accident.
② In case of a liability accident: There is no “out-of-court settlement service” where the insurance company and the injured person can settle out of court.
Accordingly, please note that if an accident occurs and there is liability for compensation, based on the advise of the insurance company’s supervising
department, the insured (the one covered by the insurance) him or herself must enter into out of court settlement negotiations with the victim. Please note that
if an amicable settlement is concluded without the approval of the insurance company, the full or partial amount of the settlement money may not be payable.
(Request)
In order for students to not feel burdened by having to communicate in Japanese, we request that schools become contact points for Japan Educational
Exchanges and Services and insurance companies.

■ Notes for After Enrolling■ Others① Duty of Notice: (The obligation to notify the insurance company if there
are any changes in the contents of the contract after enrollment): Afterenrolling, if the following things occur in the contract contents, you must
notify your school, Japan Educational Exchanges and Services, or the
insurance company. Please note that if there is no notice, the insurancemoney may be reduced.
・If you become engaged in dangerous work during the period ofindemnity (For example: professional boxing, professional wrestling,etc.)② If you wish to cancel the contract because you leave school or Japan,
please notify your school or Japan Educational Exchanges and Services.
The insurance fees for the rest of the period may be refundable.

This pamphlet introduces information about Overseas Travel Insurance
and the Guarantors’ Protection Fund. Upon enrolling in Overseas Travel
Insurance, please read the “Disclosure Statement”. If you have any
questions, please contact the policy holder or the insurance companies
listed on page 8.
Overseas Travel Insurance is a comprehensive agreement regarding
overseas travel with Japan Educational Exchanges and Services as theinsurance contractor, and the insured are those international students who
study in one of the schools cooperating with Japan Educational Exchanges
and Services and who are enrolled in the Guarantors’ Protection Fund.
Japan Educational Exchanges and Services holds the rights to request
insurance policies and to cancel insurance contracts, among others.

<Examples of accidents where Overseas Travel Insurance claims were paid> (payment amount)

・The water hose of a washing machine became loose and leaked ・An accidental fire while cooking caused fire damage to an
water, causing water damage to neighboring apartments, etc (6.77
apartment and communal area (1.95 million yen)million yen)・While riding a bicycle, the insured failed to stop at an intersection
and struck a motorcycle, causing injury (1.04 million yen)・While riding a bicycle, the insured collided with someone andcaused them injury (6.01 million yen)・Mimicking sumo wrestling with another student caused damage toa classroom wall (28,000 yen)
・A bottle of soy sauce placed in the window of an apartment fell out
the window and damaged a car in the parking lot (2.17 million yen) ・Water pipes froze and were damaged (14,000 yen)4

20231221_10412195_02_1520_W210*H297■ Overseas Travel Insurance (Summary of Coverage)
Insurance Type

Liability
Insurance forInternational
Students

Cases Where Claims Are Payable

AMounts of Claims Payable

Cases Where Claims Are Not Payable

Due to an unexpected incident occurring while Compensation amounts for damages
 or every accident, compensation
traveling overseas, if the insured is legally liable (Note) F
is limited to the insur ancefor damages that cause injury to another person
payment of the Personal Liabilityor harm to the property (＊13) of anotherInsur ance f or International
person stemming from an accident arising inStudents.
daily life or the ownership, use, or managementof a residence (＊12)(Note) W hen you recognize you
are liable for damages either(＊12) W hat is a residence?
in whole or in part, please
A residence refers to accommodations or
consult with this insurance
residential facilities that the insured uses
company without delay.
for studying in Japan or for traveling.
(Note) A n insurance payment may(＊13) T his includes damage (＊14) to travel
be payable for expenses that
goods, household goods, guest rooms
are necessary or beneficial
in accommodations, movable property
to prevent damages fromin a guest room in an accommodation
occurring or increasing,(including safe deposit boxes outside
as well as for court costs,
guest rooms and guest room keys),lawyer’s fees, etc. paid out
residential facilities (including movablewith the agreement of thisproperty in rooms) that have been
insurance company.
directly borrowed by the policyholder or (Note) If the insured is a person
insured from a rental company.
without capacity to assume(＊14) Coverage for residential facilities differs
liability, compensation is madedepending on whether damage wasto the person with parental
caused to a room or outside a room.
authority who is legally liable
Damage to a room:for damages incurred by theDamage caused to the room is covered.
actions of said person who is
However, when a building or an entire
without capacity to assume
apartment unit is being rented, coverageliability.
is limited to the following.
 amage caused to the room due to①D
fire, explosion, or rupture amage caused to the room due②D
to water leakage or leaked waterfrom water discharge or overflowing
water; however, damage arising fromplumbing equipment is excluded
Damage to an area other than a room:
Damage due to fire, explosion, rupture,
water leakage, or leaked water from water
discharge or overflowing water is covered.

Examples:① Wars, use of military force by a foreign country, revolution,
political insurrection, civil strife, armed rebellion, andother similar incidents (＊15)② Radiation exposure or radioactive pollution③ An intentional act on the part of the policyholder or the insured④ (Work-related) compensation liability associated withperforming job duties or part-time work duties⑤ Compensation liability attributable to the possession, use,
or management of aircraft, boats (＊16), vehicles (＊17),
or guns (excluding air guns).
⑥ Compensation liability related to entrusted items (items
included in (＊13) are covered)⑦ Compensation liability to family members (＊18)

When a physical impediment arises within
180 days from the day an accident occurs,
including the day of the accident, due to an
injury sustained from a sudden and unexpected
accident caused by an external force while
traveling overseas

Examples:① An intentional act or gross negligence on the part of thepolicyholder or the insured② An intentional act or gross negligence on the part of theinsured insurance beneficiary③ Wars, use of military force by a foreign country, revolution,
political insurrection, civil strife, armed rebellion, andother similar incidents (＊22)④ Radiation exposure or radioactive pollution⑤ Injuries due to accidents that occurred while driving
unlicensed or under the influence of alcohol or drugs⑥ Fights, suicide, or criminal acts
⑦ Injuries due to brain disease, loss of sanity, pregnancy,
childbirth, premature birth, or miscarriage⑧ Injuries sustained before or after traveling overseas⑨ Injuries sustained while mountain climbing using
mountaineering equipment such as ice axes andcrampons, piloting aircraft outside of work, bobsledding,skydiving, hang gliding, or carrying out dangerous
activities including competitions and test driving means oftransport such as automobiles (compensation is provided
when paired with a special rider for dangerous acts andan additional premium is paid for these activities, etc.).

Indemnity fora Disability
Resulting froman Accident

4%–100% of compensation for aphysical impediment resulting froman accident (according to the degreeof disability) (＊21)(Note) T h e m a x i m u m a m o u n t o fcompensation is limited to theaggregate insurance payment
for a physical impedimentresulting from an accident
throughout the insurance
period (duration of the policy).

(＊15) A cts of terrorism are covered since a partiallyrevised special contract related to exemption from
responsibility, such as war risk, is paired with the policy.
(＊16) Yachts and personal watercraft are covered.
(＊17) R ental cars are included. In addition, bicycles,
golf carts, and snowmobiles, etc. used for leisurepurposes are covered.
(＊18) Family members refers to blood relatives within six
degrees of kinship, spouses (＊19), or relatives bymarriage within three degrees of kinship.
(＊19) S pouses includes a person with whom there is ade-facto marital relationship, though notification of
marriage has not been submitted, and a person
whose sex recorded in the family register is thesame but in practice has a relationship that does notdiffer from a marital relationship. (This is limited to
instances in which it can be confirmed in writing, etc.
that all the following requirements are met. This isdifferent from an engagement.)① There is marital intention (＊20). ② The persons
are living together and cohabitating in a manner
identical to a married couple.
(＊20) When the sex of the persons recorded on their family
registers is the same, this refers to the intent tocontinue a relationship identical to a married couple
into the future.

(＊21) F or policies for insured persons
who are age 70 and older on
the day the policy goes into
effect, compensation is limited
to physical impediments coming
under the payout percentage
for class 3 or above in thephysical impediment class table(automatically paired with thelimited compensation rider forphysical impediment classes).
However, this rider is included
when a special contract related (＊22) A cts of terrorism are covered since a partiallyto an umbrella policy or a policy
revised special contract related to exemption frompaired with a special contract
responsibility, such as war risk, is paired with therelated to an umbrella policy forpolicy.
a company, etc. is indicated on
an insurance policy, insurancec e r t i f i c a t e , o r i n s ur a n c eidentification certificate.

■ Guarantors’ Protection Fund (Summary of Coverage)
Cases where Compensations are Payable

Cases Where Compensations Are Not Payable

Compensation will be paid to the joint surety if an international student (the lessee) Compensations are not payable for the following damages.
does not fulfill any of the following obligations to the lessor and causes damage to (1) The following damages are not recognized as liabilities borne by the international
the joint surety.
student (the lessee) to the lessor(1) Payment of housing rent, rental fees, and/or general service fees
A Utility fees(2) Payment of repairs and/or restoration costs of the rented rooms
B Resident’s association fees
C O ther damages from the fulfillment of liabilities that the lessor has no(Notes)obligation to pay on behalf of the lessee
・This is only applicable if the rental agreement is cancelled and the accommodation (2) Damage that occurs due to intentional or large errors from joint sureties, lessees,is handed over within the period of indemnity.
or their representatives
・If the joint surety is still in contact with the international student, please have the (3) D amage based on non-fulfillment that occurs from disputes between theguarantor provide instructions to the student first.
lessee and lessor due to raises in the price of rent that are not fair or proper,
environmental degradation, or non-fulfillment of lessor obligations(4) Damage caused by the lessee that occurs from payment in arrears of rent and[Right to Indemnification]other fees when the period of indemnity begins
If the guarantor receives indemnity, the debts against the international student,(5) If a rental contract is not created even when the period of indemnity has begun,
which is equivalent to the compensation amount provided, shall be transferred
or if a joint surety is not secured for the rental contract
to Japan Educational Exchanges and Services and Japan Educational(6) After a rental contract is concluded, if the lessee changes, or if a sub-lease contract is
Exchanges and Services will bill it to the international student.
created without obtaining the permission of the guarantor or the participating school
The guarantor will be requested to cooperate in searching for the international(7) If the international student, joint surety, or their representatives commit fraud
student’s location to exercise the right to indemnification.
when applying for Ryuhosyo520231221_10412195_02_1520_W210*H297

Disclosure Statement(Policy Summary / Explanation of Information Requiring Attention)

PLEASE READ CAREFULLY.

Policy Summary / Explanation of Information Requiring Attention● This disclosure statement does not cover all contents regarding the insurance you will be enrolled in. The details may vary depending on
the insurance policy handed to Japan Educational Exchanges and Services (the policyholder). If you have any questions, please send an
inquiry to the “contact information” listed on page 8 of this pamphlet.
● The policy summary features information that is especially important for you to understand the contents of the insurance you will be enrolled
in. Please make sure you read it before enrolling.
● The information requiring attention features information we would like to call your special attention to, such as items that may cause
disadvantage to you when applying for the insurance you are to enroll in. Please make sure you read it before enrolling.
(Note) Please keep this pamphlet, your enrollment record, and any other document that could help you understand the enrollment contents.

Policy Summary
1. System and Conditions for Enrollment of the Product(1) Product System
The insurance is a comprehensive agreement with Japan Educational Exchanges and Services as the insurance contractor, and theinsured are those international students who study in one of the schools cooperating with Japan Educational Exchanges and Services
and who are enrolled in the Guarantors’ Protection Fund. Japan Educational Exchanges and Services holds the rights to request
insurance policies and to cancel insurance contracts, among others.
Regarding the name of this insurance, the organization (the contractor) and the conditions for enrollment, please refer to pages 1, 2 and 8.
(2) Compensation and Insurance Period (contract period for insurance)
Regarding ① main reasons for payment (cases where claims are payable), insurance payment amount, ② main reasons for exemption(main cases where claims are not payable), ③ insurance period (period of indemnity), please refer to pages 1-3 and 5.
(3) Conditions for Enrollment (insurance amounts)
Conditions for enrollment (insurance amounts etc.) for this insurance are to be chosen from the compensation periods which are alreadyset. For details regarding the compensation periods, please refer to page 2.
2. Premiums and Paying Methods
The amount of the premium will be set according to the contract period you choose to enroll in. Regarding the premiums and the methods of
payment, please refer to page 3.
3. Maturity Repayment and Insurance DividendThis insurance does not have either maturity repayment or insurance dividend.

Explanation of Information Requiring Attention
1. Duty of Disclosure, Duty of Notice, etc.
(1) Special points to be considered when enrolling in this insurance○ Insurance is a system where many people pay premiums to compensate among each other when an accident occurs. Therefore, if
people who have a higher chance of receiving the payment are allowed to join without any condition, the fairness of the insurance feeburden will not be preserved.
○ For this reason, when enrolling, you have an obligation to submit important information to the insurance company (Duty of Disclosure)(and the insurance company holds the right to receive disclosure). For further details of the Duty of Disclosure, please refer to page 4.
○ If the truth is not reported or things different from the truth are reported intentionally or by gross negligence, and if it is within 5 years
since the submission of the insurance application, the insurance company may cancel the enrollment as a violation against the Duty ofDisclosure.
○ If the contract is cancelled, the claims cannot be paid, even if there is a good reason it should be. However, if there is no cause andeffect relationship between the “occurrence of an accident to be covered by the insurance” and “actual cause of the cancellation”, theclaims will be payable.
○ Besides the cases where we cancel the contract, there may be other cases where claims will not be payable due to the circumstances
when the contract is signed. For example, if the violation against the Duty of Disclosure is critical such as “you intentionally avoided todisclose us of the illness or symptoms that are difficult to cure with existing medical standards”, there may be cases where the claims
are not payable regardless of how many years have passed.
(2) Items to pay attention to after enrolling (Duty of Notice)Regarding the Duty of Notice for when you become engaged in a dangerous job during the period of indemnity (for example, professional
boxing, professional wrestling, etc.), or the procedures when an accident occurs, please refer to page 4. If we do not receive any noticeor if you do not complete the procedures, the enrollment may be cancelled or claims may not be payable.
(3) Contract renewal
Please note that there may be cases where continuation of a contract is refused or the conditions are restricted depending on thecircumstances of the insurance claims.
2. Start of insurance liability period
Insurance liability, in principle, starts as the period of indemnity (insurance period) starts as shown on page 2.
3. Main Reasons for Exemption (Main cases where claims are not payable)
Please refer to page 5.
4. In the event of the insolvency of the insurance company
In the event that the insurance company becomes insolvent, the payment of claims, matury repayment, etc. may be suspended for a certain
time of period, or the amounts may be reduced. For details please refer to page 4.

(Continued on the next page)6

20231221_10412195_02_1520_W210*H297

5. Handling of Personal Information
Please refer to “Handling of Personal Information” on page 7.
6. Change to a New Insurance Contract
If you are considering enrolling into a new insurance contract, based on the assumption that you will either cancel the current enrollment or
reduce the amount, please keep the following points in mind.
① Disadvantages you may get if you cancel the current contract or reduce the amount○ In many cases, the repayment is less than the total amount of primes you have paid until then.
② Points to consider if enrolling in a new insurance contract hen we newly receive a disclosure for new enrollment, and if there is any information not being notified to us or if any information is○W
different from the truth, there may be cases where it is considered as the violation against the Duty of Disclosure. In such a case, theenrollment may be cancelled and the claims may not be payable.
○ If an accident occurs before the start of the liability period for the insurance contract you are newly enrolled in, insurance money may
not be payable.
7. Cancellation by Request from the Insured
There is a system where a insured can submit a request to cancel an enrollment related to him/herself. For details regarding the system
and/or procedures, please get in contact with “contact information” listed in the pamphlet.
8. Insurance Claim and Payment(1) Procedures in case of an accident
Regarding procedures for when an accident occurs, please refer to the pamphlet.
(2) Documents for insurance claim
When claiming for insurance, you may be requested to submit the following documents or evidence besides documents stipulated in theagreement.
・Documents or evidence that prove an accident has occurred and/or the circumstances of the accident, such as transport accident
report, accident report prepared by a person in charge of the accident site, etc.
・Documents or evidence that could be used to confirm the person is covered by the insurance, such as certificate of residence, extractof family register, etc.
・Documents or evidence that prove the degree of injury or illness, such as X-rays or MRIs.
・Documents or evidence that could be used to confirm the price of the damaged item (receipts etc.), pictures of the damaged item, andany documents or evidence that could be used to confirm the expenses needed for its repair, such as quotation.
・Documents or evidence that could be used to calculate the amount of indemnity to be paid by us, the insurance company, such as
payment breakdown document that shows the details of the claim paid by other insurance contracts etc.
(3) Insurance claim via a representative
If the insured has reasons he/she cannot claim the insurance and if there is no one else who can receive the payment as his/her
representative, there are cases where a family member of the insured (spouse, for example) who fulfills the conditions set by the
insurance company may act as his/her representative and claim the payment. For details, please get in contact with “contact information”
listed in the pamphlet.
(4) Indemnity Payment
Besides the expense insurance, the insured may request indemnity for liability but exclusively in the following cases ① to ③ .
① If the insured has already settled payment to the victim as compensation for damage② If it is confirmed that the victim has agreed the claim may be paid to the insured③ If the insurance company directly pays the indemnity to the victim based on the instructions by the insured[Handling of Personal Information]
Japan Educational Exchanges and Services (Contractor) provides personal information related to the contract to Tokio Marine & Nichido Fire
Insurance Co., Ltd. Tokio Marine & Nichido Fire Insurance Co., Ltd. and Tokio Marine Group companies (＊23) use the personal information
related to the contract (including information obtained in the past) for judgements whether or not to contract the insurance, for management
and fulfillment of the contract, for providing additional services, for providing guidance on products and services of other insurances andfinancial products, and for carrying out surveys. In addition, there may be cases where it is used and/or provided for the following purposes① to ⑥ . The purposes of use of special non-disclosure information such as health- and/or medical-related information (sensitive information)
are limited to the scope that is considered necessary for assuring the appropriate management of duties in accordance with the Regulation for
Enforcement of the Insurance Business Act.
① Within the necessary scope for achieving the purposes of use of personal information related to the contract, personal information may beprovided to outsourcing contractors (including insurance agencies), insurance brokers, medical institutions, parties related to claims andpayments of the insurance, financial institutions, among others.
② As a reference for judging whether or not to conclude the contract, to modify the contracts, to pay the claim etc., personal information may
be used together with other non-life insurance companies, other insurance companies in the Tokio Marine Group, and the General Insurance
Association of Japan (General Incorporated Association).
③ For offering and providing guidance on products and services, personal information may be used together between Tokio Marine & Nichido
Fire Insurance Co., Ltd. and Tokio Marine Group companies, and between Tokio Marine & Nichido Fire Insurance Co., Ltd. and its partnercompanies.
④ For the conclusion, renewal, maintenance and/or management of the reinsurance contracts as well as for the reinsurance payment by thereinsurance companies, personal information may be provided to reinsurance companies in Japan or other countries.
⑤ For the paperwork including setting, changes, and/or transfers of security rights by secured creditors of mortgages, rights of pledges, rights
to security by way of assignment, and reservations, management and exercise of secured property rights, personal information may beprovided to secured parties.
⑥ For providing information to the policyholder or enrollee regarding insurance claims, etc. on the insured (including past information) for the
purpose of making judgments on insurance underwriting and other actions for steadfast policy management.
(＊23) “Tokio Marine Group” includes companies under the Tokio Marine Holdings such as Tokio Marine & Nichido Fire Insurance Co., Ltd.,
Nisshin Fire & Marine Insurance Co., Ltd., Tokio Marine & Nichido Life Insurance, as well as subsidiaries of these companies.
To see the list of Tokio Marine Group companies and partner companies, that of managers in charge of the use of personal information in
the Group, that of products and services, and/or the handling of personal information in Tokio Marine & Nichido Fire Insurance Co., Ltd. (andTokio Marine Group companies), please check the website of Tokio Marine & Nichido Fire Insurance Co., Ltd. (www.tokiomarine-nichido.co.jp)720231221_10412195_02_1520_W210*H297

Points to be confirmed upon enrollment (Confirmation of Intentions)This is to confirm that the insurance product you are to enroll in meet your requests, and to verify that those points that are especially important
are entered correctly upon application, so you can use the insurance with security in case an accident occurs.
Please check each of the following questions one more time to make sure.
Should you come up with any questions upon checking it, please get in contact with the “contact information “listed below.

1. Please read this pamphlet (including the disclosure statement) and confirm the insurance product meets yourrequests in the following points.
If the points do not meet your requests, please examine the enrollment contents again.
□ Cases that pay out insurance payments□ Amount covered (contract amount)□ Period of indemnity (insurance contract period)□ Insurance fee

2. Please read carefully if you will practice the following sports during the period of indemnity.

□ Claims are not payable if an accident occurs while practicing any of the following sports. If you have any questions, please contact JEES
or the insurance company.
・Mountain climbing (Using hiking tools such as ice axes, climbing irons, ropes, and hammers)
・Luging, bobsledding or skeleton sledding
・Aircraft operation (except for gliders and airships) (except for aircraft operation for work)
・Skydiving, hang gliding, riding ultralight aircraft (motor hang gliders, microlights, ultralights, etc.; excluding powered-parachute ultralightaircraft such as a paraplane), and gyroplanes
・Other dangerous sports similar to these・Competitions, test drives, etc. using means of transport such as automobiles

3. Do you confirm the contents of the Disclosure Statement (contract summary, information requiring attention)?

The “Explanation of Information Requiring Attention” particularly covers information that may be a disadvantage for you, such as “MainReasons for Exemption (main cases where claims are not payable),” as well as the “Duty of Disclosure, Duty of Notice”. Please make sure
you check them all.

● For questions and inquiries regarding insurance…

● Regarding Guarantor Protection…

<Insurance Company><Contractor>

Government Sector Department 2, Education and Official Affairs Office
6-4 Sanban-cho, Chiyoda-ku, Tokyo 102-8014

Student Insurance Division, Student Support Department
4-5-29 Komaba, Meguro-ku, Tokyo 153-8503

Tokio Marine & Nichido Fire Insurance Co., Ltd.
Inquiries

TEL : 0120-587-050

www.tokiomarine-nichido.co.jp

Contact
informationin case of an
accident

Tokio Marine & Nichido Fire Insurance Co., Ltd.

0120-881-503

Japan Educational Exchanges and Services

TEL : 03-5454-5275
http://www.jees.or.jp/

How to use toll-free● Reception hours: Weekdays from 9AM to 5PM

Sonpo ADR Center, the General Insurance Association of Japan (Designated dispute resolution organization)

DesignatedFrom IP phones please call 03-4332-5241
0570-022808 (Chargeable call)disputeReception hours: Weekdays from 9:15AM to 5PM(Closed on Saturdays, Sundays, national holidays, and year-end and New Year holidays)
resolution
organization Besides normal consultations regarding non life insurance, we deal with complaints such as problems resolving troubles with the non life insurancecompany, and offer support to settle dispute with non life insurance company.

(Created in January 2024)
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