20240221_10412375_05_1520

For students covered under the Personal Accident Insurance forStudents Pursuing Education and Research "Gakkensai"
Insurance effective as of April 1, 2024

Insurance for accidents involving third
parties or their property

Academic Year 2024
Covers liability during regularcurricular activities, school events,
etc. (in Japan and other countries).

Guide to Liability Insurance Coupled with Gakkensai, "Futaibaiseki"Students covered under this insurance

Period of insurance

Those currently enrolled in graduate schools, universities,
junior colleges or technical colleges that are supporting
members of Japan Educational Exchanges and Services(JEES) among the universities and other educational
institutions stipulated in the School Education Law andwho are insured by "Gakkensai" (＊1) .

• Students admitted in April:( ＊ 1) G akkensai is the Japanese abbreviation of the Personal
Accident Insurance for Students Pursuing Education andResearch.

From 0:00 a.m., April 1 to 12 p.m., March 31 of the following year.

• Students admitted in September:

From 0:00 a.m., September 1 to 12 p.m., August 31 of the following year.

• Students admitted in October:

From 0:00 a.m., October 1 to 12 p.m., September 30 of the following year.

(Note) When enrolled for one year. For multi-year insurance contracts, the insurance is effective until the end of theacademic year in which the insurance ends.
(Note) T he above applies to optional enrollment (decided by the student). If the student does not pay the premiumby the day before the insurance period begins, the insurance period shall be from midnight the day after
the premium is paid until the end of the period. For joint enrollment of all students, please refer to page 4.

Covers liability for damages such as these
Breaking a device
sensor while performing
an experiment.

strianHitting a pede
mmuteduring your co jury.
an in
g
in
us
ca
d
an
dC

➡ Courses A and C➡ Courses

ct
Breaking a produ
ur
yo
do
u
yo
where
internship.
➡ Courses A, B andChoose your course
according to yourschool’s (＊2)
instructions!

C

A an

Gakkensai Character:
Sai-chanDropping and breaking amobile phone belonging
to the hospital while
doing an internship.
➡ Course C

Course A "Gakkenbai"

Course B "Intern-bai"Course C "Igakubai"

Covers accidents occurring
during your classes or commute!

Limited to internships and educational
practicum, or other similar programs!

Peace of mind during medicalrelated practicum as well!

Pays damages for
accidents that occur
during class, school
events or your commuteto and from school!

Pays damages for accidents that occur during
internships, hands-on nursing care activities,
educational practicum, nursery practicum, volunteer
activities and commuting to and from them!

Pays damages for
accidents that occur during
practicum at medical
related departments,
school events and yourcommute!

(Note) You do not need toenroll in course B if you
have enrolled in course A.

(Note) Excludes medical-related practicum andpharmaceutical educational practical training.
(Note) L imited to regular curricular activities, school events or
extracurricular activities (＊3) recognized by the school.

(Note) You do not need toenroll in course A andcourse B if you have enrolled in course C.

Gakkenbai (Course A): Liability Insurance for Students Pursuing Education and Research / Intern-bai (Course B): Liability Insurance for Internships, Professional Qualification Activities, etc.
Igakubai (Course C): Liability Insurance for Medical Students Pursuing Study and Research

Enrollment details

Follow instructions as given by your school (＊2), as enrollment procedures and the courses available differ at each school (＊2).

( ＊ 2) Graduate schools, universities, junior colleges or technical colleges stipulated within the School Education Law etc. that are supporting members of Japan Educational
Exchanges and Services (JEES).

Compensation
Students (the insured) 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 for causing injuries to a third party or damaging any property belonging to a third party, etc. during theircurricular activities, school events, extracurricular activities (＊3), or commuting to and from them.
( ＊ 3) “ Extracurricular activities” refers to the internship or volunteer activities carried out in the school for internship or volunteer purposes by student groups that are approvedby the school in accordance with the formalities prescribed by the school. Therefore, any accidents during other club activities outside of this scope will not be covered.
However, coverage shall be provided for acts that 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 regular curriculum or school activities on the same day.
This university/college offers the Liability Insurance Coupled with Personal Accident Insurance for Students Pursuing Education and Research provided by Japan Educational
Exchanges and Services (JEES). This insurance provides enrollees with coverage for accidents occurring during educational and research activities while at university/college. For
further information, please read the “Handbook for Enrollment” of this insurance available on the JEES website.

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1. Scope of activities
Course( ＊ 1)
Excludes medical-related practicum. Includes pharmaceuticaleducational practical training.

Course A (＊1)("Gakkenbai")

Course B (＊2)("Intern-bai")

Course C (＊3)("Igakubai")During internships, nursing care experience,educational practicum, nursery practicum, volunteer
activities and commuting to and from them. (＊4)

○

○

○

Regular curricular activities, school events andextracurricular activities other than the above
and commuting to and from them.

○

×

○

( ＊ 4)
Limited to regular curricular activities, school events andextracurricular activities recognized by the school.

Medical-related practicum (＊5) and the commute×○( ＊ 5)
Medical-related departments and studies refers to regularcurricular activities and school events recognized by theuniversity.

Activities

×( ＊ 2)
Excludes medical-related practicum and pharmaceuticaleducational practical training.
( ＊ 3)
Includes medical-related practicum.

2. Insured amount (limits of coverage) and premiums covered
Course A
Limit of coverage (＊6)

Course B

Course C

100 million yen per accident combining both bodily injury and property damage. (No deductible(＊7))

Premium per insured
person1 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

( ＊ 6)
Limit of coverage for one insured person
per year.
( ＊ 7)A deductible is the amount of money
deducted from damages within calculated
insurance payments. Deductible means
the amount to be borne by the insured.

(Note) The annual premium is charged even for those enrolling midway through the academic year.
(Note) Cancellation is possible during the insurance period, but the premium for that academic year will not be refunded.

3. Main cases covered under this insurance◆ (For details please refer to the insurance clauses. Please check the content of ② Legal expenses incurred, such as hiring a lawyer, with the written consent of thethe clauses on the Japan Educational Exchanges and Services (JEES) website.)Company
1. When the insured is held legally liable for damage caused by a disability to third ③ Expenses incurred that are deemed necessary or beneficial, with the written
parties (including death resulting from the disability; the same applying hereinafter) or
consent of the Company, to preserve or exercise the right to receive compensation
for the damage to any property belonging to third parties (including loss, breakage,for damages from a third party, or in order to prevent the occurrence or extension ofor stains) during the insurance period for the following reasons:further damages from a prior accident;
A. An unexpected accident occuring during the activities specified in "1. Scope of ④ Expenses for the need of emergency measures such as first-aid treatment and/activities" above (hereinafter "activities"), which are caused by the implementation ofor escort, or other expenses incurred, with the written consent of the Company, inthese activities (Premises Liability Insurance).
cases that have been deemed as creating no liability after taking the necessary steps
B. An unexpected accident caused by food or drink or goods (including
to preserve or exercise the right to receive compensation for damages from a third
pharmaceuticals, hereinafter “products”) supplied in connection with school curricula,party, or in order to prevent the occurrence or extension of further damages from aschool events, or extracurricular activities (＊2 on page 1) which were not in possession
prior accident;of the insured party, or an accident caused by these activities and arising after ⑤ Expenses incurred in cooperation with requests from the underwriting insurancecompany in cases where the Company settles outstanding compensation forcompletion of these activities. (Product Liability Insurance)damages in lieu of the insured.
2. When the insured has been held legally liable for damages during the insurance
period by a person who is legally entitled to an entrusted article that the insured 【Method of claim payments】
has subjected to destruction, damage, staining, loss, theft or fraud in relation to the Regarding the legal damages in ① above, we will pay insurance claims up to the limit
property of another person (“entrusted property”) which was used or controlled by of payment. (In the case of fiduciary liability insurance, the limit is the market value ofthe insured during activities (Bailee’s Liability Insurance).
the consignment at the place and time when the accident occurred.)In principle, the amount of expenses in ②-⑤ above is covered in whole by this【Types of claims payable】
The Company shall pay the following compensation or expenses borne by the insured: insurance.
(Note) P rior approval by the underwriting insurance company is required for the However, if the amount of damages in ① exceeds the limit of coverage, this insurance
recognition of liability and the determination of compensation amount.
will cover a partial amount for legal expenses in ② calculated by reducing the "limit ofcoverage ÷ compensation for damages in ① " from expenses.
① Compensation for damages the insured is liable for;

4. Main cases with no compensation◆ (For details please refer to the insurance clauses. Please check the content of
the clauses on the Japan Educational Exchanges and Services (JEES) website.)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;② Damage and cleanup cost caused by emission, discharge, escape or leakage ofcontaminants (however, this excludes cases where the emission, etc. of contaminant
is unforeseen, unexpected and sudden, and the insured discovers this within theprescribed period of time and informs the underwriting insurance company within theprescribed period).
③ Liability arising from carcinogenic or harmful substances such as asbestos andalternative substances;• Common① Willful act of the policyholder or the insured;② War, disturbances, riots, civil commotions or labor strikes;③ Earthquakes, eruptions, floods, tsunamis, or high tide
④ Added liabilities from any special agreements entered into between the insured anda third party regarding damages;⑤ Liability caused by the discharge of water or air;
⑥ Effects of nuclear fuel materials, nuclear source material, radioactive elements
or radioisotopes, etc., or injury caused by the special characteristics of such
substances (including radioactive contamination and radiation syndrome). However,this excludes injury suffered when there has been no violation of laws and ordinances
through use, storage or transport of radioisotopes for medical or industrial use.
⑦ Damages caused by the following actions of the insured:・medical activities and activities that may be harmful to the body, those of which areprohibited by law if not conducted by authorized doctors, dentists, nurses, healthnurses, 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.
(Note) However, in the case of Course C, the above cases are not applicable whenprescribed requirements are fulfilled for a 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.
⑧ Cyber attacks:• Product Liability Insurance① Damages caused by products manufactured, sold and delivered willfully incontravention of laws or by gross negligence;② Liability arising from unusable or damaged products;③ Claim for damages from a lawsuit in courts overseas for accidents in Japan;④ Damage and cleanup cost caused by emission, discharge, escape or leakage ofcontaminants (however, this excludes cases where the emission, etc. of contaminant
is unforeseen, unexpected and sudden, and the insured discovers this within theprescribed period of time and informs the underwriting insurance company within theprescribed period).
⑤ Liability arising from carcinogenic or harmful substances such as asbestos andalternative substances;• Bailees Liability Insurance① Damage to bailed goods from spontaneous combustion or explosion;② Accidents discovered after the delivery of bailed goods to the bailer;③ Damage, theft, loss, or exploitation of bailed goods such as bicycles, motorcycles,
motorized bicycles, automobiles, aircraft, watercraft, vehicles, animals, musicalinstruments, stocks and bonds, revenue stamps, postage stamps, bonds, accountbooks, precious metals, gems, works of art, antiques, medals, badges, manuscripts,
design specifications, templates and the like.
④ Internal damages from the permeation or blowing of rain, snow, hail, or sleet from• Premises Liability Insurance① Damage caused by the ownership, use or control of an automobile, motorcycle (less220240221_10412375_05_1520

outside the building.
⑤ Damage caused by leakage or escape of vapor or water from water supply pipes,
warm air-conditioning equipment, humidity control equipment, fire hydrants, orbusiness/home use equipment, or leakage or escape of contents from sprinklers.
⑥ Damage caused by incompetent use, etc. of entrusted property.

5. Other③ Under instruction from the insured, the underwriting insurance company makes thepayment of insurance claims directly to the injured party.

• Points of concern after enrollment

After enrolling in this insurance, please inform the section in charge of your school(the students section, student support section, health center, etc.) without delay in theoccurrence of any of the following:
・Changing department, faculty, etc, being absent from school for 1 year or more in
total during the period of insurance, changing the course you are enrolled in, andwithdrawing from school• 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 orwhere 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 andforeign corporations (restricted to contracts entered into by offices in Japan) of which
the number of regular employees at the time of the insolvency does not exceed 20)
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 fromthe 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 thepart of the contract which the individual(s) actually bear premiums.)• 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 thisinsurance contract (hereinafter as "other insurance contracts").
① In cases where insurance claims or mutual aid benefits have not been paid by otherinsurance contracts: The payment of claims shall be made in accordance with theenrollment details of this insurance contract, regardless of other insurance contracts, etc.
② In cases where insurance claims or mutual aid benefits have been paid by otherinsurance contracts: The payment of claims shall be made in accordance with theenrollment details of this insurance contract with respect to the amount of damages
after subtracting any insurance claims or mutual aid benefits paid by other insurance
contracts.

• 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 insurancecompanies in relation to this insurance. The underwriting insurance companies andtheir group companies will use such private information concerning this contract for the
purposes of underwriting decisions, management and implementation of duties under
this contract, provision of incidental services, information and provision of various otherinsurance and financial products and related services, conducting questionnaires,as well as in cases ① to ⑥ mentioned below. The purposes of using particularconfidential health and medical information (sensitive information) are restricted to thescope considered necessary for the appropriate operation of insurance business andthe 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 of Japan for the purpose of making decisions
regarding insurance claim payments and other matters.
③ Private information shall be used in cooperation between the direct writing insurancecompany and group companies of the underwriting insurance company, as well
as between the underwriting insurance company and affiliated companies for the
purpose of providing and introducing products and services.
④ Private information shall be supplied to domestic and overseas reinsurancecompanies for the purposes of entering, renewing and managing reinsurance
contracts.
⑤ Private information shall be provided to secured parties for administrative procedures
regarding the establishment, etc. of security rights of pledges, liens, etc., as well as
the management and exercise of such rights.
⑥ Insurance money claim information etc. (including past information) of those coveredby insurance shall be provided to the policyholder and the student enrolled in thisinsurance 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 Co.,
Ltd. (www. tokiomarine-nichido.co.jp) and other underwriting insurance companies.
Private information will be included in a list of enrolled members prepared by theirschools which Japan Educational Exchanges and Services (JEES) submits to Tokio
Marine & Nichido Fire Insurance Co., Ltd. Should you find it difficult to agree to theabove, you are requested to inform Japan Educational Exchanges and Services (JEES)
immediately. (Agreement to the above is required to enroll in this insurance.)• Notes regarding double compensation coverage

In cases in which there is an insurance policy (includes insurance policies excluding
special policies and insurance underwriting companies) that has the same
compensation policy, the compensation coverage might be redundant. When thecompensation coverage is redundant, any accidents that are within the coveragecan be paid for by either policy. However, there is a possibility that the policyholder
only receives compensation from one company. Please check the difference and the
maximum coverage in the compensation policy and consider the necessity for thepolicy.

• Procedures in the event of an accident

When an insured event occurs, or an accident occurs causing an insured event tohappen, you must contact the school insurance desk of Tokio Marine & Nichido Fire
Insurance Co., Ltd. and inform them of the following information without delay.
・Your full name, age, and enrolled school - Date and time of accident - Location of
accident
・Full name and age of the injured party - Cause of accident - Degree of damage (injury,
destruction, etc.)
Also, please inform the school section in charge (the students section, student support
section, health center, etc.) in the occurrence of any accident, and state that you havereported details of the above to the underwriting insurance company. Please note thata delay in giving the above notice may result in the reduction of claims payable, and theright to request claims is bound by the statute of limitations of three years.

• Out-of-court settlement services

Out-of-court settlement services are not available. This insurance does not offer
settlement negotiation services as an insurance company between the insured andparties who sustained injury or damage. In the occurrence, therefore, of an accident
liable under this insurance, be aware that you must conduct out-of-court negotiations
directly with the injured party, upon advice from the department/section in charge at
the underwriting insurance company. Moreover, please note that the admission of yourliability or any agreement to the amount of damages given without approval from theunderwriting insurance company may lead to the failure to receive the claim either inwhole or in part.

• On liens

In personal liability insurance the injured party in an insured event who has the rightto request damages against the insured has a lien on the insured's right to request
the underwriting insurance company to pay insurance claims (excluding the rightconcerning insurance claims for expenses) (Paragraph 1 of Article 22 of the InsuranceLaw). "A lien" means the victim's right to receive compensation for the victim's credits
out of the insurance benefits prior to all other creditors.
The insured may request the underwriting insurance company to pay claims to theextent of compensation made to victims or of the amount agreed by the injured party(paragraph 2 of Article 22 of the Insurance Law).
For the above reasons, the amount of insurance claims which the underwriting
insurance company may pay upon request from the insured shall be limited to thecases of ① to ③ mentioned below, with the exception of insurance claims for expenses.
① The insured has already settled compensation for damages to the injured party;② The victim can confirm agreement given by the underwriting insurance company forthe payment of insurance claims to the insured; or• 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 be able to pay the insurancemoney either in whole or in part.
・The policyholder or insured caused damages or injury with the purpose of having
Tokio Marine & Nichido Fire Insurance pay insurance money based on this policy.
・The policyholder or insured is affiliated with organized crime or is deemed to be anotherwise antisocial force, etc.
・The insured engaged in fraudulent activity with respect to the claim for insurancemoney based on this policy.

• This “Guide” provides a summary explaining “Liability Insurance coupled with Gakkensai” (Premises Liability Insurance/Product Liability Insurance/Bailees Liability
Insurance). Full details are given in the insurance clauses, etc. mentioned on the JEES webpage. For questions and concerns, etc., please contact the school
section in charge (the students section, student support section, health center, etc.). Furthermore, after taking out this insurance, please read the “Handbook for Enrollmentof Liability Insurance coupled with 'Gakkensai'”. If the applicant is someone other than the insured person, please explain the content of this “Guide” to the insured person.
• “Liability Insurance coupled with Gakkensai” is a contract of coinsurance entered into between Japan Educational Exchanges and Services and the following insurancecompanies (TBD) 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, pleaseconfirm with JEES.
Aioi Nissay Dowa Insurance Sompo Japan Insurance Tokio Marine Nichido (Lead insurance company) Mitsui Sumitomo Insurance• “Liability Insurance coupled with Gakkensai” is a nickname given to the Premises Liability Insurance/Product Liability Insurance/Bailees Liability Insurance based on theStandard Provisions for Personal Liability Insurance, Coverage for Premises Owners (Management), Coverage for Products, Coverage for Bailees, Endorsement for “Liability
Insurance coupled with Gakkensai”, etc.

〈Policyholder〉
Japan Educational Exchanges and Services (JEES) Student Insurance Division, Student Services Department〒 153-8503 4-5-29 Komaba, Meguro-ku, Tokyo TEL：03-5454-5275 URL：http://www.jees.or.jp/
For details, please read the “Handbook for Enrollment of ‘Liability Insurance coupled with Gakkensai’” on the JEES website.

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JEES Futaibaiseki

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caused either by conscious intent or major oversight on behalf of the insured party (theperson benefiting from the insurance) or that person's representative, and through nofault of the insuring party or their representative(s), shall be treated as indicated above.
( ＊ 1) This includes matters pertaining to other insurance contracts.
3. Duty of notice(1) Points of concern after enrollment (notification of changes)
Please confirm the details about the obligation of reporting withdrawal from school,etc. and the procedure in the occurrence of an accident, etc. on page 3.
(2) Acceptance of a renewal contract
Depending on claims made, etc. there may be cases where we find it difficult torenew your contract for the next term or where we find it necessary to limit theconditions of insurance.
4. Commencement of liability(1) Liability for insurance for students admitted in April begins at 0 a.m., April 1.
However, commencement for insurance after April 1 shall be as follows.
① Enrollment of all students:
If the enrollment date decided (Note) at a faculty is after April 1, the coverage
period shall commence from 0 a.m. of the resolved date of enrollment.
② Optional enrollment:
If the date of the application is on or after April 1, the coverage will begin from 0 a.m.
of the day subsequent to the date when students pay the prescribed premiums to
the member school they belong to.
(2) Liability for insurance for students admitted in September begins at 0 a.m.
September 1. However, commencement for insurance after September 1 shallbe as follows.
① Enrollment of all students:
If the enrollment date decided (Note) at a faculty is after September 1, thecoverage period shall commence from 0 a.m. of the resolved date of enrollment.
② Optional enrollment:
Optional enrollment: If the date of the application is on or after September 1, thecoverage will begin from 0 a.m. of the day subsequent to the date when students
pay the prescribed premiums to the member school they belong to.
(3) Liability for insurance for students admitted in October begins at 0 a.m. October 1.
However, commencement for insurance after October 1, shall be as follows.
① Enrollment of all students:
If the enrollment date decided (Note) at a faculty is after October 1, the coverage
period shall commence from 0 a.m. of the resolved date of enrollment.
② Optional enrollment:
Optional enrollment: If the date of the application is on or after October 1, thecoverage will begin from 0 a.m. of the day subsequent to the date when students
pay the prescribed premiums to the member school they belong to.
(Note) The enrollment date cannot be earlier than the date of determination.
5. Main exclusions (main cases with no compensation)
Please refer to page 2.
6. Handling of insolvent insurance companies
In the event that the underwriting insurance company should become insolvent,there may be cases where the payment of claims, refunds, etc. is frozen for a certain
period of time or where the amount of claims, refunds, etc. is reduced. For details,
please refer to page 3.
7. Coinsurance
For coinsurance, please refer to page 3.
8. Handling of private information
Please refer to page 3.

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

Contract Overview & Points of Attention Explanation● The Contract Overview gives particularly important information for understanding thedetails of this product of insurance. Please be sure to read it before enrolling.
●The Points of Attention contains matters which may be disadvantageous toenrolling students and other matters which are very important to them at the time ofenrollment. Please be sure to read them carefully before enrolling in this insurance.
●This document does not contain all information about this insurance. Full details
are given in the insurance clauses, etc. mentioned on the webpage of the Japan
Educational Exchanges and Services (JEES).For questions and concerns, etc.,
please contact Japan Educational Exchanges and Services (JEES) or Tokio Marine &Nichido Fire Insurance Co., Ltd.
(Note) Please keep something from which subscription details can be understood, suchas this “Guide” or the “Handbook for Enrollment of ‘Liability Insurance coupledwith Gakkensai’,” etc. as an enrollment certificate, etc. is not issued.

Contract Overview
1. Framework and conditions of acceptance(1) Product framework
This insurance is a group contract between Japan Educational Exchanges andServices (JEES), the policyholder, and students, the insured (those covered underinsurance), who are enrolled in schools that are supporting members of JEES and
who are insured by “Gakkensai”. JEES reserves the right to request the insurance
policy and the right to cancel the insurance contract.
Please confirm the scope, etc. of the insured covered under this insurance on page 1.
(2) Compensation and period of insurance (insurance contract period)
Please confirm ① the main causes for payment (main cases for compensation),② the main reasons for exemption from responsibility (main cases not covered forcompensation) and ③ the period of insurance and other details on pages 1-3.
(3) Conditions of acceptance (the insured amount, etc.)
Please make a decision based on the underwriting conditions of the insurance(the insured amount, etc.) from the prearranged insurance courses. For details on
insurance courses, please refer to page 2.
2. Premiums and methods of payment for premiums
Premiums are decided based on the insurance course chosen and other factors.
Please confirm the details on premiums on page 2, and pay premiums as instructedby your school.
3. Maturity refunds and policyholders’ dividends
There are no maturity refunds or policyholders’ dividends under this insurance.

Points of Attention
1. Cautions about common compensation
Please check page 3.
2. Duty of disclosure
At the time of enrollment, you are required to disclose important matters(＊1) to theunderwriting insurance company.
・In the event that disclosure items are missing or they differ from the facts at the timeof enrollment, the policy may be canceled, or insurance claims may not be payable.
・When concluding an insurance contract on behalf of another person, any failure todisclose pertinent matters, or any variance from fact in regard to disclosed items□ Conditions and types of claims payable under this insurance□ Insurance benefits (contract benefits)□ Period of insurance (contract period of insurance)□ Premiums and methods of payment for premiums
2. H
 ave you read and understood the Explanations for Important Points [Contract
Overview/Points of Attention]?
Please pay particular attention to the information provided in “Points of Attention”
such as “Main exclusions” that may disadvantage you, “Cautions about common
compensation (Note) and “Duty of notice” sections.
(Note) For example, the scopes of compensation overlap in cases where a rider thatcovers personal liability is attached and you have signed another insurance
contract of a similar nature.

Check items for enrollment (confirming intention)
These check items are intended to make sure that customers may safely rely on thisinsurance in the event of an accident, by ascertaining that the product of insurance
which customers are going to enroll in fully meets their needs and that they have madecorrect entries on items which are particularly important in applying for this insurance.
Please take the time to look over each of the following points. For any questions orconcerns, please use the contact information for inquires as mentioned in the “Guide”
and other documents.
1. P
 lease confirm that the insurance product meets the needs of students
in terms of the following points by checking the explanation of importantmatters described in this guide. In the unlikely event that it does not meet yourexpectations, please reconsider your subscription details.

For concerns or consultation about insurance:

Designated conflict resolution institution:

Tokio Marine & Nichido Fire Insurance Co., Ltd.
(Lead underwriting insurance company)
Educational Organization Division Government Sector Dept. 2

The General Insurance Association of Japan General Insurance Alternative
Dispute Resolution (ADR) Center (designated conflict resolution institution)

0570-022808 ＜ charged call ＞〒 102-8014 6-4 Sanbancho, Chiyoda-ku, Tokyo

0120-587-050（toll-free）

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

Business hours: 9 a.m. to 5 p.m. on weekdays(Closed on Saturdays, Sundays, public holidays and the New Year holiday period)

For reports or consultation about accidents:
School Insurance Desk, Tokio Marine Nichido

0120-868-066（toll-free）
Business hours: 9 a.m. to 5 p.m. on weekdays(Closed on Saturdays, Sundays, public holidays and the New Year holiday period)

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Drafted in November 2023

23T-000958

J-3