Revised 2018.1

Overview of the Overseas Travel Insurance
Accidental Death
When Beneﬁts are Payable

When The insured suffers from bodily injury caused by accident during a Trip, which causes death of The insured within 180 days from and including
the day of the accident occurred. In case there has been paid already for the Accident Physical Impediment Benefit on the same injury,the following
amount will be paid.
Payable Benefits = ( Amount of Accidental Death Benefit) - ( Amount of Accident Physical Impediment Benefit already paid).

Main Cases when benefits are notpayable・Accidents due to driving under influence of alcohol, narcotics or without a license
・Disease, mental incompetency and injuries attributed these(for example injury resulted from loss of consciousness due to disease during walking, etc.)
・Accident while doing designated dangerous sports (Mountain climbing using climbing tools such as Pickle , Skydiving, Hang gliders, etc.)･Accident while doing competition using riding gear such as automobiles and motorcycles

Accident Physical Impediment (classification table type)
When Beneﬁts are Payable

Main Cases when benefits are notpayableWhen The insured suffers from an accidental injury during a Trip, which causes physical impediment within 180 days from and including the day of theaccident. The Insurer will pay 3%-up to100% of Accident Physical Impediment Benefit, depending on the degree of physical impediment.
[Note] Sum of all Accident Physical Impediment Benefits during the Coverage Period (contractual term of a Policy) shall not exceed the full amount of
Accident Physical Impediment Benefit.

・Accidents due to driving under influence of alcohol,narcotics or without a license
・Disease, mental incompetency and injuries attributed to these (for example injury resulted from loss of consciousness due to disease during walking,etc.)
・Accident while doing designated dangerous sports (Mountain climbing using climbing tools such as Pickle , Skydiving, Hang gliders, etc.)･Accident while doing competition using riding gear such as automobiles and motorcycles

Medical & Rescuer’s Expenses

When Beneﬁts are Payable＜Accident Medical Expense Portion＞
When The insured is injured in an accident during a Trip and receives treatment by a doctor.The Insurer will pay the expenses incurred within 180 days
from and including the day of the accident. (For each one accident, the expenses shall not exceed the full insurance amount)＜Sickness Medical Expense Portion＞
The Insurer will pay the expenses incurred within 180 days from and including the treatment start date. (For each one accident, the expenses shallnot exceed the full insurance amount)① When the disease occurs during a Trip or within 72 hours from the end of a Trip (*1) and Insured starts receiving treatment by a doctor during a
Trip or within 72 hours of the end of a Trip
② When The insured starts to receive treatment of a doctor by the passage of 30 days from and including the last day of a Trip due to infectious
disease (*2) contracted during a Trip.
＜Rescue Expense Portion＞
When The insured falls under any of the following, the insurer will reimburse the expenses actually paid by Policy holder , insured or their relatives.
(For each one accident, the expenses shall not exceed the full insurance amount)①When The insured sustains bodily injury from an accident during a Trip, which causes death of The insured within 180 days from and including the
day of the accident②When The insured dies during the Trip due to disease, pregnancy, childbirth, premature birth, or miscarriage③ When The insured dies within 30 days from and including the last day of a Trip due to disease developed during a Trip
④ When The insured is hospitalized(*3) (only when The insured starts receiving treatments of a doctor during the Trip ) in a hospital or a clinic for 3
consecutive days
⑤When an aircraft or a ship on which The insured boards is distressed or missing during a Trip, when it is impossible to confirm life and death of The
insured due to an accident during a Trip, or when it is necessary for The insured to be searched and/or rescued⑥When The insured is kidnapped or missing during a Trip (up to \3mil.)etc.
(*1) The cause is limited to what happened during the Trip. Provided that policies with Coverage Period of 31 days or less, the Benefits shall be paid if
respective diseases are covered by “Rider on Emergency Medical and Rescuer's Expenses”.
(*2)Infection disease from ＃１infectious disease to＃４ as prescribed in Article 6 of the Act on Prevention of Infectious Disease and Medical Care of
Infectious Disease Patients.
(*3) It is limited to the case where the doctor's treatment is started during a Trip and continue to receive medical treatment from then on. However,provided that the Coverage Period is 31 days or less and “Emergency Medical and Rescuer's Expenses rider” is applicable, the Insurer will reimburse
the expenses.)＜Accident/ Sickness Medical Expense Portion＞
・ Medical examination expenses (* 4), emergency transportation expenses, hotel room fee when resting at the hotel by doctor's instruction whentreatment is required, transportation expenses for hospitalization and hospital visits, and interpreter hiring costs.
・Actually paid by The insured for international calls and purchase of personal effects as required by The insured being hospitalized, provided that
expenses for purchase of personal belongs shall not exceed ¥50,000 and total reimbursement shall not exceed ¥200,000.
・ Amount for transportation and hotel fees (* 5) paid by The insured in order to return to a scheduled course of a Trip or directly to Japan.
・ Expenses for disinfection conducted in compliance with public agency’s order pursuant to laws.

＜Rescue Expense Portion＞
・Search and rescue expenses
・Transportation expenses, including air fare, to and from the location of accident (Up to 3 rescuers per victim)
・Hotel room charge incurred at the location or on a way to the location (for not more than 3 rescuers and for not more than 14 days per rescuer)
・In the case of the family plan, the insurer will pay the transportation expenses and accommodation expenses up to 14 days that actually spent by theattendant to return to the travel process or return home directly for The insured leaves the travel process by the above-mentioned ① to ⑤ ofRescue Expense Portion .
・ Repatriation expenses from the location
・ Postmortem treatment(*6) (up to ¥1,000,000)
・ Miscellaneous expenses (up to ¥200,000 in total for expenses paid for Rescuer’s Trip arrangements, local transportation costs, and communication
costs etc. incurred at the location.
(* 4) Includes doctor's medical certificate fee , if required in filing a claim.
(* 5) A reimbursed portion or an amount planned to be incurred in advance,if any,shall be deducted.
(* 6) Excluding expenses not directly related embalming, such as flowers and funeral expenses for ceremonial hall and sutra recital.

・Accidents due to driving under influence of alcohol(*1) ,narcotics or without a license

Main Cases when benefits are notpayable(*1)

･Whiplash disease, low back pain, other symptoms without medical findings sufficient to support it･ Treatment by chiropractic, acupuncture or moxa cautery
・Accident while doing designated dangerous sports (Mountain climbing using climbing tools such as Pickle, Skydiving, Hang gliders ,etc.)･Accident while doing competition using riding gear such as automobiles and motorcycles)(*1)Excluding rescue expense in case The insured dies within 180 days from and including the date of act.
(*2）However, only for the policies with Coverage Period of 31 days or less “Rider on Change of Insurance Payment towards Troubles during Early
Pregnancy” is attached and the Benefits shall be paid if The insured starts receiving treatment by a doctor due to a trouble during early pregnancy(excluding the ones 22nd week and later of pregnancy)(*3）However, in case of the policies with Coverage Period (contractual term of a Policy) of 31 days or less and with “Emergency Dental rider,” theBenefits shall be paid up to ¥100,000 to emergent development and/or aggravation of dental diseases during course of Trip.)Emergency Medical and Rescuer's Expenses
The Insurer will reimburse (* 3) the cost actually borne when the following reasons occur due to the rapid deterioration (* 2) of the symptoms (* 1)that had already been treated by a doctor before the start of the travel process.
＜Sickness Medical Expense Portion＞
・When receiving medical treatment by a doctor＜Rescue Expense Portion＞
・In case of continued hospitalization for more than 3 consecutive days(* 1) Diseases caused by pregnancy, childbirth, premature birth, or abortion and dental diseases are not included.
(* 2) The sudden deterioration of symptoms means a change in the symptoms that can not be avoided and The insured can not predict beforehand
during the course of travel , even with the reasonable attention.
(* 3) It is a reasonable expenditure on social norms and is equivalent to the expenses normally borne by the illness of the equivalent disease.
＜Sickness Medical Expense Portion＞
The insurer will reimburse the following expenses
・Ｍｅｄｉｃａｌ expenses etc.
＜Rescue Expense Portion＞
The insurer will reimburse the expenses paid by policyholer, insured or their relatives.
・Transportation expenses, including air fare, to and from the location of accident (Up to 3 rescuers per victim)
・Hotel room charge incurred at the location or on a way to the location (for not more than 3 rescuers and for not more than 14 days per rescuer)
etc.
[Note1] If the total of medical and rescue expenses is equal to or more than ¥3,000,000, the Insurer will reimburse up to ¥3,000,000 for one disease.
[Note2] The Insurer will reimburse only the expenses that come to be in need within 30 days from and including the commencement date of treatment
When Beneﬁts are Payable
by a doctor.
The Insurer shall not pay for expenses incurred after The insured returns to his/her residence (including a hospital or a clinic at the final destination
where The insured is hospitalized).
[Note 3] The Insurer shall not pay for the following expenses that are expected to be incurred during a Trip.

[Note 4] The Insurer shall not pay for expenses for the following expenses:

corrective operations etc.;

Main Cases when benefits are notpayable・ When it was decided in advance of a Trip that The insured would be treated by a doctor at a hospital or a clinic at the destination (*)(*)Ｉncluding cases where reservation for treatment or hospitalization was made in advance.

Emergency Dental

When Beneﬁts are Payable

Main Cases when benefits are notpayableWhen The insured starts receiving emergency dental treatment by a dentist during a Trip for sudden ingravescence of dental symptom (*2) due to adental disease (*1)developed during a Trip).(up to￥100,000)(*1) Ｉncluding cases when troubles in artificial tooth or orthodontic equipment in use cause difficulty in eating or drinking.
(*2)Emergency dental treatment refers to tentative treatment to temporarily remove or alleviate pain and/or a quick-fix of artificial tooth and/or
orthodontic equipment, which are reasonable and common on social norms.
The insurer will reimburse the amount of the following expenses.
・Fees for professional practice and operations
・Costs of medicine and treatment materials, and usage fee for medical equipment
・ X-ray and other exam fees and fees for surgery room
・Fees for dentist certificates required for making an insurance claim
・Exams without emergency dental treatment
・Treatment including provision of artificial tooth･Cosmetic dentistry･Defects, natural wear and tear, rusting/molding/allochroism due to the nature of material/equipment, or external impairment such as scratches andremovals of coating material of artificial tooth or orthodontic equipment･Brushing･Other oral hygienic treatments
etc.

Sickness Death

When Beneﬁts are Payable

Main Cases when benefits are notpayableThe insurer will reimburse the amount of the following expenses
・When The insured dies during a Trip due to disease
・When The insured dies within 30 days (*2)from and including the last day of a Trip due to “disease developed during a Trip” or “disease developed
within 72 hours of the end of a Trip” (*1)
･When The insured contracts an infectious disease(*3) which causes death of The insured within 30 days from and including the last day of a Trip.
(*1) The cause is limited to those occurred during the Trip.
(*2) Only when doctor's treatment started within 72 hours from after the end of the travel process.
(*3)Infection disease from class ＃１infectious disease to class＃４ as prescribed in Article 6 of the Act on Prevention of Infectious Disease andMedical Care of Infectious Disease Patients.

・Dental disease

etc.

Personal Liability

When Beneﬁts are Payable

When The insured is held legally liable for damages caused by an accident during a Trip that results in injury for other persons or by breaking otherpersons’ goods (*).
(*)Travel goods / Living goods rentaled directly from rental agencies, movables in guest rooms and rooms of accommodation (including key of safety
box and room key), rooms in residential establishments and movable property in rooms (excluding if Policy holder or indured rentaled entire buildings or
entire rooms)
The insurer will reimburse the amount of the following expenses.
・Damages compensation (For each accident, the insurance amount will be the maximum amount)・Lawsuit · Attorney fee etc. (Conditions may apply )(*)Deciding amount of Liability requires consent of the Insurer in advance.

・Liabilities related to action of The insured during the course of his/her work
Main Cases when benefits are notpayable・ Liabilities towards family members who together with The insured

etc.

Baggage

When Beneﬁts are Payable

In the event that accidental damage has occurred to the baggage (*) during the course of travel The Insurer will reimburse up to ¥100,000 per item
(per group of item, or per one pair of item ) amount of damage(or loss) calculated by market price or repair costs.
In case of loss of tickets or flight tickets, the Insurer will reimburse expenses incurred after accident up to ¥50,000 in total .
(Limited to market price and also limited up to insurance amount through insurance duration )(*)baggage refer to items such as camera, bags, and clothes owned or rent from others for free for a Trip before its commencement by The insured.
[Note1]The main things not included in baggage are as follows.
cash,checks,credit cards,railway/bus passes,artificial tooth,contact lenses,various sorts of documents, intangibles such as data and software, gears
used for activities such as surfing, equipment used solely for work, articles located in residential facilities of The insured (or in land property in case ofa stand-alone house)[Note2]The aggregate of Benefits to be paid during Coverage Period shall not exceed the amount of Baggage Benefit. However, if the amount of
Baggage Benefit under contract is larger than ¥300,000, the aggregate Benefit to be paid during Coverage Period shall not exceed ¥300,000 fordamages caused by theft, burglar or non-arrival of aircraft baggage.
[Note3] In case of loss or damage of a passport, the Insurer will pay for expenses for re-issuance of passports or flight documents (issuance fee paid
to consulate, transportation from the accident location to the nearest embassy/consulate, and hotel room charges) up to ¥50,000 per loss or damage.
[Note4] In case of loss or damage of a driving license for automobile or motorbike, Amount of Loss is defined as reissuance fee paid to national or local
governments.
・Accidents due to driving under influence of alcohol, narcotics or without a license
・Natural wear or rust, discoloration, defects
・Electrical accidents and mechanical accidents

Main Cases when benefits are notpayable・Damage only to the appearance which does not influence the function such as scratches and peeling of paint[Note] When travel goods or everyday items rent from rental companies are damaged or lost and when rental company claims The insured for damages,
certain Benefits in the above mentioned “Personal Liability” may be payable.
etc.

Emergency Expenses
When The insured is forced to incur the following expenses (*2) due to an unexpected accident (*1) during a Trip
The insurer will reimburse the amount of the following expenses.
(The aggregate of Benefits to be paid for below ① to ⑥ during Coverage Period shall not exceed the Amount of Emergency Expense Benefit. And ⑦
Purchase costs of personal effects shall be separately reimbursed up to twice of the Amount of Emergency Expense Benefit during Coverage Period.)①Transportation expenses② Room charge of accommodations③ Meal expenses (*3) （Meal expenses shall be reimbursed up to 10% of the Amount of Emergency Expense Benefit during Coverage Period.）④Communication expenses such as international calls⑤Trip arrangement expenses such as passport issuance, visa, immunization fees
⑥Cancellation of service at destination locations⑦ Purchase cost of personal effects(*4)
When Beneﬁts are Payable(*1)Referring to an accident whereby its occurrence can be proven by a public institution, transporting company, lodging establishment, medical
institution, or travel agent (including tour operators.)(*2) Above mentioned expenses incurred that are commonly accepted as reasonable or that is normally incurred for a similar accident will bereimbursed. However any amount that was reimbursed or previously expected will be excluded.
(*3) Meal expenses will be reimbursed only when the following a. or b. is applicable.
a. Delay of departure of 6 hours or more, flight cancellation or suspension of flight services, failurers in check-inservices by airlines or change ofdestination of the boarded aircraft leading to The insured not being able to board an alternative flight within 6 hours of the schedule ( In case ofchanging landing site, it signifies within 6 hours from landing.)
b. In case of transit, when The insured misses a connecting flight at a previously expected transfer location due to delay in the arrival of a boarded
aircraft and an alternative flight is not made available within 6 hours of such arrival(*4) The Insurer will reimburse only for the following expenses of purchasing personal effects.
Expenses incurred within 96 hours of the arrival of the aircraft relating to the purchase of essential items, when baggage containing personal items to
be used during a Trip that is checked in with the air carrier upon The insured’s boarding, does not arrive at the destination within 6 hours of arrival(provided that such aircrafts are operated on specific routes by scheduled air carriers.)

・Accidents due to driving under influence of alcohol , drug or without a license
・Whiplash disease, low back pain, other symptoms without medical findings sufficient to support it
Main Cases when benefits are notpayable・Dental disease
・ Delay, cancellation or suspension of transportation facilities that are not deciding (scheduled) boarding time of passengers
・ Earthquake, eruptions, or tsunami resulting therefrom
・ Exposure to radiation or radiation contaminationetc.

Checked Baggage Delay

When Beneﬁts are Payable

・When a baggage containing personal items to be used during a Trip, checked in with the air carrier(*1) upon the Insured’s boarding, does not arrive at
the destination within 6 hours of the arrival (provided that such aircrafts are operated on specified routes by scheduled air carriers).
The Insurer will reimburse the purchase cost (including rental cost) of essential items(*2) such as clothes, daily necessities personal belongings borneby the Insured at the destination within 96 hours of the arrival of an aircraft. （The benefits to be paid per delay of checked baggage will be limited to ¥100,000）(*1)It is limited to aircraft which is operated on specific routes by scheduled air carriers.
(*2)Includes expenses in case of lending.
[Note]Excluding expense due to purchase or lending after deposit baggage arrives to the insured.

・ Earthquake, eruptions, or tsunami resulting therefrom
Main Cases when benefits are notpayable・ Exposure to radiation or radiation contaminationetc.

Flight Delay Expense

When Beneﬁts are Payable

Main Cases when benefits are notpayable・The Insurer will reimburse the expenses borne by the Insured at departure location (or transfer/arrival location) until alternative flight becomes
available. The Insurer will pay up to ¥20,000 per delay in departure or transfer.
＜Delay in Departure etc.＞
・When departure is delayed and an alternative flight is not available within 6 hours of the scheduled departure time due to any of the followings① Delay in departure for more than 6 hours② Flight cancellation or suspension of services③Failure in check-in services, resulting in the Insured not being able to be on board
・ When a boarded aircraft arrives at a different location from the scheduled destination, and an alternative flight is not available within 6 hours of thearrival.
＜Delay in Transfer＞
・When the Insured misses a connecting flight at a scheduled transfer location due to delay in the arrival of a boarded aircraft, and an alternative flightis not available within 6 hours of such arrival
・Ｒoom charges of hotel, cost of meals
・Transportation costs such as taxi fare to hotels, transportation costs if alternative transportation other than flights are used
・Ｃommunication fees such as international calls
・Ｔrip cancellation fee at destination locationsetc.
・ Earthquake, eruptions, or tsunami resulting therefrom
・ Exposure to radiation or radioactrive contaminationetc.

Travel Alteration Expenses

When Beneﬁts are Payable

When The insured halts his/her departure of a Trip or returns home by cancelling his/her Trip in the mid-course after departure due to any of thefollowing, the Insurer will pay the expenses incurred by The insured or the policyholder. (The insurance amount will be the limit of payment)① When The insured, the accompanying reserved traveler (*1), or the spouse or the relatives within the third degree of kinship of The insured or theaccompanying reserved traveler dies or becomes in critical condition② When The insured or the accompanying reserved traveler is hospitalized due to injury or sickness (for 3 consecutive days or longer in case of predeparture)③ When the spouse or the relatives within the second degree of kinship of The insured or the accompanying reserved traveler is hospitalized for 14
consecutive days or longer due to injury or sickness (*2)
④ When an aircraft or a ship on which The insured or the accompanying reserved traveler is boarding is distressed or missing or when it is necessary
to search/rescue The insured or the accompanying due to an accident caused by any sudden and accidental happening of external origin⑤ When a building in which The insured or the accompanying reserved traveler resides or household goods contained in the building is suffered loss noless than 1 million yen due to fire, typhoon or water damage⑥ When The insured or the accompanying reserved traveler attends court as a witness or an appraiser⑦ When any of the followings has occurred in the travel location where The insured or the accompanying reserved traveler is staying or going to visit● Earthquake, eruptions, or tsunami resulting therefrom● War, revolution, civil commotion, riot, terrorism● Accident or fire of the transportation or the accommodation facilities scheduled to use● Evacuation recommendation issued by Japanese government⑧ When an order of Japanese or foreign public office, a restriction of foreign immigration or an isolation due to infection is issued⑨ When a public agency gives out directives on the evacuation based on the Basic Law on Natural Disasters(*1) Accompanying reserved traveler means a person who booked the same Trip in which The insured participates and who accompanies The insured
on the Trip.
(*2) Including death within 14 days
Benefits payable
The Insurer will reimburse the following expenses.
① In case of returning in mid-course of packaged tour
Number of days from the date returned in the mid-course
to the end of trip period
Insurance amount (*3) x --------------------------------------------Number of days of the trip(*3) In case where the insurance amount exceeds the travel fee the insurance
amount is changed to the travel fee.
② In case of other than ① above
・Expenses paid to a travel agent in the name of cancel fee, penalty fee and travel
service handling fee
・Expenses paid as travel service fee (visa fee and vaccination fee)

(Note 1) In case where the travel fee of the package tour includes return home expenses such as air ticket, or The insured/policyholder has alreadyreserved or purchased air ticket or boat ticket to return home and the expenses returning home in the mid-course exceed the expenses above
mentioned in ① or ②, we will pay the following expenses for returning home.
・ Traffic expense via normal route such as airfare
・ Room charge of hotel (up to 14 days) and miscellaneous expenses (up to \200,000)(Note 2) Expenses above mentioned in ② include expenses to incur in the future and exclude refund and expenses for what can be used after halting
departure or returning home in the mid-course of a Trip.

Main Cases when benefits are notpayable●Expenses incurred by being fallen under any item from ① to ⑤ in “When benefits are payable” due to any of the following
・Willful actor gross negligence・Suicide, criminal act, or violence
・Driving automobile without license, driving under influence of alcohol, or driving under influence of drug (excluding item ⑤ in “When benefits arepayable”)・Injury during playing particularly risky sports (mountain climbing with tools like a pickle, skydiving and hang-gliding)・Earthquake, eruptions, or tsunami resulting therefrom in Japan・War, revolution, civil commotion, or riot
・Exposure to radiation or radioactive contamination●Whiplash syndrome, back pain or other symptoms without any sufficient medical objective opinion to support the existence●When any of ①～⑨ in “When benefits are payable”, the causes of ①～⑨ in “When benefits are payable” (occurrence of injury or first developmentof sickness which causes death, critical condition, hospitalization)”, or the cause of ⑧ (first development of the infection which causes isolation) has
occurred before the receipt of premium or the date of contract【ＮＯＴＥ】 This is an outline of Overseas Travel Insurance. The complete policy is available in Japanese language only.
Please note that this outline will NOT override the original policy terms and conditions

B-150943 2020-01