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

くContents>

I. Overview ,of Liability Insurance coupled with ” Gakkensai ” （pp. 2・4)
1. Period of this insurance
2. Content of this insurance
3. Scope of activities covered under this insurance
4. Main cases covered under this insurance
5. Main cases with no compensation
6. Changes to terms of contract(withdrawal, absence, depa代ment transfer, etc.)
II. Procedures in the event of an accident (p. 5)
1. Process flow of an accident
2. Procedures in the event of an accident
Ill. Applicable clauses 1in Liability Insurance-coupled with ”Gakkensai" (pp. 6 ・ 16)
IV. Explanations of ilmportant Points (p. 17)
1. Contract Overview
2. Points of Attention
V. Occurrence of an Accident (p. 18)
VI. Addresses for insurance claims (Damages and Services Div.ision, Tokio Marine& Nichido Fire Insurance Co., Ltd) (p. 19)v”.

Other (p. '19)

Liability Insurance coupled with ”Gakkensai" is a contract of co-insurance entered into between Japan Educational
Exchanges and Services (JE.ES) and the insurance companies listed below (to be ooηfirmed) wrth Tokio Marine &Nichido Fire Insurance Co., Ltd. acting for and on behalf of the other insurance companies. Each insurance company
bears obligations under the contract, not Jointly but separately, in accordance with its underwriting share determined at
the time of acceptance. For details of the shares, please confirm with JEES.
Aioi Nissay Oowa Insurance Sompo Japan Nipponkoa lnsuran田信Tokio Marine Nichido (lead insurance companyJ Mitsui Sumitomo Insurance"Sompo Japan Nipponkoa Insurance will change Its name on April 1, 2020 lo Sompo Japan subject lo the approval of the relevant
authorities.

※ For inquiries about enrollment or approval, contact the section

in charge at your school (students section, student support
section, health center)

Compensation Amounts (limits of coverage), Premiums, Period of Insurance

The course to be selected may vary depending on the school. For more information, please contact your school’s help desk.
1 . Scope of activities

両�竺i

Course A (Note l)”（ Gakkenbai")

Regular curricular activities, school events andextracurricular activitiesCNote s) other than the above
and commuting to and from them。
。

Medical-related practice<Note6l and the commute

×Internships, nursing care experience, educational
practice, nursery practice, volunteer activities andcommuting to and from them (Note 4l

Course 8 (Not•2>（ ” lntern-bai ＇’）。
××

Course C (Note J)”（ lgakubai")。
。
。

(Note 1) Excludes medical-related practice. Includes pharmaceutical educational practical training.
(Note 2) Excludes medical-related practice and pharmaceutical educational practical training.
(Note 3) Includes medical-related practice.
(Note 4) Limited to regular curricular activities, school events and extracurricular activities recognized by the school.
(Note 5) The internship or volunteer activities carried out tor internship or volunteer purposes by student groups in the school
approved by the academic institution in accordance with the formalities prescribed by the school. However, any activity held intimes and locations prohibited by the school and prohibited conduct shall not be covered.
(Note 6) Medical-related departments and studies refers to regular curricular activities and school events recognized by the university.
2. Compensation amounts (limits of coverage) and premiums
Course A
Limit Of COVerage (Note l)。

Course B

Course C

100 million yen per accident combining both bodily injury and prope同y damage. (No deductible)(Note 21

1 year

340 yen

210 yen

500 yen

2 years

680 yen420 yen

1,000 yen

3 years

1,020 yen

630 yen

1,500 yen回C

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

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

<Types of insurance claims payable>
The Company shall pay the following compensation or expenses borne by the insured:* Approval from the underwriting insurance company is required whenever responsibility for compensation or amount of compensation isdecided.
①Compensation for damages the insured is legally liable for;
②Legal expenses incurred, such as hiring a lawyer, with the written consent of the Company;③Expenses incurred that are deemed necessary or beneficial, with the written consent of the Company, to preserve or exercise the right toreceive compensation for damages from a third pa同y, or in order to prevent the occurrence or extension of fu同her damages from a prioraccident;④Expenses for the need of emergency measures such as first-aid treatment and/or escort, or other expenses incurred, with the writtenconsent of the Company, in cases that have been deemed as creating no liability after taking the necessary steps to preserve or exercise
the right to receive compensation for damages from a third party, or in order to prevent the occurrence or extension of further damages froma prior accident;® Expenses incurred in cooperation with requests from the underwriting insurance company in cases where the Company settles outstanding
compensation for damages in lieu of the insured.
<Method of insurance claim payments>
The Company shall compensate for losses or damages borne in①above and pay insurance claims up to the limit of coverage with respect tothe amount.
In principle, the amount of expenses in②ー⑤above is covered in whole by this insurance. However, if the amount of damages in①exceeds
the limit of coverage, this insurance will cover a pa同al amount for legal expenses in ②calculated by reducing the "limit of coverage÷
compensation for damages in① ” from expenses.
<Exan可pies of accidents covered>
Limited to cases where the insured is held legally liable for damages.

e During a chemistry experiment in

骨密川地

class, the wrong chemicals weremixed, causing an explosion which
inflict剖a burn on a classmate.
(Covered by options A and C)

e At a school festival, the insured• The insured used a machine at thehost organization during internshipactivities conducted as part ofregular curricula and accidentallybroke it.
(Covered by options A, B, and C)

opened a yakitori stand, andfive people were admitted to thehospital with food poisoning 目(Covered by options A and C)

e While commuting to class on a'bicycle, the handle got caught ona pedestrian ’s bag and caused thepedestrian to fall and sustain an
injury.
(Covered by options A and C)議

写究(Note 4) Damages resulting from corrupted data, software, programs, etc. on a computer are not covered.
Glossa・ ” Commuting to and from ”
Commuting to and from”“Cccm,t eg tc" (same loげ commslieglmm")
refers to the transit for the
pa内icipation of activityo; OooO町 O 品 ; Qo,,,o.,, ＇＂＇帥y ibetween the insured’
student s residence (Note1) and the facility theactivity is located at, or
1
facilities in the case the
is
held
in
multiplelocations,byreasonablero凶e(s) and comm凶ng methods
activitythat are not prohibited by the school. In principle, damages incurred while or atter
deviating from the path (straying from reasonable route for reasons unrelated tothe pa円icipation of class or activity) or interrupting the commute/transit (stopping for
unrelated reasons from the commute) will not be covered by this insurance. However,damages incurred after deviating or stopping in the commute on reasonable routes will
be covered by this insurance if for purchasing materials necessary for class, school
events or ex1racurricular activities, or during the minimum time necessary for acts
considered unavoidable in everyday life. The following are examples of such acts.
①Purchasing a tex1book necessary for class. ②Purchasing prepared food items.
③For students who live alone, going to a restaurant.
④Voting in an election.
⑤Medical checkup at a hospital or clinic.
However, the period while the insured is in transit between the residence (Note 1) anda facility that is the location for an activity, by reasonable route(s) and methods, when
paけicipating in club activities (excluding activities, etc. prohibited by the school) aligned
to regular curriculum or school activities on the same day may be considered as“commuting to and from.”However, accidents occurred after deviating/interrupting fromthe reasonable route(s) and during said club activities will not be covered(Note 1) This includes the commute to and from the place of employment and school
facilities for those who enter the school after passing the entrance exam for adults (Note2)(Note 2）”Entrance exam for adults" refers to the entrance exam for working membersof society who are admitted under different methods than general applicants foradmission, such as by the special selection exam for adu陥• Internship refers to students' working experience related to their majors at school

ニヰ二 「； 。.
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5可￥��：：.�··印刷［�iior to their future business careers at companies, etc. while they are enrolled inschool• Nursing care experience activities refer to experience activities carried out by
those who wish to司cquire ordinary qualifications for teachers in primary or juniorhigh schools.
• Educational practice refers to students' activities for acquiring a teacher's certificate
in kindergartens, primary schools, junior high schools and high schools where they
are accepted, as a curriculum for subjects falling under “educational practice”*Educational practice includes "educational practice for infants, children, andstudents with special needs" for acquiring a teacher's certificate at special needs
schools, as well as ”nursing practice” for acquiring a nurse-teacher's certificate.
• Nursery practice refers to students ’ activities for acquiring a certificate for a childcare
worker at places (nursery centers, etc.) where they are accepted under the training
subject of ’＇nursery practice" as established by the Ministry of Health, Labour andWelfare, which regulates the Child Welfare Law and its Enforcement Regulations• Volunteer activities refer to students' voluntary activities for social contribution bymeans of their individual capabilities, labor or assets 目• Medical-related practice refers to practice made by way of regular curriculums or
school events by medica卜related depa同ments or classes of schools.
• Practical training in pharmaceutical education refers to practice made by wayof regular curriculums or school events by departments or classes of pharmacy ofschools or of depaはments or classes of a like kind.

スJin (1) or (2) without legitimate reason, or did not comply with theseprocedu陪S (includes incooperation as needed).
Article 27 (Insurance claims p四d in the event of concurrent insurance contracts)
The Company shall provide coverage or mutual aid for claims(hereinafter as “liable coverage”） as prescribed below in the eザent thatdamages exc泡ed the to恰I amount of coverage or mutual aid calculated
in disregard of other insurance contracts that may exist:①Insurance claims or mutual aid benefits have not been paid byother insurance contracts:
Liable co内，erage of this insurance contract;②Insurance claims or mutual aid benefits have been paid by otherinsurance contracts:
The remaining amount after subtracting the total amount ofcoverage and mutual aid from other insurance contracts fromdamages. Howevちr, there is a limit to the liable coverage of thisinsurance contract.
Article 28 (S凶ute of limitations)
Insurance claim rights are terminated by the statute of limitations if 3
years have passed starting from the day following the time prescribed in
Article 25 (Filing for claims) (2).
Article 29 (Subrogation)(1) In the e》ent the insured acquires the right to demand damages orother credit due to incurred damages, that credit is transferred to
the Company upon compensation for those damages, limit怠d to thefollowing amounts:①Insurance claims for damages have been paid in full by theCompany:
Full amount of credit acquired by the insured;②All other cases apa吋from ①
Amount of damages unpaid for by the Company subtracted fromthe amount of credit acquired by the insured.
(2) The Company sh剖I prioritize the settlement of damages in the caseof (1）②over the transferred credits to the Company in situations
where the insured continues to hold credits that have「1't transfちrredover.
(3) The policyholder or the insured must cooperate with the acquisitionof proof or documents required bザthe Company in order to preserveor exercise the transfer of credit in (1) to the Company.Expenses
incurred in the cooperation of the policyholder or the insured with theCompany shall be borne bγthe Company.
Article 30 (Impending lawsuits)
Lawsuits concerning this insurance contract shall be instituted inJapanese cou同s.
Article 31 (Applicable laws)
Provisions not regulated in these clauses shall conform to Japaneselaws and ordinances.
Attached table (Short-term rate table)
7 I 15 I 1 I 2 I 3 I 4 I 5 I 6 I 7 I B I 9 I 10 I 11 I 1Earned III days
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Endorsement concerning coinsurance
Article 1 (Independent responsibility)
This insurance contract is a coinsurance arrangement by insurancecompanies stated in the policy and the insurance companies stated in
the insurance policy bears rights and obligations under the insurance
contract, not jointly but separately, in accordance with its underwriting
share determined at the time of acceptance.
Article 2 (Role of the leading insurance company)
The insurance company designated as the leading insurancecompany of this insurance contract at the time when the policyholders
enter the insurance contract, shall be in charge of the following matters 目

一Receive applications for insurance, and issue and deliver insurance policies;② Collect, receive, or return insurance premiums;① Approve changes in the details of the insurance contract or cancel the
insurance contract;④ Receive documents regarding declarations or notices under the provisionsof the insurance contract and to approve such declarations or notices;⑤ Receive documents regarding notice of the transfer of rights to a claim andapprove such transfer; or to receive documents regarding notice ofeffecting a lien on the rights to the claim, transfer, or termination; and to
approve such lien, transfer or termination;⑥ Issue and deliver notice confirming the completion of a procedure forchanges in insurance contracts or make endorsements to insurance
policies;⑦ Investigate the objects of insurance and other matters related to insurance
contracts;①③ I Receive documents notifying the occurrence of an accident or damage or

documents about削1ng for claims;③ I Investigate or surveγdamage, pay claims and preserve the righぬof theinsurance companies stated in the insurance policy;⑮ l Attend to other matters incidental to the work or business mentioned in ①
through ⑨ above.

。

Article 3 (E行ect of acts done by the leading insurance c mpany)
Any items performed by the leading insurance company in Article 2(Items performed by the leading insurance company) of this contract
shall be deemed as representative for all insurance companies
mentioned in the insurance policy.
Article 4 (E行ect of acts done bザthe policyholders)
Notices and other acts performed bγthe policyholders, etc. to theleading insurance company shall be deemed as representative for all
insurance companies mentioned in the insurance policy.
Special Provisions for Premises Owners (Management)
Article 1 (Insurance claims covered)(1) Damages covered by the Company mentioned in Article 1(Insurance claims covered) of the Standard Provisions for Liability
Insurance (hereinafter, Standard Provisions) shall be restricted tocauses that fall under one of the followings:①Real estate or personal prope町（hereinafter, Facilities)
registered under the insurance policy for the ownership, use, ormanagement of the entity registered as the Named Insured under
the same insurance policy (hereinafter, Named Insured)②Effectuation of Work to the Named Insured (hereinafter, Work)mentioned in the insurance policy in accompanying the rules ofuse of Facilities(2) Under this Special Provisions, the insured is defined as thefollowing:①The Named Insured②The users of the Named Insured①If the Named Insured is a corporation, the organization thatcarries out the role of director, board members, and othercorporate actions④If the Named Insured is a foundation other than a corporation, its
members.
③If the Named Insured is an actual person, his or her co・livingfamilies.
(3) Betwe白n several insureds, the other insured is not considered as"the third pa同y” in Article 1 of the Standard Provisions. However,when the Named Insured is held legally liable for damages towards
the person corresponds to (2） ②to④， th剖person who corresponds(2）②to④is considered as “the third party.”(4) The Company shall cover insurance claims to accidents happened
as a result of cases stipulated (1) during the insurance period
in Japan (in cases where the “applicable areas” specified in theinsurance policy differ from here, the “applicable areas” shall beapplied).
Article 2 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered) of the Standard Provisions, nor damages caused by any of
the following reasons, regardless of direct or indirect causes: Normallythe decision concerning the application of the insurance terms andconditions of article 7 (1) and in article 8 (3) of the Standard Provisions
shall be made separately for each insured individual.
①Steam, leakage or overflow of liquids from water supply anddrainage, air-conditioning, humidity control devices, re hydrants,
and industrial or housework tools.
② Leakage or overflow of contents from sprinklers③ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
④ Construction work for the new construction, servicing, remodelingor demolishing of Facilities⑤The use or management of the following m甜ers:
a. automobiles, motorized bicycles, or aircraft;b. watercraft, vehicles (excludes cases for human-powered
vehicles), or animals outside of Facilities 目⑥The following non-exclusive possessions of the Named Insured:a. manufactured goods or drinks;
b. prope同y outside Facilities other than stated in 'a.’above.
⑦ Accidents caused by Work results after finishing (for Workrequiring the delivery of objects, it is considered finished upondelivery) or abandoning Work. However, this provision does not
apply to machines, devices, nor materials neglected or deserted
by the Named Insured at the place of Work.
Article 3 (Modification of management under propeはy disclaimers)
Under this Special Provision, Article 8 of the Standard Provisions(insurance claims not covered), provision②shall be replaced as
GJ

Special Provisions for Bailees
A門icle 1 (Insurance claims covered)(1) The Company shall cover damages when the insured is held leg剖lyliable to the rightful owner of the bailed goods for accidents happened
to the bailed goods during any of the followings, regardless ofprovisions stipulated in Article 1 (Insurance claims covered) and
Article 8 (Insurance claims not covered) 2 of the Standard Provisionsfor Liability Insurance (hereinafter, Standard Provisions);①During the period when the bailed goods are managed in storage
Facilities mentioned in the insurance policy.
②During the period when the bailed goods are managed outsideof storage facilities according to purposes mentioned in theinsurance policy.
(2) Under this Special Provisions, the insured is defined as the following:①The Named Insured in the insur.ance policy (hereinafter, Named
Insured)②The users of the Named Insured③If the Named Insured is a corporation, the organization that carries
out the role of director, board members, and other corporate
actions④If the Named Insured is a foundation other than a corporation, its
members.
⑤If the Named Insured is an actual person, his or her co-livingfamilies.
(3) The Company shall only cover accidents in (1) during theinsurance period in Japan (if the “applicable areas” specified in
the insurance policy differ from this provision, that said “applicableareas” is used).
Article 2 (Definition of terms)
The terms used in this special provision shall be defined by theirrespective meanings below.
Definition
Term
Bailed goods Propeはies managed by the Named Insured and belong toanother third pa代y, as mentioned in the insurance policy.
This does not include the followings:
a. currency, bills, stocks and bonds, revenue stamps,
postage stamps, certificates, and account books;
b. gems, precious metals, works of aバ， antiques, medals,
and badges;c. manuscripts, design specifications, and templatesd. animals, and plants
e. Land and its fixtures
f. anvthinq similar property stated in a. - e.
Damage, disappearance, theft, or fraud.
Accident
Article 3 (Insurance claims not covered)
The Company shall not cover damages as stipulated in Article 7(Insurance claims not covered) and Article 8 (Insurance claims notcovered)(excludes②for bailed goods) of the Standard Provisions, nordamages caused by any of the following reasons, regardless of direct
or indirect causes: Normally the decision concerning the application of
the insurance terms and conditions of article 7 (1) and in article 8 (3) of
the Standard Provisions, together with clause ①and②， shall be madeseparately for each insured individual① Theft or fraud conducted or conspired by the policyholder or the
insured②Accidents that occur during the private use of bailed goods by thepolicyholder or the insured③ Damage to bailed goods from spontaneous combustion or
explosion;④ Natural wear-and-tear, mildew, mold, decay, discoloration, rust,sweat, or similar phenomenon due to prope凶es of goods;③Damage caused by rats, insects, or similar phenomenon;⑤ Steam, leakage or overflow of liquids from water supply anddrainage, air-conditioning, humidity control devices, fire hydrants,
industrial or housework tools, or leakage or overflow of contentsfrom sprinkler;⑦ The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
③Accidents discovered after the delivery of the bailed goods to thebailor.
⑨Unusable bailed goods (includes reduced profits)
Article 4 (Limit of liability)
The amount of coverage provided by the Company shall not exceed thevalue of the bailed goods (market selling price of prope吋y of the same
type, year, make, and degree of wear) at the time and location of theaccident for legal damages in Article 2 (Scope of damages）， ①of theStandard Provisions
Article 5 (Definition of an accident)
Any series of accidents, regardless of time, place, and the number ofthe insureds, that occur within the insurance period caused by the samecause or reason shall be deemed as “an accident," and all accidents are
目deemed to have had occurred when the first accident occurred.
Article 6 (Provisions on replacement of terms)
Under this special provision, the Standards Provisions ’ terms are
replaced as followed.
Provisions under the Standard
Before theAfter theProvisions
replacement of
replacement ofter 『TIS
ter昨lS
The Named Insured
Article 6 (Duty of disclosure) The insured(1), (2) and (3）③ ， Article 10(Duty of notice) (1) and (2) ,and Article 14 ( Adjustment ofpremiums) (2)Article 7 (Relationship with the Standa附Provisions)
For items not regulated in this Special Provisions, the Standard
Provisions and the Endorsement of the insurance policy shall beapplied, as long as they do not go against this Special Provisions.
[Transitional measure following revision January 1, 2018]
For accidents that would have been deemed as an accident under thedefinition before product re内1ision and be entitled to insurance coverage,
only the first accident of the series of accidents is deemed as the first
accident under the definition of an accident after the re岬ision.
Amended Endorsement of the Special Provisions for Bailees(For Special Provisions for Bailees)
In this insurance policy, regardless of the terms and articles under theSpecial Provisions for Bailees, the 1ollowing provisions apply.
Article 1 (Insurance claims covered)(1) The Company shall cover damages when the insured is held leg創ly
liable to the rightful owner of bailed goods for accidents of bailed
goods during any of the following, regardless of provisions stipulated
in Article 1 (Insurance claims covered) and Article 8 (Insurance
claims not covered）②o1 the Standard Provisions for Personal
Liability Insurance (hereina代er as “Standard Provisions");①While bailed goods are managed in storage 1acilities mentioned 1n
the insurance policy.
②While bailed goods are managed outside of storage facilities
according to purposes mentioned in the insurance policy.
(2) The Company shall only cover accidents in (1) during the period o1
mentioned in theinsurance (hereinafter as “period of insurance”）
insurance policy.
Article 2 (Definition of terms)
The terms used in this coverage shall be defined by their respective
meanings below.
Definition
Term

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Article 3 (Insurance claims not covered)
The Company shall not cover damages in Article 7 (Insurance claims
not covered) and Article 8 (Insurance claims not covered) (excludes②
1or bailed goods) of the Standard Provisions, nor damages caused byany of the following reasons, regardless of direct or indirect causes:①Theft or fraud conducted or conspired by the policyholder, theinsured, legal representatives (chairman, director, or organizationthat performs business for the insured in the event the insured isa corporate body; same meaning below), employees, or relatives
living with the insured;②Accidents that occur during the private use of bailed goods by thepolicyholder, the insured, legal representatives, employees, or
relatives living with the insured.
③Damage to bailed goods from spontaneous combustion or
explosion;④Natural wear-and-tear, mildew, mold, decay, discoloration, rust,sweat, or similar phenomenon ’s due to properties of goods;⑤Damage caused by rats, insects, or similar phenomenons;⑤Steam, leakage or overflow of liquids from water supply anddrainage, air-conditioning, humidity control devices, fire hydrants,
industrial or housework tools, or leakage or overflow of contentsfrom sprinklers;⑦The permeation or blowing of rain, snow, hail, or sleet fromoutside the building.
③Accidents discovered after the delivery of bailed goods to thebailer;②Unusable bailed goods (includes reduced profits）目
Article 4 (Limit of liability)
The amount of coverage provided by the Company shall not exceed

- 12-

。

the value of bailed goods (market selling price of property of. the same
type, year, make, and degree of wear) at the time and location of theaccident for legal damages in A附cle 2 (Scope of damages）①of theStandard Provisions
Article 5 (Definition of one accident)
Any series of accidents, regardless of time, place, and number of
insured, that occur within the period of insurance caused by the samecause or reason shall be deemed as “one accident" and all accidents
deemed to have occurred at the time of the first accident.
Article 6 (Relationship with Standard Provisions)
For items not regulated in the Special Provisions, the Standard
Provisions and the endorsements of the insurance policy shall beapplied, as long as they do not go against the Special Provisions.
Other endorsements
Endorsement for Uninsured Nuclear Risks(1) The Company shall not cover damages caused by nuclear reactionsof any of the following matter, any effects from harmful qualities suchas radioactivity and explosiveness from nuclear decay/fission, norproperties of any of the above (includes radioactive contamination
and radiation injuries), regardless of direct or indirect causes:①Nuclear fuel material (includes spent fuel);②Nuclear source material;③Radioactive elements;④Radioactive isotopes;①Contaminated substances due to①through④（including nuclear
fission products).
(2) The provision in (1) shall not apply to damages caused by nuclear
reactions or nuclear decay/fission from the use, storage, or transportof radioisotopes (excludes uranium, thorium, plutonium, theircompounds, or substances with them) used for medical or industrial
purposes. However, this excludes cases where the use, storage, ortransport are in violation of the law.
Endorsement for Uninsured Professional Risks
The Company shall not cover damages caused by any of thefollowing actions performed by the insured or the insured ’s employees
or assistants, except in cases where the provisions of applicable
endo『sements and articles of this insurance contract differ from thisclause:①Medical activity such as the treatment, relief, and preventionof illnesses, medical examinations, diagnoses, instruction ofcare methods, orthotics, presence at childbirth, autopsies, orthe creation/issue of medical or postmortem certificates andprescriptions (excluding cases where people other than doctors,
dentists, nurses, health nurses, or midwives are legally permitted
to do so);
②Activity that may be harmful to the body if not conducted bya medical professionals, dentists, nurses, health nurses, or
midwives for cosmetic surgery, medical abortions, or drawing
blood (excluding cases where people other than doctors, dentists,
nurses, health nurses, or midwives are legally permitted to do so);
①Compounding, administering, selling, or supplying pharmaceuticals;④Acts prohibited by law for individuals who are not authorizedshiatsu massage practitioners, acupuncturists, moxibustion
practitioners, nor judo therapists;⑤Acts prohibited by law for individuals who are not architects, rea卜estate investigators, engineers, surveyors, nor veterinarians;
Endorsement for Uninsured Pollution Risks
Article 1 (Insurance claims not covered)
The Company shall not cover damages caused by the discharge,
outflow, overflow or leakage (hereinafter as “ emissions ” ）， ofcontaminants regardless of direct or i 『1direct causes. However, thisexcludes cases that meet all the following conditions:①Unforeseen Emissions;②Accidents causing Emissions (hereinafter, Accidents) were
unexpected;③Sudden Emissions;④The insured discovers Emissions within 7 days from an accident
and notifies the Company within 21 days of the accident as
stipulated in Article 12 (Occurrence of an accident) (1）①of theStandard Provisions for Liability Insurance;
Article 2 (Definition of terms)
The terms used in this Endorsement shall be defined by their respective
meanings below.

Definition
Refers to one or more of the followi 『1gs, regardlessof the state of the substance, such as solid, liquid
qr gaseous, or the nature of substance, such asacidic or alkaline,
a. harmful chemical substanceb. dangerous substancec. a substance that is harmful to living things orcauses the pollution of soil, atmosphere, or
water, other than a. and b.
d. offensive smelle. petroleum substancePetroleum substances Refers to one or more of the following substances.
a. crude oil, gasoline, kerosene, light crude oil,heavy crude oil, lubricating oil, pitch, tar andother petroleum substances.
b. chemical products derived from petroleum
substances in a.
c. mixture, waste, and residue that contains
substances in a. and b.
R e f e r s to all expenses r e q u ired for the
Pollution cleanup
investigation, observation, cleaning, removal,
expensescontainment, disposal, detoxification, or
neutralization of contaminants, regardless of theirnaminq conventions.
Article 3 (Handling of decontamination expenses)
The Company shall not pay insurance claims for decontamination
expenses nor any losses incurred. However, this excludes damages
sustained when the insured is held legally liable to third parties for
written cases, or Article 1 (Insurance claims not covered)
Terms
ContaminantsEndorsement for Uninsured Asbestos Damage
The Company shall not cover damages caused by any of thefollowing reasons, regardless of direct or indirect causes:①Carcinogenic or harmful substances of asbestos or products
containing asbestos;② Asbestos substitutes or products containing substitutes withcarcinogens or harmful qualities similar to carcinogens;Endorsement for Liability Insurance coupled with ”Gakkensai"(For Amended Endorsement of the Special Provisions for Premises
Owners (Management), Amended Endorsement of the Special Provisions
far Products, Amended Endorsements of the Special Provisions for
Bailees, Endorsement for Change of Terms and Condition regarding
Premium, Endorsement for Uninsured Pollution Risks)
CbβQter 1 ・ Common Prnvi剖口ns
Endorsements in this chapter shall be applied to the Amended
Endorsement of the Special Provisions for Premises Owners(Management) (hereinafter, Amended Endorsement (Premises)),
Amended Endorsement of the Special Provisions for Products (hereinafter,
Amended Endorsement (Products)), Amended Endorsements of theSpecial Provisions for Bailees (hereinafter, Amended Endorsement(Bailees)), Endorsement for Change of Terms and Condition regar寸1ng
Premium.and Endorsement for Uninsured Pollution Risks.
Common En dorsements for Liabilitv Ins叫血nιa..cmJQled with ”Gakkens;ii”
Article 1 (Definition of terms)
The terms used in this insurance contract shall be defined by theirrespective meanings below
Definition
Term
Universities and technical colleges stipulated in the School
Un i v e r sit y. Education Law or universities and schools that are suppo同lng
members of Japan Educational Exchanges and Services whereetc
the insured party is e rolled
ドーーーーーーー
Students enrolled into university. etc programs and departments,
graduate courses or non-degree courses for graduates and other
Student
courses, including exchange students, auditors, research students
and nondegree students
円

1J

Term

Definition
Lessons involving lectures, experin、ents, seminars, practicaltraining courses, and seminars conducted at the university, etc
the insured is enrolled in (includes lessons conducted by otheruniversities, etc. for transferrable credits Hereinafter as“
lessons” ） ， including the following activities
Regulara. Research tor graduation thesis and dissertation under the
curriculu『supervision of an educator. However, tt、is excludes research
conducted in sole locations involving private circumstancesb. Research activities conducted in the university, etc. library,reference room, language learning facility, or other locat旧ns in
the preparat旧n and clean up of lessons under the supervision ofan educator
All educational activities and events hosted by the university, etc
School events which include the entrance ceremony, orientation, and graduat旧nceremony
The internship or volunteer activities carried out for tnternship or
volunteer purposes by student groups in the university, etc
Extracurricular approved by the academic institution in accordance with theactivity
formalities prescribed by the university, etc. However, thisexcludes any activity held in times and locations prohibited by theuniversity, etc. and prohibited conduct
Working experience related to students' majors at school or to theirInternshipfuture business careers at companies, etc while they are enrolled inschoolVolunteer
Voluntary activities for social contribution by means of students'
activities
individual capabilities, labor or assets
Experience activities carried out by those who wish to acquire
ordinary qualifications for teachers in primary or junior highNursing careschools in accordance to the law regarding exceptions in theexperience
Teachers License Act for the certification of ordinary quahfications
activities
for teachers in primary or junior high schools (Law No. 90 of
1997).
Students' activities tor acquiring a teacher's certificate inkindergartens, primary schools, junior high schools and highschools where they are accepted, as a curriculum for subjects
falling under “educational practice， ”including "educational practicefor infants, children, and students with special needs” for acquiring
Educationala teacher ’ s certificate at spec旧l needs schools, as well aspractice”n ursing practice ＇『 tor acquiring a nurse-teacher's certificate
provided tor in Tables 1, 2, and 2-2 attached to Article 5 of the
Teachers License Act (Law No. 147 of 1949) and Column 5 in thetable provided tor in paragraph 1 of Article 6 of the said Law
Enforcement Regulations
Students’ activities for acquiring a certificate for a childcare worker
at places (nursery centers. etc.) where they are accepted underNursery
the training subJect of ’『nursery practice” as established by thepractice
Ministry of Health, Labour and Welfare, which regulates the Child
Welfare Law (Law No. 164 of 1947) and its Enforcement
Regulations (the Ministry of Welfare's Ordinance of 11 of 1948)
Pharmaceutical
Practice made by way of regular curriculums or school events byeducational
departments or classes of pharmacy of universities, etc. or ofprac t i c al
depart円、ents or classes of a like kindtraining
MedicalPractice made by way of regular curriculums or school events byrelatedmedical-related departments or subjects of universities, etc
practice
a. Departments
University departments include the departments of medicine,
dentistry, nursing, acupuncture and 円、oxibustion, and thelikeb. Subjects
Medical-related
University subjects include medical science, dentistry,
depart円、ents or
nursing, health nursing, radiography (technology), radiology,
subjects
medical technology, clin】cal examinat旧n, health technology,
physiotherapy, occupational therapy, dental hygiene,
acupuncture and円、oxibustion, general health, speechtherapy, cosmetic hygiene, spo 仕s medicine, optometry, andthe like
Cultural or physical activities carried out by student groups in theuniversity, etc. approved by the academic institution in accordancewith the formalities prescribed by the university, etc. However,Club activities
any activity held in times and locations prohibited by theuniversity, etc. or out of club activities and prohibited conduct are
excluded
E n t r a n c e The entrance exam tor working members of society who aree x a m f o r admitted under different methods than general applicants for
adultsadmission, such as by the special selection exam for adults
一

11

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Article 2 (Relationship between the insured and other insured individuals)(1) The insured refers to students enrolled into a university, etc. andthose who have enrolled into this insurance contract for those under
the Personal Accident Insurance for Students Pursuing Education“
and Research (hereinafter as PAS ”）(2) Provisions in this insurance contract shall be applied to the insured
separately, and the relationship between insured individuals shall bedeemed as third parties to one another.
Article 3 (Commencement and termination of liability)(1) The period of insurance for this insurance contract is as follows,
regar廿less of Article 5 (Commencement and termination of liability) (1)in the Standard Provisions for Personal Liability Insurance (hereinafter”“as Standard Provisions ）．
①For students who have enrolled into PAS before entering theschool and have submitted application with the corresponding
premium paid to the university, etc., the period of insurance”“(hereinafter as period of insurance ） of the insurance policy shallbegin from 0 ・：00 a.m. of the first day and end at 12:00 p.m. on thelast day.
②For students who wish to enroll into this insurance contract“
midway through the insurance period (hereinafter as midway
applicants"), the period of insurance shall begin from 0 ・： OOa.m 目
of the day subsequent to application with the corresponding
premium paid to the university, etc. and ends at 12:00 p.m. on thelast day of the period of insurance(2) If the university, et芯fulfills all the following items, the period of
insurance of this insurance contract shall be from 0:00 a.m. of thefirst day and end at 12 ・：00 p.m. on the last day during the period of
insurance, regar甘less of pro明sions in (1).
①An organizational de氾ision made at a faculty meeting before thefirst day of the period of insurance when all students above thestudent year level in departments, subjects, graduate courses,
majors, or other courses are made to enroll (hereinafter as“enrollment of all students") into PAS or this insurance contract.
①The university, etc. bears the co君t for corresponding premiums forthe enrollment of all students.
(3) If the university, etc. fulfilled (2）①and ②in this insu悶nce contract
in the event of renewed enrollment from the previous year's contract,
the period of insurance shall conform to the pro岬ision in (2).Article 4(Limit of coverage and Premiums)
The limit of coverage, deductibles and p陀miums per insured and perannum in this insurance contract shall be as noted in the following chart:(cha吋below)
Limit of coverage per insured
旦生per annum

Premium

per insured

I

生盟主A I三型�Co盟主主100 million yen per accident

I (common for bodily/property dama堕）I 210 yen I 500 yen
ロ旦L 1I 三盟主と680 yen [ 420 y引 I 1.000 y明
包旦陪
I 3 years I 1,020 yen J 630 yen I 1,500 yen
L 土-:,iears I 1,360浬と I 840 yen l 2�盟主E
I 1,?00巴土I 1,050 yen J___g_主旦旦E§__yea陪
6 years
I 2,0拍yen I 1,260 yen I 3,000 yen

Article 5 (Notice to enrolled students)(1) The policyholder shall tally the numbers of insured by this insurance
contract on the first day of school at each university, etc. and must
notify the Company and send applications by the last day of thefollowing month after entering insurance contracts.
(2) The policyholder shall tally the numbers of insured bザthis insurance
contract for students who enroll midway two months prior and must
notify the Company and send applications by the last day of the”month (hereinafter as “day of notice ）(3) The Company shall not cover damages due to delayed or omitted
applications in the event of delays or omissions of applications
stipulated in (1) or (2). However, this excludes cases where thepolicyholder fulfills all the following items and receive approνal fromthe Company:①Pro岬ide proof that delay or omission was not due to bad faith orgross negligence;①The revised t剖ly and applications are sent immediately 10 theCompany for any delayed or omitted applications;③The premiums for applications sta恰d in②are paid immediately
to the Company.
Article 6 (Payment of premiums)(1) The policyholder shall pay premiums calculated based on theprovision in Article 4 (Limit of coverage and Premiums) to theCompany by the last day of the month following the day of noticestated in (2) of the preceding article, regardless of the terms
in Endorsement for Change of Terms and Condition regarding
Premium, Section 4, Article 1 (refund, addition, or adjustment ofpremium) (4).
(2) The Company shall not pay insurance claims for damages sustained
priorぬthe問ceipt of the corresponding premium (limited to areas
regarding that midway applicant) in the event the policyholder
does not pay premiums by the due date stipulated in (1 ). In thise岬ent, the Company may cancel this insurance contract (limited toareas regarding midway applicant) bザsending notice in writing to
the policyholder. This cancellation becomes retroactively effectivefrom the first day of the period of insurance for midway applicants,
regardle唱s of provisions in Article 19 of the Standard Provisions.

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Japan Educational Exchanges and Services
Student Insurance Division, Student Support
Department
千153�8503
4・5 ・29 Komaba, Meguro・ku, Tokyo
TEL: 03・5454・5275
http：／川ww.jees.or.jp/
Drafted iri February 2020
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What to do if
yo.u have an
accident

Insurance claim procedures
Perform the procedures below

白Call the School Insurance Desk (0120 868-066) at
the insurance company (Tokio Marine & Nichido) andnotify ,them of the accident.
圃

日Report the accident to your school.
日Prepare the documentation required by丁okio Marine& Nichido, including photographs and receipt for
repairs, etc.
回Get the insurance. claim form from your school.
日Send the insurance claim form (certified by the schooりto the Tokio Marine & Nichido Schoel Insurance Desk
(Tokyo).
回Tokio Marine & Nichido wilJ pay the claim.

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