TRAVEL INSURANCE
 
General Tips and Information
We can arrange your travel insurance to suit your travel needs. Please contact us by telephone or by email for further details.

Types of Travel Insurance available:
1. Honey Moon
2. Study Abroad
3. Sightseeing (Individual or Family)
4. Business

If you are not Japanese....

1.You need to be in Japan. 
2.You need to have an alien registration card .
3.You need to have a re-entry permit for Japan. 

Overview of the Overseas Travel Insurance

When "Coverage Period" (a time period that an insurance policy covers) is different from a period of a Trip, "During a Trip" in the below description should be replaced with "during the period that is within both Coverage Period and a period of a Trip." .

Accidental Death

When Benefits are Payable
When the Insured sustains bodily injury from an accident during a Trip, and causes death of the Insured within 180 days including the day of the accident.  

Physical Impediment

When Benefits are Payable
When the Insured suffers an accidental injury during a Trip, which causes physical impediment in the Insured within 180 days following the accident  

Medical and Rescue Expenses
(With Rider on Exclusion of Expenses for Chiropractic Treatment etc.) (With Rider on Additional Coverage for Rescuers' Expenses)  
(With Rider on Change of Insurance Payment towards Troubles during Early Pregnancy (attached to policies with Coverage Period of 31 days or less) )"  

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  
♦ Sickness Medical Expense Portion  
1. When the Insured contracts "illness first developed during a Trip" or "illness first developed within 72 hours of the end of a Trip," (*1) and starts to receive treatment of a doctor during a Trip or within 72 hours of the end of a Trip; and  
2. When the Insured starts to receive treatment of a doctor within 30 days from and including the last day of a Trip due to infectious disease (*2)contracted during a Trip.
♦ Rescue Expense Portion  
1. * When the Insured has an accident during a Trip, which within 180 days causes death of the Insured; * When the Insured dies during a Trip because of illness, pregnancy, childbirth, premature birth or miscarriage; * When the Insured dies within 30 days from and including the last day of a Trip due to illness first developed during a Trip (provided the Insured started receiving treatment of a doctor during a Trip and continued to receive such treatment);  
2. When the Insured is hospitalized for 3 consecutive days or more due to an injury caused by an accident during a Trip or illness first developed during a Trip (provided that the Insured starts to receive treatment by a doctor during a Trip, except for policies with Coverage Period of 31 days or less where coverage may be given by Rider on Emergency Treatment and Rescue Expenses on Illness);  
3. When an aircraft or a ship, on which the Insured is boarding, is missing or distressed, when life or death of the Insured is unascertained due to an accident, or when search and rescue activities are required for the Insured; and  
4. When the Insured is kidnapped or missing during a Trip.  

(*1) Excludes illness arising from a cause that has existed before the commencement of a Trip or a cause that comes to exist after the end of a Trip.  
However, for policies with Coverage Period of 31 days or less, Benefits may be paid if respective illnesses are covered by Rider on Emergency Treatment and Rescue Expenses on Illness.  

(*2) Infectious diseases refer to cholera, pest, smallpox, epidemic typhus, Lassa fever, malaria, relapsing fever, yellow fever, SARS, Ebola hemorrhagic fever, Crimea-Congo hemorrhagic fever, Marburg disease, coccidioidomycosis, dengue fever, gnathostomiasis, West Nile fever, lyssavirus infection, nephropathic hemorrhagic fever, Hantavirus pulmonary syndrome, highly pathogenic bird influenza, nipa virus infection, dysentery, encephalitis caused by tick as a vector, typhoid fever, Rift Valley fever, and leptospirosis.  

Rider on Emergency Treatment and Rescue Expenses on Illness
(attached to policies with Coverage Period of 31 days or less)  

When Benefits are Payable
♦ Sickness Medical Expense Portion  
When the Insured receives treatment by a doctor during a Trip for sudden ingravescence of symptom (*) due to an illness first developed and treated before the commencement of a Trip (excluding illness caused by pregnancy, childbirth, premature birth or miscarriage or dental disease).
♦Rescue Expense Portion  
When the Insured is hospitalized in a hospital or a clinic for 3 consecutive days or more for sudden ingravescence of symptom (*) due to an illness first developed and treated before the commencement of a Trip (excluding illness caused by pregnancy, childbirth, premature birth or miscarriage or dental disease).  
(*) Sudden ingravescence of symptom signifies the development of symptom whose occurrence during a Trip could not be foreseen by the Insured in advance and that could not be avoided even with a due care of common degree.  

Rider on Emergency Dental Treatment Expenses
(attached to policies with Coverage Period of 31 days or less)  

When Benefits are Payable
When the Insured starts to receive emergency dental treatment by a dentist during a Trip for sudden ingravescence of dental symptom (*) due to a dental disease developed during a Trip).  
(*) Includes cases where troubles in artificial tooth or orthodontic equipments in use cause difficulty in eating or drinking.  

Note: Emergency dental treatment refers to tentative treatment to temporarily stop or ease pain and/or distress and a quick-fix of artificial tooth and/or orthodontic equipments, which are commonly accepted as reasonable  

Sickness Death

When Benefits are Payable
1. When the Insured dies during a Trip due to illness.  
2. When the Insured dies within 30 days from and including the last day of a Trip due to "an illness first developed during a Trip" or "an illness first developed within 72 hours of the end of a Trip" (*) (provided that some medical treatments are provided by a doctor within 72 hours of the end of a Trip);and  
3. When the Insured contracts an infectious disease (as defined in the section 2 of Illness Medical Expense Portion of Medical and Rescue Expenses), which within 30 days from and including the last day of a Trip causes death of the Insured.  

* Excludes illness arising from a cause that has existed before the commencement of a Trip or a cause that comes to exist after the end of a Trip.

Personal Liability for Damages

When Benefits are Payable
When the Insured is held legally liable for damages caused by an accident during a Trip that results in injury of other persons or by breaking other persons'articles (including articles rent by the Policyholder or the Insured from rental businesses).  

Baggage

When Benefits are Payable
When personal effects of the Insured (*) are damaged or lost due to accidents such as theft, breakage, and fire.
(*) Personal effects refers to everyday items such as camera, bags, and clothes owned or rent from others for free for a Trip before its commencement by the Insured, excluding: cash; checks; credit cards; railway/bus passes; artificial tooth; contact lenses; various sorts of documents; data; intangibles such as software; articles used for activities such as surfing; articles used solely for work; articles located in residential facilities of the Insured (or in land property if in case of a stand-alone house); and unaccompanied articles sent separately. 

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 upon the Insured's boarding, does not arrive at the destination within 6 hours of the arrival (provided such aircrafts are operated on specified routes by scheduled air carriers)
Flight Delay Expense

When Benefits are Payable
(Expenses for Departure Delay etc.) When departure is delayed and an alternative flight is not made available within 6 hours of the scheduled departure time due to any of the following:  
* delay in departure for more than 6 hours; * flight cancellation or suspension of flight services; or * misconduct of air carriers in check-in services, resulting in the Insured not being able to be on board.  
(Change of Destination) When a boarded aircraft arrives at a different location from the originally intended destination, and an alternative flight is not available within 6 hours of the arrival.  
(Expenses for Transfer Delay) 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 flight is not made available within 6 hours of such arrival.  

[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.  

お申込の際は、申請用紙へのご記入が必要です。
詳細はお電話又はメールにてお問い合わせください。
Please give us a call or e-mail to get more detail. 
Quoted Prices May Vary Depending on Rates/Evaluation
ALL PRICES ARE IN JAPANESE YEN

 
   
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