1) Summary
Rotary International Japan Youth Exchange Multidistrict (RIJYEM) is offering its RIJYEM Insurance Plan for inbound Rotary Youth Exchange (RYE) students. The plan combines insurance offered by two insurance organizations. The first is Japan’s National Health Insurance (NHI) system which covers accidents, illnesses and dental needs while staying in Japan. The other organization is JI Accident & Fire Insurance Co., Ltd. (JI) which offers an overseas travel accident insurance and Inbound Insurance that covers accidental death, accidental disability, personal liability, Baggage, Flight Delay and medical and rescuer expenses mainly while staying in Japan. (Please refer to pages 3-7, respectively, regarding the details of JI’s overseas travel accident insurance and Inbound Insurance.)
(Please refer to pages 8/11, respectively, regarding the details of NHI’s accident, illness and dental insurance.)
2) Eligible participants:
inbound students participating in the RYE program
3) Warranty information:
| Benefits | Maximum coverage | Coverage period | Notes | Insurance through |
|---|---|---|---|---|
| Accident death | ¥10 million | From home to home | JI | |
| Accident disability | ¥10 million | |||
| Personal liability | ¥100 million | Copayment ¥0 | ||
| Rescuer expenses | ¥5 million | |||
| Baggage(Actual cash value) | ¥100 thousand | |||
| Flight Delay | ¥20 thousand | |||
| Accident disability | ¥500 thousand | Home to arrival Departure to home | ||
| Medical & rescuer expenses | ¥100 million | |||
| Basic Contract for Insurance on Expenses incurred by Travel Accidents (Ex Gratia Expenses / Rescuer Expenses /AccidentResponse Expenses / Ad Hoc Expenses) | ¥1 million | Arrival to departure | ||
| Accident Medical Expenses | ¥5 million | |||
| Sickness Medical Expenses | ¥5 million | |||
| Emergency transport or evacuation in the event of a non-medical | ¥5 million | |||
| Accident medical expense | Unlimited | Arrival to departure | Copayment 30% | NHI |
| Sickness medical expense | ||||
| Dental medical expense |
- Please check the insurance overview for warranty information and coverage.
- Coverage period
: “From home to home” means from the time the plan participant leaves his/her residence within his/her home country until returning to the same.
: “Home to arrival” means from the time the plan participant leaves his/her residence within his/her home country until arrives in Japan.
: “Departure to home” means from the time the plan participant departs in Japan until arrives his/her residence within his/her home country.
: “Arrival to departure” means from the time the plan participant arrives in Japan until departure. - Please sign up for the NHI plan within 14 days after arriving in Japan.
- Copayments: Accident, illness and dental medical expense coverage by NHI is subject to a 30% copayment.
However, as for the amount which you paid as a copayment (30%) of NHI, JI’s Rescuer expenses and Accident medical expense and Sickness medical expense benefit provides coverage of up to 5 million yen for each injury or illness excluding dental expenses. (Please note that insurance payments cannot be made if exclusions apply.) - The refund for shortening the basic insurance period will be applied if the insurance period is within 6 months.
4) Insurance premium(per person)
| RIJYEM Insurance Plan 12 months | 12 months |
|---|---|
| PREMIUM | ¥121,241 |
- The fee for NHI(tax) must be paid separately. (As a rule students should pay . )
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