Insurance
Disaster and Accident Insurance for Students (GAKKENSAI) (Gakusei Kyoiku Kenkyu Saigai Shougai Hoken)
There is no way students can know when an unexpected accident may occur during regular curricular activities, school events or extracurricular activities. In particular, given the quantity of experiments and practical training conducted at Tokyo Tech, chemical burns, injuries resulting from machinery and other kinds of accidents occur relatively frequently. Japan Educational Exchanges and Services (JEES) administers Disaster and Accident Insurance for Students (GAKKENSAI) as a system for providing aid to students involved in such accidents. GAKKENSAI comprises a nationwide accident and disaster compensation system that was established as a measure to assist students who suffer various accidents during their study and research activities, and all Tokyo Tech students are required to join this insurance.
A guide to joining this insurance system is enclosed with other regular admission documents (also distributed by the Student Support Division). Please note, you will need to re-join this insurance system each time you advance to the next stage of higher education (e.g. from a research student to a master's student; from an undergraduate student to a master's student; and from a master's student to a doctoral student).
Personal Liability Insurance for Students - supplementary to the Disaster and Accident Insurance for students (GAKKENBAI) (Gakkensai Futai Baisho Sekinin Hoken)
Personal Liability Insurance for Students (GAKKENBAI) is another type of insurance that indemnifies student liability (compensation paid to injured third parties or for damaged property) arising from accidents occurring during official Tokyo Tech activities (excludes some activities), and all students are also required to join this as it is regarded necessary for life as a student. GAKKENBAI cannot be bought independently of the abovementioned GAKKENSAI insurance, so please buy them together.
Cases in which benefits are paid(GAKKENSAI)
| Coverage | Content |
|---|---|
| During regular curricular activities | In addition to taking classes in the form of lectures, experiments, practical training, exercises or practice, it includes the following cases in particular. "Whilst engaging in research for your dissertation or graduation thesis in accordance with your academic advisor's instructions" "While preparing for or clearing up after classes or engaging in research activities in the place where your classes are held, in the University library, in a materials room or in a language study facility in accordance with your academic advisor's instructions" |
| During Tokyo Tech school events | While participating in various school events that comprise a part of your educational activities such as entrance ceremonies, orientation and graduation ceremonies organized by Tokyo Tech |
| While you are in Tokyo Tech facilities | During times you are at Tokyo Tech other than those mentioned above such as breaks between classes and lunch breaks |
| During Extracurricular activities | While engaging in extracurricular activities on or off campus |
| While commuting to and from Tokyo Tech | While commuting between your home and Tokyo Tech facilities, and while traveling between Tokyo Tech facilities |
| Internships | Internships recognized by the Academic Affairs Division |
| During teaching practice | Types and Amounts of Indemnity |
- For the purpose of this insurance, extracurricular activities refer to sports and cultural activities undertaken under the management of internal students' organizations that have been recognized by Tokyo Tech after the prescribed procedures had been taken in accordance with Tokyo Tech regulations. Extracurricular activities undertaken off-campus are limited to those for which Tokyo Tech has been notified.
Types and Amounts of Indemnity
1) GAKKENSAI(Does not cover illness)
| Types of Indemnity | During regular curricular activities or school events | During extracurricular activities, during breaks on campus, etc. | While commuting |
|---|---|---|---|
| Indemnity for loss of life | ¥20 million | ¥10 million | ¥10 million |
| Indemnity for residual disability (Maximum) |
¥30 million | ¥15 million | ¥15 million |
| Indemnity for medical expenses (up to ¥300,000 ) |
For 4 or more days of actual medical treatment | For 14 or more days of actual medical treatment | For 7 or more days of actual medical treatment |
| Additional indemnity for hospitalization (Up to 180 days) |
¥4,000 per day | ||
2) GAKKENBAI
| Bodily injury | Up to ¥100 million per person, per accident |
|---|---|
| Property damage | Up to ¥2.5 million |
Insurance Premiums
| Insured period | GAKKENSAI Premium | GAKKENBAI Premium | Total premiums to be paid | |
|---|---|---|---|---|
| Undergraduate Students | 4 years | ¥3,900 | ¥1,600 | ¥5,500 |
| Graduate Students (Master's) | 2 years | ¥2,100 | ¥800 | ¥2,900 |
| Graduate Students (Doctoral) | 3 years | ¥3,050 | ¥1,200 | ¥4,250 |
| Research & Audit Students | 1 years | ¥1,200 | ¥400 | ¥1,600 |
- Students wishing to buy insurance midway through their studies should contact the Student Support Division.
Claiming Indemnity
Should you have the misfortune to get injured or have an accident, you will need to claim indemnity. Please refer to the following regarding the procedures to be taken. Claim forms can be obtained from the Student Support Division. Always confirm that you do have insurance coverage at the Student Support Division before claiming indemnity.
[ GAKKENSAI ] Procedures for Claiming Indemnity
- Send an accident report postcard to the insurance company without delay.
- Request indemnity if you fulfill the following claim criteria.
- Submit a claim to the Student Support Division within one month of completing medical treatment.
- Tokyo Tech will verify your membership for the documents submitted.
- Indemnity will be transferred to your specified bank account following inspection by the insurance company (Approx. 1 month)
- In cases of hospitalization, indemnity is paid from the first day, so please request indemnity.
1) Criteria for claiming indemnity (Actual no. of days of hospital outpatient visits)
| Accident/Circumstances | During regular curricular activities and school events | 4 or more days |
|---|---|---|
| While in Tokyo Tech facilities and during extracurricular activities | 14 or more days | |
| While commuting to and from Tokyo Tech and traveling between facilities | 7 or more days |
2) Completing claims
- Complete all spaces provided except those for the insurance membership certificate and verification of notification.
- In cases of hospitalization, attach a copy of a receipt noting the number of days of hospitalization. (A doctor's certificate is required for hospitalization of 18 days or more, so please ask for one.)
- Claims comprise five copies, and seals must be affixed to each copy. (The person claiming indemnity and the person verifying the accident)
- Complete the report on your medical conditions in the same way, and attach a copy of your patient registration card and other necessary documents.
- The space provided for verification of the accident should be completed by the following individuals.
| During regular curricular activities and commuting to and from school | Academic advisor |
|---|---|
| During school events | Unnecessary as Tokyo Tech can verify this |
| During extra curricular activities | Academic advisor of circles |
| While in Tokyo Tech facilities or traveling between facilities | Academic advisor or a third party |
[ GAKKENBAI ] Procedures for Claiming Indemnity
1) Criteria for claiming indemnity
Students are indemnified for personal liability provided for by law for injury caused to a third party or property damaged in Japan during regular curricular activities, school events and while commuting to and from Tokyo Tech.
2) Claiming indemnity
- Should you have an accident, please telephone Tokyo Marine Nichido (Claims Service Division, Head Office) and report the following information.
Tel:0120-868-066 / 03-5223-3250
Your name, age and university
· Date and time the accident occurred
· Where the accident occurred, and the name and age of the injured person
· Cause of the accident, extent of liability and extent of damage
* The student who caused the injury is responsible for reaching a settlement with the injured party.
(Please consult with the insurance company carefully before reaching a settlement.) - Students must get the prescribed form from Tokyo Tech, fill in the necessary information, and submit it to the Student Support Division, after which it will be sent.
- Indemnity will be transferred to your specified bank account after inspection by the insurance company.
3) Completing claim documents
Please attach a photograph of the damaged property and the estimate for repairs to your claim.
- Complete all spaces provided except those for the insurance membership certificate and verification of notification. In particular, please describe the accident in as much detail as possible.
- Claims comprise four copies, and your seal must be affixed to each copy.
- Verification of the accident must be completed by your academic advisor (for classes and experiments), or by a certifier.
School events will be verified by Tokyo Tech so please leave this blank.
- Inquiries regarding this matter
- Co-curricular Activities Section, Student Support Division 03-5734-3013