UNIV.CO-OP̀s mutual insurance is designed to help students to help each other. It is a security system for students.
大学生協の共済は、学生どうしがたすけあう、学生のための保障制度です。
2016 edition
For International Students
2016 年度版
留学生の皆さまへ
Are you already subscribed?
すでに学生総合共済にご加入済みではありませんか？
The application form is different for those who have previously subscribed to student comprehensive mutual insurance or regular
insurance. Please contact us before completing the procedure and submitting your application; for Mutual Insurance
Support, dial: 0120-335-770.
以前、学生総合共済・保険に加入されていた方は、申込書の様式が異なる場合がございます。お申し込み手続きの前に大学生協共済・保険
サポートダイヤル0120-335-770までお問い合わせください。
Study assistance
system
* This is not included in coverage
under mutual insurance.
勉学援助制度
※共済の保障では
ありません。
How to join
お問い合わせ先一覧
Contact List
加入手続
のしかた
To provide support for students who have lost their financial supporters and find it difficult to continue their studies for economic reasons, there is a study-support system
in the form of an emergency scholarship that provides assistance by way of a grant of ¥100,000 per person (repayment not required). This is a support system operated by
the National Federation of University Co-operative Associations. As of March 2015, 3,209 members have received financial support over the 23 years since establishment
of the system in 1992. For details such as required qualifications for application, please contact the Co-op information desk. This system is also part of student mutual aid.
扶養者が亡くなられ経済的な理由で学業を継続することが困難な学生のために緊急奨学金として、一人10万円（返済
不要）を支援する制度として勉学援助制度があります。これは全国大学生協連合会の支援制度で、1992年の開始以来
23年間で3,209名の方が給付を受けています（2015年3月現在）。応募資格など詳しくは生協窓口までお問い合わせく
ださい。この制度も学生どうしのたすけあいの一環です。
Life Mutual Insurance
Mutual Insurance foe Fire
生命共済
Mutual Insurance Support line
火災共済
Mutual Insurance for Fire
火災共済
Illness
病気
Injury
ケガ
Fire
火災
Liability
賠償責任
Tanuro - the mascot for Student
Comprehensive Mutual Insurance
学生総合共済のマスコットタヌロー
学生賠償責任保険
Supporter death coverage insurance
扶保保険
▶ 0120-335-770
Hours
Weekdays
Saturdays
保障内容・契約手続に関するお問い合わせ
受付時間【平日】
9:40〜17:30
【土曜】
9:40〜13:00 生命 火災 学賠 扶保
Sunday and public holidays
【日祝】
休業・12/28（月）〜1/4（月）休業 共済 共済 保険 保険
Report of the accidents or injuries and mutual insurance payment
claim related to Life Mutual Insurance or Mutual Insurance for Fire
Hours
Weekdays
Saturdays
生命共済・火災共済の病気や事故・ケガ等の
連絡・共済金請求
保障内容
について
学生賠償責任保険
大学生協共済・保険サポートダイヤル
Inquiries related to the content of coverage or contract procedures
For coverage
contents
Personal Liability Insurance for Students
Life Mutual Insurance
生命共済
Personal Liability Insurance for Students
各大学生協の窓口までお問い合わせください。http://kyosai.univcoop.or.jp/faq/list.html
生協
大学生協の学生総合共済 厚生労働大臣認可
Together with other recommended insurance あわせておすすめする保険
Please contact the Help Desk of the University Co-op【学生総合共済 取り扱い生協一覧】
Co-op
Student Comprehensive Mutual Insurance Approved by the Minister of Health, Labour and Welfare
受付時間【平日】
9:40〜17:30
【土曜】
9:40〜13:00 生命 火災
Sunday and public holidays
【日祝】
休業・12/28（月）〜1/4（月）休業 共済 共済
Help each other,
Encourage each other
互いにたすけあい
互いに励まし合う
During the new school term (Feb. 14 [Mon.] ‒ April 18 [Mon.]): Weekdays 9:00 ‒ 19:00, weekends and holidays 9:00 ‒ 17:00
［新学期］2/14（日）〜4/18（月）は、平日9：00〜19：00 土日祝9：00〜17：00
Report of accidents and insurance payment claim related to personal
liability insurance for students or supporter death coverage insurance
学生賠償責任保険・扶養者死亡保障保険の
事故連絡・保険金請求
Hours for calls [Available 24/7]
学賠 扶保
保険 保険
受付時間【24時間365日対応】
UNIVERSITY COｰOPERATIVES MUTUAL AID FEDERATION
【取扱代理店】
全国大学生協共済生活協同組合連合会
University Co-operatives Insurance Services
〒166-0003 東京都杉並区高円寺南1-12- 4 大学生協高円寺会館 株 式 会 社 大 学 生 協 保 険 サ ー ビ ス
http://kyosai.univcoop.or.jp/
〒166-0003 東京都杉並区高円寺南1-12- 4 大学生協高円寺会館
http://hoken.univcoop.or.jp/
MSI Emergency Navigation
全国大学生協共済生活協同組合連合会
株式会社 大学生協保険サービス
Now, there is a smartphone app for student comprehensive mutual insurance! (Free of charge)
無料
学生総合共済の
スマートフォン・アプリが
できました！
This application is convenient in times like these during university student life.
大学生活のこんな時に便利なアプリです
1
When you want to study the details of the coverage by Insureance with Student
Comprehensive Mutual Insurance.
2
もしもの時の手続方法を知りたい
3
ゲームで大学生活やもしもの時をシミュレーションできる
4
学生総合共済+保険の保障内容を知りたい
This free smartphone app assists and guides you by providing safety
and security information in a time of disaster.
災害時の安心・安全な行動をサポートするスマートフォンの無料アプリ。
Available in Japanese, English,
Chinese (simplified characters or
traditional characters), and Korean.
避難所ガイド機能
Evacuation Center Finder
Routes to evacuation centers from
your present location will be shown
on the map, together with a
directional compass.
現在地周辺の避難所
を地図上に表示しま
す。またコンパスで方
向を表示します。
災害時ノウハウ集
日本語・英語・
中国語（簡体字・繁体字）
韓国語に対応
Disaster Knowledge Bank
Japan is a country that frequently experiences
earthquakes and typhoons.
Please make use of this knowledge bank to
learn about disasters and acquire know-how
on responding to a disaster situation.
日本は、地 震や台 風
などの災害がたくさん
ある国です。防災につ
いて知って、災害の時
に役立ててください。
When you want to know the procedure to follow if something happens.
You can play a game to simulate university student life or unexpected occurrences.
You can use manga to learn about ways of using the National Federation of
University Co-operative Associations and mutual insurance.
マンガで大学生協と共済の活用方法がわかる
Supports: Android (4.0 or higher),
iOS (7.0 or higher)
MSI Emergency Navigation
iOS端末はApp Storeで、
Android端末はGoogle Play
でインストールしてください。
Click here to
download
the app.
Tanuro - the mascot for Student Comprehensive Mutual Insurance
学生総合共済のマスコットタヌロー
全国209大学生協・66.9万人以上の学生組
合員がたすけあう、安心の保障制度です。
Together with other recommended insurance
あわせておすすめする保険
Personal Liability Insurance for Students (= GAKUBAI) 学生賠償責任保険
Personal Liability Insurance for Students is not mutual insurance. Rather, it is insurance for which the UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION is the insurance contractor and for which a group
contract will be concluded with Mitsui Sumitomo Insurance Co., Ltd. (lead underwriter). The scope of persons who can be covered by insurance (persons subject to coverage) under this system is members of those
university co-operatives which belong to the UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION, who will be younger than 23 years or who are students of an educational institution (university or vocational
school, etc.) as stipulated in the School Education Act (including those who have completed enrollment procedures and become co-operative members), on the expiration date of the insurance period.
学生賠償責任保険は、共済ではなく全国大学生協共済生活協同組合連合会が保険契約者となり、三井住友海上火災保険株式会社(幹事)と締結する団体契約
の保険です。被保険者（保障の対象となる方）
となれる方の範囲は、全国大学生協共済生活協同組合連合会の会員である大学生協の組合員であり、保険期間
の満了日において、満23歳未満であるか、学校教育法に定める学校(大学・専門学校等)の学生の方です。(入学手続きを終え、組合員となられた方を含みます。)
Download via the
App Store if using an iOS device.
For Android users, visit Google Play.
ダウンロード
はこちら
@kyosai̲tanuro
災害時ナビ
A secured insurance system
base d on mutual insurance
policies covering more than
669,000 CO-OP members from
209 university co-operatives
across Japan
韓国語版や中国語(簡体字・繁体字)版は以下のURLからインストール
してください。URL:http://www.ms-ins.com/sumaho/saigai.html
For the Korean version or the Chinese version (simplified characters or traditional characters), please install the app from the URL below.
承認番号
A15-902530
使用期限：2017年4月1日
ucm160731
（1） JSA1632
(2015.12)
http://kyosai.univcoop.or.jp/
UNIVERSITY COｰOPERATIVES
MUTUAL AID FEDERATION
全国大学生協共済生活協同組合連合会
A guarantee on a safe and healthy overseas study life.
Mutual insurance for international students.
健康で、安全に留学生活を過ごすために。たすけあいから生まれた留学生のための保障。
KYOSAI recommendations
1
2
3
4
5
6
7
With mutual insurance, you have peace of
mind even for things for which payment is
not made under national health insurance
国民健康保険では支払われない部分も共済で安心
学生総合共済
7つのおすすめポイント
Q Is it necessary to participate in the mutual insurance system or take out
insurance in addition to National Health Insurance?
A In the event of sickness or an accident while studying in Japan, there are certain
cases where you have to pay the high costs of medical care. In Japan, international
students staying more than three months are obligated to take out National Health
Insurance just like Japanese citizens. In the case of medical care covered by National
Health Insurance, 70 percent of medical expenses are paid by the insurance and the
remaining 30 percent of medical expenses are paid by an individual.
Insurance for your study life in Japan available
by paying a small premium
少ない掛金で安心できる留学生活の保障
Insurance needed for living abroad in
Japan
日本での一人暮らしに必要な保障
Various procedures are available at the co-op
information desk in the university
学内の生協窓口で手続きが可能
Twenty-four hours whether you are inside or outside
Japan, even if you go back to your country or travel
24時間、日本国内、帰国中でも、海外旅行中でも
* Mutual Insurance for Fire only covers things within Japan.
※火災共済は国内のみの保障です。
Extensive prevention program
for disease and accident
病気や事故にあわないための予防提案
Because it is mutual insurance
business of mutual help between
students as a not-for- profit, you
can achieve insurance with a small
premium.
This insurance will guarantee household goods
damaged in a fire or from water or even stolen
and guarantee even when damaged. The
guarantee includes double indemnity for claims
by the landlord in cases of fire or water damage
due to negligence.
Application/consultation in terms of mutual insurance
Application procedures for mutual insurance money
A reminder to be given to avoid forgetting to apply for
mutual insurance
*Those who joined at Inter-college co-op are kindly
requested to follow the procedures over the phone.
During and middle- class school
During part-time job
Club Circle
Traffic accident
Return home
During Internship
These plans are implemented by each university
co-op. For further details, please contact the university co-op at the university where you are enrolled.
これらの企画は各大学生協単位で行われ
ております。詳しくはご自身の在学中の大
学生協までお問い合わせください。
Recommendation from the Chairperson of the International
Student Committee of Japan
Chairperson of the International Student Committee of Japan
Pan Dong
(Kyoto University/From China)
全国留学生委員長
潘棟
(京都大学／中国出身)
Student Mutual insurance is the mutual insurance systems that student members at the university co-op, irrespective of whether they are
Japanese students or international students, after joining, assist one another. While studying abroad in Japan, good health and security
come first to continue studies. However, an unexpected problem might occur to anyone. Actually, one out of four student members,
including Japanese students, receives mutual insurance money from mutual insurance before graduation. The university co-op International
Student Committee as well, after reviewing the cases of mutual insurance money granted to international students, considered it necessary
for all the international students to join mutual insurance and take out personal liability insurance for students. I strongly recommend that all
of you as international students join mutual insurance and take out personal liability insurance for students.
Student mutual insurance is what you have institutionalized as mutual
insurance among students .
The insurance required for student life has been achieved with a small
premium . Convenient and strong support for students.
学生総合共済は学生どうしのたすけあいを制度化したものです。
学生生活に
必要な保障を、少ない掛金で実現しています。
安心して過ごせるように学生生
活をしっかりサポートします。
24 hours supporting your oversea study life
留学生活を24時間サポート
Q 国民健康保険以外に共済・保険に加入が必要なの？
A 留学生活で、病気になったり事故にあった時、場合によっては高
額な治療費を支払わなければならないこともあります。日本では 3 か
月を超えて滞在する外国人留学生に日本人と同じ『国民健康保険』へ
の加入を義務付けています。国民健康保険の対象となる治療の場合、
医療費の 70％が保険で支払われ、残りの 30％が自己負担となります。
営利を目的としない “ 学生どうしのたすけあい ” の共済事業なので、
少ない掛金で充実した保障を実現しています。
火災・水ぬれなどで損害を受けた家財を保障
家財が盗難により盗まれたり、壊されたときも保障
過失による火災や水もれ事故で大家さんから法律上の損害賠償を請
求された場合に保障
共済加入の申込み・相談
共済金の給付申請手続き
共済金の給付申請忘れがないように呼びかけ
※インターカレッジコープでご加入された方はお電話で手続きをお願
いします。
During Japan and overseas travel
sport
Dormitory rented house
Diet counseling
Health check plan
Prevention of binge
campaign
Bicycle Bike inspection
通学中・授業中
日本・海外旅行中
アルバイト中
スポーツ中
クラブ・サークル
寮・借家
交通事故
帰国中
インターンシップ中
drinking
食生活相談会
健康チェック企画
イッキ飲み防止キャンペーン
自転車・バイク点検
留学生委員長からのおすすめ
学生総合共済は、大学生協の学生組合員が日本人、留学生を区別無く、
加入して、たすけあう制度です。留学生活では、学業を続けるためには
健康や安全が一番ですが、万一ということは誰にでもありうることで
す。事実、
日本人も含めた学生加入者の４人に一人が卒業までに共済
のお世話になっています。大学生協留学生委員会でも留学生の給付
事例を見た結果、やはり共済と学生賠償責任保険には、留学生みんな
が加入が必要と感じました。ぜひ皆さん加入しましょう。
GAKUBAI
学生賠償責任保険
2
日常生活中および正課の講義中、医療関連実習中、
インター
ンシップ中などに自分の過失で賠償責任を負った場合に保
障を受けられる賠償責任保険にもあわせて加入をおすすめ
します。
示談交渉サービス付き
（国内での賠償事故。
名誉毀
（き）
損・プライバシー侵害事故を除く。
）
Please join the membership of UNIV. CO-OP together with
the university entrance procedure.
入学手続きとあわせて生協加入の手続きをお願いします。
UNIV. CO-OP is run with investments from university students and
personnel, playing an important role in the welfare of universities. Many
university students and personnel are members of UNIV. CO-OP. UNIV.
CO-OP members are entitled to the services of retail stores or cafeterias,
as well as a discount service. UNIV. CO-OP came into existence as a result
of both investment and participation by each person. Please consult the
UNIV. CO-OP if you have any questions on the investment.
生協は各大学の学生・教職員が出資金を出し合って運営し、大学の中で福利
厚生を担っている団体です。大学内の多数の学生・教職員が加入しており、
店舗・食堂の利用や書籍の割引サービスなどを利用できます。生協は一人
ひとりの出資と参加で成り立っています。出資金については各大学生協にお
問い合わせください。
Investment funds will be fully refunded when you graduate. However,
the premiums for mutual insurance or personal liability insurance for
students will not be refunded. (Part of the premium will be refunded if
you leave the university before graduation)
出資金は卒業時に全額返還されます。共済掛金、学生賠償責任保険の保険料返
金はありません。
（秋卒業や途中退学などの場合は、未経過分の解約返戻金が
あることがあります。）
UNIV. CO-OP Members (Investors)
組合員
（出資者）
Learning
学ぶ
Meals
食べる
Health
健康
Accomodation
住む
Travel
トラベル
Itʼs best for university students to focus on their studies and research!!
You can purchase stationery and books necessary for your studies or research, a personal computer, electronic dictionary,
etc., at a discount price. In addition, we also accept applications for the TOEIC test, certification exams, and driving schools.
大学生は勉学・研究がイチバン！
！
勉学研究に必要な文具や書籍、パソコンや電子辞書など
も割引で購入できます。
また、TOEICや資格試験の申し込
み、
自動車教習所の受付も行っています。
To eat is to live!
We, using safe and reliable foodstuffs, conduct nutritional labeling and make proposals to enable you to have well-balanced
meals. We offer you a variety of menus at inexpensive prices so as to provide assistance to your dietary life.
食べることは生きること！
！
安心安全の食材を使用し、バランスよく食べるための栄養
表示と提案を行っています。様々なメニューを低価格で提
供しており、
食生活をしっかりとサポートします。
Wishing for healthy and safe life, we are working on the health and safety issues.
We recommend joining the mutual insurance system for emergencies, Kyosai
(Student Mutual insurance).
健康で安全に過ごしてほしい！ そんな願いから健康・安全
のとりくみを行っています。もしもの時のたすけあいの制
度
「学生総合共済」
への加入をおすすめします。
Housing introduction
We introduce international students to apartment houses near their universities.
住まいの紹介
留学生の方へ大学の近くのアパートの紹介を行っています。
We also accept requests for getting tickets for trips, training camps, expressway
buses, airlines, etc.
旅行・合宿・高速バス・航空券などの切符の手配も受付し
ています。
We managed to give mutual insurance coverage benefits
to those victims of the 2011 Great East Japan Earthquake
who are policyholders of Life Mutual Insurance.
2011年に発生した「東日本大震災」で被災された生
命共済加入者の方々へ共済金をお支払いすること
ができました。
Student Mutual Insurance
(=KYOSAI)
学生総合共済
Life Mutual Insurance
生命共済
We will give mutual insurance money for the injury during an earthquake.
Admission to a hospital or hospital visit due to injury from falling objects
落下物や飛来物、転倒等によるケガで入院・通院をされた場合
国民健康保険は自分が病気になったり、ケガをしたときの自分のための保険であり、事故等で他人に損害を与えてしまった場合の損
害賠償に関しては補償されません。 （厚生労働省資料より）
Including out-of-court negotiation services (only
in Japan Excluding defamation and an invasion of
privacy)
生協加入について
地震災害によるケガの場合は、共済金をお支払いいたします。
National Health Insurance is the insurance for an individual when such individual becomes ill or gets injured and does not cover compensation for
damage that is claimed when having caused damage to another person in an accident. (Source: Materials of the Ministry of Health, Labour and Welfare)
We also recommend that you take out insurance that covers the liability incurred
due to negligence in daily life, during class on the regular curriculum, or in the
course of an experiment, practical training, medical practice, internship, etc.
About membership in the UNIV. CO-OP
In the case of a domestic accident experts from insurance
companies will negotiate on behalf of the students with the
victim .
この保険の被保険者が加害者となったとき、被害者の同意
を得て、被保険者に代わって保険会社が被害者と折衝し解
決するサービスです。
●We will cover for outpatient care from the first day if you are admitted
to any hospital or receive treatment from any hospital for more than
five days in total.
●If including disease, we will cover from the first day of hospital admission.
●通院のみまたは入院と通院の合計日数が5日以上の場合は、1日目
から通院保障の対象になります。
●入院は病気の場合も含めて1日目から保障の対象になります。
3
Insurance with wide coverage and
only a small premium is possible
with UNIV. CO-OP.
大学生協だからできる少ない掛金・保険料で大きな保障！
We strongly recommend that students from overseas purchase the three types of insurance
(Life Mutual Insurance, Mutual Insurance for Fire, and Personal Liability Insurance for Students),
in order to sufficiently prepare for various risks while you are attending the university.
留学生のみなさんの在学中のさまざまなリスクに十分に備えるためには、生命共済・火災共済・学生賠償責任保険の３つの保障への加入をぜ
ひおすすめします。
The Japanese language version of the information provided here shall have precedence.
ここに記載する内容につきましては、
日本語が優先となります。
Annually auto-extend through bank transfer/Annual payment for premiums
Payout results
支払実績
Payout results of Life Mutual Insurance
生命共済支払実績
Special clause for death of a
parent supporter 1,440cases
父母扶養者死亡 1,440件
Residual disability
118 cases 後遺障害 118件
Special clause for accidental
death of a dependent
157 cases
扶養者事故死亡 157件
Annual payout results of mutual insurance
money (Life Mutual insurance) (Total number
of cases: 42,895; Total paid-out amount: Outpatient visit after
an accident
Approx. ¥3,179,210,000 )
Hospitalization due
to sickness
8,006cases
病気入院 8,006件
Breakdown
23,404 cases
事故通院 23,404件
1年間の共済金（生命）の支払実績
〈合計件数42,895件／合計金額約31億7,921万円〉
Death of the relevant
person 145cases
本人死亡 145件
内訳
(Number of cases)
Hospitalization due
to an accident
3,039cases
事故入院 3,039件
(件数)
口座振替で毎年自動継続／掛金年払い
Life Mutual Insurance
Whenever you have
a disease or injury
病気・ケガをしたとき
生命共済
You can choose in between the “¥2,500 daily coverage for hospital admission” Course (NM Type) and the “
¥10,000 daily coverage for hospital admission” Course (NA Type).
入院日額 2,500 円コース
（NM 型）、入院日額 1 万円コース
（NA 型）からお選びいただけます。
These following diseases and injuries are getting more frequent among international students.
留学生のこんな病気・ケガが増えています。
Decline in healths
due to irregular dietary habits
不規則な食生活による体力低下
Injury
from bicycle accident
自転車事故によるケガ
Injury
during sports or club activity
サークルなどスポーツ中のケガ
Hospital admission can be covered up to 200 days from the first day of admission. Hospital visits due to
accident can be covered, too.(Regardless of inside or outside Japan)
1 日目から最高 200 日までの入院を保障。事故による通院も保障します。
（国内・海外）
Annually auto-extend through bank transfer/Annual payment for premium money
23,404 students injured in an accident have
received outpatient treatment so far.
23,404人が事故で通院し支払いを受けています。
Operation due
to an accident
2,472cases
事故手術 2,472件
Payout results of Mutual Insurance for Fire
火災共済支払実績
Annual payout results of mutual insurance
money (Mutual Insurance for Fire) (Total
number of cases: 799; Total paid-out amount:
Approx. ¥157,150,000)
Operation
due to sickness
4,114cases
病気手術 4,114件
(April 2014 to March 2015)（2014年4月〜2015年3月）
Coverage for theft
178 Case
Coverage for
household goods
154 Case
盗難保障
178件
家財保障
154件
Breakdown
内訳
(Number of cases)
1年間の共済金（火災）の支払実績
〈合計件数799件／合計金額約1億5,715万円〉
(件数)
Tenant reparations
obligation guarantee
467 Case
口座振替で毎年自動継続／掛金年払い
For those who stay
in dormitory or
rented room
Mutual Insurance for Fire
火災共済
寮・借家暮らしを
される方へ
The following incidents are becoming more frequent among international students.
467 students have so far received compensation
from tenantsʼ liability insurance.
借家人賠償責任保障を467人が受けています。
借家人賠償責任保障
467件
(April 2014 to March 2015)（2014年4月〜2015年3月）
留学生のこんな事故が増えています。
Water leakage from water
supply or drainage system
給排水設備からの水もれ
Liability for damage
claimed by the house owner
大家さんへの損害賠償責任
Burglary due to
or window
盗難
Covers the liability for damages, and also the loss of household possessions due to fire, wind, flood, or
burglary. (Only within Japan)
借家人賠償責任保障と火災・水ぬれ・風水害・盗難による家財を保障します。
（国内のみ）
Recommended insurance policies for use in conjunction
あわせておすすめする保険
When you caused
trouble for someone
他人への賠償責任を
負ったとき
Lump-sum payment of premium through to proposed graduation year
卒業予定年まで保険料一括払い
Personal Liability Insurance for Students
学生賠償責任保険
It is insurance exclusively for students, and it covers various compensated accidents while a student until graduation.
学生生活のさまざまな賠償事故を卒業まで保障する学生専用の保険です。
4
Payout results of gakubai (Student Personal Liability Insurance)
学生賠償責任保険支払実績
Payout results of the claims of gakubai
(Student Personal Liability Insurance)
(Total number of cases: 1,866)
1年間の学生賠償責任保険の保険金の支払実績
〈合計件数 1,866件〉
Other 347Case
その他の事故 347件
Accidents during class/
training/practical training
65Case
講義・研修・実習中の事故
65件
Accidents during
sporting practice
92Case
スポーツ運動中の
事故 92件
For those who ride a bicycle please join
by all means.
自転車に乗る方はぜひご加入ください。
Bicycle accident
1,055Case
Breakdown
自転車事故
1,055件
内訳
(Number of cases)
(件数)
Water leakage accident
307Case
水もれ事故 307件
(April 2014 to March 2015)（2014年4月〜2015年3月）
5
Yearly payment of premium
掛金年払い
1 day ¥10 1日約10円
Life Mutual Insurance
NM Type
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。
NM型
Premium of
1 year ¥3,400
掛金1年間3,400円
Only open to student members of UNIV. CO-OP.
¥2,500 daily
生命共済
For the information provided here, English version is shown for reference only and Japanese version has precedence.
1 day ¥32 1日約32円
NA型
Premium of
1 year ¥11,400
掛金1年間11,400円
coverage for hospital
Secured coverage regardless of inside or outside Japan.
admission Course (NM Type)
admission Course (NA Type)
入院日額
2,500円コース(NM型)
入院保障
Coverage for
surgical procedures
Disease
手術保障
病気
Coverage for
aftereffects
検査・抜歯・視力回復術など対象にならないも
のもあります
1回につき 10,000円
Covers the severe disabilities of 1st to 3rd degree for
aftereffects due to diseases.
入院1日目から200日まで保障
¥10,000
¥50,000
1回につき 50,000円
Maximum of
Maximum of
最大 150万円
最大 600万円
¥1,500,000
1 day ¥2,500
payment
日 額 2,500円
Covers from the first day to 90 days for only
outpatient care , or both hospitalization and
outpatient care for five days and above in total.
日 額 10,000円
¥6,000,000
1 day ¥10,000
payment
1 day ¥1,000
payment
1 day ¥2,000
payment
通院のみ、
または入院・通院あわせて5日以上の
場合（例えば、入院2日、通院3日など）1日目から
90日まで保障
日 額 1,000円
日 額 2,000円
During the use for
casts
Two days of the use of casts will be considered one day of
outpatient care, excluding the hospitalization days and
outpatient care days.
In 2 days ¥1,000
payment
In 2 days ¥2,000
payment
2日で 1,000円
2日で 2,000円
入院日および通院日を除いた固定期間2日を通
院1日とみなします
Coverage for
surgical procedures
Some operations like tooth extraction, suturing of a
wound , or checkups may not be included.
Coverage for
aftereffects
Covers the first to fourteenth degree of aftereffects
due to accidents.
検査・傷口の縫合・抜歯など対象にならないも
のもあります
事故による後遺障害は1〜14級について保障
Concerning 1 times Concerning 1 times
¥10,000
¥50,000
Maximum of
Maximum of
最大 150万円
最大 600万円
1回につき 10,000円
¥1,500,000
1回につき 50,000円
¥6,000,000
Death due to disease or accident
¥500,000
¥2,000,000
Death due to
other causes
¥250,000
¥1,000,000
病気・事故による死亡
その他の死亡
50万円
Death due to the reasons other than disease or freak accident.
病気や不慮の事故以外の原因により亡くなら
れた場合
25万円
200万円
100万円
option オプション
This option is available for people who purchase life mutual insurance contract NM type or NA type.
NM型、
NA型で生命共済にご加入の方が付帯できるオプションです。
The things that are incidental to the special contract for benefactor's death from accident must be purchased without fail together
with the things that are incidental to the special contract for parent's/benefactor's death.
「扶養者事故死亡特約」
の付帯には、
「父母扶養者死亡特約」
の付帯と合わせての加入が必要です。
Type 型
NM Type+ NM 型＋
+Option１ + オプション１
M Type M 型
+Option1+Option2 +オプション１+オプション２ MF Type MF 型
Option 1
オプション1
Option 2
オプション2
NA Type+ NA 型＋
A Type A 型
AF Type AF 型
The Special Contract for Parent's/Benefactor's Death
父母扶養者死亡特約
Death coverage regardless of disease or accident.
病気・事故を問わず保障
The Special Contract for Benefactor's Death from Accident
扶養者事故死亡特約
Only covering the death due to accident.
事故による死亡のみ保障
Premium
of 1 year
1年間の掛金
Mutual Insurance
Money with NM type
NM型に付帯した場合
Mutual Insurance
Money with NA type
NA型に付帯した場合
¥600
600円
¥100,000
10万円
¥200,000
20万円
¥800
800円
With batch or split With batch or split
¥1,000,000
¥5,000,000
一括または分割で100万円
一括または分割で500万円
●Be sure to read page 12-16.21-28 of the Summary of the Coverage as well. In addition, please follow the procedures after confirming the matters to be declared that are set out in the subscription form.
6
董 慧超
京都大学
中国出身
Injury on campus
学内の事故
Ankle sprain
●保障のあらまし、重要事項説明書（12〜16.21〜28 ページ）
も必ずご一読ください。 また、告知事項を加入申込書でご確認のうえお手続きください。
足首の捻挫
When I was walking down the stairs, I lost my footing, fell,
and twisted my right ankle. I think that, having a lot of
books and unable to look forward, I missed a step on the
stairs. However, even under such circumstances, because I
am a member of mutual insurance, I can enjoy my life in
Japan without undue worries. (First-year student)
階段から降りる際、踏み外してしまって転倒した
際に、
右足の足首を捻って捻挫。本を大量に持っ
ていたため、前がちゃんと見えなかったので階
段を踏み外したと思います。共済に加入してい
るから、安心して留学生活を送られる。
（大学 1
年 留学生）
生命共済
生命共済のおすすめ
留学生として、
日本で一人暮らしをして、時々ア
ルバイトやサークルなどがあって、思いがけな
い危険に会う可能性もあるでしょう。
さらに、親
はそばにいないので、万が一何かあったら、す
ぐそばに来てくれるのも難しいでしょう。両親を
安心させるため、大学生協の共済に加入するの
をおすすめします。
The actual voices of
the students who
received the mutual
insurance money
Accident durin
g the sport
スポーツ中の
事故
Fractured rig
ht leg
右足の骨折
While skatebo
arding in a pa
rk, I fell and fra
leg. (First-year
ctured my rig
graduate stu
dent from ov
ht
erseas)
公園でスケート
ボードをしてい
て転倒、右足
骨折。
（大学 1 年 留
を
学生）
Payment ¥171,500
給付を受けた学生の声
of mutual insuranc
e money
Payment ¥30,000 of mutual insurance money
Accident during a bicycle ride
自転車運転中の事故
Disease/Hosp
italization
病気／入院
日 額 10,000円
通院保障
後遺障害保障
本人の死亡
Concerning 1 times Concerning 1 times
Covers from the first day to 200 days of hospitalization.
手術保障
Death of the
policyholder
Some operations like restoring eyesight, dentistry, or
checkups may not be included.
Coverage for
hospitalization
固定具使用期間
事故・ケガ
1 day ¥10,000
payment
日 額 2,500円
後遺障害保障
Coverage for
outpatient care
1 day ¥2,500
payment
From China
入院日額
10,000円コース(NA型)
入院1日目から200日まで保障。
こころの病
（精神
障害など）
による入院も保障
病気による後遺障害は1〜3級の重度障害につ
いて保障
入院保障
Accident
/ Injury
Coverage provided from the first day to 200th day of hospitalization
Hospitalization due to mental illness (psychiatric disease, etc.) is
also covered.
As a student from overseas, I live by myself in Japan, and
sometimes I go to things, such as my part-time job or club
activities, and there are probably unforeseen risks. Also, my
parents arenʼt here, and if anything happened, it would probably
be difficult for them to come here. I recommend purchasing
mutual insurance from the UNIVERSITY CO-OPERATIVES MUTUAL
AID FEDERATION in order to give your parents peace of mind.
Kyoto University
¥10,000 daily
coverage for hospital
国内・海外問わず保障します。
Recommendation of Life Mutual
Insurance
NA Type
大学生協の学生組合員が加入できます。
Coverage for
hospitalization
Life Mutual Insurance
Authorized by the Minister of Health, Labour and Welfare of Japan 厚生労働大臣認可事業
Multiple facial fractures
Acute gastro
enteritis
急性胃腸炎
While visiting
home during sum
went to a hospi
mer vacation,
I had diarrhea
tal. The next da
an
y, I went to the
a drip and was
hospital to be pu d
immediately ho
t on
spitalized. (First
-year student)
大学より帰宅後、アルバイト先に向かう途中、
交差点で反対側から走行してきた自転車と出会
い頭に衝突、転倒し右顔面を打撲負傷した。
（大
学 1 年 日本）
夏休み帰省中
、下痢をしてし
まい病院へ。
目に点滴に行っ
2 日
たところ、その
まま入院した。
学 1 年 日本）
（大
Payment ¥110,000
e money
me
and turning
aight ahead of
a motorbike
When riding
car that came str face against the
mped into the
bu
my
I
,
of
e
ion
sid
ect
t
ers
lef
int
the
ma
site side and hit
air, fell into a co
from the oppo
thrown into the
d, having been
windshield an
nt)
de
-year stu
for a while. (First
ところ、
ようとした
交差点で右折し
バイク走行中、
突し、車のフロ
衝
進してきた車と
直
され
ら
か
側
対
反
、空中に飛ば
顔面をぶつけ
本）
日
年
ントガラスに左
1
学
大
（
に陥った。
一時意識不明
nce money
00 of mutual insura
Payment ¥1,938,0
Q
A
Payment ¥214,000 of mutual insurance money
of mutual insuranc
e ride
g a motorcycl
Accident durin
故
事
の
中
転
運
バイク
折
挫傷・顔面骨
facial fracture 脳
at the
Brain contusion &
to the right
顔面多発骨折
After coming back home from university, on my way to the
part-time workplace, I collided with a bicycle that was coming
from the opposite side at an intersection, fell, and suffered injuries,
such as a bruise on the right side of the face. (First-year student)
Disease/Hosp
italization
病気／入院・
手術
Accident in daily life
日常生活中の事故
Urinary calcul
osis
Injury of in the lateral ligament of the left ankle joint
左足関節外側靭帯損傷
When I tried opening the bathroom window of my house in
the evening while taking a bath by standing on the edge of
the bathtub, and I fell over. (Second-year student)
夕方、自宅の浴室にて入浴中、窓を開けようと
して、浴槽に足をかけた時に滑って転倒してし
まった。
（大学 2 年 日本）
Payment ¥84,000 of mutual insurance money
Is it possible to join mutual insurance for the whole
period up to graduation?
卒業まで一括加入できないのか？
The mutual period for the Student Mutual Insurance is one year, and the premium shall be paid every year.
Please pay the first year premium via bank transfer , or pay at the Co-op window.The premium from the second
year shall be transferred from the registered account, which shall be automatically continued until the year the
student is expected to graduate.The continuing contract from the second year needs to have the premium paid
by bank transfer from the member's account. Any payment of the premium other than bank transfer from
his/her account is considered to be a new contract even if the coverage period is unbroken. For continuing
contract of Life Mutual Insurance, death, hospitalization, operation, and aftereffect of disease due to an illness
after one year has passed since the day the member applied for the contract for the first time, there are
occasions that mutual insurance money may be paid, even in the case where the onset of disease is before the
subscription.
学生総合共済は共済期間が１年となっており、掛金も１年ごとにお支払いいた
だく必要があります。
１年目の掛金は払込みまたは生協窓口でお支払いください。
共済の掛金は２
年目以降からは登録いただいた口座から振替となり、卒業予定年まで自動継
続となります。
生命共済の継続契約では加入前の発病の場合でも初めて契約を申し込んだ
日から、１年を経過した後の病気による死亡、入院、手術、後遺障害の発生に
ついて共済金をお支払いできる場合があります。
Q
A
Q
A
尿路結石
In the morning
, I suddenly fel
t a sharp pain aro
and was hospi
und the lower
talized for emerg
back
ency treatmen
hospitalization,
t. As it was a sud
I did not have
den
any change of
stuff and was at
clothes and oth
a loss. As the say
er
ing, “One for all
we will be at a
loss if we have
, all for one,” go
any trouble wh
es,
think itʼs bette
en we are alone
r for us to ask
.
So
for
,
system. (Second
I
help from the
mutual insura
-year graduate
nce
student from ov
朝、突
erseas)
然腰部から激痛
を感じ緊急入院
院なので、着
。急な入
替え等全く持っ
ていなかったた
困りました。
「個人がみんな
め
のため、みんな
人のため」一
が個
人では困った時
に
ど
ので、やはり共
う
済に助けてもら しようもない
った方が良い
思います。
（大学院 2 年
と
留学生）
Payment ¥17,500
of mutual insuranc
e money
Is it possible to join mutual insurance without Univ.
Co-op membership?
生協に加入せず､共済にだけ加入したい。
Application for mutual insurance requires membership in the Univ. Co-op. This is because the mutual
insurance system does not help unspecified number of people, but for mutual insurance among members.
学生総合共済は加入資格として、大学生協の組合員であることが
必要です。これは共済事業が不特定多数ではなく、団体の構成員
の相互扶助を目的として行われる事業であるためです。
Is mutual insurance available for outpatient care
due to diseases?
病気通院は保障されないのですか？
Outpatient care in a hospital only because of diseases is not insured. But, surgery during the term of
outpatient care is considered. In this case, please ask the Co-op.
病気による通院保障はありません｡ただし､通院で手術した場合は
手術保障共済金の給付対象になる場合がありますので､生協にお
問い合わせてください。
7
Annual payment for premium money
掛金年払い
Authorized by the Minister of Health, Labour and Welfare of Japan
Mutual Insurance for Fire
火災共済
KV
Mutual Insurance for Fire
厚生労働大臣認可事業
Recommendation of Life Mutual 火災共済のおすすめ
Insurance
私は日本に来て今年で3年目になります。
大学入学時に火災共
1 day ¥6
1日約6円
KV
KV type
Premium of
1 year ¥2,000
For the information provided here, English version is shown for reference only and Japanese version has precedence.
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。
Only open to student members of UNIV. CO-OP.
大学生協の学生組合員が加入できます。
KV型
Feel safe with coverage of household property and burglary.
掛金1年間2,000円
家財保障と盗難保障がついて安心。
Nagoya University
From China
梁偉東
名古屋大学
中国出身
This year is the third year since I came to Japan. I purchased
Mutual Insurance for Fire when I enrolled in university. I havenʼt
encountered any accidents that would be covered by mutual
insurance yet, but I think that it is meaningful that I purchased it.
During class, I often suddenly wonder whether or not I turned off
the power for my electric stove when I left home and that makes
me worried. I recommend purchasing Mutual Insurance for Fire
because you can have peace of mind in case of fire emergency.
済に加入しました。まだ、共済で給付されるような事故には
遭ってはいませんが、
加入している事は意味があると思ってい
ます。
「家を出る時に電気ストーブの電源を消してきたか」
どう
かと授業中に急に思い出して心配になることがよくありますが、
もしもの時のために安心できる火災共済への加入をおすすめ
します。
Household properties
家 財
Fire
Water leakage
火災
水もれ
破裂・爆発
To ¥12,000,000
凍結による破裂
Coverage for tenant liability
Coverage for
liability
1,200 万円まで
借家人賠償責任保障
Covers fire or water leakage due to the negligence of the policyholder,
and the holder is responsible for the damages by the landlord.
賠償保障
Tenant liabilit
y
借家人賠償
Blocked the drainage system 屋根の排水系統のつまり
Burst or explosion Rupture due to freezing
No need pay yourself
（自己負担額なし）
加入者の過失により火災や給排水設備からの水もれ事故を起こし、法律
上の損害賠償責任が発生し大家（貸主）から請求された場合に保障
The drainage system installed on the roof was clogged due to the sleet
that lasted for more than six hours. Water leakage from the ceiling
occurred to an extensive degree and down quilts, etc., became dirty with
strong odors from the turbid water to such an extent that it was impossible
to restore. It was an unpredictable accident, and I think I should be more
careful of the weather from now on. (Fourth-year student from overseas)
屋根に設置されている排水系統が６時間以上続いた
みぞれで詰まった。天井に大面積の滝状の水もれが発
生し羽毛布団等が濁水による汚れと臭いで元に復元
できない状態になった。予測範囲外の事故なので次回
からの天気状態を注意したい。
（大学4年 留学生）
The actual voices of
the students who
received the mutual
insurance money
給付を受けた学生の声
Water Leakag
e
水もれ
I walked out wh
ile washing clo
thes and did no
had been discon
t notice that the
nected. As a res
hose
room downsta
ult, leaked wa
irs
ter
student from ov and caused damage to the flowed into a
erseas)
unit. (First-year
洗 濯 中にその
場を
ことに気がつか 離れた際にホースが外れた
ず階下に水も
れし、建物に被
がでた。
（大学1年 留
害
学生）
Payment ¥249,195
Payment ¥56,300 of mutual insurance money
The damage to
household
property due
to fire, water
stained, wind
or flood
家財の火災・水ぬ
れ・風水害など
Wind or flood
Fire
風水害
火災
Lightning
落雷
Water stained
水ぬれ
Burst or explosion
Coverage of household property
破裂・爆発
家財の保障
Covers damage to household property of the policyholder due to
wind, flood, fire, lightning, etc.※Covering the repair fee for those that
can be repaired.
風水害・火災・落雷などで加入者の家財が損害を受けた場合に保障
※修理可能なものは修理費用を保障します
Extra expenses
臨時費用
Burglary
盗難
Extra expenses will be given when household
property is completely burned or damaged.
家財が全焼・全壊のとき臨時費用としてお支払い
Coverage for the burglary of
household properties
盗難家財保障
Cover when the household property in rented room is stolen, damaged, or
soiled.
借用戸室内の被共済者所有の家財が盗まれたり、壊され
たり、汚されたときに保障
Coverage for
burglary
盗難保障
Coverage for the burglary
of cash
盗難現金保障
Covers when cash in rented room is stolen.
借用戸室内の現金などが盗まれたときに
保障
owned and ordinarily used by the mutual insurance policyholder that were locked and
Coverage for bicycle theft Bicycles
kept in an exclusive bicycle parking place (*) established on the site of the rented residence.
bicycle parking is an established and managed place that
(Mopeds are not subject to coverage.) *wasExclusive
approved by the lender (the landlord).
自転車盗難保障
（原付は対象外）
Coverage for the cost of the
rented room interior repair
in a burglary
借用戸室の敷地内に併設された専用の駐輪場所
に施錠保管していた被共済者所有の常用自転車
※専用の駐輪場所とは、
貸主
（大家）
が認めた
設置・管理する場所
Covers when the glass windows or the door locks of
the rented room are damaged in a burglary, and you
are required to pay for the repair.
盗難で借用戸室の窓ガラスやカギを壊さ
れ、大家さんから修理代を請求されたとき
盗難借用戸室修理費用保障 保障
The mutual insurance payment will not be given for the following cases.
300 万円まで
No need pay yourself
（自己負担額なし）
¥200,000
20 万円
Attention please
8
Burglary
よる破裂
pipes 凍結に
en prepared for
having be
entrance, not
uld have
r outside the
d water. I sho
main
ged and leake
The water heate
ma
da
s
wa
s,
ure
shutting off the
rat
by
pe
ng
tem
ezi
ng
fre
freezi
against
ion to protect
eas)
ers
ov
m
fro
taken such act
nt
de
ar graduate stu
valve. (First-ye
なかった為、
utual insurance
To ¥500,000
money
Payment ¥257,190 of mutual insurance money
No need pay yourself
Burglary
（自己負担額なし）
10万円まで
Payment ¥43,465 of mutual insurance money
再取得価額3万円まで
Copayment 5,000 yen（自己負担5,000円）
To ¥150,000
15万円まで
No need pay yourself
（自己負担額なし）
下記のような場合は共済金はお支払いできません。
●欠陥、
腐食、
さび、
カビ、
老朽化などの自然の消耗などを原因とする借用戸室の損壊・汚損
●盗難事故の時点で借用戸室内に存在しなかった家財、
現金の損害
●壁や床などをキズつけた場合や借用している設備等を壊した場合
●地震、
噴火、
これらによる津波、
火災、
風水害等による損害
●Please be sure to also read the outline of coverage and the explanation of important matters (pages 17-28). In addition, please conduct procedures after confirming the declared matters in the purchase application form.
●保障のあらまし、重要事項説明書（17〜28 ページ）
も必ずご一読ください。 また、告知事項を加入申込書でご確認のうえお手続きください。
盗難
海外旅行より帰宅すると、
ドアに穴が開けられ
施錠が外されており、現金とビジネスキャリー
が盗まれていた。
（大学院２年 留学生）
Re-acquisition valueTo
¥30,000
Tenant liabilit
y
借家人賠償
I came home from overseas trip to find that the front door was
unlocked with a pierced hole on it and that cash and a business
carry-on bag were stolen. (Second-year graduate student from
overseas)
No need pay yourself（自己負担額なし）
Q
A
盗難
留守中、窓ガラスを割って侵入され、ノートパソコン、
デジカメ、メガネなどが盗まれた。アパートの部屋は一
階なので、留守にする時はベランダのシャッターを降
ろして外出すべきだった。
（大学4年 留学生）
Household properties/Cash
家財／現金
50 万円まで
e money
During my absence, a burglar broke into my room by breaking the
window glass and stole my notebook computer, digital camera, glasses,
etc. As my apartment is on the first floor, I should have pulled down the
balcony shutter before going out. (Fourth-year student from overseas)
処理をしてい
器が凍結予防
った凍結
玄関外の給湯
締めておくとい
を
栓
道
水
。
た
れ
学生）
も
が
留
破損し水
（大学院 1 年
べきだった。
く
お
て
し
を
防
予
0 of m
Payment ¥49,60
● Damage to and defacement of the rented apartment caused by a defect, corrosion, rust, mold or any other natural wear and tear, etc.
● Loss of household goods and cash that were not found in the rented apartment at the time of theft or robbery accident.
● Case of either damaging the wall or floor or breaking the borrowed equipment, etc.
● Damage resulting from an earthquake, volcanic eruption, tsunami following these events, fire, windstorm and flood, etc.
ご注意ください！
Frozen and burst
of mutual insuranc
Household properties
家 財
y
Tenant liabilit
償
賠
人
家
借
To ¥3,000,000
To ¥100,000
火災共済
Is Mutual Insurance for Fire available only for a fire?
火災共済は､火事の時だけ保障されるのですか？
Mutual Insurance for Fire will be paid not only for damage caused by a fire, but also for water
leaking from kitchen, bathroom, washing machine, or lavatory, or by such disasters as
lightning, freezing, or typhoon. It will also be paid for damage claimed by the owner of rented
rooms when the member caused a fire, water accident or water pipe burst.（Mutual Insurance
for Fire will not cover damage to a household property of people other than those of the
owner of the house. The damage is sometimes covered by the Personal Liability Insurance for
Students, which we recommend joining together with the Mutual Insurance for Fire.）
火事だけでなく、給排水設備からの水もれや、風水害、落雷で
の家財の損害も保障します。また、自分が火災や水もれを起こ
して大家さんから借用戸室の損害賠償を請求されたときの保
障もあります。
（他室の家財に与えた損害の賠償は火災共済で
は保障されません。学生賠償責任保険で保障される場合があ
りますので、火災共済とあわせて加入をおすすめします。）
Q
A
Q
A
Frozen and burst
pipes 凍
結による破裂
Due to insufficie
nt water remov
al, the bath he
damaged. I thi
ater was frozen
nk that if I had
removed water
and
avoided such da
properly, I cou
mage. (First-ye
ld have
ar graduate stu
dent from overs
eas)
水抜き不十分
のために風呂
釜が凍結し、破
水抜きをきちん
損。
としていれば防
げたと思う。
学院1年 留学
（大
生）
Payment ¥20,000
of mutual insuranc
e money
Is it insured for any accident while doing part-time job, on
vacation or while going back home to my own country?
アルバイト中や旅行中､帰国中の病気や事故については保障されますか？
Mutual insurance covers diseases or accidents that happen anywhere.(Mutual Insurance for Fire is covered
only in Japan.)
共済の給付対象となる病気や事故であれば、どこで起こったものでも保障さ
れます。
（火災共済は日本国内のみの保障です。）
Will premium be refunded if there is no disease or injury?
病気やケガをしなかったら掛金は戻ってくるのか？
Premiums will not be refunded even if the member does not suffer a disease or injury. Nevertheless, since
mutual insurance is a“system by which a gift of money is given through the fund contributed by each
member to the member in difficulties due to disease or injury,”premiums paid by all members are certainly
helping members.
病気やケガをしなくても､掛金は戻ることはありません｡しかし､学生総
合共済は｢病気やケガをして困っている仲間にみんなでお金を出し合っ
てお見舞い金（共済金）をおくる制度｣ですから､みなさんの掛金は確実
に仲間のために役立っています。
9
Lump-sum payment of premiums until your graduation year
卒業予定年まで一括払い
Personal Liability Insurance for Students (= GAKUBAI) 16H
学生賠償責任保険 16H
ここに記載する内容につきましては、英語は参考表示であり、日本語が優先となります。
Comprehensive Insurance for Students/Children: with a special agreement for compensation for personal injury in daily life and a
special agreement on a partial change to expansion of entrusted item compensation, and Premises/Product Liability Insurance
日常生活個人賠償責任補償特約および受託品補償拡大型一部変更特約付帯学生・こども総合
保険、施設・生産物賠償責任保険
Underwriting insurance company: Mitsui Sumitomo Insurance Company, Limited (lead underwriter), Kyoei Fire and
Marine Insurance Company, Limited (non-administrator)
引受保険会社：三井住友海上火災保険株式会社（幹事）・共栄火災海上保険株式会社（非幹事）
Third party liability
日常生活（正課の講
義等を含む）におけ
る賠償事故
［国内・国外］
Compensated accidents
(personal rights
impingement damage)
and loss due to expenses
in regular courses of
study
[within/outside Japan]
正課の講義等に
おける賠償事故
（人格権侵害）
・費用損害
[国内・国外]
Graduation batch payment
1 year
2 years
3 years
4 years
5 years
6 years
¥1,780
¥3,120
¥4,470
¥5,800
¥7,150
¥8,070
over due to the strong wind, damaging a nearby car.
In the end, my friend had to pay tens of thousands of yen as compensation for the
damage. If he had taken out Personal Liability Insurance for Students, he would have
been able to get some coverage for the accident. I believe that this Personal Liability
Insurance for Students will be of great help to you if you should cause an accident
incurring liability, as long as it is not caused by driving your car or motorbike.
学生賠償責任保険 卒業予定年まで一括払い
The Japanese language version provided here shall take precedence over the English version hereof.
Compensated
accidents in daily life
(including regular
courses of study)
[within/outside Japan]
Personal Liability Insurance for Students
Recommendation for Personal Liability Insurance
for Students On one occasion, my friend got off his bicycle in front of a shop and the bicycle fell
他人に対する賠償責任
・Struck and injured a pedestrian while operating a bicycle.
・Collided with another person while skiing, causing the person to suffer a bone
fracture and require hospitalization. (Extra expenses benefits will be provided in the
case where the other party is hospitalized for 20 or more days)
・Caused damage to household property belonging to a person residing on a lower
level of the same building as a result of water leakage from your rented room.
○自転車で歩行者にぶつかりケガをさせた。
○スキーで衝突して相手が骨折し、入院した。
（相手が 20 日間以上入院
された場合には、別途、臨時費用保険金をお支払いします。）
○借用戸室で水もれを起こして、階下の人の家財に損害を与えた。
Liability for item borrowed from a third party
Liability for compensation for items borrowed from another person
他人から借用したものに対する賠償責任
・Dropped and broke a computer that was borrowed from the company
during an internship.
○インターンシップ（就業体験）中、就業体験先から借りたパソコンを床
に落として壊した。
Liability for impinging on another personʼs privacy or defaming another person
他人のプライバシー侵害や名誉毀（き）損に対する賠償責任
Costs for prevention or treatment of infection due to
accident during a regular course of study (expenses for
preventing infection accident damage)
医療関連実習等で発生した事故に伴う感染予防措置・治療に要した費
用（感染事故損害防止費用）
・Accidentally stuck the syringe needle being used on a patient into
your own hand during medical training and required treatment.
○臨床実習中に患者に使用した注射針を誤って自分に刺して感染してしま
い、
他人への感染のおそれが発生したため、
自身の感染の治療を行った。
Condolence gift for a third party (according to the injury level of the victim.)
他人に対するお見舞い
（被害者のケガの程度によります）
For other extraordinary expenses, refer to Page 17.
その他、
臨時費用は P17 参照
・Gave a get-well gift to a person whom you visited in the hospital as a result of that person having suffered a bone
fracture when you knocked him over or otherwise caused him to fall during a soccer game.
○サッカーの試合中、
転倒時に相手の足を骨折させたため、
見舞い時にお見舞品を渡した。
In the case where the policyholder dies as a result of injury
Payment to the legal heir of the policyholder
ケガにより加入者本人が亡くなられた場合
加入者
（被保険者）
の法定相続人へお支払い
You must apply for the number of years that will elapse until you graduate.
※必ず卒業までの年数での申込が必要です。
Premiums indicated above apply only to insurance taken out by April 29, 2016.
上記は2016年4月29日までにご加入いただい
た場合の保険料です。
Limit of 1
accident¥200,000,000
最高 1 事故
2 億円まで
In the event of accidental damage to
information, recorded in information
equipment, etc., entrusted to you during
class., within a regular course of study,
the limit of indemnity will be
¥5,000,000.
正課の講義等で受託した情報機器等の
記録情報の事故は５００万円を限度とし
ます。
Annual limit
¥5,000,000
年間 最高 500 万円まで
Annual limit
¥5,000,000
年間 最高 500 万円まで
Limit for one victim
¥500,000
(Limit for one accident ¥1,000,000)
被害者 1 名につき 最高 50 万円まで
（1 事故につき最高 100 万円まで）
¥100,000
10 万円
*Personal Liability Insurance for Students is not mutual insurance. Rather, it is a group agreement insurance product for which the administrative underwriting
insurance company is Mitsui Sumitomo Insurance Company, Limited.
※学生賠償責任保険は共済ではなく、
三井住友海上火災保険株式会社を幹事引受保険会社とする団体契約保険商品となります。
学生賠償責任保険のおすすめ
先日、友人がお店の前に自転車を止めておい
たら、強い風で自転車が倒れ、隣の車に傷を
つけ、数万円の弁償をしました。そのとき、学
生賠償責任保険に加入していたら、保障され
たはずです。車やバイクでの事故以外のさま
ざまな事故を起こした場合、学生賠償責任保
険が強い味方になってくれます。
Oita University
From China
劉
麗
大分大学
中国出身
For inquiries about Personal Liability Insurance for Students, please contact the
UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION/Insurance Support.
学生賠償責任保険に関するご質問は、
大学生協共済・保険サポー
トダイヤルまでお問い合わせください。
0120-335-770 (Toll-free) 〔通話料無料〕
Private settlement negotiation service attached
Limited to within Japan, and excluding cases of defamation and privacy impingement)
示談交渉サービス付き
（国内のみ。
名誉毀
（き）
損・プライバシー侵害事故を除く）
Out-of-court settlement negotiation services are services provided by an insurance company to handle negotiation
with the victim and settlement on behalf of the insured, after obtaining approval from the victim, in the event that the
insured under this insurance causes an accident. *As there are cases where out-of-court settlement negotiation
services may not be provided, please check the general insurance conditions /special agreement for further details.
示談交渉サービスとは、この保険の被保険者が加害者となったとき、被害者の同意を
得て被保険者に代わって保険会社が被害者と折衝し解決するサービスです。
※示談交渉をお引き受けできない場合もありますので、詳しくは普通保険約款・特約
をご確認ください。
With out-of-court settlement negotiation services
示談交渉サービス付き
Not only was I able to rest assured but my
counterparty also told me that it was very
reassuring to have someone professional serve
as a go-between.
自分もそうですが、相手
の方も、プロの方が間に
入ってくれることにとても
安心できましたと言われ
ました。
〈Office Hours〉 Monday to Friday 9：40〜17：00
Injury on-campus
正課の講義等における事故例
Official class
正課中
While using a laboratory instrument, I mistakenly
inserted a piece of paper and the fan caught up
the paper, resulting in damage to the instrument.
実験器具を使用中、誤って紙を入
れてしまい、
ファンが紙を巻き込ん
で破損してしまった。
Amount of insurance payment: 43,785 Yen
life
cident in daily
Example of ac ける事故例
お
に
日常生活
常活動
Daily life 日
d the
o someone an
I bumped int
the ground
While skiing,
person fell on
t
tha
by
ld
camera he
and broke.
り
か
た際、人にぶつ
ち
スキーをしてい
落
が
ラ
ていたカメ
その人が持っ
った。
て損傷してしま
8 Yen
e payment: 14,18
Amount of insuranc
Example of ac
cident in daily
life
日常生活にお
ける事故例
Water leakag
e 水もれ事故
Due to ins
ufficient water
removal, the
pipes in the
water
toilet and kit
chen froze an
causing dama
d bu
ge to the apart
ment downsta rst,
irs.
水抜き
が不十分だっ
たため、
トイレ
と台所の水道
管が凍結破裂
して、
階
下建物に損害
を出してしまっ
た。
e payment: 420,283
Yen
Example of accident in daily life
日常生活における事故例
常活動
Daily life 日
entally
ities, I accid
e group activ
.
dio
During danc
stu
ted
ss in the ren
broke the gla
スタ
の活動中、貸し
ダンスサークル
。
た
っ
ま
割ってし
ジオのガラスを
e payment: 130,000
こんな時に
お役に立ちます！
Amount of insuranc
life
cident in daily
Example of ac ける事故例
日常生活にお
Amount of insuranc
Personal Liability Insurance
for Students can
assist you in the
case of…
Yen
Bicycle accident
自転車事故
While riding a bicycle, I accidentally collided with
a person who had just got out of a taxi and
caused that person to fall and break an arm.
自転車走行中、
タクシーから降りて
きた相手と接触し、相手が転倒、手
を骨折させてしまった。
Amount of insurance payment: 1,173,949 Yen
Insurance payment will not be paid in any of the following cases.
下記のような場合は保険金はお支払いできません。
Attention please
ご注意ください！
＊ Liability for damage to third parties caused by cars or motorcycles (including
mopeds)
＊ In sporting activities, liability for compensation is shared by participants within the
scope of the conventional rules of the respective sport, given that such liability does
not become a legal issue.
＊ Liability for compensation comes under the responsibility of the university administration. (if individual students are not held legally responsible)
＊ ＊ Liability for damage suffered by the proprietor of rented accommodation (space
occupied by tenant), etc.
●自動車・バイク
（原付を含む）
による第三者への賠償責任
●スポーツ（通常のルールの範囲）における参加者間の賠償責任（法律上
の賠償責任自体が発生しない場合）
●大学の管理責任下での賠償責任
（法律上、
学生個人に責任がない場合）
●借用戸室の損壊について貸主に対する賠償責任 ……など
Only open to the student members of UNIV. CO-OP. 大学生協の学生組合員が加入できます。
●When jining please be sure to red pages 30-49.
10
●ご加入される場合は30〜49ページも必ずご一読ください。
または50ページをご参照ください。
Please access page 50 concerning premium.保険料については上記、
Q
Are family members covered for illness or accidents?
Does it cover damage to the property of a family
member or fire or water leakage caused by a family
member?
家族の病気や事故への保障はありますか？また、家族の持ち
物が損害を受けたときや家族が火災や水もれなどを起こした
ときの保障はありますか？
A
Student Mutual Comprehensive Insurance is only for student members. Family members are not insured.
学生総合共済は加入した本人のみの保障で､家族についての
保障はありません。
Q
A
Feedback
from
students who
have used the
settlement
negotiation
services
ス
示談サービ
を利用した
学生の声
As I was busy with club activities, I chose to ask for out-of-court
settlement negotiation services to handle almost everything
and, as a result, I personally did not have to bear any burden,
and my counterparty eventually forgave me. I really appreciate
the respectful way in which the case was professionally
handled. Thank you so much.
部活動で忙しいため、ほぼおまか
せさせて頂きましたが、こちらに
は一切負担無く、相手の方も許し
て下さり、丁寧に対応して頂き、
本当に助かりました。
ありがとうご
ざいました。
When the policyholder is faced with a problem in daily life
加入者が日常生活中にトラブルを抱えたときのために
*Anyone who has taken out Student Personal Liability Insurance
(gakubai) can use the following services.
※学生賠償責任保険にご加入いただいた方全
員が、
次のサービスをご利用いただけます。
Consultation at no charge
Life support service 生活サポートサービス ご相談無料
Using your phone, you can take advantage of a range of services
that are useful in daily life. These services are provided exclusively
for those who have taken out Comprehensive Insurance for
Students/Children, etc.* and members of their families living in
the same household. For further details, please contact the agent
in charge or the underwriting insurance company.
日常生活に役立つさまざまなサービスを電話にてご利用いただ
けます。
学生・こども総合保険などにご加入のお客さまとその同
居のご家族の方専用サービスです。
詳しくは、取扱代理店または
引受保険会社までお問い合わせください。
Health and medical care
健康・医療
■Consultation on Health/Medical Care
■Provision of comprehensive information about medical institutions, etc.
■健康・医療相談
■医療機関総合情報提供 等
■Consultation on Problems that Occur in Daily Life
Consultation on everyday living ■Consultation on Everyday Tax Matters
暮らしの相談
Nursing
介 護
■暮らしのトラブル相談
■暮らしの税務相談
■Provision of Information on Nursing Care
■Consultation on Concerns about Nursing Care, etc.
■介護に関する情報提供
■介護に関する悩み相談 等
■Consultation on Child Rearing (children aged up to 12 years)
Information offer and introduction service ■Provision of Information on Everyday Living, etc.
（１２才以下）
情報提供・紹介サービス ■子育て相談
■暮らしの情報提供 等
□ In addition, via the Health/Nursing Care Station on the Mitsui Sumitomo Insurance
Company website, we provide you with information on health, medical care and nursing care.
Accessibility to services is only available in Japanese. *For appropriate times for making
requests for services, and for the telephone number (toll-free), please refer to the notice on
your membership certificate.
.*These services may not be accessible through certain telephone lines. Also, the services can only be
accessed from within Japan. *Such services are provided by the affiliated service provider of the
underwriting insurance company. Depending on the contents, some consultations, such as that concerning foreign countries, may not be able to be dealt with.* Such services may be subject to change or
suspension without notice. We thank you in anticipation for your understanding.
□ 三井住友海上ホームページの「健康・介護ステーション」で
も健康･医療､介護に関する情報をご提供します。
＊サービスは日本語でのご利用に限ります。 ＊サービス受付
のご利用時間・電話番号（通話料無料）は、
ご加入後にお届けす
る加入者証の案内などをご覧ください。 ＊お使いの電話回線
により、
ご利用できない場合があります。
また、
ご利用は日本国
内からに限ります。 ＊本サービスは、引受保険会社の提携
サービス会社にてご提供します。
海外に関するご相談など、
ご相
談内容によってはご対応できない場合があります。 ＊本サー
ビスは予告なく変更･中止する場合がありますので、
あらかじめ
ご了承ください。
What if the expected date of graduation is postponed?
卒業の予定が変更になった場合はどうしたらよいのか？
Please consult the CO-OP, as soon as the postponement is finalized, about any
changes that need to be made to your policy. In the event of entry to graduate school,
etc., please follow the extension procedure (additional premium required).
変更が確定した時点で、生協の窓口に申し出て変更手続き
を行ってください。大学院などに進学する場合は卒業継続
の手続きを行ってください。
11
Outline of coverage Life Mutual Insurance
保障のあらまし
Coverage for hospitalization due to
illness
病気
生命共済
Cases in which a mutual
insurance money will be paid
Mutual insurance money that will
be paid
Main cases in which a mutual
insurance money cannot be paid
Cases in which a mutual
insurance money will be paid
Mutual insurance money that will
be paid
Main cases in which a mutual
insurance money cannot be paid
共済金をお支払いする場合
お支払いする共済金
共済金をお支払いできない主な場合
共済金をお支払いする場合
お支払いする共済金
共済金をお支払いできない主な場合
In the case of hospitalization during
the period of mutual insurance due
to an illness that developed on or
after the date of application for a
contract, an illness hospitalization
coverage mutual insurance money
will be paid for hospitalization during
that period of mutual insurance.
Points to note:
●Outpatient treatment due to illness
is not subject to coverage.
●In the event that a period of
hospitalization due to a different
illness overlaps, a duplicate mutual
insurance money will not be paid
for that period.
●In the event that a period of hospitalization due to illness overlaps
a period of hospitalization due to
an accident, a duplicate mutual
insurance money will not be paid.
An illness hospitalization coverage
mutual insurance money will be
paid by multiplying the amount of
the illness hospitalization coverage
mutual insurance money by the
number of days of hospitalization.
* The number of days of hospitalization will be from the date of
hospitalization until the date of
discharge approved by a physician.
●Payment of an illness hospitalization coverage mutual insurance
money is limited to 200 days for
an illness for one reason, but in
the event that hospitalization due
to the same reason exceeds the
number of days of the limit, an
illness hospitalization coverage
mutual insurance money with a
new limit of 200 days will be paid
for hospitalization from the date
after the number of days of the
limit until after 160 days have
passed.
●Hospitalization outside the period
of mutual insurance
●Hospitalization due to an illness
that had already developed when
the application for a contract
was made or an illness that was
disclosed (excluding illnesses that
developed after one year passed
after a new contract application)
●The deliberate intention of the
party to the contract
●The mutual insurance policyholder s deliberate intention, gross
negligence, criminal action,
suicidal action, or personal fight
●Things for which there is no
medical objective opinion, such
as cervical syndrome (so-called
whiplash), lower-back pain, or
backaches
●Hospitalization that is not subject
to treatment benefits or treatment
expenses under health insurance
In the case of an injury directly
caused by an unintended accident
(*1) that occurred during the period
of mutual insurance and hospitalization within 180 days after the date
of the accident, an accident hospitalization coverage mutual insurance
money will be paid for hospitalization
during the mutual insurance period.
Points to note:
●In the event that a period of
hospitalization due to a different
accident overlaps, a duplicate
mutual insurance money will not
be paid for that period.
●In the event that a period of
hospitalization due to illness and
a period of hospitalization due to
an accident overlap, a duplicate
mutual insurance money will not
be paid.
契約のお申込み日の翌日以降に発病
した病気を原因として共済期間中に
入院された場合、その共済期間中の
入院について病気入院保障共済金を
支払います。
ご注意
●病気による通院は保障の対象では
ありません。
●異なる病気により入院期間が重複
する場合は、その期間については
重複して共済金を支払いません。
●病気による入院期間と事故による
入院期間が重複する場合は、重複
して共済金を支払いません。
病気入院保障共済金額に入院日数を
乗じて病気入院保障共済金を支払い
ます。
※入院日数は、入院した日から医師
が認定した退院日までとします。
●病気入院保障共済金の支払は１事
由の病気につき200日限度です
が、同一事由による入院が限度日
数を超える場合、限度日数の翌日
から起算して160日を経過した後
の入院については、新たに200日
を限度とする病気入院保障共済金
を支払います。
●共済期間外の入院。
●契約のお申込み時に発病していた
病気、告知を行っていた病気によ
る入院（新規契約申込み後1年を経
過したものを除く）。
●契約者の故意。
●被共済者の故意、重大な過失、犯
罪行為、自殺行為、私闘。
●頸部症候群（いわゆる「むちうち
症」）または腰痛、背痛等で医学
的他覚所見のないもの。
●健康保険の療養の給付、または療
養費の対象とならない入院。
●Hospitalization due to an unintended accident (*1) that occurred
outside the period of mutual
insurance
●The deliberate intention of the
party to the contract
●The mutual insurance policyholder s deliberate intention, gross
negligence, criminal action,
suicidal action, or personal fight
●Things that occurred due to driving
without a license or without
qualifications, driving while under
the influence of alcohol or while
dependent on drugs, or due to violation of the speed limit, ignoring a
traffic light, or entering a blocked
railroad crossing
●Things for which there is no
medical objective opinion, such
as cervical syndrome (so-called
whiplash), lower-back pain, or
backaches
●Hospitalization that is not subject
to treatment benefits or treatment
expenses under health insurance
In the event that a residual disability
that was caused by an illness that
developed on or after the date of application for a contract occurs during
the period of mutual insurance, an
illness serious residual disability coverage mutual insurance money will
be paid.
Points to note:
●In the event that a mutual
insurance policyholder who already
had a residual disability at the time
of the contract has incurred an
aggravated disability in the same
place during the period of mutual
insurance, payment will be made
after subtracting the prescribed
amount from the residual disability
coverage mutual insurance money.
In the event that a residual disability
of class 1 through class 3 of the
Appendix 1 Table of ratios of
payments for classes of residual disabilities stipulated in the short-term
life mutual insurance undertakings
contract has occurred, 100% to
90% of the illness serious residual
disability coverage mutual insurance
money amount will be paid in
accordance with that class.
●Serious residual disabilities due to
illness that occurred outside the
period of mutual insurance
●Residual disabilities due to an
illness that had already developed
when the application for a contract
was made or an illness that was
disclosed (excluding residual disabilities that developed after one
year passed after a new contract
application)
●The deliberate intention of the
party to the contract
●The mutual insurance policyholder s deliberate intention, gross
negligence, criminal action,
suicidal action, or personal fight
An accident hospitalization coverage
mutual insurance money will be paid
by multiplying the amount of the
accident hospitalization coverage
mutual insurance money by the
number of days of hospitalization.
* The number of days of hospitalization will be from the date of
hospitalization until the date of
discharge approved by a physician.
●Payment of an accident hospitalization coverage mutual insurance
money is limited to 200 days
for hospitalization of 180 days
or less for one reason, but when
re-hospitalization for the same
reason has begun within 160 days
after discharge, it will be deemed
hospitalization for one reason,
and the limit will be a total of 200
days.
●Even when re-re-hospitalization
for the same reason has begun
within 160 days after discharge
from re-hospitalization, it will be
deemed hospitalization for one
reason, and the limit will be a total
of 200 days.
●When 360 days have passed
since the date of an accident,
for hospitalization for which
the 200 days of the limit of the
number of days for payment for
accident hospitalization have
been exceeded, it will be deemed
hospitalization due to illness,
and a hospitalization coverage
mutual insurance payment with
a new limit of 200 days will be
paid.
(＊1)
●共済期間外に発生した不慮の事故
(＊1)
による入院。
●契約者の故意。
●被共済者の故意、重大な過失、犯
罪行為、自殺行為、私闘。
●無免許、無資格運転、酒気帯び若
しくは薬物依存等による運転、最
高速度違反、信号無視、遮断中踏
切内進入により生じたもの。
●頸部症候群（いわゆる「むちうち
症」）または腰痛、背痛等で医学
的他覚所見のないもの。
●健康保険の療養の給付、または療
養費の対象とならない入院。
契約のお申込み日の翌日以降に発病
した病気を原因として共済期間中に
後遺障害が生じた場合、病気重度後
遺障害保障共済金を支払います。
ご注意
●ご契約時にすでに後遺障害の状態
にあった被共済者が、共済期間中
に同一部位に加重して障害を負っ
た場合は、所定の金額を後遺障害
保障共済金より差し引いて支払い
ます。
短期生命共済事業規約に定める別表
第１「後遺障害等級別支払割合表」
の1級から3級の後遺障害が生じた場
合は、その等級に応じて「病気重度
後遺障害保障共済金額」の100%か
ら90%を支払います。
●共済期間外に生じた病気重度後遺
障害。
●契約のお申込み時に発病していた
病気、告知を行っていた病気によ
る後遺障害（新規契約申込み後1年
を経過したものを除く）。
●契約者の故意。
●被共済者の故意、重大な過失、犯
罪行為、自殺行為、私闘。
事故入院保障共済金額に入院日数を
乗じて事故入院保障共済金を支払い
ます。
※入院日数は、入院した日から医師
が認定した退院日までとします。
●事故入院保障共済金の支払は、1事
由の事故につき事故日から180日
以内の入院開始に対し200日限度
ですが、退院後160日以内に同一
事由による再入院を開始したとき
は1事由の入院と見なし通算して
200日を限度とします。
●再入院の退院後160日以内に同一
事由による再々入院を開始したと
きも1事由の入院と見なし通算して
200日を限度とします。
●事故日から360日を経過し、かつ
事故入院支払限度日数200日を超
えての入院については、病気入院
とみなし新たに200日を限度とす
る入院保障共済金を支払います。
入院保障
Coverage for residual
disability due to
illness
病気
後遺障害保障
12
Coverage for hospitalization due to
accident
事故
入院保障
共済期間中に発生した不慮の事故
を直接の原因としてケガをし、事故
の日から180日以内に入院された場
合は、共済期間中の入院に対して、
事故入院保障共済金を支払います。
ご注意
●異なる事故により入院期間が重複
する場合は、その期間については
重複して共済金を支払いません。
●病気による入院期間と事故による
入院期間が重複する場合は、重複
して共済金を支払いません。
13
Coverage for outpatient treatment due
to an accident
事故
通院保障
Coverage for residual
disability due to
accident
事故
後遺障害保障
14
Cases in which a mutual
insurance money will be paid
Mutual insurance money that will
be paid
Main cases in which a mutual
insurance money cannot be paid
Cases in which a mutual
insurance money will be paid
Mutual insurance money that will
be paid
Main cases in which a mutual
insurance money cannot be paid
共済金をお支払いする場合
お支払いする共済金
共済金をお支払いできない主な場合
共済金をお支払いする場合
お支払いする共済金
共済金をお支払いできない主な場合
In the event that an injury was
incurred as a direct result of an
unintended accident (*1) that
occurred during the mutual insurance
period, hospitalization or outpatient
treatment began within 180 days
after the date of the accident,
and the number of days for only
outpatient treatment or the total
number of days for hospitalization
and outpatient treatment was five
days or more, an accident outpatient
treatment coverage mutual insurance
money will be paid, beginning on
the first day, for outpatient treatment
from the date of the accident up to
360 days.
Points to note:
●Except for days of hospitalization
or days of outpatient treatment,
treatment using a fixation device
will be calculated as one day of
outpatient treatment for two days
of the fixation period.
●Outpatient treatment for procedures by a judo bonesetter will be
allowed, limited to dislocations,
broken bones, bruises, and
sprains.
●Outpatient treatment for
procedures by someone, such as
an acupuncturist will be allowed,
limited to cases in which a
physician has given instructions.
An accident outpatient treatment
coverage mutual insurance money
will be paid by multiplying the
amount of the accident outpatient
treatment coverage mutual insurance
money by the number of days of
outpatient treatment.
Provided, however, that there will be
a limit of 90 days for one instance of
an accident for the same reason.
●The number of days of outpatient
treatment will be up to the time
when recovery has been made
to the extent that there is no
hindrance to ordinary daily life or
work.
●Even if outpatient treatment is
conducted multiple times on the
same day, the number of days of
outpatient treatment will be one
day.
●The number of days of fixation
calculation will be included in
the 90-day limit for the number of
days.
●The same content as the main
cases in which a mutual insurance
money cannot be paid for the
accident hospitalization coverage
of the previous clause
●An accident outpatient coverage
mutual insurance money will
not be paid for use of a fixation
device for outpatient treatment
during a hospitalization period
or on a date of hospitalization or
outpatient treatment. In addition,
an accident outpatient coverage
mutual insurance money will not
be paid for fixation devices that
fall under the things below.
・When there is internal fixation or
external skeletal fixation due to
surgery
・When a fixation device is attached
to only the third, fourth, or fifth finger
of the hand
・When a fixation device is attached
to only a toe, the nose, or a tooth
共済期間中に発生した不慮の事故(＊1)
を直接の原因してケガをし、事故の
日から360日以内に後遺障害が生じ
た場合は、事故後遺障害保障共済金
を支払います。
ご注意
●事故の日から360日を超えてもな
お治療が必要な場合には、事故の
日から361日目における医師の診
断により後遺障害の程度を認定し
て、事故後遺障害保障共済金を支
払います。
短期生命共済事業規約に定める別表
第1「後遺障害等級別支払割合表」の
1級から14級の後遺障害が生じた場
合は、その等級に応じて「事故後遺
障害保障共済金額」の100%から4%
を支払います。
●共済期間外に発生した不慮の事故(＊1)
による後遺障害。
●契約者の故意。
●被共済者の故意、重大な過失、犯
罪行為、自殺行為、私闘。
●無免許、無資格運転、酒気帯び若
しくは薬物依存等による運転、最
高速度違反、信号無視、遮断中踏
切内進入により生じたもの。
In the event that, during a period
of hospitalization that is subject to
payment of an illness hospitalization
coverage mutual insurance payment
or an accident hospitalization coverage mutual insurance payment, a
surgery stipulated by the UNIVERSITY CO-OPERATIVES MUTUAL AID
FEDERATION in the list of surgeries
was undergone for the purpose of
treatment of the illness that caused
that hospitalization, the amount of a
surgery coverage mutual insurance
payment will be paid. Even if it is a
surgery conducted through outpatient
treatment, there are cases in which
payment can be made.
The amount of a surgery coverage
mutual insurance payment will be
paid for one instance of surgery.
●In the cases below, even when
multiple surgeries have been
undergone, it will be deemed one
instance of surgery.
(1)Even if surgery is conducted
multiple times, in the event that
the medical institution approves
it as one instance of surgery, it
will be deemed one instance of
surgery.
(2)Surgeries that were conducted on
the same day
●Surgeries other than those in the
Appendix 3 List of surgeries stipulated in the short-term life mutual
insurance undertakings contract
(specific examples: examinations,
eyesight improvement surgeries,
suturing of wounds, tooth
extractions, and plate removals,
etc.)
●Surgeries conducted during periods of hospitalization in which an
accident hospitalization coverage
mutual insurance payment will not
be paid
●Surgeries that are not directly for
the purpose of treatment of an
illness or injury, even if they are
surgeries that were conducted
during a period of hospitalization
subject to payment
共済期間中に発生した不慮の事故（＊1）
を直接の原因としてケガをし、事故
の日から180日以内に入院または通
院を開始され、通院のみの日数また
は入院と通院の合計日数が5日以上に
なった場合は、事故の日から360日
以内の通院について、1日目から事故
通院保障共済金を支払います。
ご注意
●固定具を用いる治療は、入院日お
よび通院日を除く固定期間２日を
通院１日と算定します。
●脱臼、骨折、打撲、捻挫に限り柔
道整復師の施術を通院と認めま
す。
●医師の指示がある場合に限り鍼灸
師等の施術を通院と認めます。
事故通院保障共済金額に通院日数を
乗じて事故通院保障共済金を支払い
ます。
ただし、同一事由かつ1回の事故につ
いて90日を限度とします。
●通院日数は、平常の生活または業
務に支障がない程度に治ったとき
までとします。
●同一日に複数回の通院があっても
通院日数は１日です。
●限度日数90日には固定算定日数を
含みます。
病気入院保障共済金および事故入院
保障共済金のお支払いの対象となる
入院期間中に、その入院の原因と
なった病気やケガの治療を目的とし
て、全国大学生協共済生活協同組合
連合会が「手術一覧表」に定める手
術を受けた場合は、手術保障共済金
額を支払います。なお、通院による
手術であっても、お支払いできる場
合があります。
手術1回につき、手術保障共済金額を
支払います。
●次の場合は複数の手術を受けたと
きでも、1つの手術とみなします。
①複数回の手術でも医療機関が「1回
の手術」と認定の場合は、1回の手
術とみなします。
②同日に施行された手術。
●短期生命共済事業規約に定める別
表第３「手術一覧表」以外の手術
（具体例：検査、視力回復術、傷
口の縫合、抜歯、プレート除去
等）。
●事故入院保障共済金をお支払いし
ない入院期間中に行った手術。
●支払対象入院期間中に行った手術
であっても、病気やケガの治療を
直接の目的としない手術。
In the event that an injury was
incurred as a direct result of an unintended accident (*1) that occurred
during the mutual insurance period,
and a residual disability has occurred
within 360 days after the date of
the accident, an accident residual
disability coverage mutual insurance
money will be paid.
Points to note:
●In the event that treatment is necessary even when more than 360
days have passed since the date
of the accident, the extent of the
residual disability will be approved
through diagnosis by a physician
on the 361st date after the date
of the accident, and an accident
residual disability coverage mutual
insurance payment will be paid.
In the event that a residual disability
of class 1 through class 14 of
the Appendix 1 Table of ratios of
payments for classes of residual disabilities stipulated in the short-term
life mutual insurance undertakings
contract has occurred, 100% to 4%
of the accident residual disability
coverage mutual insurance money
amount will be paid in accordance
with that class.
In the event of death during the
mutual insurance period that was
caused by an illness that developed
on or after the date of application for
the contract, or in the event of death,
directly caused by an unintended
accident (*1) that occurred during
the mutual insurance period, during
the mutual insurance period or
within 360 days after the date of the
accident, a death coverage mutual
insurance payment will be paid.
Points to note:
●In the event that a residual
disability coverage mutual
insurance payment has already
been paid, the amount that results
from subtracting the amount of
the residual disability coverage
mutual insurance payment that
has already been paid from the
death coverage mutual insurance
payment will be paid as the death
mutual insurance payment.
A death coverage mutual insurance
payment will be paid.
●In the event of death during the
mutual insurance period that was
caused by something other than
illness or an unintended accident
(*1) (in the case of suicide), the
amount that is one-half of the
amount of the death coverage
mutual insurance will be paid.
●In the event of death due to an
illness that had developed at
the time of application for the
contract or an illness that was not
disclosed (excluding things that
developed after one year passed
after a new contract application)
●The deliberate intention of the
party to the contract
●The deliberate intention or gross
negligence of the person receiving
the mutual insurance payment
●The mutual insurance policyholder s criminal action or personal
fight
●Things that occurred due to driving
without a license or without
qualifications, driving while under
the influence of alcohol or while
dependent on drugs, or due to violation of the speed limit, ignoring a
traffic light, or entering a blocked
railroad crossing
Coverage for residual
disability due to
accident
事故
後遺障害保障
Coverage for surgery
手術保障
●前項の事故入院保障の「共済金を
お支払いできない主な場合」と同
一内容です。
●入院期間中の通院および入院、通
院日の固定具の使用については、
事故通院保障共済金を支払いませ
ん。また、以下に該当する固定具
については、事故通院保障共済金
を支払いません。
・手術により内固定、創外固定した
とき
・固定具を手指のうち第Ⅲ指、第Ⅳ
指または第Ⅴ指のみに装着したと
き
・固定具を足指、鼻、歯のみに装着
したとき
●Residual disability due to an
unintended accident (*1) that
occurred outside the period of
mutual insurance
●The deliberate intention of the
party to the contract
●The mutual insurance policyholder s deliberate intention, gross
negligence, criminal action,
suicidal action, or personal fight
●Things that occurred due to driving
without a license or without
qualifications, driving while under
the influence of alcohol or while
dependent on drugs, or due to violation of the speed limit, ignoring a
traffic light, or entering a blocked
railroad crossing
Coverage for death of
the party to the
contract
本人の死亡保障
15
Coverage for death of
the party to the
contract
本人の死亡保障
Cases in which a mutual
insurance money will be paid
Mutual insurance money that will
be paid
Main cases in which a mutual
insurance money cannot be paid
共済金をお支払いする場合
お支払いする共済金
共済金をお支払いできない主な場合
契約のお申込み日の翌日以降に発病
した病気を原因として共済期間中に
亡くなられた場合、または共済期間
中に発生した不慮の事故 （＊1） を直接
の原因として、共済期間中若しくは
事故の日から360日以内に亡くなら
れた場合は、死亡保障共済金を支払
います。
ご注意
●すでに後遺障害保障共済金のお支
払いがされている場合は、死亡保
障共済金の額から、すでにお支払
いした後遺障害保障共済金の額を
差し引いた額を死亡保障共済金と
して支払います。
死亡保障共済金を支払います。
●病気や不慮の事故 （＊1） 以外の原因
（自殺の場合）により共済期間中
に亡くなられた場合、死亡保障共
済金額の2分の1の金額を支払いま
す。
●契約のお申込み時に発病していた
病気、告知を行っていた病気によ
り亡くなられた場合（新規契約申
込み後1年を経過したものを除
く）。
●契約者の故意。
●共済金受取人の故意、重大な過
失。
●被共済者の犯罪行為、私闘。
●無免許、無資格運転、酒気帯び若
しくは薬物依存等による運転、最
高速度違反、運転中の信号無視、
遮断中踏切内進入により生じたも
の。
In the event that a parent (excluding
the parents of a spouse) or a benefactor has died during the period of
mutual insurance, mutual insurance
money with the special contract for
parent's/benefactor's death payment
amount will be paid for each person.
The amount of mutual insurance
money with the special contract for
parent's/benefactor's death payment
will be paid for the one relevant
person.
●Death of a parent or benefactor
outside the period of mutual
insurance
●The mutual insurance policyholder s deliberate intention or gross
negligence
●The deliberate intention or gross
negligence of the person receiving
the mutual insurance money
●A criminal action by the party to
the contract, the mutual insurance
policyholder, the person receiving
the mutual insurance money, or a
benefactor
父母（配偶者の父母を除きます。）
または扶養者が共済期間中に亡くな
られた場合は、1名ごとに父母扶養者
死亡特約共済金額を支払います。
該当者1名につき父母扶養者死亡特約
共済金額を支払います。
●共済期間外の父母、扶養者の死
亡。
●被共済者の故意、重大な過失。
●共済金受取人の故意、重大な過
失。
●契約者、被共済者、共済金受取
人、扶養者の犯罪行為。
Coverage for death of
a parent or benefactor
父母扶養者死亡保障
Coverage for death of
a benefactor due to
an accident
扶養者事故死亡保障
16
In the event that a benefactor registered in the contract (hereinafter
referred to as the Benefactor )
has died within 360 days after an
accident and during the period of
mutual insurance as a direct result
of an unintended accident (*1)
that occurred during the period of
mutual insurance, mutual insurance
money with the special contract for
benefactor's death from accident
payment amount will be paid.
Points to note:
The cases below are not subject to
coverage.
●When the Benefactor died due to
a cause other than an unintended
accident (*)
●When the Benefactor died due to
illness
JPY 5,000,000 will be paid in a
lump sum or in portions, as a mutual
insurance money with the special
contract for benefactor's death from
accident payment amount. Payment
of the mutual insurance money for
this special stipulation is for one
mutual insurance policyholder, and
is limited to one time throughout the
mutual insurance periods for all life
mutual insurance contracts.
契約により登録された扶養者（以
下、扶養者といいます。)が、共済期
間中に発生した不慮の事故(＊1)を直接
の原因として、事故の日から360日
以内かつ共済期間中に亡くなられた
場合は、扶養者事故死亡特約共済金
額を支払います。
ご注意 下記の場合は保障の対象とな
りません。
●不慮の事故 （＊1） 以外の原因により
扶養者が亡くなられた場合。
●病気により扶養者が亡くなられた
場合。
扶養者事故死亡特約共済金額として
500万円を一括または分割して支払
います。なお、この特約での共済金
のお支払いは、１人の被共済者に対
して、すべての生命共済契約の共済
期間を通じて１回限りです。
Outline of coverage Mutual Insurance for Fire
保障のあらまし
Compensation
coverage
賠償保障
火災共済
Damage of
household
property due to
fire, water
exposure, wind
or flood
damage, etc.
家財の火災、
水ぬれ、風水害
など
Mutual insurance money that
will be paid
共済金をお支払いする場合
お支払いする共済金
●The deliberate intention of the
party to the contract
●The mutual insurance policyholder s deliberate intention,
insanity, or instructions
●Construction such as renovation,
addition, or demolition
●In the event that there is a
special agreement related
to damage compensation
between the mutual insurance
policyholder and the lender, the
compensation liability that is
weighted under that agreement
●Damage to the rented residence
that was discovered by the
lender after the person has
moved from the rented residence
●A wind disaster such as a
typhoon, whirlwind, windstorm,
or rainstorm, or a snow disaster
such as a hailstorm, heavy
snowfall, or snow avalanche
●An earthquake or eruption,
or a tsunami caused by an
earthquake or eruption
●The rented residence s defect,
corrosion, rust, mold, or other
natural wear and tear or aging
●共済期間中に被共済者の過失に
より火災、破裂／爆発、給排水
設備等からの水もれ、水ぬれ事
故を起し、借用戸室に損害を与
え、貸主（大家）に対して法律
上の損害賠償責任を負う場合
に、借家人賠償責任保障共済金
を支払います。
●水道管の凍結破裂による漏水等
の事故は、被共済者にその責任
があると認められる場合のみ、
共済金を支払います。
損害賠償金額を支払います。
●契約者の故意。
●被共済者の故意、心神喪失、指図。
●改築、増築、取り壊し等の工事。
●被共済者と貸主との間で、損害賠
償に関する特別の約定がある場
合、その約定により加重された賠
償責任。
●貸主に借用戸室を引き渡した後に
発見された借用戸室の損壊等。
●台風、旋風、暴風、暴風雨等の風災、
ひょう災、豪雪、雪崩等の雪災。
●地震、噴火、またはこれらによる
津波。
●借用戸室の欠陥、腐食、さび、かび、
その他の自然消耗、老朽化等。
●In the event that household
goods possessed by the mutual
insurance policyholder and
kept in the rented residence
were damaged due to a natural
disaster such as a fire, lightning
strike, rupture, explosion,
human-caused disaster from
outside the building, or water exposure or wind or flood damage
due to a water leak, discharged
water, or overflowed water from
plumbing equipment or another
apartment that occurred during
the period of mutual insurance,
a fire coverage mutual insurance
money will be paid.
●Household goods that are
subject to a fire coverage
The amount of damages (reacquisition cost) will be paid.
* Provided, however, that the
amount of the fire coverage
mutual insurance money will be
the limit.
In addition, for things for which
repair or cleaning is possible, it
will be those actual expenses.
●When this company has
approved that the household
goods are a complete loss
(destroyed by fire or completely
destroyed), JPY 200,000 will
be paid for one accident as an
extraordinary expense mutual
insurance money.
●Expenses that are beneficial
and necessary for preventing
借家人賠償責任
保障
Coverage of
household
property
家財の保障
Main cases in which a mutual
insurance money cannot be
paid
共済金をお支払いできない主な場合
The amount of compensation for
damage will be paid.
* The amount of the tenant
compensation liability coverage
mutual insurance money will be
the limit for one accident.
* In the event that something, such
as a lawsuit against the lender has
become necessary, for lawsuit expenses for which the UNIVERSITY
CO-OPERATIVES MUTUAL AID
FEDERATION s written agreement
has been obtained those expenses
will be paid separately from
the aforementioned payment of
damage compensation.
* In the event that there is another
mutual insurance or insurance
contract, the amount that results
from proportionally dividing the
amount of damages with that
mutual insurance will be paid.
●In the event that due to the
mutual insurance policyholder s
negligence during the mutual
insurance period a rupture,
explosion, water leakage from
something, such as plumbing
equipment, or a water exposure
accident has been caused, the
rented residence has been damaged, and the mutual insurance
policyholder is liable under a
law to compensate the lender
(landlord) for damage, a tenant
compensation liability coverage
mutual insurance money will be
paid.
●As for accidents of water leaks
due to the freezing and rupturing of water pipes, a mutual
insurance money will be paid
only in cases in which it can
be recognized that the mutual
insurance policyholder is liable.
Tenant compensation liability
coverage
●An unintended accident that
occurred outside the period of
mutual insurance In the event
that the Benefactor has died due
to (*1)
●The deliberate intention of the
party to the contract or the mutual
insurance policyholder
●The Benefactor s deliberate intention, gross negligence, suicidal
action, or personal fight
●The deliberate intention or gross
negligence of the person receiving
the mutual insurance money
●A criminal action by the party to
the contract, the mutual insurance
policyholder, the person receiving
the mutual insurance money, or
the Benefactor
●共済期間外に発生した不慮の事故(＊1)
により扶養者が亡くなられた場合。
●契約者、被共済者の故意。
●扶養者の故意、重大な過失、自殺
行為、私闘。
●共済金受取人の故意、重大な過
失。
●契約者、被共済者、共済金受取
人、扶養者の犯罪行為。
Cases in which a mutual
insurance money will be paid
※1回の事故につき借家人賠償責任
保障共済金額が限度となりま
す。
＊貸主との間に訴訟等が必要と
なった場合、全国大学生協共済
生活協同組合連合会から書面に
より同意を得た訴訟費用等につ
いては、上記の損害賠償金とは
別にその費用を支払います。
＊他の共済や保険の契約がある場
合、被害額をそれらの共済等と
按分した額を支払います。
●The deliberate intention, gross
negligence, or violation of a law
or ordinance by the party to the
contract or the mutual insurance
policyholder
●The deliberate intention of the
party entrusted with using or
managing the household goods
or a family member of the
mutual insurance policyholder
●Loss or theft in the event of a
fire or wind or flood damage
●Damage caused by a fire or wind
or flood damage that occurred
due to an incident such as war,
exercise of military force by a
foreign country, or civil strife
●Damage caused by an
earthquake or eruption, or by
17
Damage of
household
property due to
fire, water
exposure, wind
or flood
damage, etc.
家財の火災、
水ぬれ、風水害
など
Coverage for
theft
盗難保障
18
Coverage of
household
property
家財の保障
Cases in which a mutual
insurance money will be paid
Mutual insurance money that
will be paid
共済金をお支払いする場合
お支払いする共済金
mutual insurance money are
the occurrence and spread
limited to household goods
of damage will be paid as a
that are owned by the mutual
damage prevention expense.
insurance policyholder and that ●In the event that damage was
are located within the rented
due to the action of a third party
residence or within the same
and damage compensation was
building zone as the rented
received, a mutual insurance
residence.
money will be paid after the
Points to note:
amount of that compensation
has been subtracted.
The things below are not included
in household goods for household
goods coverage.
①Currency, negotiable securities,
savings deposit certificates,
ATM cards, credit cards, etc.
②tCommuter passes, airplane
tickets, passports, etc.
③Manuscripts, designs, and
diagrams, etc.
④Precious metals, jewels, and
antique calligraphy, etc.
⑤Ships and automobiles (Automobiles include motorcycles and
automatic tricycles. ◆Motorized
bicycles (*5) are household
goods subject to household
goods coverage.)
⑥Animals and plants
Main cases in which a mutual
insurance money cannot be
paid
共済金をお支払いできない主な場合
a tsunami or wind or flood
damage, etc. caused by an
earthquake or eruption
Coverage of
stolen household property
盗難家財保障
●共済期間中に発生した火災、落雷、 損害額
（再取得価額）
を支払います。 ●契約者、被共済者の故意、重大な
破裂／爆発、建物の外部からの人 ※ただし、火災保障共済金額が限度と
過失、法令違反。
為的災害、給排水設備や他の部
なります。
また、修理、
クリーニングが ●家財の使用若しくは管理を委託され
屋からの漏水、放水、溢水による
た者、
または被共済者の親族の故
可能なものはその実費となります。
水ぬれ、風水害等の自然災害によっ ●家財が全損（全焼、全壊）
と当会が
意。
て、借用戸室内に収容されている
認定したときは、臨時費用共済金と ●火災等、風水害等の際の紛失、盗
被共済者の所有する家財が損害を して1回の事故につき、20万円を支
難。
受けた場合に、火災保障共済金を
払います。
●戦争、外国の武力行使内乱等の事
支払います。
変によって発生した火災、風水害等
●損害の発生および拡大の防止に必
●火災保障共済金の対象となる家財
要、
かつ有益な費用を損害防止費
による損害。
は、被 共 済 者の借 用 戸 室、借 用
●地震、噴火、
またはこれらによる津
用として支払います。
戸室と同一の建物区画内に所在 ●損害が第三者の行為によるもので、 波、火災、風水害等による損害。
し、被共済者の所有する家財に限
損害賠償を受けた場合は、
その賠償
ります。
額を差し引いたうえで、共済金を支払
ご注意 次のものは家財保障の家財
います。
に含みません。
①通貨、有価証券、預貯金証書、
ＡＴ
Ｍカード、クレジットカード等②定期券、
航空券、パスポート等③稿本、設計書、
図 案 等④貴 金 属、宝 石、書 画 骨 董
等⑤船舶および自動車（自動車には
自動二輪車および自動三輪車を含みま
す。
◆原動機付自転車 (＊5) は家財保障
の対象家財です。
）
⑥動物および植物
Coverage of
stolen household property
盗難家財保障
●For damage by which household
goods owned by the mutual
insurance policyholder within
the rented residence were
stolen, damaged, or defaced
due to a theft accident (*2)
that occurred during the period
of mutual insurance, a stolen
household property coverage
mutual insurance money will be
paid.
* Includes damage due to stalker
actions (*3)
●When the ordinarily used
bicycle (Motorized bicycles (*5)
are not subject to coverage.
In addition, only parts that a
bicycle is composed of or parts
that were attached after the
bicycle was purchased are not
subject to coverage.) of the
mutual insurance policyholder
The amount of damages (the cost
for reacquisition) will be paid.
* Provided, however, that it will be
limited to the amount of the stolen
household goods coverage mutual
insurance money.
●For bicycle theft damage,
the amount that results from
subtracting JPY 5,000 from the
amount of damages (the cost
for reacquisition) will be paid.
Provided, however, that the
amount of damages (the cost
for reacquisition) will be limited
to JPY 30,000.
Ex: In the event that the amount
of damages (the cost for
reacquisition) is JPY 35,000,
the cost for reacquisition will be
limited to a maximum amount of
JPY 30,000.
The mutual insurance money
The deliberate intention or gross
negligence of the party to the
contract or the mutual insurance
policyholder
The deliberate intention of a
party entrusted with the use or
management for the purpose of
the mutual insurance or a family
member of the mutual insurance
policyholder; Provided, however,
that this excludes cases in which
that person did not have an
objective of having the mutual
insurance policyholder obtain a
mutual insurance money.
Damage to household goods that
were not kept within the rented
residence at the time the theft
accident occurred
Damage to things that are not
owned by the mutual insurance
policyholder
Coverage for
theft
盗難保障
Coverage of
stolen cash
盗難現金保障
Cases in which a mutual
insurance money will be paid
Mutual insurance money that
will be paid
共済金をお支払いする場合
お支払いする共済金
that was kept in locked storage
in an exclusive bicycle parking
place (*4) established on the
site of the rented residence has
been stolen, a stolen household
goods coverage mutual
insurance money will be paid
for a portion of the damage.
Points to note:
●It is necessary to submit a
notification of theft to the police
station that has jurisdiction.
●The things below are not included in household goods for stolen
household goods coverage.
Same as the things below are
not included in household goods
for household goods coverage
in the Coverage of Household
Property section.
that will be paid will be the
amount of damages (the cost
for reacquisition) (JPY 30,000)
minus JPY 5,000 (the cost to
be borne by the individual),
which will result in JPY 25,000.
Main cases in which a mutual
insurance money cannot be
paid
共済金をお支払いできない主な場合
Theft in times of fire or wind or
flood damage
Theft or loss in times of an
earthquake, eruption, or tsunami
Theft in times of an incident, riot,
or disturbance such as a war, exercise of military force, revolution,
or civil strife
Loss
Theft of a bicycle in a place other
than an exclusive bicycle parking
place established on the site of
the rented residence
●共済期間中に発生した盗難事故(＊2)
により、借用戸室の中の被共済者
所有の家財が盗取、
き損、汚損され
た損害について盗難家財保障共済
金を支払います。
※ストーカー行為による損害(＊3)を含み
ます。
●借用戸室の敷地内に併設された専
用の駐輪場所(＊4)に施錠保管された
被共済者の常用の自転車（原動機
付自転車 (＊5)は保障対象外です。
ま
た、
自転車を構成する部品や車体購
入後に装着した部品のみの盗難は
保障対象外です。）
が盗取されたとき
は、
その損害の一部について盗難家
財保障共済金を支払います。
ご注意
●所轄警察署への盗難の届出が必要
です。
●次のものは盗難家財保障の家財に
含みません。
家財の保障の「次のものは家財保
障の家財に含みません」
と同一内容
です。
損害額
（再取得価額）
を支払います。
●A stolen cash coverage mutual
insurance money will be paid
for damage in the event that
cash, etc. (currency or a savings
deposit certificate) owned by the
mutual insurance policyholder
that was inside the rented residence was stolen due to a theft
accident that occurred during
the mutual insurance period (*2).
* Includes damage due to stalker
actions (*3)
Points to note:
●It is necessary to submit a
notification to the police station
that has jurisdiction.
●Theft of savings deposit certificates is limited to cases in
which cash can be withdrawn
from a savings account. ◆It is
necessary to submit a notification to the place that holds the
savings.
The amount of damages will be
●The same content as the
paid.
main cases in which a mutual
* Provided, however, that it will be
insurance money cannot be
limited to the amount of the stolen
paid for stolen household goods
cash coverage mutual insurance
coverage (excluding theft of a
money.
bicycle )
●契約者、
または被共済者の故意、重
大な過失。
※ただし、盗難家財保障共済金額を限 ●共済の目的物の使用または管理を
度とします。
委託された者、
または被共済者の親
●自転車盗難損害については、損害
族の故意。ただし、
その者が被共済
額（再取得価額）
から5,000円を差
者に共済金を取得させる目的でな
引いた額を支払います。ただし、損害
かった場合を除きます。
額
（再取得価額）
は、3万円を限度と ●盗難事故発生の時点で借用戸室
します。
内に収容されていなかった家財の損
害。
例）
損害額
（再取得価額）
が35,000円
の場合、再取得価額は3万円が最 ● 被 共 済 者の所 有でないものの損
高限度額となります。お支払いする
害。
共 済 金は、損 害 額（ 再 取 得 価 額 ） ●火災等、風水害等の際の盗難。
30,000円−5,000円
（自己負担）
＝ ●地震、噴火、津波の際の盗難または
25,000円
紛失。
●戦争、武力の行使、革命、内乱等の
事変、
暴動、
騒じょう等の際の盗難 。
●紛失。
●借用戸室の敷地内に併設された専
用の駐輪場所以外での自転車の盗
難。
●共済期間中に発生した盗難事故 損害額を支払います。
●盗難家財保障の「共済金をお支
(＊2)
払いできない主な場合」と同一
により、借用戸室の中の被共 ※ただし、盗難現金保障共済金額
を限度とします。
内容です。
済者所有の現金（通貨または預
※「自転車の盗難」は除く
貯金証書）等が盗取された場合
の損害について盗難現金保障共
済金を支払います。
※ストーカー行為による損害(＊3)を
含みます。
19
Coverage of
stolen cash
盗難現金保障
Coverage for
theft
盗難保障
Coverage for
stolen rented
residence
repairs
盗難借用戸室
修理費用保障
Cases in which a mutual
insurance money will be paid
Mutual insurance money that
will be paid
共済金をお支払いする場合
お支払いする共済金
●In the event that the inside of
the rented residence has been
broken, defaced, or damaged
due to a theft accident (*2) that
occurred during the period of
mutual insurance, the lender has
asked you for payment based
on the lease contract, and
you will make repairs at your
own expense, a stolen rented
residence repairs coverage
mutual insurance money will be
paid for those repair expenses.
* Damage due to stalker actions (*)
are included.
Points to note:
●It is necessary to submit a
notification of theft to the police
station that has jurisdiction.
●Damage due to breakage,
defacement, or damage of the
rented residence due to a cause
other than a theft accident (*2)
用語の解説
重要事項説明書
The amount of damages will be
●Repair expenses for things
paid.
other than the rented residence
* Provided, however, that it will be Repair expenses for damage
limited to the amount of the stolen
caused by fire or wind or flood
rented residence repairs coverage
damage, etc.
●Repair expenses for damage
mutual insurance money.
caused by earthquake, eruption,
or tsunami
●Repair expenses for damage
due to an incident, riot, or
disturbance such as a war,
exercise of military force,
revolution, or civil strife
●Repair expenses for damage to
the rented residence that was
discovered after the rented
residence has been handed
over to the lender
●The rented residence s defect,
corrosion, rust, mold, or other
natural wear and tear, etc.
●借用戸室以外の修理費用。
●火災等、風水害等による損害の修
理費用。
●地震、噴火、津波による損害の修理
費用。
●戦争、武力の行使、革命、内乱等の
事変、暴動、騒じょう等による損害の
修理費用。
●貸主に借用戸室を引き渡した後に
発見された借用戸室の損壊等の修
理費用。
●借用戸室の欠陥、腐食、
さび、
かび、
その他の自然の消耗等。
(*1): An unintended accident refers to an accident due to a sudden and coincidental cause, or an infectious disease
stipulated in Article 6.2, Article 3, or Article 4 of the Act Concerning Prevention of Infection of Infectious Diseases
and Patients with Infectious Diseases.
(*2): A theft accident refers to a robbery or theft, or an attempted robbery or theft.
(*3): Damage due to stalker actions refers to damage to property (including cash) owned by the mutual insurance policyholder and inside the rented residence or damage due to breakage, defacement, or damage of the rented residence,
due to the actions stipulated in the Law on Proscribing Stalking Behavior and Assisting Victims, and includes theft
accidents.
(*4): An exclusive bicycle parking place refers to a place that has been established within the site of the building that
contains the rented residence and that the lender of the rented residence installed, manages, and has approved for
bicycle parking by the resident.
(*5): A motorized bicycle refers to a two-wheeled vehicle with engine displacement of 125 cc or less or a vehicle with
three wheels or more and engine displacement of 50 cc or less that is stipulated in the regulations for enforcing the
Road Trucking Vehicle Act.
* For explanations of party to the contract, mutual insurance policyholder, and benefactor, please refer to explanation
of important matters for student comprehensive mutual insurance.
（＊1）「不慮の事故」とは、急激かつ偶然な外因による事故、および「感染症の予防および感染症の患者に対する医療に関する法律」
第６条第２項、第３項および第 4 項に定める感染症をいいます。
（＊2）「盗難事故」とは強盗もしくは窃盗または、それらの未遂をいいます。
（＊3）「ストーカー行為による損害」とは、「ストーカー行為等の規制等に関する法律」に定める行為等により、借用戸室内の被共済者が
所有する財物（現金を含む）の損害、および借用戸室の破損、汚損、またはき損による損害をいい、「盗難事故」に含めます。
「専用の駐輪場所」とは、借用戸室がある建物の敷地内に併設され、借用戸室の貸主が設置、管理し、居住者の駐輪を認めた
（＊4）
場所のことをいいます。
（＊5）「原動機付自転車」とは、「道路運送車両法施行規則」に定める排気量１２５ｃｃ以下の二輪車および５０ｃｃ以下の三輪以上の車
両とします。
※「契約者」、「被共済者」、「扶養者」の解説は、「学生総合共済の重要事項説明書」をご参照ください。
20
Student comprehensive mutual insurance (For a new contract)
学生総合共済（新規契約用）
Explanation of
important matters
ご注意
●所轄警察署への届出が必要で
す。
●預貯金証書の盗難は、預貯金口
座から現金が引き出された場合
に限ります。◆預貯金先への届
出が必要です。
●共済期間中に発生した盗難事故(＊2) 損害額を支払います。
により、借 用 戸 室の中が破 損 、汚 ※ただし、盗難借用戸室修理費用保
損、
き損し、賃貸借契約にもとづいて
障共済金額を限度とします。
貸主から請求され、
ご自身の費用で
修理する場合、
その修理費用につい
て盗難借用戸室修理費用保障共
済金を支払います。
※ストーカー行為による損害(＊3)を含み
ます。
ご注意
●所轄警察署への盗難の届出が必要
です。
●盗難事故(＊2)以外の原因による借用
戸室の破損、汚損またはき損による
損害は保障対象外です。
Explanation of
terms
Main cases in which a mutual
insurance money cannot be
paid
共済金をお支払いできない主な場合
Concerning your contract, the explanation of important matters states particularly important matters in the
outline of the contract and matters that require particular caution for the party to the contract in information
calling for attention. Please be sure to read these things before concluding a contract.
If anything is unclear, please make an inquiry at the mutual insurance desk of the National Federation of University Co-operative Associations or the consultation desk (mutual insurance and insurance support telephone number)
of the UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION (abbreviation: UCMAF).
重要事項説明書はご契約にあたり「特に重要なことがら」を「契約概要」に、ご契約者にとって「特に注意を要するこ
とがら」を「注意喚起情報」に記載していますので、ご契約の前に必ずお読みください。ご不明な点がございました
ら、大学生協の共済窓口または全国大学生協共済生活協同組合連合会【略称：大学生協共済連】の相談窓口：共済・保
険サポートダイヤルまでお問い合わせください。
Ⅰ Outline of the contract (particularly important matters)
契約概要（特に重要なことがら）
１．The mechanism of student comprehensive mutual insurance
[Life Mutual Insurance]
● This is life mutual insurance that combines a basic contract that covers the hospitalization, surgery, residual disability, or death due to
illness or accident or outpatient treatment due to an accident for the person subject to coverage (hereinafter referred to as the Mutual
Insurance Policyholder ) and a special agreement that covers the death of a parent or benefactor of the Mutual Insurance Policyholder
and the accidental death of a benefactor of the Mutual Insurance Policyholder.
[Mutual Insurance for Fire]
● This is Mutual Insurance for Fire that combines fire coverage that covers damage to household goods that are owned by the Mutual Insurance
Policyholder and are inside the rented residence due to fire, lightning strike, rupture, explosion, water exposure, or wind or flood damage,
theft coverage that covers damage due to theft, and tenant s liability coverage that covers times when the Mutual Insurance Policyholder s
negligence causes a fire, rupture, explosion, water leaks from plumbing equipment, or water leak accident, damage is caused to the rented
residence, and the Mutual Insurance Policyholder bears a legal liability to compensate the lender.
１．学生総合共済のしくみ
【生命共済】
●保障対象者
（以下「被共済者」
といいます。）
の病気や事故による入院・手術・後遺障害・死亡および事故通院を保障する基本契約と、被共済者の父母または扶
養者の死亡ならびに被共済者の扶養者の事故死亡を保障する特約を組み合わせた生命共済です。
【火災共済】
●借用戸室内における被共済者が所有する家財の火災・落雷・破裂/爆発・水ぬれ・風水害等による損害を保障する火災保障と、盗難による損害を保障する盗難
保障、被共済者の過失によって火災・破裂/爆発・給排水設備等からの水もれ・水ぬれ事故を起こし借用戸室に損害を与え、貸主に対して法律上の賠償責任を
負うとき保障する借家人賠償責任保障を組み合わせた火災共済です。
2．The mutual insurance period
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●The period of mutual insurance will be the one-year period that begins on the date that validity arises.
●The period of mutual insurance for a continued contract will be the one-year period that begins at midnight on the date after the date the
currently purchased mutual insurance contract expires.
●The period of mutual insurance for a newly enrolled student will be the one-year period beginning on the date that corresponds to (1), (2),
or (3) of 4. About the date of establishment of the contract and the date validity arises of II. Information calling for attention, which is
stated below.
２．共済期間
【生命共済、火災共済共通】
●共済期間は効力の発生する日から１年間です。
●継続する契約の共済期間は、現在ご加入の共済契約の満了日の翌日午前０時から１年間です。
●新入生の共済期間は、後記Ⅱ．
注意喚起情報「４．
契約の成立日と効力の発生日について」の①、②、③のいずれかに該当する日から１年間です。
3．Automatic renewal
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●The period of mutual insurance for this contract is one year, but as long as the party to the contract does not propose stopping continuation
of the contract, it will be deemed that every year there was an application for a continued contract of the same content as the contract that
will expire, the premium for the continued contract will be transferred from the financial institution account that the party to the contract
stated in the form to request transfer from a savings account, and coverage will continue until the contract expiration date in the year of
planned graduation. In the event that the system has been revised, the of the same content as the contract that will expire portion above
will be read as system content after revision.
●This continuation of a contract through deemed application and account transfer of premiums is called automatic continuation.
３．自動継続
●この契約の共済期間は１年間ですが、契約者が契約の継続停止を申し出ない限り、
「満了する契約」
と同一内容の継続契約の申込みが毎年あったとみなし、契
約者が預金口座振替依頼書に記載した金融機関口座から継続契約の掛金を振替えて、卒業予定年の契約満了日まで保障を継続します。制度改定があった
場合は、上記『「満了する契約」
と同一内容の』
の部分を、
『「改定後の制度内容」
での』
と読み替えます。
●この「見なし申込」
と
「掛金の口座振替」
により契約を継続することを自動継続と呼びます。
4．Method of payment of mutual insurance premiums
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●The mutual insurance premium will be paid once a year for a one-year period of mutual insurance.
●For the mutual insurance premium for the first year (including the time of university enrollment), please make payment according to the method
designated by the co-operative of the university in which you will enroll.
●The mutual insurance premiums from the second year up to the year of planned graduation will be paid by account transfer from the financial
institution designated in advance by the party to the contract.
21
4．共済掛金の支払い方法
【生命共済、火災共済共通】
●共済掛金は１年間の共済期間に対し年１回払いです。
●初年度（入学時を含む）の共済掛金は、入学する大学の生協が指定する方法でお支払いください。
●２年目から卒業予定年までの共済掛金は、
あらかじめ契約者が指定した金融機関からの口座振替でのお支払いです。
5．The party to the contract (refers to the person who applies to join mutual insurance)
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●The person who will apply to purchase mutual insurance (the party to the contract) will be a union member of the National Federation
of University Co-operative Associations, which is a member of the UCMAF, or a person who belongs to the same household as a union
member.
5．契約者（共済に加入の申込みをする人をいいます。）
【生命共済、火災共済共通】
●共済に加入の申込みをする人
（契約者）
は、
大学生協共済連の会員である大学生協の組合員、
または組合員と同一の世帯に属する人です。
6．The Mutual Insurance Policyholder (refers to the person who will be subject to coverage by mutual insurance)
●This is a student stipulated in the details of Life Mutual Insurance and Mutual Insurance for Fire who falls under any one of the items below and
who is the one person who is registered in the application.
(1)The party to the contract (2)The spouse of the party to the contract (3)A relative within two degrees, other than the people of item (1) or
(2) above, who shares a livelihood with the party to the contract (4)A relative within two degrees of the spouse of the party to the contract,
who shares a livelihood with the party to the contract
6．被共済者（共済の保障対象になる人をいいます。）
申込書で登録した方１名です。
●生命共済・火災共済の細則に定める学生で、次の各号のいずれかに該当する人、
①契約者 ②契約者の配偶者 ③契約者と生計を共にする前記①②以外の２親等以内の親族 ④契約者の配偶者と生計を共にする契約者の配偶者の
２親等以内の親族
7．Benefactor (requirements for people registered as a benefactor in the application for purchase)
●It is a requirement that a benefactor bears all or the major portion of the academic fees and living expenses for the Mutual Insurance
Policyholder for Life Mutual Insurance, but it is not absolutely necessary that the person is a relative.
7．扶養者（加入申込書に「扶養者」として登録する人の要件）
●扶養者は、生命共済の被共済者の学費および生活費の全部または過半部分を負担していることが要件ですが、必ずしも親族である必要はありま
せん。
8．The contract s restrictions and conditions for acceptance
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●For one Mutual Insurance Policyholder, it is possible to have one contract each for Life Mutual Insurance and Mutual Insurance for Fire.
●It is not possible to have a contract in a form other than the form of the contract set by the UCMAF.
[Life Mutual Insurance]
●Contract form: There are two types. One type is the AF type that combines the basic contract A type and the special agreement F type. The
other type is the MF type that combines the basic contract M type and the special agreement F type.
・The amounts of coverage for the Mutual Insurance Policyholder differ for the basic contract A type and the M type.
・The special agreement F type is the special contract for benefactor s death from accident .
●The age of the Mutual Insurance Policyholder in this contract refers to his or her age on the date of beginning coverage under a new
contract or a continued contract.
●The Life Mutual Insurance premium amount stated in the student comprehensive mutual insurance pamphlet is the amount for a Mutual
Insurance Policyholder who is younger than 35 years old. The Life Mutual Insurance premium amount will differ for a Mutual Insurance
Policyholder who is 35 years old or older on the date of beginning coverage under a new contract or a Mutual Insurance Policyholder
who is 35 years old or older on the date of beginning coverage under a continued contract for the second year or afterward, so please
conclude a contract after inquiring with the mutual insurance desk of the National Federation of University Co-operative Associations or
the mutual insurance and insurance support telephone number.
●For a Mutual Insurance Policyholder who is economically independent (a person who does not receive support) or a Mutual Insurance
Policyholder who does not have a benefactor, the contract will be the A type or the M type, which do not have the special agreement F
type (the special contract for benefactor s death from accident) attached.
●Payment of a mutual insurance money for the special contract for benefactor s death from accident is limited to one time throughout the
common periods of all of the Life Mutual Insurance contracts for one Mutual Insurance Policyholder. Accordingly, in the event that a
Mutual Insurance Policyholder who received payment under this special agreement will continue a contract or conclude a contract again,
the contract will be the A type or the M type, which do not have the special agreement F type (the special contract for benefactor s death
from accident) attached.
●Even in the event that you have stopped being a student union member of the National Federation of University Co-operative Associations
during the period of mutual insurance because of graduation or dropping out of university, coverage can be continued until the date of
expiration of the contract.
However, when you want to cancel the contract before it expires, please notify the mutual insurance desk of the National Federation of
University Co-operative Associations or the mutual insurance and insurance support telephone number.
[Mutual Insurance for Fire]
●Contract form: There is only one type, the KV type.
●This contract is a contract that has the person who is the resident for the real estate lease contract as the Mutual Insurance Policyholder.
It is required that the rented residence exists within Japan.
●In the event that you no will no longer rent the residence during the period of mutual insurance because of graduation or dropping out
of university, please notify the mutual insurance desk of the National Federation of University Co-operative Associations or the mutual
insurance and insurance support telephone number.
8．契約の制限および引受条件
【生命共済、火災共済共通】
●被共済者１人につき、生命共済、火災共済にそれぞれ一つ契約できます。
●大学生協共済連が設定する契約の型以外の契約はできません。
【生命共済】
●契約の型：基本契約A型＋特約F型の組み合わせによる「AF型」と基本契約M型＋特約F型の組み合わせによる「MF型」の２種類があります。
・基本契約A型とM型では被共済者の保障金額が異なります。
・特約「F型」
は被共済者の扶養者事故死亡に関する特約です。
●この契約における被共済者の「年齢」は、新規契約および継続契約の保障開始日における満年齢をいいます。
●学生総合共済パンフレット記載の生命共済掛金額は、35歳未満の被共済者を対象とした金額です。新規契約の保障開始日において35歳以上の
22
被共済者、および2年目以降の継続契約の保障開始日において35歳以上の被共済者は生命共済掛金額が異なりますので、大学生協の共済窓口ま
たは共済・保険サポートダイヤルにお問い合わせのうえ、ご契約ください。
●経済的に自立している被共済者（扶養を受けない人）、および扶養者のいない被共済者は、特約F型（扶養者事故死亡特約）を付帯しないA型
またはM型の契約となります。
●扶養者事故死亡特約の共済金の支払は、１人の被共済者に対して、すべての生命共済契約の共済期間を通じて１回限りです。したがって、この
特約での支払を受けた被共済者が、契約を継続または再契約する場合には、特約F型（扶養者事故死亡特約）を付帯しないA型またはM型での
契約となります。
●共済期間中に卒業や退学などにより大学生協の学生組合員で無くなった場合でも、契約の満了日まで保障を続けることができます。
ただし、中途解約を希望されるときは大学生協の共済窓口または共済・保険サポートダイヤルまでお申し出ください。
【火災共済】
●契約の型：KV型の１種類のみです。
●この契約は「不動産賃貸借契約の入居者本人」を被共済者とする契約です。なお、借用戸室は日本国内に存在することを要します。
●共済期間中に卒業、退学などにより戸室を借用しなくなった場合、解約手続きについて大学生協の共済窓口または共済・保険サポートダイヤル
までお申し出ください。
9．Content of coverage
[Life Mutual Insurance]
Basic contract:
Death coverage, residual disability coverage, hospitalization coverage, surgery coverage, coverage of outpatient treatment
due to an accident
Special agreement: The special contract for parent's/benefactor's death, the special contract for benefactor s death from accident
[Mutual Insurance for Fire]
Basic contract:
Fire coverage, theft coverage (household goods, cash, stolen rented residence repair expenses), tenant liability coverage
* In addition to this Mutual Insurance for Fire, there is a mutual insurance (insurance) contract of the same type, and when the total of the
mutual insurance money (insurance payments) that will be paid under each contract will exceed the amount of damages, there may be
cases in which payment will be made after adjustment is made so that the amount does not exceed the amount of damages.
9．保障内容
【生命共済】
基本契約： 死亡保障、後遺障害保障、入院保障、手術保障、事故通院保障
特
約： 父母扶養者死亡特約、扶養者事故死亡特約
【火災共済】
基本契約： 火災保障、盗難保障
（家財・現金・盗難借用戸室修理費用）
、借家人賠償責任保障
※この火災共済の他に同種の共済
（保険）
契約があり、
それぞれの契約から支払われる共済金
（保険金）
の合計が損害額を超えるときは、損害額を超えないように
調整して支払われる場合があります。
10．Maturity return payment, and rebate
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●This contract does not have a maturity return payment.
●In the event that a surplus has arisen in settlement for a fiscal year and resolution has been made by the general assembly, there may be
payment of a rebate for contracts that are valid at the time of settlement on the last date of September. A rebate will be deferred until the
last ending time (the graduation year) of a mutual insurance contract.
10．満期返戻金、割戻金
【生命共済、火災共済共通】
●この契約に満期返戻金はありません。
●年度の決算において剰余が生じ総会で議決された場合、９月末決算時点で有効な契約に対し割戻金を支払う場合があります。なお、割戻金は共
済契約の最終終了時（卒業年）まで据え置きいたします。
11．The person to receive mutual insurance money
●The person who will receive a mutual insurance money is the party to the contract (the person who applies to purchase this mutual insurance).
●The person who will receive a mutual insurance money when a party to the contract who is the same person as the Mutual Insurance
Policyholder has died will be the people listed below, and that rank will be in the order of items (1) through (5) listed below. In addition,
the rank for items (2) through (5) will be in the respective order that is stated. (1)The spouse of the party to the contract (2)A child, parent,
grandchild, grandparent, or sibling of the party to the contract who was sharing a livelihood with the party to the contract at the time the
party to the contract died (3)A child, parent, grandchild, grandparent, or sibling of the spouse of the party to the contract who was sharing
a livelihood with the party to the contract at the time the party to the contract died (4)A child, parent, grandchild, grandparent, or sibling of
the party to the contract who does not fall under item (2) above (5)A child, parent, grandchild, grandparent, or sibling of the spouse of the
party to the contract who does not fall under item (3) above
Provided, however, that irrespective of the above, the party to the contract can designate in advance the person to receive a death coverage
mutual insurance money.
11．共済金の受取人
●共済金の受取人は契約者（この共済に加入の申込みをする人）です。
●被共済者と同一人である契約者が死亡したときの共済金受取人は、下記の人で、その順位は下記の①から⑤の順序とします。さらに、②から⑤
における順位はそれぞれの記載順序とします。①契約者の配偶者 ②契約者が死亡した当時、契約者と生計を共にしていた、契約者の子、父母、
孫、祖父母、兄弟姉妹 ③契約者が死亡した当時、契約者と生計を共にしていた、契約者の配偶者の子、父母、孫、祖父母、兄弟姉妹 ④上記
②に該当しない契約者の子、父母、孫、祖父母、兄弟姉妹 ⑤上記③に該当しない契約者の配偶者の子、父母、孫、祖父母、兄弟姉妹ただし、
上記にかかわらず、契約者は死亡保障共済金の受取人を事前に指定することができます。
12．Sending the mutual insurance certificate
●The mutual insurance certificate (including a deduction certificate in the case of life mutual insurance) and information about a continued
contract will be sent to the benefactor s address (limited to places within Japan) that was stated in the purchase application.
12．共済証書等の送付
●共済証書（生命共済は控除証明書を含む）や継続契約のご案内等は、加入申込書に記載した扶養者住所に送付します（日本国内に限ります）。
23
Ⅱ Information calling for attention (matters that require particular caution)
注意喚起情報（特に注意を要することがら）
１．About withdrawal of an application for a contract (cooling off)
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
● Limited to a new contract, the person applying for a contract can, within eight UCMAF business days after the date of application (the
premium payment date), withdraw an application in writing. When you will withdraw an application, please notify the mutual insurance desk
of the National Federation of University Co-operative Associations or the mutual insurance and insurance support telephone number.
１．契約の申込みの撤回（クーリングオフ）について
【生命共済、火災共済共通】
●新規契約に限り、契約申込者は、
申込日
（掛金支払日）
から大学生協共済連の８営業日以内に、書面により申込みの撤回ができます。申込みの撤回をするときは、
大学生協の共済窓口または共済・保険サポートダイヤルまでお申し出ください。
2．About filling in a purchase application form and notification matters (notification matters at the time of concluding the
contract)
[Life Mutual Insurance]
●The purchase application form (including a written notification when it falls under notification matters) is an important document for
concluding a contract with the UCMAF. Please write facts for the stated matters, sufficiently check the facts for the Mutual Insurance
Policyholder when the party to the contract and the Mutual Insurance Policyholder are different people, and have the party to the contract
fill things in himself or herself.
●Please reply accurately for the notification matters related to the state of health for Life Mutual Insurance. If replies differ from the facts, the
contract may be cancelled or payment of a mutual insurance money may not be possible.
●In the event that you fall under any of the matters for notification matters related to the state of health for Life Mutual Insurance, it will be
necessary for you to give notice of the name of that illness and the date it developed or the date when surgery is planned.
A mutual insurance money caused by an illness stated in a notification or an illness that was not stated in a notification but was diagnosed
as having developed before applying for a contract will not be paid.
Provided, however, that there are cases in which a mutual insurance money can be paid for death, residual disability, hospitalization, or
surgery caused by an aforementioned illness after one year has passed since the application date (premium payment date).
For details, please make an inquiry at the mutual insurance desk of the National Federation of University Co-operative Associations or the
mutual insurance and insurance support telephone number
[Mutual Insurance for Fire]
●Please give notice in the purchase application form about whether or not you have any similar mutual insurance contracts or insurance
contracts in addition to this mutual insurance. When you have another mutual insurance contract or insurance contract, please read the
clause Outline of the contract 9. Content of coverage.
２．加入申込書および告知事項の記入について（契約時の告知事項）
【生命共済】
●「加入申込書」
（告知事項に該当するときの告知書を含みます。）
は大学生協共済連と契約を締結するための重要書類です。記載事項は事実を表記し、契約者
と被共済者が異なるときは被共済者の事実を充分確認のうえ、契約者自身が記入してください。
●「生命共済健康状態に関する告知事項」
には正確にお答えください。回答が事実と異なると契約が解除されたり共済金をお支払いできない場合があります。
●「生命共済健康状態に関する告知事項」のいずれかの事項に該当する場合は、
その病名および発病日または手術予定日についての告知が必要となります。
な
お、
「告知書に記載した病気」、
「告知書に記載しなかったが契約申込み前に発病していたと診断された病気」
が原因での共済金は支払いません。
ただし、
申込日
（掛金支払日）
から１年を経過した後の前記の病気を原因とする死亡や後遺障害、入院、手術については共済金をお支払いできる場合があります。
詳細は大学生協の共済窓口または共済・保険サポートダイヤルまでお問い合わせください。
【火災共済】
●この共済の他に、同種の共済契約や保険契約の有無を
「加入申込書」に告知してください。他の共済契約や保険契約が存在するときは、
「契約概要の９．
保障
内容」の項をご覧ください。
3．About changes, etc. of the content of the contract (notification matters after a contract has been concluded)
●When the matters below have changed after a contract has been concluded, please notify the mutual insurance desk of the National
Federation of University Co-operative Associations or the mutual insurance and insurance support telephone number.
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
(1)The name and address of the Mutual Insurance Policyholder s benefactor (2)The name and address of the party to the contract (3)The
name and address of the Mutual Insurance Policyholder (Changes of the Mutual Insurance Policyholder cannot be made.) (4)The
financial institution account for transfer of mutual insurance premiums (5)The university or school that the party to the contract or the
Mutual Insurance Policyholder attends (6)The year of planned graduation (7) The Mutual Insurance Policyholder s classification
[Mutual Insurance for Fire only]
●When you will conclude a contract for mutual insurance or insurance of the same type as this mutual insurance
３．契約内容の変更等について（契約後の通知事項）
●契約後に次の事項に変更が生じたときは、必ず大学生協の共済窓口または共済・保険サポートダイヤルに通知してください。
【生命共済、火災共済共通】
①被共済者の扶養者の氏名、住所 ②契約者の氏名、住所 ③被共済者の氏名、住所
（被共済者の変更はできません） ④共済掛金の振替金融機関口
座 ⑤契約者または被共済者の通学する大学、学校 ⑥卒業予定年 ⑦被共済者の「区分」
【火災共済のみ】
●この共済の他に同種の共済や保険の契約を締結するとき
4．About the date of establishment of the contract and the date validity arises
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●In the event that the UCMAF has approved an application for a contract, it will be deemed that the contract was established on that date of
application.
●Both submission of a contract application and payment of a mutual insurance premium are required for it to become valid. Validity of a
mutual insurance contract will arise at midnight on the date after the date of submission of a contract application or the date of payment
of the first premium, whichever is later. Provided, however, that for a contract that designates a date of validity that is later than both of
those dates, validity will arise at midnight on that designated date of validity.
●The date when validity will arise in the case of a newly enrolled student will be as stated below, depending on the relationship between the
date of the contract application and the payment date for the mutual insurance premium.
①When the date of the contract application and the payment date for the mutual insurance premium are on or before March 31, 2016
……Midnight on April 1, 2016
24
②When the date of the contract application is on or before March 31, 2016 but the payment date for the mutual insurance premium is on or
after April 1, 2016
……Midnight on the date after the payment date for the mutual insurance premium
③When the date of the contract application and the payment date for the mutual insurance premium are on or after April 1, 2016
……Midnight on the date after the date of the contract application or the payment date for the mutual insurance premium, whichever is later
4．契約の成立日と効力の発生日について
【生命共済、火災共済共通】
●大学生協共済連が契約の申込みを承諾した場合には、契約はその申込日に成立したものとします。
●効力の発生には
「契約申込書の提出」
と
「共済掛金支払」の双方が必要です。共済契約の効力は、
「契約申込書提出日」
または
「初回掛金支払日」のいずれか
遅い日の翌日午前０時に発生します。
ただし、
それらの日よりも遅い日を発効日として指定する契約については、
その指定発効日の午前０時に効力が発生します。
●新入生の場合の効力発生日は、契約申込日と共済掛金支払日との関係により、次のとおりとします。
①契約申込日と共済掛金支払日が２０１６年３月３１日以前の場合
……２０１６年４月１日午前０時
②契約申込日は２０１６年３月３１日以前であるが、共済掛金支払日が２０１６年
４月１日以降の場合
……共済掛金支払日の翌日午前０時
③契約申込日と共済掛金支払日が２０１６年４月１日以降の場合
……契約申込日、
または共済掛金支払日のいずれか遅い日の翌日午前０時
5．About a premium payment grace period for a continued contract and non-establishment of a continued contract
* For details, please read the UCMAF homepage.
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●In the event that, due to a reason such as an insufficient balance in the savings account, it was not possible to make a transfer of a mutual
insurance premium for a contract that will be automatically renewed, there will be a payment grace period of three months beginning on the
date after the first account transfer date.
Provided, however, that in the event that payment is not made within this period, the contract will end as of the expiration date of the expired
contract, a continued contract will not be established, and it will be a situation with no coverage.
●In the event that a request for account transfer has not been submitted by the last date of the month before the month of account transfer,
there will be no premium payment grace period for the continued contract.
5．継続契約の掛金払込猶予期間と継続契約の不成立について
※詳しくは、大学生協共済連ホームページをご覧ください。
【生命共済、火災共済共通】
●自動継続する契約の共済掛金が預金口座の残高不足等で振替不能となった場合、初回口座振替日の翌日から３ヶ月間の払込猶予期間があります。
ただし、
こ
の期間内に入金がない場合は、満了した契約の満了日を以って契約が終了し、継続契約は成立せず
「保障のない状態」
となります。
●口座振替月の前月末日までに口座振替依頼書のご提出がない場合は、継続契約の掛金支払猶予期間はありません。
6．Main cases in which a mutual insurance money cannot be paid
* For details, please read the student comprehensive mutual insurance pamphlet and the UCMAF homepage.
[Life mutual insurance]
(1)When it is due to the deliberate intention of the party to the contract or the Mutual Insurance Policyholder (excluding suicide) (2)When
it is due to a personal fight or criminal action by the Mutual Insurance Policyholder or the relevant benefactor (3)When there is no medical
objective opinion, such as cervical syndrome (so-called whiplash), lower-back pain, or backaches (4)An injury that occurred due to driving
without qualifications, without a license, while under the influence of alcohol, or while dependent on drugs, or due to ignoring a traffic light,
violation of the speed limit, or entering a blocked railroad crossing
[Mutual Insurance for Fire]
(1)When it is due to the deliberate intention of the party to the contract or the Mutual Insurance Policyholder (2)An earthquake or eruption,
or a tsunami, fire, or wind or flood damage, etc. due to an earthquake or eruption (3)A fire, wind or flood damage, or theft that occurred due
to war or civil strife (4)Loss (5)Weighted compensation liability under a special agreement with the lender (6)Theft of household goods or
cash that were not inside the rented residence (7)Natural wear and tear, such as a defect, corrosion, rust, or mold, of the rented residence
(8)Compensation liability caused by damage to the rented residence that was discovered after the rented residence was handed over to the
lender
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●In the event that there was a fraudulent action when the contract was concluded or when the mutual insurance money was claimed
6．共済金をお支払いできない主な場合について
※詳しくは学生総合共済パンフレット、大学生協共済連ホームページをご覧ください。
【生命共済】
①契約者、被共済者の故意によるとき
（自殺は除きます。） ②被共済者、当該扶養者の私闘、犯罪行為によるとき ③頸部症候群
（いわゆる
「むちうち症」）
、腰
痛、背痛等で医学的他覚所見がないとき ④無資格、無免許、酒気帯び、薬物依存での運転や信号無視、最高速度違反、遮断中の踏切立ち入りによるケガ
【火災共済】
①契約者、被共済者の故意によるとき ②地震、噴火、
これらによる津波、火災、風水害等 ③戦争、
内乱等によって発生した火災、風水害、盗難 ④紛失 ⑤
貸主と特別な約定により加重された賠償責任 ⑥借用戸室内に存在しなかった家財、現金の盗難 ⑦借用戸室の欠陥、腐食、
さび、
かび等の自然の消耗 ⑧
借用戸室を貸主に引き渡した後に発見された借用戸室の損壊に起因する賠償責任
【生命共済、火災共済共通】
●契約締結の際または共済金請求の際に詐欺行為をした場合
7．About payment in the event that the amount of a mutual insurance money was increased or reduced
[Life Mutual Insurance]
●In the event that the amount of a mutual insurance money has been increased or reduced during a period of hospitalization or outpatient
treatment, either the amount of the mutual insurance money before the change or the amount of the mutual insurance money after the
change, whichever amount is smaller, will be paid for a period of hospitalization or outpatient treatment after the contract change.
7．共済金額を増額、減額した場合のお支払いについて
【生命共済】
●入院・通院期間中に、共済金額に増減がある場合、契約変更後の入院・通院期間については、変更前の共済金額と変更後の共済金額のいずれか少ない額で
支払います。
25
8．About division, deferment, and reduction of mutual insurance money
[Life Mutual Insurance]
●In a time of emergency, such as a war or other extraordinary incident, an earthquake, tsunami, an eruption, or another similar natural disaster,
after resolution by the general assembly, mutual insurance money may be paid by division or deferment, or the amounts may be reduced.
8．共済金の分割、繰り延べ、削減について
【生命共済】
●戦争その他の非常な出来事、地震、津波、噴火、
その他これらに類する天災などの非常時には、総会の議決を経て共済金を分割・繰り延べて支払い、
または金額
を削減する場合があります。
9．About the statute of limitations
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●When the party to the contract, the Mutual Insurance Policyholder, and the person to receive a mutual insurance money have failed to claim a
mutual insurance money for three years after the date after the payment reason occurred, it will be eliminated due to the statute of limitations.
●When the party to the contract has failed to claim return of a mutual insurance money or a cancellation refund for three years after the date
after the reason for return or claim occurred, it will be eliminated due to the statute of limitations.
9．時効について
【生命共済、火災共済共通】
●契約者・被共済者・共済金受取人が共済金の請求を、支払事由の発生した翌日から３年間怠ったときは時効により消滅します。
●契約者が共済掛金の返還・解約返戻掛金の請求を、返還・請求事由の発生した翌日から３年間怠ったときは時効により消滅します。
10．About cancellation and a cancellation refund
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●When you will cancel a contract, please notify the mutual insurance desk of the National Federation of University Co-operative Associations
or the mutual insurance and insurance support telephone number, and then submit the prescribed documents. The date of cancellation will be
the date the prescribed documents reached the UCMAF (or the National Federation of University Co-operative Associations mutual insurance
desk) or the desired date of cancellation, whichever is later.
●In the event that upon cancellation there is a mutual insurance period that has not yet passed, a cancellation refund will be paid according
to the prescribed formula. Provided, however, that in the event that a reason for payment of a mutual insurance money has occurred during
a mutual insurance period that has already passed, a cancellation refund will not be paid.
10．解約と解約返戻金について
【生命共済、火災共済共通】
●契約を解約するときは、大学生協の共済窓口または共済・保険サポートダイヤルへ連絡のうえ、所定の書類を提出してください。解約日は、所定の書類が大学生
協共済連
（または大学生協の共済窓口）
に届いた日または解約希望日のいずれか遅い日です。
●解約にあたって未経過共済期間がある場合は、所定の算式によって解約返戻金を支払います。ただし、既経過共済期間中に共済金の支払事由が生じた場合
は、解約返戻金は支払いません。
11．About cases in which a contract will become invalid
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
(1)When the party to the contract or the Mutual Insurance Policyholder do not fulfill the qualifications or conditions of the contract (2)When
a contract has been concluded in excess of the limit amount for a mutual insurance money of the basic contract or a special agreement, the
portion that exceeded that maximum limit (3)When the Mutual Insurance Policyholder s agreement was not obtained at the time of application
(4)When an application for a contract was made against the intentions of the party to the contract
[Life Mutual Insurance]
(1)When the Mutual Insurance Policyholder has died by the date before the date when validity arises (the date of beginning coverage)
Mutual Insurance for Fire
(1)When the rented residence does not exist (2)When, on the date of the agreement, the party to the contract or the Mutual Insurance
Policyholder knew that damage to the rented residence or household goods had occurred
11．契約が無効となる場合について
【生命共済、火災共済共通】
①契約者、被共済者が契約の資格・条件を充足しなかったとき ②基本契約および特約の共済金の限度額を超えて契約したとき、
その最高限度を超えた部分
③申込みの際、被共済者の同意を得ていなかったとき ④契約者の意思によらず契約が申込まれたとき
【生命共済】
①被共済者が効力の発生日
（保障開始日）
の前日までに亡くなられていたとき
【火災共済】
①借用戸室が存在しないとき ②借用戸室や家財に損害が生じていることを、契約時点で契約者または被共済者が知っていたとき
12．About cases in which the contract will be cancelled
[Common to both Life Mutual Insurance and Mutual Insurance for Fire]
●Cancellation due to violation of the obligation for disclosure In the event that the party to the contract or the Mutual Insurance Policyholder,
due to deliberate intention or gross negligence at the time of concluding the contract, hid important facts related to notification matters or
determination of risk, or stated things that are not facts
●Cancellation due to a significant reason In the event that the party to the contract, the Mutual Insurance Policyholder, or the person to receive
a mutual insurance money falls under one of the items below
(1)When the person has deliberately caused, or tried to cause, a reason for payment of a mutual insurance money to occur (2)When the
person has conducted, or tried to conduct, a fraudulent action in relation to claiming a mutual insurance money (3)When the total amount of
the Mutual Insurance Policyholder s mutual insurance money will be significantly exorbitant due to duplication with other mutual insurance
contracts, and the UCMAF has judged that it will exceed or diverge from the purpose as a mutual-help system (4)In the event that it has
been judged that it will damage the credibility of the UCMAF or that it is inappropriate for the contract to continue to exist
* Even when cancellation was after the occurrence of a reason for payment of a mutual insurance money, the mutual insurance money will not
be paid. In addition, when a mutual insurance money has already been paid, a claim for its return can be made.
12．契約が解除となる場合について
【生命共済、火災共済共通】
●告知義務違反による解除
契約者または被共済者が、契約締結の際に故意または重大な過失により、告知事項または危険の測定に関る重要な事実を隠したり、
または事実でないことを記
載した場合。
26
●重大事由による解除
契約者、被共済者または共済金受取人が、①故意に共済金支払事由を発生させ、
または発生させようとしたとき ②共済金請求に関して詐欺行為を行い、
または
行おうとしたとき ③他の共済契約等との重複により、被共済者の共済金等の合計額が著しく過大となり、
たすけあいの制度としての目的を超える、
または逸脱す
ると大学生協共済連が判断したとき ④大学生協共済連の信頼を損ない、契約の存続を不適当と判断された場合。
※解除が共済金支払事由発生後であっても共済金を支払いません。
また、
すでに共済金を支払っていたときは、
その返還を請求することができます。
13．About complaints and consultations related to the underwriting organization and mutual insurance contracts
●Complaints and consultations related to the UCMAF, mutual insurance contracts, or payment of mutual insurance payments, and motions
of objections, will be accepted at the consultation desk listed below (0120-335-770).
●When the party to the contract, the Mutual Insurance Policyholder, or the person to receive a mutual insurance payment is dissatisfied with
a decision by the UCMAF in relation to a contract or payment of a mutual insurance payment, a motion of an objection can be made to the
UCMAF s reviewing committee for motions of objections.
13．元受団体ならびに共済契約に関する苦情・相談について
●大学生協共済連ならびに共済の契約または共済金の支払に関する苦情・相談ならびに異議申立ては下記の相談窓口
（０１２０-３３５-７７０）
でお受けいたします。
●契約者、被共済者または共済金受取人は、契約または共済金の支払に関して大学生協共済連の決定に不服があるときは、大学生協共済連の「異議申立てに
関する審査委員会」
に対して異議の申立てを行うことができます。
14．In the event that an accident has occurred
In the event that an accident or illness has occurred, please notify the mutual insurance desk of the National Federation of University
Co-operative Associations or the mutual insurance and insurance support telephone number.
14．万一事故が発生した場合には
●事故や病気が発生した場合には、
すみやかに大学生協の共済窓口または共済・保険サポートダイヤルまでご通知ください。
15．About dispute resolution by a neutral external organization
In the event that a problem with the UCMAF cannot be resolved by the means above, you can consult the mutual consultation center of the
Japan Cooperative Insurance Association Incorporated or make a motion for resolution.
15．中立的な外部機関による紛争解決について
●上記による大学生協共済連との間で問題を解決できない場合は、
（一社）
日本共済協会 共済相談所にご相談いただくか、解決の申立てを行うことができます。
About handling of personal information
[Purposes of use]
Personal information that the UCMAF (hereinafter stated as the
Federation ) obtained through concluding, maintaining, or managing
mutual insurance contracts and paying mutual insurance money
may be used in order for the National Federation of Co-operative
Associations and the National Federation of University Co-operative
Associations(*) to provide information about various surveys, services,
and events, etc. related to mutual insurance work and co-operative
association work
In addition, fact confirmation may be conducted in relation to the
content of notification to physicians, etc. and the content of claims
for mutual insurance money, in order to ensure the sound operation
of mutual insurance work.
* The National Federation of University Co-operative Associations
is a federation of co-operative associations to which the National
Federation of University Co-operative Associations is a member,
and its official name is the National Federation of University
Co-operative Associations.
[Collaborative use]
Personal information that the Federation obtained in relation to group
contracts (personal liability insurance for students or supporter death
coverage insurance) that will be a party to the insurance contract
will be used for concluding, maintaining, and managing contracts,
payment of insurance payments, and various types of information and
services, etc. at the Federation, the National Federation of University
Co-operative Associations, which is a member of the Federation,
the underwriting insurance company, and University Co-operatives
Insurance Services, Inc., which is the insurance agent.
[Provision to third parties]
The Federation and the National Federation of University Co-operative Associations, which is a member of the Federation, may
provide the state of purchase of student comprehensive mutual
insurance and group contracts for which the Federation will be
the party to the insurance contract, and the state of payment of
mutual insurance money and insurance payments, to the National
Federation of University Co-operative Associations, which is a
member of the Federation, the National Federation of University
Co-operative Associations, and the university to which the Mutual
Insurance Policyholder belongs.
[For information about protection of personal information,]
please see each homepage.
UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION:
http://kyosai.univcoop.or.jp/
Mitsui Sumitomo Insurance Co., Ltd.: http://www.ms-ins.com/
Kyoei Fire & Marine Insurance Co., Ltd.: http://www.kyoeikasai.co.jp/
個人情報の取り扱いについて
【利用目的】
大学生協共済連
（以降、当会と記載）
が共済契約の締結・維持管理ならびに
共済金支払等に際して取得した個人情報は、当会ならびに当会の会員であ
る大学生協および全国大学生協連（※）が共済事業と生活協同組合事業
に関する各種調査・サービス・イベント等の案内などをするために利
用することがあります。また、健全な共済事業運営のため、医師等に
対して告知内容・共済金請求内容に関する事実確認を行うことがあります。
※全国大学生協連とは、大学生協が加盟する生活協同組合の連合会で正
式名称は
「全国大学生活協同組合連合会」
と称します。
【共同利用】
当会が保険契約者となる団体契約（学生賠償責任保険・扶養者死亡保障保険
）
に関して取得した個人情報は、当会ならびに当会の会員である大学生協および
引受保険会社、
および保険代理店である株式会社大学生協保険サービスにおい
て、契約の締結・維持管理・保険金の支払および各種案内・サービスなどのために
利用します。
【第三者提供】
当会および当会の会員である大学生協は、当会の会員である大学生協・全国大学生
協連・被共済者が所属する大学に、
「学生総合共済」
ならびに当会が保険契約者とな
る
「団体契約」の加入状況および共済金・保険金の支払い状況などを提供することが
あります。
【個人情報の保護】については各々のホームページをご覧ください。
全国大学生協共済生活協同組合連合会 http://kyosai.univcoop.or.jp/
三井住友海上火災保険株式会社 http://www.ms-ins.com/
共栄火災海上保険株式会社 http://www.kyoeikasai.co.jp/
東京海上日動火災保険株式会社 http://www.tokiomarine-nichido.co.jp/
損害保険ジャパン日本興亜株式会社 http://www.sjnk.co.jp/
株式会社大学生協保険サービス http://hoken.univcoop.or.jp/
27
Tokio Marine & Nichido Fire Insurance Co., Ltd.:
http://www.tokiomarine-nichido.co.jp/
Sompo Japan Nipponkoa Insurance Inc.: http://www.sjnk.co.jp/
Corporation University Co-operative Insurance Service:
http://hoken.univcoop.or.jp/
Organization underwriting the contracts: UNIVERSITY
CO-OPERATIVES MUTUAL AID FEDERATION
Place to make consultations: Phone number for mutual
insurance and insurance support 0120-335-770
Hours for consultations: 9:40 - 17:30 on weekdays, 9:40 13:00 on Saturdays
元受団体：全国大学生協共済生活協同組合連合会
ご相談窓口：共済・保険サポートダイヤル 0120-335-770
受付時間：平日9:40〜17:30 土曜日9:40〜13:00
Mutual insurance support dial
大学生協共済・保険サポートダイヤル
●Inquiries related to content of coverage or contract
procedures
●保障内容・契約手続に関するお問い合わせ
0120-335-770
Life Mutual
Insurance
生命共済
Mmutual
Insurance for
Fire
火災共済
Personal liability
Insurance for
students
学賠保険
Supporter
death coverage insurance
扶保保険
Hours for calls [Weekdays] 9:40‒17:30 [Saturday] 9:40‒13:00 [Sundays, and holidays] Closed
【平日】9:40〜17:30 【土曜】9:40〜13:00 【日祝】休業
受付時間
●Report of the accidents or injuries related to Life
Mutual Insurance or Mutual Insurance for Fire / Mutual
insurance payment claim
●生命共済・火災共済の病気や事故・ケガ等の連絡・共済金請求
Hours for calls
受付時間
[Weekdays] 9:40‒17:30 [Saturday] 9:40‒13:00 [Sundays, and holidays] Closed
●学生賠償責任保険・扶養者死亡保障保険の事故連絡・保険金請求
受付時間
28
生命共済
Mmutual
Insurance for
Fire
火災共済
【平日】9:40〜17:30 【土曜】9:40〜13:00 【日祝】休業
●Report of the accidents related to personal liability
insurance for students or supporter death coverage
insurance / Insurance payment claim
Hours for calls
Life Mutual
Insurance
Personal liability
Insurance for
students
学賠保険
Supporter
death coverage insurance
扶保保険
Available 24/7
【24時間365日対応】
29
Personal Liability
Insurance for Students
Outline of system
制度のあらまし
学生賠償責任保険
Comprehensive Insurance for Students/Children: with a special agreement
for compensation for personal injury in daily life and a special agreement
on a partial change to expansion of entrusted item compensation, and
Premises/Product Liability Insurance
日常生活個人賠償責任補償特約および受託品補償拡大型一部変更特約付帯学生・
こども総合保険、施設・生産物賠償責任保険
1 People who can be covered (insured people)
ご加入者（被保険者）となれる方
The scope of persons who can be covered by insurance (persons subject to coverage) under this system is union members of the UNIVERSITY
CO-OPERATIVES MUTUAL AID FEDERATION who will be younger than 23 years on the date of expiration of the period of insurance or who
are students at an educational institution (university, vocational school, etc.) as stipulated in the School Education Act (includes those who have
completed enrollment procedures and become union members).
この制度で被保険者
（保障の対象者）
となれる方の範囲は、全国大学生協共済生活協同組合連合会の会員の組合員であり、保険期間の満了日において、満２３歳未
満であるか、学校教育法に定める学校
（大学・専門学校等）
の学生の方です。
（入学手続きを終え、組合員となられた方を含みます。）
2 Insurance period
保険期間
If a newly enrolled student makes a purchase application (pays an insurance premium) by March 31, 2016, the insurance period will run from
midnight on April 1, 2016 to 4.00 p.m. on April 1 of the intended year of graduation (2017, 2018, 2019, 2020, 2021, or 2022). In the case
of a purchase made part-way through the fiscal year concerned or later, the insurance period will run from midnight on the day after the date of
payment of the insurance premium to 4.00 p.m. on April 1 of the intended year of graduation.
新入学生の方が2016年3月31日までに加入申込み
（保険料払込み）
された場合は、2016年4月1日午前0時からご卒業予定年
（2017年、2018年、2019年、2020
年、2021年、2022年）
の4月1日午後4時までとなります。中途加入される場合、保険料払込日の翌日午前0時からご卒業予定年の4月1日午後4時までとなります。
3 Insurance contents (death due to injury)
Disability
Death
insurance
insurance
payment
payment
傷害
保険金
死亡保険金
payment will be paid.)
●Injury due to war or other uprising* or insurgency (An injury due to a terrorist act will be subject to payment of an
insurance payment under a special agreement that makes partial revision in relation to exemption from liability for war
risks with conditions.)
●Injury due to the radioactive or explosive nature, etc. of nuclear fuel material, etc.
●Irrespective of the cause, in the case of a complaint of cervical syndrome*, lower back pain, or other similar symptom,
issues for which there is no objective medical opinion* that is sufficient to support the complaint
●Near-drowning* while bathing (Provided, however, that, if it is due to an injury for which the underwriting insurance
company is liable to make an insurance payment, an insurance payment will be paid.)
●Pneumonia that occurs as a result of aspiration*, irrespective of the cause
●Injury that occurs while conducting separately stipulated
exercise, etc. that is not subject to coverage
●Injury that occurs while playing, etc. using riding equipment*
Note: Bacterial food poisoning and viral food poisoning are not subject to coverage.
●保険契約者、被保険者、被保険者の親権者・後見人または保険金を受け取るべき方の故意または重大な過失によるケガ※ ●自殺
行為、犯罪行為または闘争行為によるケガ ●自動車等※の無資格運転、酒気帯び運転※または麻薬等を使用しての運転中のケガ ●
脳疾患、病気または心神喪失によるケガ ●妊娠、
出産、早産または流産によるケガ ●外科的手術その他の医療処置によるケガ
（ただ
し、
引受保険会社が保険金を支払うべきケガの治療※によるものである場合には、保険金をお支払いします。）●戦争、
その他の変乱※、
暴動によるケガ
（テロ行為によるケガは、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）●核
燃料物質等の放射性・爆発性等によるケガ ●原因がいかなるときでも、頸
（けい）
部症候群※、腰痛その他の症状を訴えている場合に、
（ただし、
引受保険会社が保険金を支払うべきケガによって生
それを裏付けるに足りる医学的他覚所見※のないもの ●入浴中の溺水※
※
じた場合には、保険金をお支払いします。） ●原因がいかなるときでも、誤嚥
（えん）
によって生じた肺炎 ●別記の「保障対象外となる
細菌性食中毒およびウイルス性中毒は、保障
運動等」
を行っている間のケガ ●乗用具※を用いて競技等※をしている間のケガ （注）
の対象にはなりません。
など
保障内容（ケガによる死亡）
◆When an insurance payment will be paid ☆The items stated below apply in the case of job type A or in the
case of a student.
◆保険金をお支払いする場合
☆下記は職種A・学生の場合です。
Type of insurance
payment
Cases in which an insurance payment
will be paid
Amount of insurance payment to be paid
Insured amount
for death (Note)
保険金の種類
保険金をお支払いする場合
保険金のお支払額
死亡保険金額（注）
Disability
Death
insurance insurance
payment payment
傷害
保険金
死亡
保険金
In the case of death within 180 days
(including the date of the accident) of the
occurrence of an accident, due to an
injury* during the period of insurance
保険期間中のケガ※のため、事故の発生からその
日を含めて180日以内に死亡された場合
The insured amount （Note）for death will be
fully paid to the person who is entitled to
receive such payment.
(In the event that such person is not
stipulated, payment will be made to the legal
heir of the person covered by the insurance).
JPY 100,000
10万円
死亡保険金額（注）の全額を死亡保険金受取人（定めな
かった場合は被保険者の法定相続人）
にお支払いしま
す。
As a special agreement which excludes coverage for residual disability is included as part of a package, there will be no residual disability
insurance payment to be made. An insured amount for death officially refers to an insured amount for the death or residual disability, but, for
expedience, it is called insured amount for death under this insurance
（注）
この死亡保険金には後遺障害保険金対象外特約がセットされるため後遺障害保険金はありません。死亡保険金額は正式には死亡・後遺障害保険金額といいま
すが、
この保険では便宜的に死亡保険金額としています。
◆ Main cases in which an insurance payment will not be paid
◆保険金をお支払いしない主な場合
Type of insurance
payment
Main cases in which an insurance payment will not be paid
保険金の種類
保険金をお支払いしない主な場合
Disability
Death
insurance
insurance
payment
payment
傷害
保険金
30
死亡保険金
●Injury* due to the deliberate intention or gross negligence of the party to the insurance contract, the person covered by
the insurance, the parent or guardian of the person covered by the insurance, or the person who is entitled to receive an
insurance payment
●Injury due to suicidal action, criminal action, or personal combative action
●Injury while driving an automobile* without a license, driving* while under the influence of alcohol, or driving after
using drugs
●Injury due to a brain disorder, illness, or insanity
●Injury due to pregnancy, childbirth, premature birth, or miscarriage
●Injury due to a surgical operation or other medical treatment (Provided, however, that in the case of essentials for treatment* of an injury for which the underwriting insurance company is liable to pay an insurance payment, an insurance
<Explanations of terms marked with asterisks>
● Injury refers to an injury that the body incurred due to a sudden and coincidental external accident. Sudden means that the accident was unexpected
and that there was no time interval in the process up to the point at which the injury occurred. Coincidental means that the person covered by the
insurance was not able to anticipate the occurrence of the cause or result of the insurance accident, and that it was not based on intent of the person
covered by the insurance. External means that the cause of the insurance accident was due to an action that took place outside the body of the person
covered by the insurance, and was not caused by an illness within the body. Injury includes poisoning symptoms(*) that occur suddenly in the event
that a poisonous gas or a poisonous substance is accidentally and temporarily inhaled, absorbed, or ingested from outside the body, and does not include
situations that come under any of the following items: (1) Bacterial food poisoning (2) Viral food poisoning(*) Excludes poisoning symptoms that occur
as a result of continuous inhalation, absorption, or ingestion
● Objective medical opinion refers to a finding of an abnormality that can be identified through a physical examination, neurological examination, clinical
examination, or image examination.
●In the event that the person covered by the insurance is a medical doctor, physician refers to a medical doctor other than the person covered by the
insurance.
● Playing, etc. refers to a sports event, competition, performance (*) or test run. This also includes activities that are equivalent to playing, such as free
running on a sports ground. (*) All of these include practicing for the same.
● Treatment refers to treatment that a physician* has determined to be necessary and that is conducted by a physician.
● Cervical syndrome refers to so-called whiplash.
● Cast, etc. refers to a cast, plaster slab, bivalve cast, or similar (refers to items that are used to maintain the same degree of immobilization as a hard
corset, external fixator, or other medical cast, and does not include chest tape, soft corset, supporter, cervical collar, paperboard splint, or knee brace).
● Prescribed region that was injured refers to any of the following regions (excludes fingers and face):・Long bones (refers to humerus, radius, ulna, femur,
tibia, fibula; hereinafter the same) or the spinal column・The three major joint portions of the upper extremities or lower extremities that are connected to
the long bones (excluding metacarpal, metatarsal, or portion toward the fingertips)
Provided, however, that this shall be limited to cases in which a fixation device such as a cast, etc.* has been attached, including for long bones.
・Costae・Sternum (excludes clavicle, scapula.)
Provided, however, that this shall be limited to cases in which a fixation device such as a cast, etc. has been attached to the trunk of the body.
● Residual disability refers to a state in which there is no medical hope that treatment could be effective*, and where ongoing symptoms in the body of
the victim develop into a serious disability that will not be able to be cured in the future, or into a partial physical loss. Provided, however, that, even in
the event that the victim complains of symptoms, this excludes situations for which there is no objective medical opinion* that is sufficient to support the
complaint.
● Relative refers to a blood relative within six degrees of consanguinity, a spouse*, or an in-law within three degrees consanguinity.
● Outpatient treatment refers to visiting a hospital or clinic, or having a doctor make a house call, and receiving treatment*. Provided, however, that this
does not include procedures for the purpose of receiving medicine, written diagnosis, or medical equipment, etc. pursuant to treatment.
● Hospitalization refers to being admitted to a hospital or clinic because treatment* at home, etc. is difficult, and being subject to treatment under the
constant management of a physician*.
● Spouse refers to the other party in a marriage, and it includes persons who have not submitted notification of marriage but who are cohabiting in a
situation that is, in fact, the same as a marriage relationship (common-law marriage).
● Unmarried refers to the fact that the person has no history of marriage thus far.
● Aspiration refers to food, vomit, or saliva accidentally entering the trachea.
● Automobile, etc. refers to an automobile or motorized bicycle.
● Driving while under the influence of alcohol refers to driving an automobile* in a state of influence of alcohol as stipulated in Article 65.1 (Prohibition
of driving under the influence of alcohol) of the Road Traffic Act.
● Riding gear refers to an automobile*, motorboat (including jet skis), go-cart, snowmobile, or similar.
● Other uprising refers to another country s exercise of military force, revolution, government coup, civil strife, armed insurgency, or similar incident.
● Near drowning refers to asphyxiation due to inhalation of water.
(About special agreements)
31
◯ A special agreement for compensation for natural disaster risks is included as a package; therefore, even in the case of an injury* resulting from the
effects of an earthquake or eruption, or tsunami caused by an earthquake or eruption, an injury insurance payment will be paid.
◯All contracts automatically include a special agreement that makes partial revision in relation to exemption from liability for war risks with conditions
as part of a package; therefore, among the cases of war, other uprising*, or insurgency, where no insurance payment will be paid, terrorism actions will
be subject to payment. Terrorism action refers to a violent action carried out by a group, individual, or associated party that has political, social, religious,
or ideological principles or assertions in relation to such principles or assertions.
〈※印の用語のご説明〉
●
「ケガ」
とは、急激かつ偶然な外来の事故によって身体に被った傷害をいいます。
「急激」
とは、
「事故が突発的で、傷害発生までの過程において時間的間隔がないこ
と」
を意味します。
「偶然」
とは、
「保険事故の原因または結果の発生が被保険者にとって予知できない、被保険者の意思に基づかないこと」
を意味します。
「外来」
とは、
「保険事故の原因が被保険者の身体外部からの作用によること、
身体に内在する疾病要因の作用でないこと」
を意味します。
「傷害」には、
身体外部から有毒ガスまた
は有毒物質を偶然かつ一時に吸入、吸収または摂取した場合に急激に生ずる中毒症状（＊）を含み、次のいずれかに該当するものを含みません。①細菌性食中毒 ②ウイ
ルス性食中毒
（＊）
継続的に吸入、吸収または摂取した結果生ずる中毒症状を除きます。●「医学的他覚所見」
とは、理学的検査、神経学的検査、臨床検査、画像検
査等により認められる異常所見をいいます。●「医師」
とは、被保険者が医師の場合は、被保険者以外の医師をいいます。●「競技等」
とは、競技、競争、興行（＊）または
試運転をいいます。
また、競技場におけるフリー走行など競技等に準ずるものを含みます。
（＊）
いずれもそのための練習を含みます。●「治療」
とは、医師※が必要であると
認め、医師が行う治療をいいます。●「頸
（けい）
部症候群」
とは、
いわゆる
「むちうち症」
をいいます。●「ギプス等」
とは、
ギプス、
ギプスシーネ、
ギプスシャーレ、
シーネその
他これらに類するもの
（硬性コルセット、創外固定器、
その他医学上ギプスと同程度の安静を保つために用いるものをいい、
バストバンド、軟性コルセット、
サポーター、頸
（けい）
椎カラー、厚紙副子、
ニーブレース等は含まれません。）
をいいます。●「ケガを被った所定の部位」
とは、次のいずれかの部位
（指、顔面等は含まれません。）
をいい
ます。
・長管骨
（上腕骨、橈骨、尺骨、大腿骨、脛骨および腓骨をいいます。以下同様とします。）
または脊柱・長管骨に接続する上肢または下肢の3大関節部分
（中手
骨、中足骨およびそれらより指先側は含まれません）。ただし、長管骨を含めギプス等※の固定具を装着した場合に限ります。
・肋骨・胸骨（鎖骨、肩甲骨は含まれませ
ん。）
。ただし、体幹部にギプス等の固定具を装着した場合に限ります。●「後遺障害」
とは、治療※の効果が医学上期待できない状態であって、被害者の身体に残され
た症状が将来においても回復できない機能の重大な障害に至ったものまたは身体の一部の欠損をいいます。
ただし、被害者が症状を訴えている場合であっても、
それを
裏付けるに足りる医学的他覚所見※のないものを除きます。●「親族」
とは、6親等内の血族、配偶者※および3親等内の姻族をいいます。●「通院」
とは、病院もくしは診
療所に通い、
または往診により、治療※を受けることをいいます。ただし、治療を伴わない、薬剤、診断書、医療器具等の受領等のためのものは含みません。●「入院」
と
は、
自宅等での治療※が困難なため、病院または診療所に入り、常に医師※の管理下において治療に専念することをいいます。●「配偶者」
とは、婚姻の相手方をいい、
婚姻の届出をしていないが事実上婚姻関係と同様の事情
（内縁関係）
にある方を含みます。●「未婚」
とは、
これまでに婚姻歴がないことをいいます。●「誤嚥
（えん）
」
と
は、食物、吐物、唾液等が誤って気管内に入ることをいいます。●「自動車等」
とは、
自動車または原動機付自転車をいいます。●「酒気帯び運転」
とは、道路交通法第６
とは、
自動車等※、
モーターボート
（水上オートバイ
５条
（酒気帯び運転等の禁止）
第１項に定める酒気を帯びた状態で自動車等※を運転することをいいます。●「乗用具」
を含みます。）
、
ゴーカート、
スノーモービル、
その他これらに類するものをいいます。●「その他の変乱」
とは、外国の武力行使、革命、政権奪取、内乱、武装反乱その他こ
れらに類似の事変をいいます。●「溺水」
とは、水を吸引したことによる窒息をいいます。
〈特約について〉
○天災危険補償特約がセットされているため、地震もしくは噴火またはこれらを原因とする津波によるケガ※の場合も、傷害保険金をお支払いします。○
すべてのご契約に
「条件付戦争危険等免責に関する一部修正特約」
が自動的にセットされ、保険金をお支払いしない場合のうち
「戦争、
その他の変乱※、暴動」につい
ては、
テロ行為はお支払いの対象となります。テロ行為とは、政治的、社会的もしくは宗教・思想的な主義・主張を有する団体・個人またはこれと連帯するものがその主
義・主張に関して行う暴力的行動をいいます。
Sporting
activities that
are that
Is] not
subject
to coverage
保障対象外
となる運動等
Mountain climbing (*1), luge, bobsled, skeleton, operation (*3) of an airplane (*2), skydiving, flying a hang glider, flying an
ultra-light aircraft (*4), flying a gyroplane, or other similar dangerous exercise
(*1)Refers to pursuits that entail use of climbing gear such as ice axes, climbing spikes, climbing ropes, hammers, or to rock
climbing
(including free climbing)
(*2)Excludes gliders and dirigibles
(*3)Excludes cases of operation of such equipment as an occupational duty
(*4)Refers to motorized hang gliders, micro-light aircraft, and ultra-light aircraft, and excludes parachute-form ultra-light aircraft
(refers to paraplanes)
リュージュ、
ボブスレー、
スケルトン、航空機（＊2）操縦（＊3）、
スカイダイビング、
ハンググライダー搭乗、超軽量動力機（＊４）搭乗、
ジャ
山岳登はん（＊1）、
イロプレーン搭乗
その他これらに類する危険な運動
（＊１）
ピッケル、
アイゼン、
ザイル、
ハンマー等の登山用具を使用するもの、
ロッククライミング
（フリークライミングを含みます。）
をいいます。
（＊２）
グライダーおよび飛行船を除きます。
（＊３）
職務として操縦する場合を除きます。
（＊４）
モーターハンググライダー、
マイクロライト機、
ウルトラライ
ト機等をいい、
パラシュート型超軽量動力機
（パラプレーン等をいいます。）
を除きます。
4 4 Content of coverage (in the case of a compensated accident)
保障内容（賠償事故の場合）
◆ Cases in which an insurance payment will be paid
◆保険金をお支払いする場合
(1) Compensated accidents in daily life (including regular courses of study) (excluding cases of (2) below)
（1）
日常生活（正課の講義等を含む）における賠償事故（以下の（2）の場合を除く）
Types of insurance
payments
Cases in which an insurance payment will be paid
保険金の種類
保険金をお支払いする場合
Daily life personal liability
insurance payment
*Special agreement for
personal liability in daily
life
32
When legal liability for damage compensation is borne due to any of the reasons below:
(1) Harming another person s life or body, or damaging another person s property (*1), due to a coincidental accident
as listed below, during the insurance period
A. Coincidental accident arising out of possession, use, or management of a residence (*2)
B. Coincidental accident arising out of the everyday activities of the person covered by the insurance
(2) Damage, loss, or theft (*4) of entrusted items (*3) (limited to the period during which they are stored inside the
residence
(*5) or when that person temporarily manages them outside of the residence (*5))
*Special agreement related to partial change of
the special agreement for
personal liability in daily
life (expanded form
of compensation for
entrusted items) set
日常生活個人賠償責任保
険金
＊日常生活個人賠償責任
補償特約
＊日常生活個人賠償責任
補償特約の一部変更に
関する特約（受託品補償
拡大型）
セット
(*1): Includes information recorded in information equipment
(*2): Refers to a residence provided for that person to live in, and includes personal property and real estate within the
site
(*3): Entrusted items refers to property (*1) and/or rental items that the person has borrowed or temporarily received
from another person within Japan and that the insured person will manage. Provided, however, that this shall
exclude separately stipulated main entrusted items that are not subject to coverage.
(*4): Payment of an insurance payment for a reason listed in item (2) above is limited to damage or loss incurred as
a result of the person covered by the insurance bearing damage compensation liability to a person who has valid
rights to the entrusted items (*3).
(*5): Refers to a residence provided for that person to live in, and includes the site
Note: The scope of persons covered by the insurance is as stated below:
A. That person
B. That person s parent or a person legally obligated to conduct supervision over that person
C. That person s spouse
D. A relative of that person or of that person s spouse (blood relative within six degrees or in-law within three degrees)
living with that person, the parent or the spouse
E. An unmarried child of that person or the spouse, living separately from that person, the parent or the spouse
次のいずれかの事由により、法律上の損害賠償責任を負われた場合
を壊したりしたこと。
①保険期間中の次の偶然な事故により、他人の生命または身体を害したり、他人の物（＊1）
ア．
住宅（＊2）
をの所有、使用または管理に起因する偶然な事故
イ．
被保険者の日常生活に起因する偶然な事故
②受託品（＊3）の損壊、紛失または盗取（＊4）
（住宅（＊5）内保管中または本人によって一時的に住宅（＊5）外で管理している間に限り
ます。）
（＊１）
情報機器等に記録された情報を含みます。
（＊２）
本人の居住の用に供される住宅をいい、敷地内の動産および不動産を含みます。
・レンタル用品等で、本人が管理するもの
（＊３）
「受託品」
とは、本人が日本国内において他人から借りた、
または預かった財物（＊1）
をいいます。
ただし、別記の「保障対象外となる主な
『受託品』」
を除きます。
（＊４）
上記②に掲げる事由に対して保険金を支払うのは、被保険者が、受託品（＊3）につき正当な権利を有する者に対して損害賠
償責任を負担することによって被った損害に限ります。
（＊５）
本人の居住の用に供される住宅をいい、敷地を含みます。
（注）
被保険者の範囲は、次のとおりです。
ア．
本人、
イ．
親権者およびその他の法定の監督義務者、
ウ．
配偶者、
エ．
本人・親権者・配偶者と同居の本人・配偶者の親族
（６親
等内の血族および３親等内の姻族）
、
オ．
本人・親権者・配偶者と別居の本人・配偶者の未婚の子
Daily life personal
When another person s life or body has been harmed due to an accident as listed above and the insured person
liability insurance
bears legal liability for damage compensation, and the victim comes under any of the items below:
payment(extraordinary (1) When the person died as a direct result of the accident
expenses) *Special
(2) When the person was hospitalized at a hospital or clinic for 20 or more days as a direct result of the accident
agreement for
Note: The scope of persons covered by the insurance is as stated below:
personal liability in
A. That person
daily life
B. That person s parent or a person legally obligated to conduct supervision over that person
*Special agreement
C. That person s spouse
related to partial
D. A relative of that person or of that person s spouse (blood relative within six degrees or in-law within three
change of the special
degrees) living with that person, the parent or the spouse
agreement for
E. An unmarried child of that person or the spouse, living separately from that person, the parent or the spouse
compensation of
上記の事故により、他人の生命または身体を害し、法律上の損害賠償責任を負担する場合であって、被害者が次のいずれかに該当
personal liability in
したとき。
daily life (expanded
form of compensation ①事故の直接の結果として死亡した場合
②事故の直接の結果として病院または診療所に２０日以上入院※した場合
for entrusted items)
（注）
被保険者の範囲は、次のとおりです。
package
ア．
本人、
イ．
親権者およびその他の法定の監督義務者、
ウ．
配偶者、
エ．
本人・親権者・配偶者と同居の本人・配偶者の親族
（６親等
日常生活個人賠償責任保
内の血族および３親等内の姻族）
、
オ．
本人・親権者・配偶者と別居の本人・配偶者の未婚の子
険金（臨時費用）
＊日常生活個人賠償責任
補償特約
＊日常生活個人賠償責任
補償特約の一部変更に
関する特約（受託品補償
拡大型）
セット
(2)Compensated accidents (personal rights infringement) and loss due to expenses (expenses for preventing
infection accident damage) in regular courses of study
（2）正課の講義等における賠償事故（人格権侵害）・費用損害（感染事故損害防止費用）
Types of insurance
Payments
Cases in which an insurance payment will be paid
保険金の種類
保険金をお支払いする場合
Personal rights
infringement liability
insurance payment
*Insurance for liability for the owner
(manager) of facilities
and insurance for
liability for products +
When the person covered by the insurance bears a legal obligation for damage compensation due to an unjustifiable
action that comes under any of the items below in a regular course of study:
(a) Violation of liberty through unjust physical restraint, or defamation of character
(b) Defamation of character or violation of privacy through an answer, document, drawing, video, or other equivalent
display action
Note1: The scope of persons covered by the insurance (persons who can receive coverage under the insurance
contract): The person who purchased the insurance
Note2: Scope of regular courses of study: ● Regular curriculums, which refers to lectures, experiments, practical
training, and exercises handled as courses under regular curriculum courses of universities (including practical
33
a special agreement
for student compensation liability
training related to treatment, such as clinical training and nursing training) ● School events, which refers to
school events or events held by universities as part of educational activities (including events other than
regular curriculum courses held by universities ) ● Teaching practice, which refers to students teaching
practice as stated in Article 6 column 5 of the Ordinance for Enforcement of the Teachers License Act,
conducted in order to earn the credit stipulated in item 1, item 2, or item 2.2 of the appendix to Article 5.1 of
the Teachers License Act ● Special practical training, which refers to opportunities made available to
students for gaining such experiences as providing nursing care/assistance to persons with disabilities/elderly
persons, and interacting with such persons, at a special-needs school or social welfare facilities as are
selected from those schools or facilities stipulated in Article 2 of the Act on Special Provisions concerning the
Teachers License Act in Relation to Granting Regular Licenses to Teachers of Elementary Schools and Lower
Secondary Schools, by the Minister of Education, Culture, Sports, Science and Technology and the Minister
of Health, Labour and Welfare through mutual consultation ● Internship, which refers to internships or work
experiences conducted by the person purchasing the insurance (person covered by the insurance) in relation
to his or her major or future career while he or she is in school (not including part-time jobs) ● Volunteer
activities which are equivalent to school curriculum courses and school events, which refers to volunteer
activities that the person purchasing the insurance (person covered by the insurance) conducts in a manner
that is equivalent to regular curriculum courses or school events (not including volunteer activities conducted
as club activities or group activities)
人格権侵害賠償責任保険
金
＊施設所有（管理）者賠償
責任保険・生産物賠償責
正課の講義等において次のいずれかに該当する不当な行為により被保険者が法律上の損害賠償責任を負担した場合。
任保険
（a）
不当な身体の拘束による自由の侵害もしくは名誉毀
（き）
損
＋学生賠償責任補償特
（b）口答、文書、図画、映像その他これらに類する表示行為による名誉毀
（き）
損またはプライバシーの侵害
約
（注１）
被保険者
（保険契約により保障を受けられる方）
の範囲：ご加入者
（注2）
正課の講義等の範囲：●正課の講義／大学が授業として取り扱う講義、実験、実習、演習等をいいます。
（臨床実習、看護実
習等の医療関連実習も含みます。）
●学校行事／大学が教育活動の一環として主催する行事をいいます。
（正課の講義以外
の大学が主催する行事を含みます。）
●教育実習／教育職員免許法第5条1項の別表第1、第2もしくは第2の2に定める単位
修得のために行う、教育職員免許法施行規則第6条第5欄に掲げる教育実習をいいます。●特例実習／小学校および中学
校の教諭の普通免許状授与に係る教育職員免許法の特例等に関する法律第2条に定める特別支援学校または社会福祉
施設その他の施設で文部科学大臣が厚生労働大臣と協議して定めるものにおいて行われる、障がい者、高齢者等に対する
介護、介助、
これらの方との交流等の体験をいいます。●インターンシップ／加入者
（被保険者）
が在学中に自らの専攻、将来
のキャリアに関連した就業体験を行うことをいいます。
（アルバイトは含みません。）
●正課の講義、学校行事に準じるボランティ
ア活動／正課の講義・学校行事に準じて加入者
（被保険者）
が行うボランティア活動をいいます。
（部活動、
サークル活動とし
て行うボランティア活動は含みません。）
Infection accident
damage prevention
expenses insurance
payment
*Insurance for liability
for the owner
(manager) of facilities
and insurance for
liability for products
+ a special agreement
for student
compensation liability
In the event that a third party s body has incurred or could incur damage due to infection as a result of an accident in
a regular course of study, when the person covered by the insurance has borne infection accident damage prevention
expenses (expenses paid after obtaining the underwriting insurance company s agreement, in order to prevent or treat
infection)
Note1: Scope of persons covered by the insurance: Same as for the aforementioned personal rights infringement liability
insurance payment (Note1)
Note2: Scope of regular courses of study: Same as for the aforementioned personal rights infringement liability insurance
payment (Note2)
正課の講義等における事故により、第三者の身体に感染による障害が発生またはそのおそれがある場合において、被保険者が感染
（感染の予防または治療のために、
引受保険会社の同意を得て支出した費用）
を負担した場合
感染事故損害防止費用保 事故損害防止費用
（注1）
被保険者の範囲：上記人格権侵害賠償責任保険金
（注1）
に同じ
険金
正課の講義等の範囲：上記人格権侵害賠償責任保険金
（注2）
に同じ
＊施設所有（管理）者賠償 （注2）
責任保険・生産物賠償責
任保険
＋学生賠償責任補償特
約
◆ Amounts to be paid for insurance payments
◆保険金のお支払額
Type of insurance
payment
Amounts to be paid for insurance payments
保険金の種類
保険金のお支払額
Daily life personal
liability insurance
payment
*Special agreement for
compensation of
personal liability in
daily life
*Special agreement related to partial change
of a special agreement
for compensation of
personal liability in
daily life (expanded
form of compensation
for entrusted items)
package
34
The amount of legal damages payable to a person with the right to claim damage compensation (including delay
damages based on a judgment) and lawsuit expenses (*) will be paid.
(*): The underwriting insurance company s written agreement is required.
Note1: The amount of payment for legal and delay damages for one accident is limited to the insured amount of the
daily life personal liability insurance. Provided, however, that, for an accident only involving information recorded in
an information device, the limit for one accident will be JPY 5,000,000.
Note2: The underwriting insurance company s prior approval is required for decisions about the amount of payable
damages, etc.
Note3: For an accident that occurred in Japan, out-of-court settlement negotiations will be undertaken based on a
request by the person covered by the insurance. However, please note that it will not be possible to carry out out-ofcourt settlement negotiations in the following cases: where the person with the right to claim damage compensation
does not agree; where the amount of legal damages payable by the person covered by the insurance clearly exceeds
the insured amount of the daily life personal liability insurance; where the person covered by the insurance has refused
to cooperate without a valid reason; or where a lawsuit related to the claim for damage compensation has been
initiated in a court outside of Japan.
Note4: In the event that the contents of coverage also appear in a similar insurance contract (including special agreements for different insurance types and insurance contracts with companies other than the underwriting insurance
company), coverage may overlap. Please check differences in the contents of coverage, insured amounts, and
whether or not purchasing is necessary, before you make a purchase.
日常生活個人賠償責任保
険金
＊日常生活個人賠償責任
補償特約
＊日常生活個人賠償責任
補償特約の一部変更に
関する特約（受託品補償
拡大型）
セット
損害賠償請求権者に対して負担する法律上の賠償責任の額
（判決による遅延損害金を含みます。）
および訴訟費用（＊）等をお支払
いします。
（＊）
引受保険会社の書面による同意が必要となります。
（注１）
法律上の損害賠償責任の額および判決による遅延損害金のお支払額は、
１回の事故につき、
日常生活個人賠償責任保険
金額が限度となります。
ただし、情報機器等に記録された情報のみの事故については、
１回の事故につき、
５００万円が限度とな
ります。
（注２）
損害賠償金額等の決定については、
あらかじめ引受保険会社の承認を必要とします。
（注３）
日本国内において発生した事故については、被保険者のお申出により、示談交渉をお引受します。
ただし、損害賠償請求権者
が同意されない場合、被保険者が負担する法律上の損害賠償責任の額が日常生活個人賠償責任保険金額を明らかに超え
る場合、正当な理由なく被保険者が協力を拒んだ場合、損害賠償請求に関する訴訟が日本国外の裁判所に提起された場合
には示談交渉を行うことができませんのでご注意ください。
（注４）
保障内容が同様の保険契約
（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）
が他にある場合、保障
の重複が生じることがあります。保障内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
Daily life personal
Expenses that are extraordinarily required by the person covered by the insurance will be paid.
liability insurance
Note1: The payment amounts of insurance payments are limited to the amounts below for one victim whose life or
payment (extraordinary
body was harmed due to one accident:
expenses)
In the case of (1) for the aforementioned Cases in which an insurance payment will be paid : Limited to JPY
*Special agreement for
100,000
compensation of
In the case of (2) for the aforementioned Cases in which an insurance payment will be paid : Limited to
personal liability in daily
JPY 20,000
life
Note2: In the event that the contents of coverage also appear in a similar insurance contract (including special
*Special agreement
agreements for different insurance types and insurance contracts with companies other than the underwriting
related to partial change
insurance company), coverage may overlap. Before you make a purchase, please check differences in the
of a special agreement
contents of coverage, insured amounts, and whether or not purchasing is necessary.
for compensation of
personal liability in daily
life (expanded form of
compensation for
entrusted items) package
日常生活個人賠償責任保 被保険者が臨時に必要とする費用をお支払いします。
険金（臨時費用）
（注１）
保険金のお支払額は、
１回の事故によって生命または身体を害した被害者１名につき、次の額が限度となります。
＊日常生活個人賠償責任
上記「保険金をお支払いする場合」の①の場合…１０万円限度
補償特約
上記「保険金をお支払いする場合」の②の場合… ２万円限度
＊日常生活個人賠償責任 （注２）
保障内容が同様の保険契約
（異なる保険種類の特約や引受保険会社以外の保険契約を含みます。）
が他にある場合、保障
補償特約の一部変更に
の重複が生じることがあります。保障内容の差異や保険金額、加入の要否をご確認いただいたうえでご加入ください。
関する特約（受託品補償
拡大型）
セット
Personal right[s]
infringement liability
insurance payment
*Insurance for liability for
the owner (manager) of
facilities and insurance
for liability for products +
a special agreement
for student
compensation liability
The amount of legal damages payable to a person with the right to claim damage compensation (including delay
damages based on a judgment) and lawsuit expenses (*) will be paid.
(*): The underwriting insurance company s written agreement is required.
Note1: The payment amount for an insurance payment is limited to JPY 5,000,000 for each insurance year (refers
to each 12 month period from the coming April 1 during the insurance period until March 31 of the following
year).
Note2: The underwriting insurance company s prior approval is required for decisions about the amount of payable
damages, etc.
（判決による遅延損害金を含みます。）
および訴訟費用（＊）等をお支払
人格権侵害賠償責任保険 損害賠償請求権者に対して負担する法律上の賠償責任の額
いします。
金
引受保険会社の書面による同意が必要となります。
＊施設所有（管理）者賠償 （＊）
保険金のお支払額は、各保険年度
（保険期間中に到来する4月1日から翌年3月31日までの1年ごとのことをいいます。）
につ
責 任 保 険・生 産 物 賠 償 （注１）
責任保険＋学生賠償責
き、500万円が限度となります。
任補償特約
（注２）
損害賠償金額等の決定については、
あらかじめ引受保険会社の承認を必要とします。
Infection accident
damage prevention
expenses insurance
payment
*Insurance for liability for
the owner (manager) of
facilities and insurance
for liability for products
+ a special agreement
for student
compensation liability
Infection accident damage prevention expenses (expenses paid after obtaining the underwriting insurance company s
agreement, in order to prevent or treat infection) borne by the person covered by the insurance will be paid.
Note1: The payment amount for an insurance payment is limited to JPY 5,000,000 for each insurance year (refers
to each 12 month period from the coming April 1 during the insurance period until March 31 of the following
year).
Note2: The underwriting insurance company s prior approval is required for decisions about the payment amount
of damage prevention expenses.
（感染の予防または治療のために、
引受保険会社の同意を得て支出した費用）
をお支
感染事故損害防止費用保 被保険者が負担した感染事故損害防止費用
払いします。
険金
保険金のお支払額は、各保険年度
（保険期間中に到来する4月1日から翌年3月31日までの1年ごとのことをいいます。）
につ
＊施設所有（管理）者賠償 （注１）
き、500万円が限度となります。
責 任 保 険・生 産 物 賠 償
損害防止費用の支払額の決定については、
あらかじめ引受保険会社の承認を必要とします。
責任保険＋学生賠償責 （注２）
任補償特約
* In the event that an insurance payment or mutual insurance payment was paid under another insurance contract, the insurance payment may be reduced
accordingly.
※他の保険契約等から保険金または共済金が支払われた場合は、保険金が差し引かれることがあります。
35
◆ Main cases in which an insurance payment will not be paid
For explanations of terms marked with an asterisk, please read Page 32.
◆保険金をお支払いしない主な場合 ※印の用語説明はP32をお読みください。
Compensated accident in daily life (including regular courses of study)
日常生活（正課の講義等を含む）における賠償事故
Compensated accidents (personal rights impingement damage) and loss due to expenses in regular
courses of study
正課の講義等における賠償事故（人格権侵害）
・費用損害
(1) Damage due to deliberate intent of the party to the insurance contract or the person covered by the insurance
(2) Liability for damage compensation due to breakage of an item that was borrowed or temporarily received from another person (excluding
entrusted items stored inside the residence or when that person temporarily manages such item outside of the residence)
(3) Liability for compensation for damage arising out of a physical disability incurred by an employee of the person covered by the insurance while
engaged in work
(4) Liability for damage compensation due to violence or battery caused by the person covered by the insurance or administered on the
instructions of the person covered by the insurance
(5) Damage arising out of war, uprising* or insurgency
(6) Damage due to the effects of an earthquake or eruption, or of a tsunami caused by an earthquake or eruption
(7) Damage due to the radioactivity or explosiveness of nuclear fuel material, etc.
(8) Liability for compensation for damage directly caused by work performance (excluding part-time jobs and internships) by the person covered
by the insurance (liability for compensation for work damage)
(9) Liability for compensation for damage to a relative who lives with the person covered by the insurance
(10) Liability for compensation for damage caused by a vehicle such as an automobile* (excluding golf carts within the site of a golf course), ship,
aircraft, firearm, personal property used for work, or arising out of the possession, use, or management of real estate used for work purposes
(11) Liability for compensation for damage, which liability was increased by way of a special agreement with a third party in relation to damage
compensation
(12) Liability for compensation for damage caused due to psychiatric disorder
①保険契約者または被保険者の故意による損害②他人から借りたり預かったりした物
（住宅内保管中または本人によって一時的に住宅外で管理している受託品
を除く）
を壊したことによる損害賠償責任③被保険者の使用人が業務従事中に被った身体の障害に起因する損害賠償責任④被保険者または被保険者の指図に
よる暴行、殴打による損害賠償責任⑤戦争、
その他の変乱※、暴動による損害⑥地震もしくは噴火またはこれらを原因とする津波による損害⑦核燃料物質等の放
射性・爆発性等による損害⑧被保険者の職務遂行
（アルバイトおよびインターンシップを除きます。）
に直接起因する損害賠償責任
（仕事上の損害賠償責任）
⑨被
（ゴルフ場敷地内におけるゴルフカートを除きます。）
、船舶、航空機、銃器、職務のために使用す
保険者と同居する親族に対する損害賠償責任⑩自動車等※の車両
る動産または不動産の所有、使用または管理に起因する損害賠償責任⑪第三者との損害賠償に関する約定によって加重された損害賠償責任⑫心神喪失に起
因する損害賠償責任
In addition to items (1) - (7) and items (9) and (11) above,
Compensated accidents related to entrusted items
these will be as stated below.
受託品に関する賠償事故
●Compensation liability caused by an automobile or
In addition to item (1) and items (3) ‒ (12) above, these will be as stated below.
arising out of possession, use, or management of a
●Damage to entrusted items due to suicidal action, criminal action or combative action
ship or vehicle outside the facilities
●Damage to entrusted items due to an accident while driving an automobile, etc. without
●Treatment or examination expenses for an infectious
a license or under the influence of alcohol, or after using drugs, etc.
disease with which the person was already infected
●Damage to entrusted items due to exercise of public authority (seizure, confiscation,
before the insurance period began
breakage, etc.)
●Compensation liability arising out of discharged water
●Spontaneous fire or natural explosion that occurred in entrusted items
or emissions (including smoke)
●Damage due to an electric accident or mechanical accident (malfunction, etc.) of
●Compensated accident attributable to management
entrusted items that was not directly caused by a coincidental external accident
liability of the person covered by the insurance (person
●Damage to entrusted items due to natural wear and tear or characteristic heat, rust,
who purchased the insurance) that should be borne by
mold, color change, rodent damage, insect damage, or defect
the university
●Damage to entrusted items due to damage caused by rain, snow, or hail that enters a
上記①〜⑦、
⑨、⑪に加え、以下のとおり。
roof, door, window, or ventilation pipe
●自動車、施設外における船舶または車両の所有、使用ま
●Damage compensation liability for damage to entrusted items that was discovered after
たは管理に起因する賠償責任●保険期間開始前に既に感染
handover
●Liability for compensation for damage due to entrusted items becoming unusable していた感染症にかかる治療、検査費用 ●排水または排気
（煙を含みます。）に起因する賠償責任 ●大学が負担すべき
(reduction of earnings, etc.)
被保険者（加入者）の管理責任にかかわる賠償事故 など
●Liability for compensation for damage caused by significant variance from the care in
handling that is ordinarily required or arising out of use of entrusted items for other than
their original purpose
●Damage to separately stated main entrusted items that are not subject to coverage
上記①、③〜⑫に加え、以下のとおり。
●自殺行為、犯罪行為または闘争行為による受託品の損害●自動車等の無資格運転、酒気
帯び運転※または麻薬等を使用しての運転中の事故による受託品の損害●公権力の行使
（差
し押え・没収・破壊等）
による受託品の損害●受託品に生じた自然発火または自然爆発●偶然
な外来の事故に直接起因しない受託品の電気的事故・機械的事故
（故障等）
による損害●自
然消耗、性質による蒸れ・腐敗・さび・かび・変色、
ねずみ食い、虫食い、欠陥による受託品の損
害●屋根、扉、窓、通風筒等から入る雨、雪または雹
（ひょう）
による損壊による受託品の損害●
引き渡し後に発見された受託品の損壊による損害賠償責任●受託品を使用不能にしたことに
よる損害賠償責任
（収益減少等）
●通常必要とされる取扱い上の注意に著しく反したことまたは
本来の用途以外に受託品を使用したことに起因する損害賠償責任●別記の「保障対象外と
なる主な
『受託品』」の損害
⦿Main “entrusted items” that are not subject to coverage: Currency, savings deposit certificates, negotiable securities, revenue stamps, stamps,
manuscripts (manuscripts for books, etc.), designs, charts, certificates, ledgers, precious metals, jewels, calligraphic works, antiques, sculptures,
artworks, vehicles (including trailers), motorized bicycles, ships (including yachts, motorboats, and boats), aircrafts and their accessories, bicycles,
surfboards, windsurfing boards, radio-controlled models and their accessories, mobile communication terminal equipment such as mobile phones
(including PHS) and their accessories, portable electronic devices such as laptop or notebook computers, portable game devices, electronic organizers, electronic dictionaries, or electronic books and their accessories, portable audio equipment such as portable audio players and their accessories,
portable recording devices such as portable recorders and their accessories, firearms, swords, implements for exercise during the time that the
“exercise that is not subject to coverage” mentioned above is being conducted, living animals or plants, buildings (including tatami mats, fittings,
bathtubs, sinks, burners, counters, shelves, and electricity, gas, heating, or cooling equipment and other accessory equipment), gates, walls, fences,
36
sheds, garages, and other accessory buildings
(Notes) The following items which are used in regular courses of study (*1) for the purposes of such courses will be covered by insurance: vehicles
(including trailers; limited to items that are provided for operation only in off-road areas and small special automobiles that have been manufactured
for the purpose of provision for agricultural work) , motorized bicycles (limited to items that are provided for operation only in off-road areas), bicycles,
radio-controlled models, mobile communication terminal equipment such as mobile phones (including PHS) and their accessories, portable electronic
devices such as laptop or notebook computers, portable game devices, electronic organizers, electronic dictionaries, or electronic books and their
accessories, portable audio equipment such as portable audio players and their accessories, portable recording devices such as portable recorders and
their accessories, and implements for exercise during the time in which mountain climbing (*2) is conducted.
(*1): Refers to the items listed below
●a. Lectures, experiments, practical training, and exercises treated as courses by the university, etc. (*3)
●b. Events held by the university, etc. (*3) as part of educational activities
●c. Studentsʼ teaching practice as stated in Article 6 column 5 of the Ordinance for Enforcement of the Teachers License Act, conducted in order to earn
the credits stipulated in item 1, item 2, or item 2.2 of the appendix to Article 5.1 of the Teachers License Act (Law no. 147 of 1949)
●d. Opportunities made available to students for gaining such experiences as providing nursing care/assistance to persons with disabilities/elderly
persons and interacting with such persons, at such special-needs schools and social welfare facilities as are selected from those schools or facilities
stipulated in Article 2 of the Act on Special Provisions concerning the Teachers License Act in Relation to Granting Regular Licenses to Teachers of
Elementary Schools and Lower Secondary Schools (Law no. 90 of 1997) by the Minister of Education, Culture, Sports, Science and Technology and the
Minister of Health, Labor and Welfare through mutual consultation.
●e. Internships
●f. Volunteer activities equivalent to a. or b. Provided, however, that volunteer activities conducted as club activities or group activities are not included.
(*2): Refers to activities using climbing gear such as ice axes, climbing spikes, climbing ropes, and hammers, and to rock climbing (including free
climbing)
(*3): Refers to universities, graduate schools, junior colleges, and technical colleges based on the School Education Act (Law no. 26 of 1947), and equivalent educational organizations
◎保障対象外となる主な「受託品」…通貨、預貯金証書、有価証券、印紙、切手、稿本（本などの原稿）、設計書、図案、証書、帳簿、貴金属、宝石、書画、骨董（とう）、
彫刻、美術品、
自動車（被牽（けん）引車を含みます。）
・原動機付自転車・船舶（ヨット、
モーターボートおよびボートを含みます。）
・航空機およびこれらの付属品、
自転車・
サーフボード・ウインドサーフィン・ラジコン模型およびこれらの付属品、携帯電話（ＰＨＳを含みます。）等の移動体通信端末機器およびこれらの付属品、ラップトッ
プまたはノート型のパソコン・携帯ゲーム機・電子手帳・電子辞書・電子書籍等の携帯式電子機器およびこれらの付属品、携帯オーディオプレーヤー等の携帯式
音響機器およびこれらの付属品、携帯レコーダー等の携帯式録音機器およびこれらの付属品、銃砲、刀剣、上記の「保障対象外となる運動等」を行っている間
のその運動等のための用具、動物・植物等の生物、建物（畳、建具、浴槽、流し、
ガス台、調理台、棚および電気・ガス・暖房・冷房設備その他の付属設備を含みます。）、
門、塀・垣、物置、車庫
その他の付属建物
など
（注）正課の講義等（＊1）において、その目的にしたがって使用している自動車（被牽（けん）引車を含みます。また、道路以外の場所においてのみ運行の用に供
するものおよび農耕作業の用に供する目的として製作された小型特殊自動車に限ります。）、原動機付自転車（道路以外の場所においてのみ運行の用に供す
るものに限ります。）、自転車、ラジコン模型、携帯電話（ＰＨＳを含みます。）等の移動体通信端末機器およびこれらの付属品、ラップトップまたはノート型の
パソコン・携帯ゲーム機・電子手帳・電子辞書・電子書籍等の携帯式電子機器およびこれらの付属品、携帯オーディオプレーヤー等の携帯式音響機器お
よびこれらの付属品、携帯レコーダー等の携帯式録音機器およびこれらの付属品、山岳登はん（＊2）を行っている間のその運動等のための用具は保障されます。
大学等（＊3）が教育活動の一環として主催する行事●ウ．
教育職
（＊１）
次に掲げるものをいいます。●ア．
大学等（＊3）が授業として取り扱う講義、実験、実習、演習等●イ．
員免許法
（昭和24年法律第147号）
第５条第１項の別表第１、別表第２または別表第２の２に定める単位習得のために行う教育職員免許法施行規則第６条第
５欄に掲げる教育実習●エ．
小学校及び中学校の教論の普通免許状授与に係る教育職員免許法の特例等に関する法律
（平成9年法律第90号）
第２条に定
める、特別支援学校又は社会福祉施設その他の施設で文部科学大臣が厚生労働大臣と協議して定めるものにおいて行われる、障害者、高齢者等に対する介
護、介助、
これらの者との交流等の体験●オ．
インターンシップ●カ．
ア．
またはイ．
に準じるボランティア活動。
ただし、部活動、
サークル活動として行うボランティア活
動は含みません。
（＊２）
ピッケル、
アイゼン、
ザイル、
ハンマー等の登山用具を使用するもの、
ロッククライミング
（フリークライミングを含みます。）
をいいます。
（＊３）
学校教育法
（昭和22年法律第26号）
に基づく大学、大学院、短期大学、高等専門学校およびこれと同等の教育機関をいいます。
5 Content of coverage (compensation expenses)
保障内容（見舞費用）
◆ Cases in which an insurance payment will be paid
◆保険金をお支払いする場合
※For terms marked with an asterisk, please read Explanation of terms marked with an asterisk on Page 32. (An asterisk is only used in the first
instance of a particular term in each column.)
※印を付した用語については、P32 の「※印の用語のご説明」をご覧ください。（各欄の初出時のみ※印を付しています。）
Types of insurance
payment
保険金の種類
Insurance payment
to cover expenses
of expressing
sympathy to the
injured
*Special agreement
for reimbursing
expenses of
expressing sympathy to the injured
傷害見舞費用保険金
＊傷 害 見 舞 費 用 補 償
特約
Cases in which an insurance
payment will be paid
保険金をお支払いする場合
In the event that an injury* is incurred by another
person due to a coincidental accident arising
out of an action of the person covered by the
insurance during the insurance period, where
the person covered by the insurance, without
paying damages to the injured, pays condolence
or sympathy money to or procures sympathy gifts
for the injured party as a common practice
Note1: Limited to expenses paid after obtaining
the underwriting insurance
company s agreement
Note2: The scope of the persons covered by
the insurance is as stated below. In the
event that the person of item A. or any of
those of items C. through E. is incapacitated, either the person s parent, a person
having a legal obligation for supervision of
the incapacitated person or a person who
cares for the incapacitated person in place
of one with an obligation for supervision of
Amount of insurance payment to be paid
保険金のお支払額
The actual amount that was borne will be paid, limited to the
amounts below for one victim. Provided, however, that payment will
be limited to JPY
1,000,000 for one accident.
(1) When the victim has died within 180 days (including the date of
the accident) of occurrence of the accident JPY 500,000 (*1)
(2) When the victim has developed a residual disability* within 180
days (including the date of the accident) of occurrence of the
accident 100% - 4% of JPY 500,000
(The ratio in accordance with the residual disability class chart
for injury insurance payments)
(3) In the event that the victim was hospitalized* for treatment* of an
injury* that was caused by the accident
A. When the period of hospitalization is 31 days or longer: JPY
100,000
B. When the period of hospitalization is between 15 days and 30
days: JPY 50,000
C. When the period of hospitalization is between 8 and 14 days:
JPY 30,000
D. When the period of hospitalization is 7 days or shorter: JPY
37
the incapacitated person (limited to a
blood relative within six degrees or a
spouse* or an in-law within three degrees
of the incapacitated person) will be
designated as the person covered by the
insurance.
A. That person,
B. That person s parent or a person legally
obligated to conduct supervision over that
person
C. That person s spouse
D. A relative of that person or of that person s
spouse (blood relative within six degrees or
in-law within three degrees) living with that
person, the parent or the spouse
E. An unmarried child of that person or the
spouse, living separately from that person,
the parent or the spouse
Insurance payment
to cover expenses of
expressing sympathy
to the injured
*Special agreement
for reimbursing
expenses of
expressing sympathy
to the injured
保険期間中の被保険者の行為による偶然な事故によ
り他人が被ったケガ※について、損害賠償金を支払うこ
となく、慣習として弔慰金や入院見舞金等を支払われた
場合および見舞品を購入された場合
（注１）
引受保険会社の同意を得て支払われた費用に
限ります。
傷害見舞費用保険金
被保険者の範囲は、次のとおりです。なお、
ア．
お
＊傷 害 見 舞 費 用 補 償 （注２）
よびウ．
か
らオ．
までの方が責任無能力者である場
特約
合は、親権者・法定監督義務者・監督義務者に
代わって責任無能力者を監督する方
（責任無能
力者の６親等内の血族、配偶者 ※および３親等
内の姻族に限ります。）
を被保険者とします。ア．
本人、
イ．
親権者およびその他の法定の監督義
務者、
ウ．
配偶者、
エ．
本人・親権者・配偶者と同居
の本人・配偶者の親族
（６親等内の血族および３
親等内の姻族）
、
オ．
本人・親権者・配偶者と別居
の本人・配偶者の未婚※の子
15,000
(4) In the event that the victim received outpatient treatment* for
treatment* of an injury* that was caused by the accident (*2)
A. When the number of days of outpatient treatment is 31 or
more: JPY 50,000
B. When the number of days of outpatient treatment is between
15 and 30 : JPY 30,000
C. When the number of days of outpatient treatment is between
8 and 14 : JPY 20,000
D. When the number of days of outpatient treatment is 7 or
fewer: JPY 10,000
(*1): In the event that there is a Insurance payment for covering
expenses of expressing sympathy to the injured with residual
disability that has already been paid, this will be the balance
after the amount that was already paid is subtracted from JPY
500,000.
(*2): When the person will not receive outpatient treatment but,
instead, will regularly wear a cast* in accordance with the
instructions of a physician* in order to stabilize a prescribed
region* that incurred an injury, such as a broken bone, dislocation, or ligament injury, it will be deemed that the person received
outpatient treatment for that number of days.
Note: In the event that the contents of coverage also appear in a
similar insurance contract (including special agreements for
different insurance types and insurance contracts of companies
other than the underwriting insurance company), coverage may
overlap. Before you make a purchase, please check differences
in the contents of coverage, insured amounts, and whether or not
purchasing is necessary.
symptom, issues for which there is no objective medical opinion* sufficient to support the complaint
●Near-drowning* while bathing (Provided, however, that this shall exclude cases in which the person
an injury due to a sudden and coincidental external accident.)
●Pneumonia that occurred as a result of aspiration*, irrespective of the cause
傷害見舞費用保険金
＊傷 害 見 舞 費 用 補 償
特約
s body incurred
●保険契約者または被保険者の故意または重大な過失による費用●被保険者または被保険者の指図による暴行、殴打によるケガ※
●被保険者の職務遂行に起因するケガ●被保険者と同居する親族※が被ったケガ●被保険者の使用人
（家事使用人を除きます。）
が
業務中に被ったケガ●自動車等※の車両、船舶、航空機、銃器の所有、使用または管理に起因するケガ●戦争、
その他の変乱※、暴動
による費用
（テロ行為によるケガは、条件付戦争危険等免責に関する一部修正特約により、保険金の支払対象となります。）
●地震もし
くは噴火またはこれらを原因とする津波による費用●核燃料物質等の放射性・爆発性等による費用●原因がいかなるときでも、頸
（け
それを裏付けるに足りる医学的他覚所見※のないもの●入浴中の溺水※
（ただ
い）
部症候群※、腰痛その他の症状を訴えている場合に、
※
し、急激かつ偶然な外来の事故によってその身体に被ったケガによって生じた場合を除きます。）
●原因がいかなるときでも、
誤嚥
（えん）
によって生じた肺炎
・The notation for coverage in Outline of the system and Explanation of important matters for personal liability insurance for students is compensation
in the terms and conditions. For expedience in this pamphlet, it is coverage.
・学生賠償責任保険の「制度のあらまし」
「重要事項説明書」
にある
「保障」
は、約款上の表記は
「補償」
です。
このパンフレットでは便宜上「保障」
としています。
被害者１名につき次の金額を限度として、実際に負担された額をお支払いし
ます。
ただし、
１回の事故について、
１００万円がお支払いの限度となります。
①被害者が事故の発生の日からその日を含めて１８０日以内に死亡した場合
５０万円（＊1）
②被害者に事故の発生の日からその日を含めて１８０日以内に後遺障害※が
生じた場合
５０万円の１００％〜４％
（傷害保険金の後遺障害等級表に応じた割合）
③被害者が事故によるケガ※の治療※のため入院※した場合
ア．
入院期間３１日以上の場合 １００，
０００円
イ．
入院期間１５日以上３０日以内の場合 ５０，
０００円
ウ．
入院期間８日以上１４日以内の場合 ３０，
０００円
エ．
入院期間７日以内の場合 １５，
０００円
④被害者が事故によるケガの治療のため通院※した場合（＊2）
ア．
通院日数３１日以上の場合 ５０，
０００円
イ．
通院日数１５日以上３０日以内の場合 ３０，
０００円
ウ．
通院日数８日以上１４日以内の場合 ２０，
０００円
エ．
通院日数７日以内の場合 １０，
０００円
（＊１）
既にお支払いした後遺障害見舞費用保険金がある場合は、
５０万円
から既にお支払いした金額を差し引いた残額となります。
（＊２）
通院されない場合で、骨折、脱臼、靱
（じん）
帯損傷等のケガを被った
所定の部位※を固定するために医師※の指示によりギプス等※を常時
装着したときは、
その日数について通院したものとみなします。
（注）
保障内容が同様の保険契約
（異なる保険種類の特約や引受保険会
社以外の保険契約を含みます。）
が他にあると保障の重複が生じる
ことがあります。保障内容の差異や保険金額、加入の要否をご確認
いただいたうえでご加入ください。
◆ Cases in which an insurance payment will not be paid
For terms marked with an asterisk, please read Explanation of terms marked with an asterisk on Page 32. (An asterisk is only used
in the first instance of a particular term in each column.)
◆保険金をお支払いしない場合
※印を付した用語については、
Ｐ32の「※印の用語のご説明」
をご参照ください。
（各欄の初出時のみ※印を付しています。）
Types of insurance
payment
保険金の種類
Insurance payment
to cover expenses
of expressing
sympathy to the
injured *Special
agreement for
reimbursing
expenses of
expressing
sympathy to the
injured
38
Main cases in which an insurance payment will not be paid
保険金をお支払いしない主な場合
●Expenses due to the deliberate intent or gross negligence of the party to the insurance contract or the person
covered by the insurance
●Injury* caused by violence or battery conducted by the person covered by the insurance or administered on the
instructions of the person covered by the insurance
●Injury arising out of performance of work by the person covered by the insurance
●Injury incurred by a relative* living with the person covered by the insurance
●Injury incurred by an employee (excluding household employees) of the person covered by the insurance during work
●Injury arising out of possession, use, or management of a vehicle (such as an automobile*), a ship, an aircraft, or a
firearm
●Injury arising out of war, uprising* or insurgency (An injury arising out of terrorism action will be subject to payment
of an insurance payment under a special agreement that makes partial revision in relation to exemption from liability
for war risks with conditions.)
●Expenses due to the effects of an earthquake or eruption, or of a tsunami caused by an earthquake or eruption
●Expenses due to the radioactivity or explosiveness of nuclear fuel material, etc
●Irrespective of the cause, in the case of a complaint of cervical syndrome*, lower back pain, or other similar
39
Explanation of
important matters
Personal liability
insurance for students
学生賠償責任保険
重要事項説明書
Student or child comprehensive insurance that has a special agreement for
compensation of personal liability in daily life or a special agreement on a partial
change of expansion of entrusted item compensation attached, insurance for
liability for the owner (manager) of facilities, insurance for liability for products
日常生活個人賠償責任補償特約および受託品補償拡大型一部変更特約付帯学生・こ
ども総合保険、施設・生産物賠償責任保険
Explanation of important matters
spouse In the event that the person of item A. or any of those of items C. through E. is incapacitated,
either the person s parent, a person having a legal obligation for supervision of the incapacitated
person or a person who cares for the incapacitated person in place of one with an obligation for
supervision of the incapacitated person (limited to a blood relative within six degrees or a spouse*
or an in-law within three degrees of the incapacitated person) will be designated as the person
covered by the insurance.
Notes: Whether the people live together or live separately, and the relationship, refer to the situation at
the time of occurrence of the accident that gave rise to the damage. In the case of persons actually
賠償責任保険金
living separately, even though the certificate of residence states that the persons live together, in
（ 日 常 生 活 個 人 respect of this matter, it will not come under living together.
賠償責任補償特
①本人②親権者およびその他の法定の監督義務者③配偶者④本人・親権者・配偶者と同居の本人・配偶者の親
約）
族
（6親等内の血族および3親等内の姻族）
⑤本人・親権者・配偶者と別居の未婚の子。なお、①および③から⑤ま
での方が責任無能力者である場合は、親権者・法定監督義務者・監督義務者に代わって責任無能力者を監督する
方
（責任無能力者の6親等内の血族、配偶者および3親等内の姻族に限ります。）
を被保険者とします。
（注）同居・別居の別および続柄は、損害の原因となった事故発生時におけるものをいいます。住民票上は同居と
なっていても実態が別居の場合は、
ここでいう同居には該当しません。
for personal
liability in
daily life)
重要事項のご説明
Explanation of the outline of the contract and explanation of information requiring attention
(Comprehensive Insurance for Students/Children: with a special agreement for compensation for personal injury in daily life and a
special agreement on a partial change to expansion of entrusted item compensation, and Premises/Product Liability Insurance)
契約概要のご説明・注意喚起情報のご説明
日常生活個人賠償責任補償特約および受託品補償拡大型一部変更特約付帯学生・
こども総合保険、施設・生産物賠償責任保険
●Matters that you should particularly check when making a purchase are stated in this Outline of the contract, and matters that you should
particularly note, such as matters that could be disadvantageous for the person covered by the insurance, are stated in Information requiring
attention. Please be sure to read these before making a purchase.
●In the event that the person making an application and the person covered by the insurance (person subject to coverage) are not the same person,
please be sure to explain the matters stated in this document to the person covered by the insurance.
●This document does not state all of the contents related to your purchase. The contents of your purchase will be determined according to general
insurance conditions and special agreements. If anything is unclear, please ask the agent handling this matter or the underwriting insurance
company.
●The agent handling this matter will conduct proxy procedures for concluding an insurance contract, collecting insurance premiums, issuing
insurance premium receipts, and management procedures for the contract based on a consignment contract with the underwriting insurance
company. Accordingly, the contract that will be validly established when you make an application to the agent handling this matter will be a
contract directly concluded with the underwriting insurance company.
(*): Please refer to Persons who can make a purchase (person covered by the insurance) for the National Federation of University
Co-operative Associations Student Comprehensive Mutual Insurance on Page 32.
（＊）大学生協の学生総合共済 P32「ご加入者（被保険者）となれる方」をご参照ください。
（2）Contents of coverage
Cases in which an insurance payment will be paid are as stated in Outline of the personal liability insurance for students system in the
pamphlet. Details are based on general insurance conditions and special agreements.
(i) Cases in which an insurance payment will be paid (payment reason) and payment amount for an insurance payment
Please refer to the pamphlet.
(ii) Main cases in which an insurance payment will not be paid (main reasons for exemption)
Please refer to the pamphlet. Details are stated in Cases in which an insurance payment will not be paid in general insurance conditions
and special agreements.
●ご加入に際して特にご確認いただきたい事項をこの「契約概要」に、被保険者にとって不利益になる事項等、特にご注意いただきたい事項をこの「注意喚起情報」に
記載しています。
ご加入される前に必ずお読みいただき、
ご加入くださいますようお願いいたします。●申込人と被保険者
（保障の対象者）
が異なる場合には、
この書面に
記載の事項につき、被保険者の方にも必ずご説明ください。●この書面はご加入に関するすべての内容を記載しているものではありません。
ご加入の内容は、普通保険
約款・特約等によって定まります。
ご不明な点については、取扱代理店または引受保険会社までお問い合わせください。●取扱代理店は、
引受保険会社との委託契約に
基づき、保険契約の締結・保険料の領収・保険料領収証の交付・契約の管理業務等の代理業務を行っております。
したがって、取扱代理店にお申込みいただき有効に
成立したご契約につきましては、
引受保険会社と直接契約されたものとなります。
（2）保障内容
保険金をお支払いする場合はパンフレットに記載の「学生賠償責任保険制度のあらまし」のとおりです。
詳細は普通保険約款・特約に基づきます。
①保険金をお支払いする場合
（支払事由）
と保険金のお支払額
パンフレットをご参照ください。
②保険金をお支払いしない主な場合
（主な免責事由）
パンフレットをご参照ください。
なお、詳細は普通保険約款・特約の「保険金を支払わない場合」の項目に記載されております。
[Explanation of the outline of the contract]
【契約概要のご説明】
1 Mechanism of the product and conditions for underwriting
（3）Main special agreements that can be combined in a package, and their outlines
Please refer to the pamphlet. Details of the contents of special agreements are based on general insurance conditions and special agreements.
商品の仕組みおよび引受条件等
●This insurance is a group contract under which the UNIVERSITY CO-OPERATIVES MUTUAL AID FEDERATION (hereinafter referred to as
UCMAF ) is a party to the insurance contract
（1）Mechanism of the product
This insurance will pay insurance payments in cases such as when the person covered by the insurance (the person subject to coverage) has
died from an injury resulting from an accident or when the person covered by the insurance has borne a legal liability for damage compensation.
Persons who can purchase as persons covered by the insurance (*), persons who can be designated as supporters, and the scope of persons
covered by the insurance are as stated below.
（3）セットできる主な特約およびその概要
パンフレットをご参照ください。特約の内容の詳細は普通保険約款・特約に基づきます。
（4）Period of insurance
The insurance period for this insurance can be from one to six years. Please check the insurance period column of the purchase application form
for the insurance period that you will actually purchase.
（4）保険期間
この保険の保険期間は、1〜6年間です。お客さまが実際にご加入いただく保険期間については、加入申込書の保険期間欄にてご確認ください。
●この保険は全国大学生協共済生活協同組合連合会
（以下「大学生協共済連」）
が保険契約者となる団体契約です。
（1）商品の仕組み
この保険は、被保険者
（保障の対象者）
が事故によるケガで亡くなられた場合や被保険者が法律上の損害賠償責任を負われた場合等に保険金をお支払いしま
す。
なお、被保険者としてご加入いただける方（＊）、扶養者として指定できる方および被保険者の範囲は次のとおりとなります。
Educational institutions
stipulated in the School
Education Act that will be
subject
対象となる学校教育法
に定める学校
Scope of
persons
covered by
the insurance
被保険者の範囲
40
Items other
than those
listed below
下記以外
Liability
insurance
payment
(Special
agreement for
compensation
（5）Conditions for acceptance
●For information about the scope of underwriting for your contract and occupations or jobs that are outside the scope of underwriting, please
refer to Scope of underwriting for your contract and Matters outside of the scope of underwriting for your contract in 2 (.2) Matters to
note following your purchase (obligation of notification) of the Explanation of information requiring attention.
●Please pay attention to the points below concerning the insured amounts for your purchase. For the insured amount for your actual purchase,
please check the insured amounts column in the pamphlet, the purchase application form, the general insurance conditions, and special
agreements.
• Please set the insured amount so that it will be an appropriate amount in light of such considerations as the age and annual salary of the
person covered by the insurance (person subject to coverage). Please understand in advance that, depending on the case, there are insured
amounts and purchase conditions that cannot be accepted.
(1) Universities (2) Graduate schools (3) Junior colleges (4) High schools (5) Technical colleges (6)
High schools of special-needs schools (7) Special training schools (specialized courses, advanced
courses, and general courses) (8) Various types of schools. Provided, however, that for items (7) and
(8), the scope of persons covered is limited to persons who have completed the compulsory education
stipulated in the Basic Act on Education and persons equivalent thereto.
①大学②大学院③短期大学④高等学校⑤高等専門学校⑥特別支援学校の高等部⑦専修学校
（専門課程、高
等課程、一般課程）
⑧各種学校ただし⑦、⑧については教育基本法に定める義務教育を修了した方およびこれに相
当する方に限ります。
（5）引受条件
●ご契約の引受範囲および引受範囲外の職業・職務につきましては、
【注意喚起情報のご説明】
の「2．
（２）
ご加入後における注意事項
（通知義務等）」＜ご契約
の引受範囲＞＜ご契約の引受範囲外＞をご参照ください。
●ご加入いただく保険金額につきましては、次の点にご注意ください。お客さまが実際にご加入いただく保険金額につきましては、
パンフレット等の保険金額欄およ
び加入申込書、普通保険約款・特約等にてご確認ください。
•保険金額は被保険者
（保障の対象者）
の方の年令・年収などに照らして適正な金額となるように設定してください。場合により、
お引受できない保険金額・ご加
入条件等もありますのであらかじめご承知おきください。
The person stated in the column for the name of the person covered by the insurance on the purchase
application form (that person)
加入申込書の被保険者氏名の欄に記載の方（本人）
(1) That person
(2) That person s parent or a person legally obligated to conduct supervision over that person
(3) That person s spouse
(4) A relative of that person or of that person s spouse (blood relative within six degrees or in-law within
three degrees) living with that person, the parent or the spouse
(5) An unmarried child of that person or the spouse, living separately from that person, the parent or the
1
2
Insurance premiums
保険料
Insurance premiums will be determined according to the insured amounts and the insurance period. For details, please ask the agent handling this
matter or the underwriting insurance company. For information about the insurance premiums for your actual purchase, please check the pamphlet.
41
保険料は保険金額・保険期間等によって決定されます。詳細は取扱代理店または引受保険会社までお問い合わせください。お客さまが実際にご加入いただく保険料に
つきましては、
パンフレット等にてご確認ください。
3 Payment method for insurance premiums
保険料の払込方法
Please refer to the pamphlet. The method of payment for insurance premiums will be a lump-sum payment of the entire amount at the time of
purchasing. Please make payment of insurance premiums according to the method prescribed by the Japanese Consumers
Co-operative Union, which will conduct the procedures.
パンフレットをご参照ください。保険料の払込方法はご加入と同時に、全額を払い込む一時払いとなります。保険料払込方法は、
お手続きをされる生協所定の方法により
お支払ください。
4 Maturity refund payments and dividends for the party to the contract
満期返れい金・契約者配当金
This insurance does not have maturity refund payments or dividends for the party to the contract
（2）Matters to note following your purchase (obligation of notification)
In the event that, following your purchase, one of the facts listed below has occurred for the person covered by the insurance, please notify
the agent handling this matter or the underwriting insurance company, without delay. Please exercise appropriate caution because, in the
event that there is no notification, your contract could be cancelled and it may not be possible to pay insurance payments or insurance
payments could be reduced before being paid.
(1) In the event that an occupation or job has been changed (2) In the event of taking on a new occupation (3) In the event of quitting an
occupation
In addition, in the case of either item (1) or item (2), in the event that you come under outside the scope of contract underwriting, below,
either you will cancel the contract or the underwriting insurance company will cancel the contract.
（２）ご加入後における注意事項（通知義務等）
ご加入後、被保険者に次に掲げる事実が発生した場合には、遅滞なく取扱代理店または引受保険会社にご通知ください。
ご通知がない場合、
ご契約を解除し保険
金をお支払いできないことや、保険金を削減してお支払いすることがありますので、十分ご注意ください。
①職業・職務を変更した場合 ②新たに職業に就いた場合 ③職業をやめた場合
また、①または②のいずれかにおいて、下記の＜ご契約の引受範囲外＞に該当した場合は、
ご契約を解約いただくか、
引受保険会社からご契約を解除します。
<Scope of contract
underwriting>
Occupations other than those listed below
＜ご契約の引受範囲＞
下記以外の職業
この保険には満期返れい金・契約者配当金はありません。
5 Whether or not there is a cancellation refund payment
解約返れい金の有無
If you cancel your contract, insurance premiums for the residual portion of the insurance period will be refunded and a cancellation refund payment
will be remitted, according to the conditions at the time when the contract was concluded. It is possible that additional charges will be levied for
insurance premiums that should be paid according to the period from the date on which the period began to the cancellation date. Please refer to
7. Cancellation, and cancellation refund payment in Explanation of information requiring attention.
ご契約の解約に際しては、
ご契約時の条件により、保険期間のうち未経過であった期間の保険料を解約返れい金として返還いたします。始期日から解約日までの期間
に応じて払込みいただくべき保険料の払込状況により追加のご請求をさせていただく場合があります。
【注意喚起情報のご説明】
の「７．
解約と解約返れい金」
をご参照く
ださい。
For information about contacting Mitsui Sumitomo Insurance Co., Ltd. or contacting the designated dispute resolution organization, please see
Page 49.
<Outside the scope of contract
underwriting>
＜ご契約の引受範囲外＞
【注意喚起情報のご説明】
1 Withdrawal of a contract application (cooling off)
ご契約申込みの撤回等（クーリングオフ）
（3）その他の注意事項
■保険金受取人について
Person
entitled to
receive an
insurance
payment
Death
insurance
payment
死亡保険金
保険金受取人
This insurance is not subject to a cooling off period because it is a group contract for which the UNIVERSITY CO-OPERATIVES MUTUAL AID
FEDERATION will be a party to the insurance contract.
この保険は全国大学生協共済生活協同組合連合会が保険契約者となる団体契約であることからクーリングオフの対象となりません。
2 Obligation for notice, obligation for notification
告知義務・通知義務等
（1）Matters to note when making your purchase (notification obligation ‒ matters to note when filling in the purchase
application form)
The person covered by the insurance (person subject to coverage) has an obligation to accurately declare facts about matters for which the
underwriting insurance company requires declaration (notification matters) as important matters related to risks at the time of purchase, and
the agent handling this matter has the right to receive declarations (matters that you declare to the agent handling this matter will be deemed
to have been declared to the underwriting insurance company). Of the contents stated in the purchase application form, items accompanied
by marks such as asterisks are declaration matters (please check the items of declaration matters in the purchase application form). In the
event that those items differ from the facts, or in the event that facts have not been filled in, your purchase could be cancelled and it may not
be possible to pay insurance payments, so please be sure to check the contents that are entered in the purchase application form.
Please pay full attention to the following matters:
(1) The occupation or job of the person covered by the insurance
(2) Information related to other insurance contracts, etc. (*)
(*): Refers to other insurance contracts that cover the same types of risks, such as group comprehensive daily life compensation insurance
and ordinary injury insurance, including reserve-type insurance. In addition, contracts with other insurance companies, mutual aid contracts,
and life insurance contracts are included.
（1）ご加入時における注意事項（告知義務−加入申込書の記入上の注意事項）
被保険者
（保障の対象者）
には、
ご加入時に危険に関する重要な事項として引受保険会社が告知を求めたもの
（告知事項）
について事実を正確に告知いただく義
務
（告知義務）
があり、取扱代理店には告知受領権があります
（取扱代理店に対して告知いただいた事項は、
引受保険会社に告知いただいたものとなります。）
。加
入申込書に記載された内容のうち、※印などの印がついている項目が告知事項です
（告知事項の項目は加入申込書でご確認ください。）
。
この項目が、事実と異
なっている場合、
または事実を記入しなかった場合には、
ご加入を解除し、保険金をお支払いできないことがありますので、加入申込書の記入内容を必ずご確認くだ
さい。
次の事項について十分ご注意ください。
①被保険者の「職業・職務」 ②他の保険契約等（＊）に関する情報
（＊）
同種の危険を保障する他の保険契約等で、団体総合生活補償保険、普通傷害保険等をいい、
いずれも積立保険を含みます。
また、他の保険会社等における
契約、共済契約、生命保険契約等を含みます。
42
オートテスター
（テストライダー）
、
オートバイ競争選手、
自動車競争選手、
自転車競争選手
（競輪選手）
、
モーターボート
（水上オートバイを含みます。）
競争選手、猛獣取扱者
（動物園の飼育係を含みます。）
、
プロボクサー、
プロレスラー、
ローラーゲーム選手
（レフリーを含みます。）
、
力士
その他これらと同程度またはそれ以上の危険な職業
（3）Other matters to note
■About the person entitled to receive an insurance payment
三井住友海上へのご連絡、指定紛争解決機関へのご連絡はP49をご覧ください。
[Explanation of information calling for attention]
Automobile tester (test driver), motorcycle racer, automobile racer, bicycle racer (Keirin track bicycle
racer), motorboat (including jet skis) racer, wild animal handler (including breeding personnel at zoological parks), professional boxer, professional wrestler, roller game athlete (including referees), sumo
wrestler, and other occupations that have similar or higher degrees of risk
Matters other
than those
listed above
上記以外
In the event that a person entitled to receive a death insurance payment has not been specifically
stipulated, the death insurance payment will be paid to the legal heir of the person covered by the
insurance.
Notes: In the case where a person other than the legal heir of the person entitled to receive the death
insurance payment will be stipulated, a signature will be required in order to confirm the agreement
of the person covered by the insurance. In such a case, when the party to the insurance contract
has concluded, without the agreement of the person covered by the insurance, a contract that
has a different person covered by the insurance, the insurance contract will become invalid. In addition, in the event that there is a change of person entitled to receive a death insurance payment
after the contract is concluded, a signature will be required in order to confirm the agreement of
the person covered by the insurance.
•死亡保険金は、特に死亡保険金受取人を定めなかった場合には、被保険者の法定相続人にお支払いします。
（注）
死亡保険金受取人を法定相続人以外の方に定める場合、被保険者の同意を確認するための署名などをいた
だきます。なおこの場合、保険契約者と被保険者が異なるご契約を被保険者の同意のないままにご契約されて
いたときは、保険契約が無効となります。
また、
ご契約後に死亡保険金受取人を変更する場合も、被保険者の同
意を確認するための署名などをいただきます。
Stipulated in the general insurance conditions and special agreements
•普通保険約款・特約に定めております。
■In the event that the address of the applicant changes following your purchase, it will be necessary to give notification to that effect,
without delay. In the event that you do not provide notification, it will become impossible to provide important notices and information. In
addition, in a case that falls under item (1) or item (2) below, it will be necessary to conduct change procedures for the contents of your
contract, so please contact the agent handling this matter or the underwriting insurance company.
(1) Whether or not he or she is dependant, and change of supporter
(2) Change of type of school
■In the event that the person covered by the insurance in the injury clause is a person other than the party to the insurance contract, if any
of the items below applies, the person covered by the insurance in the injury clause can ask the party to the insurance contract to cancel
this insurance contract (*). In such case, the party to the insurance contract must cancel this insurance contract (*).
(1) If he or she did not agree to be the person covered by the insurance in the injury clause of this insurance contract (*)
(2) If there has been an action that comes under any of the items below by the party to the insurance contract or the person who is entitled
to receive an insurance payment
• He or she caused or attempted to cause an injury for the purpose of having the underwriting insurance company pay an insurance payment.
• He or she committed or attempted fraud in order to justify a claim for an insurance payment.
(3) The party to the insurance contract or the person who is entitled to receive an insurance payment falls into the category of a party related
to an organized crime group or any other anti-social force.
(4) The sum total of the insured amounts will be significantly exorbitant due to duplication with other insurance contracts, and there is a risk
that a situation will arise that runs counter to the purpose of the insurance system.
(5) In addition to the items above, if he or she has damaged the credibility of the person covered by the insurance to the same degree as
items (2) through (4), and has brought about a significant reason that makes it difficult for the insurance contract (*) to continue to exist
(6) If there has been a significant change to circumstances that were agreed upon concerning becoming the person covered by the
insurance in the injury clause of this agreement (*), due to such reasons as the dissolution of the family relationship between the party to
the insurance contract and the person covered by the insurance
43
In addition, in the case of (1), the person covered by the insurance can ask the underwriting insurance company for cancellation. In doing
so, it will be necessary to submit documents that prove that the person requesting cancellation is the person covered by the insurance. (*)
Insurance contract: Limited to portions related to that person covered by the insurance
■Overlap of coverage
For purchase of any of the special agreements, etc. in the chart below, in the event that the contents of coverage also appear in another
insurance contract of the same type (including special agreements that are included as a package with insurance contracts other than
comprehensive insurance for students/children, and insurance contracts with parties other than the underwriting insurance company), the
coverage may overlap. If coverage overlaps, there will be coverage under both insurance contracts for the subject accident, but there are
cases in which an insurance payment will not be paid under one of the insurance contracts. Before you make a purchase, please check
the differences in the contents of coverage and the insured amounts and then make decided whether or not purchasing is necessary.
(Notes)
Notes: In the case of purchase of only one contract, coverage may be lost in situations such as when the person covered by the insurance is
no longer subject to coverage as a result of a change in his or her family circumstances (changes such as going from living together to living
separately), or when a purchase is cancelled. Please exercise due care.
<Main contracts that have a possibility of overlapping coverage>
■ご加入後、
申込人の住所などを変更される場合は、遅滞なくご通知いただく必要があります。
ご通知いただけない場合は、重要なお知らせやご案内ができないこと
になります。
また、次の①または②に該当する場合もご契約内容の変更手続が必要となりますので取扱代理店または引受保険会社までご連絡ください。
①扶養の有無または扶養者の変更②学校の種類の変更
■傷害条項の被保険者が保険契約者以外の方である場合に、次のいずれかに該当するときは、傷害条項の被保険者は保険契約者にこの保険契約（＊）の解約
を求めることができます。
この場合、保険契約者はこの保険契約（＊）を解約しなければなりません。
①この保険契約（＊）の傷害条項の被保険者となることについて、同意していなかった場合
②保険契約者または保険金を受け取るべき方に、次のいずれかに該当する行為があった場合
•引受保険会社に保険金を支払わせることを目的としてケガ等を生じさせ、
または生じさせようとしたこと。
•保険金の請求について詐欺を行い、
または行おうとしたこと。
③保険契約者または保険金を受け取るべき方が、暴力団関係者、
その他の反社会的勢力に該当する場合
④他の保険契約等との重複により、保険金額等の合計額が著しく過大となり、保険制度の目的に反する状態がもたらされるおそれがあること。
⑤②〜④の場合と同程度に被保険者の信頼を損ない、
この保険契約（＊）の存続を困難とする重大な事由を生じさせた場合
⑥保険契約者と被保険者との間の親族関係の終了等により、
この保険契約（＊）の傷害条項の被保険者となることについて同意した事情に著しい変更があっ
た場合
また、①の場合は、被保険者が引受保険会社に解約を求めることができます。
その際は被保険者であることの証明書類等の提出が必要となります。
（＊）
保険契約
その被保険者に係る部分に限ります。
■保障の重複
次表の特約などのご加入にあたっては、
保障内容が同様の保険契約
（学生・こども総合保険以外の保険契約にセットされる特約や引受保険会社以外の保険契約
を含みます。）
が他にある場合、
保障が重複することがあります。保障が重複すると、
対象となる事故について、
どちらの保険契約からでも保障されますが、
いずれか一
方の保険契約からは保険金が支払われない場合があります。保障内容の差異や保険金額をご確認いただき、
加入の要否をご判断いただいたうえで、
ご加入くださ
（注）
い。
（注）
1契約のみご加入した場合、
ご加入を解約したときや、家族状況の変化
（同居から別居への変更等）
により被保険者が保障の対象外となったときなどは、保
障がなくなることがあります。
ご注意ください。
＜保障が重複する可能性のある主なご契約＞
The coverage you will purchase on this occasion
今回ご加入いただく保障
Comprehensive Insurance for Students/Children
liability insurance payment
学生・こども総合保険
賠償責任保険金
Example of other insurance contracts for which overlapping
coverage will occur
保障の重複が生じる他の保険契約の例
Special agreement for automobile insurance daily life
compensation
自動車保険
日常生活賠償特約
（1）
パンフレットをご参照ください。
なお、保険金を支払わない場合の詳細は普通保険約款・特約の「保険金を支払わない場合」の項目に記載されておりますので取扱代
理店または引受保険会社までお問い合わせください。
（2）
重大事由による解除
次のことがあった場合は、
ご契約を解除し、保険金をお支払いできないことがあります。①引受保険会社に保険金を支払わせることを目的としてケガ等を生じさせ、
または
生じさせようとしたこと。②保険金の請求について詐欺を行い、
または行おうとしたこと。③暴力団関係者、
その他の反社会的勢力に該当すると認められたこと。④他の
保険契約等との重複により、保険金額等の合計額が著しく過大となり、保険制度の目的に反する状態がもたらされるおそれがあること。⑤上記のほか、①〜④と同程度
に引受保険会社の信頼を損ない、保険契約の存続を困難とする重大な事由を生じさせたこと。
5 Handling of a payment grace period for insurance premiums
保険料の払込猶予期間等の取扱い
Please pay insurance premiums using the method stipulated in the pamphlet. In the event that you do not pay insurance premiums by the method
stipulated in the pamphlet, it may not be possible to pay an insurance payment. In addition, we may cancel the contract.
保険料は、
パンフレット等記載の方法により払込みください。パンフレット等記載の方法により保険料を払込みいただけない場合には、保険金をお支払いできないことが
あります。
また、
ご契約を解除させていただくことがあります。
6 About expiration (only for comprehensive insurance for students/children)
失効について（学生・こども総合保険のみ）
In the event that the person covered by the insurance (*) dies after purchasing insurance, this insurance contract will become invalid. In the case
where the contract expires due to death for a reason that does not come under cases in which death insurance payments will be paid, the insurance
premiums for the residual periods will be refunded.
(*) Refers to the person covered by the insurance in the injury clause
ご加入後に、被保険者（＊）が死亡された場合には、
この保険契約は失効となります。なお、死亡保険金をお支払いする場合に該当しない事由の死亡による失効のとき
は、未経過期間分の保険料を返還します。
（＊）
傷害条項における被保険者をいいます。
7 Cancellation and cancellation refund payment
解約と解約返れい金
In the event that you wish to withdraw (cancel) your purchase before the period
expires,
please promptly inform the agent handling this matter or the underwriting insurance
company.
• We will remit a cancellation refund payment according to the residual period from
the date of withdrawal (cancellation) until the expiration date.
Provided, however, that in principle the cancellation refund payment will be less
than the amount for the residual period.
•It is possible that additional charges will be levied for insurance premiums
that should be paid according to the period from the date on which the period
commenced to the withdrawal (cancellation) date.
Residual period
未経過期間
Date on which the
period commences
始期日
Cancellation date
解約日
Expiration date
満期日
Insurance period
保険期間
ご加入を中途で脱退
（解約）
される場合は、取扱代理店または引受保険会社に速やかにお申
出ください。
•脱退
（解約）
日から満期日までの期間に応じて、解約返れい金を返還させていただきます。ただ
し、解約返れい金は原則として未経過期間分よりも少なくなります。
•始期日から脱退
（解約）
日までの期間に応じて払込みいただくべき保険料について、追加のご
請求をさせていただくことがあります。
8 Handling when the insurance company goes bankrupt
3 Time of beginning coverage
保障の開始時期
In the event that a newly enrolled student has applied for a purchase (paid the insurance premiums) by March 31, 2016, coverage will begin at midnight
on April 1, 2016 and, in the case of purchase part-way through the year or years thereafter, coverage will begin at midnight of the day after the date
of payment of the insurance premium. Please pay insurance premiums using the method stipulated in the pamphlet. In the event that you do not pay
insurance premiums by the method stipulated in the pamphlet, insurance payments will not be paid, even if the insurance period has begun.
新入学生の方が2016年3月31日までに加入申込み
（保険料払込み）
された場合は、2016年4月1日午前0時から、
また中途加入される場合、保険料払込日の翌日午
前0時からとなります。保険料は、
パンフレット等記載の方法により払込みください。パンフレット等記載の方法により保険料を払込みいただけない場合には、保険期間が
始まった後であっても、保険金をお支払いしません。
4 Main cases in which an insurance payment will not be paid (main reasons for exemption)
保険金をお支払いしない主な場合（主な免責事由）等
(1) Please refer to the pamphlet. The details about cases in which insurance payments will not be paid are stated in items in the general insurance
conditions and Cases in which an insurance payment will not be paid in the special agreements, so please ask the agent handling this matter
or the underwriting insurance company.
(2) Cancellation due to a significant reason
In the event that one of the circumstances shown below occurs, your contract could be cancelled and it may not be possible to pay insurance
payments.
(i) You caused or attempted to cause an injury for the purpose of obliging the underwriting insurance company to pay an insurance payment.
(ii) You committed or attempted fraud in order to justify a claim for an insurance payment. (iii) It can be ascertained that you fall into the category
of a party related to an organized crime group or other anti-social force. (iv) The sum total of the insured amounts will be significantly exorbitant due
to duplication with other insurance contracts, and there is a risk that a situation will arise that runs counter to the purpose of the insurance system.
(v) In addition to any of the items above, you have damaged the credibility of the underwriting insurance company to the same degree as items (i)
through (iv) and have brought about a significant reason why it is difficult for the insurance contract to continue to exist
44
保険会社破綻時等の取扱い
<About protection of the party to the insurance contract in cases such as business failure>
• It is possible that, due to a change in the business or financial circumstances of the insurance company, such as a case in which the underwriting
insurance company has become bankrupt, payment of the insurance payments and cancellation refund payments that were promised at the time of
purchase may be frozen for a certain period or the amounts may be reduced.
• As a mechanism to protect the party to the insurance contract in the event that the underwriting insurance company experiences some form of
business failure, there exists the Non-life Insurance Policyholders Protection Corporation of Japan and the underwriting insurance company has
joined it. This insurance is subject to coverage by the Non-life Insurance Policyholders Protection Corporation of Japan and, therefore, coverage
will be provided as stated below, even if the underwriting insurance company goes bankrupt.
<Cases in which the insurance period is one year or shorter>
Insurance payments and cancellation refund payments will be covered up to 80%. Provided, however, that insurance payments for accidents that
occurred before the bankruptcy or within three months after the time of the bankruptcy will be covered 100%.
<Cases in which the insurance period exceeds one year>
Insurance payments and cancellation refund payments will be covered up to 90%. Provided, however, that insurance payments for accidents that
occurred before the bankruptcy will be covered 100%.
* Premises/Product Liability Insurance will be handled as a case in which the insurance period is shorter than one year, even if the insurance
period exceeds one year.
＜経営破綻した場合等の保険契約者の保護について＞
•引受保険会社の経営が破綻した場合など保険会社の業務または財産の状況の変化によって、
ご加入時にお約束した保険金・解約返れい金等のお支払いが一定期
間凍結されたり、金額が削減されたりすることがあります。
•引受保険会社が経営破綻に陥った場合の保険契約者保護の仕組みとして、
「損害保険契約者保護機構」
があり、
引受保険会社も加入しております。
この保険は
「損
害保険契約者保護機構」の保障対象となっておりますので、
引受保険会社が破綻した場合でも、次のとおり保障されます。
＜保険期間が１年以内の場合＞
保険金、解約返れい金等は８０％まで保障されます。
ただし、破綻前に発生した事故および破綻時から３か月までに発生した事故による保険金は１００％保障されます。
＜保険期間が１年超の場合＞
保険金、解約返れい金等は９０％まで保障されます。
ただし、破綻前に発生した事故による保険金は１００％保障されます。
※施設・生産物賠償責任保険は、保険期間が1年超であっても＜保険期間が1年以内の場合＞の取扱いとなります。
45
9 About handling of personal information
個人情報の取扱いについて
Please make an application based on agreement that the underwriting insurance company will handle personal information related to this insurance
contract in the manner shown below.
この保険契約に関する個人情報について、
引受保険会社が次の取扱いを行うことに同意のうえお申し込みください。
[Handling of personal information]
In addition to use by the underwriting insurance company for screening and performance of this insurance underwriting, personal information
related to this insurance contract will also be used by the underwriting insurance company and each of its group companies to provide and offer
information about products and services other than this insurance contract, screen insurance underwriting, and operate insurance contracts, and to
provide information about products and services of affiliated parties and consigned parties. Provided, however, that the purposes of use of special
non-disclosed information (sensitive information) such as healthcare information will be limited to ensuring appropriate operation of processes and
other matters that are recognized as necessary, in accordance with the Ordinance for Enforcement of the Insurance Business Act. In addition,
such information may be provided to parties such as those commissioned to carry out processes (including insurance agents), insurance brokers,
medical institutions, and relevant parties related to the claiming and paying of insurance payments within the scope that is necessary for achieving
the purposes of using personal information in relation to this insurance contract. For details, please visit the Mitsui Sumitomo Insurance Co., Ltd.
website (http://www.ms-ins.com) or the Kyoei Fire & Marine Insurance website
(http://www.kyoeikasai.co.jp).
【個人情報の取扱いについて】
この保険契約に関する個人情報は、引受保険会社がこの保険引受の審査および履行のために利用するほか、引受保険会社および引受保険会社のグループのそれ
ぞれの会社が、この保険契約以外の商品・サービスのご案内・ご提供や保険引受の審査および保険契約の履行のために利用したり、提携先・委託先等の商品・サー
ビスのご案内のために利用することがあります。
ただし、保健医療等の特別な非公開情報（センシティブ情報）の利用目的は、保険業法施行規則に従い、業務の適切な運営の確保その他必要と認められる範囲
に限定します。
また、この保険契約に関する個人情報の利用目的の達成に必要な範囲内で、業務委託先（保険代理店を含む）、保険仲立人、医療機関、保険金の請求・支
払いに関する関係先等に提供することがあります。
詳細は、三井住友海上ホームページ（http://www.ms-ins.com）または共栄火災のホームページ（http://www.kyoeikasai.co.jp/）をご覧ください。
For information about contacting Mitsui Sumitomo Insurance Co., Ltd. or contacting the designated disputes resolution organization, please see
Page 49.
三井住友海上へのご連絡、指定紛争解決機関へのご連絡はP49をご覧ください。
Other matters to note
その他ご注意いただきたいこと
<Notification to the underwriting insurance company if you come under a case in which an insurance payment will be paid>
●If you come under a case in which an insurance payment will be made, please contact the agent handling this matter or the underwriting insurance
company. They will provide you with detailed information about procedures for lodging an insurance payment claim. In the event that no contact is
made within thirty days after the date of coming under a case in which an insurance payment will be paid, in the event that known facts are not
declared, or in the event that a declaration that differs from the facts is made, the underwriting insurance company may pay an insurance payment
after subtracting the amount of damages incurred as a result.
<Time of performance for paying insurance payments>
●Within thirty days (including the date of submission) after you have submitted the documents required for an insurance payment claim (*1), the
underwriting insurance company will finish confirming (*2) the matters that are necessary in order to pay an insurance payment, and will then
pay an insurance payment. (*3)
(*1) For the documents that are required for an insurance payment claim, please refer to Documents to be submitted when making an insurance
payment claim. In the event that the person making a proxy claim will claim an insurance payment, he or she will submit a document that
indicates the circumstances under which the person covered by the insurance cannot make a claim for an insurance payment.
(*2) Refers to whether or not there is a reason to pay an insurance payment, whether or not there is a reason to not pay an insurance payment,
calculation of an insurance payment, whether or not an insurance contract is valid, and other matters that require confirmation in order to
determine the amount of an insurance payment that the underwriting insurance company should pay
(*3) In the event that a referral to the results of an investigation by a public organization such as the police, referral to the results of examination
by a specialized organization such as a medical institution, investigation in an affected area to which the Disaster Relief Act applies, or an
investigation outside Japan is necessary in order to confirm necessary matters, an insurance payment will be paid according to the number
of days stipulated in the general insurance conditions and special agreements. In such case, the underwriting insurance company will notify
the person covered by the insurance or the person who is entitled to receive an insurance payment of the matters that require confirmation
and the time when such confirmation will end.
<Documents to be submitted when making a claim for an insurance payment>
●In the event that the person covered by the insurance or the person who is entitled to receive an insurance payment (including their representatives) will make a claim for an insurance payment, please submit the documents that the underwriting insurance company requests after receipt
of notification of the accident. If anything is unclear, please ask the agent handling this matter or the underwriting insurance company.
[Documents to be submitted]
Items that the underwriting insurance company requests from among the documents below:
◯The underwriting insurance company s prescribed written claim for an insurance payment
◯The underwriting insurance company s prescribed agreement statement
◯Materials related to the cause of the accident and the state of damage
◯Materials for confirming that it is a valid insurance payment claim by the person covered by the insurance or his or her representative (certificate
of residence, health insurance card (copy), etc.)
◯The underwriting insurance company s prescribed written diagnosis
◯Declaration of the status of examination
◯An accident certificate issued by a public organization (in an unavoidable case, a third party)
◯A death certificate
◯Documents that confirm the amounts of damage compensation payments and insurance payments paid by other parties, and benefits
◯Documents that confirm the amount of damage compensation and the person with the right to claim damage compensation
○ The underwriting insurance company s prescribed accident contents report, documents that confirm the occurrence of damage or expenses, and
other similardocuments
You may be asked to submit documents additional to the documents listed above, according to the contents of the accident and the amount of
damage.
■Please note that there is a statute of limitations (three years) for insurance payment claim rights. For details such as when insurance payment
46
claim rights arise, please check the general insurance conditions, special terms and conditions, and special agreements.
■The person with the right to claim damage compensation will have a security interest (the right to receive repayment in priority over other creditors) based on the Insurance Act for insurance payment claim rights of the person covered by the insurance in relation to damage compensation
payments. In addition, in principle these rights to claim an insurance payment cannot be transferred, established as a pledge, or seized.
<Explanation of coinsurance>
This insurance contract is a coinsurance contract based on a special agreement related to coinsurance. The underwriting insurance companies will
bear liability under independent and individual insurance contracts with no joint liability, according to their respective underwriting ratios or insured
amounts. In addition, Mitsui Sumitomo Insurance Co., Ltd. will conduct other underwriting insurance company work and clerical agency and proxy
work as the administrating insurance company. The underwriting insurance companies are as stated below. As soon as the respective underwriting
ratios for the companies have been determined, we will provide that information.
Mitsui Sumitomo Insurance Co., Ltd. (administrating company)
Kyoei Fire & Marine Insurance
<About a person making a proxy claim> (only for comprehensive insurance for students/children)
●In the event that the person covered by the insurance payment has circumstances under which he or she cannot make a claim for an insurance
payment, such as when he or she is in a state of serious disability and has lost mental capacity, and there is no representative for the person
covered by the insurance who is entitled to receive an insurance payment, subject to the approval of the underwriting insurance company,
someone such as a spouse (*) who is living with or sharing a livelihood with that person covered by the insurance (hereinafter referred to as
Person Making a Proxy Claim : for details please refer to the Notes) can make a claim for an insurance payment. For details, please ask the
agent handling this matter or the underwriting insurance company. In addition, please be sure to explain this content to the person who will be
the Person Making a Proxy Claim.
Notes
(1) A spouse (*) who lives with or shares a livelihood with the person covered by the insurance
（2）
In the event that there is no person who comes under (1) above or that there are circumstances under which the person who comes under (1)
above cannot make a claim for an insurance payment a relative within three degrees [of consanguinity] who lives with or shares a livelihood
with the person covered by the insurance
（3）
In the event that there is no person who comes under (1) or (2) above or that there are circumstances under which the person who comes
under (1) or(2) above cannot make a claim for an insurance payment Spouse (*) other than the person listed in (1) above or relative within
three degrees [of consanguinity], other than the person listed in (2) above (*) Limited to a legal spouse
●Your purchase content may be registered (only for comprehensive insurance for students/children).
Insurance contracts involving death insurance payments, residual disability insurance payments, hospitalization insurance payments, outpatient
treatment insurance payments, etc. are recorded in the contract content registration system operated by the General Insurance Association of
Japan so that the damage insurance system will be soundly operated and such insurance payments will be correctly and reliably paid.
●A certificate confirming the person covered by personal liability insurance for students will be sent to you after your purchase. Please check its
contents and keep it in a safe place. In addition, in the event that the certificate confirming the person covered by personal liability insurance for
students has not arrived after one month has passed since the contract procedures, please make an inquiry to Mitsui Sumitomo Insurance Co.,
Ltd.
●For out-of-court settlement negotiations for a compensated accident that is subject to a contract that covers damage incurred due to a burden
for legal liability for compensation, please consult the underwriting insurance company in advance. Please note that, in the event that you have
admitted liability for damage compensation without obtaining the underwriting insurance company s approval in advance, or have paid damages
without such approval, it may become impossible to pay an insurance payment.
<Out-of-court settlement negotiations service> (only for comprehensive insurance for students/children)
If the person covered by the insurance makes a proposal about a compensated accident (excluding damage, loss, or theft of entrusted items) that
occurred in Japan and that is subject to the compensation liability clause and, if the agreement of the person covered by the insurance has been
obtained, in principle the underwriting insurance company will undertake out-of-court settlement negotiations for the person covered by the insurance.
In addition, in the event that an insurance payment will be paid for a compensated accident (excluding damage, loss, or theft of entrusted items) that
occurred in Japan, the victim can also directly claim from the underwriting insurance company an amount of damage compensation
equivalent to the insurance payment.
<Main cases in which out-of-court settlement negotiations cannot be undertaken>
◯When the amount of legal damage compensation liability borne by the person covered by the insurance for one accident will clearly exceed the
insurance payment stipulated in the compensation liability clause
◯When the other party does not agree to negotiations with the underwriting insurance company
◯When, during negotiations with the other party, the person covered by the insurance refuses to cooperate with the underwriting insurance company
without a valid reason
◯When a lawsuit related to a claim for damage compensation against the person covered by the insurance has been initiated in a court outside
Japan
◯In the case of a compensated accident that is subject to insurance for liability for the owner (manager) of facilities or products
＜保険金をお支払いする場合に該当したときの引受保険会社へのご連絡＞
●保険金をお支払いする場合に該当したときは、取扱代理店または引受保険会社までご連絡ください。保険金請求の手続につきまして詳しくご案内いたします。
なお、保
険金をお支払いする場合に該当した日から３０日以内にご連絡がない場合、
もしくは知っている事実を告げなかった場合、
または事実と異なることを告げた場合は、
引受
保険会社はそれによって被った損害の額を差し引いて保険金をお支払いすることがあります。
＜保険金支払いの履行期＞
●引受保険会社は、保険金請求に必要な書類（＊1）をご提出いただいてからその日を含めて３０日以内に、保険金をお支払いするために必要な事項の確認（＊2）を終えて保
（＊3）
険金をお支払いします。
（＊１）
保険金請求に必要な書類は、
「保険金のご請求時にご提出いただく書類」
をご参照ください。代理請求人が保険金を請求される場合は、
被保険者が保険金を請
求できない事情を示す書類をご提出いただきます。
（＊２）
保険金をお支払いする事由の有無、
保険金をお支払いしない事由の有無、
保険金の算出、
保険契約の効力の有無、
その他引受保険会社がお支払いすべき保
険金の額の確定のために確認が必要な事項をいいます。
（＊３）
必要な事項の確認を行うために、
警察などの公の機関の捜査結果の照会、
医療機関など専門機関の診断結果の照会、
災害救助法が適用された被災地におけ
る調査、
日本国外における調査等が必要な場合には、普通保険約款・特約に定める日数までに保険金をお支払いします。
この場合、
引受保険会社は確認が必
要な事項およびその確認を終える時期を被保険者または保険金を受け取るべき方に通知します。
＜保険金のご請求時にご提出いただく書類＞
●被保険者または保険金を受け取るべき方
（これらの方の代理人を含みます。）
が保険金の請求を行う場合は、
事故受付後に引受保険会社が求める書類をご提出いた
だきます。
ご不明な点については、
取扱代理店または引受保険会社までお問い合わせください。
【ご提出いただく書類】
以下の書類のうち引受保険会社が求めるもの
○引受保険会社所定の保険金請求書○引受保険会社所定の同意書○事故原因・損害状況に関する資料○被保険者またはその代理人の保険金請求であること
を確認するための資料
（住民票、
健康保険証
（写） 等）
○引受保険会社所定の診断書○診療状況申告書○公の機関
（やむを得ない場合は第三者）
等の事故証明
書○死亡診断書○他から支払われる損害賠償金・保険金、
給付金等の額を確認する書類○損害賠償の額および損害賠償請求権者を確認する書類○引受保険会
社所定の事故内容報告書、
損害または費用の発生を確認する書類およびその他これらに類する書類
事故の内容、
損害額等に応じて上記の書類以外の書類をご提出いただくようお願いすることがあります。
47
■保険金請求権については時効
（3年）
がありますのでご注意ください。保険金請求権の発生時期等の詳細は、
普通保険約款、
特別約款、
および特約でご確認ください。
■損害賠償請求権者は、
損害賠償金にかかわる被保険者の保険金請求権について保険法に基づく先取特権
（他の債権者よりも優先して弁済を受ける権利）
を有しま
す。
また、
原則としてこれらの保険金請求権の譲渡・質権設定・差押えはできません。
＜共同保険のご説明＞
この保険契約は共同保険に関する特約に基づく共同保険契約です。引受保険会社は、
それぞれの引受割合または保険金額に応じ、連帯することなく単独別個に保険
契約上の責任を負います。
また、
三井住友海上は、
幹事保険会社として他の引受保険会社の業務および事務の代理・代行を行います。引受保険会社は次のとおりで
す。
なお、
それぞれの会社の引受割合は決定しだいご案内します。
三井住友海上
（幹事会社）
共栄火災海上
＜代理請求人について＞
（学生・こども総合保険のみ）
●高度障害状態となり、意思能力を喪失した場合など、被保険者に保険金を請求できない事情があり、
かつ、保険金を受け取るべき被保険者の代理人がいない場合に
（以下「代理請求人」
といいます。詳細は
（注）
をご参照ください。）
が保険金を
は、
引受保険会社の承認を得て、
その被保険者と同居または生計を共にする配偶者（＊） 等
請求できることがあります。詳細は取扱代理店または引受保険会社までお問い合わせください。
また、本内容については、代理請求人となられる方にも必ずご説明
ください。
（注）
①「被保険者と同居または生計を共にする配偶者（＊）」
②上記①に該当する方がいないまたは上記①に該当する方に保険金を請求できない事情がある場合
「被保険者と同居または生計を共にする３親等内の親族」
③上記①、
②に該当する方がいないまたは上記①、
②に該当する方に保険金を請求できない事情がある場合
「上記①以外の配偶者（＊）」
または
「上記②以外の３親等内の親族」
（＊）
法律上の配偶者に限ります。
●お客さまのご加入内容が登録されることがあります。
（学生・こども総合保険のみ）
損害保険制度が健全に運営され、
死亡保険金、
後遺障害保険金、
入院保険金、
通院
保険金等のお支払いが正しく確実に行われるよう、
これらの保険金のある保険契約について、一般社団法人日本損害保険協会が運営する契約内容登録制度への
登録を実施しております。
●ご加入いただいた後にお届けする学生賠償責任保険加入者証は、
内容をご確認のうえ、
大切に保管してください。
また、
ご契約手続きから１か月を経過しても学生賠償
責任保険加入者証が届かない場合は、
三井住友海上までお問い合わせください。
●法律上の賠償責任などを負担することによって被った損害を保障する契約の対象となる賠償事故の示談交渉については、
事前に引受保険会社へご相談ください。
な
お、
あらかじめ引受保険会社の承認を得ないで損害賠償責任を認めたり、
賠償金などを支払われた場合には、
保険金をお支払いできないことなどがありますのでご注意
ください。
＜示談交渉サービス＞
（学生・こども総合保険のみ）
日本国内において発生した、
賠償責任条項の対象となる賠償事故
（受託品の破損、
紛失または盗取を除きます。）
について被保険者のお申出があり、
かつ被保険者の同
意が得られれば、
引受保険会社は原則として被保険者のために示談交渉をお引受いたします。
また、
日本国内において発生した賠償事故
（受託品の破損、
紛失または盗
取を除きます。）
で保険金が支払われる場合、
被害者が保険金相当の損害賠償額を引受保険会社へ直接請求することもできます。
＜示談交渉を行うことができない主な場合＞
○1回の事故につき、被保険者が負担する法律上の損害賠償責任の額が賠償責任条項で定める保険金額を明らかに超える場合○相手の方が引受保険会社との交
渉に同意されない場合○相手の方との交渉に際し、
正当な理由なく被保険者が引受保険会社への協力を拒んだ場合○被保険者に対する損害賠償請求に関する訴
訟が日本国外の裁判所に提起された場合○施設所有
（管理）
者・生産物賠償責任保険の対象となる賠償事故の場合
Matters to check regarding contents of purchase
ご加入内容確認事項
When conducting purchase procedures, please sufficiently check the matters below.
ご加入手続きに際し、以下の事項を十分にご確認ください。
These matters to be checked are specific items that will enable you to confirm that the insurance product that we have suggested includes
contents that meet your requirements and that all of the particularly important details of your insurance purchase are correctly entered, so that
you can use the insurance with peace of mind in the event that an accident occurs. Please take the time to re-confirm the answers for each
question below. If anything is unclear or if you have a question about purchasing, please ask the agent handling this matter (stated in the
pamphlet) or the underwriting insurance company.
Please check the following items
皆さまがご確認ください。
• Have the Date of birth, Age and Gender columns of the purchase application form been filled in correctly?
• Has the Occupation or job column (including the by job type and class column) of the purchase application form been filled in correctly?
In addition, have you checked to make sure that there are no mistakes in the contents that were set out in advance?
• Has the Other insurance contracts column of the purchase application form been filled in correctly?
* Depending on the purchase application form for the insurance product that you are purchasing, it is possible that the form will not have all
of the aforementioned columns. It is not necessary to check items for which the aforementioned columns do not exist.
• 加入申込書の「生年月日」
または
「年令」欄、
「性別」欄は正しくご記入いただいていますか？
• 加入申込書の「職業・職務」欄
（「職種級別」欄を含みます。）
は正しくご記入いただいていますか？または、事前に打ち出している内容に誤りがないことをご確認
いただきましたか？
• 加入申込書の「他の保険契約等」欄は正しくご記入されていますか？
＊ご加入いただく保険商品の加入申込書によっては、上記の欄がない場合があります。上記のうち欄がないものについてのご確認は不要となります。
Information for arranging consultations, lodging complaints, or making inquiries related to this insurance
保険に関するご相談・苦情・お問い合わせは
Mitsui Sumitomo Insurance Co., Ltd.
Customer Service Desk
0120-632-277 (Toll-free)
「三井住友海上お客さまデスク」
0120-632-277（無料）
受付時間 平日▶9：00〜20：00 土日・祝日▶9：00〜17：00
（年末・年始は休業させていただきます。）
Hours for calls: Weekdays ▶ 9：00 - 20：00
Saturdays, Sundays, and holidays ▶ 9：00 - 17：00
(Closed during end-of-year and New Year holidays)
Designated disputes resolution organization
指定紛争解決機関
The underwriting insurance company has concluded a basic
agreement on conducting procedures with the General Insurance
Association of Japan, which is the disputes resolution organization
designated by the Financial Services Agency
Commissioner based on the Insurance Business Act. In the event that
it is not possible to resolve an issue with the underwriting insurance
company, you can consult the General Insurance Association of Japan
or make a motion for resolution.
General Insurance Association of Japan Sonpo ADR
Center
0570-022-808
引受保険会社は、保険業法に基づく金融庁長官の指定を受けた指定紛争
解決機関である一般社団法人 日本損害保険協会と手続実施基本契約を締
結しています。引受保険会社との間で問題を解決できない場合には、一般社
団法人 日本損害保険協会にご相談いただくか、解決の申し立てを行うことが
できます。
一般社団法人 日本損害保険協会
そんぽADRセンター
0570-022-808〔ナビダイヤル（有料）〕
受付時間 平日▶9：15〜17：00
詳しくは、一般社団法人 日本損害保険協会のホームページをご覧ください。
(Telephone number for information (Toll call))
（http://www.sonpo.or.jp/）
Hours for calls: Weekdays ▶ 9：15 - 17：00
For details, please see the website of the General Insurance
Association of Japan (http://www.sonpo.or.jp).
本確認事項は、
万一の事故の際に安心して保険をご利用いただけるよう、
ご提案いたしました保険商品がお客さまのご希望に合致した内容であること、
ご加入いただく
うえで特に重要な事項を正しくご記入いただいていることを確認させていただくためのものです。お手数ですが、
以下の各質問項目について、
再度ご確認いただきますよ
うお願い申し上げます。
なお、
ご加入にあたりご不明な点や疑問点がございましたら、
パンフレット記載の取扱代理店または引受保険会社までお問い合わせください。
(1) Please check the pamphlet and the explanation of important matters to verify that the insurance product consists of contents that meet your
requirements according to the points below. In the event that your requirements are not fully met, please review the contents of your purchase.
Please check whether or not purchasing is necessary for special agreements that are stated in Explanation of important matters and for which it
is possible that coverage could overlap.
The agent handling this matter
取扱代理店
University Co-operatives Insurance Services, Inc.
• Reason for payment of an insurance payment (including the main contract and special agreements that are part of a package)
• Insured amount (monetary amount of the contract) • Insurance period (contract period for the insurance)
• Insurance premiums・Method of paying the insurance premiums
(2) Please check that nothing is missing and that there are no mistakes in the statements and entries in the purchase application form.
The items below are necessary for correct calculation of insurance premiums and appropriate payment of insurance payments.
Please carefully check the contents and fill in the purchase application form correctly.
In the event that something is missing or that there is a mistake in the statements or entries, please enter additional statements or correct the mistake.
１．
保険商品が以下の点でお客さまのご希望に合致した内容となっていることをパンフレット・重要事項のご説明でご確認ください。万一、
ご希望に合致しない
場合は、
ご加入内容を再度ご検討ください。
「重要事項のご説明」に記載の、保障が重複する可能性のある特約等については、ご加入の要否をご確認ください。
•保険金のお支払事由
（主契約、
セットしている特約を含みます。）•保険金額
（ご契約金額）•保険期間
（保険のご契約期間）•保険料・保険料払込方法
２．
加入申込書への記載・記入の漏れ・誤りがないかご確認ください。
以下の項目は、正しい保険料の算出や適切な保険金のお支払等に必要な項目です。内容をよくご確認いただき、加入申込書に正しくご記入いただきますようお願い
申し上げます。
記載・記入の漏れ・誤りがある場合には、訂正あるいは追記をお願いいたします。
48
株式会社 大学生協保険サービス
Business hours: Weekdays (Monday ‒ Friday) 10:00 ‒ 17:00
1-12-4 Koenji Minami, Suginami-ku, Tokyo 166-0003
National Federation of University Co-operative Associations Koenji Hall
Information
for making
inquiries
お問い合せは
営業時間／平日（月〜金曜日）10：00〜17：00 〒166-0003 東京都杉並区高円寺南1-12-4 大学生協高円寺会館
The underwriting insurance companies
引受保険会社
Personal liability insurance for students
学生賠償責任保険
Supporter death coverage insurance
扶養者死亡保障保険
A15-101053
A1514430E0771-20150723
3-11-1 Surugadai, Kanda, Chiyoda-ku, Tokyo 101-8011
1-18-6 Shinbashi, Minato-ku, Tokyo 105-8604
〒101-8011 東京都千代田区神田駿河台3-11-1
〒105-8604 東京都港区新橋1-18-6
Mitsui Sumitomo Insurance Co., Ltd.
(Administrator)
三井住友海上火災保険株式会社（幹事）
Kyoei Fire & Marine Insurance Co., Ltd.
(Administrator)
共栄火災海上保険株式会社（幹事）
49
List of membership fees
NM Type Select
NM型選択支払
Life Mutual Insurance
（NM Type）
Life Mutual Insurance
（NA Type）
生命共済
（NM型）
生命共済
（NA型）
Mutual
add Option(追加オプション)
add Option(追加オプション) Insurance
NM Type
for Fire
NA Type
option 1
option 1
option 2 （KV Type）
option 2
(NM型)
(NA型)
The Special Contract for
The Special Contract for
The Special Contract for
The Special Contract for
NO Option Parent's / Benefactor's Death Benefactor's Death From Accident NO Option Parent's / Benefactor's Death Benefactor's Death From Accident 火災共済
（KV型）
オプション 1
オプション 2
オプション 1
オプション 2
オプションなし
オプションなし
父母扶養者死亡特約 扶養者事故死亡特約
父母扶養者死亡特約 扶養者事故死亡特約
￥2,000
￥3,400
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
2,000円
3,400円
Personal
Liability
Insurance
for
Students
学生賠償
責任保険
Total
合 計
￥1,780
1,780円
Total￥7,180
合計7,180円
━━━━━━━
￥4,000
4,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥1,780
1,780円
Total￥7,780
合計7,780円
━━━━━━━
━━━━━━━
￥4,800
4,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥1,780
1,780円
Total￥8,580
合計8,580円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥1,780
1,780円
Total￥15,180
合計15,180円
A Type NA Type+option1 Select
(A型) NA型+オプション1選択支払
￥11,400
11,400円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,000
12,000円
━━━━━━━
￥2,000
2,000円
￥1,780
1,780円
Total￥15,780
合計15,780円
AF Type NA Type+option1+2 Select
(AF型) NA型+オプション1+2選択支払
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,800
12,800円
￥2,000
2,000円
￥1,780
1,780円
Total￥16,580
合計16,580円
1st year NM Type Select
NM型選択1年目支払
￥3,400
3,400円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥8,520
1年目8,520円
M Type NM Type+option1 Select
(M型) NM型+オプション 1選択支払
━━━━━━━
￥4,000
4,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥9,120
1年目9,120円
MF Type NM Type+option1+2 Select
(MF型) NM型+オプション1+2選択支払
━━━━━━━
━━━━━━━
￥4,800
4,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥9,920
1年目9,920円
￥3,400
3,400円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
2nd year Total￥5,400
2年目5,400円
━━━━━━━
￥4,000
4,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
2nd year Total￥6,000
2年目6,000円
━━━━━━━
━━━━━━━
￥4,800
4,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
2nd year Total￥6,800
2年目6,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥11,400
11,400円
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥16,520
1年目16,520円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,000
12,000円
━━━━━━━
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥17,120
1年目17,120円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,800
12,800円
￥2,000
2,000円
￥3,120
3,120円
1st year Total￥17,920
1年目17,920円
━━━━━━━
━━━━━━━
━━━━━━━
￥11,400
11,400円
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
2nd year Total￥13,400
2年目13,400円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,000
12,000円
━━━━━━━
￥2,000
2,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,800
12,800円
￥2,000
2,000円
2nd year Total￥14,000
2年目14,000円
━━━━━━━
￥3,400
3,400円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥5,800
5,800円
1st year Total￥11,200
1年目11,200円
━━━━━━━
￥4,000
4,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥5,800
5,800円
1st year Total￥11,800
1年目11,800円
━━━━━━━
￥4,800
4,800円
━━━━━━━
￥2,000
2,000円
￥5,800
5,800円
1st year Total￥12,600
1年目12,600円
━━━━━━━
￥2,000
2,000円
━━━━━━━
Each2nd year~4th year￥5,400
各2〜4年目5,400円
━━━━━━━
M Type NM Type+option1 Select
(M型) NM型+オプション 1選択支払
MF Type NM Type+option1+2 Select
(MF型) NM型+オプション1+2選択支払
For
1 year
NA Type Select
１年留学
NA型選択支払
2nd year NM Type Select
NM型選択2年目支払
M Type NM Type+option1 Select
(M型) NM型+オプション 1選択支払
MF Type NM Type+option1+2 Select
For
2 years (MF型) NM型+オプション1+2選択支払
1st year NA Type Select
２年留学
NA型選択1年目支払
A Type NA Type+option1 Select
(A型) NA型+オプション1選択支払
AF Type NA Type+option1+2 Select
（AF型）NA型+オプション1+2選択支払
2nd year NM Type Select
NM型選択2年目支払
A Type NA Type+option1 Select
(A型) NA型+オプション1選択支払
AF Type NA Type+option1+2 Select
（AF型）NA型+オプション1+2選択支払
1st year NM Type Select
NM型選択1年目支払
M Type NM Type+option1 Select
(M型) NM型+オプション 1選択支払
2nd year Total￥14,800
2年目14,800円
MF Type NM Type+option1+2 Select
(MF型) NM型+オプション1+2選択支払
━━━━━━━
Each 2nd year〜4th year NM Type Select
NM型選択2~4年目各年支払
￥3,400
3,400円
━━━━━━━
━━━━━━━
￥4,000
4,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
━━━━━━━
￥4,800
4,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥11,400
11,400円
━━━━━━━
━━━━━━━
￥2,000
2,000円
￥5,800
5,800円
1st year Total￥19,200
1年目19,200円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,000
12,000円
━━━━━━━
￥2,000
2,000円
￥5,800
5,800円
1st year Total￥19,800
1年目19,800円
￥2,000
2,000円
￥5,800
5,800円
━━━━━━━
1st year Total￥20,600
1年目20,600円
Each2nd year〜4th year￥13,400
各2〜4年目13,400円
M Type NM Type+option1 Select
(M型) NM型+オプション 1選択支払
MF Type NM Type+option1+2 Select
For
(MF型) NM型+オプション1+2選択支払
4 years
1st year NA Type Select
４年留学
NA型選択1年目支払
A Type NA Type+option1 Select
(A型) NA型+オプション1選択支払
AF Type NA Type+option1+2 Select
(AF型) NA型+オプション1+2選択支払
Each 2nd year~4th year NM Type Select
NM型選択2~4年目各年支払
A Type NA Type+option1 Select
(A型) NA型+オプション1選択支払
AF Type NA Type+option1+2 Select
(AF型) NA型+オプション1+2選択支払
50
掛金・保険料一覧表
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
￥12,800
12,800円
━━━━━━━
━━━━━━━
━━━━━━━
￥11,400
11,400円
━━━━━━━
━━━━━━━
￥2,000
2,000円
━━━━━━━
￥12,000
12,000円
━━━━━━━
￥2,000
2,000円
━━━━━━━
￥12,800
12,800円
￥2,000
2,000円
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
━━━━━━━
Each2nd year~4th year￥6,000
各2〜4年目6,000円
Each2nd year~4th year￥6,800
各2〜4年目6,800円
Each2nd year〜4th year￥14,000
各2〜4年目14,000円
Each2nd year〜4th year￥14,800
各2〜4年目14,800円
※ It is absolutely necessary to apply for the special contract for parent's/benefactor's death and the special contract for benefactor's death from accident for the number of years until graduation. The things that are incidental to the special contract
for benefactor's death from accident must be purchased without fail together with the things that are incidental to the special contract for parent's/benefactor's death.
Applications for the special contract for parent's/benefactor's death and the special contract for benefactor's death from accident require separate annual charges (+ JPY 600, + JPY 1,400) in addition to the charges above.
※「父母扶養者死亡特約」
「扶養者事故死亡特約」
は必ず卒業までの年数での申込が必要です。
「扶養者事故死亡特約」
の付帯には、
「父母扶養者死亡特約」
の付帯と合わせての加入が必要です。
「父母扶養者死亡特約」
「扶養者事故死亡特約」
の申込には上記料金以外に毎年別途料金
（＋600円、
＋1，
400円）
がかかります。
◆ The insurance premium for student liability insurance is the insurance premium in the case of purchase by April 29, 2016.
A 30% group discount will apply to student liability insurance. Insurance premiums are determined according to the discount rate in accordance with the number of people who have purchased insurance, and therefore as a result of recruitment
they may be changed to insurance premiums that differ from those stated above. Please understand in advance that in such a case they will be the amount that corresponds to the discount rate. (Excludes facility and product liability insurance)
◆学生賠償責任保険の保険料は2016年4月29日までに加入の場合の保険料です。
学生賠償責任保険については30%の団体割引が適用されます。保険料はご加入いただいた被保険者の人数に従った割引率で決定されますので、
募集の結果上記と
異なる保険料に変更される場合があります。
この場合、
保険料を割引率に応じた金額とさせていただきますので、
あらかじめご了承ください。
（施設・生産物賠償責任保険を
除きます。）
Importance of Insurance.
Japan is one of the safest places to live and study, but accidents sometimes are inevitable no matter how safe a place is. In situations like that it can be very tough
for foreign students who is away from friends and family and living on their own to
cope. This is the reason why even as foreign students we need to take the issue of insurance serious. This was particularly important for me as I had an accident on my
bicycle about 3 months after I had arrived in Japan. My bike crashed with that of a
female Japanese student and although I sustained no injuries she did and her bike
was also damaged. She had to be taken to the hospital. Although the crash was not
the fault of either of us, I had to bear her hospital cost and the repair of her bicycle
because she had gotten injured. Fortunately for me I had subscribed to the Insurance
Policy of my University COOP and they were able to step in and pay the cost of both
the medical bills and a new bike for the girl so that in the end I did not have to pay
anything. This experience made me see the relevance of insurance in our daily living.
I will advice that we as foreign students should pay particular attention to it especially those of us living in private apartment because in case of an accident , your
family might be too far away to come to your aid.
Eric Ofosu-Twum, Hokkaido University
Country: Ghana.
共済・学賠の重要性
日本は、生活し勉強する最も安全な国の一つですが、どんなに安全な国でも時として事故は避けられません。
そのような場
合、家族や友人から離れて自分で対処しなければならない留学生にとっては非常に厳しいものになる場合があります。保険の
問題は、私たち留学生にとっては深刻な問題です。私の経験を紹介します。 私が日本に到着した 3 ヵ月後に、自転車で事故
にあいました。
これは私にとって非常に重要でした。私の自転車は日本人の女生徒と衝突し、私にはケガがありませんでしたが
彼女の自転車が破損し、彼女は病院に運ばれました。事故はお互いのものでしたが、彼女が負傷した為彼女の病院の費用と
自転車の修理を負担しなければならなくなりました。幸いなことに私は、大学生協の学生賠償責任保険に加入していたので、
彼女との間に立ってくれて最終的に私は何も支払う必要がありませんでした。医療費と女生徒のための新しい自転車の両方
の費用を支払うことができました。
この経験で、
日常生活での保険との関連性を理解することができました。私は、私たちのよう
な外国人学生が原因で事故が発生した場合、特に民間アパートに住んでいる私たちが注意を払う為に、共済や学生賠償責任
保険に入るようにアドバイスしたいと思います。
あなたの家族は、
あなたを助けに来るには、
遠すぎると思います。
エリック オフス−トァウム 北海道大学（ガーナ）
51

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