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Personal Accident Insurance and Compensation 傷害保険・お見舞い

Personal accident insurance

 

Personal Accident Insurance for Students Pursuing Education and Research (Gakkensai)

 

All undergraduate and graduate students are covered by Personal Accident Insurance for Students Pursuing Education and Research (Gakkensai). If you suffer accidents that fall under any of the following conditions, apply for insurance benefits to the section in charge of student life within 30 days. If it is difficult for you to apply by yourself within 30 days, you can have someone apply on your behalf. Also, you can apply for Gakkensai benefits even if you are covered by another insurance system that you use personally.

 

Scope of insurance coverage

 

 

Applicable activities

 

Outline of applicable activities

 

(1) Activities in the regular curriculum     Classes and research activities

(2) Activities during school events     Entrance ceremony, graduation ceremony, university campus festivals, etc.

(3) Extracurricular activities off campus     Sports and cultural activities conducted by in-house organizations approved by the University through the procedure defined by university rules

(4) Activities at university facilities     Activities other than (1) and (2) at university facilities excluding training camp accommodations as places for daily life

(5) Commuting     Commuting between your home and a university facility along reasonable routes by reasonable means to participate in activities (1) to (3), excluding travelling between your workplace and a university facility unless you are a working student admitted through an entrance exam for working adults

 

Uncovered cases

Activities prohibited by the University, and activities conducted during periods or in places prohibited by the University; dangerous sports activities (such as mountain climbing); incidents on purpose; diseases; war; earthquakes; radiation accidents; symptoms of chronic disorders that have been latent (such as intervertebral disk herniation); repeated injuries (such as habitual dislocation); whiplash; lower back pain without objective symptoms; accidents suffered during driving without a license or drunk driving, etc.

 

Amount of an insurance benefit and the number of days required for treatment

 

 

Applicable activities

(designated above)

 

Death benefit

 

Residual disorder benefit

 

Applicable number of days required for medical treatment (such as outpatient care)

 

Hospitalization

 

(1) and (2)     12 million yen     Up to 18 million yen     One or more days required for treatment     4,000 yen per day (up to 180 days)

(3) and (4)     Six million yen     Up to nine million yen     14 or more days required for treatment

(5) Four or more days required for treatment

 

Death or residual disorder benefits will be paid for death or residual disorders within 180 days after the accident.

 

Procedure for claiming insurance

 

Steps to claim personal accident insurance

 

Documents in brackets are available at the section in charge of student life.

 

You can apply for a Compensation for Injured Students and a Gakkensai Benefit simultaneously. Apply for them separately.

 

Liability Insurance Coupled with Gakkensai (optional)

 

For details, consult the section in charge of student life.

 

Comprehensive Insurance for Student Lives Coupled with Gakkensai (optional)

 

For details, consult Toyo University Global Service Co., Ltd.

 

Toyo University Compensation System for International Students

 

If an international student suffers a disease or an accident, this system covers the cost of travel for family members from the student’s homeland to Japan.

 

For details, consult the section in charge of student life.

 

Compensation

 

Undergraduate and graduate students can receive compensation if they fall under any of the following conditions. If you qualify, consult the section in charge of student life.

 

 

Name

 

Description

 

Compensation for injured students: Paid to students who need to be hospitalized for one month or more due to injuries

This compensation can be applied for at the same time as a Gakkensai benefit. Applications should be made separately.

Compensation for disaster-affected students: Paid to students whose residences in Japan are affected by storms, floods, earthquakes, fires, etc., according to the level of the disaster

Application for this compensation requires a certificate of disaster impact issued by the municipal mayor.

 

If the person who has mainly supported the livelihood of your household dies and consequently the livelihood of your household drastically changes, you can apply for a Toyo University Category 3 Scholarship. For details, refer to Scholarships.

 

On absence from classes due to hospitalization

 

Refer to Report of Absence.

傷害保険

学生教育研究災害傷害保険(学研災)

学部・大学院の全在学生は、学生教育研究災害傷害保険に加入しています。下記事項に該当する傷害を被った場合は、30日以内に学生生活担当窓口に申し出てください。なお、30日以内に直接申し出ることが難しい場合は代理人による申し出も可能です。また、個人等で加入している保険金請求の有無に関わらず、当保険の請求を行うことができます。

保険対象の範囲

対象となる活動 活動内容の概略
(1)正課中 授業・研究活動中等
(2)学校行事中 入学式・卒業式・大学祭等
(3)学外での課外活動中 大学の規則に則った手続により、大学の認めた学内団体で行う体育・文化活動
(4)大学施設にいる間 (1)(2)以外で学校施設にいる場合。但し、日常生活を行う合宿所は除く。
(5)通学中 (1)~(3)の参加に伴う、合理的な経路・方法での住居・大学施設間の往復中。勤務地と大学施設間は対象外。ただし、社会人入試を経て大学に入学した社会人学生については対象。

 ※対象外のケース
大学が禁じた時間・場所・行為、危険なスポーツ(山岳登はん等)、故意、疾病、戦争、地震、放射線事故、以前から障害が潜在し発症したもの(椎間板ヘルニア等)、繰り返し発生した怪我(習慣性脱臼等)むちうち症、他覚症状のない腰痛、無資格運転、飲酒運転等。

保険金額・必要治療日数

活動内容
(上記)
死亡保険金 後遺障害金 医療(通院等)の対象日数 入院
(1)、(2) 1,200万円 最高1,800万円 治療日数1日以上 1日につき4,000円
(180日限度)
(3)、(4) 600万円 最高900万円 治療日数14日以上
(5) 治療日数4日以上

※死亡・後遺障害は、事故日より180日以内に死亡及び後遺障害が生じた場合。

請求手続き

傷害保険請求手続きの流れ

「 」の書類は、学生生活担当窓口にあります。

※『負傷見舞金』と『学研災』の併用申請も可能ですので、それぞれ申し出てください。

学研災付帯賠償責任保険(任意加入)

詳細については、学生生活担当窓口にお問い合わせください。

学研災付帯学生生活総合保険(任意加入)

詳細については、東洋大学グローバルサービス株式会社にお問い合わせください。

外国人留学生向け学研災付帯学生生活総合保険(インバウンド付帯学総)

学部・大学院の全留学生は、インバウンド付帯学総に加入しています。この保険により、留学生本人が病気や事故にあったとき、家族が母国から来日するためにかかる費用を補償します。

詳細については、学生生活担当窓口にお問い合わせください。

見舞金等

学部・大学院の在学生に対して、以下の項目に該当する場合は、見舞金を給付します。該当者は、学生生活担当窓口へ申し出てください。

名称 内容等
負傷見舞金 負傷により、1ヶ月以上入院を必要とする場合。
学研災保険と併用可。別途手続が必要。
被災見舞金 保護者宅・下宿先が、風・水・震・火災等に遭った場合、その程度により給付。
市町村長が発行する被災証明書が必要。

※主な家計支持者の死亡により家計が急変した場合、東洋大学第3種奨学金の申込が可能です。詳細は奨学金制度を参照してください。

入院による授業の欠席について

欠席届を参照してください。