Personal Accident Insurance and Compensation

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.