In the case that a JET participant is injured or becomes ill during the period of coverage, the JET Accident Insurance Policy allows JET participants to claim back medical costs incurred (minus a ¥5,000 deductible and within the limits of the policy). When receiving treatment, JET participants should first make use of their Social (Health) Insurance and then claim remaining costs with the JET Accident Insurance. The JET Accident Insurance also provides coverage for death caused by accident or illness, disability, and treatment for injuries and illnesses that occur during travel abroad or temporary visits to the JET participant’s home country. Medical costs incurred due to injuries or illnesses that happened before the start of the insurance policy are not covered. For coverage details, please see the JET Accident Insurance Policy Guide.
Policy Outline
Under this policy, comprehensive insurance coverage for overseas travel accidents is provided for Japan Exchange and Teaching (JET) Programme participants (hereinafter called “JET participants”) by a private insurance entity in contract with the Council of Local Authorities for International Relations (CLAIR).
The contents of the policy are identical for all JET participants and there is no need for enrollment. The insurance premiums are paid entirely by the contracting organisation.
| Insurance Type | Overseas Travel Insurance (“JET Programme Accident Insurance”) |
| Contracting Party | Council of Local Authorities for International Relations (CLAIR) |
| Insured Parties | All first year and reappointed JET participants |
| Policy Number | The policy number is determined by the date that the participant arrived in Japan and applies to all JET participants who arrived in the applicable month. Summer 2025 Arrivals (new arrivals and reappointed JET participants) Policy Number:T901410385 April 2025 Arrivals (new arrivals and reappointed JET participants) Policy Number:T901265097 Summer 2024 Arrivals (new arrivals and reappointed JET participants) Policy Number:T901265097 April 2024 Arrivals (new arrivals and reappointed JET participants) Policy Number:T901140909 |
| Period of Coverage | Period of coverage begins on the dates listed below or when the JET participant departs from his/her residence in his/her home country to come to Japan, whichever comes later. Period of coverage ends on the date specified below or when the JET participant returns to his/her residence in his/her home country, whichever comes earlier. New JET participants who arrived in April: The point at which the JET participant departs from his/her residence in his/her home country to come to Japan or two days before arrival in Japan, whichever comes later, until 11:59 p.m. (midnight) 30 April of the following year. New JET participants who arrived in July/August: The point at which the JET participant departs from his/her residence in his/her home country to come to Japan or two days before arrival in Japan, whichever comes later, until 11:59 p.m. (midnight) on 31 August of the following year. Reappointed participants who arrived in April: 12:00 a.m. (midnight) 1 May to 11:59 p.m. (midnight) 30 April of the following year. Reappointed participants who arrived in July/August: 12:00 a.m. (midnight) on 1 September to 11:59 p.m. (midnight) on 31 August of the following year. The period of coverage for participants who withdraw from the programme before the end of their term of appointment (participants who resign mid-appointment) will differ from the dates above. The period of coverage will continue until the day before the corresponding date of the month following the month of termination of appointment or when the JET participant returns to his/her home country, whichever comes earlier. However, the period of coverage will not extend beyond the original period of coverage. (For example, if the JET Programme appointment is terminated on 15 October, the period of coverage under this policy will continue until 14 November, or until the participant returns to his/her residence in his/her home country, whichever comes earlier.) |
| Insurance Enrollment | All JET participants are automatically enrolled in the JET Accident Insurance Policy through their contracting organisation submitting the “Request for JET Accident Insurance Coverage” (Form 3-1-17) to CLAIR. |
Coverage Details
| Type of Coverage -width300 | Amount of Coverage -width300 | Details |
|---|---|---|
| Death | ￥20,000,000 | In the event of death within 180 days reckoning from the date of an accident due to an injury sustained in a sudden and accidental extraneous incident during the period of coverage, the amount insured shall be paid fully. |
| Physical Impediment | Depending on the degree of disability sustained 3%-100% of ￥20,000,000 | In the event of a physical impediment within 180 days reckoning from the date of an accident due to an injury sustained in the same accident as above, 3% to 100% of the amount insured shall be paid depending on the degree of disability sustained. |
| Medical Expenses for Accidental Injury | ￥700,000(￥5,000 deductible) | In the event of receiving medical treatment from a doctor for an injury sustained in a sudden and accidental extraneous incident during the period of coverage, the amount calculated by deducing ￥5,000 from the amount deemed to be appropriate under normal circumstances (limited to the costs requried within 180 days reckoning from the date of an accident), as part of the medical expenses actually incurred in any of the following events, shall be paid within the limits of the amount insured: 1. Medical care and hospitalisation-related expenses paid to doctors and hospitals (including emergency transfer costs, room charges for accommodation facilities, etc., when hospital service is unavailable for a resting treatment prescribed by a doctor) 2. Expenses for employing a translator and transportation expenses that have been necessitated for medical treatment 3. Communication expenses such as international telephone charges and expenses for purchasing personal items (up to ￥50,000) (underlined expenses shall be limited to ￥200,000 in total) |
| Death from Sickness | ￥6,000,000 | The amount insured shall be fully paid in any of the following events: 1. In the event of death from illness during the period of coverage 2. In the event of death within 30 days reckoning from the expiry date of the period of coverage after receiving medical treatment from a doctor within 72 hours upon expiry of the period of coverage due to an illness contracted after inception of the period of coverage 3. In the event of death within 30 days reckoning from the expiry date of the period of coverage due to a specific infection acquired during the period of coverage |
| Medical Expenses for Sickness | ￥700,000(￥5,000 deductible) | The amount calculated by deducting ￥5,000 from the amount deemed to be appropriate under normal circumstances (same as in the paragraph of Medical Expenses for Accidental Injury and limited to the costs required within 180 days reckoning from the date of the first visit), as part of medical expenses actually incurred in any of the following events, shall be paid within the limit of the amount insured: 1. In the event of receiving medical treatment from a doctor within 72 hours upon expiry of the period of coverage due to an illness contracted after inception of the period of coverage 2. In the event of receiving medical treatment from a doctor within 30 days reckoning from the expiry date of the period of coverage due to a specific infection acquired during the period of coverage |
| Personal Liability Insurance | ￥100,000,000 | In the event the insured party is held legally responsible as a result of causing injuries to others or causing damage to other person’s property in personal daily life during the period of coverage, the amount of liability shall be paid up to the limit of the amount insured. |
| Rescue Expenses | ￥4,000,000 | In the event of the following, the actual costs and expenses paid by the insurance policyholder, insured, or family members or relatives of the insured shall be reimbursed to the extent considered appropriate in view of the social conventions, including search and rescue fees, roundtrip airfare for up to three support persons, hotel accommodation charges for up to three persons and up to 14 days for each person, travel expenses and miscellaneous costs at the site of up to 0,000, transport costs from the site to home country, and embalming costs for deceased person’s body of up to ,000,000. 1. In the event of death within 180 days reckoning from the date of an accident due to an injury sustained in a sudden and accidental extraneous incident during the period of coverage 2. When hospitalised for three consecutive days or longer due to injuries caused by an accident that occurred abruptly and by chance during the period of coverage or illness contracted during the term of validity (in the case of illness, however, only cases where the insured began to receive treatment from a doctor during the period of coverage are applicable) 3. In the event of death during the period of coverage due to illness, pregnancy, childbirth, premature delivery or miscarriage 4. In the event of death within 30 days reckoning from the expiry date of the period of coverage after starting to receive medical treatment from a doctor during the period of coverage due to illness contracted during the period of coverage 5. In the event of distress of an aircraft or vessel, in the event life-or-death identification is unfeasible due to the nature of the accident, in the event an official body such as the police has acknowledged that emergency search-and-rescue activities are needed |
1. This insurance policy does not provide coverage for the loss or damage of personal items.
2. This insurance policy does not provide coverage for medical expenses incurred by injuries or sicknesses sustained during official work duties, already covered by the Local Public Service Accident Compensation.
Exclusions
Medical and Rescue Expenses
- Accident arising from any of the following events:
- Willful act or gross negligence of the policyholder, insured party, or beneficiary
- Fights, suicide, crimes
- Wars, riots (excluding terrorist attacks)
- Driving without a valid license or under the influence of alcohol or other drugs
- Pregnancy, childbirth, premature delivery or miscarriage
(Rescue expenses are covered only in the case of the death of the insured)
- Whiplash injury or back problems without reasonable evidence
- Dental treatment
- Chiropractic, acupuncture, or incense treatments performed outside of Japan (others)
Personal Liability Insurance
- Accident arising from any of the following events:
- Willful act of the policyholder or insured party
- Wars, riots (excluding terrorist attacks)
- Personal Liability Insurance is not extended for the following:
- Relatives/family of the policyholder
- Liabilities from injuries sustained as a direct result of carrying out official work duties
- Liabilities from cases of insanity
- Liabilities arising from automobiles (others)
Overseas
Accidents Occurring outside Japan (Coverage during Temporary Leave Abroad)
There is a supplementary contract for insurance coverage during a JET participant’s temporary return to his/her home country. If a JET participant becomes ill or injured within a 30-day period while temporarily returning to his/her home country, benefits will be paid in accordance with the stipulations of the JET Accident Insurance Policy.
When making a claim for benefits, copies of the relevant passport pages will be required in order to verify the entry dates and departure dates, both to and from Japan and the JET participant’s home country and/or a third country.
＊30 days are counted from the date following the date of entry into the JET participant’s home country.
＊As a rule, if the policyholder receives treatment for injuries and/or an illness that occurred in Japan for personal reasons, fees other than hospital fees (such as expenses for returning to the home country) may not be reimbursed by the company.
Filing a Claim
Necessary Claim Documents
【Claim for medical expenses, residual disability or rescue expenses】
Claim Procedure for a sickness or injury happening within Japan
- The JET participant pays for the 30% medical expenses not covered the Social (Health) Insurance (keep all receipts).
- The JET participant or his/her supervisor should promptly (within 30 days) contact the insurance company to report the date, time, place, cause, and symptoms of the injury or sickness, and the name of the treating hospital or clinic, to the insurance company. Please note that delays in notification may result in a claim becoming ineligible for payment.
- The insurance company will make a record of the details and explain how to make a claim for payment. The JET participant should submit all necessary documents.
- After the complete claim application is submitted, the claim will be investigated and, barring any issues, the insurance benefits will be remitted to the designated bank account.
Claim procedure for a sickness or injury happening abroad （emergency procedures)
- The JET participant must pay all of the medical fees him/herself and keep all the receipts or doctor’s notes. There is no money advance system.
- A claim must be made through the Social (Health) Insurance first. Contact your municipal Social (Health) Insurane office for instructions on how to do so.
- After making the claim to Social (Health) Insurance, contact the insurance company to claim the portion of the costs not covered by Social (Health) Insurance. Receipts of the medical fees are needed when applying for reimbursement of medical expenses. In case the original receipts were needed to claim the payment back to the Social (Health) Insurance, please keep copies of those receipts. You may need to provide a proof of reimbursement from the Social (Health) Insurance.
- After the complete claim application is submitted, the claim will be investigated and, barring any issues, the insurance benefits will be remitted to the designated bank account.
＊The insurance company will not make direct payments to medical institutions in Japan or overseas
＊CLAIR provides this outline for guidance, but all matters regarding the claim, including information on additional and supporting documentation to include with a claim, must be made directly to the insurance company.
Contact／Claim Office
If you have problems informing the insurance company of the accident or injury, please have your contracting organisation supervisor contact the insurance company on your behalf.
JET Programme Accident Insurance – Local Offices
| CONTACT |
| Tokio Marine & Nichido Fire Insurance Co., Ltd. Tel: 0120-881-503 (Monday to Friday, 9:00-17:00) |
JET Programme Accident Insurance – Local Offices
| Local Offices -width400 | Contact -width400 |
| Tokio Marine & Nichido Fire Insurance Co., Ltd Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance Nichidokasai・Kumamoto kyodo Building 6th Floor, 5-3-16 Ginza Chuo-ku, Tokyo 〒104-0061 | TEL: 0120-881-503 (Monday-Friday, 9:00-17:00) TEL: 03-5537-3590 (Travelers Insurance Support Desk; for time other than above) |
Accident Insurance Policy Guide
In the case that a JET participant is injured or becomes ill during the period of coverage, the JET Accident Insurance Policy allows JET participants to claim back medical costs incurred (minus a ¥5,000 deductible and within the limits of the policy).
For coverage details, please see the JET Accident Insurance Policy Guide.
FAQ
Who should make the telephone call to the insurance company to report an accident or sickness?
Either the JET participant or a representative from the contracting organisation. If the JET participant does not speak sufficient Japanese, a representative from the contracting organisation should make the call.
I made a telephone call to the insurance company, but could not make myself fully understood. Is there any other way for me to contact insurance company directly?
If you have problems informing the insurance company of the accident or injury, please have your contracting organisation supervisor contact the insurance company on your behalf.
I do not fully understand the claim procedures, so would like to transfer responsibility for such matters to my supervisor. How do I go about this?
A JET participant can receive assistance from their contracting organisation regarding claim procedures or in making telephone calls to the branch office, but other steps such as completing documents, must primarily be taken by the JET participant.
