"Ryuhosho"

Comprehensive Renters’ Insurance for Foreign Students Studying in Japan

about

概要

JEES supports international students in finding private accommodation. We assist with finding guarantors. This system comprises overseas travel insurance and a guarantor’s protection fund. Its purpose is to support the smooth accommodation of international students in private housing by alleviating the difficulty of finding a joint surety and reducing the mental and financial burden on joint surety. It provides compensation when an international student must pay damages to a landlord due to a fire in the rented accommodation, or when a joint surety is requested by the landlord to fulfil their guarantee obligations due to non-payment of rent. Should a joint surety be required when seeking private accommodation, we strongly encourage you to use this system.

International students wishing to enroll should consult their school’s designated office.
The school will act as the point of contact for enrolment procedures and accident response.
scheme

制度の仕組み

【JEES】

  • As the organizer of Ryuhosyo, we will operate this program.
  • We will manage the operation of the entire system, including the administration of the Guarantors’ Protection Fund.
  • We enter into a comprehensive contract with the property and casualty insurance company (Tokio Marine & Nichido Fire Insurance Co., Ltd.) with the policyholder being the student enrolled in the Guarantors’ Protection Fund as the insured.



【Cooperating school】

  • To use this system, the school where the international student is enrolled must join as a “partner school. ” A registration fee of ¥50,000 is required at the time of application.
  • Partner schools will promote awareness of the program among international students and faculty/staff, and handle administrative tasks such as coordinating enrollment for international students.


【International student】

  • As a member of the system, you shall bear the cost of insurance premiums and other contributions and remit them to our association.


※In the event of an insurance claim, the insurance company will pay the insurance benefits to the international student based on the claim.
※Regarding fund accidents, after the joint guarantor fulfills the guarantee obligation to the lender, they shall apply to us, and based on this application, we shall pay compensation to the joint guarantor.
Eligibility Requirements

加入条件

This system is available to international students enrolled at schools participating in Ryuhosyo.
The following conditions apply for enrolment. Please note that prospective members must consult the brochure available at school’s designated office.

Target group：International Students
Those who are enrolled in or confirmed to enroll into a university, junior college, technical college, special course at a professional training college, Japanese language institution (approved by the Minister of Justice in Japan) or Certified Japanese Language Education Institution in Japan that participate in Ryuhosyo, and, in principle, those who have the residency status of “Student”

※The guarantor for the tenancy agreement shall be as follows.
Agencies or individuals that act as a joint surety when an international student moves into a private apartment ① Schools such as universities and Japanese language institutions, and their faculty members (director of International Student Center, manager of international student department, etc.) ② International exchange associations, centers, etc. in the school area.

Coverage Amount and Insurance Premium (and Other Fees)

補償金額と保険料等負担金

Structure of Compensation

Overseas Travel Insurance
Compensation for damages to the landlord and third parties arising from fire in the rented room, water leakage to the floor below, etc.
※For damage caused to rooms, the coverage will be limited to cases where the damage is due to fire, explosion, rupture and / or water leakage.
①Liability Insurance for International Students（Up to 50 million yen per accident）
②Insurance for a Disability Resulting from an Accident（Up to 2.4 million yen）
Coverage recipientsInternational Student
Guarantors’ Protection Fund
Compensation for joint surety who have paid rent, restoration costs, general service fees, etc. on behalf of international students.
※Applicable only in cases where the rental agreement is cancelled and the accommodation is handed over within the period of indemnity.
③Guarantor Protection（Up to 300,000 yen※）
※①Rent in arrears are covered for up to 3 months, and ②restoration costs are covered up to ¥100,000, with the total amount for ① and ② not exceeding ¥300,000.
Coverage recipientsJoint surety

Premiums and Other Expenses

Period of Indemnity 1 year 2 years 6 months(extension)
Premiums and Other Expenses
（Insurance＋Fund） 		4,000 yen
（2,500 yen＋1,500 yen） 		8,000 yen
（5,000 yen＋3,000 yen） 		2,000 yen
（1,250 yen＋750 yen）
1 year 4,000 yen
（2,500 yen＋1,500 yen）
2 years 8,000 yen
（5,000 yen＋3,000 yen）
6 months(extension) 2,000 yen
（1,250 yen＋750 yen）
notice

注意事項

For details regarding the scope of group companies and affiliated partners of the underwriting insurer, the data protection officer responsible for managing personal information usage within the underwriting insurer’s group companies, a list of various products and services, and the handling of personal information by the underwriting insurer (and each of its group companies), please refer to the website of Tokio Marine & Nichido Fire Insurance Co., Ltd. (https://www.tokiomarine-nichido.co.jp/).
For details regarding our association’s principles for handling personal information, please see here.

This website provides an overview of the Comprehensive Housing Insurance for International Students and the overseas travel insurance included therein. Please make sure to read the Important Matters Explanation thoroughly before entering into any contract. If there are any points you are unclear about, please contact the policyholder or the underwriting insurance company listed in the brochure.
（Overseas travel insurance is underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd.）