Guide to “Gakkensai”(Insurance for injuries from accidents)
Standard Disaster Compensation for higher education students in Japan “Gakken-sai” is a disaster compensation scheme aimed at providing necessary benefits to students at universities, junior colleges, technical colleges and similar institutions who suffer accidents, to improve and develop educational and research activities in higher education institutions. This is the nationwide standard disaster compensation scheme to which 85% of university and technical college students nationwide (as of 2024) are enrolled.
Types of Insurance Money Payout
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During regular curricular activitiesDuring lectures, experiments, training, seminars, and practical training courses (including schooling for correspondence course students) and research activities under the supervision of an educator (＊Excludes periods during which the person is engaged in these activities in places related to their private life)
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During school eventsDuring participation in all educational activities which include the entrance ceremony, orientation, and graduation ceremony, and other events hosted by the school.
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While in the premises of a school facility during timesDuring periods when the insured is in school facilities owned, used or managed by the school for education.
(＊Excludes periods where you are in the dormitory, activities held in times or places prohibited by the school and conduct prohibited by the school.) -
During extracurricular (club) activitiesDuring cultural or athletic activities in accordance with the school rules and regulations and under the supervision of a student group approved by the school.
(＊Excludes periods where you are playing dangerous sports outside school facilities, activities held in times or places prohibited by the school and conduct prohibited by the school.) -
During the commute to schoolWhile commuting to and from the residence (＊1) and the school facility, etc. by reasonable route(s) and methods(＊2) for the purpose of participating in classes, school events and extracurricular (club) activities, etc. of the school.
※ Only if the insured is enrolled in a course where coverage for personal accidents during commuting to school (abbreviated as “commuting coverage”) is added to the original policy.
＊1: This includes the place of employment for those who enter the school after passing the entrance exam for adults.
＊2: Excludes methods prohibited by the schoolCommuting Coverage -
In transit between school facilities, etc.etween two places including school facilities with the same purpose and using the same routes and methods(＊Excludes methods prohibited by the school.) for commuting as those described in.
Commuting Coverage -
For accidents occurring during clinical trainingMeasures to prevent infectious disease from contact infection
Contact Infection Coverage
保険料・保険金
For further details regarding insurance premiums, insurance benefits, and other matters, please refer to the leaflets and brochures below.
Guide to "Gakkensai"
重要事項
This page provides an overview of Personal Accident Insurance for Students Pursuing and Reserch(“Gakkensai”). Before enrolling, please carefully read the ‘Important Information Statement’ available via the link below.
‘Important Information Statement’ “gakkensai” and “Futai-baiseki”（For periods starting April 2025 onwards）
‘Important Information Statement’ “gakkensai” and “Futai-baiseki”（For periods starting April 2024 onwards）
“Gakkensai” is a jointly guaranteed insurance policy underwritten by Aioi Nissay Dowa Insurance Co., Ltd., Sompo Japan Insurance Inc., Tokio Marine & Nichido Fire Insurance Co., Ltd., and Mitsui Sumitomo Insurance Co., Ltd., with the Japan Educational Exchanges and Services as the policyholder and Tokio Marine & Nichido Fire Insurance Co., Ltd. as the lead underwriter.(As of 1 April 2025)
個人情報の取扱について
Japan Educational Exchanges and Services (JEES), the policyholder of this insurance, will provide private information concerning the names, student numbers, payment dates, etc. of students enrolled in this insurance to the underwriting insurance companies in relation to this insurance. The underwriting insurance companies and their group companies* will use such private information concerning this contract for the purposes of underwriting decisions, management and implementation of duties under this contract, provision of incidental services, information and provision of various other insurance and financial products and related services, conducting questionnaires, as well as in cases 1 to 6 mentioned below. The purposes of using particular confidential health and medical information (sensitive information) are restricted to the scope considered necessary for the appropriate operation of insurance business and the like, under the Insurance Business Law Enforcement Regulations.
- Private information in this contract shall be provided to entities to accomplish purposes of use deemed necessary. Entities include entrusted businesses (including insurance agencies), insurance brokers, medical institutions, entities related to insurance claims and payments, financial institutions, and the like.
- Private information shall be used in cooperation with other insurance companies and the General Insurance Association of Japan for the purpose of making decisions regarding insurance claim payments and other matters.
- Private information shall be used in cooperation between Tokio Marine & Nichido Fire Insurance Co., Ltd. and its Group companies, as well as between Tokio Marine & Nichido Fire Insurance Co., Ltd. and affiliated companies for the purpose of providing and introducing products and services.
- Private information shall be supplied to dometic and overseas reinsurance companies for the purposes of entering, renewing and managing reinsurance contracts.
- Private information shall be provided to secured parties for administrative procedures regarding the establishment, etc. of security rights of pledges, liens, etc., as well as the management, and exercise of such rights.
- Insurance money claim information etc. (including past information) of those covered by insurance shall be provided to the policyholder and the student enrolled in this insurance to ensure stable operation of the contract (e.g., judgments of insurance underwriting relating to renewal contracts)
For details, please refer to the websites of Tokio Marine & Nichido Fire Insurance Co., Ltd and other underwriting insurance companies.
Private information will be included in a list of enrolled members prepared by their schools which Japan Educational Exchanges and Services (JEES) submits to Tokio
Marine & Nichido Fire Insurance Co., Ltd. Should you find it difficult to agree to the above, you are requested to inform Japan Educational Exchanges and Services (JEES) immediately. (Agreement to the above is required to enroll in this insurance.)
