JET Programme 2021-2022

Japan Exchange and Teaching Programme

Accident Insurance Policy Guide

Council of Local Authorities for International Relations (CLAIR)

http://www.jetprogramme.org/

Managed by: Tokio Marine & Nichido Fire Insurance Co., Ltd.

Importance Notice

Please read this pamphlet carefully and familiarise yourself with the coverage provided. This policy does not cover

prolonged treatment in your home country, and its coverage of short-term treatment is limited, particularly in your home

country or in countries where the Japan Health Insurance Association’s Social (Health) Insurance is not valid.

It is recommended that you maintain medical insurance in your home country while you are in Japan.

- Table of Contents - 1. Policy Outline

Policy Structure ···················································································· 1 2. Coverage (1) Insurance Contract ··············································································· 2 (2) Coverage Details (Outline) ····································································· 4 (3) Exclusions of Coverage ········································································· 5 (4) Accident Occurring Outside Japan (Coverage During Temporary Overseas Travel) ·· 5

3. Claims Procedures (1) Outline of Claims Procedures ·································································· 6 (2) Important Information Regarding Claims Procedures ······································ 7 (3) Questions and Answers ········································································· 9

(i) Reporting Accidents to Tokio Marine & Nichido Fire Insurance (ii) Claims Procedures after an Accident or Illness (iii) Accidents Outside Japan (iv) Insured’s Confirmation of Agreement Form (v) Rescuer Expense Claims (vi) Personal Liability Claims

4. Other (Publications) (1) JET Accident Insurance Policy Guide (herein Policy Guide) ····························· 16 (2) JET Accident Insurance Insured’s Confirmation of Agreement ··························· 16 (3) Documents Sent from Tokio Marine & Nichido Fire Insurance to the JET

Participant in the Case of an Accident ························································ 16 5. Appendices ·························································································· 17 (1) Overseas Travel Insurance Claim Form (Front side) (2) Overseas Travel Insurance Claim Form (Reverse side) (3) JET Accident Insurance Insured’s Confirmation of Agreement (4) JET Accident Insurance Insured’s Confirmation of Agreement — completed sample (5) Kinkyu Sokuho (Emergency Report) (6) Outline of General Conditions and Special Conditions (Endorsements)

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1. Policy Outline Under this policy, comprehensive insurance coverage for overseas travel accidents is provided for Japan

Exchange and Teaching (JET) Programme participants by a group of insurance companies headed by Tokio Marine & Nichido Fire Insurance Co., Ltd., (hereinafter called Tokio Marine & Nichido Fire Insurance) under a contract with the Council of Local Authorities for International Relations (CLAIR).

Insurance Contracting Party CLAIR

Insurance Premium Payer Contracting Organizations

Insured Parties JET Programme participants

Leading Underwriter Tokio Marine & Nichido Fire Insurance Co., Ltd.

This Policy takes the form of a Traveler’s Comprehensive Insurance Contract, which is managed by CLAIR as follows:

(1) Operations of the Insurance Contracting Party -Preparation of the list of Insured Parties, management, and reporting thereof -Collection of contributions corresponding to insurance premiums from contracting organizations -Payment of premiums (provisional or definite) to the Leading Underwriter -Distribution of the Policy Guide

(2) Operations of the Host Prefecture/Designated City -Collection of the Application Form for Participation (limited to Organizations newly participating in the JET

Programme) and the Survey Sheet on the Parties to Whom Membership Fees, Insurance Premiums, and Travel Expenses are Charged (hereinafter, Survey Sheet) for forwarding to CLAIR

-Facsimile transmission of the Kinkyu Sokuho (Emergency Report) in the event a JET participant is involved in an accident

(3) Operations of the Contracting Organization

-Preparation of the Application Form for Participation (limited to organizations newly participating in the JET Programme) and the Survey Sheet for forwarding to the Coordinating Organization

-Remittance of insurance contributions to CLAIR -Forwarding to CLAIR the Insured’s Confirmation of Agreement Forms in the following cases: ･New arrivals who did not submit the form prior to arriving in Japan ･Reappointing JET Programme participants whose beneficiary has changed

(4) Operations of Insured Parties (JET Programme participants) -Submission of the Insured’s Confirmation of Agreement Form to the Embassy or Consulate General of Japan

prior to departure -Reporting of insured events (including illness)

(5) Operations of the Leading Underwriter -Receipt of the list and insurance premiums from the Insurance Contracting Party and completion of the

procedures for participation (including late participations) and withdrawal

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-Issuance of the Policy Guide and other exclusive documents -Receipt of loss advice and payment of claims

(6) Underwriters (as of February 2021) Tokio Marine & Nichido Fire Insurance Co., Ltd., Sompo Japan Insurance Inc., and Aioi Nissay Dowa Insurance Co., Ltd.

This insurance contract is a coinsurance contract arranged by the insurance companies named above, and

each underwriter assumes responsibility for its insurance contract according to its acceptance share, not jointly but severally. In addition, the leading underwriter acts on behalf of the other underwriters. In the event an underwriter declares bankruptcy, the payment of claims and refunds may be suspended or the amount thereof may be reduced for a certain period of time. Please contact CLAIR for confirmation of acceptance shares.

In addition, with regard to any bankruptcy, there are certain types of insurance contracts that provide coverage subject to the terms of the Non-life Insurance Policyholders Protection Corporation of Japan, and any claims payable or refunds shall be made up to a prescribed percentage. Coverage shall be provided up to 80% of claims payable or premiums shall be returned for cancellation (however, for claims payable for an accident within three months of the bankruptcy, the full amount of coverage shall be provided).

(7) Insurance Agent

Toshi Soken Co., Ltd. 〒102-0083 Ichinose Bldg. 4th Floor, 3-5-11, Koji-machi, Chiyoda-ku, Tokyo 03-5216-7077 The insurance agent provides agency operations, such as establishing insurance contracts and management

operations, in accordance with the consignment contract with the underwriters. Therefore, in the event of a duly established insurance contract with an insurance agent, such contract shall be deemed an insurance contract directly with an underwriter.

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2. Coverage

(1) Insurance Contract (i) Insurance Type

Overseas Travel Insurance (called JET Accident Insurance) (ii) Contracting Party

Council of Local Authorities for International Relations (CLAIR) (iii) Insured Parties

All first year and reappointed Japan Exchange and Teaching (JET) Programme participants (hereinafter called the JET participant)

(iv) Policy Number (as of February 2020) i. New JET Programme participants and reappointed JET Programme participants (including those from English speaking countries) who came to Japan for April arrivals T900629142 ii. New JET Programme participants and reappointed JET Programme participants who came to Japan for Summer arrivals T900756291 * As this is policy is managed as a comprehensive contract, all insured parties share a policy number. The contact is revised each year on July 15, and the policy number will change on that date.

(v) Period of Coverage i. Reappointed JET Programme participants for April arrivals (Non-English speaking countries) From May 1, 2021 to April 30, 2022 ¥24,120 ii. Reappointed JET Programme participants for April arrivals (English speaking countries)

From May 1, 2021 to August 31, 2022 ¥28,580 iii. New JET Programme participants who came to Japan for April arrivals From April 10, 2021 to April 30, 2022 ¥25,510 iv. Reappointed JET Programme participants for July/August arrivals From September 1, 2021 to August 31, 2022 ¥21,600 v. Reappointed JET Programme participants until September 13, 2021 for July/August arrivals From September 1, 2021 to September 26, 2021 ¥1, 200 vi. Reappointed JET Programme participants until September 30, 2021 for July/August arrivals From September 1, 2021 to October 14, 2021 ¥2, 140 vii. New JET Programme participants who came to Japan for Summer arrivals Group A From September 7, 2021 to August 31, 2022 ¥21,600 viii. New JET Programme participants who came to Japan for the Summer arrivals Group B From September 11, 2021 to August 31, 2022 ¥21,600 -The period of coverage shall be within the period specified above and starts when the insured leaves his or

her residence in his or her home country and ends when the insured returns to his or her residence. -Insurance contribution amounts for JET Programme participants who arrive at times not specified above shall

be separately calculated based on their schedule of coming to Japan and shall be charged accordingly. (Although the insurance period shall be set from one day prior to the date of arrival in Japan, the period of coverage shall be the insurance period from the time when the JET participant leaves his or her residence in his or her home country up to the time when the participant returns to his or her residence.)

-Starting time and ending time of insurance period: Coverage shall start at 12 a.m. of the first day and end at 11:59 p.m. of the last day.

(v) Refunds of insurance contributions for early resignation (a) Refund of insurance contributions

In the event a JET participant resigns before the end of the appointed period for certain reasons and terminates this policy earlier than prescribed, insurance contributions shall be refunded according to the

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length of the remaining period. A refund of insurance contributions shall be made subject to submission of the Report on Early Resignation (see the Contracting Organization Manual).

(b) Effective Insurance Period The expiry date of the insurance contract for early resignation shall be the previous day of the date of the next month corresponding to the resignation date. However, the period of coverage for a JET Programme participant who do not complete his/her appointment will not extend beyond the original period of coverage.

Example : In a case where the early resignation date is the 15th of October, the expiry date of the insurance contract shall be the 14th of November. Under the circumstances, even after resignation, the effective insurance period shall be extended to the expiry date of the insurance contract or the date of entry into the home country, whichever is earlier. This means that the policy also covers, as a rule, an accident during a JET participant’s return to his or her home country.

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(2) Coverage Details (Outline) The chart below illustrates an outline of policy coverage, and the details are subject to the Policy Conditions. *Policy Conditions are set out in Appendix 6 of this Policy Guide, and the English translation of the Policy Guide.

Type of Coverage Amount of Coverage Details

In cases where the JET participant is tem

porarily returning to his/her home country.

In cases when the JET participant is in Japan or in a third country.

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 fully paid.

Physical Impediment

Depending on the degree of disability

sustained 3% to 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 deducting ¥5,000 from the amount deemed to be appropriate under normal circumstances (limited to the costs required 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 limit of the amount insured: 1. Medical care and hospitalization-related expenses paid to doctors and hospitals (including emergency transfer costs, room charges for accommodation facilities, etc., when hospital service is unavailable or a resting treatment is 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). 4. Expenses for a physician’s statement as required to file a claim.

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

¥50,000,000 (*1) 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 ¥200,000, transport costs from the site to home country, and embalming costs for deceased person’s body of up to ¥1 million. 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 hospitalized 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 period of coverage. (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 the illness contracted during the period of coverage. 5. In the event of distress of an aircraft or a 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.

*This insurance policy does not provide coverage for the loss or damage of personal items. *This insurance policy does not provide coverage for medical expenses incurred by injuries or sickness sustained during official work duties, which are already covered by the Local Public Service Accident Compensation.

(*1) Beginning with insurance contracts starting on 15 July 2021, the amount covered by personal liability insurance will be changed to 100,000,000 yen.

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(ⅰ) Case of temporary travel to home country:(a) Case of entry into the home country only

Leaving the home country

Entry into Japan

The 31st day and the subsequent period up to the time when embarkation procedures are completed are not covered

30 days are covered during the stay in the home country

(b) Case of stopping over in a third country both on the way to and from the home country:

30 days are covered during the stay in the home country

(c) Case of making a trip during temporary travel to home country:

(ⅱ) Case of travel to a third country (without visiting the home country):Leaving Japan

Entry into a third country, F

Leaving the third country, F

Entry into Japan

*The period of coverage for payment is unlimited.

Leaving Japan

Entry into the home country

Entry into a third country, A

Entry into a third country, BThe stay in the third country

is also covered

Entry into Japan

Leaving the third country, D

Entry into a third country, C

Entry into a third country, D

*30 days are covered during the stay in the home country

Leaving Japan

Entry into the home country

Leaving the home country

Leaving Japan

Entry into the home country

Third country, E

Leaving the home country*

Entry into the home country

Leaving the home country*

Entry into Japan

(3) Exclusions of Coverage Medical Expenses for Accidental Injury, Sickness, and Rescue

Expenses Personal Liability Insurance

(i) Accident arising from any of the following events: -Willful act 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) (ii) Whiplash injury or back problems without reasonable evidence (iii) Dental treatment (iv) Chiropractic, acupuncture, or incense treatments performed

outside of Japan (others)

(i) Accident arising from any of the following events: -Willful act of the policyholder or insured party -Wars, riots (excluding terrorist attacks)

(ii) Personal Liability Insurance is not extended for the following: -Relatives/family of the policyholder -Liabilities from injuries caused during official work

duties -Liabilities from cases of insanity -Liabilities arising from automobiles (others)

(4) Accident Occurring Outside Japan (Coverage During Temporary Overseas Travel)

There is a supplementary contract for insurance coverage during a JET participant’s temporary return to his/her home country. If a JET 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 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. * Thirty days are counted from the date following the date of entry into the JET participant’s home country.

(See Q&A Section 3, Section 1 and 2) *As a rule, if the policyholder receives treatment abroad for injuries and/or an illness that occurred in Japan for personal reasons, fees other than hospital fees (such as the expenses for returning to the home country) may not be reimbursed.

(See Q&A Section 2, Question 8)

Covered by the insurance Not covered by the insurance

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3. Claims Procedures

(1) Outline of Claims Procedures Treatment expense

claimsDisability claims Rescuer expense/

compensationDeath benefits Rescuer expense claims

Contracting organizationKinkyu Sokuho

(Emergency Report)Treatment at a hospital Payment of

expenses Confirmation of JET information

Utilization of Health InsuranceKeeping receipts Keeping receipts

Information such as the cause of death

Host Prefecture/Designated City

Reporting to each of the related organizations

Promptly contact the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance to obtain the documents necessary for claims procedures.

Report the following details on the phone:JET number, date and time, place, cause, symptoms of the injury or sickness, name of the hospital or clinic, etc.*For the Policy number, see page 3.

Report an accident by using the facsimile for Kinkyu Sokuho (Emergency Report).

File a claim after recoveryHowever, limited to medical

treatment within 180 days

A disability within 180 days shall be reported as an additional accident.

Preparation of documents for claims procedures

(ⅰ) Overseas Travel Insurance Claim Form(ⅱ) Receipt

etc

(ⅰ) Overseas Travel Insurance Claim Form(ⅱ) Death Certificate or Postmortem Certificate (photocopy)

etc

Occurrence of an injury/illness

Occurrence of an injury

Occurrence of death

Death, missing, etc.Occurrence of an accident

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(2) Important Information Regarding Claims Procedures Reporting an insured event to payment of claims

(i) Service Centers The Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance handles

insurance payments for insured parties. This branch will handle all procedures from receiving and investigating claims to making payments.

Contact for inquiries about claims procedures and reporting of an accident or illness

Monday to Friday, 9:00 a.m. - 5:00 p.m. Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance

0120-881-503 Nichidokasai･Kumamoto kyodo Building 6th Floor, 5-3-16 Ginza, Chuo-ku, Tokyo 104-0061 Japan

*For enquiries in English, clearly state “English, please” to be transferred to an English-speaking operator.

Times other than the above

0120-529-955 *During the hours other than the business hours of 9:00 a.m. to 5:00 p.m., we receive inquiries and provide information on claims procedures at the Travelers Insurance Support Desk of Tokio Marine & Nichido Fire Insurance.

(ii) Contact in the Event of an Accident or Illness

A JET participant or a representative from the contracting organization is requested to promptly (within 30 days) contact the designated person in charge of JET Insurance at the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance. Please note that a delay in contact may result in nonpayment of claims.

If the JET participant does not speak enough Japanese to complete the procedures, a representative from the contracting organization is requested to contact the Service Center on behalf of the participant. Documents required to file a claim will be sent from the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance at this time.

If the JET participant sustains a fatal or serious injury (is unconscious, sustains a residual disability, or requires hospitalization for over one month) or dies of an injury or illness, CLAIR or the host prefecture will forward a copy of the Emergency Report (as printed in the Contracting Organization Manual) to the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance. (See Appendix 5) In the case of an accident involving personal liability, it is necessary to preliminarily obtain the approval of the Service Center.

(iii) Support from the contracting organization Contracting organizations are asked for their cooperation in dealing with claims procedures.

(iv) Necessary Documents for Claims In accordance with the instructions issued by the Overseas Travel Insurance Claims Service Division of

Tokio Marine & Nichido Fire Insurance, the claimant shall complete an Overseas Travel Insurance Claim Form for overseas travel accident insurance, a physician’s statement, and an authorisation and send these documents to the Service Center along with any other necessary documents (hospital receipts, etc.).

(v) Tokio Marine & Nichido Fire Insurance Claim Investigation and Payment Once the documents stated in item 4 above are submitted and the subsequent claim investigation

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determines that insurance benefits are payable, the insurance benefits will be paid into the bank account designated by the JET participant.

Cost of Treatment for Injuries and Illnesses

(i) Amount of Claim The JET participant may only claim the portion of the cost of treatment received in Japan that is not

covered by the Japan Health Insurance Association’s Social (Health) Insurance minus 5,000 yen. (ii) Claim Procedure

To submit a claim, a physician’s statement is required; however, such a statement may be omitted if the amount claimed is ¥100,000 or less. Please attach the patient registration card (a photocopy is acceptable) issued by the hospital or clinic to the Overseas Travel Insurance Claim Form. Receipts will also be needed for submission as proof of payment. (See Q&A Section 2, Question 3)

(iii) Injury or Illness Sustained at Work If a JET participant suffers an injury or illness in the course of their official duties and such illness or

injury incurs financial expenses reimbursed by the contracting organization, claims may not be made through this policy. (See Q&A Section 2, Question 9)

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(3) Questions and Answers

Q&A Section 1 Reporting Accidents to Tokio Marine & Nichido Fire Insurance

Q1. Who should make the telephone call to the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance to report an accident or illness?

A. Either the JET participant or a representative from the contracting organization. If the JET participant does not speak sufficient Japanese, a representative from the contracting organization should make the call.

Q2. I, a JET participant, wish to report an accident via telephone. How should I make the report?

A. As for reporting an accident and the claims procedures, if possible, please have a representative from your contracting organization contact us. However, in an emergency, if you contact the Traveler’s Insurance Support Desk of Tokio Marine & Nichido Fire Insurance below, our staff will assist you. By paying attention to the types of queries and information below, please contact either of the following:

Type of Query/Information Contact

To inform Tokio Marine & Nichido Fire Insurance of an accident or illness and for queries regarding claims procedures.

Monday to Friday, 9:00 a.m. - 5:00 p.m.

0120-881-503 Nichidokasai･Kumamoto kyodo Building 6th Floor, 5-

3-16 Ginza,Chuo-ku, Tokyo 104-0061 Japan Overseas Travel Insurance Accident Service Division (Tokio Marine & Nichido Fire Insurance Co., Ltd.)

* For enquiries in English, clearly state “English, please” to be transferred to an English-speaking operator.

Times other than the above

0120-529-955 * During hours other than the business hours of 9:00 a.m. to 5:00 p.m., we will accept phone inquiries and provide information on claims procedures at the Traveler’s Insurance Support Desk of Tokio Marine & Nichido Fire Insurance.

For general information about the policy or insurance in general CLAIR

Q3. I do not fully understand the claims procedures, so I would like to transfer responsibility for such matters to my supervisor. How do I go about this?

A. In dealing with inquiries about claims procedures and telephone communication with the Service Center of Tokio Marine & Nichido Fire Insurance, representatives from the contracting organizations are asked for their cooperation; however, for the preparation of other documents, it is expected that the JET participant, as the Insured Party, will play a major role. If you wish to delegate the claims procedures to another person, including a representative from the contracting organization, for special reasons, please make sure prior to submission that the JET participant fills in the power of attorney column of the Overseas Travel Insurance Claim Form and that the delegated person signs and seals the claimant column.

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Q&A Section 2 Claims Procedures after an Accident or Illness

Q1. I have an injury (or illness) and wish to use this accident insurance policy to receive medical care. How should I pay for medical expenses at a hospital or clinic?

A. To receive medical care, it is usually necessary to present one’s Japan Health Insurance Association’s Social (Health) Insurance card at the hospital or clinic. After receiving care, the patient pays in cash any amount not covered by the Japan Health Insurance Association’s Social (Health) Insurance. In order to use the JET Accident Insurance policy, it is first necessary to present the Japan Health Insurance Association’s Social (Health) Insurance card to the hospital or clinic. After receiving medical care, the JET participant should pay the portion not covered by the Japan Health Insurance Association’s Social (Health) Insurance and receive a receipt. This receipt is needed to file a claim for insurance benefits from Tokio Marine & Nichido Fire Insurance.

Q2. How is the deductible amount applied to the benefits paid by the insurance policy in the case of treatment for injuries and illnesses?

A. After receiving medical care through Japan Health Insurance Association’s Social (Health) Insurance, the amount paid by the JET participant that exceeds the 5,000-yen deductible will be reimbursed by the insurance policy. Hence, claims cannot be made if the amount paid by the JET participant is less than 5,000 yen.

Q3. I have paid the expenses for my injury or sickness and wish to file a claim for payment under the JET Accident Insurance policy. What is the procedure for filing a claim?

A 1. First, the JET participant or supervisor should telephone Tokio Marine & Nichido Fire Insurance to report the date, time, place, cause, and symptoms of the injury or illness, as well as the name of the hospital or clinic where treatment was provided, to the person in charge of the JET Accident Insurance. The JET participant will be asked for their JET number and the policy number, which can be found on page 2 of this booklet. For contact information, please see Q2 on the previous page.

2. The Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance will make

a record of the details and explain how to file a claim for reimbursement. In cases where the contracting organization contacts Tokio Marine & Nichido Fire Insurance on behalf of the participant, we ask that this explanation be clearly passed on to the participant.

3. The following documents will be necessary. (When advice regarding an accident or illness has been received,

they will be sent out by the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance; however, they can also be downloaded from the website of the JET Programme.) (i) Overseas Travel Insurance Claim Form (ii) Physician’s statement (on the reverse of the Overseas Travel Insurance Claim Form)

In addition, a physician’s statement can be omitted if the amount claimed is ¥100,000 or less. (iii) Receipts for medical expenses

4. When all the necessary documents are ready, send them to the Overseas Travel Insurance Claims Service

Division of Tokio Marine & Nichido Fire Insurance. The Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance will, after checking them, arrange that the claims payable be transferred to the designated bank account.

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Q4. The policy states that I need a physician’s statement when filing a claim. I have heard that this will cost ¥3,000–¥5,000. Will Tokio Marine & Nichido Fire Insurance pay for this?

A. The fee varies from hospital to hospital, ranging from ¥3,000 to ¥5,000. The fee to obtain a physician’s statement can be claimed and reimbursed, provided that the physician’s statement is sent to us. (In cases where the incident is not covered by the policy, we are unable to reimburse the fee for the physician’s statement.) When the amount claimed is less than ¥100,000, a physician’s statement is not required.

Q5. I suffered an injury (or illness) two weeks prior to leaving my home country to participate in the JET Programme. The injury was not fully healed by the time I came to Japan. Can I file a claim on the JET Accident Insurance policy for reimbursement of hospital expenses?

A. No. This insurance policy covers injuries sustained or sicknesses that began after leaving for Japan. Therefore, treatment for this injury (or illness) is not covered.

Q6. Can I file a claim for treatment from a dentist for a decayed tooth?

A. No. This policy does not cover dental treatment for ailments such as tooth decay and gingivitis. However, dental treatment for injuries sustained in an accident is covered (such as if you fell to the ground, breaking your teeth).

Q7. Can I file a claim for cold medicine purchased over the counter?

A. No. This policy only covers medical treatment prescribed by a physician. Q8. I am currently receiving treatment for an illness, but I have already made arrangements to return to my home country for a visit. I would like to continue my treatment while I am at home. Can I claim the costs of treatment in my home country?

A. If the sickness began in Japan and if treatment in your home country is unavoidable, medical expenses incurred during the 180-day period from the commencement of treatment shall be reimbursed. (For bodily injuries, medical expenses incurred within 180 days of the accident shall be reimbursed.) However, if the policyholder receives treatment abroad for personal reasons, fees other than hospital fees (such as the expenses for returning to the home country) may not be reimbursed.

Q9. I have been receiving treatment at a hospital for an injury (or illness) I sustained during the course of my official duties. My contracting organization has paid all the expenses, and I have no financial burden. Can I claim insurance benefits?

A. No. This policy is designed to cover the expenses actually paid by the JET participant. In this case the JET participant incurred no expenses, therefore cannot file a claim. Any expenses that the JET participant incurred through injuries or illnesses sustained in the course of his or her official duties should be covered by the contracting organization and are therefore not covered by this policy.

― 13 ―

Q10. I am the JET participant’s supervisor. Can the contracting organization claim expenses incurred in the treatment of the JET participant’s injury or sickness?

A. As explained in Q9 above, this policy covers expenses that the JET participant incurred for injuries or illnesses. This question concerns expenses borne by the contracting organization, thus this policy does not apply.

Q11. I play football on weekends. Am I covered for injuries sustained playing physical contact sports such as this?

A. Yes. Insurance coverage will however be reduced for some dangerous sports. The dangerous sports are as follows: Mountain climbing (using climbing tools such as an ice axe, climbing irons, rope, hammer, etc.), luge, bobsleigh, skeleton, aircraft piloting, skydiving, hang gliding; ultra-light power aircraft flying (motorized hang glider, micro-light aircraft, ultra-light aircraft, etc.), gyroplane flying, and other dangerous sports similar to the above. Coverage for sports such as skiing, rugby, scuba diving, and hiking (without using climbing equipment) will not be reduced.

Q12. After coming to Japan for JET Programme, the health insurance card won’t be issued until I am dispatched to my contracting organization. If I get injured or sick before the health insurance card is issued, can I file a claim with the JET Accident Insurance policy and have 100% coverage?

A. Yes. The amount paid by the JET participant that exceeds the 5,000-yen deductible will be reimbursed 100% by the JET Accident Insurance policy if the health insurance card is not yet issued due to inevitable reasons.

Q13. I need to receive treatment at a hospital for an injury (or illness) in Japan after finishing my time on the JET Programme. Are medical expenses covered by the JET Accident Insurance in this case?

A. The health insurance becomes invalid at the end of the term of your JET appointment. Regardless, the JET Accident Insurance policy is effective until the end of the insurance term. If there is still time remaining in the insurance term, you can claim medical expenses during treatment under the JET Accident Insurance policy.

Q14. I would like to participate in volunteer activities. In some cases, it is mandatory to purchase volunteer insurance in order to participate. If I get injured or sick during volunteer activities, do I make a claim with the volunteer insurance policy or the JET Accident Insurance policy?

A. First of all, you should confirm whether the volunteer insurance you purchased is fixed amount insurance or “expenses for actual damage” insurance. (The JET Accident Insurance is based on expenses for actual damage.)

(i) If volunteer insurance is fixed amount insurance, you can claim for medical expenses on both insurance policies. (ii) If volunteer insurance is paid based on expenses for actual damage, you can claim for medical expenses on either

of the insurance policies (but not both).

Q15．If a JET participant begins displaying symptoms of an infectious disease after arriving in Japan, and if they go to a Japanese hospital and receive medical treatment, can an insurance claim be made?

A. If the insured is diagnosed by a doctor of medicine to have been infected during the period of liability with a Class I, II, III, or IV Infectious Disease (*1) as stipulated in Article 6 of the Act on the Prevention of Infectious Diseases and Medical Care for Patients with Infectious Diseases (hereafter, the Infectious Diseases Control Law), a designated infectious disease (*2) as stipulated in clause 8 of the same Article, or COVID-19 (novel coronavirus)

― 14 ―

(*3) as stipulated in clause 7, item 3 of the same Article, the treatment costs will be subject to compensation. In this instance, insurance will cover medical costs incurred starting within 30 days of the termination of the period of liability.

*1）For further details, please refer to the document on the “Categorisation of Infectious Diseases Regarding the Infectious Diseases Control Law” located on the Ministry of Health, Labour and Welfare’s homepage. (Link: https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/kenkou_iryou/kenkou/kekkaku-kansenshou/kekkaku-kansenshou11/01.html#h2_free3)

*2）Only when the same level of measures as those for Class 1 to Class 3 Infectious Diseases are taken upon Cabinet Order.

*3）Only when the pathogen is a betacoronavirus coronavirus (limited to that newly reported by the People's Republic of China to the World Health Organisation in January 2020 of its ability to transmit to humans).

― 15 ―

Q&A Section 3 Accidents Outside Japan Q1. What is the period covered by this policy for treatment received (a) in my home country, and (b) in a third country?

A. (i) This policy covers treatment received within 30 days after the day of entry in your home country, for an illness that began or injuries that were sustained in an accident that occurred within that 30-day period. It does not cover the period from the 31st day until the time when procedures for departing from your home country are completed.

(ii) When travelling to a third country, coverage is provided regardless of the destination or length of stay, as long as it is within the period of coverage.

Q2. If I suffer an injury or illness during temporary home leave or during a trip to a third country, how should I pay for treatment? What are the claims procedures in this case?

A. You should pay directly for any expenses to the hospital overseas. After returning to Japan, you should first file a claim for these expenses with the Japan Health Insurance Association’s Social (Health) Insurance. The following materials will be required to file this claim: (i) Application Form for Reimbursement of Medical Expenses (ii) Attending physician’s statement (include a Japanese translation, and the name, address, and signature of the

translator) (iii) Itemised receipts (include a Japanese translation, and the name, address, and signature of the translator) (iv) Medical receipts

Once this claim has been filed, contact the Overseas Travel Insurance Claims Service Division of Tokio Marine & Nichido Fire Insurance to claim the costs that were not covered by the Japan Health Insurance Association’s Social (Health) Insurance. You will need the receipts for the medical fees when applying for reimbursement of medical expenses to Tokio Marine & Nichido Fire Insurance. When claiming expenses from the Japan Health Insurance Association’s Social (Health) insurance, please make sure that you make copies of the original receipts beforehand. *Cashless medical treatment services are not available under the Policy.

Please contact a local office of the Social Insurance Agency regarding the above forms. When returning temporarily

to your home country or traveling in a third country, please take the Attending Physician’s Statement and Itemised Receipts forms with you and have the physician abroad fill them out should you receive treatment.

Q&A Section 4 Insured’s Confirmation of Agreement Form

Q1. What is the meaning of the JET Accident Insurance Insured’s Confirmation of Agreement Form? Is it absolutely necessary to indicate a beneficiary on the form?

A. Completing the Insured’s Confirmation of Agreement form confirms the beneficiary and helps facilitate the payment process. If the JET participant does not submit a completed form declaring the beneficiary, statutory heirs will be required to provide proof that they are the JET participant’s statutory heir in order to receive insurance payments. The cost and time involved in this process will vary from country to country but will always be the responsibility of the heir. We request that all new JET Programme participants complete the Insured’s Confirmation of Agreement Form.

Only the parents, spouse, children, grandparents, or siblings of the participant may be designated beneficiaries. If none of these family members are alive, please contact the Department of JET Programme Management at CLAIR.

― 16 ―

You will be required to designate another family member. Submit the original prior to departure via the Embassy or Consulate General of Japan to the insurance company.

(You must submit the original; a copy is not acceptable.) Please submit the form again if changes are made to the beneficiary.

Q&A Section 5 Rescuer Expense Claims

Q1. If a JET participant is hospitalized for more than three consecutive days for an accident or illness and their parents come to Japan as rescuers, what costs will be covered by the policy?

A. The following costs will be reimbursed: (i) Roundtrip airfare (limited to up to three people) (ii) Hotels or accommodation expenses (limited to up to three people for a maximum of 14 days) (iii) Miscellaneous expenses (travel within Japan including train and taxi fares, international telephone calls, etc., up

to ¥200,000 of actual expenses) The maximum total claim for such expenses, including all search and rescue expenses, is ¥4,000,000. (Costs

explained in Q2 and Q3 below are also included in this amount.) Receipts will be required for all claims.

Q2. If a JET participant dies from an accident or illness, will expenses incurred in the treatment and transportation of the body be covered by the policy?

A. Embalming costs (up to ¥1,000,000) and transportation expenses (air or ground transportation) will be covered. In cases where the body is cremated, cremation expenses of up to ¥1,000,000 will be covered. Funeral expenses are not covered.

Q3. The family of the deceased has been charged for preparation of the body. Would it be possible for Tokio Marine & Nichido Fire Insurance to pay the company directly?

A. It is possible for Tokio Marine & Nichido Fire Insurance to cover the costs charged to the family and pay the company directly. However, it will be necessary for a family member to complete an Overseas Travel Insurance Claim Form. In this case, these payments will take priority over rescuer expenses, which will be covered up to the limit for rescuer expenses.

Q&A Section 6 Personal Liability Claims

Q1. If a JET participant has an obligation under local regulations to obtain bicycle insurance, would it still be necessary to obtain other insurance outside of the JET Accident Insurance policy?

A. It would not be necessary to obtain extra insurance. JET Accident Insurance can make payments of up to ¥50,000,000. However, the policy does not include settlement negotiation services, therefore negotiations regarding share of responsibility or settlement amounts cannot be made on behalf of the insured in the event of an accident.

― 17 ―

4. Other (Publications)

(1) JET Accident Insurance Policy Guide (herein Policy Guide) (i) Distribution Method: Download from the JET Programme website

(2) JET Accident Insurance Insured’s Confirmation of Agreement

(hereinafter, Insured’s Confirmation of Agreement) (i) Distribution Method: Download from the JET Programme website (ii) Submission Method

(a) Submit to the embassy or consulate of Japan by the set deadline prior to departure JET participant → Embassy or Consulate General of Japan → CLAIR → Tokio Marine & Nichido Fire

Insurance (b) New Arrivals who did not submit this document prior to departure must submit it as follows.JET

participant → contracting organization → CLAIR → Tokio Marine & Nichido Fire Insurance(*)

*Addressee:〒102-0083 1-7, Kojimachi, Chiyoda-ku, Tokyo Person in charge of JET Accident Insurance, Department of JET Programme Management. CLAIR. The deadline is not set, however, please submit this form as soon as practicable upon arrival. Instructions have already been issued to JET Programme participants via the diplomatic missions abroad to the effect that they are expected to submit this form to the person in charge as soon as possible upon arrival.

(iii) Points to Remember when Submitting the Form

Every year we have to return a considerable number of submitted forms to the senders due to deficiencies. Please note the instructions on the form and make sure of the following:

□ The form is the original (photocopies are not acceptable)

□ The beneficiary is appropriate

□ You have signed above any corrections *However, if the form is missing or lost, please complete the form downloaded from the website and submit the original; keep a photocopy retained in your files.

(3) Documents Sent from Tokio Marine & Nichido Fire Insurance to the JET Participant in the Case of an

Accident (ⅰ) Overseas Travel Insurance Claim Form (Appendix 1, 2)

*For other necessary documents, the person in charge will explain to you.

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5. Appendices

Appendix 1 Overseas Travel Insurance Claim Form (Front side)

(When a notice regarding an accident or illness has been received, Tokio Marine & Nichido Fire Insurance will send you a copy of this document; however, you can also download it from the JET Programme website.)

Appendix 2 Overseas Travel Insurance Claim Form (Reverse side) (Ditto)

Appendix 3 JET Accident Insurance Insured’s Confirmation of Agreement (Ditto)

Appendix 4 JET Accident Insurance Insured’s Confirmation of Agreement— completed sample

Appendix 5 Kinkyu sokuho (Emergency Report) (Ditto)

Appendix 6 General Conditions and Endorsement of Insurance (Abstract)

― 19 ―

Appendix 1Overseas Travel Insurance Claim Form Download from the JET Programme website

― 20 ―

Appendix 2Overseas Travel Insurance Claim Form

Download from the JET Programme website

― 21 ―

Appendix 3

前年同条件で保険期間が延長される場合も含みます。また、保険期間はあくまでも契約者のものであり、個々の JET 参加者の保険期間は異なる場合があり

JET Accident Insurance Insured’s Confirmation of Agreement

Download from the JET Programme website

― 22 ―

Appendix 4JET Accident Insurance – Completed Sample

― 23 ―

Appendix 5

※本様式送付時の送り状は不要です。

＜様式 5-2-① 緊急速報＞

自治体国際化協会 研修・カウンセリング課御中

（FAX 03-5213-1743）

緊急速報

令和 年 月 日（ ）

任用団体名

電話

FAX

担当

JET 参加者氏名

国 籍

性 別 男 ・ 女

推薦公館

名

JET 参加者番号 タイプ CIR ・ ALT ・ SEA

パスポート NO.

外国人登録番

号

配属先

配属先名

所在地

電話/FAX

JET 参加者住

所・電話

母国連絡先（氏名､住所､電話、続柄）

１．事件・事故等の概要

２．当面の措置状況

３．今後の対処事項

４．その他

FAX 送信者（取りまとめ団体名）

都道府県 （市） 部 課

TEL 担当者名

Kinkyu Sokuho (Emergency Report)

― 24 ―

Appendix 6

OVERSEAS TRAVEL INSURANCE GENERAL CONDITIONS

AND SPECIAL CONDITIONS

(ENDORSEMENTS)

Revised edition in December 2017

Tokio Marine & Nichido Fire Insurance Co., Ltd.

― 25 ―

1.Overseas Travel Insurance General Conditions ························· 24

（海外旅行保険普通保険約款）

2. Loss of Life from Injury Endorsement ······································ 37

（傷害死亡保険金支払特約）

3. Physical Impediment from Injury Endorsement ·························· 45

（傷害後遺障害保険金支払特約）

4.Loss of Life from Illness Endorsement ····································· 57

（疾病死亡保険金支払特約）

5.Medical Expenses for Injury Endorsement ································ 63

（傷害治療費用担保特約） 6. Medical Expenses for Illness Endorsement ······························ 72

（疾病治療費用担保特約） 7. Rescuer's Expenses, etc., Endorsement ·································· 80

（救援者費用等担保特約） 8. Liability Endorsement ························································ 90

（賠償責任危険担保特約） 9.Temporary Stay in the Home Country Endorsement ···················· 97

（一時帰国中担保特約）

Note: All translations in this "OVERSEAS TRAVEL INSURANCE GENERAL CONDITIONS and SPECIAL CONDITIONS (ENDORSEMENTS)" are unofficial. Only the Japanese language version of the "OVERSEAS TRAVEL INSURANCE GENERAL CONDITIONS and SPECIAL CONDITIONS (ENDORSEMENTS)" has legal force, the English translation is intended as a reference to help understand the conditions.

We are unable to take responsibility for any problems which may occur when using these pages. For details on the conditions the insurance policy, please refer to the Japanese version.

― 26 ―

Overseas Travel Insurance General Conditions General Conditions of Insurance for Overseas Travel Insurance

Chapter 1 Provisions for Defining Terms

Article 1 (Definition of terms) In these General Conditions and Endorsements attached to this insurance contract, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Doctor of medicine Outside of Japan, the term shall mean a person qualified as a doctor of medicine at the time when, and at the place, where the insured receives a medical examination, treatment or diagnosis. If the insured is a doctor of medicine, the term shall mean a doctor of medicine other than the insured. Organized tour The term shall mean a tour organized by a travel agency (*1) after making, to attract tourists in advance or upon the request of tourists, a tour plan showing destinations, an itinerary, details of transport and other services (*2)), which tourists are entitled to receive and the price of the tour to be paid by them and by concluding, for its own account with providers of such transport and other services (*2), a contract concerning those services (*2) which need to be provided to tourists without fail in accordance with the above tour plan. (*1) A travel agency means a business registered under the Travel Business Law as engaged in such a profession. (*2) Transport and other services shall mean transport or accommodations services. Risks The term shall mean the possibility of the occurrence of loss or damage. Habitation facilities The term shall mean facilities other than accommodation facilities, intended mainly for lodging purposes. Disclosure items The term shall mean such important items, such as those which the Company requests of applicants for insurance purposes for disclosure as items to be entered into applications for insurance. (*1) The term includes items concerning other insurance contracts, etc. Replacement Value The term shall mean the cost of items of the same structure, quality, utility, scale, form, and ability to replace the insured items.

― 27 ―

Illness The term shall mean a physical impairment other than a bodily injury, with the exclusion, however, of pregnancy, childbirth, premature delivery and miscarriage. Beneficiary of death benefits The term shall mean a recipient of death benefits provided for in an endorsement, if any, attached to this insurance contract covering either death from injury or illness. Accommodations The term shall mean either of the following facilities intended mainly for lodging purposes: (a) Facilities prepared under an organized or arranged tour. (b) Hotels, inns and the like. Apartments, etc., of which the main purpose is leasing are excluded. (c) Facilities other than (a) and (b) above in cases where the period of the insured's overseas trip

ends within thirty-one (31) days of his/her departure from the country of his/her home address including the date of his/her departure.

Injury The term shall mean a bodily injury sustained by the insured in a sudden and fortuitous accident of an external origin, including any toxic symptoms (*1) arising from a sudden and temporary inhalation, absorption or taking of poisonous gases or substances. (*1) The term excludes the state of toxic symptoms arising from the habitual inhalation, absorption or taking of such gasses or substances. Family Members The term shall mean relatives within the sixth degree of consanguinity, spouses, or in-law relatives within the third degree of consanguinity. Loss, damage, etc. The term shall mean loss, damage, injury or illness for which the Company is bound to pay insurance claims under the provisions of this insurance contract or endorsements attached thereto. Other insurance contracts, etc. The term shall mean any other concurrent insurance contracts or mutual aid contracts having liability provisions either wholly or partially the same as those under this insurance contract. Treatment The term shall mean any treatment considered necessary by a doctor of medicine and conducted by a doctor of medicine. Outpatient treatment The term shall mean any treatment which the insured receives by visiting a hospital or clinic or receiving a house call. The term does not include the reception of pharmaceuticals, medical certificates, medical instruments, etc. which are not accompanied by treatment.

― 28 ―

Arranged tour The term shall mean a tour which a travel agency (*1) agrees to arrange upon the request of tourists so that they may receive transport, accommodations and other tour-related services offered by transport, accommodations and other facilities, by acting as an agent, intermediary or negotiator for tourists. (*1) A travel agency means a business registered under the Travel Business Law as engaged

in such a profession.

Hospitalization The term shall mean cases where the insured goes to a hospital or clinic and devotes himself/herself to treatment under the constant care of a doctor of medicine when treatment at home, etc. is difficult. Spouse The term shall mean the other party of in a marriage, and includes a person who has not submitted a marriage notification, but is in a virtually married state or a person of the same sex according to family register whose relationship is essentially no different from marriage. Insured The term shall mean the insured person stated in the insurance policy. Insured value The term shall mean the value of the insured objects at the location where and at the time when an accident occurs. Period of insurance The term shall mean the period of insurance stated in the insurance policy. Insurance claims The term shall mean insurance claims provided for in each endorsement attached to this insurance contract. Insured event The term shall mean causes or reasons provided for as an insured event in each endorsement attached to this insurance contact Underwriting year In the first year of the term shall refer to a period of one year from the first day of the period of insurance in the first year or, in the subsequent years, it means a period of one year from their respective dates corresponding to the first day of the original period of insurance. In cases, however, of insurance contracts of which there is a fraction of a period not exceeding one year, the term shall mean a fractional period from the first day of the period of insurance or, in the subsequent years, a period of one year from the day following the last day in the first year, with the same applying in the future.

― 29 ―

Unmarried The term shall mean the state of having no record of marriage in the past. Itinerary The term shall mean the course of travel from the time when the insured leaves his/her domicile for purposes of the overseas travel mentioned in the insurance policy and returns to their domicile.

Chapter 2 Compensation Articles

Article 2 (Cases where insurance claims are paid) The Company shall pay insurance claims in accordance with the General Conditions of Insurance and Endorsements attached to this insurance contract. Article 3 (Cases where insurance claims are not paid) Cases where insurance claims are not paid shall be determined in accordance with the provisions of the Endorsements attached to this insurance contract. Article 4 (Presumption of death) In the event that an aircraft or watercraft boarded by the insured becomes missing or is in distress and the safety of the insured cannot be ascertained within thirty (30) days, including the date of the accident, the Company presumes that the insured met his/her death on the day when the aircraft or watercraft became missing or was in distress.

Chapter 3 Principal Articles

Article 5 Commencement and termination of insurance liability (1) The Company's liability for insurance shall start from 0:00 hours of the first day of the period of insurance and end at 12 p.m. of the last day of the period of insurance. (2) The hours mentioned in the preceding paragraph shall be measured in the Japanese Standard Time. (3) Notwithstanding provision (1) above, in cases where, despite the schedule of arrival at the final destination of travel by 12 p.m. of the last day of the period of insurance, the insured fails to do so because of any of the causes mentioned below, the Company shall agree to extend the termination date of insurance liability within the range of delay ordinarily possible, because of such causes up to, however, seventy-two (72) hours. ① Delay or cancellation, or suspension of service of the transportation facilities (*1) which the insured boarded or was scheduled to board as a passenger and which are operated according to schedules; ② A failure to board an aircraft or watercraft due to the insufficient handling of booking on the part of transportation facilities (*1); ③ The insured received treatment; ④ Theft or loss of the insured's passport in cases only where the insured received the

― 30 ―

re-issued passport or a travel document; or ⑤ Hospitalization of the insured's accompanying family members (*2) or persons expected to travel with the insured (*3). (4) In addition to the cases mentioned in (3) above, the termination date of the Company's insurance liability shall be extended in cases where, despite the schedule of arriving at the final destination of travel by 12 p.m. of the last day of the period of insurance, the insured fails to do so because of any of the causes mentioned below, from 12 p.m. of the last day of the period of insurance until time as needed for the insured to be liberated and get back on the normal course of travel. In this case, however, extensions of liability shall end at the time when the insured reaches the final destination or the time (*4) when he/she leaves for a new destination which was not included in the original schedule, whichever is the earlier. ① Illegal control by a third party or restraint by the public authorities on transportation facilities (*1) boarded by the insured or facilities into which the insured were admitted; ② Restraint on the insured by the public authorities; ③ Abduction of the insured; or ④ Outside of Japan when it has become difficult for the insured to leave the country the airport is located in because of the closure of the airport. (5) Notwithstanding the provisions of (1), (3) and (4) above, the Company shall not be liable to pay any loss or damage caused by any of the insured events mentioned below: ① An insured event occurring prior to the receipt of insurance premiums; or ② An insured event occurring prior to the commencement or after the termination of the insured's itinerary (*1) The term shall mean transportation facilities such as an aircraft, watercraft vehicles, etc. (*2) The term shall mean the insured's spouse, relative(s) living together with the insured or the insured's spouse who is financially supported by the insured or an unmarried child

(unmarried children) living separately from the insured or his/her spouse but is financially supported by the insured.

(*3) The term shall mean the person(s) who booked participation in the same tour as the insured's and accompanied him/her on the tour. (*4) The term excludes cases which are necessary and unavoidable for a move to the final destination. Article 6 (Duty of disclosure) (1) The policyholder or the insured shall inform the Company of the accurate details regarding matters subject to disclosure items at the time of concluding an insurance contract. (2) The Company may cancel this insurance contract by sending notice in writing to the policyholder in cases where, at the time of the conclusion of the contract, the policyholder or the insured failed to inform the Company, willfully or by gross negligence, of matters subject to disclosure items or misrepresented said facts. (2) The provisions of the preceding paragraph shall not apply to cases falling under those mentioned below: ① The facts disclosed in (1) above are no longer factor;

― 31 ―

② The Company was aware of the facts provided for in (2) above or was not aware thereof because of negligence on its part(*1); or ③ The Company approved an amendment to matters subject to disclosure items informed by

the policyholder or the insured, in writing, prior to the occurrence of an insured event; The Company shall approve an amendment proposed in cases where it would have agreed to conclude the insurance contract even if such fact had been made known to the Company at the time of the conclusion of the contract. ④ One month has passed since the Company became aware of the cause for cancellation provided

for in (2) above, or five years have passed since the conclusion of the insurance contract. (4) Notwithstanding the provision in Article 14 (Effect of terminating this insurance contract), the Company shall not pay insurance claims even if the cancellation provided for in (2) above was made after the occurrence of loss, damage, etc., In this case, the Company may request a refund of insurance claims already paid, if any. (5) Provision (4) above shall not apply to loss, damage, etc., incurred from an insured event which is not based on the facts provided for in (2) above. (*1) The term includes cases where the person concluding an insurance contract on behalf of

the Company prevented the policyholder or the insured from disclosing facts or recommended that the policyholder or the insured should not disclose or misrepresent facts.

Article 7 (Duty of notice concerning the change of professions or duties) (1) The policyholder or the insured shall inform the Company without delay of any change made in the course of the itinerary of his/her professions or duties stated in the insurance policy. (2) The same understanding as in (1) above shall apply to cases where the insured who is unemployed becomes employed or where the insured quits the business stated in the insurance policy. Article 8 (Change of the policyholder's address) The policyholder shall inform the Company without delay of a change in the address or the place of contact stated in the insurance policy. Article 9 (Nullifying of the insurance contract) (1) This insurance contract shall become null and void on the occurrence of any of the facts mentioned below: ① The insured concluded an insurance contract for the purpose of getting insurance claims illegally or aiding a third party in getting insurance claims illegally; or ② The policyholder did not get the agreement of the insured in cases where, in insurance contracts in which a person other than the policyholder is made the insured, an endorsement is attached thereto agreeing to the payment of an insurance claim at a certain sum for an injury or illness. (2) Provision ② in (1) above shall not apply to cases where each endorsement referred to therein falls under any of the cases mentioned below: ① An endorsement in which the insured is the beneficiary of insurance claims; or ② An endorsement (*1) in which the heir-at-law to the insured is the beneficiary of insurance claims.

― 32 ―

(*1) Such an endorsement shall be confined to cases where this insurance contract is coupled with an endorsement whereby a certain amount of an insurance claim other than that for death benefits from injury or death benefits from illness is payable for an injury or illness sustained by the insured. Article 10 (Lapse of the insurance contract) This insurance contract shall lapse in the case of the death of the insured after termination of the contract. Article 11 (Revocation of the insurance contract) The Company may revoke this insurance contract by sending a notice in writing to the policyholder in cases where the contract was effected by fraud or under threat of the policyholder, the insured, or the beneficiary of insurance claims. Article 12 (Cancellation of the insurance contract by the policyholder) The policyholder may cancel this insurance contract by sending notice in writing to the Company. Article 13 (Cancellation due to material causes) (1) The Company may cancel this insurance contract by sending notice in writing to the policyholder on the occurrence of any of the causes falling under the following cases: ① The policyholder, the insured or the beneficiary of insurance claims caused or attempted to cause loss or damage for the purpose of having the Company pay insurance claims under this insurance contract; ② The insured or the beneficiary of insurance claims committed or attempted to commit a fraud regarding the payment of insurance claims under this insurance contract; ③ The policyholder is considered to: a. Belong to an antisocial force (*1); b. Be related to an antisocial force (*1) by offering funds, favors, or the like; c. Improperly utilize the services of an antisocial force (*1); d. Be a corporation managed by an antisocial force (*1) or whose business administration is virtually influenced by an antisocial force; or e. Have a socially condemnable relationship with an antisocial force (*1). ④ There is the possibility of a situation where the purposes of the insurance system are lost because of an excessively high total sum insured, etc., as a result of duplication in content with other insurance contracts effected, etc.,; or ⑤ In addition to the cases mentioned in ① to ④ above, the Company was led to lose trust in the policyholder, the insured or the beneficiary of insurance claims to a similar extent as in ① to ④ as a result of material causes, making it difficult

for the Company to keep this insurance contract in effect. (2) The Company may cancel this insurance contract (*2) by sending notice in writing to the policyholder, in either of the following cases: ① The insured falls under either of (a) to (c) or (e) of ③ of (1); or ② A beneficiary of insurance claims for the loss, damage, etc., to the insured falls under either

of (a) to (e) of ③ of (1).

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(3) Despite the provision in Article 14 (Effect of canceling this insurance contract), the Company shall not pay any insurance claims (*4) for loss or damage due to an insured event (*3) which occurred between the time when the causes mentioned in ① to ⑤ of (1) above or causes mentioned in ① or ② of (2) occurred and the time when this insurance contract is cancelled, even in cases where the cancellation occurs in accordance with the provisions of (1) or (2) above was made after the occurrence of the insured event (*3). In this case, the Company may request the refund of insurance claims (*4) paid already, if any. (*1) The term shall mean a crime syndicate, members thereof (*5), quasi members thereof, related firms, and other antisocial forces. (*2) It is limited to the parts related to the insured (*3) If the contract is cancelled in accordance with section (2), this refers to the insured event that occurring to the insured. (*4) If the contract is cancelled in accordance with ② of (2), this is limited to the amount to be received by the person who falls under either of (a) to (e) of ③ of (1). (*5) This includes those who broke away from a crime syndicate in the past 5 years. Article 14 (Effect of canceling this insurance contract) The cancellation of contract shall only be valid in the future (not retro actively). Article 15 (Refund of premiums or requests for additional premiums - Duty of disclosure, etc.) (1) In cases where details disclosed under Article 6 (Duty of disclosure) are different from facts and where it is necessary for the Company to change premiums, the Company shall refund premiums or request the payment of additional premiums in accordance with the difference in premiums. (2) In cases where the policyholder fails to pay an additional premium calculated under provision (1) above (*1), the Company may terminate this insurance contract by sending notice in writing to the policyholder. (3) In cases where, at the time of requesting the payment of additional premiums under provision (1) above, this insurance contract may be terminated under provision (2) above, the Company shall not pay insurance claims. In this case, the Company may request the refund of insurance claims paid already, if any. (4) In addition to (1) above, in cases where, after the conclusion of this insurance contract, the insured informs the Company, in writing, of a change in the insurance contract, seeks approval from the Company and obtains its approval and where, as a result, it has become necessary for the Company to amend the applicable premium, the Company shall refund a premium or request the payment of an additional premium for the unexpired periods based on the calculation of premiums before and after such change. (5) In cases where a request for payment of an additional premium is made under provision (4) above and where the policyholder fails to comply with the request, the Company shall pay any loss or damage caused by an insured event occurring prior to the receipt of the additional premium in accordance with the General Conditions of Insurance and Endorsements applicable to this insurance contract on the understanding that the request for approval of a change in the conditions of the insurance contract was not made. (*1) Such cases shall be restricted to those where, despite a request to the policyholder

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for payment of an additional premium, the payment was not made within a reasonable period. Article 16 (Refund of insurance premiums - Nullity or lapse) (1) The Company shall refund the whole amount of premiums in cases where this insurance contract becomes null. The refund of premiums shall not be made, however, in cases where this insurance contract becomes null under the provision of ① of (1) of Article 9 (Nullifying of the insurance contract. (2) In cases where this insurance contract lapses, the Company shall refund premiums calculated daily pro rata for the unearned period of insurance. Article 17 (Refund of insurance premiums - Revocation) The Company shall not refund premiums in cases where the Company revokes this insurance contract under the provision of Article 11 (Revocation of the insurance contract). Article 18 (Refund of premiums - Cancellation) (1) In cases where this insurance is terminated under the provisions mentioned below, the Company shall refund premiums calculated daily pro rata for the unexpired period of insurance. ① (2) of Article 6 (Duty of disclosure) ② (1) of Article 13 (Cancellation due to material causes) ③ (2) of Article 15 (Refund of premiums of or request for additional premiums - Duty of disclosure, etc.) (2) In cases where this insurance contract is cancelled by the policyholder under provision in Article 12 (Cancellation of the insurance contract by the policyholder), the Company shall refund the balance of premiums after deduction of premiums for the earned period of insurance. (3) In cases where, in accordance with provision (2) of Article 13, the Company cancels this insurance contract (*1), the Company shall refund a premium calculated daily pro rata for the unearned period. (*1) The application of which shall be limited to parts related to the insured. Article 19 (Request for payment of insurance claims) (1) The right to request the payment of insurance claims by the Company shall come into force and may be exercised from the hours stated in their respective endorsements attached to this insurance contract. (2) At the time of request for the payment of insurance claims, the insured or the beneficiary of insurance claims shall submit to the Company any of the forms requested by the Company. among those provided for in the endorsements attached to this insurance contract. (3) In cases where the insured finds it difficult to make a request for payment of insurance claims directly by himself/herself and where there is no person who can receive insurance claims for and on behalf of the insured, any person mentioned below may request the payment of insurance claims as the agent for the insured by submitting a statement explaining the situation to the Company and obtaining its approval: ① The insured's spouse living together with or financially supported by the insured (*1); or ② A person within the third degree of consanguinity living together with or financially supported by the insured (*2), in cases where there is no person fitting the description provided for in above or where the person provided for in above is not in a position to request the payment of

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insurance claims; or ③ The insured's spouse other than the person mentioned in ① or persons within the third

degree of consanguinity (*2) other than those mentioned in ②, in cases where there are no persons answering to those provided for in ① or ② above or where the person provided for in ① or ② above is not in a position to request the payment of insurance claims.

(4) The Company shall not pay an insurance claim requested by the insured's proxy under provision (3) above on top of a payment already made by the Company. (5) There may be cases where, depending on details of an accident, such as the amount of loss or

damage, the extent of an injury, etc., the Company asks the policyholder, the insured or the beneficiary of the claim to submit documents other than those mentioned in (2) above to the Company or any other evidence or requests them to cooperate in an investigation carried out by the Company. In such cases, they shall submit any documents or evidence requested by the Company and cooperate when necessary. (6) The Company shall pay insurance claims after the deduction of loss or damage sustained by the Company as a result of the policyholder, the insured or the beneficiary of insurance claims having violated provision (5) above for an illegitimate reason, misrepresented facts in the documents mentioned in (2), (3), (5), or forged or altered those documents or any other evidence. (*1) Regardless of the provisions of Article 1 (Definition of terms), the term shall only apply to a lawful spouse. (*2) Regarrdless of the provisions of Article 1 (Definition of terms), the term shall only apply to a lawful relative. Article 20 (Time of payment of insurance claims) (1) The Company shall pay insurance claims within 30 days of the day when a request for settlement is made, including the date of the request, after having verified the matters mentioned below: ① Matters necessary for verifying the occurrence of causes for the payment of an insurance claim, the cause of the accident, the situations caused by the accident, the occurrence or otherwise of loss or damage, or injury and facts relating to the insured; ② Matters necessary for verifying if there is reason not to privide payment of an insurance claim, the existence or otherwise of facts falling under the causes provided for as exclusions in this insurance contract; ③ Matters necessary for determining the amount of an insurance claim, the amount of loss or damage (*2) or the extent of an injury, the relationship between the accident

and loss or damage or injury, and the progress and details of treatment made; ④ Matters necessary for determining the effectiveness or otherwise of the insurance contract, the existence or otherwise of reasons specified under the provisions related

to cancellation, nullification, lapse, or revocation provided for in this insurance contract; or ⑤ In addition to ① to ④ above, matters to be verified to determine the amount of a claim payable by the Company, such as the existence or otherwise and the content of concurrent insurance contracts, the right to claim damages and other rights, to be or already acquired. (2) In cases where special inquiries or investigations mentioned below are indispensable for verifying (1) above, the Company shall pay insurance claims within the time limits (*3) specified below, including the date of procedures are formalized for requesting the payment of claims. In these

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cases the Company shall inform the insured or the beneficiary of insurance claims of matters needed to be verified and a schedule of completing such verification: ① 180 (one hundred and eighty) days to inquire the police, prosecution, fire fighting and other public organs about their results of their investigations or examinations to verify matters in ① to ④ of (1) above; ② 90 (ninety) days to inquire medical institutions, inspection institutions and other professional institutions about the results of their diagnoses, opinions, etc., to verify matters in ① to ④ of (1) mentioned above; ③ 120 (one hundred and twenty) days to inquire with medical institutions and professional institutions about their respective results of diagnoses and examinations to recognize any physical impediments and verify details and extent of physical indemnity, as part of the matters mentioned in ③ of table (1) above; ④ 60 (sixty) days to investigate and verify matters in ① to ⑤ of (1) above in disaster stricken

areas to which the Disaster Relief Law was applied; ⑤ 180 (one hundred and eighty) days to investigate matters in ① to ⑤ outside Japan

in cases where there are no alternative means to verify such matters in Japan. (3) In cases where, at the time of verifying necessary matters mentioned in (1) and (2), the policyholder, the insured or the beneficiary of insurance claims prevented or did not comply with such verification without any proper reasons to do so, the Company shall not take delays in verification due to such action into the periods mentioned in (1) or (2) above. (*1) The term shall mean the day when the insured or the beneficiary of insurance claims completed

formalities under the provisions of (2) and (3) of Article 19 (Request for insurance claims). (*2) The term includes the insured values. (*3) The term shall mean the longest period when multiple cases are involved. (*4) The term includes cases where inquiries are made in accordance with the Attorney-at-Law Law and other ordinances. (*5) The term includes cases where the cooperation required did not occur. Article 21 (Currency for payment and exchange rates) (1) The payment of insurance claims by the Company shall be made in the currency designated for payment. (*1) (2) In cases where the above payment falls under either of the two examples mentioned below, the Company shall pay insurance claims in the currency for payment (*1) at exchange rates which are used by the most influential bank in the country where such payments are made and are prevailing on the day prior to the day when the amounts of claims payable are determined. In cases, however, where the insured or the beneficiary of insurance claims states that the payment of expenses covered under the insurance contract was made at an exchange rate different from that ruling on the date prior to the day when the amount of payment was determined, the Company shall agree to use said exchange rate, on receipt of evidence proving the exchange rate: ① In the insurance policy, the currency in which the insured amount is detailed in

the endorsements attached to the insurance contract is different from the currency for payment (*1); or

② The currency in which the policyholder, the insured or the beneficiary of insurance claims is different from the currency to be paid (*1).

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(3) If the insured or the beneficiary of insurance claims is given notice to pay expenses targeted for the payment of insurance claims by the Company’s partners and said person asks the Company to pay the amount to the partners, the Company may pay insurance claims in the currency for payment (*1) at exchange rates of the date when the Company pays insurance claims to said partners. (4) Notwithstanding the provisions of (2) and (3), if there is a separate agreement between the insured or the beneficiary of insurance claims and the Company in advance, the Company may pay insurance claims in the currency for payment (*1) at the exchange rates. (*1) The term shall mean the currency of the country where the payment of claims is made. Article 22 (Statute of limitations) The right to request the payment of insurance claims shall expire by the statute of limitations, on expiry of three (3) years counting from the day after the date provided for in Article 19 (Request for payment of insurance claims). Article 23 (Change of the policyholder) (1) After the conclusion of the insurance contract, the policyholder may, subject to approval from the Company, transfer to a third party all rights and obligations under the General Conditions of Insurance and Endorsements applicable to the insurance contract. (2) In cases where a transfer is made under provision (1) above, the policyholder shall inform the Company of the details in writing and obtain its approval. (3) In cases where the policyholder passes away after the conclusion of the insurance contract, all rights and obligations under the General Conditions of Insurance and Endorsements applicable to the insurance contract shall be transferred to the heir-at-law at the time of the policyholder's death. Article 24 (Plural policyholders) (1) In cases where there are two and more policyholders under the insurance contract, the Company may choose one representative. In this case, the representative shall act as proxy for the other policyholders. (2) In cases where the representative mentioned in (1) above cannot be chosen or his/her whereabouts are unknown, any the Company actions in regards to one of the policyholders shall be regarded as applicable to the other policyholders also. (3) In cases where there are two and more policyholders, each policyholder shall be jointly liable to observe duties applicable under the General Conditions of Insurance and Endorsements attached thereto. Article 25 (Registration of contract details) (1) The Company may register the following items with the Association (*) at the time of the conclusion of the insurance contract. ① The policyholder's name, address and birthday. ② The insured's name, address, birthday and sex. ③ Name of the beneficiary of death benefits. ④ The insured amount and the insured's consent; ⑤ The period of insurance; and

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⑥ The Company's name. (2) Each insurance company may refer to the Association for details of insurance contracts registered under provision (1) above in order to look into details of other insurance contracts, etc., and make use of such details to make a determination regarding the cancellation of insurance contracts or payment of insurance claims. (3) Each insurance company shall not use information obtained under provision (2) above, for purposes other than for making a determination regarding the cancellation of insurance contracts or the payment of insurance claims. (4) The Association (*1) and each insurance company shall not disclose registered details made under provision (12) above or regarding the outcome of referrals made under provision (2) above to any parties other than the non-life insurance agents to whom the insurance company has given the authority over concluding insurance contracts with those insured who are registered under provision (1) above or public institutions from whom the insurance company has received a public request for cooperation with criminal investigations, etc. (5) The policyholder or the insured may refer to the Company or the Association (*1) for details of the registration made under provision (1) above or of the outcome of referrals made under the provision of (2) above. (*1) The term shall mean the General Insurance Association of Japan. Article 26 (Application of clauses to plural insured parties) In cases where there are more than two insured parties, the provisions of the General Conditions shall be applied to their respective parties. Article 27 (Filing of lawsuits) Lawsuits concerning this insurance contract shall be filed in Japan. Article 28 (Applicable laws) Matters not provided for in the General Conditions shall be bound by Japanese law.

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Loss of Life from Injury Endorsement

Article 1 (Definition of terms) In this Endorsement, the meaning of the following terms shall be understood in accordance with their respective definitions given below: Contest, etc. The term shall mean a contest, race, performance (*1) or test drive or operation (*2). Automobiles, etc. The term shall mean automobiles or motorized bicycles. Insured amount of loss of life from injury The term shall mean the insured amount for loss of life from injury stated in the insurance policy. Riding-purpose vehicles The term shall mean automobiles, motorboats (*3), go-carts, snow mobiles and the like. Insured event In this Endorsement, the term shall mean an accident which is the cause of an injury. (*1) Any of these terms includes practice exercises for such purposes. (*2) The term shall mean driving or vehicle operation for efficiency tests. (*3) The term includes jet-skis. Article 2 (Cases where claims are paid) (1) In cases where, in the course of overseas travel, the insured sustains an injury directly resulting in their death within one hundred and eighty (180) days including the date of the accident which caused the injury, the Company shall, under the provisions of this Endorsement and the General Conditions of Insurance (*1), pay the beneficiary of death benefits the total (*2) of the insured amount of loss of life from injury (*3) as the insurance claim for loss of life from injury. (2) In cases where there are two (2) and more heirs-at-law in the event that the insured's heir-at-law becomes the beneficiary of death benefits from injury under provision (1) or (2) of Article 13（Change of the beneficiary of death benefits), the Company shall pay the insurance claim to them in accordance with their respective legal share of an inheritance. (3) In cases where there are two (2) and more beneficiaries of death benefits under provision (9) of Article 13 (Change of the beneficiary of death benefits), the Company shall pay the insurance claim for loss of life from injury to such persons in equal proportions. (*1) The term shall mean the General Conditions of Insurance for Overseas Travel Insurance,

the same meaning applying hereinafter. (*2) The term shall mean the insured amount for loss of life from injury stated in the insurance

policy. (*3) In cases where, in the insurance contract attached with the Physical Impediment from Injury Endorsement or the Physical Impediment from Injury Endorsement (type of the

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payment classification table for insurance payment for physical impediment), the insured dies as a direct result of an accident causing said injury sustained by the insured, within one

hundred and eighty (180) days of the accident including the date of the accident, the Company shall pay the balance of the insured amount for loss of life from injury (*3) after deducting only

the insurance claim already paid when a claim was filed for a physical impediment. Article 3 (Cases where insurance claims are not paid - 1) The company shall not pay insurance claims for loss of life from injury sustained from causes falling under any the following cases: ① A willful act or gross negligence on the part of the policyholder (*1) or the insured; ② A willful act or gross negligence on the part of the beneficiary of insurance claims (*2). In cases, however, where the person is the beneficiary of a share of death benefits from injury, the Company' shall restrict its non-payment of the claim to the amount payable to said person; ③ A suicidal, criminal, or violent act on the part of the insured; ④ Accidents caused while the insured is involved in any of the following: a. The insured drives an automobile, etc., without a driving license as prescribed by law (*3); b. The insured drives an automobile, etc., under the influence of alcohol as mentioned in Article 65, Section 1 of the Road Traffic Act; or c. The insured drives an automobile, etc., while unable to control the vehicle properly due to the influence of narcotics, hemp, opium, stimulant, thinner, etc. ⑤ The insured's brain disease/illness, or mental disorder; ⑥ The insured's pregnancy, childbirth, premature delivery or miscarriage; ⑦ A surgical operation on, or any other medical treatment of, the insured. The Company shall,

however, pay insurance claims for loss of life from injury in cases where the injury caused by a surgical operation or medical treatment was the result of treatment for another injury for which the Company is bound to pay an insurance claim for loss of life from injury;

⑧ The execution of the insured; ⑨ War, military acts of foreign nations, revolutions, insurrections, civil wars, armed rebellions, and any other like events; ⑩ Accidents due to radiation, explosions, or other hazards relating to nuclear fuel materials (*4), substances contaminated (*5) by nuclear fuel materials (*4) or any accident arising from said natures; ⑪ Accidents incidental to the causes mentioned in ⑨ or ⑩ above or accidents arising from any confusion accompanying such causes; or ⑫ Nuclear radiation or nuclear contamination other than those detailed in ⑩ above. (*1) If the policyholder is a corporation, the term shall mean any of its executives, directors or organs performing its corporate duties. (*2) If the beneficiary of death benefits from an injury is a corporation, the term shall mean any of its executives, directors or organs performing its corporate duties. (*3) The term shall mean the law of the country where a vehicle is driven. (*4) The term includes used fuel. (*5) The term includes the products of nuclear fission.

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Article 4 (Cases where insurance claims are not paid - 2) The Company shall not pay insurance claims for loss of life from injuries arising from events insured during the time when the insured takes part in activities falling under any of the following cases: ① The insured takes part in a contest, etc., using a vehicle. Except, however, in cases falling

under ③ below, insurance claims for loss of life from injury shall be paid during the time the insured is engaged in a contest, etc., on roads using automobiles, etc.

② The insured takes part in activities by using a vehicle in a manner corresponding to a contest, etc., in places intended for doing a contest, etc., by using a vehicle. Except, however, in cases falling under ③ below, insurance claims for loss of life from injury shall be paid during the time the insured uses automobiles, etc., on roads by a method or in a manner corresponding to a contest, etc. ③ The insured takes part in a contest, etc., using an automobile, etc., or uses an automobile, etc., in a manner corresponding to a contest, etc., by limiting general traffic and occupying roads as permissible by law. ④ The insured takes part in any of the sports, etc. mentioned in the attached table. Article 5 (Effect of any other physical impediment or illness) (1) In cases where an injury becomes aggravated as a result of a bodily impediment or illness which existed prior to the time when an insured injury occurred, or due to an injury or illness the insured suffered independently of the insured event after the injury was caused, the Company shall pay an amount calculated as if said details were not a factor. (2) The Company shall pay insurance claims in a manner similar to (1) above in cases where an injury becomes aggravated because the insured neglected treatment without a legitimate reason or when the policyholder or beneficiary of death-by-injury benefits improperly prevented the insured from receiving. Article 6 (Refund or request of premiums - Duty of notice, etc., concerning changes of professions or duties) (1) When the insured changes professions or duties (*1), and when it is necessary to change any applicable premiums, the Company shall refund a premium or request additional premiums calculated daily pro rata for a period (*2) subsequent to the date when said change in professions or duties (*1) took place, based the a difference in applicable premiums before and after said change. (2) In cases where the policyholder fails to pay an additional premium (*3) in accordance with provision (1) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder. (3) When an additional premium is requested under provision (1) above and in cases when the Company may cancel this insurance contract in accordance with provision (2) above, the Company shall reduce the amount of an insurance claim for loss of life from injury caused after a change in profession or duties occurs, in the proportion that the applicable premium before the change bears to the applicable premium after the change. (4) In cases where the policyholder or the insured fails, willfully or by gross negligence, to give a prompt notice provided for in (1) or (2) of Article 7 (Duty of notice concerning changes of professions or duties ) of the General Conditions of Insurance and where the applicable premium after the change is higher than the applicable premium before the change, the Company shall reduce the amount of an insurance claim for loss of life from injury caused after the change in profession

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or duties occurred, in the proportion that the applicable premium before the change bears to the applicable premium after the change. (5) Provision (4) above shall not apply in cases where one (1) month has passed without any notice from the Company to the beneficiary of death benefits from injury since the Company became aware of the occurrence of a cause for reducing the amount of an insurance claim for loss of life from injury under provision (4) above or where a period of five (5) years has passed since the fact of the change in professions or duties occurred. (6) Provision (4) above shall not apply to injuries sustained independently of a change in professions or duties (*1). (7) Notwithstanding provision (4) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder in cases where a change in professions or duties (*1) has taken place to the extent that the change exceeds the scope of coverage (*4) of this insurance contract. (8) Even in cases where cancellation is made under provision (7) above after the occurrence of an insured event, the Company shall, notwithstanding the provision of Article 14 (Effect of canceling the insurance contract) of the General Conditions of Insurance, the Company shall not pay an insurance claim for loss of life from injury sustained between the occurrence of the fact of a change in professions or duties and the time of canceling the insurance contract. In this case the Company may request the return of insurance claims, if pay, for loss of life from injury. (*1) The term shall mean the fact of a change in accordance with provision (1) or (2) of the General Conditions of Insurance. (*2) The term shall mean a period after the occurrence of the fact of a change in (1) or (2) of the General Conditions of Insurance, based on information received from the policyholder or the insured. (*3) The period is limited to cases where the payment by the policyholder is not made within a reasonable period of time despite the Company's request to the policyholder for payment of an additional premium. (*4) The term shall mean the condition of insurance provided for by the Company in writing

as the scope of insurance which can be continued subject to the payment of a premium. Article 7 (The insured's request for cancellation of the insurance contract) (1) In cases where the insured is other than the policyholder and where any of the following cases becomes applicable, the insured may request the policyholder to cancel this insurance contract (*1): ① The insured did not agree to become the insured under this insurance contract (*1): ② The policyholder or the beneficiary of death benefits from injury committed an act falling under the provision of ① or ② of (1) of Article 13 (Cancellation due to material causes) of the General Conditions of Insurance; ③ The policyholder or the beneficiary of death benefits from injury falls under either of (a) to (e) of ③ of (1) of Article 13 of General Conditions; ④ The cause provided for in ④ of (1) of Article 13 of the General Conditions of Insurance took place; ⑤ Besides ② to ④ above, the policyholder or the beneficiary of death benefits from injury lost the insured's trust to the same extent as in ② to ④ and gave rise to causes which make the continuation of this insurance contract (*1) difficult; or ⑥ There arose a significant change in the situation under which this insurance

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contract was concluded, because of the termination of kinship relations between the policyholder and the insured, and other causes. (2) In cases where the policyholder is requested by the insured for the cancellation of this insurance contract for reasons mentioned in ① to ⑥ above, the policyholder shall terminate this insurance contract (*1) by sending notice to the Company. (3) In cases where there exists a cause mentioned in ① of (1) above, the insured may cancel this insurance contract (*1) by sending notice to the Company, subject to the submission of evidence such as a health insurance card in confirmation of their identity. (4) In cases where this insurance contract (*1) is cancelled in accordance with the provision of (3) above, the Company shall inform the policyholder, without delay, of the fact. (*1) The application shall be limited to parts related to the insured. Article 8 (Refund of premiums - Cancellation) (1) In cases where the Company cancels this insurance contract in accordance with the provision (2) or (3) of Article 6 (Refund or request of premiums - Duty of notice, etc., concerning changes of professions or duties), the Company shall refund a premium calculated daily pro rata for the unearned period of insurance. (2) In cases where the Company cancels this insurance contract in accordance with the provision of (2) of Article 7 (The insured's request for cancellation of the insurance contract), the Company shall refund the balance of a premium after the deduction of a premium corresponding to the earned period of insurance. (3) In cases where the insured cancels this insurance contract (*1) in accordance with the provision of (3) of Article 7, the Company shall refund a premium corresponding to the earned period of insurance. (*1) The application is limited to parts related to the insured. Article 9 (Notice of an accident) 「1」In cases where the insured sustains an injury, the policyholder, the insured or the beneficiary of death benefits from injury claims shall inform the Company of the occurrence of an insured event, as well as its situation and the extent of the injury, within thirty (30) days of the occurrence of the insured event including the date of the occurrence of the event. In this case, the policyholder, the insured or the beneficiary of death benefits from injury shall comply with the Company's request, if any, for notification or an explanation in writing or the presentation of a medical certificate or a postmortem certificate of the insured. (2) In cases where an aircraft or watercraft boarded by the insured becomes missing or is in distress, the policyholder or the beneficiary of death benefits resulting from an injury shall inform the Company, in writing, of the details of such an event within thirty (30) days including the date of its occurrence. (3) In cases where the policyholder, the insured or the beneficiary of death benefits resulting from an injury fails to comply with the provision of (1) or (2) above, without any proper reasons, or represent known facts, or misrepresents facts, the Company shall pay insurance claims for loss of life from injury after deduction of loss or damage sustained by the Company.

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Article 10 (Request for payment of insurance claims) (1）The right to request the Company for payment of insurance claims under this Endorsement shall become effective with the time of the insured's death and may be exercised forthwith. (2) Documents needed to request the payment of insurance claims under this Endorsement shall be those of the following which the Company requests: ① A seal registration certificate of the beneficiary of death benefits(*1); ② A death certificate or postmortem examination report; ③ A copy of the insured's family register; ④ A copy of the family register of the insured's heir-at-law; ⑤ An injury report on a form prescribed by the Company; ⑥ An accident certificate issued by public institutions (*3); ⑦ If a request for an insurance claim for loss of life from injury is commissioned to a third party,

a document in proof of such commission and the person's seal registration certificate; and ⑧ Documents indispensable for the Company in verifying the necessary matters provided for

in (1) of Article 20 (Time of paying the insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time of concluding the insurance contract.

(*1) The insured's legal heir shall be the beneficiary of death benefits in cases where such person is not designated. (*2) The term applies to cases where the beneficiary of death benefits is not designated. (*3) Under unavoidable circumstances, a third party's certificate shall be accepted. Article 11（Request for a medical certificate prepared by a doctor of medicine appointed by the Company) (1) In cases where notice is received under the provision in Article 9 (Notice of claims), where notice is received under the provision in Article 10 (Request for payment of insurance claims) or where a request is received under the provision in Article 19 (Request for insurance claims) of the General Conditions of Insurance, the Company may request that the policyholder, the insured or the beneficiary of death benefits from injury submit a medical certificate or postmortem statement on the insured prepared by a doctor of medicine appointed by the Company to the extent necessary for verifying the degree of the injury or paying an insurance claim for loss of life from injury. (2) Necessary expenses incurred (*1) in obtaining the medical certificate or postmortem statement (*2) shall be borne by the Company. (*1) The term shall not include the loss of income. (*2) The term shall mean to verify the fact of death from a medical viewpoint. Article 12 (Subrogation) The right of the insured's heir-at-law to damages against a third party shall not be transferred to the Company even after its payment of an insurance claim for loss of life from injury. Article 13 (Change of the beneficiary of death benefits) (1) In cases where the policyholder did not designate the beneficiary of death benefits from injury at the time of the conclusion of the insurance contract, the insured's heir-at-law shall be the

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beneficiary of death benefits from injury. (2) After the conclusion of this insurance contract, the policyholder may change the beneficiary of death benefits from injury until the time the insured passes away. (3) In cases where a change is made in the beneficiary of death benefits from injury under the provision of (2) above, the policyholder shall inform the Company of the fact. (4) When the notice under the provision of (3) above is received by the Company, it shall be understood that the change of the beneficiary of death benefits from injury has taken effect at the time when the policyholder sent such notice. In cases, however, where the Company had already paid, prior to receiving notice, death benefits from injury to the beneficiary of death benefits before the change was made, the Company shall not pay any death benefits from injury even if it is requested to pay such benefits. (5) The policyholder may change the beneficiary of death benefits from injury mentioned in (2) above by means of a legally valid will. (6) In cases where a change is made in the beneficiary of death benefits from injury, the change shall not be effective against the Company unless the policyholder's heir-at-law informs the Company of the fact after the will has taken effect. Further, in cases, however, where the Company had already paid, prior to receiving the notice, death benefits from injury to the beneficiary of death benefits before the change was made, the Company shall not pay any death benefits from injury even if it is requested to pay such benefits. (7) In cases where, under the provision of (2) and (5) above, a change is made in the appointment of the beneficiary of death benefits from injury, the change shall not take effect without the insured's approval. (8) Even in cases where, under the provisions of (2) and (5) above, the beneficiary of death benefits from injury is changed to the heir-at-law, the change shall not be effective without the insured's approval unless this insurance contract is attached with an endorsement agreeing to the payment of a certain amount of an insurance claim other than an insurance claim for loss of life from illness, in respect of an injury or illness sustained by the insured. (9) In cases where the beneficiary of death benefits from injury dies before the insured, the heir-at-law of the deceased person at the time of the person's death shall be the beneficiary of death benefits from injury. (*1) In cases where there are deceased persons among heirs-at-law, the deceased persons' heirs-at-law shall be put in place accordingly. Article 14 (Two and more beneficiaries of death benefits) (1) In cases where this insurance contract has two (2) and more beneficiaries of death benefits from injury, the Company may request the appointment of one (1) representative. In this case, such a representative shall act as an agent for the other persons. (2) In cases where a representative mentioned in (1) above is not determined or the person's whereabouts are unknown, any conduct of the Company' upon any one of the beneficiaries of death benefits from injury shall be binding upon all other persons. Article 15 (Application mutatis mutandis) The provisions of the General Conditions of Insurance and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible

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with the purposes of the said Endorsement. Attached Table Sports, etc., in provision (4) of Article 4 (Cases where insurance claims are not paid - 2). Mountain climbing (*1), luge, bobsleighing, skeleton, piloting (*2) an aircraft (*3), skydiving, flying a hang-glider, flying an ultra-light power plane (*4), flying a gyroplane and other similar dangerous sports. (*1) The term shall mean the use of tools for mountain climbing such as an ice axe, climbing irons,

climbing rope, and hammer. (*2) The term excludes cases of piloting as a profession. (*3) The term excludes gliders and airships. (*4) The term shall mean powered hang-gliders, micro-light planes, ultra-light planes, etc.,

and excludes parachute-type ultra-light powered planes (*5). (*5) The term shall mean paraplanes, etc.

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Physical Impediment from Injury Endorsement

Article 1 (Definition of terms) In this Endorsement, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Medical objective opinions The term shall mean findings of abnormal states recognized by physical examinations, neurological examinations, clinical examinations, image examinations, etc. Contests, etc. The term shall mean contests, competitions, performances (*1) or test runs (*2). Physical impediment The term shall mean a state in which positive effects from treatment cannot be expected from a medical viewpoint and the disability or loss of a body part is so severe that the residual symptoms of the body of the insured will not get better. Automobiles, etc. The term shall mean automobiles or motorized bicycles. Insured amounts for physical impediments from injury The term shall mean insured amounts for physical impediments from injury stated in the insurance policy. Riding-purpose vehicles The term shall mean automobiles, etc., motor boats (*3), go-carts, snowmobiles, and the like. Insured event The term shall mean an accident which caused an injury in this Endorsement. (*1) All of these include practices for their respective purposes. (*2) The term shall mean driving or operation of a vehicle for the purpose of efficiency tests. (*3) The term includes jet-skies. Article 2 (Cases where insurance claims are paid) (1) In cases where the insured sustains an injury during the course of travel and, as a direct result, develops a physical impediment within one hundred and eighty (180) days including the date of the occurrence of an accident which caused the injury, the Company shall pay an insurance claim for the physical impediment from injury to the insured calculated in accordance with the following formula, under the provisions of this Endorsement and the General Conditions (*1): Insured amount for physical impediment from injury x Percentage for physical impediments of each class shown in the Attached Table 1 = The amount of an insurance claim for a physical impediment from injury (2) Notwithstanding the provision or (1) above, in cases where the insured is in the state of needing treatment beyond one hundred and eighty (180) days including the date of an accident which caused the injury, the Company shall pay an insurance claim for physical impediments from injury calculated in accordance with the formula in (1) above, by ascertaining the extent of the physical impediment based on a doctor of medicine's diagnosis on the one hundred and eighty-first (181st)

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day including the date of the accident which caused the injury. (3) Even in the case where a physical impediment does not fall under those described in the Attached Table 1, if said physical impediment is considered to be equivalent to either class of physical impediments, it shall be deemed to fall under said class of physical impediments, depending on the degree. (4) If the same accident causes more than one kind of physical impediment, the Company shall pay the amount obtained by multiplying the insured amount for physical impediment from injury by the percentage described in the following table as an insurance claim for a physical impediment from injury. ① If there are two or more physical impediments that fall under either of Classes 1 to 5 in the Attached Table 1, the percentage for the class three degrees higher than the class of the most serious physical impediment shall be used. ② In the cases other than the above ①, if there are two or more physical impediments that fall under either of Classes 1 to 8 in the Attached Table 1, the percentage for the class two degrees higher than the class of the most serious physical impediment shall be used. ③ In the cases other than the above ① and ②, if there are two or more physical impediments that fall under either of Classes 1 to 13 in the Attached Table 1, the percentage for the class one degree higher than the class of the most serious physical impediment shall be used; provided, however, that if the sum of the percentages for respective physical impediments is less than the above mentioned percentage, said sum shall be used. ④ In the cases other than the above ① to ③, the percentage for the class of the most serious physical impediment shall be used. (5) If the insured who already had a physical impediment is injured and said physical impediment is aggravated, the amount calculated by multiplying the insured amount for physical impediment from injury by the following percentage shall be paid as an insurance claim for a physical impediment from injury: Percentage for the class of the aggravated physical impediment described in the Attached Table (1) － Percentage for the class of the physical impediment that already existed ＝ Percentage to be used (6) The total amount of an insurance claim payable by the Company for a physical impediment from injury in accordance with the provisions of (1) to (5) above shall be limited to the insured amount of a physical impediment from injury throughout the period of insurance. Article 3 (Cases where insurance claims are not paid- 1) (1) The Company shall not pay insurance claims for physical impediments from injury arising from any of the injuries falling under any of the following cases: ① A willful act or gross negligence on the part of the policyholder (*1) or the insured; ② A willful act or gross negligence on the part of the beneficiary of insurance claims for a physical impediment from injury; ③ A suicidal, criminal or violent act on the part of the insured; ④ Accidents caused during the time the insured is involved in any of the following cases: a. The insured drives an automobile, etc., without a driving license prescribed by law (*2); b. The insured drives an automobile, etc., under the influence of alcohol as mentioned in Article 65, Section 1 of the Road Traffic Act; or c. The insured drives an automobile, etc., in the state of being unable to control the vehicle properly under the influence of narcotics, hemp, opium, stimulant, thinner, etc. ⑤ The insured's brain disease/illness, or mental disorder; ⑥ The insured's pregnancy, childbirth, premature delivery or miscarriage; ⑦ A surgical operation on or any other medical treatment of the insured. The Company shall, however, pay insurance claims for physical impediments from injury in cases where an injury

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caused by a surgical operation or medical treatment is due to the treatment of an injury for which the Company is bound to pay an insurance claim for physical impediments from injury;

⑧ The execution of a sentence on the insured; ⑨ War, military act of foreign nations, revolution, insurrection, civil war, armed rebellion

and any other like events; ⑩ Accidents due to the radioactivity, explosiveness or other hazardous natures of nuclear fuel materials (*3), substances contaminated (*4) by nuclear fuel materials (*3), or any accident arising from such natures; ⑪ Accidents incidental to the causes mentioned in ⑨ or ⑩ above or accidents arising from the disturbance of good order accompanying such causes; or ⑫ Nuclear radiation or nuclear contamination other than those in ⑩ above. (2) The Company shall not pay insurance claims for physical impediments from injury concerning a cervical syndrome (*5), back pain or other symptoms regardless of causes for such symptoms in cases where such symptoms are without objective medical observations in support of the insured's complaint of pain. (*1) In the case the policyholder is a corporation, the term shall mean any of its executives, directors or organs to perform its corporate duties. (*2) The term shall mean the law in the country where driving occurs. (*3) The term includes used fuel. (*4) The term includes nuclear fission materials. (*5) The term shall mean what is generally known as a "whiplash syndrome". Article 4 (Cases where insurance claims are not paid - 2) The Company shall not pay insurance claims for physical impediments from injury arising from insured events during the time when the insured is engaged in activities falling under any of the following cases: ① The insured takes part in a contest, etc., by using riding-purpose vehicles. Except, however, in cases falling under ③ below, insurance claims for physical impediments from injury shall be paid during the time the insured is engaged in a contest, etc., on roads using automobiles, etc. ② The insured takes part in activities by using riding vehicles by a method or in a manner corresponding to a contest, etc., in places intended for doing a contest, etc., by using riding vehicles. Except, however, in cases falling under ③ below, insurance claims for physical impediments from injury shall be paid during the time the insured uses automobiles, etc., on roads in a method or in a manner corresponding to a contest, etc. ③ The insured takes part a contest, etc., by using an automobile, etc., or uses an automobile, etc., by a method or in a manner corresponding to a contest, etc., by limiting general traffic and occupying roads under permission by law. ④ The insured takes part in any of the sports, etc. mentioned in Attached Table 2. Article 5 (Effect of any other physical impediment or illness) (1) In cases where an injury becomes aggravated as a result of a physical impediment or illness which preexisted at the time when the insured sustained the injury or of an injury or illness which the insured suffered independently of the insured event after the injury was caused, the Company shall pay an amount calculated as if such factors did not exist. (2) The Company shall pay insurance claims in a manner similar to (1) above in cases where an injury became aggravated because the insured neglected treatment without any proper reasons or where the policyholder or the beneficiary of insurance claims for physical impediments from injury did not let the insured receive treatment without any proper reasons. Article 6 (Refund or request of premiums - Duty of notice, etc., concerning changes of professions or

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duties) (1) In cases where there is a fact of a change in professions or duties (*1) and where it is necessary to change an applicable premium, the Company shall refund a premium or request an additional premium calculated daily pro rata for a period (*2) subsequent to the date when such change in professions or duties (*1) has taken place, based on a difference of applicable premiums before and after the change. (2) In cases where the policyholder failed to pay an additional premium (*3) in accordance with the provision of (1) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder. (3) In cases where an additional premium is requested under the provision of (1) above and where the Company may cancel this insurance contract in accordance with the provision of (2) above, the Company shall reduce the amount of an insurance claim for physical impediments from injury caused after the occurrence of the fact (*1) of the change in professions or duties, in the proportion that the applicable premium before the change bears to the applicable premium after the change. (4) In cases where the policyholder or the insured failed, willfully or by gross negligence, to give a prompt notice provided for in (1) or (2) of Article 7 (Duty of notice concerning changes of professions or duties) of the General Conditions and where the applicable premium after the change is higher than the applicable premium before the change, the Company shall reduce the amount of an insurance claim for physical impediments from injury caused after the occurrence of the fact (*1) of the change in professions or duties, in the proportion that the applicable premium before the change bears to the applicable premium after the change. (5) The provision of (4) above shall not apply in cases where one (1) month has passed without any notice from the Company to the person entitled to receive an insurance claim for physical impediments from injury since the Company became aware of the occurrence of a cause for reducing the amount of an insurance claim for physical impediments from injury under the provision of (4) above or where a period of five (5) years has passed since the fact of the change in professions or duties has occurred. (6) The provision of (4) above shall not apply to injuries sustained independently of a change in professions or duties (*1). (7) Notwithstanding the provision of (4) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder in cases where a change in professions or duties (*1) has taken place to the extent that the change exceeds the scope of coverage (4) of this insurance contract. (8) Even in cases where cancellation is made under the provision of (7) above after the occurrence of an insured event, the Company shall, notwithstanding the provision of Article 14 (Effect of canceling this insurance contract) of the General Conditions, the Company shall not pay an insurance claim for physical impediments from injury between the occurrence of the fact of a change in professions or duties (*1) and the time of canceling the insurance contract. In this case the Company may request the return of insurance claims, if any, for physical impediments from injury. (*1) The term shall mean the fact of a change in accordance with the provision of (1) or (2) of Article 7 of the General Conditions. (*2) The term shall mean a period after the occurrence of the fact of a change in (1) or (2) of Article 7 of the General Conditions, based on information received from the policyholder or the insured. (*3) The period is limited to cases where the payment by the policyholder is not made within

a reasonable period of time despite the Company's request to the policyholder for payment of an additional premium.

(*4) The term shall mean the condition of insurance provided for by the Company in writing as the scope of insurance which can be continued subject to the payment of a premium.

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Article 7 (The insured's request for cancellation of the insurance contract) (1) In cases where the insured is other than the policyholder and where any of the following cases becomes applicable, the insured may request that the policyholder cancel this insurance contract (*1): ① The insured did not agree to become the insured under this insurance contract (*1); ② The policyholder or the beneficiary of insurance claims for physical impediments from injury committed an act falling under the provision of ① or ② of (1) of Article 13 (Cancellation due to material causes) of the General Conditions; ③ The policyholder falls under either of (a) to (e) of ③ of (1) of Article 13 of General Conditions; ④ The cause provided for in ④ of (1) of Article 13 of the General Conditions arose; ⑤ Besides ② and ④ above, the policyholder or the beneficiary of insurance claims for physical impediments from injury lost the insured's trust to the same extent as in ② and ④ and gave rise to causes which make the continuation of this insurance contract (*1) impossible; or ⑥ There arose a significant change in the situation under which this insurance contract (*1) was concluded, because of the termination of kinship between the policyholder and the insured, and other causes. (2) In cases where the policyholder is requested by the insured to cancel of this insurance contract mentioned in (1) for reasons mentioned in ① to ⑥ of (1) above, the policyholder shall terminate this insurance contract (*1) by sending notice to the Company. (3) In cases where there exists a cause mentioned in ① of (1) above, the insured may cancel this insurance contract (*1) by sending notice to the Company, subject to the submission of evidence such as a health insurance card in confirmation of the insured's identity. (4) In cases where this insurance contract (*1) is cancelled in accordance with the provision of (3) above, the Company shall inform the policyholder, without delay, of the fact in writing. (*1) The application shall be limited to parts related to the insured. Article 8 (Refund of premiums - Cancellation) (1) In cases where the Company cancels this insurance contract in accordance with the provision (2) or (7) of Article 6 (Refund or request of premiums - Duty of notice, etc., concerning changes of professions or duties), the Company shall refund a premium calculated daily pro rata for the unearned period of insurance. (2) In cases where the policyholder cancels this insurance contract (*1) in accordance with provision (2) of Article 7 (The insured's request for cancellation of the insurance contract), the Company shall refund the balance of a premium after deduction of a premium corresponding to the earned period of insurance. (3) In cases where the insured cancels this insurance contract (*1) in accordance with the provision of (3) of Article 7, the Company shall refund the policyholder the balance of a premium after deduction of a premium corresponding to the earned period of insurance. (*1) The application shall be limited to parts related to the insured. Article 9 (Notice of an accident) (1) In cases where the insured sustains an injury, the policyholder, the insured or the beneficiary of insurance claims for physical impediments from injury shall inform the Company of the occurrence of an insured event, as well as its situation and the extent of the injury, within thirty (30) days of the occurrence of the insured event including the date of the occurrence. In this case, the policyholder, the insured or the beneficiary of insurance claims for physical impediments from injury shall comply with the Company's request, if any, for notification or an explanation in writing or the presentation of a medical certificate or a postmortem certificate of the insured. (2) In cases where an aircraft or watercraft boarded by the insured becomes missing or

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is in distress, the policyholder or the beneficiary of insurance claims for physical impediments from injury shall inform the Company, in writing, of the details of such an event within thirty (30) days including the date of its occurrence. (3) In cases where the policyholder, the insured or the beneficiary of insurance claims for physical impediments from injury fails to comply with the provision of (1) or (2) above without legitimate reasons, represent known facts or misrepresents facts, the Company shall pay insurance claims for physical impediments from injury after deduction of loss or damage sustained by the Company. Article 10 (Request for payment of insurance claims) (1）The right to request the Company for payment of insurance claims under this Endorsement shall become effective when the insured develops a physical impediment from injury or when one hundred eighty (180) days pass counting from the time of the occurrence of an insured event, whichever is the earlier, and may be exercised forthwith. (2) Documents needed to request the payment of insurance claims under this Endorsement shall be a request for payment of claims, the insurance policy, and those of the following which the Company requests: ① The insured's registered seal; ② A doctor of medicine's certificate proving the insured's state of physical impediment; ③ An injury report on a form prescribed by the Company; ④ An accident certificate issued by public institutions (*1); ⑤ If a request for an insurance claim for a physical impediment from injury is commissioned

to a third party, a document in proof of such commission and the person's registered seal; and ⑥ Documents indispensable for the Company in verifying the necessary matters provided for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions, or other forms provided for by the Company as evidence in documents, etc.,

delivered by the Company at the time of concluding the insurance contract. (*1) Under unavoidable circumstances, a third party's certificate shall be accepted. Article 11（Request for a medical certificate prepared by a doctor of medicine appointed by the Company) (1) In cases where notice is received under the provision of Article 9 (Notice of an accident) or where a request is received under the provision of Article 10 (Request for payment of insurance claims) and Article 19 (Request for payment of insurance claims) of the General Conditions, the Company may request the policyholder, the insured or the beneficiary of insurance claims for physical impediments from injury to submit a medical certificate or postmortem statement of the insured prepared by a doctor of medicine appointed by the Company to the extent necessary for verifying the extent of an injury or paying an insurance claim for a physical impediment from injury. (2) Necessary expenses incurred (*2) in obtaining the medical certificate or postmortem statement (*1) in accordance with the provisions of (1) shall be borne by the Company. (*1) The term shall mean to verify the fact of death from a medical viewpoint. (*2) The term does not include the loss of income. Article 12 (Subrogation) The right of the insured or of the insured's heir-at-law to damages against a third party shall not be transferred to the Company even after its payment of an insurance claim for a physical impediment from injury. Article 13 (Change of the beneficiary of insurance claims) The policyholder may not designate any person other than the insured as the beneficiary of insurance claims for physical impediments from injury or change the beneficiary of insurance claims

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to anyone else. Article 14 (Application mutatis mutandis) The provisions of the General Conditions and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of the said endorsement. Attached Table 1 for Grade Table for Physical Impediment Class Physical impediments Percentage Class 1 (1) Those who are blind in both eyes. (2) Those that have lost mastication and speech functionality. (3) Those who are left with serious impairment in the functionality of their nervous system or severe psychological damage and require continuous nursing care. (4) Those who are left with serious impairment in the functionality of the thorax and abdominal organs and require continuous nursing care. (5) Those who have lost both upper limbs at a point above the elbow joint. (6) Those who have completely lost functionality of both upper limbs. (7) Those who have lost both lower limbs at a point above the knee joint. (8) Those who have completely lost functionality of both lower limbs. 100% Class 2 (1) Those who are blind in one eye and whose corrected vision has decreased to 0.02 or less in the other eye (Vision shall be measured in accordance with international visual acuity measurement standards. The same shall apply hereinafter.). (2) Those whose corrected vision in both eyes has decreased to 0.02 or less. (3) Those who are left with serious impairment in the functionality of their nervous system or severe psychological damage and require occasional nursing care. (4) Those who are left with serious impairment in functionality of the thorax and abdominal organs and require occasional nursing care. (5) Those who have lost both upper limbs at a point above the wrist joint. (6) Those who have lost both lower limbs at a point above the ankle joint. 89% Class 3 (1) Those who are blind in one eye and whose corrected vision has decreased to 0.06 or less in the other eye. (2) Those who have lost mastication or speech functionality. (3) Those who are left with seriously impaired functionality of their nervous system or severe psychological damage and will be unable to engage in labor for the rest of their lives. (4) Those who are left with seriously impaired functionality of their thorax and abdominal organs and will be unable to engage in labor for the rest of their lives. (5) Those who have lost all five fingers of both hands. (“Those who have lost fingers” means “those who have lost, for the thumb, the part more of the interphalangeal joint of the thumb, and, for the other fingers, the parts more of the proximal interphalangeal joint.” The same shall apply hereinafter.) 78% Class 4 (1) Those whose corrected vision in both eyes has decreased to 0.06 or less. (2) Those who are left with seriously impaired mastication and speech functionality. (3) Those who have completely lost hearing in both ears. (4) Those who have lost one upper limb at a point above the elbow joint. (5) Those who have lost one lower limb at a point above the knee joint.

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(6) Those who have lost the use of all five fingers of both hands. (“Those who have lost the use of their fingers” means “those who have lost half or more of the distal phalanx of their fingers” or “those who are left with serious mobility impairment to the middle phalanx joint or proximal interphalangeal joint (for the thumb, the interphalangeal joint of thumb)”. The same shall apply hereinafter.) (7) Those who have lost both feet above the Lisfranc joint. 69% Class 5 (1) Those who are blind in one eye and whose corrected vision has decreased to 0.1 or less in the other eye. (2) Those who are left with seriously impaired functionality of their nervous system or severe psychological damage and cannot engage in any labor, excluding particularly light labor. (3) Those who are left with seriously impaired functionality of their thorax and abdominal organs and will be unable to engage in any labor, excluding particularly light labor. (4) Those who have lost one upper limb at a point above the wrist joint. (5) Those who have lost one lower limb at a point above the ankle joint. (6) Those who have completely lost the use of one upper limb. (7) Those who have completely lost the use of one lower limb. (8) Those who have lost all toes of both feet (“Those who have lost their toes” means “those who have lost all five toes”. The same shall apply hereinafter.) 59% Class 6 (1) Those whose corrected vision in both eyes has decreased to 0.1 or less. (2) Those who are left with seriously impaired in mastication or speech functionality. (3) Those whose hearing in both ears has decreased to the extent that they cannot hear a loud voice unless it is spoken next to their ears. (4) Those who have completely lost hearing in one ear and whose hearing in the other ear has decreased to the extent that they cannot hear an ordinary voice at a distance of 40 cm or more with that ear. (5) Those who are left with a serious deformity or mobility impairment in the spinal column. (6) Those who have lost the use of two of the three major joints in one upper limb. (7) Those who have lost the use of two of the three major joints in one lower limb. (8) Those who have lost five digits of one hand or four digits of one hand including the thumb. 50% Class 7 (1) Those who are blind in one eye and whose corrected vision has decreased to 0.6 or less in the other eye. (2) Those whose hearing in both ears has decreased to the extent that they cannot hear an ordinary voice at a distance of 40 cm or more. (3) Those who have completely lost the hearing in one ear and whose hearing in the other ear has decreased to the extent that they cannot hear an ordinary voice at a distance of 1 m or more in that ear. (4) Those who are left with an impairment in the functionality of the nervous system or psychological damage and cannot engage in any labor, excluding light labor. (5) Those who are left with an impairment in functionality of the thorax and abdominal organs and cannot engage in any labor, excluding light labor. (6) Those who have lost the thumb and two fingers of one hand or four digits, excluding the thumb, of one hand. (7) Those who have lost the use of five digits of one hand or four digits of one hand including the thumb. (8) Those who have lost one foot above the Lisfranc joint.

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(9) Those who are left with an artificial joint in one upper limb and seriously impaired mobility. (10) Those who are left with an artificial joint in one lower limb and seriously impaired mobility. (11) Those who have lost the use of all toes of both feet. (“Those who have lost the use of their toes” means “those who have lost, for the large toe, half or more of the distal phalanx, and, for the other toes, the parts greater than the distal interphalangeal joint” or “those who are left with severe mobility impairment to the metatarsophalangeal joint or proximal interphalangeal joint (for the large toe and their toe joint)”. The same shall apply hereinafter.) (12) Those who are left with extreme deformities in their physical appearance. (13) Those who have lost both testicles. 42% Class 8 (1) Those who are blind in one eye or whose corrected vision has decreased to 0.02 or less in one eye. (2) Those who are left with impaired mobility of the spinal column. (3) Those who have lost the thumb and one finger of one hand, or three digits, excluding the thumb, of one hand. (4) Those who have lost the use of the thumb and two fingers of one hand, or four digits, excluding the thumb, of one hand. (5) Those who have had one lower limb shortened by 5 cm or more. (6) Those who have lost the use of one of the three major joints in one upper limb. (7) Those who have lost the use of one of the three major joints in one lower limb. (8) Those who are left with an artificial joint in one upper limb. (9) Those who are left with an artificial joint in one lower limb. (10) Those who have lost all toes of one foot. 34% Class 9 (1) Those whose corrected vision in both eyes has decreased to 0.6 or less. (2) Those whose corrected vision in one eye has decreased to 0.06 or less. (3) Those who are left with hemianopsia, contraction of the field of vision or distortion of the field of vision in both eyes. (4) Those who are left with serious damage to both eyelids. (5) Those who have lost their noses and are left with serious impairment in their nasal functionality. (6) Those who are left with impaired mastication and speech functionality. (7) Those whose hearing in both ears has decreased to the extent that they cannot hear an ordinary voice at a distance of 1 m or more. (8) Those whose hearing in one ear has decreased to the extent that they cannot hear a loud voice with that ear unless it is spoken next to that ear and whose hearing in the other ear has decreased to the extent that they have difficulty in hearing an ordinary voice spoken at a distance of 1 m or more with that ear. (9) Those who have completely lost hearing in one ear. (10) Those who are left with impaired functionality of the nervous system or psychological damage and for whom the labor in which they can engage is limited to a considerable extent. (11) Those who are left with impaired functionality of the thorax and abdominal organs and for whom the labor in which they can engage is limited to a considerable extent. (12) Those who have lost the thumb of one hand, or two digits, excluding the thumb, of one hand. (13) Those who have lost the use of two digits of one hand including the thumb, or three digits, excluding the thumbs, of one hand. (14) Those who have lost two toes or more of one foot including the large toe. (15) Those who have lost the use of all toes of one foot. (16) Those who are left with considerable deformities in their physical appearance. (17) Those who are left with serious damage to the genitals. 26% Class 10

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(1) Those whose corrected vision in one eye has decreased to 0.1 or less. (2) Those who are left with diplopia in their frontal vision. (3) Those who are left with impaired mastication or speech functionality. (4) Those who have fourteen teeth or more with added dental prostheses. (5) Those whose hearing in both ears has decreased to the extent that they have difficulty in hearing an ordinary voice at a distance of 1 m or more. (6) Those whose hearing in one ear has decreased to the extent that they cannot hear a loud voice with that ear unless it is spoken next to that ear. (7) Those who have lost the use of the thumb of one hand, or two digits, excluding the thumb, of one hand. (8) Those who have had one lower limb shortened by 3 cm or more. (9) Those who have lost the use of the large toe, or the other four toes of one foot. (10) Those who are left with seriously impaired functionality of one of the three major joints of one upper limb. (11) Those who are left with seriously impaired functionality of one of the three major joints of one lower limb. 20% Class 11 (1) Those who are left with seriously impaired adaptation functionality or mobility in both eyes. (2) Those who are left with seriously impaired mobility in both eyelids. (3) Those who are left with serious damage to one eyelid. (4) Those who have ten teeth or more with added dental prostheses. (5) Those whose hearing in both ears has decreased to the extent that they cannot hear a low voice at a distance of 1m or more. (6) Those whose hearing in one ear has decreased to the extent that they cannot hear an ordinary voice at a distance of 40 cm or more with that ear. (7) Those who are left with a deformed spinal column. (8) Those who have lost the index, third or fourth finger of one hand. (9) Those who have lost the use of two toes or more of one foot including the large toe. (10) Those who are left with impaired functionality of the thorax and abdominal organs and for whom ability to perform labor is limited to a considerable extent. 15% Class 12 (1) Those who are left with seriously impaired adaptation functionality or mobility of one eye. (2) Those who are left with seriously impaired of the mobility of one eyelid. (3) Those who have seven teeth or more with added dental prostheses. (4) Those who have lost the major part of the auricle of one ear. (5) Those who are left a seriously deformed collarbone, the breastbone, the ribs, the shoulder blade or the pelvis. (6) Those who are left with impaired functionality of one of the three major joints of one upper limb. (7) Those who are left with impaired functionality of one of the three major joints of one lower limb. (8) Those who are left with a deformity in their long bones. (9) Those who have lost the little finger of one hand. (10) Those who have lost the use of the index, third or fourth finger of one hand. (11) Those who have lost the second toe of one foot, those who have lost two toes including the second toe or those who have lost the three toes other than the large and second toes. (12) Those who have lost the use of the large toe or the other four toes of one foot. (13) Those who are left with obstinately localized neurological symptoms. (14) Those who are left with deformities in their physical appearance. 10% Class 13 (1) Those whose corrected vision in one eye has decreased to 0.6 or less.

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(2) Those who are left with hemianopsia, contraction of the field of vision or distortion of the field of vision in one eye. (3) Those who are left with diplopia in their vision other than frontal vision. (4) Those who are left with damage to parts of both eyelids or permanent loss of the eyelashes of both right and left eyes. (5) Those who have five teeth or more with added dental prostheses. (6) Those who are left with impaired functionality of the thorax and abdominal organs. (7) Those who have lost the use of the little finger of one hand. (8) Those who have lost a part of the bones of the thumb of one hand. (9) Those who have had one lower limb shortened by 1 cm or more. (10) Those who have lost one or two toes of one foot other than the large and second toes. (11) Those who have lost the use of the second toe of one foot, those who have lost the use of two toes including the second toe or those who have lost the use of the three toes other than the large and second toes. 7% Class 14 (1) Those who are left with damage to a part of one eyelid or permanent loss of the eyelashes of one eyelid. (2) Those who have three teeth or more with added dental prostheses. (3) Those whose hearing in one ear has decreased to the extent that they cannot hear a low voice at a distance of 1 m or more with that ear. (4) Those who are left with deformed scars of the size of one's palm on the exposed side of the upper limbs. (5) Those who are left with deformed scars of the size of one's palm on the exposed side of the lower limbs. (6) Those who have lost part of the bones of the digits, excluding the thumb, of one hand. (7) Those who have become unable to extend and contract distal interphalangeal joints of any digit, excluding the thumb, of one hand. (8) Those who have lost the use of one or two toes of one foot other than the large and second toes. (9) Those who are left with localized neurological symptoms. 4% Note 1 The term “above” in the regulations concerning impediments of upper limb, lower limb, digits (fingers) and toes means the parts that are closer to the heart from the joint. Note 2 Illustration of joints, etc. Attached Table 2 Sports, etc., in provision (4) Article 4 (Cases where insurance claims are not paid - 2).

3 major upper limb

joints

3 major lower

limb joints

Shoulder joint

Breastbone

Spinal column

Elbow joint

Wrist joint

Hip joint

Knee joint

Ankle joint

Pelvic bone

Long bone

Collarbone

Shoulder

Rib

Metacarpophalangeal joint

Hand Index

Distal phalange Thumb

Distal phalange

Interphalangeal

Second

Large toe Foot

Distal phalange Interphalangeal joint

Lisfranc joint

Third finger Fourth finger

Metacarpophalangeal joint

Little finger Distal interphalangeal joint Proximal interphalangeal joint

Third toe

Distal interphalangeal joint

Proximal interphalangeal joint Metatarsophalangeal joint

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Mountain climbing (*1), luging, bobsleighing, skeleton, piloting (*2) an aircraft (*3), skydiving, flying a hang-glider, flying an ultra-light powered plane, flying a gyroplane and other similar dangerous sports. (*1) The term shall mean the use of tools for mountain climbing such as an ice axe, climbing irons,

climbing rope, and hammer. (*2) The term excludes gliders and airships. (*3) The term excludes cases of piloting as a profession. (*4) The term shall mean powered hang-gliders, micro-light planes, ultra-light planes, etc. and excludes parachute-type ultra-light powered planes (*5). (*5) The term shall mean paraplanes, etc.

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Loss of Life from Illness Endorsement

Article 1 (Definition of terms) In this Endorsement, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Period of liability The term shall mean the period of insurance, as well as of time during the course of travel. Insured event In this Endorsement, the term shall mean the insured's loss of life from illness. Article 2 (Cases where insurance claims are paid) (1) In cases where the insured dies as a result of an illness falling under any of the following cases, the Company shall, in accordance with the provisions of this Endorsement and the General Conditions of Insurance (*1), pay the total of the insured amount for loss of life from illness stated in the insurance policy to the beneficiary of death benefits from illness ① The insured dies during the period of liability. ② The insured dies within thirty (30) days including the date of the termination of the period of

liability as a direct result of any of the following illnesses, on the condition, however, that the insured starts receiving treatment by a doctor of medicine within seventy-two (72) hours of the termination of the period of liability and continues receiving such treatment thereafter:

a. An illness which manifested itself during the period of liability; or b. An illness which manifested itself within seventy-two (72) hours of the termination

of the period of liability, on condition, however, that such illness manifested itself during the period of liability.

③ The insured dies as a direct result of having contracted any of the following infectious diseases (*2) mentioned in Article 6 (Definitions) of the Act on the Prevention of Infectious Diseases and Medical Care for Patients with Infectious Diseases (Act No.114 of October 2, 1998) (*2) or a novel coronavirus infection as stipulated in clause 7, item 3 of the same Article (only a coronavirus whose pathogen is betacoronavirus genus and limited to that newly reported by the People’s Republic of China to the World Health Organisation in January 2020 of its ability to transmit to humans) (*2) during the period of liability, within thirty (30) days including the date of the termination of the period of liability. a. Class I infectious diseases b. Class II infectious diseases c. Class III infectious diseases d. Class IV infectious diseases e. Designated infectious diseases (*3)

(2) In cases where there are two (2) and more heirs-at-law in the event that the insured's person-at-heir becomes the beneficiary of death benefits under the provision of (1) or (2) of Article 12 (Change of the beneficiary of death benefits), the Company shall pay an insurance claim to them in accordance with their respective legal portions of an inheritance. (3) In cases where there are two (2) more beneficiaries of death benefits from illness under the provision of (9) of Article 12 (Change of the beneficiary of death benefits), the Company shall pay an insurance claim for loss of life from illness to such persons in equal proportions.

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(4) The time of occurrence of the cause of an illness, time of its manifestation, recognition of the manifestation, time of commencing treatment, etc., shall depend on a diagnosis by a doctor of medicine. (5) Notwithstanding the provision of (1) above, the Company shall not pay insurance claims for loss of life from illness arising from any of the following causes: ① An illness due to an injury sustained by the insured; ② An illness arising from the insured's pregnancy, childbirth, premature delivery, or miscarriage; or ③ Dental treatment. (*1) The term means the General Conditions of Insurance for Overseas Travel Insurance,

the same meaning applying hereinafter. (*2) The term means an infectious disease specified when the insured dies. (*3) Only when provisions similar to those applicable to Class 1 infectious diseases, Class 2 infectious diseases, or

Class 3 infectious diseases based on the provisions of Article 7, clause 1 of the Act on Prevention of Infectious Diseases and Medical Care for Patients with Infectious Diseases are stipulated by Cabinet Order (with changes made as necessary).

Article 3 (Cases where insurance claims are not paid - 1) (1) The Company shall not pay insurance claims for loss of life from illness arising from

causes falling under any of the following cases: ① A willful act or gross negligence on the part of the policyholder (*1) or the insured; ② A willful act or gross negligence on the part of the beneficiary of insurance claims for loss of life from illness (*2). In cases, however, where the person is the beneficiary of a part of death benefits from illness, the Company shall restrict its non-payment of the claim to the amount payable to such person; ③ A suicidal, criminal or violent act on the part of the insured; ④ The execution of a sentence on the insured; ⑤ War, military act of foreign nations, revolution, insurrection, civil war, armed rebellion and any other like events; ⑥ Accidents due to the radioactivity, explosiveness or other hazardous nature of nuclear fuel materials (*3), substances contaminated (*4) by nuclear fuel materials (*3), or any accident arising from such natures; ⑦ Accidents incidental to the causes mentioned in ⑤ or ⑥ above or accidents arising from the disturbance of good order accompanying such causes; or ⑧ Nuclear radiation or nuclear contamination other than those in ⑥ above; (*1) In the case the policyholder is a corporation, the term shall mean any of its executives,

directors or organs performing its corporate duties. (*2) In the case the beneficiary of death benefits from illness is a corporation, the term shall mean any of its executives, directors or organs performing its corporate duties. (*3) The term includes used fuel. (*4) The term includes nuclear fission materials. Article 4 (Cases where insurance claims are not paid - 2)

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The Company shall not pay insurance claims for loss of life from altitude sickness caused during the time when the insured takes part in mountain climbing (*1). (*1) The term shall mean the use of tools for mountain climbing such as an ice axe, climbing irons, climbing rope, and hammer. Article 5 (Effect of any other physical impediment or illness) (1) In cases where an illness becomes aggravated as a result of a physical impediment not covered for payment of death benefits from illness and comes under any of the cases in (1) of Article 2 (Cases where insurance claims are paid), the Company shall pay an amount calculated as if said factor did not exist. (2) The Company shall pay insurance claims in a manner similar to (1) above in cases where an injury became aggravated because the insured neglected treatment without any proper reason or where the policyholder or the beneficiary of death benefits from illness did not let the insured receive treatment without any proper reasons. Article 6 (The insured's request for cancellation of the insurance contract) (1) In cases where the insured is a party other than the policyholder and where any of the following cases becomes applicable, the insured may request the policyholder to cancel this insurance contract (*1): ① The insured did not agree to become the insured under this insurance contract (*1): ② The policyholder or the beneficiary of death benefits from illness committed an act falling under the provision of ① or ② of (1) of Article 13 (Cancellation due to material causes) of the General Conditions of Insurance; ③ The policyholder or the beneficiary of death benefits from illness falls under either (a) to (e) of ③ of (1) of Article 13 of the General Conditions; ④ The cause provided for in ④ of (1) of Article 13 of the General Conditions of Insurance took place; ⑤ Besides ② to ④ above, the policyholder or the beneficiary of death benefits from illness lost the insured's trust in them to the same extent as in ② to ④ and gave rise to causes which make the continuation of this insurance contract (*1) difficult; or ⑥ There arose a significant change in the situation under which this insurance contract was concluded, because of the termination of the kinship relations between the policyholder and the insured, and other causes. (2) In cases where the policyholder is requested by the insured for cancellation of this insurance contract for reasons mentioned in ① to ⑥ above, the policyholder shall terminate this insurance contract (*1) by sending notice to the Company. (3) In cases where there exists the cause mentioned in ① of (1) above, the insured may cancel this insurance contract (*1) by sending notice to the Company, subject to the submission of evidence such as a health insurance card in confirmation of the insured's identity. (4) In cases where this insurance contract (*1) is cancelled in accordance with the provision of (3) above, the Company shall inform the policyholder, without delay, of the fact. (*1) The application shall be limited to parts related to the insured.

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Article 7 (Refund of premiums - Cancellation) (1) In cases where the Company cancels this insurance contract in accordance with the provision (2) of Article 6 (The insured's request for cancellation of the insurance contract), the Company shall refund the balance of a premium after deducting a premium calculated daily pro rata for the earned period of insurance. (2) In cases where this insurance contract (*1) is cancelled in accordance with the provision of (3) of Article 6, the Company shall refund the balance of a premium calculated daily pro rata for the earned period of insurance. (*1) The application shall be limited to parts related to the insured. Article 8 (Notice of an accident) (1) In cases where the insured dies from an illness, the policyholder, the insured or the beneficiary of death benefits from illness shall inform the Company of details concerning its manifestation and progress, within thirty (30) days including the date of death from the illness. In this case, the policyholder, the insured or the beneficiary of death benefits from illness shall comply with the Company's request, if any, for notification or an explanation in writing or the presentation of a medical certificate or a postmortem certificate of the insured. (2) In cases where the policyholder, the insured or the beneficiary of death benefits from illness fails to comply with the provision of (1) or (2) above without any proper reasons or represent known facts, or misrepresents facts, the Company shall pay insurance claims for loss of life from illness after the deduction of any loss or damage sustained by the Company. Article 9 (Request for payment of insurance claims) (1）The right to request the Company for payment of insurance claims under this Endorsement shall become effective with the insured's death, and may be exercised forthwith. (2) Documents needed to request the payment of insurance claims under this Endorsement shall be a request for the payment of claims, the insurance policy and those of the following which the Company requests: ① The beneficiary of insurance claims' registered seal.(*1); ② A death or postmortem certificate; ③ The insured's family register ; ④ The heir-at-law's family register (*2); ⑤ In the case of falling under ② of (1) of Article 2 (Cases where insurance claims are paid),

a doctor of medicine's certificate proving that the illness started to manifest itself within the period of liability or seventy-two (72) hours from the termination of the period of liability and that the doctor of medicine's treatment started within seventy-two (72) hours of the termination of the period of liability and was continued thereafter, as well as the medicine of doctor's statement proving the time of manifestation of the cause of the illness.

⑥ A doctor of medicine's certificate proving that the infectious disease, being the cause of the insured's death, was contracted within the period of liability. ⑦ If a request for an insurance claim for loss of life from illness is commissioned to a third party,

a document in proof of such commission and the person's seal registration certificate; and ⑧ Documents indispensable for the Company in verifying the necessary matters provided

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for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time of concluding the insurance contract.

(*1) The insured's heir-at-law shall be the beneficiary of death benefits from illness in cases where such person is not designated. (*2) The term refers to cases where the beneficiary of death benefits from illness was not designated. Article 10（Request for a medical certificate prepared by a doctor of medicine appointed by the Company) (1) In cases where notice is received under the provision of Article 8 (Notice of an accident) or where a request is received under the provision of Article 19 (Request for insurance claims) of the General Conditions of Insurance, the Company may request the policyholder, the insured or the beneficiary of death benefits from illness to submit a medical certificate or postmortem statement of the insured prepared by a doctor of medicine appointed by the Company to the extent necessary for payment of death benefits from illness. (2) Necessary expenses incurred (*1) in obtaining the medical certificate or postmortem statement (*2) shall be borne by the Company. (*1) The term shall not include the loss of income. (*2) The term shall mean to verify the fact of death from medical viewpoints. Article 11 (Subrogation) The right of the insured's heir-at-law to damages against a third party shall not be transferred to the Company even after its payment of death benefits from illness. Article 12 (Change of the beneficiary of death benefits) (1) In cases where the policyholder did not designate the beneficiary of death benefits from illness at the time of concluding the insurance contract, the insured's heir-at-law shall be the beneficiary of death benefits from illness. (2) After the conclusion of the insurance contract, the policyholder may change the beneficiary of death benefits from illness until the time the insured passes away. (3) In cases where a change is made of the beneficiary of death benefits from illness under the provision of (2) above, the policyholder shall inform the Company of the fact. (4) When the notice under the provision of (3) above is received by the Company, it shall be understood that the change of the beneficiary of death benefits has taken effect at the time when the policyholder sent such notice. In cases, however, where the Company had already paid, prior to receiving the notice, death benefits from illness to the beneficiary of death benefits before the change was made, the Company shall not pay any death benefits from illness even if it is requested to pay such benefits. (5) The policyholder may change the beneficiary of insurance claims for loss of life by means of a legally valid will. (6) In cases where a change is made of the beneficiary of death benefits, the change shall not be

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effective against the Company unless the policyholder's heir-at-law informs the Company of the fact after the will has taken effect. Further, in cases, however, where the Company had already paid, prior to receiving the notice, death benefits from illness to the beneficiary of death benefits before the change was made, the Company shall not pay any death benefits from illness even if it is requested to pay such benefits. (7) In cases where, under the provision of (2) and (5) above, a change is made in the appointment of the beneficiary of death benefits, the change shall not be effective without the insured's agreement. (8) Even in cases where, under the provisions of (2) and (5) above, the beneficiary of death benefits is changed to the insured's heir-at-law, the change shall not be effective without the insured's agreement unless this insurance contract is attached with an endorsement agreeing to the payment of a certain amount of an insurance claim other than an insurance claim for loss of life from injury, in respect of an injury or illness sustained by the insured. (9) In cases where the beneficiary of death benefits dies before the insured, the heir-at-law of the deceased person at the time of the person's death shall be the beneficiary of death benefits. (*1) In cases where there are deceased persons among heirs-at-law, the deceased persons' heirs-at-law shall be put in place accordingly. Article 13 (Two and more beneficiaries of death benefits) (1) In cases where this insurance contract has two (2) and more beneficiaries of death benefits, the Company may request the appointment of one (1) representative. In this case, such a representative shall act as an agent for the other persons. (2) In cases where a representative mentioned in (1) above is not determined or the person's whereabouts are unknown, any conduct of the Company upon any one of the beneficiaries of death benefits shall be binding upon all other persons. Article 14 (Application mutatis mutandis) The provisions of the General Conditions of Insurance and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of the said Endorsement.

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Medical Expenses for Injury Endorsement

Article 1 (Definition of terms) In this Endorsement, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Medical objective opinions The term shall mean findings of abnormal states recognized by physical examinations, neurological examinations, clinical examinations, image examinations, etc. Contests, etc. The term shall mean contests, competitions, performances (*1) or test runs (*2). Automobiles, etc. The term shall mean automobiles or motorized bicycles. Amount of payment of liability The term shall mean an amount of payment calculated as if there did not exist any other insurance contracts, etc. (*3) Insured amount of medical expenses for injury The term shall mean the insured amount of medical expenses for injury stated in the insurance policy. Riding-purpose vehicles The term shall mean automobiles, etc., motor boats (*3), go carts, and the like. Insured event In this Endorsement the term shall mean an accident which was the cause of an injury. (*1) The term shall mean practice for said events. (*2) The term shall mean driving or operation for the purpose of efficiency tests. (*3) The term shall mean concurrent insurance contracts or mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1) of Article 2 (Cases where insurance claims are paid) (*4) The term includes jet-skies. Article 2 (Cases where insurance claims are paid) (1) In cases where, in the course of travel, the insured sustains an injury and, as a direct result, finds it necessary to receive treatment (*1), the Company shall, in accordance with the provisions of this Endorsement and the General Conditions of Insurance (*2), pay the amounts mentioned in ① to ③ below as insurance claims for medical expenses for injury. It shall be understood, however, that such amounts are those which the Company considers reasonable in the light of principles usually accepted in society and which the Company would generally bear in other accidents similar to the insured event, with the exception, however, of expenses which would not have been incurred

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had this Insurance agreement not been effected. Also, such expenses are limited to those incurred within one hundred and eighty (180) days including the date of the occurrence of the accident which is the cause of the injury. ① Expenses actually incurred by the insured for treatment, among those mentioned below: a. Charges for a doctor of medicine's consultation, treatment and operation; b. Charges for medicine, medical supplies and use of medical appliances under instructions

from a doctor of medicine; c. Repair costs of artificial arms and legs; d. Charges for X-rays, laboratory tests and use of an operation room; e. Professional nurse charges (*3), excluding money for gratitude; f. Hospital charges when admitted in a hospital or clinic; g. Room charges at lodging facilities in cases where, despite the insured's need for treatment

in a hospital or clinic, the insured is obliged to receive (*4) treatment (*1) in a room of lodging facilities under unavoidable circumstances that there are no hospitals or clinics nearby, or that there are no vacancies in beds at hospitals or clinics;

h. Room charges at lodging facilities in cases where the insured receives treatment, or takes a rest in a room of lodging facilities under the instructions of a doctor, although there is no need for the insured to get hospitalized. In this case, however, any amount which has been refunded to the insured, or which the insured intended to bear shall be deducted from these expenses; i. Emergency-purpose expenses for transporting the insured to a hospital or clinic.

Charges for chartering non-regular flight (including transport by a charter flight) shall be included in the scope of covered expenses only at a time only when a doctor of medicine acknowledges that transport by a regular flight is impossible for purposes of treatment;

j. Transportation expenses for the insured to get hospitalized, or go to hospital as an outpatient. k. Transportation expenses (*5) for moving the insured to another hospital, or clinic because of the unavailability of medical specialists, or difficulty in receiving appropriate

treatment at the hospital or clinic where the insured receives inpatient, or outpatient care. In cases, however, where the insured is transported to a hospital or clinic in Japan (*6),

the Company shall deduct the amount of a fare for return to Japan reimbursed to the insured, or the amount of a fare for return to Japan due to be borne by the insured, from the payment of expenses;

l. Expenses for employing an interpreter necessary for receiving treatment; and m. Charges for a medical certificate by a doctor of medicine needed to claim payment

of insurance claims for medical expenses for injury. ② Expenses actually incurred by the insured as a result of hospitalization, part of those mentioned below, subject to the limit of Yen 200,000 per injury.: a. Communication expenses such as international telephone calls; or b. Expenses for purchasing personal effects (*7) necessary for hospitalization. ③ Expenses actually incurred by the insured for treatment received and, as a result, having left the scheduled course of travel, part of any of the following expenses; provided, however, that any amount which has been reimbursed to the insured, or which is due to be borne by the insured shall be deducted from these expenses: a. Transportation and accommodation expenses incurred by the insured while returning to the scheduled course of travel; or

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b. Transportation and accommodation expenses incurred by the insured in returning home directly (*8). (2) The payment of insurance claims for medical expenses for injury shall be limited to the insured amount of medical expenses for injury. (3) In cases where there are other insurance contracts, etc., and where the total payment of liability exceeds the amount mentioned in (1) above, the Company shall pay the following amounts as insurance claims for medical expenses for injury: ① Cases where insurance claims or mutual aid money have not been paid under other insurance contracts, etc.(*9) : The amount of liability in this insurance contract. ② Cases where insurance claims or mutual aid money has been paid under other insurance contracts, etc. (*9): The balance of the amount of expenses in (1) above minus the total sum of insurance claims or mutual aid money paid under other insurance contracts, etc. (*9); up to the amount of liability under this insurance contract. (4) Notwithstanding the provision of (1) above, the Company shall pay insurance claims for injury calculated in accordance with the provisions of (1) to (3) to organizations associated with the Company in cases where the insured receives a request, from such organizations, to pay the expenses mentioned in ① or ③ of (1) above to the Company and demands the Company to pay those expenses to those such organizations, on the understanding that the insured has incurred such expenses. (5) Notwithstanding the provision of (1) above, the Company shall not pay insurance claims for medical expenses for injury incurred by the insured for the medical treatment by sustaining an injury and, as a direct result, finding it necessary to receive treatment by chiropractic, acupuncture or moxa cautery practitioners (*12) outside Japan. (*1) The term includes the repair of artificial arms and legs. (*2) The term shall mean the General Conditions of Insurance for Overseas Travel Insurance,

with the same meaning applying hereinafter. (*3) The term includes professional nurses whose care is considered necessary by a doctor

of medicine at the time of receiving treatment outside Japan. (*4) The term included cases resting at lodging facilities under instructions from a doctor of medicine. (*5) Expenses for an accompanying doctor of medicine or a professional nurse are included

when considered necessary for treatment. Charges for chartering a non-regular flight including transport by a charter plane shall be included in the scope of expenses only when the doctor acknowledges that transport by a regular flight is difficult for purposes of treatment.

(*6) The term shall mean the domicile of the insured in cases where the person lives outside Japan. (*7) The amount shall be limited to Yen 50,000. (*8) The term include transportation and lodging expenses for the insured, who lives outside Japan, to return directly to the country to which the person's domicile belongs. (*9) The term shall mean concurrent other insurance and mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1). (*10) The term shall mean persons having qualifications required by law or permits to

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provide treatment by law at a place where treatment was considered necessary. Article 3 (Cases where insurance claims are not paid - 1) (1) The company shall not pay insurance claims for medical expenses for injury sustained from falling under any of the following causes: ① A willful act or gross negligence on the part of the policyholder (*1) or the insured; ② A willful act or gross negligence on the part of the beneficiary of insurance claims for medical expenses for injury; ③ A suicidal, criminal or violent act on the part of the insured; ④ Accidents caused while the insured is involved in any of the following cases: a. The insured drives an automobile, etc., without a driving license prescribed by law (*2); b. The insured drives an automobile, etc., under the influence of alcohol as mentioned in Article 65, Section 1 of the Road Traffic Act; or c. The insured drives an automobile, etc., in the state of being unable to control the vehicle

properly under the influence of narcotics, hemp, opium, stimulant, thinner, etc. ⑤ The insured's brain disease/illness, or mental disorder ⑥ The insured's pregnancy, childbirth, premature delivery, or miscarriage; ⑦ A surgical operation on or any other medical treatment of the insured. The Company shall, however, pay insurance claims for medical expenses for injury in cases

where an injury caused by a surgical operation or medical treatment is due to the treatment of an injury for which the Company is bound to pay an insurance claim for medical expenses for injury.

⑧ The execution of a sentence on the insured; ⑨ War, military acts by foreign nations, revolutions, insurrections, civil wars, armed rebellions

and any other like events; ⑩ Accidents due to the radioactivity, explosiveness or other hazardous natures of nuclear fuel materials (*3), substances contaminated (*4) by nuclear fuel materials (*3) , or any accident arising from such natures; ⑪ Accidents incidental to the causes mentioned in ⑨, or ⑩ above or accidents arising from the disturbance of good order accompanying such causes; or ⑫ Nuclear radiation or nuclear contamination other than those in ⑩ above; (2) The Company shall not pay an insurance claim for medical expenses for injury concerning a cervical syndrome (*5), back pain or other symptoms regardless of causes for such symptoms in cases where such symptoms are without objective medical observations in support of the insured's complaint of pain. (*1) In the case of the policyholder being a corporation, the term shall mean any of its executives, directors or organs to perform its corporate duties. (*2) The term shall mean the law in the country where driving occurs. (*3) The term includes used fuel. (*4) The term includes nuclear fission products. (*5) The term shall mean what is generally known as a "whiplash syndrome" . Article 4 (Cases where insurance claims are not paid - 2) The Company shall not pay insurance claims for medical expenses for injury arising from insured

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events during the time when the insured takes part in activities falling under any of the following cases, unless the policyholder has paid premiums corresponding to such activities in advance: ① The insured takes part in a contest, etc., by using riding-purpose tools. Except, however,

in cases falling under ③ below, insurance claims for medical expenses from injury shall be paid during the time the insured is engaged in a contest, etc., on roads using automobiles, etc.

② The insured takes part in activities by using riding tools by a method or in a manner corresponding to a contest, etc., in places intended for doing a contest, etc., by using riding-purpose tools. Except, however, in cases falling under ③ below, insurance claims for medical expenses from injury shall be paid during the time the insured uses automobiles, etc., on roads by a method or in a manner corresponding to a contest, etc.

③ The insured takes part in a contest, etc., by using an automobile, etc., or uses an automobile, etc., by a method or in a manner corresponding to a contest, etc., by limiting general traffic and occupying roads in a legally permissible manner.

④ The insured takes part in any of the sports, etc. mentioned in the attached table. Article 5 (Effect of any other physical impediment or illness) (1) In cases where an injury becomes aggravated as a result of a bodily impediment or illness which preexisted at the time when the insured sustained the injury or of an injury, or illness which the insured suffered independently of the insured event after the injury was caused, the Company shall pay an amount calculated as if such factors did not exist. (2) The Company shall pay insurance claims in a manner similar to (1) above in cases where an injury becomes aggravated because the insured neglected treatment without proper reason or where the policyholder or the beneficiary of insurance claims for loss of life from injury did not let the insured receive treatment without proper reason. Article 6 (Refund or request of premiums - Duty of notice, etc., concerning changes of professions or duties) (1) In cases where there is a change in profession or duties (*1), and where it is necessary to change an applicable premium, the Company shall refund a premium, or request an additional premium calculated daily pro rata for a period (*2) subsequent to the date when such change in profession or duties (*1) has taken place, based on the difference of applicable premiums before and after the change. (2) In cases where the policyholder fails to pay an additional premium (*3) in accordance with the provision of (1) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder. (3) In cases where an additional premium is requested under the provision of (1) above and where the Company may cancel this insurance contract in accordance with the provision of (2) above, the Company shall reduce the insured amount of medical expenses for injury caused after the occurrence of the fact (*1) of the change in professions or duties, in proportion to the applicable premium before the change bears to the applicable premium after the change. (4) In cases where the policyholder or the insured fails, willfully or by gross negligence, to give prompt notice provided for in (1) or (2) of Article 7 (Duty of notice concerning changes of professions or duties ) of the General Conditions of Insurance and where the applicable premium after the change is higher than the applicable premium before the change, the Company shall reduce the amount of an insurance claim for medical expenses for injury caused after the occurrence (*1)

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of the change in profession or duties, in proportion to the applicable premium before the change bears to the applicable premium after the change. (5) Provision (4) above shall not apply in cases where one (1) month has passed without any notice from the Company to the insured or the beneficiary of insurance claims for medical expenses for injury since the Company became aware of the occurrence of a cause for reducing the insured amount of medical expenses for injury under the provision of (4) above or where a period of five (5) years has passed since the fact of the change in professions or duties has occurred. (6) Provision (4) above shall not apply to injuries sustained independently of a change in profession or duties (*1). (7) Notwithstanding provision (4) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder in cases where a change in profession or duties (*1) has taken place to the extent that the change exceeds the scope of coverage (4) of this insurance contract. (8) Even in cases where cancellations are made under the provision of (7) above after the occurrence of an insured event, the Company shall, notwithstanding the provision of Article 4 (Effect of canceling the insurance contract) of the General Conditions of Insurance, not pay an insurance claim for medical expenses for injury incurred between the occurrence of the fact of a change in profession or duties and the time of canceling the insurance contract. In this case, the Company may request the return of insurance claims, if any, for medical expenses for injury. (*1) The term shall mean a change in accordance with the provision of (1) or (2) of the General Conditions of Insurance. (*2) The term shall mean a period after the occurrence of a change in (1) or (2) of Article 7 of the General Conditions of Insurance, based on information received from the policyholder or the insured. (*3) The period is limited to cases where the payment by the policyholder is not made within a reasonable period of time despite the Company's request to the policyholder for payment of an additional premium. (*4) The term shall mean the conditions of insurance provided for by the Company in writing

as the scope of insurance which can be continued subject to the payment of a premium. Article 7 (The insured's request for cancellation of the insurance contract) (1) In cases where the insured is a party other than the policyholder, the insured may request the cancellation of this Endorsement (*1), except when there exists a special agreement between the insured and the policyholder. (2) In cases where the policyholder requests cancellation under (1) above, the policyholder shall cancel this Endorsement (*1) upon notice to the Company. (*1) The application shall be limited to parts related to the insured only. Article 8 (Refund of premiums - Cancellation) (1) In cases where the Company cancels this insurance contract in accordance with the provision (2) or (3) of Article 6 (Refund or request of premiums - Duty of notice, etc. concerning changes of professions or duties), the Company shall refund a premium calculated daily pro rata for the unearned period of insurance. (2) In cases where the policyholder cancels this Endorsement (*1) in accordance with the provision

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of (2) of Article 7 (The insured's request for cancellation of the insurance contract), the Company shall refund the balance of a premium after deducting a premium corresponding to the earned period of insurance. (*1) The application shall be limited to parts related to the insured only. Article 9 (Notice of an accident) (1) In cases where the insured sustains an injury, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for injury shall inform the Company of the situation of the occurrence of the insured event and the extent of the injury, within thirty (30) days of the occurrence of the insured event including the date of the occurrence. In this case, the policyholder, the insured or the beneficiary of insurance claims shall comply with the Company's request, if any, for notification or an explanation in writing or the presentation of a medical certificate or a postmortem certificate of the insured. (2) In cases where an aircraft or watercraft boarded by the insured becomes missing or is in distress, the policyholder or the beneficiary of insurance claims for medical expenses for injury shall inform the Company, in writing, of the details of such an event within thirty (30) days including the date of its occurrence. (3) In cases of ① and ② above, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for injury shall inform the Company, without delay, of the existence or otherwise of other insurance contracts, etc., (*1) and their details. (4) In cases where the Company requests the policyholder, the insured or the beneficiary of insurance claims for medical expenses for injury to submit documents or evidence which the Company considers particularly important, in addition to ① to ③ above, they shall, without delay, comply with the request and cooperate with the Company in the investigation of loss or damage. (5) In cases where the policyholder, the insured or the beneficiary of insurance claims for medical expenses for injury fails to comply with the provision of ①, ②, ③ or ④ without proper reasons, or does not represent known facts or misrepresents facts in the notification or explanation, the Company shall pay insurance claims for medical expenses for injury after deduction of loss or damage sustained by the Company. (*1) The term shall mean concurrent other insurance contracts or mutual aid contracts under which insurance claims or mutual aid money is paid for expenses provided for in (1) of Article 2 (Cases where insurance claims are paid) (*2) In cases where insurance claims or mutual aid money has already been paid under other insurance contracts, etc.(*1), the term includes the fact. Article 10 (Request for payment of insurance claims) (1）The right to request of the Company payment of insurance claims under this Endorsement shall go into effect at the time when the insured does not need treatment any longer or when one hundred (180) days have passed, including the date of the occurrence of the insured event, whichever is earlier, and may be exercised forthwith. (2) Documents (*1) needed to request the payment of insurance claims under this Endorsement shall be a request for an insurance claim, the insurance policy and those of the following which the Company requests:

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① A report of the injury on a form prescribed by the Company; ② An accident certificate issued by public institutions (*2); ③ A doctor of medicine's certificate proving the state of the injury; ④ Receipts proving the payment by the insured of expenses mentioned in ① to ③ of (1) of Article 2 (Cases where insurance claims are paid), as well as bills of such expenditures

by organizations associated with the Company; ⑤ The insured's seal registration certificate; ⑥ If a request for payment of an insurance claim for medical expenses for injury is commissioned

to a third party, a document in proof of such commission and the person's seal registration certificate;

⑦ A letter of agreement that the Company may contact and ask for an explanation from a doctor of medicine to know the insured's conditions, details of treatment made, etc., and;

⑧ Documents indispensable for the Company in verifying the necessary matters provided for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time the insurance contract concluded.

(*1) The term includes documents in cases where, under the provision of (4) of Article 2, the insured requests the Company for payment of medical expenses to organizations

associated with the Company. (*2) Under unavoidable circumstances, a third party's certificate shall be accepted. Article 11（Request for a medical certificate prepared by a doctor of medicine appointed by the Company) (1) In cases where notice is received under the provision of Article 9 (Notice of an accident), where notice is received under the provision in Article 10 (Request for payment of insurance claims) or where a request is received under the provision of Article 19 (Request for payment of insurance claims) of the General Conditions of Insurance, the Company may request the policyholder, the insured, or the beneficiary of insurance claims for medical expenses for injury to submit a medical certificate or postmortem statement of the insured prepared by a doctor of medicine appointed by the Company to the extent necessary for verifying the degree of an injury or paying an insurance claim for medical expenses for injury. (2) Necessary expenses incurred (*1) in obtaining the medical certificate or postmortem statement (*2) shall be borne by the Company. (*1) The term does not include the loss of income. (*2) The term shall mean to verify the death from a medical viewpoint. Article 12 (Subrogation) (1) In cases where, regarding expenses in (1) of Article 2 (Cases where claims are paid), the insured or the insured's heir-at-law has acquired the right to claim damages and other credits, such credits shall be transferred to the Company when the Company has paid insurance claims for medical expenses for injury, to the extent mentioned as follows: ① Cases where the Company has paid the total amount of expenses in (1) of Article 2 borne by the insured, etc., or the insured's heir-at-law, as an insurance claim for

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medical expenses for injury: The total amount of credits acquired by the insured, etc. or the insured's heir-at-law. ② Cases other than (1) above The balance of the amount of credits acquired by the insured, etc. or the insured's heir-at-law less the amount of expenses borne by the insured, etc. or the insured's heir-at-law for which an insurance claim for medical expanses for injury has not yet been paid. (2) In the case ② of (1) occurs, credits which are not transferred to the Company and continue to be held by the insured, etc., or the insured's heir-at-law, shall be liquidated prior to credits transferred to the Company. (3) The policyholder, the insured and the beneficiary of insurance claims for medical expenses for injury shall cooperate with the Company in preserving and exercising the credit mentioned in (1) or (2) when the Company acquires or obtaining evidence or documents which the Company finds necessary for such purposes. Expenses incurred for such purposes shall be borne by the Company. (*1) The term includes rights to indemnity between joint and several debtors in the case of a joint unlawful act, etc. Article 13 (Application mutatis mutandis) The provisions of the General Conditions of Insurance and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of the said Endorsement. Attached table Sports, etc., in Article 4 (Cases where insurance claims are not paid - 2) Mountain climbing (*1), luging, bobsleighing, skeleton, piloting (*2) an aircraft (*3), skydiving, hang-gliding, flying an ultra-light powered plane, flying a gyroplane and other similar dangerous sports. (*1) The term shall mean the use of tools for mountain climbing such as ice axes, climbing irons,

climbing rope, and hammers. (*2) The term excludes piloting as a profession. (*3) The term excludes gliders and airships. (*4) The term shall mean motor-driven hang-gliders, micro-light planes, ultra-light planes, etc., and excludes parachute-type ultra-light powered planes (*5). (*5) The term shall mean paraplanes, etc.

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Medical Expenses for Illness Endorsement

Article 1 (Definition of terms) In this Endorsement, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Medical objective opinions The term shall mean findings of abnormal states recognized by physical examinations, neurological examinations, clinical examinations, image examinations, etc. Insured amount of medical expenses for illness The term shall mean the insured amount of medical expenses for illness stated in this insurance policy. Amount of payment of liability The term shall mean an amount of payment calculated as if there did not exist any other insurance contracts, etc. (*1) Period of liability The term shall mean the period of insurance, as well as of time during the course of travel. Insured event In this Endorsement the term shall mean the manifestation of an illness. (*1) The term shall mean concurrent other insurance contracts or mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1) of Article 2 (Cases where insurance claims are paid) Article 2 (Cases where insurance claims are paid) (1) When the insured falls under any of the following cases, the Company shall, in accordance with

the provisions of this Endorsement and the General Conditions of Insurance (*1), pay amounts mentioned in (2) below to the insured as insurance claims for illness, on condition, however, that such expenses shall be those incurred unavoidably within one hundred and eighty (180) days including the date of commencement (*2) of treatment:

① Commencement of treatment within the passage of seventy-two (72) hours after the termination of the period of liability as a direct result of any of the following illnesses:

a. An illness which manifested itself during the period of liability; or b. An illness which manifested itself within seventy-two (72) hours of the termination of the period of liability, on condition; however, that the cause of the illness arose during the period of liability.

② Commencement of treatment within the passage of thirty (30) days including the date of the termination of the period of liability as a direct result of contracting any of the following infectious diseases (*3) mentioned in Article 6 (Definitions) of the Act on the Prevention of Infectious Diseases and Medical Care for Patients with Infectious Diseases (Act No.114 of October 2, 1998) (*3) or a novel coronavirus infection as stipulated in clause 7, item 3 of the same Article (only a coronavirus whose

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pathogen is betacoronavirus genus and limited to that newly reported by the People’s Republic of China to the World Health Organisation in January 2020 of its ability to transmit to humans) (*3) during the period of liability, within thirty (30) days including the date of the termination of the period of liability. a. Class I infectious disease b. Class II infectious disease c. Class III infectious disease d. Class IV infectious disease e. Designated infectious diseases (*13)

(2) The words “the amounts mentioned in ② of (1) above mean expenses mentioned below. It shall be understood, however, that such amounts are those which the Company considers reasonable in the light of principles generally accepted in society and which the Company would usually bear in other accidents similar to the insured event, with the exception, however, of expenses which would not have been incurred had this Insurance agreement not been effected. ① Amounts actually incurred by the insured in the treatment of an illness, part of the following

amounts: a. Charges forａdoctor of medicine’s consultation, treatment and operation;

b. Charges for medicines, medical supplies and use of medical appliances under instructions from a doctor of medicine; c. Charges for X-rays, laboratory tests and use of an operation room; d. Professional nurse charges (*4), excluding money for gratitude; e. Hospital charges when admitted in a hospital or clinic; f. Room charges at lodging facilities in cases where, despite the insured's need for treatment in a hospital or clinic, the insured is obliged to receive (*5) treatment (*1) in a room of lodging facilities under unavoidable circumstances under which there are no hospitals or clinics nearby or that there are no vacancy in beds in hospitals or clinics; g. Room charges at lodging facilities in cases where the insured receives treatment or takes a rest in a room of lodging facilities under instructions from the doctor, although there is no need for the insured to get hospitalized. In this case, however, any amount which has been refunded to the insured or which the insured intended to bear shall be deducted from these expenses;

h. Emergency-purpose expenses for transporting the insured to a hospital or clinic. Charges for chartering non-regular flight (including transport by a charter flight) shall be included in the scope of covered expenses at the time only when a doctor of medicine acknowledges that transport by a regular flight is difficult for purposes of treatment;

i. Transportation expenses for the insured to get hospitalized or go to a hospital as an outpatient; j. Transportation expenses (*6) for moving the insured to another hospital or clinic because of the unavailability of medical specialists or of difficulty in receiving appropriate treatment at the hospital or clinic where the insured receives inpatient or outpatient care. In cases, however, where the insured is transported to a hospital or clinic in Japan (*7),

the Company shall deduct the amount of a fare for return to Japan reimbursed to the insured or the amount of a fare for return to Japan due to be borne by the insured,

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from the payment of expenses; k. Expenses for employing an interpreter necessary for receiving treatment; and l. Charges for a medical certificate by a doctor of medicine needed to claim payment of medical and rescue expenses; and m. Expenses necessary for disinfecting places contaminated or suspected of

having been contaminated by germs at the order of the public authorities by law. ② Expenses actually incurred by the insured as a result of hospitalization, part of those mentioned below, subject to the limit of Yen 200,000 per illness (*8): a. Communication expenses such as international telephone calls; or b. Expenses for purchasing personal effects (*9) necessary for hospitalization. ③ Expenses actually incurred by the insured by having received treatment and, as a result, having left the scheduled course of travel, part of any of the following expenses; provided, however, that any amount which has been reimbursed to the insured or which is due to be borne by the insured shall be deducted from these expenses: a. Transportation and accommodation expenses incurred by the insured in returning to the scheduled course of travel; or b. Transportation and accommodation expenses incurred by the insured in returning home directly (*10). (3) The time of occurrence of the cause of an illness, time of its manifestation, recognition of the manifestation, time of commencing treatment, etc., shall depend on a diagnosis by a doctor of medicine. (4) Notwithstanding the provision of (1) above, the Company shall not pay insurance claims for medical expenses for illness incurred in the treatment of any of the following illnesses: ① An illness resulting from an injury sustained by the insured; ② An illness resulting from pregnancy, childbirth, premature delivery or miscarriage; and ③ Dental treatment. (5) The payment of insurance claims for medical expenses for illness mentioned in (1) shall be limited to the insured amount of medical expenses for illness per illness (*8). (6) In cases where there are other insurance contracts, etc., (*11) and where the total payment of liability exceeds the amount mentioned in (1) above, the Company shall pay the following amounts as insurance claims for medical expenses for illness: ① Cases where insurance claims or mutual aid money has not been paid under other insurance contracts, etc.(*11) : The amount of payment of liability under this insurance contract. ② Cases where insurance claims or mutual aid money has been paid under other insurance contracts, etc. (*11): The balance of the amount of expenses in (1) above minus the total sum of insurance claims or mutual aid money paid under concurrent other insurance contracts, etc. (*11); up to the limit of the amount of payment of liability under this insurance contract. (7) Notwithstanding the provision of (1) above, the Company shall pay insurance claims for medical expenses for illness calculated in accordance with the provisions of (1) to (6) to organizations associated with the Company, in cases where the insured receives a request for payment of expenses mentioned in ① or ③ of (2) above from said organizations and demands the Company to pay such expenses to those organizations, on the understanding that the insured has already incurred those expenses.

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(8) Notwithstanding the provision of (2) above, the Company shall not pay insurance claims for medical expenses for illness contracted by the insured for the medical treatment by sustaining an injury and, as a direct result, finding it necessary to receive treatment by chiropractic, acupuncture or moxa cautery practitioners (*11) outside Japan. (*1) The term means the General Conditions of Insurance for Overseas Travel Insurance, the same meaning applying hereinafter. (*2) In cases of complications and deuteropathy, the term means the date of having started the treatment of the illness which was the cause of such symptoms. (*3) The term means an infectious diseases specified when the insured starts undergoing medical

treatment. (*4) The term includes professional nurses whose care is considered necessary by a doctor of medicine at the time of receiving treatment outside Japan. (*5) The term includes cases of taking a rest at lodging facilities under instructions from a doctor of medicine. (*6) Expenses for an accompanying doctor of medicine or a professional nurse are included when considered necessary for treatment. Charges for chartering a non-regular flight including transport by a charter plane shall be included in the scope of expenses only when the doctor acknowledges that transport by a regular flight is difficult for purposes of treatment. (*7) The term means the domicile of the insured in cases where the person lives outside Japan. (*8) The term includes complications and deuteropathy. (*9) The amount shall be limited to Yen 50,000. (*10) The term includes transportation and accommodation expenses for the insured, who lives outside Japan, to return directly to the country to which the person's domicile belongs. (*11) The term means concurrent other insurance and mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1). (*12) The term means persons having qualifications required by law, or permits to provide treatment by law at the place where treatment was considered necessary (*13) Only when provisions similar to those applicable to Class 1 infectious diseases, Class 2 infectious diseases, or

Class 3 infectious diseases based on the provisions of Article 7, clause 1 of the Act on Prevention of Infectious Diseases and Medical Care for Patients with Infectious Diseases are stipulated by Cabinet Order (with changes made as necessary).

Article 3 (Cases where claims are not paid - 1) (1) The company shall not pay insurance claims for medical expenses for illness arising from events falling under any of the following causes: ① A willful act or gross negligence on the part of the policyholder (*1) or the insured; ② A willful act or gross negligence on the part of the beneficiary of insurance claims for medical expenses for illness; ③ A suicidal, criminal or violent act on the part of the insured; ④ The execution of the insured. ⑤ War, military acts by a foreign nation, revolutions, insurrections, civil wars, armed rebellions,

and any other like events; ⑥ Accidents due to the radioactivity, explosiveness or other hazardous natures of

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nuclear fuel materials (*2), substances contaminated (*2) by nuclear fuel materials (*3) , or any accident arising from such natures; ⑦ Accidents incidental to the causes mentioned in ⑨ or ⑩ above or accidents arising from the disturbance of good order accompanying such causes; or ⑧ Nuclear radiation or nuclear contamination other than those in ⑥ above; (2) The Company shall not pay insurance claims for medical expenses for illness concerning a cervical syndrome (*4), back pain or other symptoms regardless of causes for such symptoms in cases where such symptoms are without objective medical observation in support of the insured's complaint of pain. (*1) In the case the policyholder is a corporation, the term shall mean any of its executives,

Directors, or organs performing its corporate duties. (*2) The term includes used fuel. (*3) The term includes nuclear fission materials. (*4) The term shall mean what is generally known as a "whiplash syndrome". Article 4 (Cases where claims are not paid - 2) The Company shall not pay insurance claims for medical expenses for illnesses caused during the time when the insured takes part in mountain climbing (*1). (*1) The term shall mean the use of tools for mountain climbing such as an ice axe, climbing irons, climbing rope, and hammer. Article 5 (Effect of any other physical impediment or illness) (1) In cases where an illness becomes aggravated as a result of a bodily impediment, or illness which preexisted at the time when the insured developed the illness, or of an injury or illness which the insured suffered independently of the insured event after contracting the illness, the Company shall pay an amount calculated as if such factors did not exist. (2) The Company shall pay insurance claims in a manner similar to (1) above in cases where an illness becomes aggravated because the insured neglected treatment without any proper reasons or where the policyholder or the beneficiary of insurance claims for medical expenses for illness did not let the insured receive treatment without any proper reasons. Article 6 (The insured's request for cancellation of the Endorsement) (1) In cases where the insured is other than the policyholder, the insured may request cancellation of this Endorsement (*1), except when there exists a special agreement between the insured and the policyholder. (2) In cases where the policyholder requests cancellation provided for in (1) above, the insured shall cancel this Endorsement (*1) under notice to the Company. (*1) The application shall be limited to parts related to the insured only. Article 7 (Refund of premiums - Cancellation) In cases where the policyholder cancels this Endorsement (*1) in accordance with the provision (2) of Article 6 (The insured's request for the cancellation of the Endorsement), the Company shall

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refund the balance of a premium after deducting a premium corresponding to the earned period. (*1) The application shall be limited to parts related to the insured only. Article 8 (Notice of an accident) (1) In cases where the insured develops an illness, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness shall inform the Company of details concerning its manifestation and progress, within thirty (30) days including the date of its manifestation. In this case, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness shall comply with the Company's request, if any, for notification or an explanation in writing or the presentation of a medical certificate or a postmortem certificate of the insured. (2) In the case of (1) above, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness shall inform the Company without delay of the existence or otherwise of other insurance contracts, etc., (*1) and their details. (3) In cases where the Company requests the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness to submit documents or evidence which the Company considers particularly important in addition to ① and ②, the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness (4) shall comply with the request without delay and cooperate with the Company in the investigation of loss or damage. (4) In cases where the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness fails to comply with the provision of ①, ②, or ③ without proper reasons, or does not represent known facts or misrepresents facts in the notification or explanation, the Company shall pay insurance claims for medical expenses for illness after deduction of loss or damage sustained by the Company. (*1) The term shall mean concurrent other insurance contracts or mutual aid contracts under which insurance claims or mutual aid money is paid for expenses provided for in (1) of Article 1 (Cases where insurance claims are paid). (*2) In cases where insurance claims or mutual aid money has already been paid under other insurance contracts, etc.(*1), the term includes the fact. Article 9 (Request for payment of insurance claims) (1）The right to request the Company for payment of insurance claims under this Endorsement shall become effective at the time when the insured does not need treatment any longer or when one hundred (180) days have passed including the date of the occurrence of the insured event, whichever is the earlier, and may be exercised forthwith. (2) Documents (*1) needed to request the payment of insurance claims under this Endorsement shall be a request for an insurance claim, the insurance policy and those of the following which the Company requests: ① A doctor of medicine’s certificate proving that the insured contracted the illness during the

period of liability or within seventy-two (72) hours of the termination of the period of liability, and the insured started receiving treatment within seventy-two (72) hours of the termination of the period of liability, as well as detailing the state of the illness and the time of occurrence of the cause of the illness;

② A doctor of medicine’s certificate proving that the insured started receiving treatment, as a direct

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result of having contracted the infectious disease within thirty (30) days including the date of termination of the period of liability, as well as the severity of the disease.

③ Receipts proving the payment by the insured of expenses mentioned in ① to ③ of (2) of Article 2 (Cases where insurance claims are paid), or bills for such expenses issued by organizations associated with the Company;

④ The insured's seal registration certificate; ⑤ If a request for payment of insurance claims for medical expenses for illness is commissioned to a third party, a document in proof of such commission, and the person's seal registration

certificate; ⑥ A letter of agreement that the Company may contact and ask for an explanation from a doctor of medicine to know the insured's conditions, details of treatment made, etc.; and ⑦ Documents indispensable for the Company in verifying the necessary matters provided for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time of the concluding the insurance contract. (*1) In cases of complications and deuteropathy; the term shall mean the date of commencing treatment of the illness; (*2) The term includes documents in cases where, under the provision of (7) of Article 2, the insured requests the Company for the payment of insurance claims for medical expenses for illness to organizations associated with the Company. Article 10（Request for a medical certificate prepared by a doctor of medicine appointed by the Company) (1) In cases where notice is received under the provision of Article 8 (Notice of claims) or where a request is received under the provision of Article 9 (Request for payment of insurance claims) of this Endorsement or Article 19 (Request for payment of insurance claims) of the General Conditions of Insurance, the Company may request the policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness to submit a medical certificate or postmortem statement of the insured prepared by a doctor of medicine appointed by the Company to the extent necessary for verifying the degree of an illness or paying insurance claims for medical expenses for illness. (2) Necessary expenses incurred (*1) in obtaining the medical certificate or postmortem statement (*2) shall be borne by the Company. (*1) The term does not include the loss of income. (*2) The term shall mean to verify the fact of death from medical viewpoints. Article 11 (Subrogation) (1) In cases where, regarding expenses mentioned in (2) of Article 2 (Cases where insurance claims are paid), the insured or the insured's heir-at-law has acquired the right to claim damages and other credits. Such credits (*1) shall be transferred to the Company at the time when the Company has paid insurance claims for medical expenses for illness, up to the limits mentioned below: ① Cases where the Company has paid the total amount of expenses in (2) of Article 2

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borne by the insured or the insured's heir-at-law, as insurance claims for medical expenses for illness: The total amount of credits the insured, etc., or the insured's heir-at-law has acquired. ② Cases other than (1) above: The balance of the amount of credits acquired by the insured or the insured's heir-at-law minus the amount of expenses borne by the insured or the insured's heir-at-law of which insurance claims for medical expenses for illness have not yet been paid. (2) In the case of ② of (1), credits which are not transferred to the Company and continues to be held by the insured, etc., or the insured’s heir-at-law shall be liquidated prior to credits transferred to Company. (3) The policyholder, the insured or the beneficiary of insurance claims for medical expenses for illness shall cooperate with Company in preserving and exercise of the credit mentioned in (1) or (2) which the Company acquires or obtaining of evidence or documents which the Company finds necessary for such purposes. Expenses incurred for such purposes shall be borne by the Company. (*1) The term includes rights to indemnity between joint and several debtors in the case of a joint unlawful act, etc. Article 12 (Amendment to General Conditions of Insurance) In this article the words “An insured event occurring prior to the commencement or after the termination of the insured’s itinerary” in ② of (5) of Article 5 (Commencement and termination of insurance liability) of the General Conditions of Insurance shall be amended to read “An insured event occurring prior to the commencement or after the termination of the period of liability”. Article 13 (Application mutatis mutandis) The provisions of the General Conditions of Insurance and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of the said Endorsement.

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Rescuer’s Expenses, etc., Endorsement

Article 1 (Definition of terms) In this Endorsement, the meanings of the following terms shall be understood in accordance with their respective definitions given below: Medical objective opinions The term shall mean findings of abnormal states recognized by physical examinations, neurological examinations, clinical examinations, image examinations, etc. Rescuers The means the insured's relatives (*1) bound for an accident site for purposes of searching (*2) or nursing the insured or of dealing with an accident. Insured amount for rescuers’ expenses, etc. The term shall mean the insured amount of rescuers’ expenses, etc., stated in the insurance policy. Accident site The term shall mean the site of an accident, a place where the insured is accommodated, or the insured's work-place. Automobiles, etc. The term shall mean automobiles or motorized bicycles. Amount of payment of liability The term shall mean an amount of payment calculated as if no other insurance contracts existed(*3). Period of liability The term shall mean the period of insurance, as well as of time during the course of travel. Insured event In this Endorsement the term shall mean that the insured falls under any of the cases mentioned in ①to ④ of (1) of Article 2 (Cases where insurance claims are paid). (*1) The term includes these persons' representatives. (*2) The term shall mean the search, rescue, or transport of the insured. (*3) The term shall mean insurance contracts or mutual-aid contracts under which insurance claims, or mutual aid money is paid for expenses mentioned in (1) of Article 2. Article 2 (Cases where insurance claims are paid) (1) The Company shall, in accordance with the provisions of this Endorsement and the General Conditions of Insurance (*1), pay insurance claims for rescuers’ expenses, etc., borne by the policyholder, the insured or the insured’ relatives as a result of the insured falling under any of the

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following cases, to the bearer of such expenses: ① The insured dies as a result of any of the following cases:

a. The insured dies as a direct result of an injury sustained during the period of liability within one hundred and eighty (180) days, including the date of the occurrence of an accident which caused the injury; b. The insured dies within the period of liability as a direct result of an illness, pregnancy, childbirth, premature birth or miscarriage; c. The insured dies within thirty (30) days including the date of termination of the period of liability as a direct result of an illness which manifested itself during the period of liability, on the condition that the insured commenced treatment within the period of liability and continued receiving it; or d. The insured commits a suicidal act during the period of liability and dies within one hundred and eighty (180) days including the date of the act.

② During hospitalization, the insured falls under any of the following cases: a. As a direct result of an injury (*2) sustained during the period of indemnity, the insured stays in the hospital (*3) for consecutive three (3) days and more; or b. As a direct result of an illness which manifested itself during the period of liability,

the insured stays in the hospital for consecutive three (3) and more, on condition that the treatment of the illness started during the period of liability.

③ The insured falls under any of the following cases: a. During the period of liability, an aircraft or watercraft boarded by the insured goes missing. b. During the period of liability, an aircraft or watercraft boarded by the insured becomes disabled. c. The life or death of the insured cannot be verified due to a sudden, chance accident of an

external origin. d. It has been confirmed by the police or other public office that the insured is in a state of needing

urgent search and rescue activities. (2) The time of occurrence of an illness in accordance with ① or ② of this article, time of its manifestation, recognition of the manifestation, time of commencing treatment, etc., shall depend on a diagnosis by a doctor of medicine. (3) Notwithstanding the provision of (1) above, the Company shall pay insurance claims for rescuers’ expenses to organizations associated with the Company in cases where the policyholder, etc., (*4) receives a request from such organizations for payment of expenses mentioned in ① to ⑥ of (1) of Article (3) (Scope of Expenses) and demand the Company to pay such expenses to those organizations, on the understanding that the policyholder, etc., (*4) have already incurred such expenses as those mentioned in (1). (*1) The term shall mean the General Conditions of Overseas Travel Insurance, the same meaning applying hereinafter. (*2) In the case of the insured having been transferred to other hospitals or clinics, the periods

needed for the transfer are included in the period of hospitalization, on the condition that a doctor of medicine considers such transfer necessary for treatment purposes.

(*3) The term does not include illnesses resulting from pregnancy, childbirth, premature birth or miscarriage, or dental treatment.

(*4) The term shall mean the policyholder, the insured or the insured's relatives.

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Article 3 (Scope of expenses) (1) The expenses mentioned in Article 2 (Cases where insurance claims are paid) shall mean the following: ① Search and rescue expenses: Expenses paid upon the request of people who participated in search activities for the insured in distress, part of necessary expenses for such activities. ② Airfare and other transportation fares: The term shall mean rescuers' round-trip fares to and from the accident site by sea/or air.

Such fares shall be limited to those of three (3) rescuers and, in cases where the insured falls under c. or d. under ③ of provision (1) of Article 2, the Company shall exclude expenses incurred by rescuers in going to the accident site after the fate of the insured becomes known and urgent search (*1) and rescue activities for the insured were terminated.

③ Room charges at lodging facilities: The term shall mean room charges at lodging facilities incurred by rescuers at the accident site

and on the way to/from the site. Such charges shall be limited to those incurred by up to three (3) rescuers and a period of fourteen (14) days per rescuer; provided, that, in cases where the insured falls under searchers in total and up to a period of fourteen (14) days per searcher. In the case, the insured falls under c. or d. under ③ of provision (1) of Article 2, the Company shall exclude expenses incurred by rescuers in going to the accident site after the life or death of the insured became known or urgent search (*1) or rescue activities for the insured were terminated.

④ Transport expenses: The term shall mean necessary expenses incurred in transporting the deceased insured to

the address or in transporting the insured who is still under treatment from the accident site to the insured's address, or to a hospital or clinic in the country to which the address belongs, with the exclusion of the following expenses:

a. Any fare reimbursed to the insured for returning home or due to be borne by the insured for returning home; and

b. Expenses to be paid under ① or ③ of (1) of Article 2 (Cases where insurance claims are paid) of the Medical Expenses for Injury Endorsement or under ① or ③ of (2) of Article 2 (Cases where insurance claims are paid) of the Medical Expenses for Illness Endorsement.

⑤ Disposal expenses for the remains: The term shall mean cremation charges, embalmment charges for the remains, etc., for

the insured who deceased, with the exclusion of the price of flowers, sutra recitation fees, hall fees, etc., which are not directly related to the disposal of the remains.

⑥ Miscellaneous expenses: The term shall mean expenses mentioned in the list below and will be limited to 200,000 Yen. The Company shall exclude expenses payable under ② of Article 2 of the Medical Expenses for Injury Endorsement or ② of (2) of Article 2 of the Medical Expenses for Illness Endorsement. a. Rescuers’ costs for travel formalities (*3) b. Transportation expenses incurred by rescuers or the insured at an accident site c. Purchase costs of personal effects and international telephone and communication charges

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necessary for the insured’s hospitalization or rescue. d. Other items as necessary to the rescue as those in a. through c.

(*1) The term shall mean search, rescue or transport. (*2) The includes expenses for an accompanying doctor of medicine or a professional nurse when considered necessary for treatment. Charges for chartering a non-regular

flight including transport by a charter plane shall be included in the scope of expenses only when the doctor acknowledges that transport by a regular flight is difficult for purposes of treatment.

(*3) The term shall mean a revenue stamp on the passport, a passport visa, vaccination, etc. Article 4 (Cases where insurance claims are not paid - 1) (1) The Company shall not pay insurance claims for rescuers' expenses, etc., incurred as a result of

any of the cases mentioned in (1) of Article 2 (Cases where insurance claims are paid) due to any of the following causes

① A willful act or gross negligence on the part of the policyholder (*1) or the insured. In cases where the insured falls under the provision d of ① of (1) of Article 2, the Company shall pay insurance claims for rescuers' expenses; ② A willful act or gross negligence on the part of the beneficiary of insurance claims for rescuers' expenses. In cases, where the person is the recipient of a part of the insurance claim for rescuers' expenses, the Company' shall restrict its non- payment of the claim to the portion of the claim payable to such person; ③ A suicidal, criminal or violent act on the part of the insured. In cases where the insured

falls under the provision d of ① of (1) of Article 2, the Company shall pay insurance claims for rescuers' expenses;

④ Accidents caused while the insured is involved in any of the following cases: a. The insured drives an automobile, etc., without a driving license prescribed by law (*3);

In cases where the insured falls under a of ① of (1) of Article 2, the Company shall pay insurance claims for rescuers' expenses.

b. The insured drives an automobile, etc., under the influence of alcohol as mentioned in Article 65, Section 1 of the Road Traffic Act. In cases where the insured falls under

the provision a of ① of (1) of Article 2, the Company shall pay insurance claims for rescuers' expenses; or

c. The insured drives an automobile, etc. in the state of being unable to control the vehicle properly under the influence of narcotics, hemp, opium, stimulant, thinner, etc.

⑤ The execution of a sentence on the insured; ⑥ War, military acts by a foreign nation, revolutions, insurrections, civil wars, armed rebellions,

and any other like events; ⑦ Accidents due to the radioactivity, explosiveness or other hazardous natures of nuclear fuel materials (*3), substances contaminated (*4) by nuclear fuel materials (*3) or any accident arising from such natures; ⑧ Accidents incidental to the causes mentioned in ⑥ or ⑦ above or accidents arising from the disturbance of good order accompanying such causes; or ⑨ Nuclear radiation or nuclear contamination other than those in ⑦ above. (2) The Company not pay insurance claims for rescuers' expenses concerning a cervical syndrome

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(*5), back pain or other symptoms regardless of causes for such symptoms in cases where such symptoms are without objective medical observations in support of the insured's complaint of pain. (*1) In the case of the policyholder being a corporation, the term shall mean any of its executives,

directors or organs to perform its corporate duties. (*2) The term shall mean the law in the country where driving is made. (*3) The term includes used fuel. (*4) The term includes nuclear fission products. (*5) The term shall mean what is generally known as a "whiplash syndrome". Article 5 (Cases where insurance claims are not paid - 2) The Company shall not pay insurance claims for rescuers’ expenses, etc. incurred as a result of any of the cases mentioned in ② or ③ of provision (1) of Article 2 (Cases where insurance claims are paid) due to the insured taking part in any of the sports, etc. mentioned in the Attached Table. Article 6 (Payment of insurance claims for rescuers' expenses) Of expenses mentioned in Article 3 (Scope of expenses), the Company shall pay insurance claims for rescuers’ expenses in respect only of those which the Company considers reasonable in the light of principles generally accepted in society and which the Company would ordinarily bear (*1) on the occurrence of accidents similar to the insured event. In cases where the insured or the beneficiary of insurance claims for rescuers’ expenses, etc., can receive payment by way of reparation for loss or damage from a third party, the Company shall not pay insurance claims for rescuers’ expenses, etc. corresponding to such payment. (*1) The Company shall exclude expenses which would not have incurred had this insurance

contract not been effected. Article 7 (The Company’s limit of liability) The amount of insurance claims for rescuers’ expenses, etc., which the Company pays under this Endorsement throughout the period of insurance shall be limited to the insured amount of rescuers’ expenses, etc. Article 8 (Refund of or request for premiums - Duty of notice, etc., concerning changes of professions or duties) (1) In cases where there is a fact of a change of profession or duties (*1) and it is necessary to change an applicable premium, the Company shall refund a premium, or request an additional premium calculated daily pro rata for a period (*2) subsequent to the date when such change of professions or duties (*1) has taken place, based on a difference of applicable premiums before and after the change. (2) In cases where the policyholder failed to pay an additional premium (*3) in accordance with the provision of (1) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder. (3) In cases where an additional premium is requested under the provision of (1) above and where the Company may cancel this insurance contract in accordance with the provision of (2) above, the Company shall reduce the insured amount of rescuers’ expenses, etc., incurred in respect of an

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insured event which arose after the occurrence of the fact (*1) of the change of professions or duties concerning ② to ③ of (1) of Article 2 (Cases where insurance claims are paid), in the proportion that the applicable premium before the change bears to the applicable premium after the change. (4) In cases where the policyholder or the insured fails, willfully or by gross negligence, to give prompt notice provided for in (1) or (2) of Article 7 (Duty of notice concerning the change of professions or duties) of the General Conditions of Insurance and where the applicable premium after the change is higher than the applicable premium before the change, the Company shall reduce the insured amount of insurance claims for rescuers’ expenses, etc., incurred after the occurrence of the fact (*1) of the change of professions or duties concerning ② to ③ of (1) of Article 2, in the proportion that the applicable premium before the change bears to the applicable premium after the change. (5) The provision of (4) above shall not apply in cases where one (1) month has passed without any notice from the Company to the beneficiary of insurance claims for rescuers’ expenses, etc., since the Company became aware of the occurrence of a cause for reducing the insured amount of insurance claims for rescuers’ expenses, etc., under the provision of (4) above or where a period of five (5) years has passed since the fact (*1) of the change of professions or duties has occurred. (6) The provision of (4) above shall not apply to insured events concerning ② to ③ of (1) of Article 2 which arose independently of a change of professions or duties (*1). (7) Notwithstanding the provision of (4) above, the Company may cancel this insurance contract by sending notice in writing to the policyholder in cases where a change of professions or duties (*1) has taken place to the extent that the change exceeds the scope of coverage (*4) of this insurance contract. (8) Even in cases where cancellation was made under the provision of (7) above after the occurrence of an insured event, the Company shall not, notwithstanding the provision of Article 14 (Effect of canceling the insurance contract) of the General Conditions of Insurance, pay insurance claims for rescuers’ expenses, etc., incurred in an insured event which arose between the occurrence of the fact of a change of professions or duties and the time of canceling the insurance contract. In this case the Company may request the return of insurance claims, if any, for rescuers’ expenses, etc. (*1) The term shall mean the fact of a change in accordance with the provision of (1) or (2) of Article 7 of the General Conditions of Insurance. (*2) The term shall mean a period after a change in (1) or (2) of the General Conditions of Insurance, based on information received from the policyholder or the insured. (*3) The period is limited to cases where the payment by the policyholder is not made within a reasonable period of time despite the Company's request to the policyholder

for payment of an additional premium. (*4) The term shall mean the conditions of insurance provided for by the Company in writing

as the scope of insurance which can be continued subject to the payment of a premium. Article 9 (Refund of premiums - cancellation) In cases where the Company cancels the insurance contract under the provision of (2) or (7) of Article 8 (Refund of or request for premiums - Duty of notice, etc., concerning changes of professions or duties), the Company shall refund a premium calculated daily pro rata for the unearned period of insurance.

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Article 10 (Notice of an accident) (1) On the occurrence of an insured event, the policyholder, the insured or the beneficiary of insurance claims for rescuers' expenses, etc., shall inform the Company of matters given below within thirty (30) days including the date of the occurrence of the insured event. In this case, those parties shall comply with the Company's request, if any, for notification or an explanation in writing: ① In the case of ① or ② of (1) of Article 2 (Cases where insurance claims are paid), the circumstances of the occurrence of the insured event and information about the state of an injury, the manifestation of an illness and its progress; or ② In the case of ③of (1) of Article 2, information about missing or distress or the occurrence of the accident mentioned in ③ of (1) of the same article. (2) In the case of (1) above, the policyholder, the insured or the beneficiary of insurance claims for rescuers' expenses, etc., shall inform the Company, without delay, of the existence or otherwise of any other insurance contracts (*1) and their details. (3) The policyholder, the insured or the beneficiary of insurance claims for rescuers' expenses, etc., shall cooperate with the Company in the investigation of loss or damage by submitting to the Company, without delay, documents mentioned in (1) and (2) above, as well as any other documents or evidence which the Company considers particularly important. (4) In cases where the policyholder, the insured or the beneficiary of insurance claims for rescuers' expenses, etc., fails to comply with the provision of (1), (2) or ③ above without proper reasons or represent known facts, or misrepresents facts, the Company shall pay insurance claims for rescuers' expenses, etc., after deduction of loss or damage sustained by the Company. (*1) The term shall mean concurrent other insurance contracts or mutual aid contracts under which insurance claims or mutual aid money for expenses mentioned in (1) of Article 2 (Cases where insurance claims are paid) is paid. (*2) The term includes the fact in cases where insurance claims or mutual aid money has already been paid under concurrent other insurance contracts, etc. (*1). Article 11 (Request for payment of insurance claims) (1）The right to request of the Company payment of insurance claims under this Endorsement shall become effective from the time when the policyholder, the insured or the insured’s relatives bore the expenses concerned and may be exercised forthwith: (2) Documents needed (*1) to request the payment of insurance claims under this Endorsement shall be a request for payment of claims, the insurance policy and those of the following which the Company requests: ① Documents proving the occurrence of the insured event; ② Bills of expenditures and documents proving such expenditures or bills of expenditures issued by organizations associated with the Company, about each of the expenses in ① to ⑥ of (1) of Article 3 (Scope of expenses) for which insurance claims for rescuers’ expenses are payable; ③ If a request for an insurance claim for rescuers' expenses, etc., is commissioned to a third party, a document in proof of such commission and the person's seal registration certificate; ④ Documents indispensable for the Company in verifying the necessary matters

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provided for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time of concluding the insurance contract. (*1) The term includes documents in cases where, under the provision of (4) of Article 2 (Cases where insurance claims are paid), the policyholder, the insured or the insured's relatives request the Company to pay insurance claims for rescuers’ expenses to organizations associated with the Company. Article 12 (Amounts of payment of insurance claims in cases where there are concurrent other insurance contracts, etc.) In cases where there are concurrent other insurance contracts, etc., (*1) and where the amount of total liability exceeds the amount of expenses mentioned in Article 3 (Scope of liability), the Company shall pay the following amounts as insurance claims for rescuers' expenses, etc.: ① Cases where insurance claims or mutual aid money has not been paid under concurrent other

insurance contracts, etc. (*1): The amount of liability in this insurance contract.

② Cases where insurance claims or mutual aid money has been under concurrent other insurance contracts, etc.(*1):

The balance of the amount of expenses under (1) of Article 3 less the total of insurance claims or mutual aid money paid under concurrent other insurance contracts (*1) (*1) The term shall mean concurrent other insurance contracts and mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1) of Article 2 (Cases where insurance claims are paid). Article 13 (Subrogation) (1) In cases where, regarding expenses in (1) of Article 2 (Cases where insurance claims are paid), the policyholder, the insured or the insured's relatives have acquired the right to claim damages and other credits, such credits shall be transferred to the Company at the time when the Company has paid insurance claims for rescuers’ expenses to the limits mentioned below: ① Cases where the Company has paid the total amount of expenses in (1) of Article 2 (Cases where insurance claims are paid) borne by the policyholder, the insured or the insured's relatives, as the insurance claim for rescuers’ expenses, etc.: The total amount of credits acquired by the policyholder, the insured, or the insured's relatives. ② Cases other than (1) above The balance of the amount of credits acquired by the policyholder, the insured or the insured’s relatives. less the amount of expenses in (1) of Article 2 borne by the policyholder, the insured or the insured’s relatives. for which the insurance claim for rescuers’ expenses, etc., have not yet been paid. (2) In the case of ② of (1), credits which are not transferred to the Company and continue to be held by the policyholder, the insured. or the insured's relatives shall be liquidated prior to credits transferred to the Company. (3) The policyholder, the insured and the beneficiary of insurance claims for rescuers’ expenses, etc. shall cooperate with the Company in preserving and exercising the credit mentioned in (1) or (2)

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which the Company acquires or obtaining evidence or documents which the Company finds necessary for such purposes. Expenses incurred for such purposes shall be borne by the Company. (*1) The term includes rights to indemnity between joint and several debtors in the case of a joint unlawful act, etc. Article 14 (Amendment to the General Conditions of Insurance) In ③ of Article 3 (Scope of expenses) of this Endorsement, the words “his/her departure from the country where he/she domiciles” in (c) of the definition of accommodations in Article 1 of the General Conditions of Insurance shall be amended to read “rescuers’ departure from the country where rescuers domicile”. Article 15 (Special provisions for the cancellation due to material causes) (1) If the policyholder, the insured or the beneficiary of the insurance claims for rescuers' expenses, etc. falls under either of (a) to (e) of ③ of (1) of Article 13 (Cancellation due to material causes) of the General Conditions, the Company may cancel this Endorsement (*1) by sending notice in writing to the policyholder. (2) Even if the cancellation mentioned in the section (1) is made after an insured event, the Company will not pay the insurance claims for the expenses due to the insured event that occurred during a period from the occurrence of an event that leads to the cancellation mentioned in the section (1) to the cancellation. In this case, if the insurance claims have already been paid, the Company may request the return of the insurance claims. (3) If the cancellation mentioned in the section (1) is made, the provisions of the section (2) shall not apply to the expenses incurred by the insured or the beneficiary of the insurance claims for rescuers' expenses, etc. who does not fall under either of (a) to (e) of ③ of (1) of Article 13 of the General Conditions. (*1) If this Endorsement applies to the insured or the beneficiary of the insurance claims for rescuers' expenses, etc., it is limited to the parts related to said insured or beneficiary of the insurance claims for rescuers' expenses, etc. Article 16 (Application mutatis mutandis) The provisions of the General Conditions and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of the said Endorsement. Attached Table Sports, etc. in Article 5 (Cases in which insurance claims are not paid - 2) Mountain climbing (*1), luge, bobsleighing, skeleton, piloting (*2) an aircraft (*3), skydiving, flying a hang-glider, flying an ultra-light powered plane, flying a gyroplane, and other such dangerous sports (*1) The term shall mean the use of tools for mountain climbing such as ice axes, climbing irons, climbing rope, and hammers. (*2) The term excludes piloting as a profession.

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(*3) The term excludes gliders and airships. (*4) The term shall mean powered hang-gliders, micro-light planes, ultra-light planes, etc., and excludes parachute-type ultra-light powered planes (*5). (*5) The term shall mean paraplanes, etc.

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Liability Endorsement

Article 1 (Cases where claims are paid) (1) The Company shall, in accordance with the provisions of this Endorsement and the General Conditions of Insurance (*1), pay insurance claims for liability in cases where, as a result of a chance accident during the course of travel, the insured is held legally liable for damages by causing a bodily injury (*1) to a third party or destroying (*2) or losing property belonging to a third party. (2) In cases where the insured is a legally incompetent person, a person having parental authority shall be appointed the insured. The Company shall pay such insurance claims for liability only when the person having parental authority sustains loss by assuming legal liability for the bodily injury to a third party or the destruction or loss of property belonging to a third party caused by the incompetent person in a fortuitous accident during the course of travel. (*1) The term shall mean an injury, illness or death, the same meaning applying hereinafter. (*2) The term shall mean the loss of, stains on or damage to property, the same meaning applying hereinafter. (*3) The term shall mean the General Conditions of Insurance for Overseas Travel Insurance, the same meaning applying hereinafter. (*4) The term shall mean a person having parental authority or any other person having supervisory responsibility. Article 2 (Insured event) In this Endorsement an insured event means the accident mentioned in Article 1 (Cases where insurance claims are paid) which is the cause of legal liability for damages arising from a bodily injury to a third party or the destruction or missing of property belonging to a third party caused by the insured. Article 3 (Cases where insurance claims are not paid - 1) The Company shall not pay insurance claims for liability for loss or damages arising from any the causes given below: ① Gross negligence on the part of the policyholder (*1) or the insured; ② War, military acts by a foreign nation, revolutions, insurrections, civil wars, armed rebellions,

and any other like events; ③ Accidents due to the radioactivity, explosiveness or the otherwise hazardous nature of nuclear fuel materials (*2), substances contaminated (*3) by nuclear fuel materials (*2) or any accident arising from such natures; ④ Accidents due to the cause mentioned in ② or ③ above or accidents arising from the disturbance of good order accompanying such causes; or ⑤ Nuclear radiation or nuclear contamination other than those in ③ above. (*1) In the case the insured is a corporation, the term shall mean any of its executives, directors, or organs performing its corporate duties. (*2) The term includes used fuel. (*3) The term includes nuclear fission materials.

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Article 4 (Cases where claims are not paid - 2) The Company shall not pay insurance claims for liability caused as a result of the insured being the casuality of damages arising from any of the following causes: ① Liability for damages arising directly from the insured’s fulfillment of their business duties; ② Liability for damages arising from the ownership, use or control of movable estate used primarily for the business purposes of the insured; ③ Liability for damages arising from real estate owned, used or controlled by the insured; ④ Liability for damages arising from a physical impediment sustained by the insured’s employees while engaged in the insured’s business. However, this provision shall not apply

to the person employed by the insured for household purposes; ⑤ Liability aggravated because of an agreement between the insured and a third party regarding compensation for damages; ⑥ Liability for damages against the insured relatives (*1) living or travelling together with the insured; ⑦ Liability for damages against persons having the legal right to the property destroyed or lost while being under the ownership, use or control of the insured, with the exception of the following:

a. The damaging of a guest room (*2) of lodging facilities where the insured stays; b. The damaging of a room (*3) in the habitation facilities where the insured stays excluding

cases where the insured rents whole rooms in a building or an apartment house; or c. The damaging of travel goods or household materials which the policyholder or the insured rented directly from a leasing trader. ⑧ Liability for damages arising from the insanity of the insured; ⑨ Liability for damages arising from violence acts committed by the insured, or committed under the instruction of the insured; ⑩ Liability for damages arising from the ownership, use or operation of an aircraft, watercraft (*4), vehicle (*5) or firearms (*6); or ⑪ Liability for damages arising from the discharge, effluence, overflow or leakage of polluted materials (*7). This provision shall not apply to the unexpected and sudden discharge, effluence, overflow or leakage of polluted materials. ⑫ Liability for damages for a fine, penalty for breach of a contract or punitive damages. (*1) The term includes any of the insured’s relatives who are living separately from the insured temporarily for the purposes of travel. (*2) The term includes movable property in a guest room, a key to the safety box outside the room and room keys. (*3) The term includes all movable property in the room. (*4) The term excludes mostly man-powered watercraft, yachts, and jet-skis. (*5) The term excludes mostly man-powered vehicles, golf-carts on golf links and snowmobiles used for leisure. (*6) The term excludes air guns. (*7) The term shall mean noxious or toxic substances contained in a solid, liquid or gaseous states; or substances released with heat, including smoke, steam, soot, stench, acids, alkalis, chemical

products, wastes (*8), etc. (*8) The term shall mean substances for recycling.

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Article 5 (Scope of insurance claims paid) The scope of insurance claims, for liability paid by the Company, shall be confined to the following: ① Liability for damages payable by the insured to victims of an injury or damage; ② At the time an insured event occurred, expenses necessary or effective for preserving or

exercising the right of recovery against a third party or for preventing the occurrence or spread of loss or damage provided for in ② of (1) of Article 7 (Occurrence of accidents);

③ In cases where, after having taken measures necessary or effective for preventing the occurrence or spread of loss or damage, it has turned out that the insured is not responsible for liability for damages, expenses or disbursements incurred by the insured in the first-aid treatment, escort or emergency measures for victims of an injury or damage, subject to the Company’s prior written agreement ;

④ Legal expenses, attorneys’ fees and necessary expenses for mediation, compromises, or arbitration, undertaken by the insured with the written approval of the Company; and

⑤ Expenses incurred by the insured in cooperating with the Company’s settlement of a claim for damages provided for in Article 8 (Settlement by the Company).

Article 6 (Amounts payable for insurance claims) The amounts of insurance claims payable by the Company shall be limited to the following: ① The amount of damages in excess of the deductible (*1) stated in the insurance policy, up to,

the insured amount of liability for damages per insured event. ② The total amount of expenses mentioned in ② to ⑤ of Article 5 (Scope of insurance claims paid).

In cases where the amount of damages in ④ of the said article exceeds the insured amount of liability (*2) per insured event stated in the insurance policy, expenses mentioned in ④ of the said article shall be paid in proportion to the amount of the insured amount of liability borne in relation to the amount of damages in ① of the said article.

(*1) The term shall mean an amount deducted from the amount of loss or damage in the calculation of insurance claims paid. (*2) The term shall mean the insured amount of liability stated in the insurance policy. Article 7 (Occurrence of an insured event) (1) The policyholder or the insured shall perform the following duties when it has come to their knowledge that a bodily injury to a third party, or the destruction, or missing of property belonging to a third party occurred due to an insured event: ① Inform the Company without delay of the time the insured event occured; the place; the address,

name, age and profession of the victim of said injury or damage; circumstance of the insured event, as well as the addresses and names of witnesses, if any, within thirty (30) days including the date of the event. In cases where a claim of damages is made against the insured, the insured shall inform the Company, without delay, of its details. The insured shall comply with the Company’s request, if any, for the submission of information in writing;

② Carry out necessary procedures for preserving and exercising the right in cases where it is possible for the insured to get compensation for damages from a third party and, in addition, take necessary measures for preventing the occurrence or spread of damages;

③ Obtain the Company’s agreement in advance in cases where the insured intends to admit whole

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or part of the liability for damages. The insured shall not be precluded from taking first aid, escort and other emergency measures.

④ Inform the Company immediately, in writing, of a suit for damages instituted against the insured;

⑤ Inform the Company without delay of the existence or otherwise of other insurance contracts, etc. (*1) and their details (*2); and

⑥ Comply with the Company's request without delay and cooperate with the Company in investigating loss or damage in cases where the Company requests the insured to submit all documents or evidence which the Company finds particularly necessary in addition to ① to ⑤ above.

(2) In cases where the policyholder or the insured violates the duties mentioned in ① to ⑥ without proper reason, the Company shall decide upon the amounts of payment after deduction of the following amounts: ① If the duties in ①, ④ or ⑥ of (1) above are violated, the amount which the Company sustained

because of it; ② If ② of (1）above is violated, the amount which the Company could have saved by preventing

the occurrence or spread of damages; or ③ If ③ of (1) above is violated, the amount in respect of which liability for damages is not

considered to exist. (*1) The term shall mean concurrent other insurance contracts or mutual aid contracts under which insurance claims or mutual aid money is paid for loss or damage mentioned in Article 1 (Cases where insurance claims are paid). (*2) The term includes the fact in case where the payment of insurance claims or mutual aid money has already been made under other insurance contracts, etc. (*1). Article 8 (Settlement of insurance claims by the Company) The Company may, at its own expense, deal with the settlement of a request for damages from the victim of an injury or damage for and on behalf of the insured, when it considers necessary to do so. In this case, the insured shall cooperate with the Company in the settlement upon request of the Company. Article 9 (Request for payment of insurance claims) (1) The right to request the Company pay insurance claims under this Endorsement shall become effective from the time when a sentence is given on the insured and victim of an injury or damage regarding the amount of legal liability for damages which the insured should bear for the victim, and may be exercised forthwith: (2) Documents needed to request the payment of insurance claims under this Endorsement shall be a request for payment of claims, the insurance policy and the following: ① A report of the accident on the form prescribed by the Company; ② An out-of-court settlement document or its alternative; ③ Documents proving the occurrence of loss or damage; ④ If a request for settlement of the insurance claim for damages is commissioned to a third party,

a document in proving of such commission and the person's seal registration certificate; ⑤ A document proving the payment of damages or agreement given by the victim of an injury or

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damage; or ⑥ Documents indispensable for the Company in verifying the necessary matters provided for in (1) of Article 20 (Time of paying insurance claims) of the General Conditions of Insurance, or other forms provided for by the Company as evidence in documents, etc., delivered by the Company at the time of conclusion of the insurance contract. Article 10 (Amounts of payment of insurance claims in cases where there are other insurance contracts, etc.) (1) In cases where there are other insurance contracts (*1) and where the total amount of liability (*2) exceeds the amount of loss or damage, the Company shall pay the following amounts as insurance claims for liability: ① Cases where insurance claims or mutual aid money has not been paid by other insurance contracts, etc. (*1):

The amount of liability in this insurance contract. (*2) ② Cases where insurance claims or mutual aid money has been under other insurance contracts, etc.(*1): The balance of the amount of expenses under (1) of Article 3 less the total of insurance claims or mutual aid money paid under other insurance contracts (*1) (2) The amount of loss or damage mentioned in (1) shall be calculated after the deduction of the lowest deductible (*3) in cases where a deductible is applied in each of other insurance contracts, etc,. (*1) The term shall mean concurrent other insurance contracts and mutual aid contracts under which insurance claims or mutual aid money is paid for expenses mentioned in (1) of Article 2. (Cases where insurance claims are paid). (*2) The term shall mean the amount of insurance claims calculated as if there were no other insurance contracts, etc. (*1). (*3) The term shall mean the amount to be deducted from the amount of loss or damage at the time of calculating insurance claims payable. Article 11 (Subrogation) (1) In cases where the insured has acquired the right to claim damages and other credits as a result of the occurrence of loss or damage and where the Company has paid insurance claims for liability against such loss or damage, such credits shall be transferred to the Company up to the amounts mentioned below: ① The Company has paid the total amount of loss or damage as insurance claims for liability:

The total amount of credits acquired by the insured. ② Cases other than ① above:

The balance of the amount of credits acquired by the insured less the amount of loss or damage for which insurance claims have not been paid.

(2) In the case of ② of (1), credits which are not transferred to the Company and continue to be held by the policyholder, the insured or the insured’s relatives shall be liquidated prior to credits transferred to the Company.

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(3) The policyholder and the insured shall cooperate with the Company in preserving and exercising the credit mentioned in (1) or (2) which the Company acquires or obtaining evidence or documents which the Company finds necessary for such purposes. Expenses incurred for such purposes shall be borne by the Company. (*1) The term includes rights to indemnity between joint and several debtors in the case of a joint unlawful act, etc. Article 12 (Liens) (1) Victims of an injury or damage has a lien on the insured’s right to insurance claims (*1) against the Company. (2) The Company shall pay insurance claims falling under any of the following cases: ① The Company makes payment of insurance claims to the insured after the insured compensated

the victim of an injury or damage for loss or damage, up to the amount compensated by the insured;

② The Company makes payment of insurance claims directly to the victim under instructions from the insured before the insured compensates the victim for loss or damage;

③ The Company makes payment of insurance claims directly to the victim following the insured’s exercise of a lien before the insured compensates the victim; or

④ The Company makes payment of insurance claims to the insured following the victim's agreement to such payment before the insured compensates the victim, up to the amount agreed by the victim.

(3) The right to insurance claims (*1) shall not be transferred to a third party other than the victim. Also, the said right (*1) shall not be made the object of a lien or be held under restraint, with the exception of cases where, under the provision of ① or ④ of (2), the insured may request the Company for payment of insurance claims. (*1) The term includes rights to indemnity between joint and several debtors in the case of a joint unlawful act, etc. Article 13 (Special provisions for the cancellation due to material causes) (1) If the policyholder or the insured falls under either of (a) to (e) of ③ of (1) of Article 13 (Cancellation due to material causes) of the General Conditions, the Company may cancel this Endorsement (*1) by sending notice in writing to the policyholder. (2) Even if the cancellation mentioned in the section (1) is made after an insured event, the Company will not pay the insurance claims for the damages due to the insured event that occurred during a period from the occurrence of an event that leads to the cancellation mentioned in the section (1) to the cancellation. In this case, if the insurance claims have already been paid, the Company may request the return of the insurance claims. (3) If the cancellation mentioned in the section (1) is made, the provisions of the section (2) shall not apply to the damages below ① Damage to the insured who does not fall under either of (a) to (c) or (e) of ③ of (1) of Article 13

of the General Conditions; or

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② Burden of the damage compensation incurred by the insured who falls under either of (a) to (c) or (e) of ③ of (1) of Article 13 of the General Conditions.

(*1) If this Endorsement applies to the insured, it is limited to the parts related to said insured. Article 14 (Application mutatis mutandis) The provisions of the General Conditions and Endorsements attached thereto shall be applied, mutatis mutandis, to matters not provided for in this Endorsement in so far as compatible with the purposes of said Endorsement.

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Temporary Stay in the Home Country Endorsement (1) In cases where the insured returns home temporarily during the period of insurance, the Company shall pay insurance claims (*1) under this insurance contract by assuming that the date of having returned home and the following period are within the course of travel: ① For the insured in the category of residents provided for in the Foreign Exchange and Foreign Trade Law, thirty (30) days counting from the day following the date of having returned home (*2). ② For the insured in the category of non-residents provided for in the Foreign Exchange and Foreign Trade Law, ninety (90) days counting from the day following the date of having returned home (*2). (2) In cases where the insured makes overseas travel after the expiration of any of the periods mentioned in (1) above, it shall be understood that the course of travel starts from the time when departure formalities have been completed. (*1) In this Endorsement the term shall mean insurance claims for loss of life from injury under the Loss of Life from Injury Endorsement, insurance claims for physical impediments under the Physical Impediments from Injury Endorsement, or the Physical Impediments from Injury Endorsement (type of the payment classification table for insurance payment for physical impediment) (*4), medical expenses for injury under the Medical Expenses for Injury Endorsement, medical expenses for illness under the Medical Expenses for Illness Endorsement, medical and rescue expenses under the Medical and Rescue Expenses Endorsement, insurance claims for loss of life from illness under the Loss of Life from Illness Endorsement and insurance claims for liability under the Personal Liability Endorsement. (*2) The term shall mean the time when entry procedures have been completed. (*3) The term includes insurance claims based on the Endorsement concerning the Additional Payment of Insurance Claims for Physical Impediments from Injury.

― 100 ―

*Compiled in February 2021.

Type of Coverage

Am

ount of Coverage

補償

項目

保険

金額

Death and Physical Inpedim

ent傷

害死

亡・後

遺障

害

Medical Expences for A

ccidental Injury¥700,000

傷害

治療

費用

(¥5,000 diductible)

Death from

Sickness疾

病死

亡

Medical Expences for Sickness

¥700,000疾

病治

療費

用(¥5,000 diductible)

Rescue Expences

救援

者費

用等

Personal Liability Insurance個

人賠

償責

任

Please read this booklet carefully and familiarise yourself w

ith the coverage provided.*1) Beginning w

ith insurance contracts starting on 15 July 2021, the amount covered by personal liability

insurance will be changed to 100,000,000 yen.

¥4,000,000

¥50,000,000

Oversseas Travel Insurance

海外

旅行

保険

¥20,000,000

¥6,000,000

*1