ALWAYS NU

Student Insurance

The National Health Insurance (JNHI) scheme does not fully cover the fees for the treatment of your own illness or injuries that arise from accidents. If you cause damage to someone else’s property, or cause injury to another person, you will be liable to pay damages which may exceed your budget. The JNHI does not cover this liability for damages. In recent years, many bicycle accidents have occurred in which a student traveling on a bicycle at a high speed hit and seriously injured a pedestrian. These students were liable for large amounts of medical expenses. Thus, it is strongly recommended that you join other insurance schemes to cover yourself against such costly events.

From April 2015, Nagoya University recommends every student join both "the JEES Student Insurances" (①) and "the University Co-op's Personal Liability Insurance for Students" (④) at least. Some faculties may compel all of their students to join ① and ②.

Student Insurances provided by JEES (Japan Educational Exchanges and Services)

  1. "Personal Accident Insurance for Students Pursuing Education and Research" (with special coverage for the commute to school and while being in transit between school facilities)：Insurance for injuries caused by accidents during curricular activities on campus, such as experiments or gymnastics in regular courses, official programs, extracurricular activities, and commuting is provided. (annual premium：A-type ￥650, B-type ￥550)
  2. "Third Party Incidental Liability Insurance for Students Pursuing Education and Research"：This covers compensation for damages to a third party or a third party’s property that may occur during curricular activities on campus, such as experiments or gymnastics in regular courses, official programs, extracurricular activities, internship activities, and commuting. (annual premium：① +￥340)
  3. "Comprehensive Personal Liability and Accident Insurance for Students Pursuing Education and Research"：Expansive insurance including coverage for general student life, such as fees for medical treatment and rescue expenses. (annual premium：￥9,000-)

    4. For further information, please refer to the JEES website or inquire at Student Affairs Division of your school.

    Student Insurances provided by the University Co-op

    From April 2015, Nagoya University recommends every student join "the University Co-op's Personal Liability Insurance for Students" (④). Please visit their office on the 1st floor of the North University Co-op (Hokubu-kosei-kaikan) to enroll.

  4. "Personal Liability Insurance for Students":This covers compensation for damages to a third party or a third party's property that may occur not only during curricular activities on campus, but also during any time in daily life. It also includes "Bicycle Liability Insurance". As long as the accident occurs in Japan, an insurance company will provide an out-of-court-settlement service to negotiate with the third party on behalf of the contractor. To join this insurance, you (international student) should also join the University Co-op by paying the 4,000 yen membership fee which will be reimbursed after completing the necessary procedures at the University Co-op upon graduation or the end of your study abroad period at Nagoya University. (annual premium：￥1,800 or ￥8,500)
  5. "Comprehensive Student Mutual Insurance"：Even though the National Health Insurance Scheme (JNHI) covers 70% of your medical expenses, you may have to pay an unexpected amount for the treatment of your illness or injuries. This insurance provides the prescribed daily sum of money for hospitalization or being treated at a hospital. (annual premium：￥6,000)

For further information, please refer to the University Co-op's Student Mutual Benefit web-site or inquire at the Nagoya University Co-op.