1. YNU
2. Current Students
3. Student Life
4. Insurance for Students

National Health Insurance National Pension PlanInsurance for students

National Health Insurance

International students planning to reside in Japan for more than three months are required to subscribe to National Health Insurance. This insurance covers 70% of charges for medical care and hospitalization. If monthly medical fees add up to a large sum, there is a cap on the total amount that you have to pay. However, some dental procedures and some kinds of hospitalization may not be covered, so be sure to inquire at the hospital before you undergo treatment. Family members can also enroll in this insurance program, and about 70% of medical costs are also covered for family members.

NB: The reduction varies depending on local government rules and individual income. You should contact your local ward office and ask what kind of document you need to submit for the reduction of the premium.

National Pension Plan

All people residing in Japan, including international students, are required by law to enroll in the National Pension Plan and pay pension contributions upon turning 20 years old. Please make sure to submit an application to enroll in the National Pension Plan at your local ward office. If you cannot pay pension contributions due to financial difficulties, you can apply for postponement of payments. After enrolling in the National Pension Plan, you will be eligible to receive the Disability Basic Pension benefits in case you become disabled caused by any unexpected accident or illness.

Insurance for students

Personal Accident Insurance for Students Pursuing Education and Research "Gakkensai" Liability Insurance for Students Pursuing Education and Research "Gakkenbai" Insurance coverage period and premiums ("Gakkensai" + "Gakkenbai") Procedures for enrolling in insurance policiesValid insurance coverage period Other Insurances

Unforeseeable accidents may occur while you are engaged in educational and research activities—during class, school events, commuting, and extracurricular activities—even if you are well prepared to prevent accidents. YNU has implemented an insurance system so you can prepare yourself for unforeseeable natural disasters and accidents you may suffer, as well as liability for damage to others you may cause, while involved in educational and research activities. It is recommended that you take out an insurance policy for security in your student life.

Personal Accident Insurance for Students Pursuing Education and Research "Gakkensai"

You can lodge an insurance claim if you are physically injured due to unforeseeable accidents and natural disasters while you are conducting educational and research activities at YNU.

※This insurance policy does not cover "illness."

Examples covered by the insurance policy

During the regular curriculum

Accidental injuries you may suffer while you are in class (lectures, experiments, practicum, exercises, and practices) or in the related research activities:

• A test tube broke during an experiment, and your right little finger was cut by the broken piece of the test tube.
• A test tube broke during an experiment, and your right little finger was cut by the broken piece of the test tube.
• When playing basketball in gym class, your finger was broken because of a rebounding ball that hit your finger.

During school events

Accidental injuries you may suffer while participating in various school events as part of educational activities, including an entrance ceremony, orientation, and graduation ceremony held by YNU:

• A test tube broke during an experiment, and your right little finger was cut by the broken piece of the test tube.
• You accidentally cut your left little finger with a knife when cooking at a food booth at a university festival.

While on campus at YNU

Accidental injuries you may suffer while you are on the facilities owned, used, or managed by YNU for educational activities:

• You sprained your left ankle when descending the stairs to a bicycle parking space on the YNU campus.

During extracurricular activities

Accidental injuries you may suffer while participating in cultural or sports activities conducted under the management of student clubs approved by YNU through the prescribed procedures defined by YNU regulations:

• When practicing judo, you hit and sprained your knee on the tatami mat.
• During American football practice, you broke your collarbone when you ran into another team player and hit your shoulder on the ground.

While commuting to and from YNU

Accidental injuries you may suffer while you are commuting to and from YNU facilities, etc., via a reasonable route and method (excluding methods prohibited by YNU) to participate in YNU class, event, or extracurricular activity:

• When riding a motorcycle, you fell to the ground and broke your bone because you lost control of the motorcycle.
• You sprained your ankle when walking down a slope.

While traveling between YNU facilities, etc.

Accidental injuries you may suffer while traveling between facilities owned, used, or managed by YNU for education and research—including other places where class, school events, or extracurricular activities are conducted—via a reasonable route and method (excluding methods prohibited by YNU) to participate in a YNU class, event, or extracurricular activity:

• When traveling to your club facilities by motorcycle, you were injured because a small vehicle hit you from behind while you were stopped at a traffic light.

Types and amount of insurance ("Gakkensai")

Coverage / Types of insurance	During the regular curriculum During school events	While commuting While in school facilities While traveling between facilities, etc.	During extracurricular activities *1 (Inside and outside school facilities)
Medical insurance	3,000 to 300,000 yen [Coverage] A day or more of medical treatment (*2)	6,000 to 300,000 yen [Coverage] Four or more days of medical treatment (*2)	30,000 to 300,000 yen [Coverage] 14 days or more of medical treatment (*2)
Residual disability insurance	1,200,000 to 30,000,000 yen	600,000 to 15,000,000 yen
Life insurance	20,000,000 yen	10,000,000 yen
Addition on hospitalization	4,000 yen per day [Coverage] A day or more of hospitalization *Up to 180 days of hospitalization

1　The extracurricular activities must be registered at YNU.

2　Days of medical treatment refers to the days required for actual medical treatment (actual days of hospitalization or treatment at hospital), andall days during the medical treatment period will not be covered. 。

Comprehensive Insurance for Students Lives Coupled with "Gakkensai" for International Students

Additional option with the Personal Accident Insurance for Students Pursuing Education and Research "Gakkensai" covers hospital visits of more than 1 day, or hospitalization for illness or injury in daily life. This insurance also covers liability for bodily injury or property damage that you cause to others in daily life, including during regular curriculum activities.

Comprehensive Insurance for Students Lives Coupled with "Gakkensai" for International Students

Liability Insurance for Students Pursuing Education and Research "Gakkenbai"

This insurance policy covers legal liability for injuries to others and damage to others’ property you may cause during the regular curriculum (including internships and volunteer activities) and school events, as well as while traveling between the relevant facilities, inside and outside Japan. Law school students should enroll in the Liability Insurance for Law School Students Pursuing Education and Research. (in Japanese)

Examples covered by the insurance policy

• During a chemical experiment, you accidentally used the wrong chemical substance, which led to an explosive accident causing a burn injury to another person.
• When participating in a yakitori food booth in a university festival, you caused a food poisoning accident, and five people were hospitalized.
• While working for a company as an intern during the regular curriculum, you used a machine incorrectly and broke it.
• While commuting to YNU, you accidentally bumped into an elderly man in front of you and seriously injured him when you rushed down the stairs at a station.

Amount of compensation ("Gakkenbai")

Liability for others	Up to 100,000,000 yen per accident (*1), including liability for others 　and property (Deductible (*2): 0 yen)
Liability for property

1　There is a limit to the amount of money paid per year to an insured person.

2　The deductible means the amount of money deducted from the amount of damage when the amount of insurance payment is calculated. The deductible shall be owned by the insured person.

Insurance coverage period and premiums ("Gakkensai" + "Gakkenbai")

You cannot enroll separately in the above insurance policies.

The insurance coverage period cannot be shortened because the period is determined based on the years of your enrollment at YNU.

Insurance coverage period	Insurance premiums category
	Daytime	Nighttime
One year	1,340 yen	790 yen
Two years	2,430 yen	1,430 yen
Three years	3,620 yen	2,120 yen
Four years	4,660 yen	2,760 yen

Periods of enrollment of less than one year will be rounded up to "One year."

Procedures for enrolling in insurance policies

1. Visit the office of the Student Support Division to receive a payment slip.
2. Fill in the payment slip, and make an insurance premium payment (separately with handling charges) at your nearest post office.
3. As a rule, new students must make the payment by the end of March (or by the end of September for October admission); current students who have not enrolled in insurance policies, between April 1 and 30 (or between October 1 and 30 for October admission).
4. Students who have completed the procedures should receive the "Guide for Gakkensai" and the "Guide for Gakkenbai" at the service desk (3) of the Student Support Division.

Valid insurance coverage period

The valid insurance coverage period should be from the day after your payment of insurance premiums to 12:00 noon of March 31 of the designated graduation year.

If you are a new student and make the payment before enrolling at YNU, the valid insurance coverage period will begin from April 1 for April admission and from October 1 for October admission

The valid insurance coverage period for October admission shall be as follows:

"Gakkensai"

12:00 noon of September 30 of the designated graduation year

"Gakkenbai"

12:00 noon of September 30 of the designated graduation year

Other Insurances

• (KYOSAI) Student Comprehensive Mutual Insurance
• Sports anzen hoken (in Japanese)
• Volunteer katsudo hoken (in Japanese)

(General Student Affairs Section, Student Support Division Student Affairs and International Relations Department ）