About Insurance

 Insurance Coverage for Students Participating in the Internship Program  

Student Accident Insurance (GAKKENSAI), Student Liability Insurance (GAKKENBAI) and Personal Liability Insurance for Students (GAKUBAI)

In order to carry out the internship program without fear of liability, all interns must take out two kinds of insurance prior to commencing the internship program.

 Japanese students must join the “Student Accident Insurance (GAKKENSAI)” (*1) and the “Student Liability Insurance (GAKKENBAI)” (*2). On the other hand, international students must join the “Student Accident Insurance (GAKKENSAI)” (*1) and the “Personal Liability Insurance for Students (GAKUBAI)” (*3).

 “Student Accident Insurance” (GAKKENSAI in Japanese); which provides insurance coverage for students while pursuing their learning and/or engaging in their researches at the university. As the internship program is regarded as a curricular activity, should the intern have an unexpected accident during the internship program, he/she could be covered by this insurance within its coverage.

“Student Liability Insurance” (GAKKENBAI in Japanese); covering third-party disasters or accidents for students while pursuing their learning and/or engaging in their researches at the university. This insurance offers coverage against injuries caused to a third party or damages made to property of another person during the duration of the internship program, for which the intern is legally obliged to pay compensation.

“Personal Liability Insurance for Students” (GAKUBAI in Japanese); this insurance widely covers the compensation liability against accidents which may occur in daily life. If the intern happens to injure a third party or cause a damage to property of another person during the internship program, his/her compensation liability for the third party could be covered by this insurance.

 Interns must also make sure to fully understand the details of their insurance coverage prior to commencing the internship program.

 Students should join the insurance at the time of enrollment. A brochure regarding insurance coverage and the various premiums has been enclosed in the package which has been mailed to the newly enrolled students prior to the time of enrollment. In principle, you should buy both insurance plans for two year period, which provide coverage for the whole duration of the master’s program. The payment should also be paid in a lump sum at the beginning of the coverage period.

 Additional information is available at the Student Affairs Division, on Yoshida Campus, Kyoto University (TEL: 075-753-2533).

As for the “Personal Liability Insurance for Students (GAKUBAI)” plan, you should contact Clock Tower co-op shop of Kyoto University Co-op (TEL: 075-771-6211).

 Note1: If you buy the “Student Accident Insurance (GAKKENSAI)” or the “Student Liability Insurance (GAKKENBAI)” after the date of April 1st, you will be covered by the insurance from the next day of the purchase, and be covered until March 31st of the academic year in which you will complete your master’s course.

 Note2: As for the “Personal Liability Insurance for Students (GAKUBAI)”, only University Co-op members can buy it. You must join the Kyoto University Co-op first, and then buy the insurance. For joining the University Co-op, you will need \4,000 to pay.

  In addition, if you buy the “Personal Liability Insurance for Students (GAKUBAI)” plan after April 1st, you will be covered by the insurance from the next day of your purchase, and be covered until 4pm on April 1st , the next day of your completion of your master’s course.

 *The coverage of “Student Liability Insurance (GAKKENBAI)” is as follows;

Kinds of activity

Regular curriculum, Internship programs conducted as a sort of school event or extracurricular activities, Practice of nursing care, Teaching practice, Childcare practice, Volunteer activity, and school commutes.

This coverage does not include the practice related to Medical treatment such as Clinical practice or Nursing practice.

・Personal injury

insurance

・Property damage

liability insurance

The total amount of insurance coverage of Personal injury insurance and Property damage liability insurance is limited to \100,000,000.

(It covers either accidents occurring inside or outside the country.)

 *The coverage of “Personal Liability Insurance for Students (GAKUBAI)” is as follows;

Kinds of activity

1)  Daily life

2)  Regular curriculum, Internship programs conducted as a sort of school event or extracurricular activities, Practice of nursing care, Teaching practice, Childcare practice, Volunteer activity, and school commutes.

This coverage includes the practice related to Medical treatment such as Clinical practice or Nursing practice.

Personal injury

insurance

Property damage

liability insurance

The total amount of insurance coverage of Personal injury insurance and Property damage liability insurance is limited to \100,000,000 per accident.

(It covers either accidents occurring inside or outside the country.)

 

  Insurance cover for overseas internship study

 Interns participating in overseas internship programs or interns who are instructed to participate in overseas travel by the host organization/institution must purchase Overseas Travel Insurance that provides cover at least 30 million yen for medical and rescue expenses. (The costs of purchasing insurance cover for overseas internship study are to be borne by interns, and are in addition to the costs of Student Accident Insurance and Student Liability Insurance, purchased prior to joining GSGES).

Note: GSGES is currently registered as a member of Japan IR&C Corporation Support System. Japan IR&C helps universities to prepare their students for any contingency overseas by providing additional support for individuals who encounter accident or sickness (including mental problems), and who are in need of help in foreign countries. All GSGES students who have purchased overseas travel insurance and submitted copies of the relevant forms to GSGES are eligible for support from Japan IR & C.

Insurance "Futai kaigaku" is a comparatively reasonable price.

Insurance "Futai kaigaku"

Handling of accidents

In the event of an accident, the intern must promptly contact the internship supervisor at the host organization/institution as well as the academic supervisor(s) and seek instruction and advice. Interns should note that the failure to immediately report a serious problem or accident could result in insurance payment not being made. If a claim is to be made, the intern must provide the following information to the Student Center of Kyoto University and to the claims department of his/her insurance company:

1)   The time and date of the accident

2)   The place at which the accident took place

3)   The names and ages of the injured parties

4)   The cause of the accident

5)   The degree of injury and/or damage