spend保険規約

In the event that the Insured suffers a bodily injury caused by a sudden and accidental event during the covered trip within Japan, resulting in death within 180 days counting from and including the date of the accident (including immediate death).

The Insurer shall pay 100% of the insured amount for Death and Permanent Disability.

Note: In the event that a Permanent Disability Benefit has previously been paid, the amount payable shall be the remaining balance calculated by deducting the amount already paid from the total insured amount for Death and Permanent Disability.

• Injuries resulting from intentional misconduct by the Policyholder, the Insured (the person covered by this insurance), or the Beneficiary
• Injuries arising from mutual combat, suicide or attempted suicide, or participation in a criminal act
• Injuries arising from accidents occurring while operating a vehicle without a driver's license, while under the influence of alcohol, or while under the influence of narcotics or other controlled substances
• Injuries resulting from brain disease, illness, or mental incompetence / insanity
• Injuries resulting from medical treatments including pregnancy, childbirth, miscarriage, or surgical procedures (except where such treatment is administered for an injury covered under this policy)
• Injuries resulting from earthquakes, volcanic eruptions, or tsunamis caused thereby
• Injuries resulting from war, civil war, insurrection, rebellion, or riots (Note)
• Injuries resulting from the hazardous properties of nuclear fuel materials or contamination by radioactive materials
• Injuries sustained while engaging in hazardous activities, including mountain climbing requiring specialized gear (such as ice axes), operating an aircraft outside the scope of duty, bobsledding, skydiving, or hang gliding (Subject to an additional premium if coverage
  is provided)
• Injuries incurred during competitions, test-driving, or free runs on racetracks using motor vehicles or other passenger conveyances
• Symptoms or conditions including whiplash or lumbalgia that lack objective medical evidence / findings

Note: Since the Special Clause Modifying the War Risk Exclusion is endorsed hereto, injuries caused by acts of terrorism shall be exempted from the exclusion.

In the event that the Insured suffers a bodily injury caused by a sudden and accidental event during the covered trip within Japan, resulting in permanent disability within 180 days counting from and including the date of the accident.

An amount ranging from 3% to 100% of the insured amount for Death and Permanent Disability shall be paid according to the severity of the permanent disability.

Note: The aggregate amount payable throughout the policy period (contract period) shall not exceed the insured amount for Death and Permanent Disability.

In the event that the Insured suffers a bodily injury caused by a sudden and accidental event during the covered trip within Japan, is rendered unable to engage in normal business or daily living, and is hospitalized within 180 days counting from and including the date of the accident.

The Daily Hospitalization Benefit shall be paid per day for the actual number of days hospitalized, limited to a maximum of 180 days counting from and including the date of the accident. In addition, if the Insured sustains a new injury resulting from a separate accidental event during a period for which Hospitalization Benefits are payable, Hospitalization Benefits shall not be paid in duplicate.

In the event that the Insured suffers a bodily injury caused by a sudden and accidental event during the covered trip within Japan, is entitled to the Hospitalization Benefit specified above, and undergoes a designated surgical operation at a hospital or clinic for treatment thereof within 180 days counting from and including the date of the accident.

An amount equal to 10, 20, or 40 times the Daily Hospitalization Benefit shall be paid according to the classification of the surgical operation (limited to one surgery per accident performed within 180 days counting from and including the date of the accident).

In the event that the Insured suffers a bodily injury caused by a sudden and accidental event during the covered trip within Japan, experiences an impairment in engaging in normal business or daily living, and receives outpatient medical treatment (including doctor house calls) within 180 days counting from and including the date of the accident.

Note: Payments shall not be made duplicated with the Hospitalization Benefit. In addition, if the Insured sustains a new injury resulting from a separate accidental event during a period for which Outpatient Benefits are payable, Outpatient Benefits shall not be paid in duplicate.

The Daily Outpatient Benefit shall be paid per day for the actual number of days of outpatient visits, limited to a maximum of 90 days of treatment provided within 180 days counting from and including the date of the accident. In addition, no benefits shall be paid for outpatient treatment incurred after the Insured has recovered to the degree that normal business or daily living is not impaired.

Note: Payments shall not be made duplicated with the Hospitalization Benefit. In addition, if the Insured sustains a new injury resulting from a separate accidental event during a period for which Outpatient Benefits are payable, Outpatient Benefits shall not be paid in duplicate.

In the event that the Insured incurs legal liability for damages as a result of causing bodily injury to a third party or damaging third-party property due to a sudden and accidental event during the covered trip within Japan, and thereby sustains loss.

The amount of damages payable per accident shall be limited to the insured amount for Personal Liability. Furthermore, litigation costs, expenses incurred for preventing or mitigating damage, and emergency response expenses may also be paid subject to applicable policy conditions.

Note 1: Prior consultation with the Company is required before acknowledging all or any portion of legal liability for damages.
Note 2: In the event of other duplicate insurance contracts, the benefit amount payable shall be apportioned on a pro-rata basis.

• Legal liability for damages resulting from intentional misconduct by the Policyholder or the Insured (the person covered by this insurance)
• Legal liability for damages arising directly out of the execution of occupational or professional duties (work-related legal liability)
• Legal liability for loss of or damage to property held in care, custody, or control (except for damages caused to guest rooms in lodging facilities)
• Legal liability arising out of the ownership, maintenance, operation, or use of motor vehicles (including go-karts and rental cars), motorized bicycles, aircraft, watercraft (including motorboats), or firearms (excluding air pistols/air rifles)
• Legal liability for damages to cohabiting relatives or relatives accompanying the same travel itinerary, etc.

In the event that the aircraft or vessel boarded by the Insured goes missing or is involved in a distress situation during the covered trip within Japan. In the event that it is confirmed by the police or public authorities that emergency search and rescue activities are necessary as a result of an accident.

In the event that the Insured, due to bodily injury caused by an accidental event, dies within 180 days counting from and including the date of the accident (including immediate death) or is hospitalized continuously for 14 days or longer.

The Insurer shall pay the following expenses borne by the Policyholder, the Insured (the person covered by this insurance), or relatives of the Insured. Provided, however, that the maximum amount payable throughout the policy period shall not exceed the insured amount for Rescuer Expenses.

• Expenses for search and rescue operations (excluding expenses arising from distress incurred during the course of mountain climbing utilizing climbing gear, including but not limited to ice axes)
• Transportation expenses incurred to travel to the site (equivalent to one round-trip fare for a maximum of two rescuers)
• Accommodation expenses incurred at the location (limited to a maximum of 14 days per person, for no more than two rescuers)
• Expenses for transportation / repatriation from the site to the Insured's residence or medical facility
• Miscellaneous expenses (subject to a maximum limit of 30,000 yen)

Note: In the event of other duplicate insurance contracts, the benefit amount payable shall be apportioned on a pro-rata basis.

• Accidents resulting from intentional misconduct by the Policyholder, the Insured (the person covered by this insurance), or the Beneficiary
• Accidents arising from mutual altercation, suicide, attempted suicide, or commission of criminal acts
• Accidents arising from operating a vehicle without a driver's license, while under the influence of alcohol, or while under the influence of narcotics or other controlled substances
• Accidents arising while engaging in hazardous activities, including mountain climbing requiring specialized gear (such as ice axes), operating an aircraft outside the scope of duty, bobsledding, skydiving, or hang gliding (Subject to an additional premium if coverage is provided)
• Accidents arising while participating in races or competitions, performing test drives, or engaging in open track sessions on circuit grounds using motor vehicles or other conveyances, or other similar circumstances