Chapter 1 Payment of Compensation, etc.
(Our liability for payment)
Article 1If a Traveler participating in an Organized Tour organized by our company suffers bodily injury due to a sudden and fortuitous extraneous accident (hereinafter referred to as an "Accident") during the Organized Tour, our company will pay to the Traveler or his/her legal heir compensation for death, compensation for permanent disability, solatium for hospitalization and solatium for medical visits (hereinafter referred to as "Compensation, etc.") in accordance with the provisions of this Chapter to Chapter 4.
2. The injury referred to in the preceding paragraph includes sudden poisoning symptoms caused by accidentally inhaling, absorbing or ingesting toxic gases or substances from outside the body all at once (excluding poisoning symptoms caused by continuous inhalation, absorption or ingestion), but does not include bacterial food poisoning.
(Definition of terms)
Article 2 In these regulations, "Packaged Tour" means what is defined in Article 2, Paragraph 1 of the Subscription-Type Package Tour Contract section of the Standard Travel Agency Terms and Conditions and Article 2, Paragraph 1 of the Order-Taking Package Tour Contract section.
2 In these regulations, "participating in an Organized Tour" means the period from when the Traveler begins to receive the first service of transportation, accommodation facilities, etc. specified in the Organized Tour itinerary, which is provided by the Tickets, etc. arranged in advance by our company for the purpose of participating in the Organized Tour, to when the Traveler completes receiving the last service of transportation, accommodation facilities, etc. However, if the Traveler leaves the predetermined itinerary of the Organized Tour and has notified our company in advance of the scheduled dates and times of departure and return, the period from the time of departure to the scheduled time of return will be considered to be "participating in an Organized Tour," and if the Traveler leaves without notifying our company in advance of the scheduled dates and times of departure and return or leaves without any plans to return, the period from the time of departure to the time of return or from the time of departure onwards will not be considered to be "participating in an Organized Tour." Furthermore, if the itinerary of the packaged tour specifies a day (based on the standard time of the travel location) on which the traveler will not receive any services such as transportation or accommodation arranged by our company, and if this is clearly stated in the contract document and that no compensation or solatium will be paid pursuant to these regulations for damages suffered by the traveler as a result of an accident occurring on that day, that day will not be considered to be "during participation in the packaged tour."
3. The "time when you start receiving the provision of the services" in the preceding paragraph means any of the following times:
(1) When the tour conductor, an employee or a representative of our company is in charge of the reception, the time of completion of the reception.
(2) In the event that the reception described in the preceding paragraph is not made, the first transportation or accommodation facility, etc.
(a) In the case of an aircraft, upon completion of baggage inspection, etc. within the airport premises, which is accessible only to passengers.
(b) In the case of a ship, upon completion of boarding procedures.
(c) In the case of a railway, when the ticket gates are closed, or when boarding the train if there are no ticket gates.
(d) If it is a vehicle, when boarding
(e) In the case of an accommodation facility, at the time of admission to said facility.
(f) In the case of a facility other than an accommodation facility, the date of departure will be the completion of the usage procedures for that facility.
4. The term "when the provision of the services is completed" in paragraph 2 means any of the following times:
(1) When the tour conductor, an employee or agent of our company announces the disbandment, the time of such announcement.
(2) In the event that the notice of dissolution as set forth in the preceding paragraph is not given, the last transportation or accommodation facility, etc.
(a) In the case of an aircraft, when exiting the airport premises where only passengers are allowed to enter.
(b) If it is a ship, when disembarking
(c) In the case of a railway, when the ticket gates are closed, or when the passenger gets off the train if there are no ticket gates.
(d) If it is a vehicle, when getting off
(e) In the case of an accommodation facility, when leaving the facility.
(f) If the facility is other than an accommodation facility, the departure date shall be the time of leaving the facility.
Chapter 2: Cases where compensation, etc. is not paid
(Cases where compensation, etc. is not paid - Part 1)
Article 3: The Company shall not pay compensation for injuries caused by any of the following reasons:
(1) Intentional misconduct on the part of the Traveler. However, this does not apply to injuries suffered by persons other than the Traveler.
(2) The willful misconduct of a person who is to receive compensation for the death of another person. However, if that person is the recipient of part of the compensation for the death of another person, this does not apply to the amount that is to be received by that other person.
(3) Suicidal, criminal or combative acts by the Traveler. However, this does not apply to injuries suffered by persons other than the Traveler.
(4) An accident occurring while the Traveler was driving a motor vehicle or a moped without the legally required driving qualifications or while intoxicated and in a state where he or she was likely unable to drive normally. However, this does not apply to injuries suffered by persons other than the Traveler.
(5) An accident that occurred while the traveler was intentionally committing an act that violated laws and regulations or while receiving services that violated laws and regulations. However, this does not apply to injuries suffered by persons other than the traveler in question.
(6) Brain disease, illness, or insanity of the Traveler. However, this does not apply to injuries suffered by persons other than the Traveler.
(7) The Traveler's pregnancy, childbirth, premature birth, miscarriage, or surgery or other medical treatment, except in the case of treatment for an injury for which our company is responsible.
(8) An accident that occurs during the execution of a sentence, detention, or imprisonment of a traveler.
(9) War, the use of military force by a foreign country, revolution, seizure of power, civil war, armed rebellion, or other similar incidents or riots (in these regulations, this refers to a situation in which the peace is significantly disturbed throughout the country or in a specific area due to the actions of a crowd or a large number of people, and which is deemed to be a serious situation in terms of maintaining public order).
(10) Radioactive, explosive or other harmful properties of nuclear fuel material (including spent fuel; the same applies hereinafter) or material contaminated by nuclear fuel material (including atomic fission products), or an accident caused by these properties.
(11) Accidents arising from the causes set forth in the preceding two items or accidents arising from the disorder associated with them.
(12) Radiation exposure or radioactive contamination other than that in item 10
2 Regardless of the cause, the Company will not pay compensation for cervical syndrome (commonly known as "whiplash") or lower back pain where there are no objective symptoms.
(Cases where compensation, etc. is not paid - Part 2)
Article 4 In the case of an Organized Tour for the purpose of Domestic Travel, in addition to the cases provided for in the preceding Article, our company shall not pay Compensation, Etc. for injuries caused by any of the causes listed in the following items:
(1) Earthquakes, eruptions, or tsunamis
(2) Accidents that occur as a result of the events in the preceding paragraph or accidents that occur as a result of the disorder that accompanies these events.
(Cases where compensation, etc. is not paid - Part 3)
Article 5 : Our company will not pay Compensation, etc. for injuries listed in the following items unless the acts in each item are included in the itinerary of the Organized Tour determined in advance by our company. However, if the acts in each item are included in the itinerary, we will also pay Compensation, etc. for injuries caused by the same type of act while participating in the Organized Tour outside the itinerary.
(1) Injury caused while the traveler was engaged in the exercise specified in Schedule 1
(2) Injuries caused while the Traveler was engaged in a race, competition, or show (all of which include practice) or test run (meaning driving or operation for the purpose of a performance test) with an automobile, motorized bicycle, or motorboat. However, Compensation, etc. will be paid for injuries caused while engaging in these activities on the road with an automobile or motorized bicycle, even if they are not included in the itinerary of the Organized Tour.
(3) Injuries caused while a traveler is operating an aircraft other than one operated by an air carrier on a fixed route (regardless of whether it is a scheduled flight or a non-scheduled flight).
(Cases where compensation, etc. is not paid - Part 4)
Article 5-2 If the Traveler or the person entitled to receive the death compensation falls under any of the following items, our company may not pay the Compensation, etc. However, if that person is the recipient of part of the death compensation, this shall not apply to the amount that other persons are to receive.
(1) Being recognized as belonging to an organized crime group, a member of an organized crime group, a quasi-member of an organized crime group, a company related to an organized crime group, or other anti-social forces (hereinafter referred to as "anti-social forces").
(2) It is recognized that the person is involved in providing funds or convenience to anti-social forces.
(3) It is deemed that anti-social forces are being used unfairly.
(4) It is recognized that the person has other socially reprehensible relationships with anti-social forces.
Chapter 3 Types of Compensation and Payment Amounts
(Payment of compensation for death)
Article 6If a Traveler suffers an injury as referred to in Article 1 and dies as a direct result thereof within 180 days from the date of the Accident, our company will pay to the Traveler's legal heirs as compensation for death 25 million yen per Traveler in the case of an Organized Tour intended for Overseas Travel, or 15 million yen in the case of an Organized Tour intended for Domestic Travel (hereinafter referred to as the "Amount of Compensation"). However, if compensation for permanent disability has already been paid for the Traveler, we will pay the remainder after deducting the amount already paid from the Amount of Compensation.
(Payment of compensation for residual disability)
Article 7 If a Traveler has suffered an injury referred to in Article 1 and, as a direct result thereof, has developed a permanent disability (meaning a serious impairment of a function or loss of a part of the body that remains in the body and cannot be recovered in the future, even after the injury that caused it has healed; the same applies hereinafter), the Company will pay to the Traveler compensation for a permanent disability in an amount calculated by multiplying the amount of compensation by the percentage specified in the respective items of Schedule 2 per Traveler.
2 Notwithstanding the provisions of the preceding Paragraph, if the Traveler is still in a condition requiring treatment more than 180 days after the date of the Accident, we will determine the degree of the residual disability based on a doctor's diagnosis on the 181st day after the date of the Accident and pay compensation for the residual disability.
3 For residual disabilities not listed in any of the items in Schedule 2, the amount of compensation for residual disabilities will be determined according to the degree of the physical disability and in accordance with the classification of each item in Schedule 2, regardless of the Traveler's occupation, age, social status, etc. However, compensation for residual disabilities will not be paid for disabilities that do not amount to functional disabilities listed in Schedule 2, 1(3), 1(4), 2(3), 4(4) and 5(2).
4. In the event that two or more types of residual disabilities are caused by the same accident, the Company shall apply the preceding three paragraphs to each of them and pay the total amount. However, for residual disabilities of the upper limbs (arms and hands) or lower limbs (legs and feet) as stipulated in 7, 8 and 9 of Schedule 2, the compensation for residual disabilities per limb shall be limited to 60% of the compensation amount.
5. The amount of compensation for permanent disability that we must pay pursuant to the preceding paragraphs shall be limited to the amount of compensation per traveler per package tour.
(Payment of hospitalization benefits)
Article 8 If a Traveler has suffered an injury referred to in Article 1 and, as a direct result, has been unable to engage in normal work or lead a normal life and has been hospitalized (meaning a case in which medical treatment by a doctor is required and, because treatment at home or elsewhere is difficult, the Traveler is admitted to a hospital or clinic and must concentrate on treatment under the constant supervision of a doctor; the same applies hereinafter in this Article), the Company will pay to the Traveler a solatium for hospitalization for the number of days (hereinafter referred to as "Days of Hospitalization") in accordance with the following classification:
(1) In the case of package tours for overseas travel
(a) When the injury requires hospitalization for 180 days or more. 400,000 yen
(b) When the injury results in hospitalization for 90 days or more but less than 180 days. 200,000 yen
(c) When the injury results in hospitalization for 7 days or more but less than 90 days. 100,000 yen
(2) When the injury results in hospitalization for less than seven days. 40,000 yen
(2) In the case of package tours for domestic travel
(a) When the injury requires hospitalization for 180 days or more. 200,000 yen
(b) When the injury results in hospitalization for 90 days or more but less than 180 days. 100,000 yen
(c) When the injury results in hospitalization for 7 days or more but less than 90 days. 50,000 yen
(2) When the injury results in hospitalization for less than seven days. 20,000 yen
2 Even if the Traveler is not hospitalized, if he/she falls under any of the items in Schedule 3 and has received medical treatment from a doctor, the period during which he/she is in that condition will be deemed to be the number of days of hospitalization for the purposes of applying the provisions of the preceding paragraph.
3 If we are required to pay both a solatium for hospitalization and compensation for death, or a solatium for hospitalization and compensation for permanent disability, for one Traveler, we will pay the total amount.
(Payment of medical expenses)
Article 9 If a Traveler has suffered an injury referred to in Article 1 and, as a direct result of it, has been prevented from engaging in normal business or living a normal life and has had to visit a hospital (meaning, in cases where medical treatment by a doctor is necessary, going to a hospital or clinic to receive medical treatment from a doctor (including house calls); the same applies hereinafter in this Article), and the number of such days (hereinafter referred to as the "Number of Days of Hospital Visits") amounts to 3 days or more, the Company will pay to the Traveler a solatium for hospital visits in accordance with the following classification:
(1) In the case of package tours for overseas travel
(a) When the injury requires more than 90 days of hospital treatment. 100,000 yen
(b) When the injury requires hospital treatment for 7 days or more but less than 90 days. 50,000 yen
(c) When the injury requires hospital treatment for 3 to 7 days. 20,000 yen
(2) In the case of package tours for domestic travel
(a) When the injury requires more than 90 days of hospital treatment. 50,000 yen
(b) When the injury requires hospital treatment for 7 days or more but less than 90 days. 25,000 yen
(c) When the injury requires hospital treatment for 3 to 7 days. 10,000 yen
2 Even if the Traveler does not visit a hospital, if we determine that the Traveler has been required to wear a cast, etc. at all times at the direction of a doctor to immobilize the part of the body suffering from an injury such as a fracture, and as a result has caused significant interference with his or her ability to engage in normal business or lead a normal life, the period during which he or she has been in that condition will be deemed to be the number of days of hospital visits for the purposes of applying the provisions of the preceding paragraph.
3. The Company will not pay any medical ex-gratia payments for medical visits after the injury has healed to the extent that it does not interfere with the employee's normal work or normal life.
4. Under no circumstances will the Company pay any medical expenses for medical treatment that occurs more than 180 days after the date of the accident.
5 If we are required to pay both a solatium for medical treatment and compensation for death, or a solatium for medical treatment and compensation for permanent disability, for one traveler, we will pay the total amount.
(Special provisions regarding the payment of hospitalization and outpatient benefits)
Article 10 Notwithstanding the provisions of the preceding two Articles, if the Number of Days of Hospitalization and the Number of Days of Hospital Visits per Traveler each reaches one day or more, our company will pay only the greater of the solatium amounts mentioned in the following Items (if the amounts are the same, the amount mentioned in Item 1):
(1) Hospitalization ex-gratia payment to be paid by the Company for the number of days of hospitalization in question
(2) The number of days of hospitalization plus the number of days of outpatient treatment (excluding those during the period for which the Company is to pay hospitalization ex-gratia payments) shall be deemed to be the number of days of outpatient treatment, and the number of days of hospitalization shall be the number of days for which the Company is to pay hospitalization ex-gratia payments.
(Presumption of death)
Article 11 If a Traveler has not been found within 30 days since the aircraft or ship on which he/she was boarding went missing or was in distress, he/she will be presumed to have died from the injury referred to in Article 1 on the day the aircraft or ship went missing or was in distress.
(Effects of other physical disabilities or illnesses)
Article 12 If the injury referred to in Article 1 has become serious due to the effects of a physical disability or illness that was already present at the time the Traveler suffered the injury, or due to the effects of an injury or illness that occurred after the Traveler suffered the injury, independently of the Accident that caused it, we will determine and pay the amount equivalent to what it would have been if such effects had not occurred.
Chapter 4: Accidents and Procedures for Claiming Compensation, etc.
(Request for explanation, etc. regarding the extent of injury, etc.)
Article 13 If a Traveler has suffered an injury referred to in Article 1, we may request the Traveler or the person entitled to receive compensation for death to explain the extent of the injury and a summary of the Accident which caused it, or we may request that the Traveler be examined by a medical examiner or that the body be examined. In this case, the Traveler or the person entitled to receive compensation for death must cooperate with these requests.
2 If a Traveler or a person entitled to receive compensation for death has suffered an injury referred to in Article 1 due to causes beyond the knowledge of our company, he/she must report to our company the extent of the injury, a summary of the Accident which caused it, etc. within 30 days from the date of the Accident.
3 If the traveler or the person entitled to receive compensation for death has violated the provisions of the preceding two paragraphs without a justifiable reason recognized by our company, or has failed to disclose facts known to him/her or has made a false statement in his/her explanation or report, our company will not pay compensation, etc.
(Claims for compensation, etc.)
Article 14 If a Traveler or a person entitled to receive compensation for death wishes to receive payment of Compensation, Etc., he/she must submit to the Company a Claim Form for Compensation, Etc., prescribed by the Company, along with the following documents:
(1) In the case of a claim for compensation for death
A copy of the traveler's family register and the legal heir's family register and seal certificate
(b) Accident certificate issued by a public institution (or, in unavoidable circumstances, a third party)
(c) The traveler's death certificate or postmortem certificate
(2) In the case of a claim for compensation for a permanent disability
B. Traveler's seal certificate
(b) Accident certificate issued by a public institution (or, in unavoidable circumstances, a third party)
(c) A doctor's certificate certifying the degree of residual disability
(3) In the case of claiming hospitalization benefits
A certificate of the accident issued by a public institution (or, in unavoidable circumstances, a third party)
(b) A doctor's certificate certifying the extent of the injury
C. A certificate from a hospital or clinic stating the number of days of hospitalization or outpatient treatment
(4) In the case of claiming medical treatment ex-gratia payments
A certificate of the accident issued by a public institution (or, in unavoidable circumstances, a third party)
(b) A doctor's certificate certifying the extent of the injury
C. A certificate from a hospital or clinic stating the number of days of hospitalization or outpatient treatment
2. We may request the submission of documents other than those set forth in the preceding paragraph or permit the omission of some of the documents to be submitted.
3 If the traveler or the person entitled to receive compensation for death has violated the provisions of Paragraph 1 or has failed to disclose known facts or has made a false statement in the documents submitted, we will not pay Compensation, Etc.
(subrogation)
Article 15 Even if the Company has paid Compensation, Etc., any right that the Traveler or his/her heirs have against a third party for damages in respect of an injury suffered by the Traveler will not be transferred to the Company.
Chapter 5: Personal Effects Damage Compensation
(Our liability for payment)
Article 16 If a Traveler participating in an Organized Tour operated by our Company suffers damage to his/her personal belongings (hereinafter referred to as "Goods for Compensation") due to an accident that occurred while he/she was participating in the Organized Tour, our company will pay compensation for damage to personal belongings (hereinafter referred to as "Compensation for Damage") in accordance with the provisions of this Chapter.
(Cases where compensation for damages is not paid - Part 1)
Article 17 The Company shall not pay compensation for damages caused by any of the following reasons:
(1) The Traveler's willful misconduct. However, this does not apply to damages suffered by persons other than the Traveler.
(2) Intentional acts by a relative living in the same household as the traveler. However, this does not apply if the intention was not to have the traveler receive compensation for damages.
(3) Suicidal, criminal or combative acts by the Traveler. However, this does not apply to damages suffered by persons other than the Traveler.
(4) An accident occurring while the Traveler was driving a car or a motorized bicycle without the legally required driving qualifications or while intoxicated and in a state where he or she was likely unable to drive normally. However, this does not apply to damages suffered by persons other than the Traveler.
(5) An accident that occurred while the traveler was intentionally committing an act that violated laws and regulations or while receiving services that violated laws and regulations. However, this does not apply to damages suffered by persons other than the traveler in question.
(6) The exercise of public authority by a state or public body, such as seizure, requisition, confiscation, or destruction, except when such action is taken as a necessary measure for fire prevention or evacuation.
(7) Defects in the Compensated Goods, except for defects that could not have been discovered by the Traveler or the person managing the Compensated Goods on his/her behalf with reasonable care.
(8) Natural wear and tear, rust, mold, discoloration, rodent damage, insect damage, etc. of the insured items.
(9) Damage that is merely cosmetic and does not impair the functionality of the insured item.
(10) Spillage of liquid that is a covered item, except for any resulting damage to other covered items.
(11) Leaving or losing items covered by compensation
(12) Any of the reasons set forth in Article 3, Paragraph 1, Items 9 to 12.
2 In the case of an Organized Tour for the purpose of Domestic Travel, in addition to the provisions of the preceding paragraph, we will not pay Compensation for Damages caused by any of the following reasons:
(1) Earthquakes, eruptions, or tsunamis
(2) Accidents that occur as a result of the events in the preceding paragraph or accidents that occur as a result of the disorder that accompanies these events.
(Cases where compensation for damages is not paid - Part 2)
Article 17-2.The Company may not pay Compensation for Damage if the Traveler falls under any of the following cases:
(1) Being recognized as belonging to anti-social forces.
(2) It is recognized that the person is involved in providing funds or convenience to anti-social forces.
(3) It is deemed that anti-social forces are being used unfairly.
(4) In the case of a corporation, it is recognized that anti-social forces control the corporation or are substantially involved in the management of the corporation.
(5) Any other relationship that is deemed to be socially reprehensible with anti-social forces.
(Products covered by compensation and their scope)
Article 18 Items eligible for compensation are limited to personal belongings that the Traveler carries with him/her while participating in the Organized Tour.
2. Notwithstanding the provisions of the preceding paragraph, the following items are not included in the items eligible for compensation:
(1) Cash, checks, other securities, revenue stamps, postage stamps, and other similar items
(2) Credit cards, coupons, airline tickets, passports, and other similar items
(3) Manuscripts, blueprints, drawings, ledgers, and other similar items (including those recorded on recording media that can be directly processed by information devices (computers and their peripheral devices, such as magnetic tapes, magnetic disks, CD-ROMs, and optical disks)).
(4) Vessels (including yachts, motorboats and boats), automobiles, motorized bicycles and their accessories.
(5) Mountain climbing equipment, exploration equipment, and other similar items
(6) Dentures, artificial limbs, contact lenses, and other similar items
(7) Animals and plants
(8) Other matters designated in advance by the Company
(Amount of damages and amount of compensation for damages paid)
Article 19 The amount of damages for which the Company shall pay compensation for damages (hereinafter referred to as "Amount of Damages") shall be the value of the Compensated Goods at the place and time when the damage occurred or the amount necessary to restore the Compensated Goods to their condition immediately before the occurrence of the damage.
The standard amount will be the total of the necessary repair costs and the expenses set forth in Paragraph 3 of the following Article, whichever is lower.
2 If the amount of damage to one or a pair of Compensated Goods exceeds 100,000 yen, the Company shall deem the amount of damage to be 100,000 yen and apply the provisions of the preceding paragraph.
3 The amount of Compensation for Damages to be paid by our company shall be limited to 150,000 yen per traveler per package tour. However, if the amount of damages does not exceed 3,000 yen per traveler per accident, our company will not pay Compensation for Damages.
(Prevention of damage, etc.)
Article 20 If a Traveler becomes aware that damage as provided for in Article 16 has occurred to Goods for Compensation, he/she must perform the following:
(1) Make efforts to prevent and mitigate damage.
(2) Notify us without delay of the extent of the damage, a summary of the accident that caused it, and whether or not the traveler has an insurance contract for the items covered by the compensation that were damaged.
(3) If the traveler is entitled to receive compensation for damages from another person, he/she shall take the necessary procedures to exercise that right.
2 If the Traveler has violated Item 1 of the preceding Paragraph without a justifiable reason, we will deem the amount of damages to be the remainder after deducting the amount that is considered to have been prevented or mitigated; if the Traveler has violated Item 2 of the same Paragraph, we will not pay any Compensation for Damage; and if the Traveler has violated Item 3 of the same Paragraph, we will deem the amount of damages to be the remainder after deducting the amount that is considered to have been received by exercising the right that he or she should have obtained.
3. We will pay the following expenses:
(1) Expenses incurred to prevent or mitigate damages as set forth in Paragraph 1, Item 1, that the Company deems necessary or beneficial.
(2) Expenses necessary for the procedures set forth in paragraph 1, item 3.
(Claims for compensation for damages)
Article 21 If a Traveler wishes to receive payment of Compensation for Damage, he/she must submit to the Company a Claim Form for Compensation for Damage specified by the Company and the following documents:
(1) An accident certificate issued by a police station or a third party acting in its place
(2) Documents proving the extent of damage to the item covered by the compensation.
(3) Other documents requested by our company
2 If the traveler violates the provisions of the preceding paragraph or intentionally makes false representations in the documents submitted, or forges or alters said documents (the same applies if the traveler has a third party do so), we will not pay compensation for damages.
(If you have an insurance contract)
Article 22 If there is an insurance contract under which insurance payments should be made for damages referred to in Article 16, the Company may reduce the amount of compensation for damages that the Company should pay.
(subrogation)
Article 23 If the Traveler has a right to claim compensation for damages against a third party in respect of damage for which our Company should pay Compensation for Damage, that right to claim compensation for damages will be transferred to our Company within the limit of the amount of Compensation for Damage that we have paid to the Traveler.
Schedule 1 (Article 5, item 1)
Mountain climbing (using climbing equipment such as ice axes, crampons, ropes, hammers, etc.), luge, bobsleigh, skydiving, hang gliding, flying ultralight aircraft (motor hang gliders, microlight aircraft, ultralight aircraft, etc.), flying gyroplanes, and other similar dangerous sports.
Schedule 2 (Article 7, Paragraphs 1, 3 and 4)
|
1. Eye disorders (1) When both eyes are blind. (2) When one eye becomes blind. (3) When the corrected visual acuity of one eye becomes 0.6 or less. (4) When the visual field of one eye is constricted (meaning when the total angle of the normal visual field is reduced to 60% or less). 2. Ear disorders (1) When you have completely lost hearing in both ears. (2) When you have completely lost hearing in one ear. (3) When the hearing in one ear is such that normal speech cannot be heard at a distance of 50 centimeters or more. 3 Nasal disorders When significant impairment of nasal function remains. 4. Chewing and speech disorders (1) When the function of chewing or speech is completely lost. (2) When significant impairment of chewing or speech function remains. (3) When it leaves behind impairments in chewing or speech function. (4) When five or more teeth are missing. 5. Disfigurement of the appearance (face, head, and neck) (1) When it leaves a significant disfigurement on the appearance. (2) When it leaves a disfiguring mark on the face (on the face, this means a scar of about 2 centimeters in diameter or a linear scar of about 3 centimeters in length). 6. Spinal disorders (1) When a significant deformity or significant movement disorder remains in the spine. (2) When movement disorders remain in the spine. (3) When it leaves a deformity in the spine. 7. Disorders of the arms (above the wrist) and legs (above the ankle) (1) When you lose an arm or a leg. (2) When the function of two or three of the three major joints in an arm or leg is completely lost. (3) When the function of one of the three major joints in an arm or leg is completely lost. (4) When the function of one arm or leg is impaired. 8. Hand and finger disorders (1) When the thumb of one hand is lost above the knuckle (interphalangeal joint). (2) When the function of the thumb of one hand is significantly impaired. (3) When a finger other than the thumb is lost at or above the second knuckle (distal interphalangeal joint). (4) When the function of a finger other than the thumb is significantly impaired. 9. Toe disorders (1) When the first toe of one foot is lost above the toe joint (interphalangeal joint). (2) When the function of the big toe of one foot is significantly impaired. (3) When a toe other than the first toe is lost at or above the second toe joint (distal interphalangeal joint). (4) When significant impairment remains in the function of a toe other than the big toe. 10. When the insured person is unable to provide for his/her own life due to a serious physical disability. |
100% 60% 5% 5% 80% 30% 5% 20%
100% 35% 15% 5%
15% 3%
40% 30% 15%
60% 50%
35%
5% 20% 15% 8% 5% 10% 8% 5% 3% 100% |
|
Note: In the provisions of items 7, 8, and 9, "above" refers to the part closer to the heart than the joint in question. |
|
Schedule 3 (related to Article 8, Paragraph 2)
(1) Corrected visual acuity in both eyes is 0.06 or less.
(2) Loss of chewing or speech function.
(3) Hearing loss in both ears.
(4) Loss of function of all joints above the wrists in both upper limbs.
(5) Loss of function of one lower limb.
(6) Due to damage to the thoracic and abdominal organs, physical freedom is limited mainly to daily activities such as eating and washing.
(7) Due to a nervous system or mental disorder, physical freedom is limited mainly to daily activities such as eating and washing.
(8) Due to other complications in the above areas, the person's physical freedom is limited mainly to daily activities such as eating, washing, etc.
(Note) In the provision of No. 4, "above" refers to the part closer to the heart than the joint in question.