{"id":133601,"date":"2024-09-18T12:01:21","date_gmt":"2024-09-18T03:01:21","guid":{"rendered":"https:\/\/gogonihon.com\/?page_id=133601"},"modified":"2025-08-28T17:05:48","modified_gmt":"2025-08-28T08:05:48","slug":"studytrip-insurance-japan","status":"publish","type":"page","link":"https:\/\/gogonihon.com\/en\/studytrip-insurance-japan\/","title":{"rendered":"Studytrip Insurance japan"},"content":{"rendered":"\t\t
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Insurance \u2013 Japan<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We use Envisage Global Insurance to cover our students during their study trip. All details below refer to the Envisage and Tokio Marine HCC policy. The insurance covers from one day before the course starts until one day after the course ends. Students have the option to extend coverage for an additional fee. Please note that this coverage is not available to students over 50 years old. Insurance details will be sent to students before arriving in Japan. If you are unsure of any of the details, then please get in touch.<\/p>

For claims and any questions regarding the insurance, students are required to directly contact the insurance company.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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HEALTH INSURANCE COVERAGE DETAILS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\n\nOverall Maximum Limit and Maximum per Injury\/ Illness\n\n<\/div>\n<\/div><\/td>\n
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\n\n$3,000,000\n\n<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nDeductible\n\n<\/div>\n<\/div><\/td>\n
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$0 per certificate period<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nCoinsurance\n\n<\/div>\n<\/div><\/td>\n
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We will pay 100% of eligible expenses after the deductible up to the overall maximum limit.<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nHospital Room & Board\n\n<\/div>\n<\/div><\/td>\n
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Average semi-private room rate, including nursing services<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nIntensive Care Unit\n\n<\/div>\n<\/div><\/td>\n
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Up to the overall maximum limit<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nLocal Ambulance\n\n<\/div>\n<\/div><\/td>\n
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Usual, reasonable and customary charges for covered illness or injury. Illness must result in hospitalization as inpatient.<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nOutpatient Physical Therapy and Chiropractic Care\n\n<\/div>\n<\/div><\/td>\n
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Up to $50 maximum per day. Must be ordered in advance by a physician. $1,500 certificate maximum – not subject to coinsurance<\/div>\n<\/div><\/td>\n<\/tr>\n\n
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\n\nDental Treatment due to Accident\n\n<\/div>\n<\/div><\/td>\n
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Up to $500<\/div>\n<\/div><\/td>\n<\/tr>\n\n
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\n\nEmergency Dental (Acute Onset of Pain)\n\n<\/div>\n<\/div><\/td>\n
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$200<\/div>\n<\/div><\/td>\n<\/tr>\n\n
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\n\nSports Coverage\n\n<\/div>\n<\/div><\/td>\n
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“Usual, Reasonable, and Customary charges (Non-contact and non-organized\/non-sanctioned amateur sports or athletic activities not otherwise excluded herein, engaged in by you solely for leisure, recreational, entertainment or fitness purposes)”<\/div>\n<\/div><\/td>\n<\/tr>\n
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\n\nMental health disorders\n\n<\/div>\n<\/div><\/td>\n
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Outpatient: Up to $50 per visit\/$500 certificate.\nInpatient: Up to $20,000<\/div>\n<\/div><\/td>\n<\/tr>\n\n
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\n\nAll other Eligible Medical Expenses\n\n<\/div>\n<\/div><\/td>\n
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Up to the overall maximum limit<\/div>\n<\/div><\/td>\n<\/tr>\n\n\n
Emergency Medical Evacuation\n\u2022 Not subject to Deductible or Overall Maximum Limit<\/td>\nUp to $50,000 lifetime maximum.<\/td>\n<\/tr>\n\n\n\n
Repatriation of Remains\n\u2022 Not subject to Deductible or Coinsurance\n\u2022 This limit is for this benefit only and is not included in or subject to the overall maximum limit<\/td>\nUp to $25,000 lifetime maximum<\/td>\n<\/tr>\n\n
Emergency Reunion\n\u2022 Not subject to Deductible or Coinsurance<\/td>\nUp to $1,000 subject to a maximum 15 day following a covered life-threatening bodily injury or life- threatening illness that results in admission to a hospital intensive care unit.<\/td>\n<\/tr>\n\n\n\n
Trip Interruption *Not subject to Deductible or Coinsurance <\/td>\nUp to $1,500<\/td>\n<\/tr>\n\n\n
Lost Checked Luggage *Not subject to Deductible<\/td>\nUp to $250<\/td>\n<\/tr>\n\n\n
Accidental Death & Dismemberment (Excludes loss due to Common Carrier Accident)\n\u2022 Not subject to Deductible, coinsurance or Overall Maximum Limit<\/td>\nAges 18 and above: Lifetime Maximum – $10,000\nUnder age 18: Lifetime Maximum – $5,000<\/td>\n<\/tr>\n\n\n\n
Personal Liability<\/br>\n**Personal Liability is not subject to Deductible, coinsurance or Overall Maximum Limit<\/td>\n\n
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\nLifetime maximum – $100,000\nThird person injury \u2013 Up to $100,000\nThird person property \u2013 Up to $100,000\nRelated third person property \u2013 Up to $2,500\n<\/div>\n<\/div><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Plan Exclusions<\/strong><\/p>

  1. Pre-existing Conditions.<\/li>
  2. Birth defects and congenital illnesses. Birth defects are deemed to include hereditary conditions.<\/li>
  3. Pregnancy except as covered under Complications of Pregnancy, as herein defined, all charges related \u2028to pregnancy after the 26th week of pregnancy, routine prenatal care, child birth, postnatal care, and \u2028charges incurred by a child under the age of 14 days.<\/li>
  4. Termination of pregnancy<\/span><\/li>
  5. Impotency or sexual dysfunction.<\/li>
  6. All sexually transmitted diseases and conditions except for diagnostic testing related to a covered injury or illness.<\/li>
  7. HIV, AIDS, or ARC, and all diseases caused by and\/or related to HIV.<\/li>
  8. All forms of cancer \/ neoplasm.<\/li>
  9. Substance abuse or addiction or conditions that may be attributed to substance abuse or addictions \u2028and direct consequences thereof.<\/li>
  10. Acne, moles, skin tags, diseases of sebaceous glands, seborrhea, sebaceous cyst, hypertrophic and \u2028atrophic conditions of skin, nevus.<\/li>
  11. Sleep apnea or other sleep disorders.<\/li>
  12. Obesity or weight modification, including but not limited to wiring of the teeth and all forms of intestinal \u2028bypass surgery.<\/li>
  13. Intentional self-inflicted injury or illness and\/or suicide or attempted suicide whether sane or insane.<\/li>
  14. Injury sustained that is due wholly or partially to the effects of intoxication or drugs other than drugs taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse.<\/li>
  15. Injury sustained while operating any motorized vehicle, aircraft or watercraft whether registered or not while under the influence of alcohol as defined under the law of the jurisdiction where the injury occurs or with a .08 Blood Alcohol Content (BAC), whichever is lower.<\/li>
  16. Routine medical examinations, including but not limited to vaccinations, immunizations, annual check-ups, the issue of medical certificates and attestations, and examinations as to the suitability of employment or travel.<\/li>
  17. Dental treatment and treatment of the temporomandibular joint, except for emergency dental treatment necessary to replace sound natural teeth lost or damaged in an accident covered hereunder or for the emergency relief of acute onset of pain.<\/li>
  18. Promotion or prevention of conception including but not limited to: artificial insemination, treatment for infertility, sterilization or reversal of sterilization.<\/li>
  19. Organ or tissue transplants or related services.<\/li>
  20. Eye surgery, such as corrective refractory surgery, when the primary purpose is to correct \u2028nearsightedness, farsightedness or astigmatism.<\/li>
  21. Corrective devices and medical appliances, including eyeglasses, contact lenses, hearing aids, hearing implants, eye refraction, visual therapy, and any examination or fitting related to these devices, dentures or dental appliances, and all vision and hearing tests and examinations.<\/li>
  22. Orthopedic shoes, orthopedic prescription devices to be attached to or placed in shoes, treatment of \u2028weak, strained, flat, unstable or unbalanced feet, metatarsalgia or bunions, and treatment of corns, calluses or toenails.<\/li>
  23. Hair loss including wigs, hair transplants or any drug that promises hair growth, whether or not prescribed.<\/li>
  24. Speech, vocational, occupational, biofeedback, acupuncture, recreational, sleep or music therapy, holistic care of any nature, massage and kinesiotherapy.<\/li>
  25. Psychometric, intelligence, competency, behavioral and educational testing.<\/li>
  26. Cosmetic or aesthetic reasons, except for reconstructive surgery when such surgery is directly related \u2028to and follows a surgery which was covered hereunder.<\/li>
  27. Modifications of the physical body intended to improve the psychological, mental or emotional well-being, including but not limited to sex-change surgery.<\/li>
  28. Exercise programs, whether or not prescribed or recommended by a physician.<\/li>
  29. Incurred as a result of exposure to non-medical nuclear radiation and\/or radioactive material(s).<\/li>
  30. Cryo preservation and implantation or re-implantation of living cells.<\/li><\/ol><\/div><\/div><\/div><\/div>
    1. Genetic or predictive testing.<\/li>
    2. Investigational, experimental or for research purposes.<\/li>
    3. While confined primarily to receive custodial care, educational or rehabilitative care, or any medical \u2028treatment in any establishment for the care of the aged, except rehabilitative care received upon direct \u2028transfer from an acute care hospital.<\/li>
    4. Not medically necessary.<\/li>
    5. Not administered by or under the supervision of a physician, and products that can be purchased without a doctor\u2019s prescription.<\/li>
    6. Provided by a relative, family member or any person who ordinarily resides with you.<\/li>
    7. Provided at no cost to you.<\/li>
    8. Failure to keep a scheduled appointment.<\/li>
    9. Payable under any government system, including the Australian Medicare system.<\/li>
    10. Charges exceeding usual, reasonable and customary.<\/li>
    11. Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.<\/li>
    12. Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person\u2019s health when, prior to your effective date, any of the following were issued:
      • a. The United States Centers for Disease Control & Prevention had issued a Warning\/Alert Level 3 or higher for a location or destination, including common carriers; or Benefits are subject to the exclusions and limitations and are payable only at Usual, Reasonable, and Customary charges. This is a summary of a selection of the plan benefits offered only as an illustration and does not supersede in anyway the Certificate of Insurance and governing policy documents(together the \u201cInsurance Contract\u201d). The Insurance Contract is the only source of the actual benefits provided.<\/li>
      • b. The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning\/ Alert Level 3 or higher. This exclusion is applicable when 1) any of the above were in effect within 6 months immediately prior to your effective date or 2) within 10 days following the date the alert\/warning is issued you have failed to depart the country or location. This exclusion does not apply to charges resulting from COVID-19\/SARS-CoV-2.<\/li><\/ul><\/li>
      • War, military action or while on duty as a member of a police or military force unit.<\/li>
      • Travel or accommodations, except as provided for in the Local Ambulance, Emergency Medical Evacuation, Repatriation of Remains, and Emergency Reunion sections of this insurance.<\/li>
      • Incurred outside your certificate period.<\/li>
      • Submitted to us for payment more than 60 days after the last day of the certificate period.<\/li>
      • When departure from the home country is to obtain treatment in the destination country\/countries.<\/li>
      • Complications or consequences of a treatment or condition not covered hereunder.<\/li>
      • Not included as Eligible Expenses as described herein.<\/li><\/ol>

        Please note: this page is a consolidated summary of the plan benefits, the official policy certificate is available in the student zone once becoming a participant of the program, and will be the overriding document for claims adjudication. Any discrepancies between this page and the policy certificate, the policy certificate will override this page.<\/strong><\/p><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

        Insurance \u2013 Japan We use Envisage Global Insurance to cover our students during their study trip. All details below refer to the Envisage and Tokio Marine HCC policy. The insurance covers from one day before the course starts until one day after the course ends. Students have the option to extend coverage for an additional […]<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-133601","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/pages\/133601","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/comments?post=133601"}],"version-history":[{"count":0,"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/pages\/133601\/revisions"}],"wp:attachment":[{"href":"https:\/\/gogonihon.com\/en\/wp-json\/wp\/v2\/media?parent=133601"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}