Important Information –Please Note Well-

Please ensure to read the “Summary of Contract” and “Information Calling for Attention”, and confirm the content prior to purchasing the insurance policy. Especially the clause of “Unpayable benefits” requires your attention.

About confirmation of Summary of Contract

Please ensure to read this before purchasing the insurance policy.

Ⅰ.Features of our plan

Our insurance plan is for non-Japanese visiting or residing in Japan which covers life, specified disability, and medical treatment.
Upon illness or injury, specified disability or death caused by illness or injury within Japan, the company will reimburse the coverage.

Ⅱ.Coverage

(1) Payable Benefits

The summary of major payable benefits is as follows. Please confirm the details in the General Insurance Terms and Conditions.

１.Life Insurance

A)Injury Death :Benefits will be paid when the insured person dies inside Japan within 180 days from physical injuries inflicted by cause of unforeseen accidents inside Japan, which occurred within the covered period.

B)Common Death:Benefits will be paid when the insured person dies inside Japan from incidents inside Japan caused by reasons other than what is mentioned in A) above, within the period covered and 8 days after the effective date of the new policy.

２.Specified Disability Benefits

Benefits will be paid when the insured person is stricken with a specified disability within 180 days from the physical injury(s) inflicted by unforeseen accidents which occurred inside Japan within the period covered.

３.Medical Benefits

Payments to a medical institution needed for the physician’s diagnosis or treatment of the policyholder (or the insured) will be reimbursed for the symptoms occurring inside Japan within the period covered based on the point system for the medical cost (one point of the medical service fee points will be converted to 10 (ten) JPY). The maximum limit for reimbursement is two million JPY (one million JPY for the short term plan and a new member age of 56 years old and above) in total for a policy year.

①Coverage for each illness or injury is limited up to 180 days from the first day of medical consultation or the physical injury(s) inflicted by accidents.

②In the event of a recurrence of an illness after treatment or a period in excess of 3 weeks between treatments, VIVA VIDA MEDICAL LIFE Co., Ltd. will have the right to determine whether such illness shall be covered and the extent of coverage based on the continuity of the illness based on the medical diagnosis of the physician.

③Medical expenses include charges for the first and subsequent consultations and related charges for tests, treatment, prescriptions, and hospitalization (limited to items eligible to be covered by the regulation of the public medical insurance system). Price differences in bed rental expenses, meal expenses, and miscellaneous personal expenses are excluded.

④One point of the medical service fee points for rehabilitation fees will be converted to 5 (five) JPY to be eligible for benefit reimbursements.

⑤One point of the medical service fee points for the treatment of inguinal hernia with onset time after 120 days of inception will be converted to 5 (five) JPY to be eligible for benefit reimbursements.

⑥All fees of 10,000 JPY and over in total for a particular injury or illness will be covered by our medical benefit.

⑦In case the insured person joins Japanese Health Insurance or Social Insurance Schemes, personal expense public healthcare insurance deductions applied accordingly if relevant, and the balance shall be eligible for benefit reimbursements.

(2)Unpayable Benefits

As for unpayable benefits, please refer clause V. in “Information Calling for Attention”.

Ⅲ.Insurance Claim Procedures

1.The insurance policyholder, insured or beneficiary shall fill out necessary information on the designated VIVA VIDA MEDICAL LIFE Co., Ltd. benefit claim form, and submit the form accompanied by one medical diagnosis report from a licensed physician, receipt of payment to medical institution (for medical coverage only, original receipts only are acceptable) and passport copy (ID and VISA page) within 60 days of completion of treatment or death.

2.In addition to the documents mentioned in III.1.(above), other documentation may be required for the claim of benefits.

3.In case the claim is reimbursable, we make payment within 20 working days from the date all the necessary documentation is obtained.

4.Unpaid premiums are subject to claim by VIVA VIDA MEDICAL LIFE Co., Ltd. upon benefit reimbursement.

5.Up to two people may be designated as life insurance beneficiaries. However, in principle family members up to two degrees of kinship are eligible.

Ⅳ. Inception Date

(1) New insurance policy applications

When the company sent an approval notice of application, and the effective date is not designated, inception shall start at midnight of the day following that on which VIVA VIDA MEDICAL LIFE Co., Ltd. received premium payment. Exclusion period for non-reimbursement of Life insurance/Common death and Medical Benefits is 7 days. Medical payment reimbursement and life insurance benefit for death caused by chronic conditions etc. described in Appendix 3 of General Insurance Terms and Conditions are not eligible for benefit reimbursement within 120 days from the inception of the new insurance policy. In short-term policy, all the medical payment reimbursement and life insurance benefit for death caused by chronic conditions etc. described there are excluded.

(2) Insurance Renewal

When premiums are paid by the termination date, the corresponding date of the previous inception year of the previous policy inception shall be the effective date of the renewed policy. In short-term policy, even after renewal, medical payment reimbursement and life insurance benefit for death caused by chronic conditions etc. described in Appendix 3 are not eligible for benefit reimbursement.

Ⅴ.Insurance Term

Annual plan is the basic insurance plan. Short-term plan for 1, 2, 3 and 6 months also can be purchased.

Ⅵ.Undertaking Condition （Benefits and Premium）

(1) Benefits and Premium

1.VIVAMED－A （LIFE＋SPECIFIED DISABILITY＋HEALTH）

1.VIVAMED－B（LIFE＋SPECIFIED DISABILITY＋HEALTH）

*The premiums for a new member and a renewal member differ based on exclusion condition applied to each membership.

*Acceptance of policy renewal with all or part of the following conditions will be based on the status of insurance claim, benefit reimbursements or content of revisions upon policy renewal.

①Increasing deductible amount　②Raising premium　③Deduction of benefit amount　④Deduction of indemnification　⑤Addition of exclusion clause(s)

*For further information of Short-Term Plan coverage and premium, please contact VIVA VIDA!

(2) Payment of Premiums

1.Premiums shall be received by VIVA VIDA MEDICAL LIFE Co., Ltd. for bank transfers or convenience store payments after receiving application form. Invoice for premium payment is sent for convenience store payments. Predetermined premium payments shall be completed immediately after receiving the invoice.

2.Premiums for annual plans can also be paid in from 2 up to 6 installments. For short-term plan, 6 month plans in up to 2 installments, other plans 1 time payment only.

Ⅶ.Disbursement

No disbursement to policyholders.

Ⅷ.Cancellation Return

Upon cancellation, no refund of premium.

Ⅸ.Joining the Insurance Plans, Membership Requirements

1.Person of foreign nationality owning a passport visiting or residing in Japan can purchase the insurance policy.

2.Person age from 1 up to 60 yrs old can purchase VIVAMED－A (LIFE+SPECIFIED DISABILITY+HEALTH). Only renewal of a plan is acceptable for person age from 61 up to 65 (for group consultation, please consult with VIVA VIDA!).

3.Person age from 18 up to 60 yrs old can purchase VIVAMED－B(LIFE+SPECIFIED DISABILITY+HEALTH).

Confirmation of Information Calling for Attention

This “Information Calling for Attention” is an explanation of the important clauses which especially require your attention. Please ensure to read this for confirming and understanding the content when you apply for the insurance. Also, please store this stipulation together with the insurance policy certificate in a safe place. This documentation does not cover all the necessary items for the insurance policy. For details, please confirm with “General Insurance Terms and Conditions”. If you have any questions, please do not hesitate to contact us.

Ⅰ.Cooling Off (withdrawal of application)

The applicant can withdraw or cancel the application if it is within eight days of completion of processing of application. VIVA VIDA MEDICAL LIFE Co. Ltd. will refund the paid amount. Please send a request in writing for withdrawal or cancellation within eight days of completion of processing of application.

Ⅱ.Obligation to Disclose

Ⅲ.Obligation to Inform

Ⅳ.Starting Period of Coverage

Ⅴ.Exclusions of Coverage

Aside from the escape clauses written below, if there is cancellation due to an obstruction of the obligations to disclose, a serious reason, or termination due to unpayable premium installments, he/she will not be eligible to receive benefits. Please verify the details of the General Insurance Terms and Conditions.

Ⅵ.Renewal

2 months prior to the insurance policy termination date, VIVA VIDA MEDICAL LIFE Co., Ltd. will dispatch the policy renewal and premium payment documentations (Notification of Renewal) to the policyholder. If there is no request from the policyholder receiving the Notification of Renewal, automatically this is regarded as policy renewal with the same condition of the previous inception year and the renewal is accepted after receiving the premium payment. If revisions are to be made, items shall be specified and informed to VIVA VIDA MEDICAL LIFE Co., Ltd. VIVA VIDA MEDICAL LIFE Co., Ltd. may review the undertaking condition of policy renewal and insurance premium, or reject policy renewal if the company considers the concerned insurance policy to be unprofitable. Policy renewal notices will not be dispatched for short-term insurance policies.

Ⅶ.Contract Termination, Grace period, etc

Ⅷ.Protection Mechanism

We are Small Amount and Short Term Insurance Company. It is not a contract to provide financial aid or coverage of the policyholders protection corporation based on the Insurance Business Law in the event of bankruptcy.

Ⅸ.Others

Important Information –Please Note Well-

About confirmation of Summary of Contract

Please ensure to read this before purchasing the insurance policy.

Ⅰ.Features of our plan

Our insurance plan is for non-Japanese visiting or residing in Japan which covers life and specified disability. Upon specified disability or death caused by illness or injury within Japan, the company will reimburse the coverage.

Ⅱ.Coverage

(1) Payable Benefits

The summary of major payable benefits is as follows. Please confirm the details in the General Insurance Terms and Conditions.

1.Life Insurance

A)Injury Death :Benefits will be paid when the insured person dies inside Japan within 180 days from physical injuries inflicted by cause of unforeseen accidents inside Japan, which occurred within the covered period.

B)Common Death :Benefits will be paid when the insured person dies inside Japan from incidents inside Japan caused by reasons other than what is mentioned in A) above, within the period covered and 8 days after the effective date of the new policy.

2.Specified Disability Benefits

Benefits will be paid when the insured person is stricken with a specified disability within 180 days from the physical injury(s) inflictedby unforeseen accidents which occurred inside Japan within the period covered.

(2) Unpayable Benefits

As for unpayable benefits, please refer clause V. in “Information Calling for Attention”.

Ⅲ.Insurance Claim Procedures

1.The insurance policyholder, insured or beneficiary shall fill out necessary information on the designated VIVA VIDA MEDICAL LIFE Co., Ltd. benefit claim form, and submit the form accompanied by one medical diagnosis report from a licensed physician (original receipts only are acceptable) and passport copy (ID and VISA page) within 60 days after the death of the insured.

2.In addition to the documents mentioned in III.1. (above), other documentation may be required for the claim of benefits.

3.In case the claim is reimbursable, we make payment within 20 working days from the date all the necessary documentation is obtained.

4.Unpaid premiums are subject to claim by VIVA VIDA MEDICAL LIFE Co., Ltd. upon benefit reimbursement.

5.Up to two people may be designated as life insurance beneficiaries. However, in principle family members up to two degrees of kinship are eligible.

Ⅳ．Inception Date

(1) New insurance policy applications

When the company sent an approval notice of application, and the effective date is not designated, inception shall start at midnight of the day following that on which VIVA VIDA MEDICAL LIFE Co., Ltd. received premium payment. Exclusion period for non-reimbursement of Life insurance/Common death is 7 days. Life insurance benefit for death caused by chronic conditions etc. described in Appendix 3 of General Insurance Terms and Conditions are not eligible for benefit reimbursement within 120 days from the inception of the new insurance policy.

(2) Insurance Renewal

When premiums are paid by the termination date, the corresponding date of the previous inception year of the previous policy inception shall be the effective date of the renewed policy.

Ⅴ．Insurance Term

Annual plan is the basic insurance plan.

Ⅵ．Undertaking Condition （Benefits and Premium）

(1) Benefits and Premium

VIVALIFE－A ・VIVALIFE－B （LIFE＋SPECIFIED DISABILITY）

*The premiums for a new member and a renewal member differ based on exclusion condition applied to each membership.

*Acceptance of policy renewal with all or part of the following conditions will be based on the content of revisions upon policy renewal.

①Raising premium　②Deduction of benefit amount　③Deduction of indemnification　④Addition of exclusion clause(s)

*For further information of Short-Term Plan coverage and premium, please contact VIVA VIDA!

(2) Payment of Premiums

1.Premiums shall be received by VIVA VIDA MEDICAL LIFE Co., Ltd. for bank transfers or convenience store payments after receiving application form. Invoice for premium payment is sent for convenience store payments. Predetermined premium payments shall be completed immediately after receiving the invoice.

2.Premiums for annual plans can also be paid in from 2 up to 6 installments.

Ⅶ.Disbursement

No disbursement to policyholders.

Ⅷ.Cancellation Return

Upon cancellation, no refund of premium.

Ⅸ.Joining the Insurance Plans, Membership Requirements

1.Person of foreign nationality owning a passport visiting or residing in Japan can purchase the insurance policy.

2.Person age from 18 up to 60 yrs old can purchase VIVALIFE-A・VIVALIFE-B (LIFE+SPECIFIED DISABILITY).

Confirmation of Information Calling for Attention

This “Information Calling for Attention” is an explanation of the important clauses which especially require your attention. Please ensure to read this for confirming and understanding the content when you apply for the insurance. Also, please store this stipulation together with the insurance policy certificate in a safe place. This documentation does not cover all the necessary items for the insurance policy. For details, please confirm with “General Insurance Terms and Conditions”. If you have any questions, please do not hesitate to contact us.

Ⅰ.Cooling Off (withdrawal of application)

The applicant can withdraw or cancel the application if it is within eight days of completion of processing of application. VIVA VIDA MEDICAL LIFE Co., Ltd. will refund the paid amount. Please send a request in writing for withdrawal or cancellation within eight days of completion of processing of application.

Ⅱ.Obligation to Disclose

Ⅲ.Obligation to Inform

In case of any revisions in the application form and contract detail after making the contract, the policyholder is required to inform VIVA VIDA MEDICAL LIFE Co., Ltd. Premiums may not be refunded if the policyholder fails to notify.

Ⅳ.Starting Period of Coverage

Ⅴ．Exclusions of Coverage

Ⅵ.Renewal

2 months prior to the insurance policy termination date, VIVA VIDA MEDICAL LIFE Co., Ltd. will dispatch the policy renewal and premium payment documentations (Notification of Renewal) to the policyholder. If there is no request from the policyholder receiving the Notification of Renewal, automatically this is regarded as policy renewal with the same condition of the previous inception year and the renewal is accepted after receiving the premium payment. If revisions are to be made, items shall be specified and informed to VIVA VIDA MEDICAL LIFE Co., Ltd. VIVA VIDA MEDICAL LIFE Co., Ltd. may review the undertaking condition of policy renewal and insurance premium, or reject policy renewal if the company considers the concerned insurance policy to be unprofitable.

Ⅶ.Contract Termination, Grace period, etc

Ⅷ.Protection Mechanism

We are Small Amount and Short Term Insurance Company. It is not a contract to provide financial aid or coverage of the policyholders protection corporation based on the Insurance Business Law in the event of bankruptcy.

Ⅸ.Others