International Personal Insurance is Insurance Package for foreign executives in Japan.
Protect your personal effects in Japan or overseas from accidents due to fire, lightening, explosion, theft, breakage, etc. on all risks basis. It covers your belongings carrying outside or on your travels regardless of in Japan or outside Japan. It also covers personal effects belonging to your sons or daughters who are studying overseas on all risks basis. Earthquake coverage covers up to 100% of the property damaged.

• 
  Fire & Lightening
• 
  Theft
• 
  Breakage
• 
  Flood
• 
  Earthquake

Personal Property Coverage

‘Term of Insurance Coverage : One Year

All risks including earthquake and flood. This insurance covers direct physical loss or damage to property insured unless the policy specifically excludes or limits the coverage.

• ₯Major Exclusions
• œ Power interruption
• œ Acts of sabotage
• œ Terrorism
• œ Nuclear hazard
• ₯Loss Settlement
• œ Property other than Valuable Articles / Jewelry is covered based on replacement cost.
• œ Valuable Articles / Jewelry is covered based on limit stated in the insurance policy.
• œ JPY20,000 deductible is applied to Property at Premises and Property in Storage.
  @No deductible is applied to scheduled properties as Valuable Articles / Jewelry.

‘Coverage Selection Guidelines

• œ Property at Premises | Minimum required coverage limit is JPY1,000,000.
• œ Valuables | Furs, fine arts, musical instruments, silverware, collectibles,
  @stamp and coin collections require a scheduled list.
• œ Other Valuables | Scheduled list not required regardless of value.

Liability Coverage (Optional)

• ₯Personal Liability
• œ Primary coverage for claims that may be made against you or your family for unintentional injury
  @or damage to the property of others resulting from accidents covered under the policy terms.
• œ Tenants liability coverage of your legal obligation to your landlord for damage to your rented
  @premises by accident (e.g. fire, explosion, smoke).
• œ Medical payment coverage for medical expenses of persons, other than members of your household,
  @who are accidentally injured at your premises.
• ₯Personal Excess Liability
• œ This coverage supplements the basic liability coverage of your insurance (homeowner,
  @renter, - automobile, personal liability insurance, etc.) in case it does not cover
  @the amount of compensation.
• ₯Major Exclusions
• œ Business pursuits of the insured
• œ Automobile (except Personal Excess Liability)
• œ Other property damaged while in the care, custody or control of the insured
  @(except Personal Liability to your rented premise).
• œ Assumed liability under any contract (except contract relating to rented premise).
• ₯Loss Settlement
• œ We will pay up to our limit of liability for the damage for which the insured is
  @legally liable and also provide a defense at our expenses by counsel of our choice.
• œ Payments under medical payment coverage are limited to a maximum of JPY2,500,000 per person.

Please download PDF files for the detail on the insurance products

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