Question by teepetlhw: Can you help me understand these Japanese insurance terms?
I will be studying in Japan this summer, but not long enough to warrant a student visa or international student eligibility for Japan’s National Health Insurance, so I’m required to get my own health insurance that covers 15 million yen in “Injury Death” and 5 million yen in “Injury Treatment”, “Sickness Death”, “Sickness Treatment”, and “Rescuers Expense”.
These terms don’t match up to any policy I can find.
I can find things like Lifetime Maximum Benefits, Pregnancy Coverage, Policy Year Maximum Benefits, Basic Medical, Supplemental Major Medical, Fees for Diagnosis/Treatment, Hospital Charges, Laboratory/Diagnostic/X-ray, Outpatient Prescription Drugs, Durable Medical Equipment, Hospital Room & Board, Intensive Care, Mental Disorders, Drug/Alcohol Abuse, Motor Vehicle Accident, Ground Ambulance, Injuries to Sound Teeth, Accidental Death & Dismemberment, Medical Evacuation and Repatriation of Remains.
It seems like “Accidential Death and Dismemberment” oughta be what covers both “Injury Death” and “Sickness Death”, but I can’t find anything anywhere close to 15 mill yen (about $ 150,000 usd), so I’m thinking maybe they lump in some other stuff like repatriation and hospital fees, but I’d like to see some actual definitions.
“thecheapest”‘s answer gave a common sense explanation for what the terms might be, which doesn’t really help. I have common sense. I’d like a translation of these Japanese benefit terms to American benefit terms like the ones I listed in the paragraph that starts with “I can find things like…”

$ 150,000 benefits for accidental death and dismemberment is unheard of, so “injury” death must include something else, or else dying in Japan is exceptionally expensive.

Best answer:

Answer by thecheapest902
“Injury Death”; money to pay to your family when you get injured and died as a result.

“Injury Treatment”: money to pay to you as its cost when you get injured and get treatment

“Sickness Death”:money to pay to your family when you get sick and died as a result.

“Sickness Treatment”: money to pay to you as its cost when you get sick and get treatment

“Rescuers Expense”: money to pay to your family if they need to come to you as emergency

What do you think? Answer below!

 

 

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