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Japan Travel Insurance: What to Do After an Injury or Getting Covid-19

Due to the spread of Covid-19, Japan restricted its number of visitors and only accepted tourists traveling in groups. However, restrictions were lifted in October 2022 for the first time in two and a half years! The number of foreign visitors to Japan, which has declined significantly, is expected to increase due to the depreciation of the yen. Even before the spread of Covid-19, the Japan Tourism Agency encouraged foreign visitors to purchase overseas travel insurance for unexpected injury or illness. Here, we will introduce insurance options for foreign visitors to Japan that will leave you prepared for such events! We have also included a guide on what to do if you catch Covid-19 during your travels.

1. Should I get Japan travel insurance? Why?

2. overseas travel insurance for foreign visitors to japan.

1 in 20 people will be sick or injured while traveling to Japan According to the Japan Tourism Agency’s (JTA) “Actual Survey on Medical Care of Foreign Travelers Visiting Japan,” 45% experienced illness or injury while traveling in Japan. Additionally, 73.7% of respondents had travel insurance to cover medical expenses in the event of an unexpected injury or illness. Even if you aren’t experiencing more obvious symptoms, it’s not uncommon to feel unwell while traveling due to climate differences and fatigue. Japan also experiences many natural disasters, and in the event of a major disaster, travelers will be affected. Here are some other factors to consider when dealing with illness or injury. ・Medical attention can be expensive As non-residents of Japan, tourists must pay the total cost of treatment at a Japanese medical institution, which can be expensive. Reportedly, heatstroke treatment, common during the summer , can cost hundreds of thousands of yen, while treating broken bones can cost several million. Overseas travel insurance can compensate for these costs. If you have coverage, you can be reimbursed for treatment costs and drug charges, and, depending on the product, you may not even need to pay cash. ・Problems dealing with illness and injury to foreigners When travelers get sick or injured, they often rely on hotels or travel agencies for assistance. According to the JTA survey, about half of the travel agencies and accommodations reported that foreign tourists had been sick or injured during their stay. Some of the most common issues facing travel agencies and lodging facilities are “I don’t know which medical facility can accommodate foreigners” and “I don’t have sufficient communicative or interpretation abilities to handle the situation.” Overseas travel insurance can also address these issues. By providing information on medical facilities that accept foreigners and offering interpreting services, care can be given more smoothly. ・Be prepared for emergencies with travel insurance About 30% of overseas tourists visiting Japan do not have insurance that covers medical expenses. Being unable to communicate in a country you are not used to can add to your stress and compound the emergency itself. Travel insurance will help you get medical care, and depending on the service, you can get interpretation services and support in returning home, if needed. With overseas travel insurance as a precaution, you can fully enjoy the comfort of safe traveling.

Overseas travel insurance for foreign visitors to Japan compensates for the expenses incurred when a foreign tourist is ill or injured in Japan. Generally, Japan travel insurance would be purchased in one’s home country before traveling. Since it is often connected to their home country’s insurance system, complications may arise when using it in Japanese medical institutions due to different settlement methods, etc. Fortunately, Japanese insurance companies offer alternatives. Insurance policies for individual travelers or hotels and travel agencies are available. Here are some of the insurance products available for individual travelers: ・Japan travel insurance for individuals offered by the Japan Tourism Agency Two types of overseas travel insurance offered by the JTA are Tokio Marine & Nichido’s overseas travel insurance for foreign visitors to Japan and Sompo Japan Nipponkoa’s travel insurance for Japan (individual contracts are no longer available as of October 2022). Both policies can be purchased after arriving in Japan. When in need, by contacting the call center, you will be directed to an appropriate medical facility. If you visit one of their partner medical institutions, the insurance company will pay the medical institution directly and receive medical care without having to pay in cash. You can rest assured that communication with the doctor and translation, an issue in many medical settings, can be handled over the phone. On-site interpreters can also be arranged, and compensation for the expense will be covered.

・Check policy information Japan travel insurance for foreign visitors to Japan is for those who have a short stay of 30 days or less. If you plan to stay for more than 31 days, you purchase this type of policy. People with chronic illnesses or who plan to participate in dangerous sports or activities (hang gliding, skydiving, mountain climbing, using power tools, etc.) are also unable to receive coverage. ・Online registration - within 30 days of your trip In the case of Tokio Marine & Nichido, you can apply online any time from 30 days before entry into Japan to the 4th day after entry. For Sompo Japan Nipponkoa application must take place within 30 days after entry, but not before. Premiums vary, but for Tokio Marine & Nichido, enrollment periods and their corresponding premiums can range from 1 to 31 days of coverage. For Sompo Japan Nipponkoa policies and premiums are offered in 10-day packages. Both policies may be paid for by credit card only. ・Different from credit card travel insurance Some credit cards offer insurance that covers medical expenses due to injury or illness when traveling abroad. Medical expenses may be covered, but there is no interpretation support or introduction to appropriate medical institutions. Additionally, travel insurance attached to credit cards often needs to be reimbursed immediately, so you may have problems if you have insufficient funds. Overseas travel insurance for foreign visitors to Japan is safer because it includes an interpretation service and cashless treatment. * Depending on the region, it may not be possible to arrange a medical institution that can offer the treatment without cash. * Some expenses, such as drug fees, may not be cashless. ・Are lost or damaged items or souvenirs covered? Some common overseas travel insurance covers the loss of carry-on items and damage to items purchased locally. Overseas travel insurance for foreign visitors to Japan does not cover these because it is mainly for medical expenses. However, depending on the product, you may receive a service that will assist you if you lose your passport or credit card. ・What happens if I get Covid in Japan? In the case of the “Tokio Marine & Nichido’s overseas travel insurance for foreign visitors to Japan,” the same rule applies for Covid-19 as it does with all other illnesses, and medical expenses during the insurance coverage period will be covered by the insurance company when deemed appropriate. However, when it comes to getting a doctor’s diagnosis or being hospitalized, each insurance company has a different coverage plan, so be sure to check what’s included (whether multilingual support is available depends on the insurance agency). Also, please check whether your insurance covers the cost of a cab to the hospital or stays at a recovery facility, as this can differ depending on the agency. It’s recommended to check in advance whether the insurance in your home country covers any expenses.

Japan travel insurance for foreign visitors covers the cost of treatment during overseas travel. A key feature is that it can be purchased even after entering Japan. Conditions and compensation details will vary depending on the policy, so check carefully before joining. Also, deciding which policy you want before leaving your country is best, and then subscribe upon entering Japan. * This article's information was updated in October 2022 from its original posting in July 2019. * Information is subject to change. We recommend that you check it in advance. Please note that we will not be able to compensate for damages caused by the content posted.

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Sompo travel insurance review: Comprehensive Covid-19 coverage at wallet-friendly prices

Sompo travel insurance has gone through some major changes since we've last talked about it. Let's first recap the basics of Sompo's travel insurance plans:

Back then, Sompo's travel insurance plans were known as Sompo Travel Joy insurance plans. They were categorised into three tiers: The basic Vital plan, the middle-tier Deluxe plan and the Japan-focused GO Japan! plan.

It even had an Elite plan as it's basically a bumped-up version of the Deluxe. In the past, Sompo travel insurance was one of the most comprehensive and best travel insurance plans for those travelling to Japan.

But let's get up to speed with the current Sompo travel insurance and compare them against the other travel insurance plans. P.S. There's nothing special about the plan for Japan anymore.

1. Sompo travel insurance: Summary

While most travel insurance plans offer three tiers of plans, Sompo's travel insurance (with Covid-19 coverage) only has two tiers:

• The Essential plan and
• The Superior plan.

As its name suggests, the Sompo Essential travel insurance plan offers you basic coverage while the Sompo Superior plan offers you more comprehensive coverage. Both plans, by default, come with Covid-19 coverage.

Here is a summary of Sompo travel insurance's price, benefits and coverage:

Travel insurance plans are priced based on the country that you're travelling to.

Take Sompo travel insurance, for example, whether you decide on the Essential or Superior plans, you'll find that there are three different prices.

Check which countries Sompo travel insurance covers here:

• Area A: Brunei, Indonesia, Malaysia, Philippines, Thailand, Vietnam.
• Area B: Australia, Cambodia, China (excluding Tibet and Mongolia), Hong Kong, India, Japan, Laos, Macau, Myanmar, New Zealand, South Korea, Taiwan, and all countries listed under Area A.
• Area C: Worldwide excluding countries in the Country Exclusion List: Afghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Somalia, Sudan and Syria.

[embed]https://www.instagram.com/tv/Cd5fjvwjw63/?utm_source=ig_web_copy_link[/embed] 

If you and your squeeze are going to elope and travel the world, you'll obviously need the most comprehensive and expensive Area C worldwide coverage.

No lah, won't get Covid while travelling. Jokes on you, because this Singaporean couple dropped their jobs and tried to travel the world but they got Covid-19 while on holiday in Istanbul.

Here's Sompo travel insurance's Covid-19 coverage at a glance:

2. Sompo travel insurance's coverage includes Covid-19

Before you buy something, you should know exactly what you're buying. When buying travel insurance, you should know what the plan covers you for.

From baseline baggage loss, flight delay, and medical coverage to Covid-19 coverage and outdoor sports coverage, we broke down the Sompo travel insurance here:

Sompo's basic travel insurance coverage

As with all travel insurance plans, Sompo's travel insurance covers you for:

• Personal accident.
• Medical expenses (overseas).
• Flight delay.
• Missed flight connections ($100 for Essential, $200 for Superior).
• Overbooked flight.
• Baggage delay/ loss.
• Stolen or lost passport.

Those are the basic requirements of any travel insurance. Now, moving on to Covid-19 coverage.

Sompo has integrated Covid-19 coverage into their travel insurance plans. So, all Sompo travel insurance plans come with Covid-19 coverage. You don't need to add on any Covid-19 riders.

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Sompo's Covid-19 claims & coverage

Sompo's Covid-19 coverage is actually pretty decent. It starts covering you before you even depart for your holiday. However, as with all travel insurance, there are lots of secret potholes, hidden terms and conditions, and caveats.

Also, what does a travel insurance's Covid-19 coverage include?

Here, we break down Sompo's Covid-19 claims and coverage for you:

Pre-Trip Cancellation: Coverage starts 30 days before your trip. If you or your travelling partner (must be under Sompo travel insurance) gets Covid-19 and you both decide to cancel the holiday, you can claim from Sompo any transport expenses, accommodation, tour agency, cancellation fees that you've already pre-paid for.

Pre-Trip Postponement: Again, coverage starts 30 days before your trip. If you or your travel partner (both under Sompo travel insurance) gets Covid-19 and you both decide to postpone your holiday, you can claim from Sompo any rescheduling admin fees charged by your transport and accommodation providers.

Shorten Trip due to Covid-19: If you're already travelling and you or your travel partner gets Covid-19 and you need to curtail (means to shorten) your trip, you can claim from Sompo any transport, accommodation, and cancellation fees that you've already pre-paid. You can also claim economy transport tickets and hotel you've had to make to facilitate your return to Singapore.

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Flights & Accommodation disrupted due to Covid-19: Already travelling but you or your travel partner got Covid-19 and stalled your plans? Maybe you had to miss your onward flight to the next country and missed the hotel stay too. You can claim from Sompo the new bookings you've had to make.

Overseas Covid-19 Medical Expenses: If you got Covid-19 while travelling, took a ride on the local ambulance, admitted into their local hospital for Covid-19 treatment, you can claim 45 days' worth of medical expenses.

Emergency Medical Evacuation or Repatriation: If you're down super serious with Covid-19 and need to be sent back to Singapore for treatment (or body if passed away), all necessary medical evacuation and repatriation transport costs and admin fees will be covered.

Overseas Quarantine Allowance: Means if you catch Covid-19 while travelling and the local authorities put you in quarantine, you will get a cash amount everyday you are in quarantine.

Overseas Hospital Income: If you get Covid-19 while travelling, you get admitted into the local hospital, you get a cash amount every 24 hours.

However, as with all travel insurance claims, you need to prove to Sompo that you've already tried your best and banged tables at your airline, hotel, and travel agency for rescheduling or refunds… but to no avail. Then, you must contact Sompo ASAP and very urgently to let them know about the situation.

Note that there's also a $100 excess to be paid by you first before Sompo's coverage kicks in.

3. Sompo travel insurance's disadvantages

There are several jarring cons to Sompo's travel insurance that you must know before you buy one.

Frankly, you might want to give Sompo a miss if you're flying on business class, or using air miles and rewards points such as Agoda points to redeem your hotel stay.

You shouldn't buy Sompo travel insurance if you are setting off on an adrenaline junkie's adventure-filled trip. Sompo travel insurance's lack of coverage for outdoor activities is also one of its main drawbacks.

Here, some caveats hidden in Sompo's travel insurance terms and conditions that you must know:

Vaccination: You must be fully vaccinated according to Singapore's Covid-19 regulations to be eligible for Sompo's travel insurance coverage.

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Waiting period: If you bought Sompo travel insurance today, and get Covid-19 in the next 14 days, you cannot claim(!!).

Air Miles/ Credit Card/ Membership Points: If you got your flight or hotel accommodation via any air miles redemption, credit card points, or some sort of hotel membership points redemption, you cannot claim it from Sompo at all.

Business Class Tickets/ Hotel Suites: If you only travel luxury and got yourself Business Class or First Class tickets and deluxe suites, Sompo's travel insurance cannot reimburse you for your expensive bookings. They can only reimburse you the cheap economy value prices.

Specialist Treatments due to Covid-19: Listen up if you have some health conditions that may be worsened by Covid-19. If you got Covid-19 overseas and you need to have your heart condition, pregnancy, etc. checked out at the same time, you must have a referral letter by the general doctor attending to you in that overseas hospital. Else, you can't claim those specialised treatments you got overseas even though it's related to your health and Covid-19.

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In terms of outdoor activities, Sompo travel insurance does not cover activities like scuba diving, car racing (Sepang guys, take note), and professional sports tournaments (sorry Muay Thai and BJJ peeps going to Malaysia or Thailand to compete).

If you're planning to hike the Japan Alps, you won't be covered.

It's not explicitly stated in the Sompo terms and conditions  whether activities like skiing, and white water rafting are covered.

In the past, the previous Sompo travel insurance was more lenient, stating that some of these sports may be claimable if taken for leisure purposes. However, that clause has since been removed.

If you're not sure which type of travel insurance you should be buying, here's a useful guide explaining how to choose travel insurance.

4. Sompo travel insurance claims

According to reviews from Reddit users, Sompo travel insurance's claims process is smooth and easy. Sompo will take 10 working days to process your claim before they get back to you. If all is done, you will receive your claimed amount via PayNow.

Here are some handy information for your Sompo travel insurance claim:

Emergency hotline: For travel insurance emergencies, call Sompo's emergency hotline at +65 6532 2522.

Online claims: You can submit your Sompo travel insurance claims online via the official Sompo website. Otherwise, you can reach out to [email protected].

Hard copy claims: Download the claims form and mail with supporting documents to Sompo Insurance Singapore Pte Ltd, 50 Raffles Place, #05-01/06 Singapore Land Tower, Singapore 048623.

App claims: Download the Sompo SG app and submit the supporting documents via the app. You can take photos on the spot or choose from your files. Claims submitted through the app are instantly submitted and enjoy priority assessment.

Things to note: Claims must be reported within 30 days of your return to Singapore. For useful info on supporting documents needed, refer to Sompo's claims page.

5. Sompo travel insurance promo code

Comparing across the board of travel insurance plans that offer Covid-19 coverage, Sompo travel insurance is one of the cheapest.

At the moment, there are no ongoing Sompo travel insurance promo codes and promotions. However, the premiums that you'll be paying is pretty budget-friendly and value-for-money.

6. Sompo travel insurance review

The great thing about Sompo's Covid-19 travel insurance is the flexibility it offers in rescheduling your travel plans when you unfortunately contract Covid-19.

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Compensation for trip cancellation or postponement is offered if you, an immediate family member or a travelling companion also insured by Sompo, got diagnosed with Covid-19 before your departure date (within 30 days). 

If your travel partner gets Covid-19, you can choose to claim for your travel expenses rather than go home alone.

On top of that, you can make a claim for having to change your itinerary if your travelling companion or an immediate family member back in Singapore gets diagnosed with Covid-19 and you need to cut short your trip to return to Singapore.

However, considering that Sompo's Covid-19 coverage kicks in 30 days prior from departure date, but there's a 14 day waiting period before your coverage can be "activated", you have to buy your Sompo travel insurance 44 days (or 1.5 months) before your trip.

So… is Sompo travel insurance good?

If you're planning a leisure holiday well ahead of time that mostly involves an itinerary of eating, shopping and sightseeing, Sompo's Covid-19 travel insurance plan is well worth looking into.

It offers comprehensive Covid-19 coverage on top of the regular policy benefits at wallet-friendly prices.

Given that the price difference does not vary much between the Essential and Superior plans, top up a little extra for the Superior plan to enjoy twice as much coverage.

However, the medical coverage offered by Sompo does pale in comparison to other travel insurance plans in the market.

If you're healthy, vaccinated, and your chances of hospitalisation are close to none due to Covid-19, the Sompo travel insurance is definitely one to consider.

This article was first published in MoneySmart .

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Protect yourself from potential risks with travel insurance

• Helping You Plan

It is strongly recommended that all travelers to Japan get travel insurance

Protect yourself from potential risks.

Travel insurance is a potential lifesaver when accidents happen

You can also sign up once you arrive.

Is it likely you'll get sick or injured while traveling?

While traveling is a thrilling experience, if you get sick or injured, you could get hit with hefty medical expenses. According to the survey by the Japan Tourism Agency, one in twenty people suffers from sickness or injuries while abroad. Medical service in Japan is advanced, but treatment can be expensive. For that reason, preparing in advance by organizing travel insurance is a wise decision.

Some credit card companies also offer travel insurance coverage. Please ask your card provider for further details on the insurance coverage before leaving.

Since 2021, foreigners who have unpaid medical expense in Japan may be restricted or refused entry to Japan.

Buying insurance after you arrive

It's possible to purchase insurance after you've arrived in Japan.

Know what your insurance covers and what it doesn't

Travel insurance covers medical expenses and compensation for the damage that occurs during your trip. It's a separate and different product from any health insurance you might have at home.

It's important to know what your insurance covers and exactly how they will pay you. If you buy travel insurance in your country, please check with your insurance company for their specific policies, before embarking on your trip. Some policies cover round-trip flights or transport from your home to the airport, while others won't. Here are some important things to know.

Know how to contact your travel insurance provider. Keep their emergency contact phone number on your person.

Know how your travel insurance provider will pay for your medical costs. Do they provide a “Cashless service”? That's when your insurance directly pays out to the medical providers on your behalf. Other insurance providers may require you to pay upfront, and some clinics don't accept credit cards. Cashless service travel insurance removes those concerns.

If you have a chronic disease, this will affect your travel insurance coverage.

Find out if your insurance covers your planned activities. Some particularly dangerous activities may not be covered.

Know if your insurance provides compensation for damages or injuries to third parties.

When you are sick

If you become injured or feel ill, it's helpful to know whom to call. The number to dial for an ambulance is 119, but the type of medical institution you need differs depending on the hour of the day, the level of severity, and if it's an emergency. For more information on finding appropriate medical assistance, see “For safe travels in Japan” or other links stated below.

Translation for medical issues in Japan

If you become injured, not speaking Japanese will complicate things and in some cases even delay you getting help! While some medical facilities offer services in foreign languages, not all do.

Safe travel advice

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Sompo Holdings Inc.

Jp3165000005, property & casualty insurance.

• Sompo Japan Nipponkoa : Launch of Overseas Travel Insurance Sold via the Internet to Local Employees of Japanese Companies in China(PDF/23KB)

February 15, 2016

Launch of Overseas Travel Insurance Sold via the Internet to Local Employees of Japanese Companies in China

Sompo Japan Nipponkoa Holdings, Inc. (Kengo Sakurada, Group CEO and President) hereby announces the launch of overseas travel insurance for sale via the Internet to local employees of Japanese companies in China, including to their family and friends. Sales will begin through Sompo Japan Nipponkoa Insurance (China) Co., Ltd. (hereinafter, "SJNK (China)"), a Group subsidiary, on February 15, 2016. Details are as follows.

People traveling overseas from China eclipsed 100 million passengers in 2014, surpassing all other countries in the world. As a result, China has seen a rapid increase in demand for making online overseas travel arrangements. In response, SJNK (China) has been selling subscriptions to travel insurance packages through online travel agency sites in China since June 2015.

As a result of requests from local Japanese companies, SJNK (China) has decided that it will expand the scope of this online travel insurance business to include Intranet access and sales to local employees working for Japanese companies in China* 1 . Accordingly, it has developed a system linked with the Intranet used by Japanese companies in China that enables their employees, family and friends to easily obtain insurance that will provide them peace of mind and security when traveling overseas. Going forward, SNJK (China) will consider the expansion of Intranet sales to the employees of all companies in China.* 2

*1 There are approximately 10 million employees working for Japanese companies in China according to the Japanese Embassy in China.

*2 The working population in China is approximately 772.53 million according to the (China Labour Statistical Yearbook 2015).

• Product Overview

Insurance underwriter: Sompo Japan Nipponkoa Insurance (China) Co., Ltd.

Policyholder: Company employees

The insured: Company employees and their family and friends.

Coverage content: Insurance benefits will be paid in the event the insured dies or suffers residual disabilities as a result of illness or injury while traveling. Insurance benefits will also be paid for the actual expenses incurred should hospitalization and other medical treatment expenses be required while traveling. Apart from that, the policy provides ample coverage for damage to belongings, baggage shipment delays, and personal liability.

Service content: The policy provides access to services ranging from general travel concierge services to hospital arrangements, cashless settlements, and medical interpreter services in the event of illness or injury while traveling.

System overview: Through a dedicated insurance subscription portal (or link) on the companies' Intranet sites, employees can apply and pay for insurance policies, as well as have an insurance certificate issued on the spot. Moreover, the companies can monitor the insurance subscription and accident coverage status of their employees from their Intranet administration site on an ongoing basis.

Sample insurance premium: 90 renminbi (approximately 1,650 yen* 3 ) for a five-day travel

insurance policy. There may also be insurance premium discounts available depending on the customer's past usage and other track records.

• Product Development Going Forward

Looking ahead, SJNK (China) plans to provide services of the highest quality that contribute to the peace of mind, security, and health of many more customers by enhancing its product lineup of medical and automobile insurance, in addition to the online system for marketing overseas travel insurance it has already developed.

*3. Calculated based on an exchange rate of 18.36 yen per 1 renminbi.

Sompo Japan Nipponkoa Holdings Inc. issued this content on 15 February 2016 and is solely responsible for the information contained herein. Distributed by Public, unedited and unaltered, on 15 February 2016 05:21:12 UTC

Original Document: http://www.sompo-hd.com/~/media/hd/en/files/news/2016/e_20160215_2.pdf

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Reinsurance News

Aig to sell its personal travel insurance & assistance business to zurich.

26th June 2024 - Author: Saumya Jain

Global insurer American International Group, Inc. (AIG) has entered into a definitive agreement with Zurich Insurance Group to sell the latter its global individual personal travel insurance and assistance business for $600 million in cash plus additional earn-out consideration.

The current agreement includes the Travel Guard business and its servicing capabilities, excluding Japan and AIG’s joint venture arrangement in India. Travel coverages offered through AIG’s Accident & Health business are also excluded from this agreement.

The global personal travel insurance and assistance business currently provides a broad range of coverage options and services, including trip cancellation, medical assistance and evacuation. Current policyholders will continue to be covered without disruption or change to their service.

Evercore Group L.L.C. acted as financial advisor; Willkie Farr & Gallagher LLP and Norton Rose Fulbright LLP acted as legal counsel to AIG.

Peter Zaffino, Chairman and Chief Executive Officer, AIG, commented, “Today’s announcement is another important strategic step in positioning AIG for the future. I am proud of the work our team has done to establish Travel Guard as a premier provider of personal travel insurance globally, bolstered by strong relationships with some of the world’s largest airlines, online travel agencies and credit card providers.

“I am confident that Travel Guard will continue its growth and success being part of Zurich Insurance Group. Our AIG colleagues will work closely with Zurich to ensure a seamless transition for employees, customers and our global distribution partners.”

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Travel to Overseas Destinations

Enjoy your adventure around the world without worry.

Travel is one of those things we all look forward to. From sandy beaches and snow-covered mountains to the hilly greens and bustling cities, the world is our playground and we live to experience it. But it’s not one without risk. Securing your trip with an overseas travel insurance will ensure you’ll be protected through it all.    TravelJoy* from Sompo Insurance is designed to protect you while you travel the world, to help you travel smarter and safer. From the time of your departure to arrival back in Indonesia, you are covered for any unpredictable flight delays and cancellations, loss of baggage, wallet and documents, accidents, medical evacuation and adventure sport emergencies. We would even protect your house when you are away. After all, traveling is meant to help you rejuvenate and relax and our travel insurance online is customized to ensure you can experience just that without worry.    With insurance premium equals to the cost of a slice of pizza, we will protect you against future losses.

* TravelJoy is registered with OJK under the product name TravelFirst.

PRODUCT FEATURES

COVID-19 Coverage

Hospitalization up to IDR 750 million per person, quarantine up to IDR 10 million per person, and replace actual cost for emergency evacuation and repatriation.

Schengen Visa Approved

Acknowledged for the Schengen visa application process.

100% Coverage

Provides 100% benefits coverage per person in the family plan.

Accident Coverage

Covers personal accidents and additional coverage for traffic accidents.

Medical Coverage

Covers medical treatment and hospitalization abroad and upon arrival in Indonesia, including medical evacuation.

Baggage Coverage

Covers your luggage and personal belongings against losses, damages or delays upon your return to Indonesia.

Adventure Sports Coverage

Provides protection for underwater activities.

House Protection

Includes protection for the contents of your house from the risk of losses and damages due to fires and/or robberies when you are away.

• COVID-19 protection as hospitalization allowance**
• Personal accident​
• Medical expenses occured in the hospital
• Medical expenses incurred upon return to Indonesia​
• Emergency medical evacuation​
• Repatriation of bodily remain​
• Allowance for hospitalization in Indonesia
• Reconstructive surgery due to burns​

Inconveniences during travel

• Loss or damage to bagage and personal effect​
• Loss of travel document and money​
• Trip cancellation or delay​
• Reduced travel time due to disruption​
• Personal or family liabilities​

Cash compensation

• Bagage delay​​
• Travel delay​
• Flight deviations​
• Flight delay to due hijacking​
• Missed flight connection exceeding 6 hours​

Other Coverage

• House protection from fire and burglary​
• Leisure underwater activites​
• Emergency phone charges​​
• Rental vehicle excess cover​
• Reconstructive surgery due to burns
• Loss or damage to golfing equipments​

** All terms and conditions of coverage refer to the insurance policy that applies to each product.

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Japan nonlife insurers apologize to shareholders over scandals

Leaders of three major Japanese nonlife insurers apologized at their respective general shareholders meetings Monday over scandals rocking the industry.

At the general meeting of Sompo Holdings, which saw its previous leadership step down at the end of March to take responsibility for the Bigmotor scandal, shareholders voted on the appointments of 13 board directors including President Mikio Okumura.

"Outside board members are also accountable for scandals," a shareholder in his 70s said. "I want to stick to this issue."

President Shinichiro Funabiki of Mitsui Sumitomo Insurance, a unit of MS&AD Insurance, apologized at the parent's general meeting for the premium-fixing scandal, promising to improve business operations. He also declared his commitment to preventing a similar incident from occurring.

But one shareholder said, "The recurrence prevention measure is in name only, and I do not believe it will resolve the issue."

Critics say that so-called strategic shareholdings including cross-held shares, which companies hold in clients to maintain good relations, have helped create an environment that led to fraudulent actions.

"We will eliminate our strategic shareholdings in six years," Funabiki told shareholders.

In a time of both misinformation and too much information, quality journalism is more crucial than ever. By subscribing, you can help us get the story right.