Special Compensation Regulations

Chapter 1: Payment of Compensation and Solatium

(Our Liability for Payment)
Article 1: If a traveler participating in an organized tour operated by our company suffers a bodily injury due to a sudden and accidental external accident (hereinafter referred to as the “Accident”) while participating in said organized tour, our company shall pay death compensation, residual disability compensation, hospitalization solatium, and outpatient solatium (hereinafter referred to as “Compensation, etc.”) to the traveler or their legal heirs in accordance with the provisions of this Chapter through Chapter 4.
2. The injuries referred to in the preceding paragraph include toxic symptoms that occur suddenly when toxic gas or substances are accidentally and temporarily inhaled, absorbed, or ingested from outside the body (excluding toxic symptoms that occur as a result of continuous inhalation, absorption, or ingestion). However, bacterial food poisoning is not included.
(Definition of Terms)
Article 2: In these provisions, “Organized Tour” refers to those defined in Article 2, Paragraph 1 of the “Subscription-type Organized Tour Contract” section and Article 2, Paragraph 1 of the “Order-taking-type Organized Tour Contract” section of the Standard General Conditions of Travel Agency Business.
2. In these provisions, “While Participating in an Organized Tour” refers to the period from the time the traveler begins to receive the services of the first transportation/accommodation facilities, etc., specified in the organized tour itinerary provided by tickets, etc., arranged in advance by our company for the purpose of participating in the organized tour, until the time the traveler completes receiving the services of the last transportation/accommodation facilities, etc. However, if the traveler leaves the pre-determined organized tour itinerary and has notified our company in advance of the scheduled date and time of departure and return, the period from the time of departure to the scheduled time of return shall be considered “While Participating in an Organized Tour.” If the traveler leaves without notifying our company in advance of the scheduled date and time of departure and return, or leaves without the intention of returning, the period from the time of departure to the time of return, or the period after the time of departure, shall not be considered “While Participating in an Organized Tour.” Furthermore, if the organized tour itinerary specifies days on which the traveler will not receive any services from transportation/accommodation facilities, etc., arranged by our company (based on the standard time of the travel destination), and the contract document clearly states that compensation and solatium under these provisions will not be paid for damages suffered by the traveler due to an accident occurring on said days, then said days shall not be considered “While Participating in an Organized Tour.”
3. The “time the traveler begins to receive the services” in the preceding paragraph refers to any of the following times:
(1) If a tour conductor, our employee, or an agent performs registration, the time such registration is completed.
(2) If the registration referred to in the preceding item is not performed, the time at which the first transportation/accommodation facility, etc.,

  1. a. In the case of aircraft, the time of completion of baggage inspection, etc., within the airport premises where only passengers are allowed to enter.
  2. b. In the case of vessels, the time of completion of boarding procedures.
  3. c. In the case of railways, the time of completion of ticket gate inspection, or if there is no ticket gate, the time of boarding the train.
  4. d. In the case of vehicles, the time of boarding.
  5. e. In the case of accommodation facilities, the time of entry into said facilities.
  6. f. In the case of facilities other than accommodation facilities, the time of completion of procedures for using said facilities.

4. The “time the traveler completes receiving the services” in Paragraph 2 refers to any of the following times:
(1) If a tour conductor, our employee, or an agent announces dismissal, the time of such announcement.
(2) If the announcement of dismissal in the preceding item is not made, and the last transportation/accommodation facility is:

  1. a. In the case of aircraft, the time of exit from the airport premises where only passengers are allowed to enter.
  2. b. In the case of vessels, the time of disembarkation.
  3. c. In the case of railways, the time of completion of ticket gate inspection, or if there is no ticket gate, the time of alighting from the train.
  4. d. In the case of vehicles, the time of alighting.
  5. e. In the case of accommodation facilities, the time of exit from said facilities.
  6. f. In the case of facilities other than accommodation facilities, the time of exit from said facilities.

Chapter 2: Cases Where Compensation, etc., is Not Paid

(Cases Where Compensation, etc., is Not Paid – Part 1)
Article 3: Our company shall not pay Compensation, etc., for injuries caused by the reasons listed in the following items:

  1. (1) Intentional act of the traveler. However, this does not apply to injuries suffered by persons other than said traveler.
  2. (2) Intentional act of the person who is to receive the death compensation. However, if that person is the recipient of a portion of the death compensation, this does not apply to the amount to be received by other persons.
  3. (3) Suicidal, criminal, or combative acts of the traveler. However, this does not apply to injuries suffered by persons other than said traveler.
  4. (4) Accidents occurring while the traveler is driving an automobile or a motorized bicycle without the driving qualifications required by law, or in a state where normal driving may be impossible due to being under the influence of alcohol. However, this does not apply to injuries suffered by persons other than said traveler.
  5. (5) Accidents occurring while the traveler is intentionally performing an act in violation of laws and regulations, or receiving services that violate laws and regulations. However, this does not apply to injuries suffered by persons other than said traveler.
  6. (6) Brain disease, illness, or insanity of the traveler. However, this does not apply to injuries suffered by persons other than said traveler.
  7. (7) Pregnancy, childbirth, premature birth, miscarriage, surgical operations, or other medical procedures of the traveler. However, this does not apply to cases where injuries that our company should compensate are being treated.
  8. (8) Accidents occurring during the execution of a sentence, detention, or imprisonment of the traveler.
  9. (9) War, use of force by a foreign country, revolution, seizure of power, civil war, armed rebellion, or other similar incidents or riots (in these provisions, this refers to a state where public order is significantly disturbed in the whole country or a part of a district by the actions of a crowd or a large group of people, and is recognized as a serious situation for the maintenance of public order).
  10. (10) Radioactive, explosive, or other hazardous properties of nuclear fuel material (including spent fuel; the same applies hereinafter) or materials contaminated by nuclear fuel material (including nuclear fission products), or accidents caused by these properties.
  11. (11) Accidents occurring in conjunction with the reasons in the preceding two items, or accidents occurring based on the disorder of order accompanying them.
  12. (12) Radiation exposure or radioactive contamination other than that specified in Item 10.

2. Regardless of the cause, our company shall not pay Compensation, etc., for cervical syndrome (so-called “whiplash”) or back pain without objective symptoms.
(Cases Where Compensation, etc., is Not Paid – Part 2)
Article 4: In the case of an organized tour for the purpose of domestic travel, our company shall not pay Compensation, etc., for injuries caused by the reasons listed in the following items, in addition to the provisions of the preceding article.

  1. (1) Earthquakes, volcanic eruptions, or tsunamis.
  2. (2) Accidents occurring in conjunction with the reasons in the preceding item, or accidents occurring based on the disorder of order accompanying them.

(Cases Where Compensation, etc., is Not Paid – Part 3)
Article 5: Our company shall not pay Compensation, etc., for the injuries listed in the following items unless the acts in each item are included in the organized tour itinerary pre-determined by our company. However, if the acts in each item are included in said travel itinerary, our company shall also pay Compensation, etc., for injuries caused by similar acts while participating in the organized tour outside the travel itinerary.

  1. (1) Injuries occurring while the traveler is performing the exercises specified in Appended Table 1.
  2. (2) Injuries occurring while the traveler is participating in a competition, race, show (including practice for any of these), or test drive (referring to driving or maneuvering for the purpose of performance testing) using an automobile, motorized bicycle, or motorboat. However, for injuries occurring while performing these on a road using an automobile or motorized bicycle, Compensation, etc., shall be paid even if they are not included in the organized tour itinerary.
  3. (3) Injuries occurring while the traveler is piloting an aircraft other than one operated by an air carrier on a fixed route (regardless of whether it is a scheduled or non-scheduled flight).

(Cases Where Compensation, etc., is Not Paid – Part 4)
Article 5-2: Our company may not pay Compensation, etc., if the traveler or the person who is to receive the death compensation falls under any of the following items. However, if that person is the recipient of a portion of the death compensation, this does not apply to the amount to be received by other persons.

  1. (1) Being recognized as a crime syndicate, a member of a crime syndicate, a quasi-member of a crime syndicate, a crime syndicate-related company, or other anti-social forces (hereinafter referred to as “Anti-Social Forces”).
  2. (2) Being recognized as being involved in providing funds, etc., or providing convenience to Anti-Social Forces.
  3. (3) Being recognized as unjustly utilizing Anti-Social Forces.
  4. (4) Being recognized as having a socially condemnable relationship with Anti-Social Forces.

Chapter 3: Types and Payment Amounts of Compensation, etc.

(Payment of Death Compensation)
Article 6: If a traveler suffers an injury as described in Article 1 and dies within 180 days from the date of the accident as a direct result thereof, our company shall pay 25 million yen per traveler for organized tours for overseas travel, and 15 million yen per traveler for organized tours for domestic travel (hereinafter referred to as the “Compensation Amount”) as death compensation to the traveler’s legal heirs. However, if there is residual disability compensation already paid for said traveler, the remaining amount after deducting the already paid amount from the Compensation Amount shall be paid.
(Payment of Residual Disability Compensation)
Article 7: If a traveler suffers an injury as described in Article 1 and a residual disability (referring to a serious functional disorder that cannot be recovered in the future or the loss of a part of the body remaining after the injury that caused it has healed; the same applies hereinafter) occurs within 180 days from the date of the accident as a direct result thereof, our company shall pay the traveler an amount calculated by multiplying the Compensation Amount by the ratio listed in each item of Appended Table 2 as residual disability compensation per traveler.
2. Notwithstanding the provisions of the preceding paragraph, if the traveler is still in a state requiring treatment after 180 days from the date of the accident, our company shall certify the degree of residual disability based on a doctor’s diagnosis on the 181st day from the date of the accident and pay residual disability compensation.
3. For residual disabilities not listed in the items of Appended Table 2, the amount of residual disability compensation to be paid shall be determined according to the degree of physical disability and in accordance with the classifications in the items of Appended Table 2, regardless of the traveler’s occupation, age, social status, etc. However, residual disability compensation shall not be paid for disabilities that do not reach the functional disorders listed in Appended Table 2, 1(3), 1(4), 2(3), 4(4), and 5(2).
4. If two or more types of residual disabilities occur due to the same accident, our company shall apply the preceding three paragraphs to each and pay the total amount. However, for residual disabilities of the upper limbs (arms and hands) or lower limbs (legs and feet) specified in 7, 8, and 9 of Appended Table 2, the residual disability compensation for each limb shall be limited to 60% of the Compensation Amount.
5. The amount of residual disability compensation to be paid by our company based on the preceding paragraphs shall be limited to the Compensation Amount per traveler per organized tour.
(Payment of Hospitalization Solatium)
Article 8: If a traveler suffers an injury as described in Article 1 and, as a direct result thereof, becomes unable to engage in normal business or lead a normal life and is hospitalized (referring to entering a hospital or clinic and concentrating on treatment under the constant supervision of a doctor because treatment at home, etc., is difficult when treatment by a doctor is necessary; the same applies hereinafter in this Article), our company shall pay the traveler hospitalization solatium for the number of days (hereinafter referred to as “Hospitalization Days”) according to the following classifications:
(1) In the case of an organized tour for the purpose of overseas travel:

  1. a. When an injury requiring 180 days or more of hospitalization is suffered: 400,000 yen
  2. b. When an injury requiring 90 days or more but less than 180 days of hospitalization is suffered: 200,000 yen
  3. c. When an injury requiring 7 days or more but less than 90 days of hospitalization is suffered: 100,000 yen
  4. d. When an injury requiring less than 7 days of hospitalization is suffered: 40,000 yen

(2) In the case of an organized tour for the purpose of domestic travel:

  1. a. When an injury requiring 180 days or more of hospitalization is suffered: 200,000 yen
  2. b. When an injury requiring 90 days or more but less than 180 days of hospitalization is suffered: 100,000 yen
  3. c. When an injury requiring 7 days or more but less than 90 days of hospitalization is suffered: 50,000 yen
  4. d. When an injury requiring less than 7 days of hospitalization is suffered: 20,000 yen

2. Even if the traveler is not hospitalized, if they fall under any of the items in Appended Table 3 and receive treatment from a doctor, the period in that state shall be regarded as Hospitalization Days for the purpose of applying the provisions of the preceding paragraph.
3. If our company should pay both hospitalization solatium and death compensation, or hospitalization solatium and residual disability compensation for one traveler, the total amount shall be paid.
(Payment of Outpatient Solatium)
Article 9: If a traveler suffers an injury as described in Article 1 and, as a direct result thereof, experiences hindrance in engaging in normal business or leading a normal life and receives outpatient treatment (referring to going to a hospital or clinic to receive treatment from a doctor when treatment by a doctor is necessary (including house calls); the same applies hereinafter in this Article), and the number of days (hereinafter referred to as “Outpatient Days”) becomes 3 days or more, our company shall pay the traveler outpatient solatium for said days according to the following classifications:
(1) In the case of an organized tour for the purpose of overseas travel:

  1. a. When an injury requiring 90 days or more of outpatient treatment is suffered: 100,000 yen
  2. b. When an injury requiring 7 days or more but less than 90 days of outpatient treatment is suffered: 50,000 yen
  3. c. When an injury requiring 3 days or more but less than 7 days of outpatient treatment is suffered: 20,000 yen

(2) In the case of an organized tour for the purpose of domestic travel:

  1. a. When an injury requiring 90 days or more of outpatient treatment is suffered: 50,000 yen
  2. b. When an injury requiring 7 days or more but less than 90 days of outpatient treatment is suffered: 25,000 yen
  3. c. When an injury requiring 3 days or more but less than 7 days of outpatient treatment is suffered: 10,000 yen

2. Even if the traveler does not receive outpatient treatment, if our company recognizes that significant hindrance has occurred in engaging in normal business or leading a normal life as a result of constantly wearing a cast, etc., by a doctor’s instruction to fix the part where an injury such as a fracture was suffered, the period in that state shall be regarded as Outpatient Days for the purpose of applying the provisions of the preceding paragraph.
3. Our company shall not pay outpatient solatium for outpatient treatment after the injury has healed to the extent that there is no hindrance to engaging in normal business or leading a normal life.
4. In no case shall our company pay outpatient solatium for outpatient treatment after 180 days have passed from the date of the accident.
5. If our company should pay both outpatient solatium and death compensation, or outpatient solatium and residual disability compensation for one traveler, the total amount shall be paid.
(Special Provisions for Payment of Hospitalization Solatium and Outpatient Solatium)
Article 10: If the number of Hospitalization Days and Outpatient Days for one traveler is each 1 day or more, notwithstanding the provisions of the preceding two articles, our company shall pay only the larger of the solatiums listed in the following items (in the case of the same amount, the one listed in Item 1).

  1. (1) The hospitalization solatium that our company should pay for said Hospitalization Days.
  2. (2) The outpatient solatium that our company should pay for the number of days obtained by regarding the sum of said Outpatient Days (excluding those during the period for which our company should pay hospitalization solatium) and said Hospitalization Days as Outpatient Days.

(Presumption of Death)
Article 11: If a traveler is not found even after 30 days have passed since the aircraft or vessel on which the traveler was on board went missing or met with a disaster, the traveler shall be presumed to have died from the injury described in Article 1 on the day the aircraft or vessel went missing or met with the disaster.
(Influence of Other Physical Disabilities or Illnesses)
Article 12: If an injury described in Article 1 becomes serious due to the influence of a physical disability or illness that already existed when the traveler suffered the injury, or due to the influence of an injury or illness that occurred after suffering the injury described in Article 1 independently of the accident that caused it, our company shall determine and pay an amount equivalent to what would have been paid if there had been no such influence.

Chapter 4: Occurrence of Accident and Procedures for Claiming Compensation, etc.

(Request for Explanation Regarding Degree of Injury, etc.)
Article 13: When a traveler suffers an injury described in Article 1, our company may request the traveler or the person who is to receive the death compensation to provide an explanation regarding the degree of the injury, an outline of the accident that caused it, etc., or may request a medical examination of the traveler’s body or a post-mortem examination of the corpse. In this case, the traveler or the person who is to receive the death compensation must cooperate with these requests.
2. When a traveler or the person who is to receive the death compensation suffers an injury described in Article 1 due to reasons not known to our company, they must report the degree of the injury, an outline of the accident that caused it, etc., to our company within 30 days from the date of said accident.
3. If the traveler or the person who is to receive the death compensation violates the provisions of the preceding two paragraphs without a justifiable reason recognized by our company, or fails to state known facts or states false facts in the explanation or report, our company shall not pay Compensation, etc.
(Claim for Compensation, etc.)
Article 14: When a traveler or the person who is to receive the death compensation wishes to receive payment of Compensation, etc., they must submit to our company a claim form for Compensation, etc., prescribed by our company and the following documents:
(1) In the case of a claim for death compensation:

  1. a. A certified copy of the traveler’s family register, and a certified copy of the legal heir’s family register and a certificate of seal impression.
  2. b. An accident certificate from a public institution (or a third party in unavoidable circumstances).
  3. c. The traveler’s death certificate or post-mortem examination report.

(2) In the case of a claim for residual disability compensation:

  1. a. The traveler’s certificate of seal impression.
  2. b. An accident certificate from a public institution (or a third party in unavoidable circumstances).
  3. c. A doctor’s diagnosis certifying the degree of residual disability.

(3) In the case of a claim for hospitalization solatium:

  1. a. An accident certificate from a public institution (or a third party in unavoidable circumstances).
  2. b. A doctor’s diagnosis certifying the degree of injury.
  3. c. Proof documents from a hospital or clinic stating the number of Hospitalization Days or Outpatient Days.

(4) In the case of a claim for outpatient solatium:

  1. a. An accident certificate from a public institution (or a third party in unavoidable circumstances).
  2. b. A doctor’s diagnosis certifying the degree of injury.
  3. c. Proof documents from a hospital or clinic stating the number of Hospitalization Days or Outpatient Days.

2. Our company may request the submission of documents other than those in the preceding paragraph, or may allow the omission of some of the submitted documents in the preceding paragraph.

3. If the traveler or the person who is to receive the death compensation violates the provisions of Paragraph 1, or fails to state known facts or states false facts regarding the submitted documents, our company shall not pay Compensation, etc.
(Subrogation)
Article 15: Even if our company has paid Compensation, etc., the right to claim damages that the traveler or their heirs have against a third party regarding the injury suffered by the traveler shall not be transferred to our company.

Chapter 5: Compensation for Damage to Personal Effects

(Our Liability for Payment)
Article 16: If a traveler participating in an organized tour operated by our company suffers damage to their personal effects (hereinafter referred to as “Compensable Items”) due to an accidental accident occurring while participating in said organized tour, our company shall pay compensation for damage to personal effects (hereinafter referred to as “Damage Compensation”) in accordance with the provisions of this Chapter.
(Cases Where Damage Compensation is Not Paid – Part 1)
Article 17: Our company shall not pay Damage Compensation for damage caused by the reasons listed in the following items:

  1. (1) Intentional act of the traveler. However, this does not apply to damage suffered by persons other than said traveler.
  2. (2) Intentional act of a relative living in the same household as the traveler. However, this does not apply if the purpose was not to have the traveler receive Damage Compensation.
  3. (3) Suicidal, criminal, or combative acts of the traveler. However, this does not apply to damage suffered by persons other than said traveler.
  4. (4) Accidents occurring while the traveler is driving an automobile or a motorized bicycle without the driving qualifications required by law, or in a state where normal driving may be impossible due to being under the influence of alcohol. However, this does not apply to damage suffered by persons other than said traveler.
  5. (5) Accidents occurring while the traveler is intentionally performing an act in violation of laws and regulations, or receiving services that violate laws and regulations. However, this does not apply to damage suffered by persons other than said traveler.
  6. (6) Exercise of public power by the state or public organizations, such as seizure, requisition, confiscation, or destruction. However, this excludes cases where it was done as a necessary measure for fire fighting or evacuation.
  7. (7) Defects in the Compensable Items. However, this excludes defects that the traveler or the person managing the Compensable Items on their behalf could not have discovered even with reasonable care.
  8. (8) Natural wear and tear, rust, mold, discoloration, damage by rats or insects, etc., of the Compensable Items.
  9. (9) Damage that is merely external and does not hinder the function of the Compensable Items.
  10. (10) Leakage of liquid that is a Compensable Item. However, this does not apply to damage caused to other Compensable Items as a result thereof.
  11. (11) Leaving behind or loss of Compensable Items.
  12. (12) Reasons listed in Article 3, Paragraph 1, Items 9 through 12.

2. In the case of an organized tour for the purpose of domestic travel, our company shall not pay Damage Compensation for damage caused by the reasons listed in the following items, in addition to the provisions of the preceding paragraph.

  1. (1) Earthquakes, volcanic eruptions, or tsunamis.
  2. (2) Accidents occurring in conjunction with the reasons in the preceding item, or accidents occurring based on the disorder of order accompanying them.

(Cases Where Damage Compensation is Not Paid – Part 2)
Article 17-2: Our company may not pay Damage Compensation if the traveler falls under any of the following items:

  1. (1) Being recognized as falling under Anti-Social Forces.
  2. (2) Being recognized as being involved in providing funds, etc., or providing convenience to Anti-Social Forces.
  3. (3) Being recognized as unjustly utilizing Anti-Social Forces.
  4. (4) In the case of a corporation, Anti-Social Forces are recognized as controlling the corporation or being substantially involved in its management.
  5. (5) Being recognized as having a socially condemnable relationship with Anti-Social Forces.

(Compensable Items and Their Scope)
Article 18: Compensable Items are limited to personal effects owned by the traveler and carried by them while participating in the organized tour.
2. Notwithstanding the provisions of the preceding paragraph, the items listed in the following items are not included in Compensable Items:

  1. (1) Cash, checks, other securities, revenue stamps, postage stamps, and other similar items.
  2. (2) Credit cards, coupons, air tickets, passports, and other similar items.
  3. (3) Manuscripts, blueprints, designs, account books, and other similar items (including those recorded on recording media that can be directly processed by information equipment such as magnetic tapes, magnetic disks, CD-ROMs, optical disks, etc. (computers and their peripheral devices such as terminal devices)).
  4. (4) Vessels (including yachts, motorboats, and boats), automobiles, motorized bicycles, and their accessories.
  5. (5) Mountain climbing equipment, exploration equipment, and other similar items.
  6. (6) Dentures, artificial limbs, contact lenses, and other similar items.
  7. (7) Animals and plants.
  8. (8) Other items designated in advance by our company.

(Amount of Damage and Payment Amount of Damage Compensation)
Article 19: The amount of damage for which our company should pay Damage Compensation (hereinafter referred to as the “Damage Amount”) shall be determined based on the lower of the value of the Compensable Item at the place and time the damage occurred, or the sum of the repair costs necessary to restore the Compensable Item to its state immediately before the damage occurred and the costs in Paragraph 3 of the following Article.
2. If the Damage Amount for one item or one pair of Compensable Items exceeds 100,000 yen, our company shall apply the provisions of the preceding paragraph by regarding the Damage Amount for that item as 100,000 yen.
3. The amount of Damage Compensation to be paid by our company shall be limited to 150,000 yen per traveler per organized tour. However, if the Damage Amount does not exceed 3,000 yen per traveler per accident, our company shall not pay Damage Compensation.
(Prevention of Damage, etc.)
Article 20: When a traveler becomes aware that damage specified in Article 16 has occurred to a Compensable Item, they must fulfill the following matters:

  1. (1) Endeavor to prevent and mitigate damage.
  2. (2) Notify our company without delay of the degree of damage, an outline of the accident that caused it, and the existence of any insurance contracts regarding the Compensable Item for which the traveler suffered damage.
  3. (3) If the traveler can receive compensation for damage from another person, take the necessary procedures for the exercise of that right.

2. If the traveler violates Item 1 of the preceding paragraph without a justifiable reason, our company shall regard the remaining amount after deducting the amount recognized as preventable or mitigatable as the Damage Amount. If the traveler violates Item 2 of the same paragraph, our company shall not pay Damage Compensation. If the traveler violates Item 3 of the same paragraph, our company shall regard the remaining amount after deducting the amount recognized as obtainable by exercising the right to be acquired as the Damage Amount.
3. Our company shall pay the following costs:

  1. (1) Costs required for the prevention and mitigation of damage specified in Paragraph 1, Item 1, which our company recognizes as necessary or beneficial.
  2. (2) Costs necessary for the procedures specified in Paragraph 1, Item 3.

(Claim for Damage Compensation)
Article 21: When a traveler wishes to receive payment of Damage Compensation, they must submit to our company a claim form for Damage Compensation prescribed by our company and the following documents:

  1. (1) An accident certificate from a police station or a third party that should replace it.
  2. (2) Documents certifying the degree of damage to the Compensable Item.
  3. (3) Other documents requested by our company.

2. If the traveler violates the provisions of the preceding paragraph, or intentionally displays false facts regarding the submitted documents, or forges or alters those documents (the same applies when a third party is made to do so), our company shall not pay Damage Compensation.
(In Case of Insurance Contracts)
Article 22: If there is an insurance contract that should pay insurance money for the damage in Article 16, our company may reduce the amount of Damage Compensation to be paid by our company.
(Subrogation)
Article 23: If a traveler has a right to claim damages against a third party for damage for which our company should pay Damage Compensation, that right to claim damages shall be transferred to our company within the limit of the amount of Damage Compensation paid by our company to the traveler.

Appended Table 1 (Related to Article 5, Item 1)

Mountain climbing (using climbing equipment such as ice axes, crampons, ropes, hammers, etc.), luge, bobsleigh, skydiving, hang gliding, ultra-light power machine (motor hang glider, microlight aircraft, ultra-light aircraft, etc.) boarding, gyrocopter boarding, and other similar dangerous exercises.

Appended Table 2 (Related to Article 7, Paragraphs 1, 3, and 4)

1. Eye Disorders
(1) When both eyes are blinded. 100%
(2) When one eye is blinded. 60%
(3) When the corrected visual acuity of one eye becomes 0.6 or less. 5%
(4) When visual field constriction occurs in one eye (referring to a case where the total angle of the normal visual field becomes 60% or less). 5%
2. Ear Disorders
(1) When hearing in both ears is completely lost. 80%
(2) When hearing in one ear is completely lost. 30%
(3) When normal speech cannot be understood at a distance of 50 cm or more in one ear. 5%
3. Nose Disorders
When a significant disorder remains in the function of the nose. 20%
4. Mastication and Speech Disorders
(1) When the function of mastication or speech is completely lost. 100%
(2) When a significant disorder remains in the function of mastication or speech. 35%
(3) When a disorder remains in the function of mastication or speech. 15%
(4) When 5 or more teeth are lost. 5%
5. Disfigurement of Appearance (referring to face, head, and neck)
(1) When a significant disfigurement remains in the appearance. 15%
(2) When a disfigurement remains in the appearance (referring to a scar with a diameter of 2 cm or a linear scar with a length of 3 cm on the face). 3%
6. Spinal Disorders
(1) When a significant deformity or significant movement disorder remains in the spine. 40%
(2) When a movement disorder remains in the spine. 30%
(3) When a deformity remains in the spine. 15%
7. Disorders of Arms (referring to wrist joint and above) and Legs (referring to ankle joint and above)
(1) When one arm or one leg is lost. 60%
(2) When the functions of two or three of the three major joints of one arm or one leg are completely lost. 50%
(3) When the function of one of the three major joints of one arm or one leg is completely lost. 35%
(4) When a disorder remains in the function of one arm or one leg. 5%
8. Finger Disorders
(1) When the thumb of one hand is lost at or above the finger joint (interphalangeal joint). 20%
(2) When a significant disorder remains in the function of the thumb of one hand. 15%
(3) When a finger other than the thumb is lost at or above the second finger joint (distal interphalangeal joint). 8%
(4) When a significant disorder remains in the function of a finger other than the thumb. 5%
9. Toe Disorders
(1) When the first toe of one foot is lost at or above the toe joint (interphalangeal joint). 10%
(2) When a significant disorder remains in the function of the first toe of one foot. 8%
(3) When a toe other than the first toe is lost at or above the second toe joint (distal interphalangeal joint). 5%
(4) When a significant disorder remains in the function of a toe other than the first toe. 3%
10. When unable to take care of oneself for life due to other significant physical disorders. 100%

Note

In the provisions of Items 7, 8, and 9, “and above” refers to the part closer to the heart than the joint in question.

Appended Table 3 (Related to Article 8, Paragraph 2)

  1. 1. The corrected visual acuity of both eyes is 0.06 or less.
  2. 2. The function of mastication or speech is lost.
  3. 3. Hearing in both ears is lost.
  4. 4. The functions of all joints at or above the wrist joints of both upper limbs are lost.
  5. 5. The function of one lower limb is lost.
  6. 6. Due to disorders of the thoracic and abdominal organs, physical freedom is mainly limited to daily activities such as eating and washing the face.
  7. 7. Due to disorders of the nervous system or spirit, physical freedom is mainly limited to daily activities such as eating and washing the face.
  8. 8. Due to combined disorders of the above parts, etc., physical freedom is mainly limited to daily activities such as eating and washing the face.
  9. (Note) In the provision of Item 4, “and above” refers to the part closer to the heart than the joint in question.