Short-Term Programs

Insurance

Mandatory Insurance: Invoiced by AIU

In accordance with immigration law, AIU requires all international students to purchase Japanese National Health Insurance (NHI) without any exceptions. Because that covers 70% of all medical expenses only and does NOT cover the period of students' traveling from home country to AIU, rescue expenses, and repatriation, it is neither life insurance nor overseas travel insurance. You will have to pay 30% of the expenses if/when you receive medical care at a hospital or clinic anywhere in Japan.

AIU also requires all international students to purchase “Personal Accident Insurance for Students Education and Research (SPER),” which provides students with coverage for physical injury as a result of accidents while engaged in activities pertaining to education or research at a university.

AIU will pay students' insurance bills for both National Health Insurance and Personal Accident Insurance for Students Education and Research (SPER).

Validity Period

Both mandatory insurances only cover students during the period of enrollment at AIU.

Start of Validity and Insurance Card Receipt

AIU will enroll you in National Health Insurance during orientation and your insurance will be effective immediately at that time.
However, please note that it will take approximately 3 weeks before your insurance card is issued. If you visit a hospital before your National Health Insurance card is issued, you will have to pay the full cost of treatment and medication up front. Once you receive your National Health Insurance card, you can take that card and your receipt back to the hospital to receive a 70% refund on your charges.

Termination of Validity

After students complete their program at AIU, they must depart the country or change their residence status within 14 days. Both mandatory insurances become invalid immediately upon changing residence status, so students who stay in Japan for tourism will not be covered.

Mandatory Insurance: Self-Purchased

In addition to the above two insurances, you are required to purchase overseas travel insurance before departing your home country because the above two insurances are minimum coverage. The overseas travel insurance should be a comprehensive package which covers: Accident Death, Accident Disability, Death from Illness, Medical & Rescuer’s Expenses, Dental Treatment, Long Term Personal Liability, Household Goods and Personal Belongings, Tuition, Room & Board Expenses, Emergency Travel Expenses, etc.

Should you become seriously ill or injured while in Japan (or be involved in causing property damage or personal injury, for which you will be required to financially compensate the other party), having private overseas travel insurance will protect you.

The information below is a typical overseas travel insurance package that Japanese students carry when studying abroad. We believe that this sort of package is the kind that will be best suited to your needs.

Insurance Package

Coverage and amount of insurance Amount in JPY Amount in USD (Estimate*)
Accidental Death 10,000,000 JPY 80,515 USD
Accidental Disability 30,000,000 JPY 241,548 USD
Death from Illness 10,000,000 JPY 80,515 USD
Medical & Rescuer’s Expenses 100,000,000 JPY 805,159 USD
Dental Treatment 100,000 JPY 805 USD
Long Term Personal Liability 50,000,000 JPY 402,580 USD
Household Goods and Personal Belongings 600,000 JPY 4,830 USD
Tuition, Room & Board Expenses 2,000,000 JPY 16,103 USD
Emergency Travel Expenses 350,000 JPY 2,818 USD

*1 USD = 124. 20 JPY at TTS rate as of July, 2015.

Center for International Affairs
Akita International University Yuwa, Akita-City 010-1292 Japan
Tel. +81-(0)18-886-5936, +81-(0)18-886-5937
Fax. +81-(0)18-886-5853
Inbound Students : international@aiu.ac.jp
Outbound Students : studyabroad@aiu.ac.jp
Office Hours (Mon - Fri) 9:00 - 12:00 and 13:00 - 17:00